Is 1st Mississippi FCU Personal Loans the right fit for you?
Last Updated: 04/18/2025
1st Mississippi FCU Personal Loans
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Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
9.99%(Verified 08/14/2024)
Amount Range
Up to $35,000
Loan Term (Months)
N/A
1st Mississippi FCU Personal Loans Review
1st Mississippi FCU Personal Loans is offered by 1st Mississippi Federal Credit Union, a credit union founded in 1972 and based in Meridian, MS. 1st Mississippi FCU Personal Loans are available in 50 states, 5 US territories, and Washington, DC.
Key Takeaways
- APRs starting at 9.99%. Personal loan interest rates typically range between 9% and 36%. The starting rates for 1st Mississippi FCU Personal Loans are on the lower end of the spectrum.
- Cosigner and coborrower applications accepted. A cosigner or coborrower can help you qualify for better rates and terms when applying for 1st Mississippi FCU Personal Loans.
1st Mississippi FCU Personal Loans Pros & Cons
| Pros | Cons |
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1st Mississippi FCU Personal Loans FAQ
What interest rates and personal loan terms does 1st Mississippi FCU Personal Loans offer?
What interest rates does 1st Mississippi FCU Personal Loans offer?
1st Mississippi FCU Personal Loans offers a fixed APR personal loan product of 9.99%.
| Personal Loan Amount | up to $35000.00 |
| Loan Term | N/A |
| APR | 9.99% |
What fees does 1st Mississippi FCU Personal Loans charge?
Does 1st Mississippi FCU Personal Loans charge an origination fee?
1st Mississippi FCU Personal Loans may charge a personal loan origination fee .
Does 1st Mississippi FCU Personal Loans charge a late fee?
1st Mississippi FCU Personal Loans does not disclose whether it charges late payment fees.
Does 1st Mississippi FCU Personal Loans charge prepayment fees?
No, 1st Mississippi FCU Personal Loans does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.
| Origination Fee | No |
| Prepayment Fee | No |
| Late Payment Fee | No |
What do you need to qualify for 1st Mississippi FCU Personal Loans?
1st Mississippi FCU Personal Loans does not require or does not disclose a credit score minimum. The minimum age to be eligible is 18 or the state minimum, whichever is higher. 1st Mississippi FCU Personal Loans does not have or does not disclose a minimum annual income eligibility requirement. Note that borrowers can add a cosigner or a co-borrower to either meet eligibility requirements or qualify for lower interest rates.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by 1st Mississippi FCU Personal Loans.
To qualify, applicants may need to provide the following documentation:
- Driver's license or other government photo ID
- Government issued photo ID
- Proof of identity
| Minimum Age | 18 |
| Bank Account Required? | No |
| Application Types Accepted |
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| Credit Score | N/A |
Does 1st Mississippi FCU Personal Loans report your account activity to credit bureaus?
Yes, 1st Mississippi FCU Personal Loans reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does 1st Mississippi Federal Credit Union perform a hard credit pull?
Yes, 1st Mississippi FCU Personal Loans performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
Are 1st Mississippi FCU Personal Loans legit?
1st Mississippi Federal Credit Union was founded in 1972, it is a well-established company that has been in business for 54 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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Hours of Operation
SundayClosedMonday8:30AM - 5:00PMTuesday8:30AM - 5:00PMWednesday8:30AM - 5:00PMThursday8:30AM - 5:00PMFriday8:30AM - 5:00PMSaturdayClosed
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