Best Credit Builder Loans in Mississippi

Published: 30 January 2024

Author: Noah Gomez 

Finding the right credit builder loan takes time and effort, and sometimes local institutions offer better terms than national offers. In Mississippi, we looked at over 30 banks, credit union, and online providers to find the most cost-effective and quality options in the market.

Best Overall

Mississippi Public Employees Credit Union

Avg. Principal: $500
Avg. APR: 3%
Avg. Length: 36 months

Mississippi Public Employees CU's credit builder offers 5.79% interest (3% APR) on average, which is competitive even on a national scale, for an accessible $500 in principal from 1 — 3 years. It's also available to more locals than other credit unions, such as Triangle Federal.

Best from Bank (Physical)

BankPlus

Avg. Principal: $750
Avg. APR: 5.07%
Avg. Length: 18 months

Best from Credit Union

Mississippi Public Employees Credit Union

Avg. Principal: $500
Avg. APR: 3%
Avg. Length: 36 months

Best from Digital Lender

Ava

Avg. Principal: $252
Avg. APR: 2%
Avg. Length: 12 months

Best Mississippi-Only Credit Builder Loans

Best Multi-State Credit Builder Loans Available in Mississippi

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