Best Personal Loan Rates in Mississippi (MS) - March 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to Mississippi borrowers. Note that your final approved personal loan rate will depend on your specific credit profile, loan amount, and loan term.
Current personal loan options available to borrowers in Mississippi include: Baxter Credit UnionBaxter Credit Union911 N Davis Ave, Cleveland, MS, 38732 2106A5.0 ★Texas Ratio: 7.73% offering Credit Builder Loan at 4.50% APR, Mississippi National Guard Federal Credit UnionMississippi National Guard Federal Credit Union142 Military Dr, Jackson, MS, 39232 8861C4.0 ★Texas Ratio: 26.90% offering New/Used Equipment (Max Loan at 4.99% APR, Gulf Coast Community Federal Credit UnionGulf Coast Community Federal Credit Union12364 Highway 49, Gulfport, MS, 39503A5.0 ★Texas Ratio: 6.15% offering Collateralized Personal Loan at 5.00% APR, Rivertrust Federal Credit UnionRivertrust Federal Credit Union409 Riverwind Dr, Pearl, MS, 39208 5917A+5.0 ★Texas Ratio: 1.43% offering New and Used Tractor Loans at 5.25% APR, and Memorial Federal Credit UnionMemorial Federal Credit Union4305 14th St, GULFPORT, MS, 39501A+5.0 ★Texas Ratio: 0.26% offering Loan Specials at 5.75% APR.
Whether you need to consolidate high-interest debt, fund a home improvement project, or cover an unexpected expense, comparing personal loan rates across top-rated lenders in Mississippi can save you significantly over the life of your loan.
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 Mississippi.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Mississippi. 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: March 21, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
911 N Davis Ave, Cleveland, MS, 38732 2106
Credit Builder Loan
4.50%
▼
APR4.50%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
911 N Davis Ave, Cleveland, MS, 38732 2106
Refinance Loan
4.64%
▼
APR4.64%
Last UpdatedMarch 21, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
911 N Davis Ave, Cleveland, MS, 38732 2106
Medical Degree Refinance Loan
4.80%
▼
APR4.80%
Last UpdatedMarch 21, 2026
Details
As Low As
Mississippi National Guard Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.90%
142 Military Dr, Jackson, MS, 39232 8861
New/Used Equipment (Max Loan
4.99%
▼
APR4.99%
Last UpdatedMarch 21, 2026
Details
$50,000
Gulf Coast Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.15%
12364 Highway 49, Gulfport, MS, 39503
Collateralized Personal Loan
5.00%
▼
APR5.00%
Last UpdatedMarch 21, 2026
Details
Amount financed based on collateral and NADA loan value. Terms based on 12 months per $1,000 borrowed. Example: Monthly payments are approximately $43.10 per $1,000 borrowed for 24 months at 5.00% APR.
Rivertrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
409 Riverwind Dr, Pearl, MS, 39208 5917
New and Used Tractor Loans
5.25%
▼
APR5.25%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Memorial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
4305 14th St, GULFPORT, MS, 39501
Loan Specials
5.75%
▼
APR5.75%
Last UpdatedMarch 21, 2026
Details
As Low As
Mississippi National Guard Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.90%
142 Military Dr, Jackson, MS, 39232 8861
Collateral Loans
5.99%
▼
APR5.99%
Last UpdatedMarch 21, 2026
Details
buy GAP 4.99%
Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.34%
1360 Sunset Dr Ste 6, Grenada, MS, 38901 2854
Construction Loan
6.00%
▼
APR6.00%
Last UpdatedMarch 21, 2026
Details
Sample mortgage payment for a $200,000 loan with a 6.00% APR for 15 years would have a payment of $1,688.31 per month. Taxes and insurance not included, your actual payment obligation may be higher.
1st Mississippi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
600 19th Ave, Meridian, MS, 39301
Other Collateral Loans
6.25%
▼
APR6.25%
Last UpdatedMarch 21, 2026
Details
No additional details available.
1st Mississippi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
600 19th Ave, Meridian, MS, 39301
Tractor Loan
6.25%
▼
APR6.25%
Last UpdatedMarch 21, 2026
Details
No additional details available.
1st Mississippi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
600 19th Ave, Meridian, MS, 39301
Tractor Loans
6.25%
▼
APR6.25%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Singing River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
6006 HIGHWAY 63, MOSS POINT, MS, 39563
Construction Loan
6.50%
▼
APR6.50%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Mississippi Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
613 S West St, Jackson, MS, 39201 5506
Signature Loan
6.50%
▼
APR6.50%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
1808 S Fulton Dr, Corinth, MS, 38834 9043
Credit Builder Plus Loan
6.75%
▼
APR6.75%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
911 N Davis Ave, Cleveland, MS, 38732 2106
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedMarch 21, 2026
Details
As Low As
Mississippi National Guard Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.90%
142 Military Dr, Jackson, MS, 39232 8861
Collateral Loans
6.99%
▼
APR6.99%
Last UpdatedMarch 21, 2026
Details
buy GAP 5.99%
Vickswood Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
107 Thalweg Dr, Vicksburg, MS, 39183
Signature Loans
7.00%
▼
APR7.00%
Last UpdatedMarch 21, 2026
Details
As Low As
Memorial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
4305 14th St, GULFPORT, MS, 39501
Used Miscellaneous Loan
7.10%
▼
APR7.10%
Last UpdatedMarch 21, 2026
Details
As Low As
Memorial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
4305 14th St, GULFPORT, MS, 39501
New Miscellaneous Loans
7.10%
▼
APR7.10%
Last UpdatedMarch 21, 2026
Details
As Low As
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
4 Old River Pl, Jackson, MS, 39202 3431
Signature Loans
7.17%
▼
APR7.17%
Last UpdatedMarch 21, 2026
Details
As Low As
1st Mississippi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
600 19th Ave, Meridian, MS, 39301
Other Collateral Loans
7.25%
▼
APR7.25%
Last UpdatedMarch 21, 2026
Details
No additional details available.
1st Mississippi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
600 19th Ave, Meridian, MS, 39301
Tractor Loan
7.25%
▼
APR7.25%
Last UpdatedMarch 21, 2026
Details
No additional details available.
1st Mississippi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
600 19th Ave, Meridian, MS, 39301
Tractor Loans
7.25%
▼
APR7.25%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2602 Pass Rd, Biloxi, MS, 39531 2728
New Tractor Loans
7.49%
▼
APR7.49%
Last UpdatedMarch 21, 2026
Details
As Low As
Pearl Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
2420 Old Brandon Rd, Pearl, MS, 39208 4601
Personal Loan
7.50%
▼
APR7.50%
Last UpdatedMarch 21, 2026
Details
As Low As
Pearl Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
2420 Old Brandon Rd, Pearl, MS, 39208 4601
Vacation Loan
7.50%
▼
APR7.50%
Last UpdatedMarch 21, 2026
Details
As Low As
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
4 Old River Pl, Jackson, MS, 39202 3431
Unsecured / Signature
7.50%
▼
APR7.50%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Mississippi Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
613 S West St, Jackson, MS, 39201 5506
Signature Loan
7.50%
▼
APR7.50%
Last UpdatedMarch 21, 2026
Details
No additional details available.
1st Mississippi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
600 19th Ave, Meridian, MS, 39301
Other Collateral Loans
7.75%
▼
APR7.75%
Last UpdatedMarch 21, 2026
Details
No additional details available.
1st Mississippi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
600 19th Ave, Meridian, MS, 39301
Tractor Loan
7.75%
▼
APR7.75%
Last UpdatedMarch 21, 2026
Details
No additional details available.
1st Mississippi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
600 19th Ave, Meridian, MS, 39301
Tractor Loans
7.75%
▼
APR7.75%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Securtrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
3870 Goodman Rd, Southaven, MS, 38672
Signatures
7.95%
▼
APR7.95%
Last UpdatedMarch 21, 2026
Details
As Low As
Mississippi National Guard Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.90%
142 Military Dr, Jackson, MS, 39232 8861
Collateral Loans
7.99%
▼
APR7.99%
Last UpdatedMarch 21, 2026
Details
buy GAP 6.99%
Mutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
1604 Cherry St, Vicksburg, MS, 39180
Personal Signature Loan
7.99%
▼
APR7.99%
Last UpdatedMarch 21, 2026
Details
As Low As
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2602 Pass Rd, Biloxi, MS, 39531 2728
New Tractor Loans
7.99%
▼
APR7.99%
Last UpdatedMarch 21, 2026
Details
As Low As
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
84 Airways Pl, Southaven, MS, 38671
Debt Consolidation
7.99%
▼
APR7.99%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Meridian Mississippi ANG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
6225 M St Bldg 305, Meridian, MS, 39307
Vacation Loan
8.00%
▼
APR8.00%
Last UpdatedMarch 21, 2026
Details
($3000.00 Maximum)
Mississippi Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
613 S West St, Jackson, MS, 39201 5506
Signature Loan
8.00%
▼
APR8.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Triangle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
160 Simler Blvd, Columbus, MS, 39710 6802
Signature
8.00%
▼
APR8.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Mississippi National Guard Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.90%
142 Military Dr, Jackson, MS, 39232 8861
Signature Loan
8.00%
▼
APR8.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
AMPOT Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.23%
40481 Old Highway 45 S, Hamilton, MS, 39746 8301
Unsecured Loan Preferred
8.00%
▼
APR8.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
1st Mississippi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
600 19th Ave, Meridian, MS, 39301
Other Collateral Loans
8.25%
▼
APR8.25%
Last UpdatedMarch 21, 2026
Details
No additional details available.
1st Mississippi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
600 19th Ave, Meridian, MS, 39301
Tractor Loan
8.25%
▼
APR8.25%
Last UpdatedMarch 21, 2026
Details
No additional details available.
1st Mississippi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
600 19th Ave, Meridian, MS, 39301
Tractor Loans
8.25%
▼
APR8.25%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Meridian Mutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
809 26th Ave, Meridian, MS, 39301
Signature Loans
8.49%
▼
APR8.49%
Last UpdatedMarch 21, 2026
Details
As Low As
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2602 Pass Rd, Biloxi, MS, 39531 2728
New Tractor Loans
8.49%
▼
APR8.49%
Last UpdatedMarch 21, 2026
Details
As Low As
Gulf Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
2533 Denny Ave, Pascagoula, MS, 39567
Unsecured Loans
8.50%
▼
APR8.50%
Last UpdatedMarch 21, 2026
Details
As Low As
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
4 Old River Pl, Jackson, MS, 39202 3431
Borrow and Save Loans
8.50%
▼
APR8.50%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.27%
1900 E Woodrow Wilson Ave Ste 204, Jackson, MS, 39216 5118
Unsecured (Line-of-Credit)
8.75%
▼
APR8.75%
Last UpdatedMarch 21, 2026
Details
A+ Category = or > 725
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.27%
1900 E Woodrow Wilson Ave Ste 204, Jackson, MS, 39216 5118
Unsecured (Signature)
8.75%
▼
APR8.75%
Last UpdatedMarch 21, 2026
Details
A+ Category = or > 725
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.29%
1620 Goodyear Blvd Ste C, Picayune, MS, 39466 4582
Vacant Land Loans
8.75%
▼
APR8.75%
Last UpdatedMarch 21, 2026
Details
Loans up to $150,000; Not for recreational purposes; Low monthly payment; Up to 85% financing of purchase price or appraised value, whichever is less with approved credit; No pre-payment penalties; Sites in excess of 1 acre subject to additional review and/or conditions
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
138 Highway 6 W, Batesville, MS, 38606
NEW Loans
8.75%
▼
APR8.75%
Last UpdatedMarch 21, 2026
Details
$40,000 and above; As Low As
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
1506 Congress St, Laurel, MS, 39440 4239
Personal Loan
8.80%
▼
APR8.80%
Last UpdatedMarch 21, 2026
Details
As Low As; Individual - Up to 72 Months; $500 - $20,000
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
1506 Congress St, Laurel, MS, 39440 4239
Credit Builder Loan 72 Months - Joint
8.80%
▼
APR8.80%
Last UpdatedMarch 21, 2026
Details
As Low As; $40,000 Maximum
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
1506 Congress St, Laurel, MS, 39440 4239
Credit Builder Loan 72 Months - Individual
8.80%
▼
APR8.80%
Last UpdatedMarch 21, 2026
Details
As Low As; $20,000 Maximum
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
1506 Congress St, Laurel, MS, 39440 4239
Credit Builder Loan
8.80%
▼
APR8.80%
Last UpdatedMarch 21, 2026
Details
As Low As; Individual; $20,000 Maximum
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
1506 Congress St, Laurel, MS, 39440 4239
Bill Consolidation Loan
8.80%
▼
APR8.80%
Last UpdatedMarch 21, 2026
Details
As Low As; Limit: Up to $20,000; Individual
Magnolia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
240 Briarwood Dr, Jackson, MS, 39206
Unsecured Loans
8.95%
▼
APR8.95%
Last UpdatedMarch 21, 2026
Details
No additional details available.
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
84 Airways Pl, Southaven, MS, 38671
Personal Signature
8.99%
▼
APR8.99%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Mississippi National Guard Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.90%
142 Military Dr, Jackson, MS, 39232 8861
Collateral Loans
8.99%
▼
APR8.99%
Last UpdatedMarch 21, 2026
Details
buy GAP 7.99%
Memorial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
4305 14th St, GULFPORT, MS, 39501
Personal Loans
9.00%
▼
APR9.00%
Last UpdatedMarch 21, 2026
Details
As Low As
Liberty Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
2325 Livingston Rd, Jackson, MS, 39213
Freedom Fast Personal Loan
9.00%
▼
APR9.00%
Last UpdatedMarch 21, 2026
Details
As Low As; Minimum and Maximum Period for Repayment: 12 to 36 Months; Minimum and Maximum Annual Percentage Rate (APR): 9% to 18%; Associated Fees: Document Fee - $20.00 and Origination Fee - $45.00
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1340 Echelon Pkwy, Jackson, MS, 39213 8202
Personal Loan
9.24%
▼
APR9.24%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
138 Highway 6 W, Batesville, MS, 38606
Used Loans
9.25%
▼
APR9.25%
Last UpdatedMarch 21, 2026
Details
$40,000 and above; As Low As
Meridian Mississippi ANG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
6225 M St Bldg 305, Meridian, MS, 39307
Signature Loan
9.25%
▼
APR9.25%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
250 Industrial Rd, Pascagoula, MS, 39581
Consumer Loans
9.39%
▼
APR9.39%
Last UpdatedMarch 21, 2026
Details
As Low As
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
250 Industrial Rd, Pascagoula, MS, 39581
Consumer Loans
9.59%
▼
APR9.59%
Last UpdatedMarch 21, 2026
Details
As Low As
Zellco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
547 Eagle Day Ave, Columbia, MS, 39429
Unsecured
9.74%
▼
APR9.74%
Last UpdatedMarch 21, 2026
Details
As Low As
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.27%
1900 E Woodrow Wilson Ave Ste 204, Jackson, MS, 39216 5118
Unsecured (Line-of-Credit)
9.75%
▼
APR9.75%
Last UpdatedMarch 21, 2026
Details
A Category 660 - 724
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.27%
1900 E Woodrow Wilson Ave Ste 204, Jackson, MS, 39216 5118
Unsecured (Signature)
9.75%
▼
APR9.75%
Last UpdatedMarch 21, 2026
Details
A Category 660 - 724
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
250 Industrial Rd, Pascagoula, MS, 39581
Consumer Loans
9.99%
▼
APR9.99%
Last UpdatedMarch 21, 2026
Details
As Low As
Mississippi National Guard Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.90%
142 Military Dr, Jackson, MS, 39232 8861
Collateral Loans
9.99%
▼
APR9.99%
Last UpdatedMarch 21, 2026
Details
buy GAP 8.99%
Southern Coastal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
677 Dr Martin Luther King Jr Blvd, BILOXI, MS, 39530 3838
Title Loans
9.99%
▼
APR9.99%
Last UpdatedMarch 21, 2026
Details
As Low As
1st Mississippi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
600 19th Ave, Meridian, MS, 39301
Signature/Unsecured
9.99%
▼
APR9.99%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.34%
1360 Sunset Dr Ste 6, Grenada, MS, 38901 2854
Signature
9.99%
▼
APR9.99%
Last UpdatedMarch 21, 2026
Details
Conditions Vary; other conditions apply
Waters Edge Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
1976 Popps Ferry Rd, Biloxi, MS, 39532
Signature loan
9.99%
▼
APR9.99%
Last UpdatedMarch 21, 2026
Details
As Low As; up to 4 years
AMPOT Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.23%
40481 Old Highway 45 S, Hamilton, MS, 39746 8301
Unsecured Loan A
10.00%
▼
APR10.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Meridian Mississippi ANG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
6225 M St Bldg 305, Meridian, MS, 39307
Closed-End Signature Loan
10.00%
▼
APR10.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Mississippi Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
613 S West St, Jackson, MS, 39201 5506
Signature Loan
10.00%
▼
APR10.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Gulf Coast Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.15%
12364 Highway 49, Gulfport, MS, 39503
Personal Loan
10.20%
▼
APR10.20%
Last UpdatedMarch 21, 2026
Details
$50,000 Maximum Loan. Terms based on 12 mo. per $1,000 borrowed, 96 months maximum. Example: Monthly payments are approximately $88.00 per $1,000 borrowed for 12 months at 10.20%.
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1340 Echelon Pkwy, Jackson, MS, 39213 8202
Personal Loan
10.24%
▼
APR10.24%
Last UpdatedMarch 21, 2026
Details
No additional details available.
CenturyFirst Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.83%
3318 HARDY ST, HATTIESBURG, MS, 39401 6962
Signature Loans
10.25%
▼
APR10.25%
Last UpdatedMarch 21, 2026
Details
As Low As
Brightview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
713 S Pear Orchard Rd Ste 101, Ridgeland, MS, 39157 4823
Unsecured
10.50%
▼
APR10.50%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Southern Coastal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
677 Dr Martin Luther King Jr Blvd, BILOXI, MS, 39530 3838
Personal Signature Loan
10.95%
▼
APR10.95%
Last UpdatedMarch 21, 2026
Details
As Low As
Jackson Area Federal Credit Union JAFCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
7375 S Siwell Rd, Byram, MS, 39272 8741
Personal Credit
10.95%
▼
APR10.95%
Last UpdatedMarch 21, 2026
Details
As Low As
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1201 Jackson Ave, Pascagoula, MS, 39567 4353
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedMarch 21, 2026
Details
As Low As
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2602 Pass Rd, Biloxi, MS, 39531 2728
Personal Loans
10.99%
▼
APR10.99%
Last UpdatedMarch 21, 2026
Details
As Low As
Mississippi National Guard Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.90%
142 Military Dr, Jackson, MS, 39232 8861
Collateral Loans
10.99%
▼
APR10.99%
Last UpdatedMarch 21, 2026
Details
buy GAP 9.99%
Veritas Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.95%
276 Nissan Pkwy, Canton, MS, 39046
Unsecured Loan
11.00%
▼
APR11.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Mississippi DHS Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
767 N PRESIDENT ST, JACKSON, MS, 39202
Signature 0-60 Months
11.00%
▼
APR11.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1340 Echelon Pkwy, Jackson, MS, 39213 8202
Personal Loan
11.24%
▼
APR11.24%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Rivertrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
409 Riverwind Dr, Pearl, MS, 39208 5917
Signature Loans
11.25%
▼
APR11.25%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2602 Pass Rd, Biloxi, MS, 39531 2728
Signature Loans
11.49%
▼
APR11.49%
Last UpdatedMarch 21, 2026
Details
As Low As
Mississippi DHS Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
767 N PRESIDENT ST, JACKSON, MS, 39202
Signature 0-60 Months
11.50%
▼
APR11.50%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.27%
1900 E Woodrow Wilson Ave Ste 204, Jackson, MS, 39216 5118
Unsecured (Line-of-Credit)
11.75%
▼
APR11.75%
Last UpdatedMarch 21, 2026
Details
B Category 620 - 659
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.27%
1900 E Woodrow Wilson Ave Ste 204, Jackson, MS, 39216 5118
Unsecured (Signature)
11.75%
▼
APR11.75%
Last UpdatedMarch 21, 2026
Details
B Category 620 - 659
ECM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
665 Highland Colony Pkwy, Ridgeland, MS, 39157
Unsecured
12.00%
▼
APR12.00%
Last UpdatedMarch 21, 2026
Details
As Low As
AMPOT Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.23%
40481 Old Highway 45 S, Hamilton, MS, 39746 8301
Unsecured Loan B
12.00%
▼
APR12.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
1808 S Fulton Dr, Corinth, MS, 38834 9043
Signature Loans
12.24%
▼
APR12.24%
Last UpdatedMarch 21, 2026
Details
As Low As; *Rates are based on credit qualifications, including credit score, minimum amount financed and term, and includes Premier/Access Premier relationship discount of 0.25% APR.
CenturyFirst Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.83%
3318 HARDY ST, HATTIESBURG, MS, 39401 6962
Signature Loans
12.25%
▼
APR12.25%
Last UpdatedMarch 21, 2026
Details
As Low As
Ferguson Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 20.66%
1026 E Broad St, Monticello, MS, 39654
Signature Loans
12.49%
▼
APR12.49%
Last UpdatedMarch 21, 2026
Details
No additional details available.
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
3182 Tupelo Cmns, Tupelo, MS, 38804 9513
Personal Loan
12.50%
▼
APR12.50%
Last UpdatedMarch 21, 2026
Details
Variable Rate
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
102 Highway 72 W, Corinth, MS, 38834 5511
Personal Loans
12.50%
▼
APR12.50%
Last UpdatedMarch 21, 2026
Details
As Low As; months
CenturyFirst Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.83%
3318 HARDY ST, HATTIESBURG, MS, 39401 6962
Signature Loans
12.99%
▼
APR12.99%
Last UpdatedMarch 21, 2026
Details
As Low As
Delta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
2339 HIGHWAY 1 S, Greenville, MS, 38701 8337
Signature Loans
13.00%
▼
APR13.00%
Last UpdatedMarch 21, 2026
Details
Regular APR: 13.00% to 18.00%
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
3182 Tupelo Cmns, Tupelo, MS, 38804 9513
Personal Loan
13.00%
▼
APR13.00%
Last UpdatedMarch 21, 2026
Details
As Low As
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
4 Old River Pl, Jackson, MS, 39202 3431
Loan Type
13.25%
▼
APR13.25%
Last UpdatedMarch 21, 2026
Details
Maximum Amount: Credit Limits of Up to $10,000
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
138 Highway 6 W, Batesville, MS, 38606
Unsecured
13.30%
▼
APR13.30%
Last UpdatedMarch 21, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1200 Magnolia Way, Blue Springs, MS, 38828
Personal Loan
13.49%
▼
APR13.49%
Last UpdatedMarch 21, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1200 Magnolia Way, Blue Springs, MS, 38828
Personal Loans
13.49%
▼
APR13.49%
Last UpdatedMarch 21, 2026
Details
As Low As; Rates, terms, and [payment examples](https://www.unifyfcu.com/personal-loan-rates "Personal Loan Rates")
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
102 Highway 72 W, Corinth, MS, 38834 5511
Personal Lines of Credit
13.50%
▼
APR13.50%
Last UpdatedMarch 21, 2026
Details
As Low As; Revolving
Mississippi DHS Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
767 N PRESIDENT ST, JACKSON, MS, 39202
Signature 0-60 Months
13.50%
▼
APR13.50%
Last UpdatedMarch 21, 2026
Details
No additional details available.
CenturyFirst Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.83%
3318 HARDY ST, HATTIESBURG, MS, 39401 6962
Signature Loans
13.75%
▼
APR13.75%
Last UpdatedMarch 21, 2026
Details
As Low As
AMPOT Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.23%
40481 Old Highway 45 S, Hamilton, MS, 39746 8301
Unsecured Loan C
14.00%
▼
APR14.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1200 Magnolia Way, Blue Springs, MS, 38828
Debt Consolidation Loan
14.24%
▼
APR14.24%
Last UpdatedMarch 21, 2026
Details
As Low As; Rates, terms, and [payment examples](https://www.unifyfcu.com/personal-loan-rates "Personal Loan Rates")
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1200 Magnolia Way, Blue Springs, MS, 38828
Debt Consolidation Loans
14.24%
▼
APR14.24%
Last UpdatedMarch 21, 2026
Details
As Low As
Mississippi National Guard Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.90%
142 Military Dr, Jackson, MS, 39232 8861
Collateral Loans
15.99%
▼
APR15.99%
Last UpdatedMarch 21, 2026
Details
buy GAP 14.99%
Delta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
2339 HIGHWAY 1 S, Greenville, MS, 38701 8337
Vacation Loans
16.00%
▼
APR16.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
AMPOT Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.23%
40481 Old Highway 45 S, Hamilton, MS, 39746 8301
Unsecured Loan D
16.00%
▼
APR16.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Delta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
2339 HIGHWAY 1 S, Greenville, MS, 38701 8337
Graduation Loans
16.00%
▼
APR16.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Delta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
2339 HIGHWAY 1 S, Greenville, MS, 38701 8337
Back to School Loans
16.00%
▼
APR16.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.27%
1900 E Woodrow Wilson Ave Ste 204, Jackson, MS, 39216 5118
Unsecured (Signature)
16.25%
▼
APR16.25%
Last UpdatedMarch 21, 2026
Details
C Category 600 - 619
Citizens Choice Federal Credit Union
Institution Rating:
F1.4 ★Texas Ratio: 57.85%
101 Saint Catherine St, Natchez, MS, 39120
Title Loans
17.00%
▼
APR17.00%
Last UpdatedMarch 21, 2026
Details
interest rate of 17% of a title loan, which is significantly higher than a traditional loan.
Mississippi DHS Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
767 N PRESIDENT ST, JACKSON, MS, 39202
Signature 0-60 Months
17.00%
▼
APR17.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Mississippi Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
613 S West St, Jackson, MS, 39201 5506
Signature Loan
17.00%
▼
APR17.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Mississippi National Guard Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.90%
142 Military Dr, Jackson, MS, 39232 8861
Collateral Loans
17.99%
▼
APR17.99%
Last UpdatedMarch 21, 2026
Details
buy GAP 16.99%
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
4 Old River Pl, Jackson, MS, 39202 3431
Borrow and Save Loans
18.00%
▼
APR18.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Mississippi Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
613 S West St, Jackson, MS, 39201 5506
Signature Loan
18.00%
▼
APR18.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Mississippi Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
613 S West St, Jackson, MS, 39201 5506
No Credit Check Xmas Loan
18.00%
▼
APR18.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Mississippi National Guard Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.90%
142 Military Dr, Jackson, MS, 39232 8861
The Guard Loan, NO CREDIT CHECK
18.00%
▼
APR18.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Mississippi National Guard Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.90%
142 Military Dr, Jackson, MS, 39232 8861
The Guard Loan
18.00%
▼
APR18.00%
Last UpdatedMarch 21, 2026
Details
Qualifications Required: Must be a member for 6 months, in good standing; Must be on direct deposit or allotment for 6 months or have prior loan history and setup direct deposit, allotment or ACH (auto pay from another financial institution), minimum $125.00; Must be with present employer for 6 months with 1 or more years at last employment or ; 1 year with current employer; $30.00 application fee, non-refundable
Liberty Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
2325 Livingston Rd, Jackson, MS, 39213
Freedom Fast Personal Loan
18.00%
▼
APR18.00%
Last UpdatedMarch 21, 2026
Details
As Low As; Minimum and Maximum Period for Repayment: 12 to 36 Months; Minimum and Maximum Annual Percentage Rate (APR): 9% to 18%; Associated Fees: Document Fee - $20.00 and Origination Fee - $45.00
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.27%
1900 E Woodrow Wilson Ave Ste 204, Jackson, MS, 39216 5118
Unsecured (Non-Qualifying)
18.00%
▼
APR18.00%
Last UpdatedMarch 21, 2026
Details
A+ Category = or > 725
Gulf Coast Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.15%
12364 Highway 49, Gulfport, MS, 39503
Credit Rebuilder Loan
18.00%
▼
APR18.00%
Last UpdatedMarch 21, 2026
Details
Terms based on 12 months or less per $1,000 borrowed. Example: Monthly payments are approximately $87.13 per $1,000 borrowed for 12 months at 18%.
Gulf Coast Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.15%
12364 Highway 49, Gulfport, MS, 39503
Borrow and Save Loan
18.00%
▼
APR18.00%
Last UpdatedMarch 21, 2026
Details
Minimum amount $300 & maximum amount $2,500. Terms based on 12 months per $1,000 borrowed, 24 months maximum. Example: Monthly payments are approximately $87.13 per $1,000 borrowed for 12 months at 18%.
Brightview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
713 S Pear Orchard Rd Ste 101, Ridgeland, MS, 39157 4823
Unsecured
18.00%
▼
APR18.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
AMPOT Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.23%
40481 Old Highway 45 S, Hamilton, MS, 39746 8301
Unsecured Loan E
18.00%
▼
APR18.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Mississippi DHS Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
767 N PRESIDENT ST, JACKSON, MS, 39202
Signature 0-60 Months
18.00%
▼
APR18.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.27%
1900 E Woodrow Wilson Ave Ste 204, Jackson, MS, 39216 5118
Unsecured (Signature)
18.00%
▼
APR18.00%
Last UpdatedMarch 21, 2026
Details
D Category = or < 599
Magnolia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
240 Briarwood Dr, Jackson, MS, 39206
Short Term Small Dollar Loans
28.00%
▼
APR28.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Mississippi DHS Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
767 N PRESIDENT ST, JACKSON, MS, 39202
No Credit Check Loan
28.00%
▼
APR28.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Gulf Coast Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.15%
12364 Highway 49, Gulfport, MS, 39503
Short Term Small Amount Loan
28.00%
▼
APR28.00%
Last UpdatedMarch 21, 2026
Details
Minimum amount $200 & maximum amount $1,000. Terms based on 1-6 months per $1,000 borrowed. Example: Monthly payments are approximately $172.99 per $1,000 borrowed for 6 months at 28%.
Mississippi Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
613 S West St, Jackson, MS, 39201 5506
Qwik Cash Loan (PAL Loan)
28.00%
▼
APR28.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Gulf Coast Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.15%
12364 Highway 49, Gulfport, MS, 39503
Collateralized Personal Loan
5.00%
▼
APR5.00%
Last UpdatedMarch 21, 2026
Details
Amount financed based on collateral and NADA loan value. Terms based on 12 months per $1,000 borrowed. Example: Monthly payments are approximately $43.10 per $1,000 borrowed for 24 months at 5.00% APR.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
911 N Davis Ave, Cleveland, MS, 38732 2106
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedMarch 21, 2026
Details
As Low As
Pearl Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
2420 Old Brandon Rd, Pearl, MS, 39208 4601
Personal Loan
7.50%
▼
APR7.50%
Last UpdatedMarch 21, 2026
Details
As Low As
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
1506 Congress St, Laurel, MS, 39440 4239
Personal Loan
8.80%
▼
APR8.80%
Last UpdatedMarch 21, 2026
Details
As Low As; Individual - Up to 72 Months; $500 - $20,000
Memorial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
4305 14th St, GULFPORT, MS, 39501
Personal Loans
9.00%
▼
APR9.00%
Last UpdatedMarch 21, 2026
Details
As Low As
Liberty Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
2325 Livingston Rd, Jackson, MS, 39213
Freedom Fast Personal Loan
9.00%
▼
APR9.00%
Last UpdatedMarch 21, 2026
Details
As Low As; Minimum and Maximum Period for Repayment: 12 to 36 Months; Minimum and Maximum Annual Percentage Rate (APR): 9% to 18%; Associated Fees: Document Fee - $20.00 and Origination Fee - $45.00
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1340 Echelon Pkwy, Jackson, MS, 39213 8202
Personal Loan
9.24%
▼
APR9.24%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Gulf Coast Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.15%
12364 Highway 49, Gulfport, MS, 39503
Personal Loan
10.20%
▼
APR10.20%
Last UpdatedMarch 21, 2026
Details
$50,000 Maximum Loan. Terms based on 12 mo. per $1,000 borrowed, 96 months maximum. Example: Monthly payments are approximately $88.00 per $1,000 borrowed for 12 months at 10.20%.
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1340 Echelon Pkwy, Jackson, MS, 39213 8202
Personal Loan
10.24%
▼
APR10.24%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1201 Jackson Ave, Pascagoula, MS, 39567 4353
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedMarch 21, 2026
Details
As Low As
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2602 Pass Rd, Biloxi, MS, 39531 2728
Personal Loans
10.99%
▼
APR10.99%
Last UpdatedMarch 21, 2026
Details
As Low As
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1340 Echelon Pkwy, Jackson, MS, 39213 8202
Personal Loan
11.24%
▼
APR11.24%
Last UpdatedMarch 21, 2026
Details
No additional details available.
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
3182 Tupelo Cmns, Tupelo, MS, 38804 9513
Personal Loan
12.50%
▼
APR12.50%
Last UpdatedMarch 21, 2026
Details
Variable Rate
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
102 Highway 72 W, Corinth, MS, 38834 5511
Personal Loans
12.50%
▼
APR12.50%
Last UpdatedMarch 21, 2026
Details
As Low As; months
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
3182 Tupelo Cmns, Tupelo, MS, 38804 9513
Personal Loan
13.00%
▼
APR13.00%
Last UpdatedMarch 21, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1200 Magnolia Way, Blue Springs, MS, 38828
Personal Loan
13.49%
▼
APR13.49%
Last UpdatedMarch 21, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1200 Magnolia Way, Blue Springs, MS, 38828
Personal Loans
13.49%
▼
APR13.49%
Last UpdatedMarch 21, 2026
Details
As Low As; Rates, terms, and [payment examples](https://www.unifyfcu.com/personal-loan-rates "Personal Loan Rates")
Liberty Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
2325 Livingston Rd, Jackson, MS, 39213
Freedom Fast Personal Loan
18.00%
▼
APR18.00%
Last UpdatedMarch 21, 2026
Details
As Low As; Minimum and Maximum Period for Repayment: 12 to 36 Months; Minimum and Maximum Annual Percentage Rate (APR): 9% to 18%; Associated Fees: Document Fee - $20.00 and Origination Fee - $45.00
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
84 Airways Pl, Southaven, MS, 38671
Debt Consolidation
7.99%
▼
APR7.99%
Last UpdatedMarch 21, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1200 Magnolia Way, Blue Springs, MS, 38828
Debt Consolidation Loan
14.24%
▼
APR14.24%
Last UpdatedMarch 21, 2026
Details
As Low As; Rates, terms, and [payment examples](https://www.unifyfcu.com/personal-loan-rates "Personal Loan Rates")
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1200 Magnolia Way, Blue Springs, MS, 38828
Debt Consolidation Loans
14.24%
▼
APR14.24%
Last UpdatedMarch 21, 2026
Details
As Low As
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Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Mississippi Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
613 S West St, Jackson, MS, 39201 5506
Signature Loan
6.50%
▼
APR6.50%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Vickswood Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
107 Thalweg Dr, Vicksburg, MS, 39183
Signature Loans
7.00%
▼
APR7.00%
Last UpdatedMarch 21, 2026
Details
As Low As
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
4 Old River Pl, Jackson, MS, 39202 3431
Signature Loans
7.17%
▼
APR7.17%
Last UpdatedMarch 21, 2026
Details
As Low As
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
4 Old River Pl, Jackson, MS, 39202 3431
Unsecured / Signature
7.50%
▼
APR7.50%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Mississippi Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
613 S West St, Jackson, MS, 39201 5506
Signature Loan
7.50%
▼
APR7.50%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Securtrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
3870 Goodman Rd, Southaven, MS, 38672
Signatures
7.95%
▼
APR7.95%
Last UpdatedMarch 21, 2026
Details
As Low As
Mutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
1604 Cherry St, Vicksburg, MS, 39180
Personal Signature Loan
7.99%
▼
APR7.99%
Last UpdatedMarch 21, 2026
Details
As Low As
Triangle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
160 Simler Blvd, Columbus, MS, 39710 6802
Signature
8.00%
▼
APR8.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Mississippi National Guard Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.90%
142 Military Dr, Jackson, MS, 39232 8861
Signature Loan
8.00%
▼
APR8.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Mississippi Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
613 S West St, Jackson, MS, 39201 5506
Signature Loan
8.00%
▼
APR8.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Meridian Mutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
809 26th Ave, Meridian, MS, 39301
Signature Loans
8.49%
▼
APR8.49%
Last UpdatedMarch 21, 2026
Details
As Low As
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.27%
1900 E Woodrow Wilson Ave Ste 204, Jackson, MS, 39216 5118
Unsecured (Signature)
8.75%
▼
APR8.75%
Last UpdatedMarch 21, 2026
Details
A+ Category = or > 725
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
84 Airways Pl, Southaven, MS, 38671
Personal Signature
8.99%
▼
APR8.99%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Meridian Mississippi ANG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
6225 M St Bldg 305, Meridian, MS, 39307
Signature Loan
9.25%
▼
APR9.25%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.27%
1900 E Woodrow Wilson Ave Ste 204, Jackson, MS, 39216 5118
Unsecured (Signature)
9.75%
▼
APR9.75%
Last UpdatedMarch 21, 2026
Details
A Category 660 - 724
Waters Edge Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
1976 Popps Ferry Rd, Biloxi, MS, 39532
Signature loan
9.99%
▼
APR9.99%
Last UpdatedMarch 21, 2026
Details
As Low As; up to 4 years
Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.34%
1360 Sunset Dr Ste 6, Grenada, MS, 38901 2854
Signature
9.99%
▼
APR9.99%
Last UpdatedMarch 21, 2026
Details
Conditions Vary; other conditions apply
1st Mississippi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
600 19th Ave, Meridian, MS, 39301
Signature/Unsecured
9.99%
▼
APR9.99%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Meridian Mississippi ANG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
6225 M St Bldg 305, Meridian, MS, 39307
Closed-End Signature Loan
10.00%
▼
APR10.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Mississippi Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
613 S West St, Jackson, MS, 39201 5506
Signature Loan
10.00%
▼
APR10.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
CenturyFirst Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.83%
3318 HARDY ST, HATTIESBURG, MS, 39401 6962
Signature Loans
10.25%
▼
APR10.25%
Last UpdatedMarch 21, 2026
Details
As Low As
Southern Coastal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
677 Dr Martin Luther King Jr Blvd, BILOXI, MS, 39530 3838
Personal Signature Loan
10.95%
▼
APR10.95%
Last UpdatedMarch 21, 2026
Details
As Low As
Mississippi DHS Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
767 N PRESIDENT ST, JACKSON, MS, 39202
Signature 0-60 Months
11.00%
▼
APR11.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Rivertrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
409 Riverwind Dr, Pearl, MS, 39208 5917
Signature Loans
11.25%
▼
APR11.25%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2602 Pass Rd, Biloxi, MS, 39531 2728
Signature Loans
11.49%
▼
APR11.49%
Last UpdatedMarch 21, 2026
Details
As Low As
Mississippi DHS Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
767 N PRESIDENT ST, JACKSON, MS, 39202
Signature 0-60 Months
11.50%
▼
APR11.50%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.27%
1900 E Woodrow Wilson Ave Ste 204, Jackson, MS, 39216 5118
Unsecured (Signature)
11.75%
▼
APR11.75%
Last UpdatedMarch 21, 2026
Details
B Category 620 - 659
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
1808 S Fulton Dr, Corinth, MS, 38834 9043
Signature Loans
12.24%
▼
APR12.24%
Last UpdatedMarch 21, 2026
Details
As Low As; *Rates are based on credit qualifications, including credit score, minimum amount financed and term, and includes Premier/Access Premier relationship discount of 0.25% APR.
CenturyFirst Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.83%
3318 HARDY ST, HATTIESBURG, MS, 39401 6962
Signature Loans
12.25%
▼
APR12.25%
Last UpdatedMarch 21, 2026
Details
As Low As
Ferguson Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 20.66%
1026 E Broad St, Monticello, MS, 39654
Signature Loans
12.49%
▼
APR12.49%
Last UpdatedMarch 21, 2026
Details
No additional details available.
CenturyFirst Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.83%
3318 HARDY ST, HATTIESBURG, MS, 39401 6962
Signature Loans
12.99%
▼
APR12.99%
Last UpdatedMarch 21, 2026
Details
As Low As
Delta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
2339 HIGHWAY 1 S, Greenville, MS, 38701 8337
Signature Loans
13.00%
▼
APR13.00%
Last UpdatedMarch 21, 2026
Details
Regular APR: 13.00% to 18.00%
Mississippi DHS Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
767 N PRESIDENT ST, JACKSON, MS, 39202
Signature 0-60 Months
13.50%
▼
APR13.50%
Last UpdatedMarch 21, 2026
Details
No additional details available.
CenturyFirst Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.83%
3318 HARDY ST, HATTIESBURG, MS, 39401 6962
Signature Loans
13.75%
▼
APR13.75%
Last UpdatedMarch 21, 2026
Details
As Low As
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.27%
1900 E Woodrow Wilson Ave Ste 204, Jackson, MS, 39216 5118
Unsecured (Signature)
16.25%
▼
APR16.25%
Last UpdatedMarch 21, 2026
Details
C Category 600 - 619
Mississippi DHS Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
767 N PRESIDENT ST, JACKSON, MS, 39202
Signature 0-60 Months
17.00%
▼
APR17.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Mississippi Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
613 S West St, Jackson, MS, 39201 5506
Signature Loan
17.00%
▼
APR17.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.27%
1900 E Woodrow Wilson Ave Ste 204, Jackson, MS, 39216 5118
Unsecured (Signature)
18.00%
▼
APR18.00%
Last UpdatedMarch 21, 2026
Details
D Category = or < 599
Mississippi DHS Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
767 N PRESIDENT ST, JACKSON, MS, 39202
Signature 0-60 Months
18.00%
▼
APR18.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Mississippi Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
613 S West St, Jackson, MS, 39201 5506
Signature Loan
18.00%
▼
APR18.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
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No home improvement personal loan rates found in Mississippi currently.
Frequently Asked Questions
What credit score do I need for a personal loan in Mississippi?
Most lenders in Mississippi require a minimum credit score of 620 for approval, but borrowers with scores of 720 or higher will qualify for the most competitive APRs. Credit unions in Mississippi often have more flexible requirements than traditional banks.
What is the difference between secured and unsecured personal loans?
Unsecured personal loans in Mississippi require no collateral and are approved based on your creditworthiness alone. Secured loans are backed by an asset (such as savings or a vehicle) and typically offer lower interest rates. If you default on a secured loan, the lender may seize the collateral.
Can I use a personal loan for debt consolidation in Mississippi?
Yes. Debt consolidation is one of the most common uses of personal loans in Mississippi. By rolling multiple high-interest debts (credit cards, medical bills) into a single personal loan with a lower APR, you can reduce your total interest costs and simplify repayment.
Are credit unions or banks better for personal loans in Mississippi?
Credit unions in Mississippi often offer lower APRs and more flexible underwriting than traditional banks because they are member-owned and not-for-profit. However, you must meet membership eligibility requirements. Banks may offer faster approvals and larger loan amounts.
What are the best personal loan rates in Mississippi?
- Baxter Credit Union: 4.50% (Credit Builder Loan)
- Mississippi National Guard Federal Credit Union: 4.99% (New/Used Equipment (Max Loan)
- Gulf Coast Community Federal Credit Union: 5.00% (Collateralized Personal Loan)
- Rivertrust Federal Credit Union: 5.25% (New and Used Tractor Loans)
- Memorial Federal Credit Union: 5.75% (Loan Specials)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Mississippi. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 21, 2026.
