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Personal Loan Rate Trends

Newton, Mississippi Best Personal Loan Rates for October 2026

Newton, Mississippi personal loan rates from lenders serving Mississippi range from 6.50% to 18.00% APR, verified by MonitorBankRates as of October 31, 2026. Current personal loan options available to borrowers in Newton, Mississippi include: Mississippi Public Employees Credit UnionMississippi Public Employees Credit UnionA+5.0 ★Texas Ratio: 0.15%Rate verified Oct 29, 2026 offering Signature Loan at 6.50% APR, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 6.31%Rate verified Oct 30, 2026 offering Personal Loan at 6.99% APR, Vickswood Federal Credit UnionVickswood Federal Credit UnionA+5.0 ★Texas Ratio: 0.00%Rate verified Oct 29, 2026 offering Signature Loans at 7.00% APR, Hope Federal Credit Union Jackson, MSHope Federal Credit Union Jackson, MSA5.0 ★Texas Ratio: 7.78%Rate verified Oct 29, 2026 offering Unsecured / Signature Loan at 7.50% APR, and Pearl Municipal Federal Credit UnionPearl Municipal Federal Credit UnionA+5.0 ★Texas Ratio: 2.42%Rate verified Oct 29, 2026 offering Signature Loan at 7.50% APR. Personal loan rates as of October 31, 2026 according to verified data from MonitorBankRates.

Newton borrowers have access to 42 lenders serving the Mississippi area, with personal loan rates as low as 6.50% APR from Mississippi Public Employees Credit Union. Use the tabs below to compare all available personal loan types. Rates are continually updated, so 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 Newton, Mississippi.

Personal loan rates reflect recent market quotes and representative offers available to borrowers in Newton, 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: October 31, 2026

Newton Personal Loan Rates

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: 0.15%
Signature LoanTerm: 12 Months
6.50%
▼
APR6.50%
Term12 Months
Last UpdatedNot available
Details

Credit Score: 660 and up

Rate History
No change since Sep 14, 2026 · 6.50% APR · checked 9 times
6.00%6.50%7.00%Sep 14, 2026: 6.50% APRSep 14, 2026Oct 31, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
Personal Loan
6.99%
▼
APR6.99%
TermN/A
Last UpdatedNot available
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 7.49% → 6.99% ▼ 0.50 pts · high 7.49% / low 6.99%
6.49%7.24%7.99%Sep 14, 2026: 7.49% APROct 10, 2026: 6.99% APRSep 14, 2026Oct 31, 2026
  • Oct 10, 20266.99%▼ from 7.49%
  • Sep 14, 20267.49%first recorded
Vickswood Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loans
7.00%
▼
APR7.00%
TermN/A
Last UpdatedNot available
Details

As Low As; APR* starts at; Rate based on creditworthiness and term of loan

Rate History
No change since Sep 14, 2026 · 7.00% APR · checked 10 times
6.50%7.00%7.50%Sep 14, 2026: 7.00% APRSep 14, 2026Oct 31, 2026
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
Unsecured / Signature LoanTerm: 48 Months
7.50%
▼
APR7.50%
Term48 Months
Last UpdatedNot available
Details

Rate range: 7.50% - 18.00%; Maximum Amount: 20% of Gross Income - Depends on Credit Score

Rate History
No change since Sep 14, 2026 · 7.50% APR · checked 10 times
7.00%7.50%8.00%Sep 14, 2026: 7.50% APRSep 14, 2026Oct 31, 2026
Pearl Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
Signature Loan
7.50%
▼
APR7.50%
TermN/A
Last UpdatedNot available
Details

As Low As; Rates effective as of 10/01/2024

Rate History
No change since Sep 14, 2026 · 7.50% APR · checked 10 times
7.00%7.50%8.00%Sep 14, 2026: 7.50% APRSep 14, 2026Oct 31, 2026
Mississippi Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
Signature LoanTerm: 36 Months
7.50%
▼
APR7.50%
Term36 Months
Last UpdatedNot available
Details

Credit Score: 660 and up

Rate History
No change since Sep 14, 2026 · 7.50% APR · checked 9 times
7.00%7.50%8.00%Sep 14, 2026: 7.50% APRSep 14, 2026Oct 31, 2026
MUW Employees Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.58%
Signature Loan
7.90%
▼
APR7.90%
TermN/A
Last UpdatedNot available
Details

As Low As; Featured Rates; Rates effective as of 03/01/2025

Rate History
No change since Sep 12, 2026 · 7.90% APR · checked 10 times
7.40%7.90%8.40%Sep 12, 2026: 7.90% APRSep 12, 2026Oct 31, 2026
Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.49%
Personal Loan - Household Goods
7.99%
▼
APR7.99%
TermN/A
Last UpdatedNot available
Details

APR range: 7.99% to 15.50%; Limited to 100% of purchase price

Rate History
No change since Oct 23, 2026 · 7.99% APR · checked 2 times
7.49%7.99%8.49%Oct 23, 2026: 7.99% APROct 23, 2026Oct 31, 2026
Ferguson Federal Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.39%
Signature Loans
7.99%
▼
APR7.99%
TermN/A
Last UpdatedNot available
Details

As Low As; APR as low as 7.99%; Actual rates and terms vary based on credit history, loan amount, and collateral.

Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 12 times
7.49%7.99%8.49%Sep 14, 2026: 7.99% APRSep 14, 2026Oct 31, 2026
Mutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
Personal Signature LoanTerm: Up to 72 Months
7.99%
▼
APR7.99%
TermUp to 72 Months
Last UpdatedNot available
Details

As Low As; Listed APR is based on credit qualification. Terms from 1 to 72 months.

Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 11 times
7.49%7.99%8.49%Sep 14, 2026: 7.99% APRSep 14, 2026Oct 31, 2026
Triangle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
Signature LoanTerm: up to 60 Months
8.00%
▼
APR8.00%
Termup to 60 Months
Last UpdatedNot available
Details

Rate range: 8.00% - 17.00%

Rate History
No change since Sep 14, 2026 · 8.00% APR · checked 12 times
7.50%8.00%8.50%Sep 14, 2026: 8.00% APRSep 14, 2026Oct 31, 2026
Mississippi National Guard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
Signature LoanTerm: 24 Months
8.00%
▼
APR8.00%
Term24 Months
Last UpdatedNot available
Details

Credit Rating: 730 & above

Rate History
No change since Sep 17, 2026 · 8.00% APR · checked 11 times
7.50%8.00%8.50%Sep 17, 2026: 8.00% APRSep 17, 2026Oct 31, 2026
AMPOT Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.03%
Unsecured Loan - PreferredTerm: 36 months
8.00%
▼
APR8.00%
Term36 months
Last UpdatedNot available
Details

Credit Score: 715+; Max: $5,000

Rate History
No change since Oct 13, 2026 · 8.00% APR · checked 4 times
7.50%8.00%8.50%Oct 13, 2026: 8.00% APROct 13, 2026Oct 31, 2026
Mississippi Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
Signature LoanTerm: 12 Months
8.00%
▼
APR8.00%
Term12 Months
Last UpdatedNot available
Details

Credit Score: 659 - 620

Rate History
No change since Sep 14, 2026 · 8.00% APR · checked 9 times
7.50%8.00%8.50%Sep 14, 2026: 8.00% APRSep 14, 2026Oct 31, 2026
Ferguson Federal Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.39%
Signature Loans
8.24%
▼
APR8.24%
TermN/A
Last UpdatedNot available
Details

As Low As; APR as low as; Personal Loan Rates table

Rate History
2 changes since Sep 14, 2026 · 7.99% → 8.24% ▲ 0.25 pts · high 8.24% / low 7.99%
7.49%8.12%8.74%Sep 14, 2026: 7.99% APROct 5, 2026: 8.14% APROct 23, 2026: 8.24% APRSep 14, 2026Oct 31, 2026
  • Oct 23, 20268.24%▲ from 8.14%
  • Oct 5, 20268.14%▲ from 7.99%
  • Sep 14, 20267.99%first recorded
Meridian Mutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
Signature Loans
8.49%
▼
APR8.49%
TermN/A
Last UpdatedNot available
Details

As Low As; Rates as low as 8.49% APR; Rate subject to creditworthiness and approval; Rates effective as of June 1, 2024; Up to 3 years for repayment

Rate History
No change since Sep 12, 2026 · 8.49% APR · checked 11 times
7.99%8.49%8.99%Sep 12, 2026: 8.49% APRSep 12, 2026Oct 31, 2026
Gulf Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
Unsecured LoansTerm: 12-60 Months
8.50%
▼
APR8.50%
Term12-60 Months
Last UpdatedNot available
Details

As Low As; Beginning as low as 8.50%; APR based on credit score

Rate History
No change since Sep 14, 2026 · 8.50% APR · checked 11 times
8.00%8.50%9.00%Sep 14, 2026: 8.50% APRSep 14, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Personal Loan - Up to 36 MonthsTerm: Up to 36 Months
8.74%
▼
APR8.74%
TermUp to 36 Months
Last UpdatedNot available
Details

APR as low as; Rates as of Oct 30, 2026 ET; Personal Loan rates range from 8.74% to 18.00% APR

Rate History
No change since Oct 20, 2026 · 8.74% APR · checked 3 times
8.24%8.74%9.24%Oct 20, 2026: 8.74% APROct 20, 2026Oct 31, 2026
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.43%
Unsecured Line-of-Credit Loan
8.75%
▼
APR8.75%
TermN/A
Last UpdatedNot available
Details

Term: (Line-of-Credit) Revolving; Credit Category: A+ (= or > 725); Effective January 1, 2023

Rate History
No change since Oct 23, 2026 · 8.75% APR · checked 2 times
8.25%8.75%9.25%Oct 23, 2026: 8.75% APROct 23, 2026Oct 31, 2026
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.43%
Unsecured Signature LoanTerm: 1 months
8.75%
▼
APR8.75%
Term1 months
Last UpdatedNot available
Details

Term: (Signature) 01 - 36 Months; Credit Category: A+ (= or > 725); Effective January 1, 2023

Rate History
No change since Oct 23, 2026 · 8.75% APR · checked 2 times
8.25%8.75%9.25%Oct 23, 2026: 8.75% APROct 23, 2026Oct 31, 2026
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Bill Consolidation LoanTerm: 72 Months
8.80%
▼
APR8.80%
Term72 Months
Last UpdatedNot available
Details

As Low As; Individual; Limit: Up to $20,000

Rate History
No change since Oct 23, 2026 · 8.80% APR · checked 2 times
8.30%8.80%9.30%Oct 23, 2026: 8.80% APROct 23, 2026Oct 31, 2026
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Personal Loan - IndividualTerm: Up to 72 Months
8.80%
▼
APR8.80%
TermUp to 72 Months
Last UpdatedNot available
Details

As Low As; Individual; Limit: $500 - $20,000

Rate History
No change since Oct 12, 2026 · 8.80% APR · checked 4 times
8.30%8.80%9.30%Oct 12, 2026: 8.80% APROct 12, 2026Oct 31, 2026
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Personal Loan - JointTerm: Up to 72 Months
8.80%
▼
APR8.80%
TermUp to 72 Months
Last UpdatedNot available
Details

As Low As; Joint; Limit: $500 - $40,000

Rate History
No change since Oct 12, 2026 · 8.80% APR · checked 4 times
8.30%8.80%9.30%Oct 12, 2026: 8.80% APROct 12, 2026Oct 31, 2026
HealthPlus Federal Credit Union
Institution Rating:
F2.0 ★Texas Ratio: 51.07%
Unsecured LoanTerm: Max 60 months
8.99%
▼
APR8.99%
Interest Rate8.99%
TermMax 60 months
Last UpdatedNot available
Details

Credit Rating: S (775+); Unsecured Limit: $15,000.00

Rate History
No change since Oct 23, 2026 · 8.99% APR · checked 2 times
8.49%8.99%9.49%Oct 23, 2026: 8.99% APROct 23, 2026Oct 31, 2026
Mississippi National Guard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
Signature LoanTerm: 24 Months
9.00%
▼
APR9.00%
Term24 Months
Last UpdatedNot available
Details

Credit Rating: 680-729

Rate History
No change since Sep 17, 2026 · 9.00% APR · checked 11 times
8.50%9.00%9.50%Sep 17, 2026: 9.00% APRSep 17, 2026Oct 31, 2026
Memorial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
Personal Loans
9.00%
▼
APR9.00%
TermN/A
Last UpdatedNot available
Details

As Low As; Signature Loans, repayment terms up to 60 months, no collateral required; advertised as low as APR, actual APR may differ

Rate History
No change since Sep 14, 2026 · 9.00% APR · checked 11 times
8.50%9.00%9.50%Sep 14, 2026: 9.00% APRSep 14, 2026Oct 31, 2026
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Signature Loans - Personal LoanTerm: Up to 12 months
9.24%
▼
APR9.24%
TermUp to 12 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Oct 13, 2026 · 9.24% APR · checked 4 times
8.74%9.24%9.74%Oct 13, 2026: 9.24% APROct 13, 2026Oct 31, 2026
Zellco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Unsecured Loan
9.74%
▼
APR9.74%
TermN/A
Last UpdatedNot available
Details

As Low As; Featured Rates; Rates Subject To Change Without Notice

Rate History
No change since Sep 16, 2026 · 9.74% APR · checked 7 times
9.24%9.74%10.24%Sep 16, 2026: 9.74% APRSep 16, 2026Oct 31, 2026
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.43%
Unsecured Line-of-Credit Loan
9.75%
▼
APR9.75%
TermN/A
Last UpdatedNot available
Details

Term: (Line-of-Credit) Revolving; Credit Category: A (660 - 724); Effective January 1, 2023

Rate History
No change since Oct 23, 2026 · 9.75% APR · checked 2 times
9.25%9.75%10.25%Oct 23, 2026: 9.75% APROct 23, 2026Oct 31, 2026
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.43%
Unsecured Signature LoanTerm: 1 months
9.75%
▼
APR9.75%
Term1 months
Last UpdatedNot available
Details

Term: (Signature) 01 - 36 Months; Credit Category: A (660 - 724); Effective January 1, 2023

Rate History
No change since Oct 23, 2026 · 9.75% APR · checked 2 times
9.25%9.75%10.25%Oct 23, 2026: 9.75% APROct 23, 2026Oct 31, 2026
Magnolia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Signature Loans - Unsecured LoansTerm: Up to 60 Months
9.95%
▼
APR9.95%
TermUp to 60 Months
Last UpdatedNot available
Details

APR range: 9.95% - 18.00%; Daily Periodic Rate: 0.0245% - 0.0493%

Rate History
No change since Oct 22, 2026 · 9.95% APR · checked 3 times
9.45%9.95%10.45%Oct 22, 2026: 9.95% APROct 22, 2026Oct 31, 2026
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
Personal Loan
9.99%
▼
APR9.99%
TermN/A
Last UpdatedNot available
Details

As Low As

Rate History
No change since Sep 16, 2026 · 9.99% APR · checked 9 times
9.49%9.99%10.49%Sep 16, 2026: 9.99% APRSep 16, 2026Oct 31, 2026
Gulf Coast Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
Personal Loan
9.99%
▼
APR9.99%
TermN/A
Last UpdatedNot available
Details

Published APR range: 9.99 - 16.99%. Maximum loan $50,000; terms based on 12 mo. per $1,000 borrowed, 96 months maximum; loans above $35,000 may be financed for 120 months with 5 year balloon; 90 day payment deferral option on most loans; membership eligibility required

Rate History
No change since Oct 15, 2026 · 9.99% APR · checked 3 times
9.49%9.99%10.49%Oct 15, 2026: 9.99% APROct 15, 2026Oct 31, 2026
Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.49%
Personal Loan - Signature
9.99%
▼
APR9.99%
TermN/A
Last UpdatedNot available
Details

APR range: 9.99% to 17.99%; Conditions Vary; other conditions apply

Rate History
No change since Oct 23, 2026 · 9.99% APR · checked 2 times
9.49%9.99%10.49%Oct 23, 2026: 9.99% APROct 23, 2026Oct 31, 2026
Waters Edge Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.36%
Signature loanTerm: Up to 4 years
9.99%
▼
APR9.99%
Interest Rate9.99%
TermUp to 4 years
Last UpdatedNot available
Details

As Low As; Low Interest Loans

Rate History
No change since Sep 12, 2026 · 9.99% APR · checked 11 times
9.49%9.99%10.49%Sep 12, 2026: 9.99% APRSep 12, 2026Oct 31, 2026
Singing River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
Signature Loans
9.99%
▼
APR9.99%
Interest Rate9.99%
TermN/A
Last UpdatedNot available
Details

Credit Score: 760 +; Tier: A++

Rate History
No change since Sep 12, 2026 · 9.99% APR · checked 11 times
9.49%9.99%10.49%Sep 12, 2026: 9.99% APRSep 12, 2026Oct 31, 2026
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
Personal Signature Loan
9.99%
▼
APR9.99%
TermN/A
Last UpdatedNot available
Details

Range: 9.99% - 15.99%; Rate based on creditworthiness and term of loan

Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 11 times
9.49%9.99%10.49%Sep 14, 2026: 9.99% APRSep 14, 2026Oct 31, 2026
1st Mississippi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
Personal Loan - Signature/Unsecured
9.99%
▼
APR9.99%
TermN/A
Last UpdatedNot available
Details

Terms: See a 1st MS Loan Officer; Rates are based on creditworthiness, so your rate may differ

Rate History
No change since Oct 23, 2026 · 9.99% APR · checked 2 times
9.49%9.99%10.49%Oct 23, 2026: 9.99% APROct 23, 2026Oct 31, 2026
AMPOT Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.03%
Unsecured LoanTerm: 36 months
10.00%
▼
APR10.00%
Term36 months
Last UpdatedNot available
Details

Credit Score: 680-714; Max: $4,000

Rate History
No change since Sep 18, 2026 · 10.00% APR · checked 10 times
9.50%10.00%10.50%Sep 18, 2026: 10.00% APRSep 18, 2026Oct 31, 2026
Mississippi Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
Signature LoanTerm: 36 Months
10.00%
▼
APR10.00%
Term36 Months
Last UpdatedNot available
Details

Credit Score: 659 - 620

Rate History
No change since Sep 14, 2026 · 10.00% APR · checked 9 times
9.50%10.00%10.50%Sep 14, 2026: 10.00% APRSep 14, 2026Oct 31, 2026
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Signature Loans - Personal LoanTerm: Up to 36 months
10.24%
▼
APR10.24%
TermUp to 36 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Oct 13, 2026 · 10.24% APR · checked 4 times
9.74%10.24%10.74%Oct 13, 2026: 10.24% APROct 13, 2026Oct 31, 2026
CenturyFirst Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.18%
Signature LoansTerm: Up to 24 Months
10.25%
▼
APR10.25%
TermUp to 24 Months
Last UpdatedNot available
Details

As Low As; Credit score performance based

Rate History
No change since Sep 14, 2026 · 10.25% APR · checked 9 times
9.75%10.25%10.75%Sep 14, 2026: 10.25% APRSep 14, 2026Oct 31, 2026
Statewide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
Signature LoanTerm: Up to 36 Months
10.45%
▼
APR10.45%
TermUp to 36 Months
Last UpdatedNot available
Details

APR range: 10.45% - 18.00%; Subject to credit approval

Rate History
No change since Sep 12, 2026 · 10.45% APR · checked 9 times
9.95%10.45%10.95%Sep 12, 2026: 10.45% APRSep 12, 2026Oct 31, 2026
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
Signature Loans
10.49%
▼
APR10.49%
TermN/A
Last UpdatedNot available
Details

As Low As; Est. monthly payment approximately49% APR for 36 months

Rate History
No change since Oct 12, 2026 · 10.49% APR · checked 4 times
9.99%10.49%10.99%Oct 12, 2026: 10.49% APROct 12, 2026Oct 31, 2026
Members Exchange Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
Unsecured Personal Loan
10.49%
▼
APR10.49%
TermN/A
Last UpdatedNot available
Details

As Low As; APR range: 10.49% - 16.49%; Risk Based; Introductory Rate: N/A

Rate History
No change since Oct 22, 2026 · 10.49% APR · checked 3 times
9.99%10.49%10.99%Oct 22, 2026: 10.49% APROct 22, 2026Oct 31, 2026
Rivertrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
Signature LoansTerm: 24 - 60 months
10.50%
▼
APR10.50%
Interest Rate10.50%
Term24 - 60 months
Last UpdatedNot available
Details

Published APR range: 10.50%-18.00%; Published rate range: 10.50%-18.00%. All quoted loan rates are APR rates

Rate History
No change since Sep 25, 2026 · 10.50% APR · checked 7 times
10.00%10.50%11.00%Sep 25, 2026: 10.50% APRSep 25, 2026Oct 31, 2026
Mississippi National Guard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
Signature LoanTerm: 24 Months
10.50%
▼
APR10.50%
Term24 Months
Last UpdatedNot available
Details

Credit Rating: 640-679

Rate History
No change since Sep 17, 2026 · 10.50% APR · checked 11 times
10.00%10.50%11.00%Sep 17, 2026: 10.50% APRSep 17, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Personal Loan - 37-60 MonthsTerm: 37-60 months
10.69%
▼
APR10.69%
Term37-60 months
Last UpdatedNot available
Details

APR as low as; Rates as of Oct 30, 2026 ET; Personal Loan rates range from 8.74% to 18.00% APR; $25,000 minimum amount financed for 61 to 84 months applies to extended terms

Rate History
No change since Oct 20, 2026 · 10.69% APR · checked 3 times
10.19%10.69%11.19%Oct 20, 2026: 10.69% APROct 20, 2026Oct 31, 2026
Southern Coastal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
Personal Signature Loan
10.95%
▼
APR10.95%
TermN/A
Last UpdatedNot available
Details

As Low As; APR* as low as; Loan Rates

Rate History
No change since Sep 14, 2026 · 10.95% APR · checked 10 times
10.45%10.95%11.45%Sep 14, 2026: 10.95% APRSep 14, 2026Oct 31, 2026
HealthPlus Federal Credit Union
Institution Rating:
F2.0 ★Texas Ratio: 51.07%
Unsecured LoanTerm: Max 60 months
10.99%
▼
APR10.99%
Interest Rate10.99%
TermMax 60 months
Last UpdatedNot available
Details

Credit Rating: A (700-774); Unsecured Limit: $10,000.00

Rate History
No change since Oct 23, 2026 · 10.99% APR · checked 2 times
10.49%10.99%11.49%Oct 23, 2026: 10.99% APROct 23, 2026Oct 31, 2026
Singing River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
Signature Loans
10.99%
▼
APR10.99%
Interest Rate10.99%
TermN/A
Last UpdatedNot available
Details

Credit Score: 720 - 759; Tier: A+

Rate History
No change since Sep 12, 2026 · 10.99% APR · checked 11 times
10.49%10.99%11.49%Sep 12, 2026: 10.99% APRSep 12, 2026Oct 31, 2026
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
Personal Loan
10.99%
▼
APR10.99%
TermN/A
Last UpdatedNot available
Details

As Low As; New & Used; All loan rates are quoted as the as low as annual percentage rate (APR) and are based on length of loan term and on applicant's credit history.

Rate History
No change since Sep 30, 2026 · 10.99% APR · checked 7 times
10.49%10.99%11.49%Sep 30, 2026: 10.99% APRSep 30, 2026Oct 31, 2026
Mississippi DHS Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
Unsecured Signature LoanTerm: 0-60 Months
11.00%
▼
APR11.00%
Term0-60 Months
Last UpdatedNot available
Details

Credit Grade: A+ (750+)

Rate History
No change since Sep 18, 2026 · 11.00% APR · checked 6 times
10.50%11.00%11.50%Sep 18, 2026: 11.00% APRSep 18, 2026Oct 31, 2026
Veritas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
Unsecured Loan
11.00%
▼
APR11.00%
TermN/A
Last UpdatedNot available
Details

APR range: 11.00% to 18.00%

Rate History
No change since Sep 14, 2026 · 11.00% APR · checked 12 times
10.50%11.00%11.50%Sep 14, 2026: 11.00% APRSep 14, 2026Oct 31, 2026
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Signature Loans - Personal LoanTerm: Up to 60 months
11.24%
▼
APR11.24%
TermUp to 60 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Oct 13, 2026 · 11.24% APR · checked 4 times
10.74%11.24%11.74%Oct 13, 2026: 11.24% APROct 13, 2026Oct 31, 2026
Mississippi DHS Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
Unsecured Signature LoanTerm: 0-60 Months
11.50%
▼
APR11.50%
Term0-60 Months
Last UpdatedNot available
Details

Credit Grade: A (700-749)

Rate History
No change since Sep 18, 2026 · 11.50% APR · checked 6 times
11.00%11.50%12.00%Sep 18, 2026: 11.50% APRSep 18, 2026Oct 31, 2026
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.43%
Unsecured Line-of-Credit Loan
11.75%
▼
APR11.75%
TermN/A
Last UpdatedNot available
Details

Term: (Line-of-Credit) Revolving; Credit Category: B (620 - 659); Effective January 1, 2023

Rate History
No change since Oct 23, 2026 · 11.75% APR · checked 2 times
11.25%11.75%12.25%Oct 23, 2026: 11.75% APROct 23, 2026Oct 31, 2026
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.43%
Unsecured Signature LoanTerm: 1 months
11.75%
▼
APR11.75%
Term1 months
Last UpdatedNot available
Details

Term: (Signature) 01 - 36 Months; Credit Category: B (620 - 659); Effective January 1, 2023

Rate History
No change since Oct 23, 2026 · 11.75% APR · checked 2 times
11.25%11.75%12.25%Oct 23, 2026: 11.75% APROct 23, 2026Oct 31, 2026
Singing River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
Signature Loans
11.99%
▼
APR11.99%
Interest Rate11.99%
TermN/A
Last UpdatedNot available
Details

Credit Score: 680 - 719; Tier: A

Rate History
No change since Sep 12, 2026 · 11.99% APR · checked 11 times
11.49%11.99%12.49%Sep 12, 2026: 11.99% APRSep 12, 2026Oct 31, 2026
AMPOT Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.03%
Unsecured Loan - BTerm: 36 months
12.00%
▼
APR12.00%
Term36 months
Last UpdatedNot available
Details

Credit Score: 640-679; Max: $3,500

Rate History
No change since Sep 18, 2026 · 12.00% APR · checked 5 times
11.50%12.00%12.50%Sep 18, 2026: 12.00% APRSep 18, 2026Oct 31, 2026
ECM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
Unsecured LoanTerm: 0 - 60 months
12.00%
▼
APR12.00%
Term0 - 60 months
Last UpdatedNot available
Details

As Low As; Features: Up to $15,000

Rate History
No change since Sep 14, 2026 · 12.00% APR · checked 7 times
11.50%12.00%12.50%Sep 14, 2026: 12.00% APRSep 14, 2026Oct 31, 2026
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
Signature Loans
12.24%
▼
APR12.24%
TermN/A
Last UpdatedNot available
Details

As Low As; Amount: $1,500 minimum; 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

Rate History
No change since Sep 14, 2026 · 12.24% APR · checked 10 times
11.74%12.24%12.74%Sep 14, 2026: 12.24% APRSep 14, 2026Oct 31, 2026
CenturyFirst Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.18%
Signature LoansTerm: Up to 36 Months
12.25%
▼
APR12.25%
TermUp to 36 Months
Last UpdatedNot available
Details

As Low As; Credit score performance based

Rate History
No change since Sep 14, 2026 · 12.25% APR · checked 9 times
11.75%12.25%12.75%Sep 14, 2026: 12.25% APRSep 14, 2026Oct 31, 2026
Mississippi National Guard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
Signature LoanTerm: 24 Months
12.50%
▼
APR12.50%
Term24 Months
Last UpdatedNot available
Details

Credit Rating: 600-639

Rate History
No change since Sep 17, 2026 · 12.50% APR · checked 11 times
12.00%12.50%13.00%Sep 17, 2026: 12.50% APRSep 17, 2026Oct 31, 2026
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
Personal LoanTerm: Variable Rate
12.75%
▼
APR12.75%
Interest Rate12.75%
TermVariable Rate
Last UpdatedNot available
Details

As Low As; Variable rate loan; Maximum APR for all variable rate loans is 18%

Rate History
1 change since Sep 14, 2026 · 12.50% → 12.75% ▲ 0.25 pts · high 12.75% / low 12.50%
12.00%12.63%13.25%Sep 14, 2026: 12.50% APROct 4, 2026: 12.75% APRSep 14, 2026Oct 31, 2026
  • Oct 4, 202612.75%▲ from 12.50%
  • Sep 14, 202612.50%first recorded
HealthPlus Federal Credit Union
Institution Rating:
F2.0 ★Texas Ratio: 51.07%
Unsecured LoanTerm: Max 48 months
12.99%
▼
APR12.99%
Interest Rate12.99%
TermMax 48 months
Last UpdatedNot available
Details

Credit Rating: B (650-699); Unsecured Limit: $7,500.00

Rate History
No change since Oct 23, 2026 · 12.99% APR · checked 2 times
12.49%12.99%13.49%Oct 23, 2026: 12.99% APROct 23, 2026Oct 31, 2026
CenturyFirst Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.18%
Signature LoansTerm: Up to 48 Months
12.99%
▼
APR12.99%
TermUp to 48 Months
Last UpdatedNot available
Details

As Low As; Credit score performance based

Rate History
No change since Sep 14, 2026 · 12.99% APR · checked 9 times
12.49%12.99%13.49%Sep 14, 2026: 12.99% APRSep 14, 2026Oct 31, 2026
Delta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
Signature LoansTerm: 36 Months
13.00%
▼
APR13.00%
Interest Rate13.00%
Term36 Months
Last UpdatedNot available
Details

Published rate range: 13.00% to 18.00%. 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.

Rate History
No change since Sep 14, 2026 · 13.00% APR · checked 10 times
12.50%13.00%13.50%Sep 14, 2026: 13.00% APRSep 14, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Personal Loan - 61-180 MonthsTerm: 61-180 months
13.29%
▼
APR13.29%
Term61-180 months
Last UpdatedNot available
Details

APR as low as; Rates as of Oct 30, 2026 ET; Terms greater than 60 months available for home improvement loans; $25,000 minimum amount financed for 61 to 84 months; $30,000 minimum for amount financed over 84 months

Rate History
No change since Oct 20, 2026 · 13.29% APR · checked 3 times
12.79%13.29%13.79%Oct 20, 2026: 13.29% APROct 20, 2026Oct 31, 2026
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
Unsecured LoanTerm: up to 60 months
13.30%
▼
APR13.30%
Termup to 60 months
Last UpdatedNot available
Details

As Low As; APR = Annual Percentage Rate; With Approved Credit; Rates subject to change without notice

Rate History
No change since Sep 14, 2026 · 13.30% APR · checked 10 times
12.80%13.30%13.80%Sep 14, 2026: 13.30% APRSep 14, 2026Oct 31, 2026
Mississippi DHS Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
Unsecured Signature LoanTerm: 0-60 Months
13.50%
▼
APR13.50%
Term0-60 Months
Last UpdatedNot available
Details

Credit Grade: B (660-699)

Rate History
No change since Sep 18, 2026 · 13.50% APR · checked 6 times
13.00%13.50%14.00%Sep 18, 2026: 13.50% APRSep 18, 2026Oct 31, 2026
CenturyFirst Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.18%
Signature LoansTerm: Up to 60 Months
13.75%
▼
APR13.75%
TermUp to 60 Months
Last UpdatedNot available
Details

As Low As; Credit score performance based

Rate History
No change since Sep 14, 2026 · 13.75% APR · checked 9 times
13.25%13.75%14.25%Sep 14, 2026: 13.75% APRSep 14, 2026Oct 31, 2026
Singing River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
Signature Loans
13.99%
▼
APR13.99%
Interest Rate13.99%
TermN/A
Last UpdatedNot available
Details

Credit Score: 640 - 679; Tier: B

Rate History
No change since Sep 12, 2026 · 13.99% APR · checked 11 times
13.49%13.99%14.49%Sep 12, 2026: 13.99% APRSep 12, 2026Oct 31, 2026
AMPOT Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.03%
Unsecured Loan - CTerm: 36 months
14.00%
▼
APR14.00%
Term36 months
Last UpdatedNot available
Details

Credit Score: 600-639; Max: $3,000

Rate History
No change since Sep 18, 2026 · 14.00% APR · checked 5 times
13.50%14.00%14.50%Sep 18, 2026: 14.00% APRSep 18, 2026Oct 31, 2026
HealthPlus Federal Credit Union
Institution Rating:
F2.0 ★Texas Ratio: 51.07%
Unsecured LoanTerm: Max 36 months
14.99%
▼
APR14.99%
Interest Rate14.99%
TermMax 36 months
Last UpdatedNot available
Details

Credit Rating: C (600-649); Unsecured Limit: $5,000.00

Rate History
No change since Oct 23, 2026 · 14.99% APR · checked 2 times
14.49%14.99%15.49%Oct 23, 2026: 14.99% APROct 23, 2026Oct 31, 2026
Mississippi National Guard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
Signature LoanTerm: 24 Months
15.50%
▼
APR15.50%
Term24 Months
Last UpdatedNot available
Details

Credit Rating: 550-599

Rate History
No change since Sep 17, 2026 · 15.50% APR · checked 11 times
15.00%15.50%16.00%Sep 17, 2026: 15.50% APRSep 17, 2026Oct 31, 2026
Singing River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
Signature Loans
15.99%
▼
APR15.99%
Interest Rate15.99%
TermN/A
Last UpdatedNot available
Details

Credit Score: 600 - 639; Tier: C

Rate History
No change since Sep 12, 2026 · 15.99% APR · checked 11 times
15.49%15.99%16.49%Sep 12, 2026: 15.99% APRSep 12, 2026Oct 31, 2026
AMPOT Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.03%
Unsecured Loan - DTerm: 24 months
16.00%
▼
APR16.00%
Term24 months
Last UpdatedNot available
Details

Credit Score: 550-599; Max: $1,500

Rate History
No change since Sep 18, 2026 · 16.00% APR · checked 5 times
15.50%16.00%16.50%Sep 18, 2026: 16.00% APRSep 18, 2026Oct 31, 2026
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.43%
Unsecured Signature LoanTerm: 1 months
16.25%
▼
APR16.25%
Term1 months
Last UpdatedNot available
Details

Term: (Signature) 01 - 36 Months; Credit Category: C (600 - 619); Effective January 1, 2023

Rate History
No change since Oct 23, 2026 · 16.25% APR · checked 2 times
15.75%16.25%16.75%Oct 23, 2026: 16.25% APROct 23, 2026Oct 31, 2026
HealthPlus Federal Credit Union
Institution Rating:
F2.0 ★Texas Ratio: 51.07%
Unsecured LoanTerm: Max 24 months
16.99%
▼
APR16.99%
Interest Rate16.99%
TermMax 24 months
Last UpdatedNot available
Details

Credit Rating: D (550-599); Unsecured Limit: $2,500.00

Rate History
No change since Oct 23, 2026 · 16.99% APR · checked 2 times
16.49%16.99%17.49%Oct 23, 2026: 16.99% APROct 23, 2026Oct 31, 2026
Mississippi DHS Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
Unsecured Signature LoanTerm: 0-60 Months
17.00%
▼
APR17.00%
Term0-60 Months
Last UpdatedNot available
Details

Credit Grade: C (620-659)

Rate History
No change since Sep 18, 2026 · 17.00% APR · checked 6 times
16.50%17.00%17.50%Sep 18, 2026: 17.00% APRSep 18, 2026Oct 31, 2026
Mississippi Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
Signature LoanTerm: 36 Months
17.00%
▼
APR17.00%
Term36 Months
Last UpdatedNot available
Details

Credit Score: 619 - 600

Rate History
No change since Sep 14, 2026 · 17.00% APR · checked 9 times
16.50%17.00%17.50%Sep 14, 2026: 17.00% APRSep 14, 2026Oct 31, 2026
HealthPlus Federal Credit Union
Institution Rating:
F2.0 ★Texas Ratio: 51.07%
Unsecured LoanTerm: Max 12 months
17.99%
▼
APR17.99%
Interest Rate17.99%
TermMax 12 months
Last UpdatedNot available
Details

Credit Rating: E (549 and under); Unsecured Limit: $1,000.00

Rate History
No change since Oct 23, 2026 · 17.99% APR · checked 2 times
17.49%17.99%18.49%Oct 23, 2026: 17.99% APROct 23, 2026Oct 31, 2026
Singing River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
Signature Loans
17.99%
▼
APR17.99%
Interest Rate17.99%
TermN/A
Last UpdatedNot available
Details

Credit Score: 0 - 599; Tier: D/E

Rate History
No change since Sep 12, 2026 · 17.99% APR · checked 11 times
17.49%17.99%18.49%Sep 12, 2026: 17.99% APRSep 12, 2026Oct 31, 2026
Mississippi DHS Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
Unsecured Signature LoanTerm: 0-60 Months
18.00%
▼
APR18.00%
Term0-60 Months
Last UpdatedNot available
Details

Credit Grade: D (515-619)

Rate History
No change since Sep 18, 2026 · 18.00% APR · checked 6 times
17.50%18.00%18.50%Sep 18, 2026: 18.00% APRSep 18, 2026Oct 31, 2026
Mississippi National Guard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
Signature LoanTerm: 24 Months
18.00%
▼
APR18.00%
Term24 Months
Last UpdatedNot available
Details

Credit Rating: 549 or less

Rate History
No change since Sep 17, 2026 · 18.00% APR · checked 11 times
17.50%18.00%18.50%Sep 17, 2026: 18.00% APRSep 17, 2026Oct 31, 2026
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.43%
Unsecured Non-Qualifying LoanTerm: 1 months
18.00%
▼
APR18.00%
Term1 months
Last UpdatedNot available
Details

Term: (Non-Qualifying) 01-06 Months; Non-Qualifying; Effective January 1, 2023

Rate History
No change since Oct 23, 2026 · 18.00% APR · checked 2 times
17.50%18.00%18.50%Oct 23, 2026: 18.00% APROct 23, 2026Oct 31, 2026
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.43%
Unsecured Signature LoanTerm: 1 months
18.00%
▼
APR18.00%
Term1 months
Last UpdatedNot available
Details

Term: (Signature) 01 - 36 Months; Credit Category: D (= or < 599); Effective January 1, 2023

Rate History
No change since Oct 23, 2026 · 18.00% APR · checked 2 times
17.50%18.00%18.50%Oct 23, 2026: 18.00% APROct 23, 2026Oct 31, 2026
AMPOT Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.03%
Unsecured Loan - ETerm: 12 months
18.00%
▼
APR18.00%
Term12 months
Last UpdatedNot available
Details

Credit Score: Under 549; Max: $1,000

Rate History
No change since Sep 18, 2026 · 18.00% APR · checked 5 times
17.50%18.00%18.50%Sep 18, 2026: 18.00% APRSep 18, 2026Oct 31, 2026
Mississippi Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
Signature LoanTerm: 36 Months
18.00%
▼
APR18.00%
Term36 Months
Last UpdatedNot available
Details

Credit Score: 599 - 515

Rate History
No change since Sep 14, 2026 · 18.00% APR · checked 9 times
17.50%18.00%18.50%Sep 14, 2026: 18.00% APRSep 14, 2026Oct 31, 2026

Newton Personal Loan Rates

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
Personal Loan
6.99%
▼
APR6.99%
TermN/A
Last UpdatedNot available
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 7.49% → 6.99% ▼ 0.50 pts · high 7.49% / low 6.99%
6.49%7.24%7.99%Sep 14, 2026: 7.49% APROct 10, 2026: 6.99% APRSep 14, 2026Oct 31, 2026
  • Oct 10, 20266.99%▼ from 7.49%
  • Sep 14, 20267.49%first recorded
Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.49%
Personal Loan - Household Goods
7.99%
▼
APR7.99%
TermN/A
Last UpdatedNot available
Details

APR range: 7.99% to 15.50%; Limited to 100% of purchase price

Rate History
No change since Oct 23, 2026 · 7.99% APR · checked 2 times
7.49%7.99%8.49%Oct 23, 2026: 7.99% APROct 23, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Personal Loan - Up to 36 MonthsTerm: Up to 36 Months
8.74%
▼
APR8.74%
TermUp to 36 Months
Last UpdatedNot available
Details

APR as low as; Rates as of Oct 30, 2026 ET; Personal Loan rates range from 8.74% to 18.00% APR

Rate History
No change since Oct 20, 2026 · 8.74% APR · checked 3 times
8.24%8.74%9.24%Oct 20, 2026: 8.74% APROct 20, 2026Oct 31, 2026
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Personal Loan - IndividualTerm: Up to 72 Months
8.80%
▼
APR8.80%
TermUp to 72 Months
Last UpdatedNot available
Details

As Low As; Individual; Limit: $500 - $20,000

Rate History
No change since Oct 12, 2026 · 8.80% APR · checked 4 times
8.30%8.80%9.30%Oct 12, 2026: 8.80% APROct 12, 2026Oct 31, 2026
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Personal Loan - JointTerm: Up to 72 Months
8.80%
▼
APR8.80%
TermUp to 72 Months
Last UpdatedNot available
Details

As Low As; Joint; Limit: $500 - $40,000

Rate History
No change since Oct 12, 2026 · 8.80% APR · checked 4 times
8.30%8.80%9.30%Oct 12, 2026: 8.80% APROct 12, 2026Oct 31, 2026
Memorial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
Personal Loans
9.00%
▼
APR9.00%
TermN/A
Last UpdatedNot available
Details

As Low As; Signature Loans, repayment terms up to 60 months, no collateral required; advertised as low as APR, actual APR may differ

Rate History
No change since Sep 14, 2026 · 9.00% APR · checked 11 times
8.50%9.00%9.50%Sep 14, 2026: 9.00% APRSep 14, 2026Oct 31, 2026
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Signature Loans - Personal LoanTerm: Up to 12 months
9.24%
▼
APR9.24%
TermUp to 12 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Oct 13, 2026 · 9.24% APR · checked 4 times
8.74%9.24%9.74%Oct 13, 2026: 9.24% APROct 13, 2026Oct 31, 2026
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
Personal Loan
9.99%
▼
APR9.99%
TermN/A
Last UpdatedNot available
Details

As Low As

Rate History
No change since Sep 16, 2026 · 9.99% APR · checked 9 times
9.49%9.99%10.49%Sep 16, 2026: 9.99% APRSep 16, 2026Oct 31, 2026
Gulf Coast Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
Personal Loan
9.99%
▼
APR9.99%
TermN/A
Last UpdatedNot available
Details

Published APR range: 9.99 - 16.99%. Maximum loan $50,000; terms based on 12 mo. per $1,000 borrowed, 96 months maximum; loans above $35,000 may be financed for 120 months with 5 year balloon; 90 day payment deferral option on most loans; membership eligibility required

Rate History
No change since Oct 15, 2026 · 9.99% APR · checked 3 times
9.49%9.99%10.49%Oct 15, 2026: 9.99% APROct 15, 2026Oct 31, 2026
Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.49%
Personal Loan - Signature
9.99%
▼
APR9.99%
TermN/A
Last UpdatedNot available
Details

APR range: 9.99% to 17.99%; Conditions Vary; other conditions apply

Rate History
No change since Oct 23, 2026 · 9.99% APR · checked 2 times
9.49%9.99%10.49%Oct 23, 2026: 9.99% APROct 23, 2026Oct 31, 2026
1st Mississippi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
Personal Loan - Signature/Unsecured
9.99%
▼
APR9.99%
TermN/A
Last UpdatedNot available
Details

Terms: See a 1st MS Loan Officer; Rates are based on creditworthiness, so your rate may differ

Rate History
No change since Oct 23, 2026 · 9.99% APR · checked 2 times
9.49%9.99%10.49%Oct 23, 2026: 9.99% APROct 23, 2026Oct 31, 2026
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Signature Loans - Personal LoanTerm: Up to 36 months
10.24%
▼
APR10.24%
TermUp to 36 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Oct 13, 2026 · 10.24% APR · checked 4 times
9.74%10.24%10.74%Oct 13, 2026: 10.24% APROct 13, 2026Oct 31, 2026
Members Exchange Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
Unsecured Personal Loan
10.49%
▼
APR10.49%
TermN/A
Last UpdatedNot available
Details

As Low As; APR range: 10.49% - 16.49%; Risk Based; Introductory Rate: N/A

Rate History
No change since Oct 22, 2026 · 10.49% APR · checked 3 times
9.99%10.49%10.99%Oct 22, 2026: 10.49% APROct 22, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Personal Loan - 37-60 MonthsTerm: 37-60 months
10.69%
▼
APR10.69%
Term37-60 months
Last UpdatedNot available
Details

APR as low as; Rates as of Oct 30, 2026 ET; Personal Loan rates range from 8.74% to 18.00% APR; $25,000 minimum amount financed for 61 to 84 months applies to extended terms

Rate History
No change since Oct 20, 2026 · 10.69% APR · checked 3 times
10.19%10.69%11.19%Oct 20, 2026: 10.69% APROct 20, 2026Oct 31, 2026
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
Personal Loan
10.99%
▼
APR10.99%
TermN/A
Last UpdatedNot available
Details

As Low As; New & Used; All loan rates are quoted as the as low as annual percentage rate (APR) and are based on length of loan term and on applicant's credit history.

Rate History
No change since Sep 30, 2026 · 10.99% APR · checked 7 times
10.49%10.99%11.49%Sep 30, 2026: 10.99% APRSep 30, 2026Oct 31, 2026
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Signature Loans - Personal LoanTerm: Up to 60 months
11.24%
▼
APR11.24%
TermUp to 60 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Oct 13, 2026 · 11.24% APR · checked 4 times
10.74%11.24%11.74%Oct 13, 2026: 11.24% APROct 13, 2026Oct 31, 2026
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
Personal LoanTerm: Variable Rate
12.75%
▼
APR12.75%
Interest Rate12.75%
TermVariable Rate
Last UpdatedNot available
Details

As Low As; Variable rate loan; Maximum APR for all variable rate loans is 18%

Rate History
1 change since Sep 14, 2026 · 12.50% → 12.75% ▲ 0.25 pts · high 12.75% / low 12.50%
12.00%12.63%13.25%Sep 14, 2026: 12.50% APROct 4, 2026: 12.75% APRSep 14, 2026Oct 31, 2026
  • Oct 4, 202612.75%▲ from 12.50%
  • Sep 14, 202612.50%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Personal Loan - 61-180 MonthsTerm: 61-180 months
13.29%
▼
APR13.29%
Term61-180 months
Last UpdatedNot available
Details

APR as low as; Rates as of Oct 30, 2026 ET; Terms greater than 60 months available for home improvement loans; $25,000 minimum amount financed for 61 to 84 months; $30,000 minimum for amount financed over 84 months

Rate History
No change since Oct 20, 2026 · 13.29% APR · checked 3 times
12.79%13.29%13.79%Oct 20, 2026: 13.29% APROct 20, 2026Oct 31, 2026

Newton Debt Consolidation Loan Rates

No debt consolidation personal loan rates found in Newton, MS currently.

Newton Signature Loan Rates

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: 0.15%
Signature LoanTerm: 12 Months
6.50%
▼
APR6.50%
Term12 Months
Last UpdatedNot available
Details

Credit Score: 660 and up

Rate History
No change since Sep 14, 2026 · 6.50% APR · checked 9 times
6.00%6.50%7.00%Sep 14, 2026: 6.50% APRSep 14, 2026Oct 31, 2026
Vickswood Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loans
7.00%
▼
APR7.00%
TermN/A
Last UpdatedNot available
Details

As Low As; APR* starts at; Rate based on creditworthiness and term of loan

Rate History
No change since Sep 14, 2026 · 7.00% APR · checked 10 times
6.50%7.00%7.50%Sep 14, 2026: 7.00% APRSep 14, 2026Oct 31, 2026
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
Unsecured / Signature LoanTerm: 48 Months
7.50%
▼
APR7.50%
Term48 Months
Last UpdatedNot available
Details

Rate range: 7.50% - 18.00%; Maximum Amount: 20% of Gross Income - Depends on Credit Score

Rate History
No change since Sep 14, 2026 · 7.50% APR · checked 10 times
7.00%7.50%8.00%Sep 14, 2026: 7.50% APRSep 14, 2026Oct 31, 2026
Pearl Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
Signature Loan
7.50%
▼
APR7.50%
TermN/A
Last UpdatedNot available
Details

As Low As; Rates effective as of 10/01/2024

Rate History
No change since Sep 14, 2026 · 7.50% APR · checked 10 times
7.00%7.50%8.00%Sep 14, 2026: 7.50% APRSep 14, 2026Oct 31, 2026
Mississippi Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
Signature LoanTerm: 36 Months
7.50%
▼
APR7.50%
Term36 Months
Last UpdatedNot available
Details

Credit Score: 660 and up

Rate History
No change since Sep 14, 2026 · 7.50% APR · checked 9 times
7.00%7.50%8.00%Sep 14, 2026: 7.50% APRSep 14, 2026Oct 31, 2026
MUW Employees Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.58%
Signature Loan
7.90%
▼
APR7.90%
TermN/A
Last UpdatedNot available
Details

As Low As; Featured Rates; Rates effective as of 03/01/2025

Rate History
No change since Sep 12, 2026 · 7.90% APR · checked 10 times
7.40%7.90%8.40%Sep 12, 2026: 7.90% APRSep 12, 2026Oct 31, 2026
Ferguson Federal Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.39%
Signature Loans
7.99%
▼
APR7.99%
TermN/A
Last UpdatedNot available
Details

As Low As; APR as low as 7.99%; Actual rates and terms vary based on credit history, loan amount, and collateral.

Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 12 times
7.49%7.99%8.49%Sep 14, 2026: 7.99% APRSep 14, 2026Oct 31, 2026
Mutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
Personal Signature LoanTerm: Up to 72 Months
7.99%
▼
APR7.99%
TermUp to 72 Months
Last UpdatedNot available
Details

As Low As; Listed APR is based on credit qualification. Terms from 1 to 72 months.

Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 11 times
7.49%7.99%8.49%Sep 14, 2026: 7.99% APRSep 14, 2026Oct 31, 2026
Triangle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
Signature LoanTerm: up to 60 Months
8.00%
▼
APR8.00%
Termup to 60 Months
Last UpdatedNot available
Details

Rate range: 8.00% - 17.00%

Rate History
No change since Sep 14, 2026 · 8.00% APR · checked 12 times
7.50%8.00%8.50%Sep 14, 2026: 8.00% APRSep 14, 2026Oct 31, 2026
Mississippi National Guard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
Signature LoanTerm: 24 Months
8.00%
▼
APR8.00%
Term24 Months
Last UpdatedNot available
Details

Credit Rating: 730 & above

Rate History
No change since Sep 17, 2026 · 8.00% APR · checked 11 times
7.50%8.00%8.50%Sep 17, 2026: 8.00% APRSep 17, 2026Oct 31, 2026
Mississippi Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
Signature LoanTerm: 12 Months
8.00%
▼
APR8.00%
Term12 Months
Last UpdatedNot available
Details

Credit Score: 659 - 620

Rate History
No change since Sep 14, 2026 · 8.00% APR · checked 9 times
7.50%8.00%8.50%Sep 14, 2026: 8.00% APRSep 14, 2026Oct 31, 2026
Ferguson Federal Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.39%
Signature Loans
8.24%
▼
APR8.24%
TermN/A
Last UpdatedNot available
Details

As Low As; APR as low as; Personal Loan Rates table

Rate History
2 changes since Sep 14, 2026 · 7.99% → 8.24% ▲ 0.25 pts · high 8.24% / low 7.99%
7.49%8.12%8.74%Sep 14, 2026: 7.99% APROct 5, 2026: 8.14% APROct 23, 2026: 8.24% APRSep 14, 2026Oct 31, 2026
  • Oct 23, 20268.24%▲ from 8.14%
  • Oct 5, 20268.14%▲ from 7.99%
  • Sep 14, 20267.99%first recorded
Meridian Mutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
Signature Loans
8.49%
▼
APR8.49%
TermN/A
Last UpdatedNot available
Details

As Low As; Rates as low as 8.49% APR; Rate subject to creditworthiness and approval; Rates effective as of June 1, 2024; Up to 3 years for repayment

Rate History
No change since Sep 12, 2026 · 8.49% APR · checked 11 times
7.99%8.49%8.99%Sep 12, 2026: 8.49% APRSep 12, 2026Oct 31, 2026
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.43%
Unsecured Signature LoanTerm: 1 months
8.75%
▼
APR8.75%
Term1 months
Last UpdatedNot available
Details

Term: (Signature) 01 - 36 Months; Credit Category: A+ (= or > 725); Effective January 1, 2023

Rate History
No change since Oct 23, 2026 · 8.75% APR · checked 2 times
8.25%8.75%9.25%Oct 23, 2026: 8.75% APROct 23, 2026Oct 31, 2026
Mississippi National Guard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
Signature LoanTerm: 24 Months
9.00%
▼
APR9.00%
Term24 Months
Last UpdatedNot available
Details

Credit Rating: 680-729

Rate History
No change since Sep 17, 2026 · 9.00% APR · checked 11 times
8.50%9.00%9.50%Sep 17, 2026: 9.00% APRSep 17, 2026Oct 31, 2026
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Signature Loans - Personal LoanTerm: Up to 12 months
9.24%
▼
APR9.24%
TermUp to 12 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Oct 13, 2026 · 9.24% APR · checked 4 times
8.74%9.24%9.74%Oct 13, 2026: 9.24% APROct 13, 2026Oct 31, 2026
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.43%
Unsecured Signature LoanTerm: 1 months
9.75%
▼
APR9.75%
Term1 months
Last UpdatedNot available
Details

Term: (Signature) 01 - 36 Months; Credit Category: A (660 - 724); Effective January 1, 2023

Rate History
No change since Oct 23, 2026 · 9.75% APR · checked 2 times
9.25%9.75%10.25%Oct 23, 2026: 9.75% APROct 23, 2026Oct 31, 2026
Magnolia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Signature Loans - Unsecured LoansTerm: Up to 60 Months
9.95%
▼
APR9.95%
TermUp to 60 Months
Last UpdatedNot available
Details

APR range: 9.95% - 18.00%; Daily Periodic Rate: 0.0245% - 0.0493%

Rate History
No change since Oct 22, 2026 · 9.95% APR · checked 3 times
9.45%9.95%10.45%Oct 22, 2026: 9.95% APROct 22, 2026Oct 31, 2026
Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.49%
Personal Loan - Signature
9.99%
▼
APR9.99%
TermN/A
Last UpdatedNot available
Details

APR range: 9.99% to 17.99%; Conditions Vary; other conditions apply

Rate History
No change since Oct 23, 2026 · 9.99% APR · checked 2 times
9.49%9.99%10.49%Oct 23, 2026: 9.99% APROct 23, 2026Oct 31, 2026
Waters Edge Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.36%
Signature loanTerm: Up to 4 years
9.99%
▼
APR9.99%
Interest Rate9.99%
TermUp to 4 years
Last UpdatedNot available
Details

As Low As; Low Interest Loans

Rate History
No change since Sep 12, 2026 · 9.99% APR · checked 11 times
9.49%9.99%10.49%Sep 12, 2026: 9.99% APRSep 12, 2026Oct 31, 2026
Singing River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
Signature Loans
9.99%
▼
APR9.99%
Interest Rate9.99%
TermN/A
Last UpdatedNot available
Details

Credit Score: 760 +; Tier: A++

Rate History
No change since Sep 12, 2026 · 9.99% APR · checked 11 times
9.49%9.99%10.49%Sep 12, 2026: 9.99% APRSep 12, 2026Oct 31, 2026
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
Personal Signature Loan
9.99%
▼
APR9.99%
TermN/A
Last UpdatedNot available
Details

Range: 9.99% - 15.99%; Rate based on creditworthiness and term of loan

Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 11 times
9.49%9.99%10.49%Sep 14, 2026: 9.99% APRSep 14, 2026Oct 31, 2026
1st Mississippi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
Personal Loan - Signature/Unsecured
9.99%
▼
APR9.99%
TermN/A
Last UpdatedNot available
Details

Terms: See a 1st MS Loan Officer; Rates are based on creditworthiness, so your rate may differ

Rate History
No change since Oct 23, 2026 · 9.99% APR · checked 2 times
9.49%9.99%10.49%Oct 23, 2026: 9.99% APROct 23, 2026Oct 31, 2026
Mississippi Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
Signature LoanTerm: 36 Months
10.00%
▼
APR10.00%
Term36 Months
Last UpdatedNot available
Details

Credit Score: 659 - 620

Rate History
No change since Sep 14, 2026 · 10.00% APR · checked 9 times
9.50%10.00%10.50%Sep 14, 2026: 10.00% APRSep 14, 2026Oct 31, 2026
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Signature Loans - Personal LoanTerm: Up to 36 months
10.24%
▼
APR10.24%
TermUp to 36 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Oct 13, 2026 · 10.24% APR · checked 4 times
9.74%10.24%10.74%Oct 13, 2026: 10.24% APROct 13, 2026Oct 31, 2026
CenturyFirst Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.18%
Signature LoansTerm: Up to 24 Months
10.25%
▼
APR10.25%
TermUp to 24 Months
Last UpdatedNot available
Details

As Low As; Credit score performance based

Rate History
No change since Sep 14, 2026 · 10.25% APR · checked 9 times
9.75%10.25%10.75%Sep 14, 2026: 10.25% APRSep 14, 2026Oct 31, 2026
Statewide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
Signature LoanTerm: Up to 36 Months
10.45%
▼
APR10.45%
TermUp to 36 Months
Last UpdatedNot available
Details

APR range: 10.45% - 18.00%; Subject to credit approval

Rate History
No change since Sep 12, 2026 · 10.45% APR · checked 9 times
9.95%10.45%10.95%Sep 12, 2026: 10.45% APRSep 12, 2026Oct 31, 2026
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
Signature Loans
10.49%
▼
APR10.49%
TermN/A
Last UpdatedNot available
Details

As Low As; Est. monthly payment approximately49% APR for 36 months

Rate History
No change since Oct 12, 2026 · 10.49% APR · checked 4 times
9.99%10.49%10.99%Oct 12, 2026: 10.49% APROct 12, 2026Oct 31, 2026
Rivertrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
Signature LoansTerm: 24 - 60 months
10.50%
▼
APR10.50%
Interest Rate10.50%
Term24 - 60 months
Last UpdatedNot available
Details

Published APR range: 10.50%-18.00%; Published rate range: 10.50%-18.00%. All quoted loan rates are APR rates

Rate History
No change since Sep 25, 2026 · 10.50% APR · checked 7 times
10.00%10.50%11.00%Sep 25, 2026: 10.50% APRSep 25, 2026Oct 31, 2026
Mississippi National Guard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
Signature LoanTerm: 24 Months
10.50%
▼
APR10.50%
Term24 Months
Last UpdatedNot available
Details

Credit Rating: 640-679

Rate History
No change since Sep 17, 2026 · 10.50% APR · checked 11 times
10.00%10.50%11.00%Sep 17, 2026: 10.50% APRSep 17, 2026Oct 31, 2026
Southern Coastal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
Personal Signature Loan
10.95%
▼
APR10.95%
TermN/A
Last UpdatedNot available
Details

As Low As; APR* as low as; Loan Rates

Rate History
No change since Sep 14, 2026 · 10.95% APR · checked 10 times
10.45%10.95%11.45%Sep 14, 2026: 10.95% APRSep 14, 2026Oct 31, 2026
Singing River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
Signature Loans
10.99%
▼
APR10.99%
Interest Rate10.99%
TermN/A
Last UpdatedNot available
Details

Credit Score: 720 - 759; Tier: A+

Rate History
No change since Sep 12, 2026 · 10.99% APR · checked 11 times
10.49%10.99%11.49%Sep 12, 2026: 10.99% APRSep 12, 2026Oct 31, 2026
Mississippi DHS Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
Unsecured Signature LoanTerm: 0-60 Months
11.00%
▼
APR11.00%
Term0-60 Months
Last UpdatedNot available
Details

Credit Grade: A+ (750+)

Rate History
No change since Sep 18, 2026 · 11.00% APR · checked 6 times
10.50%11.00%11.50%Sep 18, 2026: 11.00% APRSep 18, 2026Oct 31, 2026
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Signature Loans - Personal LoanTerm: Up to 60 months
11.24%
▼
APR11.24%
TermUp to 60 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Oct 13, 2026 · 11.24% APR · checked 4 times
10.74%11.24%11.74%Oct 13, 2026: 11.24% APROct 13, 2026Oct 31, 2026
Mississippi DHS Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
Unsecured Signature LoanTerm: 0-60 Months
11.50%
▼
APR11.50%
Term0-60 Months
Last UpdatedNot available
Details

Credit Grade: A (700-749)

Rate History
No change since Sep 18, 2026 · 11.50% APR · checked 6 times
11.00%11.50%12.00%Sep 18, 2026: 11.50% APRSep 18, 2026Oct 31, 2026
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.43%
Unsecured Signature LoanTerm: 1 months
11.75%
▼
APR11.75%
Term1 months
Last UpdatedNot available
Details

Term: (Signature) 01 - 36 Months; Credit Category: B (620 - 659); Effective January 1, 2023

Rate History
No change since Oct 23, 2026 · 11.75% APR · checked 2 times
11.25%11.75%12.25%Oct 23, 2026: 11.75% APROct 23, 2026Oct 31, 2026
Singing River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
Signature Loans
11.99%
▼
APR11.99%
Interest Rate11.99%
TermN/A
Last UpdatedNot available
Details

Credit Score: 680 - 719; Tier: A

Rate History
No change since Sep 12, 2026 · 11.99% APR · checked 11 times
11.49%11.99%12.49%Sep 12, 2026: 11.99% APRSep 12, 2026Oct 31, 2026
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
Signature Loans
12.24%
▼
APR12.24%
TermN/A
Last UpdatedNot available
Details

As Low As; Amount: $1,500 minimum; 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

Rate History
No change since Sep 14, 2026 · 12.24% APR · checked 10 times
11.74%12.24%12.74%Sep 14, 2026: 12.24% APRSep 14, 2026Oct 31, 2026
CenturyFirst Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.18%
Signature LoansTerm: Up to 36 Months
12.25%
▼
APR12.25%
TermUp to 36 Months
Last UpdatedNot available
Details

As Low As; Credit score performance based

Rate History
No change since Sep 14, 2026 · 12.25% APR · checked 9 times
11.75%12.25%12.75%Sep 14, 2026: 12.25% APRSep 14, 2026Oct 31, 2026
Mississippi National Guard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
Signature LoanTerm: 24 Months
12.50%
▼
APR12.50%
Term24 Months
Last UpdatedNot available
Details

Credit Rating: 600-639

Rate History
No change since Sep 17, 2026 · 12.50% APR · checked 11 times
12.00%12.50%13.00%Sep 17, 2026: 12.50% APRSep 17, 2026Oct 31, 2026
CenturyFirst Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.18%
Signature LoansTerm: Up to 48 Months
12.99%
▼
APR12.99%
TermUp to 48 Months
Last UpdatedNot available
Details

As Low As; Credit score performance based

Rate History
No change since Sep 14, 2026 · 12.99% APR · checked 9 times
12.49%12.99%13.49%Sep 14, 2026: 12.99% APRSep 14, 2026Oct 31, 2026
Delta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
Signature LoansTerm: 36 Months
13.00%
▼
APR13.00%
Interest Rate13.00%
Term36 Months
Last UpdatedNot available
Details

Published rate range: 13.00% to 18.00%. 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.

Rate History
No change since Sep 14, 2026 · 13.00% APR · checked 10 times
12.50%13.00%13.50%Sep 14, 2026: 13.00% APRSep 14, 2026Oct 31, 2026
Mississippi DHS Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
Unsecured Signature LoanTerm: 0-60 Months
13.50%
▼
APR13.50%
Term0-60 Months
Last UpdatedNot available
Details

Credit Grade: B (660-699)

Rate History
No change since Sep 18, 2026 · 13.50% APR · checked 6 times
13.00%13.50%14.00%Sep 18, 2026: 13.50% APRSep 18, 2026Oct 31, 2026
CenturyFirst Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.18%
Signature LoansTerm: Up to 60 Months
13.75%
▼
APR13.75%
TermUp to 60 Months
Last UpdatedNot available
Details

As Low As; Credit score performance based

Rate History
No change since Sep 14, 2026 · 13.75% APR · checked 9 times
13.25%13.75%14.25%Sep 14, 2026: 13.75% APRSep 14, 2026Oct 31, 2026
Singing River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
Signature Loans
13.99%
▼
APR13.99%
Interest Rate13.99%
TermN/A
Last UpdatedNot available
Details

Credit Score: 640 - 679; Tier: B

Rate History
No change since Sep 12, 2026 · 13.99% APR · checked 11 times
13.49%13.99%14.49%Sep 12, 2026: 13.99% APRSep 12, 2026Oct 31, 2026
Mississippi National Guard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
Signature LoanTerm: 24 Months
15.50%
▼
APR15.50%
Term24 Months
Last UpdatedNot available
Details

Credit Rating: 550-599

Rate History
No change since Sep 17, 2026 · 15.50% APR · checked 11 times
15.00%15.50%16.00%Sep 17, 2026: 15.50% APRSep 17, 2026Oct 31, 2026
Singing River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
Signature Loans
15.99%
▼
APR15.99%
Interest Rate15.99%
TermN/A
Last UpdatedNot available
Details

Credit Score: 600 - 639; Tier: C

Rate History
No change since Sep 12, 2026 · 15.99% APR · checked 11 times
15.49%15.99%16.49%Sep 12, 2026: 15.99% APRSep 12, 2026Oct 31, 2026
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.43%
Unsecured Signature LoanTerm: 1 months
16.25%
▼
APR16.25%
Term1 months
Last UpdatedNot available
Details

Term: (Signature) 01 - 36 Months; Credit Category: C (600 - 619); Effective January 1, 2023

Rate History
No change since Oct 23, 2026 · 16.25% APR · checked 2 times
15.75%16.25%16.75%Oct 23, 2026: 16.25% APROct 23, 2026Oct 31, 2026
Mississippi DHS Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
Unsecured Signature LoanTerm: 0-60 Months
17.00%
▼
APR17.00%
Term0-60 Months
Last UpdatedNot available
Details

Credit Grade: C (620-659)

Rate History
No change since Sep 18, 2026 · 17.00% APR · checked 6 times
16.50%17.00%17.50%Sep 18, 2026: 17.00% APRSep 18, 2026Oct 31, 2026
Mississippi Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
Signature LoanTerm: 36 Months
17.00%
▼
APR17.00%
Term36 Months
Last UpdatedNot available
Details

Credit Score: 619 - 600

Rate History
No change since Sep 14, 2026 · 17.00% APR · checked 9 times
16.50%17.00%17.50%Sep 14, 2026: 17.00% APRSep 14, 2026Oct 31, 2026
Singing River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
Signature Loans
17.99%
▼
APR17.99%
Interest Rate17.99%
TermN/A
Last UpdatedNot available
Details

Credit Score: 0 - 599; Tier: D/E

Rate History
No change since Sep 12, 2026 · 17.99% APR · checked 11 times
17.49%17.99%18.49%Sep 12, 2026: 17.99% APRSep 12, 2026Oct 31, 2026
Mississippi DHS Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
Unsecured Signature LoanTerm: 0-60 Months
18.00%
▼
APR18.00%
Term0-60 Months
Last UpdatedNot available
Details

Credit Grade: D (515-619)

Rate History
No change since Sep 18, 2026 · 18.00% APR · checked 6 times
17.50%18.00%18.50%Sep 18, 2026: 18.00% APRSep 18, 2026Oct 31, 2026
Mississippi National Guard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
Signature LoanTerm: 24 Months
18.00%
▼
APR18.00%
Term24 Months
Last UpdatedNot available
Details

Credit Rating: 549 or less

Rate History
No change since Sep 17, 2026 · 18.00% APR · checked 11 times
17.50%18.00%18.50%Sep 17, 2026: 18.00% APRSep 17, 2026Oct 31, 2026
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.43%
Unsecured Signature LoanTerm: 1 months
18.00%
▼
APR18.00%
Term1 months
Last UpdatedNot available
Details

Term: (Signature) 01 - 36 Months; Credit Category: D (= or < 599); Effective January 1, 2023

Rate History
No change since Oct 23, 2026 · 18.00% APR · checked 2 times
17.50%18.00%18.50%Oct 23, 2026: 18.00% APROct 23, 2026Oct 31, 2026
Mississippi Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
Signature LoanTerm: 36 Months
18.00%
▼
APR18.00%
Term36 Months
Last UpdatedNot available
Details

Credit Score: 599 - 515

Rate History
No change since Sep 14, 2026 · 18.00% APR · checked 9 times
17.50%18.00%18.50%Sep 14, 2026: 18.00% APRSep 14, 2026Oct 31, 2026

Newton, MS Personal Loan Rate Trends

Compare local Newton, 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.

View Full Mississippi Personal Loan Trends
Personal Loan MS Avg
10.571%
▼ 0.065 vs 7 days ago

Mississippi personal loan rates fell 0.065 points over the past 7 days to 10.571% APR.

Signature Loan MS Avg
10.268%
▲ 0.033 vs 7 days ago

Mississippi signature loan rates rose 0.033 points over the past 7 days to 10.268% APR.

As of Oct 31, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered byMonitorBankRates

Newton, MS Personal Loan Rate Forecast, Next 12 Months

Personal loan APRs follow lender funding costs and credit conditions. Our model projects the likely path of personal and signature loan averages from the current Mississippi figures.

Current Personal Loan Avg
10.57%
APR, as of Oct 31, 2026
6-Month Forecast
10.65%
Fed hold assumed
12-Month Forecast
10.72%
Range: 10.37% to 10.92%
Forecast Methodology & Assumptions

Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; unsecured lenders reprice new offers within one to two policy cycles, and advertised as-low-as rates move before average approved rates do.

Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.

Powered byMonitorBankRates

What Would Your Monthly Payment Be?

Estimated monthly payments at the current MS average personal loan APR of 10.57%, across the terms lenders serving Newton, Mississippi most commonly offer. Personal loans are fixed-rate and fully amortizing, so the payment never changes and the balance reaches zero on schedule.

Loan Amount 24 Months 36 Months 48 Months 60 Months
$5,000 $232.04/mo $162.68/mo $128.19/mo $107.64/mo
$10,000 $464.09/mo $325.36/mo $256.38/mo $215.29/mo
$15,000 $696.13/mo $488.04/mo $384.56/mo $322.93/mo
$25,000 $1,160.22/mo $813.40/mo $640.94/mo $538.22/mo
$35,000 $1,624.31/mo $1,138.75/mo $897.32/mo $753.51/mo

Principal and interest only. Does not include any origination fee, which some lenders deduct from your loan proceeds. Your APR depends on credit score, income, loan amount, term, and lender underwriting.

Powered byMonitorBankRates

Consolidating Credit Card Debt in Newton, Mississippi

Debt consolidation is the most common reason people take a personal loan, and the math is usually straightforward: credit cards carry variable double-digit APRs, while a personal loan locks in a fixed rate and a fixed payoff date. Below is the total interest on a $15,000 balance repaid over 48 months at the MS personal loan average versus a range of typical credit card APRs.

Repayment Option APR Monthly Payment Total Interest Interest Saved
Personal Loan (MS average) 10.57% $384.56 $3,459
Credit card at 18% APR 18.00% $440.62 $6,150 $2,691
Credit card at 22% APR 22.00% $472.59 $7,684 $4,225
Credit card at 26% APR 26.00% $505.76 $9,276 $5,817

The 18%, 22%, and 26% figures are illustrative points across the range card issuers commonly charge, not a published average. Check your own statement for your actual APR, then use the calculator below to run your real numbers. This comparison assumes a fixed 48-month payoff in both cases; paying only the card minimum would stretch the timeline and raise interest substantially. Consolidation only helps if you avoid rebuilding a balance on the paid-off cards.

How to Get the Best Personal Loan Rate in Newton, Mississippi

1

Prequalify With a Soft Credit Check

Most lenders serving Newton, Mississippi will show you an estimated APR using a soft inquiry that does not touch your credit score. Prequalify with several before formally applying. The advertised rate is the best-qualified rate, and the number you personally receive can differ by many percentage points.

2

Compare APR, Not the Interest Rate

Origination fees run as high as 10% of the amount borrowed and come straight out of your proceeds, so a loan with a lower interest rate can cost more than one with a higher rate and no fee. APR folds the fee in, which makes it the only number worth comparing across lenders.

3

Check Local Credit Unions First

Credit unions consistently publish the lowest personal loan APRs in our Mississippi data, and many charge no origination fee. Membership is usually easier than expected; many accept anyone who lives, works, or worships in the area. Federal credit unions are also capped by regulation on what they may charge.

4

Borrow Only What You Need, for as Short a Term as You Can

Lenders often price longer terms at higher APRs, so a 60-month loan can cost more per dollar borrowed than a 36-month loan on top of accruing interest for longer. Take the shortest term whose payment comfortably fits your budget, and resist rounding the amount up.

A personal loan may not be the cheapest option for your situation

Newton, Mississippi Financial Snapshot

Local demographics and economic context for borrowers. Source: U.S. Census Bureau

$31,351
Median Individual Earnings
National avg: $47,340
6.4%
Unemployment Rate
National avg: 4.8%
29.4%
Poverty Rate
National avg: 11.1%
$385/mo
Payment on a $15K / 48-mo Loan
At the MS average 10.57% APR

A $385 monthly loan payment is roughly 14.7% of the median individual income in Newton, Mississippi. Lenders generally want your total monthly debt payments, including housing, to stay under roughly 36% of gross income, so consider the new payment alongside everything you already owe.

Personal Loan vs. Other Ways to Borrow

A personal loan is fast and requires no collateral, but it is not always the cheapest way to borrow. Here is how it compares to the main alternatives available to borrowers in Newton, Mississippi.

Feature Personal Loan Credit Card 0% Balance Transfer Home Equity Loan / HELOC
Typical APR Level ● Mid, fixed ✗ Highest, variable ✓ 0% for a promo window ✓ Usually lowest
Collateral Required ✓ None ✓ None ✓ None ✗ Your home is at risk
Payment Predictability ✓ Fixed payment and payoff date ✗ Revolving, can last indefinitely ● Rate jumps when promo ends ● Fixed for loans, variable for HELOCs
Speed to Funding ✓ Often 1 to 3 business days ✓ Immediate if you hold the card ● Card approval plus transfer time ✗ Weeks (appraisal and closing)
Upfront Costs ● Origination fee up to ~10% ✓ None ● Transfer fee, typically 3 to 5% ● Closing costs possible
Best For Consolidation and one-off costs, no collateral Small balances paid in full monthly Debt you can clear inside the promo window Large projects when you have equity and time

General comparison for educational purposes; terms, eligibility, and pricing vary by lender and borrower credit profile. Borrowing against your home converts unsecured debt into secured debt; missed payments can put the property at risk. MonitorBankRates is not a lender or financial advisor.

Personal Loan Payment Calculator

Estimate your monthly payment, total interest, and what an origination fee actually costs you. We’ve prefilled the APR with the current MS average, or click any rate on the right to apply it instantly.

$
%
%
Current Rates: Click to Apply
$0
Estimated Monthly Payment
Total Interest Paid$0
Total of All Payments$0
Origination Fee$0
Cash You Actually Receive$0
Total Cost of Borrowing$0

Estimates assume a fixed-rate, fully amortizing loan with equal monthly payments and no prepayment. “Cash you actually receive” subtracts any origination fee deducted from proceeds; you still repay, and pay interest on, the full loan amount. Advertised APRs typically require strong credit; your approved rate may differ. This tool is for illustration and is not a loan offer.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Newton, 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 Newton, 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 Newton, 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.

Personal Loans for Bad Credit in Newton, Mississippi

A FICO score below 580 is considered poor and 580 to 669 is fair. You can still get a personal loan with bad credit, but expect an APR well above the best rates on this page, a smaller loan amount, or a request for collateral or a cosigner. Where you apply matters as much as your score.

Avg. personal loan APR we track: 11.14%Federal credit union cap: 18% APRCredit union PAL cap: 28% APR

Start With a Credit Union

Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027. Many weigh your income and membership history, not just your score.

Ask About a Payday Alternative Loan

Many federal credit unions offer PALs for small, short term needs, capped at 28% APR with an application fee of no more than $20. That is a fraction of what a payday lender charges.

Secure the Loan With Savings

A share secured or CD secured loan uses your own savings as collateral, so approval is easy and the APR is low. On time payments are reported to the credit bureaus and help rebuild your score.

Add a Cosigner or Co-borrower

A second applicant with stronger credit can lower your rate and raise the amount you qualify for. They are equally responsible for every payment.

Prequalify Before You Apply

Most lenders show an estimated rate with a soft credit check that does not affect your score. Compare APRs, including any origination fee, before you submit a full application.

Avoid Payday and Title Loans

The CFPB notes a typical payday fee of $15 per $100 equals an APR of almost 400% on a two week loan. A title loan puts your car at risk. A credit union loan costs far less.

See Personal Loans for Bad Credit

Frequently Asked Questions

What are personal loan rates in Newton, Mississippi today?

Newton, Mississippi personal loan rates from lenders serving Mississippi range from 6.50% to 18.00% APR, verified by MonitorBankRates as of October 31, 2026. Personal loan rates today include 6.50% APR at Mississippi Public Employees Credit Union (Signature Loan), 6.99% at Baxter Credit Union (Personal Loan) and 7.00% at Vickswood Federal Credit Union (Signature Loans), compared with the MonitorBankRates national personal loan average of 11.14% APR.

What credit score do I need for a personal loan in Newton, Mississippi?

Most lenders in Newton, 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 Newton, 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 Newton, Mississippi?

Yes. Debt consolidation is one of the most common uses of personal loans in Newton, 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 Newton, Mississippi?

Credit unions in Newton, 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 is an origination fee on a personal loan?

An origination fee is a one-time charge some lenders deduct from your loan proceeds, commonly 1% to 10% of the amount borrowed. On a $15,000 loan a 5% fee means you receive $14,250 but still owe interest on the full $15,000. The fee is built into the APR but not the interest rate, so compare lenders serving Newton, Mississippi on APR. Many credit unions charge no origination fee at all.

Does checking personal loan rates hurt my credit score?

Prequalifying does not. Most lenders let you check an estimated rate with a soft credit inquiry that is invisible to other lenders and does not affect your score. Only a formal application triggers a hard inquiry. If you submit several full applications, group them within a short shopping window so credit scoring models treat them as one rate-shopping event.

Can I pay off a personal loan early?

Most personal loans from banks and credit unions serving Newton, Mississippi carry no prepayment penalty, so paying early reduces your total interest. Confirm before signing, because a small number of lenders charge a prepayment fee or use precomputed interest, which removes the benefit of paying ahead of schedule.

Can I get a personal loan with bad credit in Newton, Mississippi?

Yes. Credit unions, community banks, and some online lenders approve borrowers with fair or poor credit, often for smaller amounts or with a cosigner or collateral. A secured loan backed by your savings or a CD is the easiest approval and also helps rebuild your credit.

What is the maximum APR on a bad credit personal loan from a credit union?

Federal credit unions are limited to 18% APR on most loans through September 10, 2027. Payday alternative loans from federal credit unions are capped at 28% APR with an application fee of no more than $20. State chartered credit unions follow state law, and other lenders can charge much more, so always compare the APR.

What are the best personal loan rates in Newton, Mississippi?

  • Mississippi Public Employees Credit Union: 6.50% (Signature Loan)
  • Baxter Credit Union: 6.99% (Personal Loan)
  • Vickswood Federal Credit Union: 7.00% (Signature Loans)
  • Hope Federal Credit Union Jackson, MS: 7.50% (Unsecured / Signature Loan)
  • Pearl Municipal Federal Credit Union: 7.50% (Signature Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Newton, Mississippi. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: October 31, 2026.

Newton, Mississippi Rates & Resources