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Personal Loans

Bright­en the path to achiev­ing your goals! This ​‘every­thing loan’ offers financ­ing for vir­tu­al­ly any­thing with finan­cial flex­i­bil­i­ty. Whether you’re look­ing to kick­start a per­son­al project, con­sol­i­date debt, make home improve­ments, finance a vaca­tion or health­care — we have you cov­ered. Get the funds you need at an afford­able rate.

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Features

  • Finance Vir­tu­al­ly Any­thing
    Finance a vaca­tion, health­care & med­ical expens­es, cos­met­ic expens­es, remod­el your home, put in a pool, con­sol­i­date debt, make a major pur­chase — and more! What­ev­er your goal may be, we have you cov­ered.
  • Fast Cash, Afford­able Rate
    Finance any­thing from $500 at a low­er rate — with afford­able month­ly pay­ments. Apply­ing is fast and easy!
  • Debt Pro­tec­tion
    Life, Dis­abil­i­ty, & Unem­ploy­ment options available. 

Personal Loan Rates

TermLimitAPR as low as
Individual - Up to 72 Months $500 - $20,000 8.795%
Joint - Up to 72 Months $500 - $40,000 8.795%

APR means Annu­al Per­cent­age Rate. The rates list­ed above are the low­est rates pos­si­ble. All rates are based on an eval­u­a­tion of cred­it his­to­ry, so your actu­al rate may dif­fer. Sub­ject to cred­it, under­writ­ing cri­te­ria and guide­lines do apply. Rates can change at any time.

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The Everything Loan

Finance Virtually Anything

Vaca­tion, home remod­el, wed­ding, med­ical expens­es & more. You name it, we’ll help.

Avoid Higher Payments and Fees

Avoid pay­ing the high cost of orig­i­na­tion fees from oth­er finan­cial institutions.

Fast Cash for A Brighter Path

From $500 up to $20,000, get the funds you need at a pay­ment you can afford.

Applying is Easy and Speedy

Start and fin­ish the entire appli­ca­tion process with­out ever hav­ing to come to a branch.

A Brighter Way to Pay Sunbelt Loan, Different Bank Account

Make a pay­ment to your Sun­belt loan from an account at a dif­fer­ent bank (or finan­cial insti­tu­tion) online using SwivelPay. 

Sunbelt Loan, Sunbelt Account

Make pay­ments to your Sun­belt loan from your Sun­belt accounts through online banking.

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Have a question about Personal Loans?

Click any FAQ below. Or vis­it our full FAQ page for all ques­tions and answers.

You can change your address by:

  • Vis­it­ing your local branch and com­plet­ing a change of address form.
  • Log­ging into Cloud Bank­ing and chang­ing it under the ​“My Pro­file” tab.
  • Fax­ing a writ­ten request to our Account Ser­vices Depart­ment at 601−649−7156. The request should include the old address, new address, your sig­na­ture and the date.
  • Con­tact­ing our Account Ser­vices depart­ment at 601−649−7181 (option 2) dur­ing nor­mal busi­ness hours to request that a change of address form be mailed to you. Once we receive your com­plet­ed form, we will update your address.

If any of your con­tact infor­ma­tion changes, please let us know as soon as pos­si­ble. This will help us con­tact you quick­ly in the event of sus­pect­ed fraud, and pre­vent you from expe­ri­enc­ing any fees or inter­rup­tion in ser­vices due to returned mail.

You can apply for a loan online, by phone, or in per­son. To apply online at any time for a bill con­sol­i­da­tion loan, cred­it builder, cred­it card, per­son­al loan or vehi­cle loan, get start­ed here. You can vis­it your local branch dur­ing nor­mal busi­ness hours to apply, or call our Mem­ber Ser­vices Depart­ment at 601−649−7181 (option 2) dur­ing nor­mal busi­ness hours to apply by phone.

A sig­na­ture loan (also known as a per­son­al loan) is a loan with­out mate­r­i­al col­lat­er­al such as a car or home. The max­i­mum amount you can bor­row is $20,000 (pend­ing approval based on cred­it score, cred­it his­to­ry and income). You can use this loan for just about any purpose.

Sun­belt offers sev­er­al options for loan payment:

  • Vis­it any of our branch loca­tions and pay using cash or check.
  • Mail your loan pay­ment to:
    6885 US HWY 49
    Hat­ties­burg, MS 39402
  • Con­tact our Mem­ber Ser­vices Depart­ment at 601−649−7181 (option 2) dur­ing nor­mal busi­ness hours to make a deb­it card or cred­it card pay­ment over the phone.
    Please note: this method of pay­ment requires a $15 fee.
  • Trans­fer funds at any time from your sav­ings or check­ing accounts to your loans using Online Bank­ing or the Sun­belt app.
  • Make an online pay­ment to your Sun­belt loan from an account at a dif­fer­ent finan­cial insti­tu­tion via Swivel­Pay. Click here to learn more.

Cosign­ers lend their names and good cred­it his­to­ries to help the mak­er (the pri­ma­ry bor­row­er) secure a loan. Should the mak­er die, lose a job or oth­er­wise fail to make pay­ments, all respon­si­bil­i­ty for meet­ing the terms of the loan trans­fers to the cosign­er. An often over­looked aspect of cosign­ing a loan is the fact that the loan appears on both the mak­er’s and cosign­er’s cred­it reports. As a cosign­er, it is your respon­si­bil­i­ty to be aware of the loan’s sta­tus and make any nec­es­sary arrange­ments should the oth­er bor­row­er not be able to reli­ably make payments.

To start the loan pre-approval process, sub­mit an online appli­ca­tion, vis­it your local branch, or con­tact our Lend­ing Depart­ment at 601−649−7181 (option 4) dur­ing nor­mal busi­ness hours.

Non-mem­bers can apply for a loan, but to apply in a branch or over the phone, you must — at min­i­mum — open a sav­ings account with Sun­belt. Before the loan is processed, mem­ber­ship eli­gi­bil­i­ty will be deter­mined. One of our lend­ing pro­fes­sion­als will con­tact you to review our mem­ber­ship requirements.