Best Personal Loan Rates in Jackson, Mississippi - July 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 Jackson, Mississippi include: Mississippi National Guard Federal Credit UnionMississippi National Guard Federal Credit Union142 Military Dr, Jackson, MS, 39232 8861C4.0 ★Texas Ratio: 25.49% offering Collateral Loans at 4.99% APR, Keesler Federal Credit UnionKeesler Federal Credit Union401 N West St, Jackson, MS, 39201 1010A+5.0 ★Texas Ratio: 3.87% offering Prime Rate Loan at 6.75% APR, Eagle Express Federal Credit UnionEagle Express Federal Credit Union567 S State St, Jackson, MS, 39201A+5.0 ★Texas Ratio: 2.24% offering Other Equipment Loan at 6.75% APR, Mississippi DHS Federal Credit UnionMississippi DHS Federal Credit Union767 N PRESIDENT ST, JACKSON, MS, 39202A+5.0 ★Texas Ratio: 4.46% offering Recreational Collateral 01-60 Months Loan at 7.00% APR, and Hope Federal Credit Union Jackson, MSHope Federal Credit Union Jackson, MS4 Old River Pl, Jackson, MS, 39202 3431A+5.0 ★Texas Ratio: 7.39% offering 48 Months Loan at 7.50% APR. Personal loan rates as of July 11, 2026 according to verified data from MonitorBankRates.
Jackson has 10 local institutions in our database, with personal loan rates as low as 4.99% APR from Mississippi National Guard Federal Credit Union at 142 Military Dr, Jackson, MS, 39232 8861. 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 Jackson, Mississippi.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Jackson, 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: July 11, 2026
Jackson Personal Loan Rates
No additional details available.
As Low As
As Low As; Category A: 690 or above
Monthly payments are approximately $30.97 per $1000 borrowed at 6.99% APR for 36 months.
Est. Monthly Payment per $1,000: $30.97
Credit Score 700+ Rate
Est. Monthly Payment per $1,000: $24.26
Monthly payments are approximately $31.20 per $1000 borrowed at 7.49% APR for 36 months.
Maximum Amount: 20% of Gross Income - Depends on Credit Score
Maximum Amount: 20% of Gross Income - Depends on Credit Score
Maximum Amount
One-time loan application fee of $85; Origination Fee of 3%; Collateral Required.
Est. Monthly Payment per $1,000: $20.35
As Low As
No additional details available.
No additional details available.
Maximum Amount: $1,000
No additional details available.
Maximum Amount
No additional details available.
As Low As; Category B: 660-689
No additional details available.
Intro rate expires: 12 months; Regular APR: 8.99% - 16.99%
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Credit Score 600-699 Rate
No additional details available.
As Low As; Category C: 620-659
As Low As; Rates Effective as of 01/01/2024. Rates subject to change without notice.
Credit Score 750+ Rate
No additional details available.
Credit Score 700-749 Rate
No additional details available.
No additional details available.
No additional details available.
Up to $10,000
Credit Score 660-699 Rate
No additional details available.
Credit Score 620-659 Rate
No additional details available.
Category D: less than 620
No additional details available.
No additional details available.
Credit Score 515-619 Rate
No additional details available.
As Low As
No additional details available.
As Low As
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
As Low As; APR - Annual Percentage Rate. Rates Subject To Change Without Notice.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
(under $5000)
As Low As; Beginning as low as 5.50%
No additional details available.
No additional details available.
No additional details available.
As Low As
With approved credit. Rate and term based on year model, amount financed, and credit score. Rates subject to change.
No additional details available.
No additional details available.
No additional details available.
As Low As
No additional details available.
Up to $10,000; As Low As
As Low As
No additional details available.
No additional details available.
(over $5000)
No additional details available.
No additional details available.
No additional details available.
($20,000 Maximum)
($7500 Maximum)
No additional details available.
No additional details available.
$10,001-$15,000; As Low As
As Low As
As Low As
No additional details available.
As Low As
As Low As
$15,001-$25,000; As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; Starts May 18, 2026
($20,000 Maximum)
As Low As; Personal loan rates.
As Low As
As Low As
Up to $2,500; As Low As; Credit Score Performance Based
($3000.00 Maximum)
$25,001-$50,000; As Low As
Rates as Low As
Borrow up to $10,000
As Low As; Beginning as low as 8.50%
Up to $2,500; As Low As; Credit Score Performance Based
($20,000 Maximum)
As Low As; Up to $20,000
As Low As; Up to $40,000
Maximum $20,000
As Low As; Limit: $500 - $20,000
As Low As; Limit: $500 - $20,000
As Low As; Limit: $500 - $40,000
As Low As; Limit: $500 - $40,000
As Low As
Member's interest rate decreased from 13.99% to 8.99%.
As Low As
As Low As
Pick Your Payment
No additional details available.
Pick Your Payment
As Low As; APR - Annual Percentage Rate. Rates Subject To Change Without Notice.
As Low As
Credit Score: 760 +
As Low As
As Low As
Maximum loan $50,000. Terms based on 12 mo. per $1,000 borrowed, 96 months maximum. Example: Monthly payments are approximately $87.93 per $1,000 borrowed for 12 months at 9.99%. Membership fee and eligibility required: You must live, work, worship or attend school in Harrison, Hancock, Jackson, or Stone County.
No additional details available.
No additional details available.
As Low As; Credit Score Performance Based
All rates in this table are APR=Annual Percentage Rate. Subject to credit approval.
As Low As
As Low As
Credit Score: 720 - 759
No additional details available.
As Low As; New & Used
Credit Score: 680 - 719
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.
As Low As; Credit Score Performance Based
As Low As; Credit Score Performance Based
As Low As
Your rate depends on your Credit Score. Minimum $500.00 Maximum $6000.00. Any late payment within 6 months prior to the application for a refinance will result in the denial of loan.
With approved credit. Rate and term based on year model, amount financed, and credit score. Rates subject to change.
As Low As
No additional details available.
As Low As; Credit Score Performance Based
Credit Score: 640 - 679
No additional details available.
Credit Score: 600 - 639
Your rate depends on your Credit Score
Your rate depends on your Credit Score
Your rate depends on your Credit Score
Pick Your Payment
Jackson Personal Loan Rates
As Low As
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
As Low As; Personal loan rates.
As Low As; Limit: $500 - $20,000
As Low As; Limit: $500 - $40,000
As Low As
Pick Your Payment
Pick Your Payment
No additional details available.
Maximum loan $50,000. Terms based on 12 mo. per $1,000 borrowed, 96 months maximum. Example: Monthly payments are approximately $87.93 per $1,000 borrowed for 12 months at 9.99%. Membership fee and eligibility required: You must live, work, worship or attend school in Harrison, Hancock, Jackson, or Stone County.
As Low As
As Low As; New & Used
As Low As
With approved credit. Rate and term based on year model, amount financed, and credit score. Rates subject to change.
No additional details available.
Pick Your Payment
Jackson Debt Consolidation Loan Rates
No additional details available.
Jackson Signature Loan Rates
Maximum Amount: 20% of Gross Income - Depends on Credit Score
No additional details available.
No additional details available.
Credit Score 750+ Rate
Credit Score 700-749 Rate
No additional details available.
Credit Score 660-699 Rate
No additional details available.
Credit Score 620-659 Rate
No additional details available.
Credit Score 515-619 Rate
No additional details available.
As Low As
As Low As
Rates as Low As
Member's interest rate decreased from 13.99% to 8.99%.
No additional details available.
As Low As
Credit Score: 760 +
No additional details available.
As Low As; Credit Score Performance Based
All rates in this table are APR=Annual Percentage Rate. Subject to credit approval.
As Low As
As Low As
Credit Score: 720 - 759
Credit Score: 680 - 719
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.
As Low As; Credit Score Performance Based
As Low As; Credit Score Performance Based
Your rate depends on your Credit Score. Minimum $500.00 Maximum $6000.00. Any late payment within 6 months prior to the application for a refinance will result in the denial of loan.
As Low As; Credit Score Performance Based
Credit Score: 640 - 679
Credit Score: 600 - 639
Jackson, MS Personal Loan Rate Trends
Compare local Jackson, MS 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.
Mississippi personal loan rates rose 0.710 points over the past 7 days to 10.180% APR.
Mississippi signature loan rates fell 0.001 points over the past 7 days to 11.471% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Jackson, Mississippi personal loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Personal Loan Rate Data: We aggregate personal loan rates for Jackson, Mississippi directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available personal loan products in Jackson, Mississippi. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in MS.
Regularly Updated APRs: Our rate updaters verify and update personal loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Personal loan APRs shown typically represent “as low as” rates for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, and loan amount.
Frequently Asked Questions
What credit score do I need for a personal loan in Mississippi?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Mississippi?
Are credit unions or banks better for personal loans in Jackson, Mississippi?
What are the best personal loan rates in Jackson, Mississippi?
- Mississippi National Guard Federal Credit Union: 4.99% (Collateral Loans)
- Keesler Federal Credit Union: 6.75% (Prime Rate Loan)
- Eagle Express Federal Credit Union: 6.75% (Other Equipment Loan)
- Mississippi DHS Federal Credit Union: 7.00% (Recreational Collateral 01-60 Months Loan)
- Hope Federal Credit Union Jackson, MS: 7.50% (48 Months Loan)
Personal Loan Calculators
