Student Loans in Memphis, TN

Looking for reliable federal loan servicing in Memphis, TN? Local lenders understand your unique needs and offer flexible repayment plans designed to fit your budget. Comparing options helps you find the best rates and support tailored to your education goals.

Memphis credit unions and community-focused lenders provide more than just loans—they offer guidance and resources to help you succeed. Take a moment to compare student loan offers today and invest confidently in your future with trusted local support.

NewRefinance

Filters

Lender
APR
Term
Link
Info
university-credit-union
4.24 - 12.99 %
∞
navyfederal
4.45 - 4.77 %
∞
dcu
4.75 - 10.5 %
15 Yrs
∞
y12fcu
5.14 - 12 %
15 Yrs
∞
affinityplus
6.74 - 7.74 %
15 Yrs
∞

Today’s Student Loan Rates & Analysis - Updated on 2026-SEP-20

Credit Union Loan Rates - Trends & Analysis:

University's Fixed Rate Loan Solution with APRs ranging from 4.74% to 14.74% , unchanged from 7 and 30 days ago. The Variable Rate Line of Credit Solution has rates between 5% and 15% , also steady compared to the past week and month. For refinancing, fixed rates start at 4.24% and variable rates begin at 5.49% . Navy Federal Credit Union's Fixed APR for student loans is 2.67% , unchanged from 7 and 30 days ago but down from 2.92% 60 days ago. The Fixed APR for refinance loans is 4.45% , up from 4.2% seven and 30 days ago. Variable APR for refinance loans is 4.77% , also up from 4.52% seven and 30 days ago.

Digital has Variable Rate Student Loans with APRs from 6.25% to 12.5% and Fixed Rate Student Refinance Loans ranging from 4.75% to 10.5% . These rates are unchanged from 7 and 30 days ago. Both loan types show steady APR ranges over the past two months. Y–12's private student loans with variable rates ranging from 5.14% to 12% and fixed rates from 5.64% to 12% . The refinance loans have the same rate ranges for both variable and fixed. There is no rate change compared to 7 or 30 days ago.

Affinity Plus has an Undergraduate Line of Credit (fixed) with an APR of 6.49% , unchanged from 7, 30, and 60 days ago but down from 6.99% 90 days ago. The Graduate Line of Credit (fixed) is 7.99% , steady from 7, 30, and 60 days ago and lower than 8.1% 90 days ago.

🏦 Local Lenders in Memphis, TN

See the full lender directory — hours, services & financials →

🏘️ All the Lenders Available in Shelby County, TN

✅METHODIST HEALTHCARE FEDERAL CREDIT UNION
✅FEDEX EMPLOYEES CREDIT ASSOCIATION FEDERAL CREDIT UNION
✅FIRST SOUTH FINANCIAL FEDERAL CREDIT UNION
✅F A A FEDERAL CREDIT UNION
✅HEALTHNET FEDERAL CREDIT UNION
✅NAVY FEDERAL CREDIT UNION FEDERAL CREDIT UNION
✅FEDTRUST FEDERAL CREDIT UNION
✅SHELBY COUNTY FEDERAL CREDIT UNION
✅TVA MIDSOUTH CREDIT UNION
✅U T CREDIT UNION
✅ORION FEDERAL CREDIT UNION
✅SOUTHERN SECURITY FEDERAL CREDIT UNION
✅OLIVET BAPTIST CREDIT UNION
✅HOPE 24829 CREDIT UNION
✅KENNEDY VA EMPLOYEES FEDERAL CREDIT UNION
✅KIMBERLY CLARK CREDIT UNION
✅BULAB EMPLOYEES FEDERAL CREDIT UNION
✅MEMPHIS CITY EMPLOYEES CREDIT UNION
✅L G W CREDIT UNION
✅NUCOR EMPLOYEES FEDERAL CREDIT UNION
✅DELTA REFINING CO EMP FEDERAL CREDIT UNION
✅UPS EMPLOYEES CREDIT UNION
✅KELLOGG MEMPHIS EMPLOYEES FEDERAL CREDIT UNION
✅OWENSBORO FEDERAL CREDIT UNION
✅ESPEECO FEDERAL CREDIT UNION
✅SOUTHEAST FINANCIAL CREDIT UNION
✅MEMPHIS MUNICIPAL EMPLOYEES FEDERAL CREDIT UNION
✅CNIC EMPLOYEES CREDIT UNION
✅KEMBA DELTA FEDERAL CREDIT UNION
✅FIREFIGHTERS FIRST FEDERAL CREDIT UNION
✅LEADERS CREDIT UNION CREDIT UNION

Compare other loan types in Memphis, TN

Why compare Student Loans in Memphis, TN on LendMesh

If you’re exploring federal loan servicing options in Memphis, TN, taking the time to compare multiple lenders on LendMesh can uncover better deals and more affordable rates. There’s no rush—seeing a range of offers helps you make informed decisions tailored to your financial goals. Keep checking back to find the loan that fits your needs best without feeling pressured.

Consider subscribing to LendMesh for personalized alerts on federal loan rates in Memphis, TN. Simply set your target rate, like 4% or 5%, and we’ll notify you when offers fall below that mark. You’ll also receive expert insights, rate trends, and curated loan deals weekly or monthly, all designed to help you stay ahead and never miss a smart borrowing opportunity.

Customers are also interested in:

Federal Loan Servicing