Mississippi Best Auto Loan Rates - September 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current auto loan rates in Mississippi include Southeast Financial Credit UnionSoutheast Financial Credit Union102 Highway 72 W, Corinth, MS, 38834 5511A5.0 ★Texas Ratio: 7.32% offering New Car & Truck Loans at 2.00%, HealthPlus Federal Credit UnionHealthPlus Federal Credit Union500H E WOODROW WILSON Ave, JACKSON, MS, 39216 4538F2.5 ★Texas Ratio: 44.56% offering New Auto Loan at 3.29%, Statewide Federal Credit UnionStatewide Federal Credit Union295 E Layfair Dr, Flowood, MS, 39232 9527A+5.0 ★Texas Ratio: 3.88% offering New Autos at 3.49%, Riverland Federal Credit UnionRiverland Federal Credit Union1340 Echelon Pkwy, Jackson, MS, 39213 8202A+5.0 ★Texas Ratio: 3.66% offering Auto Loans - Cars, Trucks, & SUVs at 3.50%, Baxter Credit UnionBaxter Credit Union911 N Davis Ave, Cleveland, MS, 38732 2106A5.0 ★Texas Ratio: 6.20% offering Auto Loans - 2025 & Newer at 3.64%. Auto loan rates as of September 21, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across Mississippi side-by-side. Mississippi auto loan rates currently start as low as 2.00% APR from Southeast Financial Credit Union at 102 Highway 72 W, Corinth, MS, 38834 5511. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Mississippi. Auto Loan Rates Last Updated and Verified: September 21, 2026
Compare Auto Loan Rates Today in Mississippi
Mississippi Auto Loan Rates
Credit Rating: S; 775+; LTV: 125% LTV with GAP; GPS: May Use
As Low As
as low as; Loan Term
Published APR range: 3.74 - 15.49%.
Credit Rating: S; 775+; LTV: 125% LTV with GAP; GPS: May Use
Credit Rating: S; 775+; LTV: 125% NADA with GAP; GPS: May Use
Published APR range: 3.99 - 15.74%.
Rates are listed as low as and will vary based on credit qualifications and the vehicle collateral. Your rate may be different than the rate listed.
Rates are listed as low as and will vary based on credit qualifications and the vehicle collateral. Your rate may be different than the rate listed.
as low as; Loan Term
Vehicle Year: 2025 & Newer
Rates are listed as low as and will vary based on credit qualifications and the vehicle collateral. Your rate may be different than the rate listed.
Credit Rating: S; 775+; LTV: 125% LTV with GAP; GPS: May Use
Vehicle Year: 2025 & Newer
Credit Rating: A; 700-774; LTV: 125% LTV with GAP; GPS: May Use
Credit Rating: S; 775+; LTV: 125% NADA with GAP; GPS: May Use
As Low As; Loans must be paid in full within 12 months or less, depends on when the loan origination date.
As Low As; Beginning as low as 4.49%
All quoted loan rates are APR rates (annual percentage rates)
Floor Rate; Discounts only apply to auto loans at rates stated below-not to loan rate specials; One 0.50% APR discount will be given for one of the following items when applying for an auto loan: An existing active checking account. An existing active Visa account. When applying online (through Eagle Express Web)
As Low As
All rates are subject to change without notice. Your actual rate, payment, and costs could be higher. APR (Annual Percentage Rate). A lower credit score may cause a higher loan rate. Your APR is based on credit worthiness, loan amount, current mileage, term of the loan and loan to value.
as low as; Loan Term
Vehicle Year: 2025 & Newer
Published APR range: 4.74 - 15.99%.
Credit Grade: A+ Category = or > 725
Credit Rating: S; 775+; LTV: 125% LTV with GAP; GPS: May Use
Up to 100% of NADA average retail or 100% of selling price, whichever is less. Membership Eligibility Required.
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
Credit Rating: A; 700-774; LTV: 125% LTV with GAP; GPS: May Use
Credit Rating: S; 775+; LTV: 125% NADA with GAP; GPS: May Use
Category A (690+); As Low As; Rate is as stated below, no discounts will apply; Effective 4-23-2025; All rates are based on Equifax beacon score. All rates are based on credit category and loan term. All rates are expressed as Annual Percentage Rate (APR). All rates are subject to change without prior notice. Rates fluctuate based upon the current Wall Street Journal Prime Rate.
As Low As; Loans must be paid in full within 12 months or less, depends on when the loan origination date.
Published APR range: 4.99 - 16.24.
Vehicle Year: 2025 & Newer
Credit Rating: 730 & above
Credit Rating: 730 & above
Credit Rating: 730 & above
As low as
As low as; Loan Amount: Not specified
As low as; Loan Amount: Not specified
Rates are listed as low as and will vary based on credit qualifications and the vehicle collateral. Your rate may be different than the rate listed.
as low as; Loan Term
as low as; Loan Term; **76-84 month term available for model years 2025 and newer only.
Vehicle Year: 2021-2024
Published APR range: 5.24 - 16.49%.
Credit Grade: A (700+)
Credit Grade: A (700+)
Credit Grade: A (700+)
Credit Grade: A Category 660 - 724
Credit Grade: A+ Category = or > 725
Credit Rating: S; 775+; LTV: 125% LTV with GAP; GPS: May Use
Vehicle Year: 2020
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
Credit Rating: A; 700-774; LTV: 125% LTV with GAP; GPS: May Use
Credit Rating: A; 700-774; LTV: 125% NADA with GAP; GPS: May Use
Credit Rating: S; 775+; LTV: 125% NADA with GAP; GPS: May Use
As Low As
As Low As
As low as; Loan Amount: Not specified
As low as; Loan Amount: Not specified
Term: 48 month term or less
As Low As
Vehicle Year: 2016-2019
Credit Grade: A (700+)
Credit Grade: A Category 660 - 724
Credit Grade: A+ Category = or > 725
Rates are listed as low as and will vary based on credit qualifications and the vehicle collateral. Your rate may be different than the rate listed.
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
Credit Rating: A; 700-774; LTV: 125% LTV with GAP; GPS: May Use
Credit Rating: A; 700-774; LTV: 125% NADA with GAP; GPS: May Use
As Low As
As Low As
As low as; Loan Amount: Over $20,000
As low as; Loan Amount: Over $20,000
APR based on 60 months and $45,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
APR based on 60 months and $30,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
as low as; Loan Term
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU. 2017 and older MAX TERM 48 Months.
Over $30,000; Credit Grade: A (700+)
As Low As; Credit Score Performance Based
As Low As; Credit Score Performance Based
Credit Grade: A Category 660 - 724
Credit Grade: A+ Category = or > 725
Rates are listed as low as and will vary based on credit qualifications and the vehicle collateral. Your rate may be different than the rate listed.
Credit Rating: B; 650-699; LTV: 125% LTV with GAP; GPS: May Use
Credit Rating: A; 700-774; LTV: 125% LTV with GAP; GPS: May Use
Credit Rating: A; 700-774; LTV: 125% NADA with GAP; GPS: May Use
As low as; Loan Amount: Over $40,000
As low as; Loan Amount: Over $40,000 & Under 75,000 miles
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU. 2017 and older MAX TERM 48 Months.
As Low As; Credit Score Performance Based
As Low As; Credit Score Performance Based
Credit Grade: B Category 620 - 659
Credit Grade: A Category 660 - 724
Term: 73 - 84 Months (over $30,000); Credit Grade: A+ Category = or > 725
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
Credit Rating: B; 650-699; LTV: 125% LTV with GAP; GPS: May Use
Credit Rating: A; 700-774; LTV: 125% NADA with GAP; GPS: May Use
Category B (660-689); As Low As; Rate is as stated below, no discounts will apply; Effective 4-23-2025; All rates are based on Equifax beacon score. All rates are based on credit category and loan term. All rates are expressed as Annual Percentage Rate (APR). All rates are subject to change without prior notice. Rates fluctuate based upon the current Wall Street Journal Prime Rate.
Credit Rating: 730 & above
Credit Rating: 680-729
Credit Rating: 680-729
Credit Rating: 680-729
Credit Grade: B (660-699)
Credit Grade: B (660-699)
Credit Grade: B (660-699)
Term: Maximum 72 months (6 years); Published rate range: 7.0% to 12.0%*. Rate 7.0% to 12.0%*; Must have copy of window sticker; 100% + 5% of MSRP not to exceed actual purchase price
Credit Grade: B Category 620 - 659
Credit Rating: B; 650-699; LTV: 125% LTV with GAP; GPS: May Use
Credit Rating: B; 650-699; LTV: 125% NADA with GAP; GPS: May Use
Credit Grade: B (660-699)
Term: Maximum 72 months (6 years); Published rate range: 7.5% to 13.0%*. Rate 7.5% to 13.0%*; We do not finance vehicles over 10 years old.; 100% +5% of NADA Trade-In Value (Mileage adjusted) not to exceed actual purchase price
Published APR range: 7.571% - 18.000%.
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU. 2017 and older MAX TERM 48 Months.
As Low As; Credit Score Performance Based
As Low As; Credit Score Performance Based
Credit Grade: B Category 620 - 659
Term: 73 - 84 Months (over $30,000); Credit Grade: A Category 660 - 724
Credit Rating: B; 650-699; LTV: 125% LTV with GAP; GPS: May Use
Credit Rating: B; 650-699; LTV: 125% NADA with GAP; GPS: May Use
Credit Rating: 730 & above
Over $30,000; Credit Grade: B (660-699)
As Low As; Credit Score Performance Based
As Low As; Credit Score Performance Based
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU. 2017 and older MAX TERM 48 Months.
Credit Rating: B; 650-699; LTV: 125% NADA with GAP; GPS: May Use
Credit Grade: B Category 620 - 659
Published APR range: 8.572% - 18.00%.
Credit Rating: B; 650-699; LTV: 125% NADA with GAP; GPS: May Use
Category C (620-659); As Low As; Rate is as stated below, no discounts will apply; Effective 4-23-2025; All rates are based on Equifax beacon score. All rates are based on credit category and loan term. All rates are expressed as Annual Percentage Rate (APR). All rates are subject to change without prior notice. Rates fluctuate based upon the current Wall Street Journal Prime Rate.
Credit Rating: 640-679
Credit Rating: 640-679
Credit Rating: 640-679
Credit Rating: 640-679
Mississippi New Auto Auto Loan Rates
Credit Rating: S; 775+; LTV: 125% LTV with GAP; GPS: May Use
as low as; Loan Term
Published APR range: 3.74 - 15.49%.
Credit Rating: S; 775+; LTV: 125% LTV with GAP; GPS: May Use
Published APR range: 3.99 - 15.74%.
as low as; Loan Term
Credit Rating: S; 775+; LTV: 125% LTV with GAP; GPS: May Use
Credit Rating: A; 700-774; LTV: 125% LTV with GAP; GPS: May Use
As Low As; Loans must be paid in full within 12 months or less, depends on when the loan origination date.
As Low As; Beginning as low as 4.49%
All quoted loan rates are APR rates (annual percentage rates)
Floor Rate; Discounts only apply to auto loans at rates stated below-not to loan rate specials; One 0.50% APR discount will be given for one of the following items when applying for an auto loan: An existing active checking account. An existing active Visa account. When applying online (through Eagle Express Web)
All rates are subject to change without notice. Your actual rate, payment, and costs could be higher. APR (Annual Percentage Rate). A lower credit score may cause a higher loan rate. Your APR is based on credit worthiness, loan amount, current mileage, term of the loan and loan to value.
Published APR range: 4.74 - 15.99%.
Credit Grade: A+ Category = or > 725
Credit Rating: S; 775+; LTV: 125% LTV with GAP; GPS: May Use
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
Credit Rating: A; 700-774; LTV: 125% LTV with GAP; GPS: May Use
Category A (690+); As Low As; Rate is as stated below, no discounts will apply; Effective 4-23-2025; All rates are based on Equifax beacon score. All rates are based on credit category and loan term. All rates are expressed as Annual Percentage Rate (APR). All rates are subject to change without prior notice. Rates fluctuate based upon the current Wall Street Journal Prime Rate.
Published APR range: 4.99 - 16.24.
Credit Rating: 730 & above
Credit Rating: 730 & above
Credit Rating: 730 & above
As low as
As low as; Loan Amount: Not specified
as low as; Loan Term; **76-84 month term available for model years 2025 and newer only.
Published APR range: 5.24 - 16.49%.
Credit Grade: A (700+)
Credit Grade: A (700+)
Credit Grade: A (700+)
Credit Grade: A Category 660 - 724
Credit Grade: A+ Category = or > 725
Credit Rating: S; 775+; LTV: 125% LTV with GAP; GPS: May Use
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
Credit Rating: A; 700-774; LTV: 125% LTV with GAP; GPS: May Use
As Low As
As Low As
As low as; Loan Amount: Not specified
Term: 48 month term or less
Credit Grade: A (700+)
Credit Grade: A Category 660 - 724
Credit Grade: A+ Category = or > 725
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
Credit Rating: A; 700-774; LTV: 125% LTV with GAP; GPS: May Use
As low as; Loan Amount: Over $20,000
APR based on 60 months and $45,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
Over $30,000; Credit Grade: A (700+)
As Low As; Credit Score Performance Based
Credit Grade: A Category 660 - 724
Credit Grade: A+ Category = or > 725
Credit Rating: B; 650-699; LTV: 125% LTV with GAP; GPS: May Use
Credit Rating: A; 700-774; LTV: 125% LTV with GAP; GPS: May Use
As low as; Loan Amount: Over $40,000
As Low As; Credit Score Performance Based
Credit Grade: B Category 620 - 659
Credit Grade: A Category 660 - 724
Term: 73 - 84 Months (over $30,000); Credit Grade: A+ Category = or > 725
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
Credit Rating: B; 650-699; LTV: 125% LTV with GAP; GPS: May Use
Category B (660-689); As Low As; Rate is as stated below, no discounts will apply; Effective 4-23-2025; All rates are based on Equifax beacon score. All rates are based on credit category and loan term. All rates are expressed as Annual Percentage Rate (APR). All rates are subject to change without prior notice. Rates fluctuate based upon the current Wall Street Journal Prime Rate.
Credit Rating: 730 & above
Credit Rating: 680-729
Credit Rating: 680-729
Credit Rating: 680-729
Credit Grade: B (660-699)
Credit Grade: B (660-699)
Credit Grade: B (660-699)
Term: Maximum 72 months (6 years); Published rate range: 7.0% to 12.0%*. Rate 7.0% to 12.0%*; Must have copy of window sticker; 100% + 5% of MSRP not to exceed actual purchase price
Credit Grade: B Category 620 - 659
Credit Rating: B; 650-699; LTV: 125% LTV with GAP; GPS: May Use
Credit Grade: B (660-699)
Published APR range: 7.571% - 18.000%.
As Low As; Credit Score Performance Based
Credit Grade: B Category 620 - 659
Term: 73 - 84 Months (over $30,000); Credit Grade: A Category 660 - 724
Credit Rating: B; 650-699; LTV: 125% LTV with GAP; GPS: May Use
Credit Rating: 730 & above
Over $30,000; Credit Grade: B (660-699)
As Low As; Credit Score Performance Based
Credit Grade: B Category 620 - 659
Category C (620-659); As Low As; Rate is as stated below, no discounts will apply; Effective 4-23-2025; All rates are based on Equifax beacon score. All rates are based on credit category and loan term. All rates are expressed as Annual Percentage Rate (APR). All rates are subject to change without prior notice. Rates fluctuate based upon the current Wall Street Journal Prime Rate.
Credit Rating: 640-679
Credit Rating: 640-679
Credit Rating: 640-679
Credit Rating: 640-679
Mississippi Used Auto Auto Loan Rates
Published APR range: 3.74 - 15.49%.
Credit Rating: S; 775+; LTV: 125% NADA with GAP; GPS: May Use
Published APR range: 3.99 - 15.74%.
Rates are listed as low as and will vary based on credit qualifications and the vehicle collateral. Your rate may be different than the rate listed.
Rates are listed as low as and will vary based on credit qualifications and the vehicle collateral. Your rate may be different than the rate listed.
Rates are listed as low as and will vary based on credit qualifications and the vehicle collateral. Your rate may be different than the rate listed.
Credit Rating: S; 775+; LTV: 125% NADA with GAP; GPS: May Use
As Low As; Beginning as low as 4.49%
All quoted loan rates are APR rates (annual percentage rates)
Floor Rate; Discounts only apply to auto loans at rates stated below-not to loan rate specials; One 0.50% APR discount will be given for one of the following items when applying for an auto loan: An existing active checking account. An existing active Visa account. When applying online (through Eagle Express Web)
Published APR range: 4.74 - 15.99%.
Credit Grade: A+ Category = or > 725
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
Credit Rating: S; 775+; LTV: 125% NADA with GAP; GPS: May Use
Category A (690+); As Low As; Rate is as stated below, no discounts will apply; Effective 4-23-2025; All rates are based on Equifax beacon score. All rates are based on credit category and loan term. All rates are expressed as Annual Percentage Rate (APR). All rates are subject to change without prior notice. Rates fluctuate based upon the current Wall Street Journal Prime Rate.
As Low As; Loans must be paid in full within 12 months or less, depends on when the loan origination date.
Published APR range: 4.99 - 16.24.
Credit Rating: 730 & above
Credit Rating: 730 & above
Credit Rating: 730 & above
Rates are listed as low as and will vary based on credit qualifications and the vehicle collateral. Your rate may be different than the rate listed.
Published APR range: 5.24 - 16.49%.
Credit Grade: A (700+)
Credit Grade: A (700+)
Credit Grade: A (700+)
Credit Grade: A Category 660 - 724
Credit Grade: A+ Category = or > 725
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
Credit Rating: A; 700-774; LTV: 125% NADA with GAP; GPS: May Use
Credit Rating: S; 775+; LTV: 125% NADA with GAP; GPS: May Use
Credit Grade: A (700+)
Credit Grade: A Category 660 - 724
Credit Grade: A+ Category = or > 725
Rates are listed as low as and will vary based on credit qualifications and the vehicle collateral. Your rate may be different than the rate listed.
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
Credit Rating: A; 700-774; LTV: 125% NADA with GAP; GPS: May Use
As Low As
As Low As
APR based on 60 months and $30,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU. 2017 and older MAX TERM 48 Months.
Over $30,000; Credit Grade: A (700+)
As Low As; Credit Score Performance Based
Credit Grade: A Category 660 - 724
Credit Grade: A+ Category = or > 725
Rates are listed as low as and will vary based on credit qualifications and the vehicle collateral. Your rate may be different than the rate listed.
Credit Rating: A; 700-774; LTV: 125% NADA with GAP; GPS: May Use
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU. 2017 and older MAX TERM 48 Months.
As Low As; Credit Score Performance Based
Credit Grade: B Category 620 - 659
Credit Grade: A Category 660 - 724
Term: 73 - 84 Months (over $30,000); Credit Grade: A+ Category = or > 725
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
Credit Rating: A; 700-774; LTV: 125% NADA with GAP; GPS: May Use
Category B (660-689); As Low As; Rate is as stated below, no discounts will apply; Effective 4-23-2025; All rates are based on Equifax beacon score. All rates are based on credit category and loan term. All rates are expressed as Annual Percentage Rate (APR). All rates are subject to change without prior notice. Rates fluctuate based upon the current Wall Street Journal Prime Rate.
Credit Rating: 730 & above
Credit Rating: 680-729
Credit Rating: 680-729
Credit Rating: 680-729
Credit Grade: B (660-699)
Credit Grade: B (660-699)
Credit Grade: B (660-699)
Credit Grade: B Category 620 - 659
Credit Rating: B; 650-699; LTV: 125% NADA with GAP; GPS: May Use
Credit Grade: B (660-699)
Term: Maximum 72 months (6 years); Published rate range: 7.5% to 13.0%*. Rate 7.5% to 13.0%*; We do not finance vehicles over 10 years old.; 100% +5% of NADA Trade-In Value (Mileage adjusted) not to exceed actual purchase price
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU. 2017 and older MAX TERM 48 Months.
As Low As; Credit Score Performance Based
Credit Grade: B Category 620 - 659
Term: 73 - 84 Months (over $30,000); Credit Grade: A Category 660 - 724
Credit Rating: B; 650-699; LTV: 125% NADA with GAP; GPS: May Use
Credit Rating: 730 & above
Over $30,000; Credit Grade: B (660-699)
As Low As; Credit Score Performance Based
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU. 2017 and older MAX TERM 48 Months.
Credit Rating: B; 650-699; LTV: 125% NADA with GAP; GPS: May Use
Credit Grade: B Category 620 - 659
Published APR range: 8.572% - 18.00%.
Credit Rating: B; 650-699; LTV: 125% NADA with GAP; GPS: May Use
Category C (620-659); As Low As; Rate is as stated below, no discounts will apply; Effective 4-23-2025; All rates are based on Equifax beacon score. All rates are based on credit category and loan term. All rates are expressed as Annual Percentage Rate (APR). All rates are subject to change without prior notice. Rates fluctuate based upon the current Wall Street Journal Prime Rate.
Credit Rating: 640-679
Credit Rating: 640-679
Credit Rating: 640-679
Credit Rating: 640-679
Mississippi Auto Loan Rate Trends
Compare local Mississippi auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Mississippi new auto rates rose 0.495 points over the past 7 days to 6.155% APR.
Mississippi used auto rates rose 0.505 points over the past 7 days to 6.269% APR.
Mississippi Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Mississippi figures.
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; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
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.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Mississippi APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 6.15% APR MS average | Used Auto @ 6.27% APR MS average | Monthly Difference |
|---|---|---|---|
| $15,000 | $291.07/mo | $291.87/mo | $0.80/mo |
| $25,000 | $485.12/mo | $486.45/mo | $1.33/mo |
| $35,000 | $679.17/mo | $681.03/mo | $1.86/mo |
| $45,000 | $873.22/mo | $875.61/mo | $2.39/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in Mississippi
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Mississippi locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Mississippi. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
- Saving up for a bigger down payment: park it in a Mississippi high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Mississippi CD rates lock in a guaranteed return until you’re ready to buy
Mississippi Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $582 monthly car payment works out to roughly 18.7% of the median individual income in Mississippi. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15–20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Mississippi, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1–3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0–2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Mississippi. We’ve prefilled the APR with today’s MS new-auto average, or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Mississippi auto 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 Auto Loan Rate Data: We aggregate new and used auto loan rates for 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 lenders’ 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 auto loan products in Mississippi. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in MS.
Regularly Updated APRs: Our rate updaters verify and update auto 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. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Mississippi
How does my credit score affect my car loan rate in Mississippi?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
Should I get preapproved for an auto loan before visiting a dealer in Mississippi?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
What are the best Auto Loan rates in Mississippi?
- Southeast Financial Credit Union: 2.00% (New Car & Truck Loans)
- HealthPlus Federal Credit Union: 3.29% (New Auto Loan)
- Statewide Federal Credit Union: 3.49% (New Autos)
- Riverland Federal Credit Union: 3.50% (Auto Loans - Cars, Trucks, & SUVs)
- Baxter Credit Union: 3.64% (Auto Loans - 2025 & Newer)
Mississippi Rates & Resources
Auto Loan Rates by City in Mississippi
