Best Personal Loan Rates in Memphis, Tennessee (TN) - April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Memphis, Tennessee include: Firefighters First Federal Credit UnionFirefighters First Federal Credit Union5150 Stage Rd Ste 102, Memphis, TN, 38134 3169A+5.0 ★Texas Ratio: 1.58% offering Fire Station Loan at 4.99% APR, FedEx Employees Credit Association Federal Credit UnionFedEx Employees Credit Association Federal Credit Union3670 Hacks Cross Rd, Memphis, TN, 38125A5.0 ★Texas Ratio: 6.11% offering Land Loans at 7.25% APR, Hope Federal Credit Union Jackson, MSHope Federal Credit Union Jackson, MS1451 Madison Ave, Memphis, TN, 38104A+5.0 ★Texas Ratio: 0.03% offering Unsecured / Signature at 7.50% APR, LG&W Federal Credit UnionLG&W Federal Credit Union1616 Whitten Rd, Memphis, TN, 38134A+5.0 ★Texas Ratio: 0.44% offering Land Loans at 8.00% APR, and Kennedy VA Employees Federal Credit UnionKennedy VA Employees Federal Credit Union1030 Jefferson Ave, Memphis, TN, 38104A+5.0 ★Texas Ratio: 1.25% offering Personal Loans at 9.49% APR. Personal loan rates as of April 19, 2026 according to verified data from MonitorBankRates.
Memphis has 14 local institutions in our database, with personal loan rates as low as 4.99% APR from Firefighters First Federal Credit Union at 5150 Stage Rd Ste 102, Memphis, TN, 38134 3169. Use the tabs below to compare all available personal loan types. Rates are continually updated — we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in Memphis, Tennessee.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Memphis, Tennessee. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: April 19, 2026
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minimum $7,500 - maximum $35,000
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As Low As; APR is for a 36-month term with a minimum of $500.00 borrowed and a maximum of $10,000.00. Other rates, terms, and amounts are available based on credit and other factors. No down payment is required. New money only. Eligibility required.
As Low As; APR= Annual Percentage Rate. 11.99% APR is for a 36-month term with a minimum of $500.00 and a maximum of $10,000.00 borrowed. Other rates, terms, and amounts are available based on credit and other factors. No down payment is required. Estimated monthly payment of $33.21 per $1,000.00 borrowed at 11.99% APR for 36 months. $35.00 minimum payment. New money only. NCUA insured.
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Managed Credit Program: The Annual Percentage Rate(APR) will be determined by your credit worthiness.; Any existing balance on a previous loan on the date of a new advance will be added to the new advance and the entire amount will be at the new APR.
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As Low As; Regular APR: 10.090%
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over $250,000; As Low As; 5 year adjustable - 30 year term, due in 15 years
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up to $250,000; As Low As; 10 year fixed
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As Low As; The rate show is the lowest available rate. Your rate may be higher depending on your credit score.
As Low As; The rate show is the lowest available rate. Your rate may be higher depending on your credit score.
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As Low As; Including Debt Consolidation
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As Low As; $26,000 Maximum
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Up to $5,000
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auto payments transfer
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As Low As; Rates as low as 9.95%
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As Low As; MAX. limit <2000$ Terms @ 12months
Annual Percentage Rates includes loan processing fee of $30.00. The annual percentage rate listed are our best rates, which include Auto Payment Discount, and /or Military Discount, or College Graduate Discount. See Member Rewards for details. Your rate may be higher depending on your credit score. Approval is not based on credit score. Loan amount up to 100%. All rates and terms are subject to change without notice.
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From 6 months up to 48 months; Rate is based on credit performance, loan term, and PFCU discounts.
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As Low As; MAX. limit @ $2001 to $5000 Terms @ 36months
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From 6 months up to 48 months; Rate is based on credit performance, loan term, and PFCU discounts.
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Managed Credit Program: The Annual Percentage Rate(APR) will be determined by your credit worthiness.; Any existing balance on a previous loan on the date of a new advance will be added to the new advance and the entire amount will be at the new APR.
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As Low As; Rates as low as 9.95%
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minimum $7,500 - maximum $35,000
As Low As; $26,000 Maximum
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As Low As; Rates as low as 9.95%
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As Low As; APR= Annual Percentage Rate. 11.99% APR is for a 36-month term with a minimum of $500.00 and a maximum of $10,000.00 borrowed. Other rates, terms, and amounts are available based on credit and other factors. No down payment is required. Estimated monthly payment of $33.21 per $1,000.00 borrowed at 11.99% APR for 36 months. $35.00 minimum payment. New money only. NCUA insured.
As Low As; APR is for a 36-month term with a minimum of $500.00 borrowed and a maximum of $10,000.00. Other rates, terms, and amounts are available based on credit and other factors. No down payment is required. New money only. Eligibility required.
Managed Credit Program: The Annual Percentage Rate(APR) will be determined by your credit worthiness.; Any existing balance on a previous loan on the date of a new advance will be added to the new advance and the entire amount will be at the new APR.
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As Low As; The rate show is the lowest available rate. Your rate may be higher depending on your credit score.
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As Low As; Including Debt Consolidation
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Up to $5,000
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Annual Percentage Rates includes loan processing fee of $30.00. The annual percentage rate listed are our best rates, which include Auto Payment Discount, and /or Military Discount, or College Graduate Discount. See Member Rewards for details. Your rate may be higher depending on your credit score. Approval is not based on credit score. Loan amount up to 100%. All rates and terms are subject to change without notice.
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From 6 months up to 48 months; Rate is based on credit performance, loan term, and PFCU discounts.
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UP TO $5000
From 6 months up to 48 months; Rate is based on credit performance, loan term, and PFCU discounts.
Memphis, TN Personal Loan Rate Trends
Compare local Memphis, TN personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Tennessee personal loan rates fell 0.291 points over the past 7 days to 9.859% APR.
Tennessee signature loan rates fell 0.365 points over the past 7 days to 10.910% APR.
Frequently Asked Questions
What credit score do I need for a personal loan in Tennessee?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Tennessee?
Are credit unions or banks better for personal loans in Memphis, Tennessee?
What are the best personal loan rates in Memphis, Tennessee?
- Firefighters First Federal Credit Union: 4.99% (Fire Station Loan)
- FedEx Employees Credit Association Federal Credit Union: 7.25% (Land Loans)
- Hope Federal Credit Union Jackson, MS: 7.50% (Unsecured / Signature)
- LG&W Federal Credit Union: 8.00% (Land Loans)
- Kennedy VA Employees Federal Credit Union: 9.49% (Personal Loans)
Personal Loan Calculators
