Current auto loan rates in Mississippi include Statewide Federal Credit UnionStatewide Federal Credit Union295 E Layfair Dr, Flowood, MS, 39232 9527A+5.0 ★Texas Ratio: 3.45% offering New Autos 1-24 Months at 3.49%, Riverland Federal Credit UnionRiverland Federal Credit Union1340 Echelon Pkwy, Jackson, MS, 39213 8202A+5.0 ★Texas Ratio: 4.06% offering Auto Loans at 3.50%, Southeast Financial Credit UnionSoutheast Financial Credit Union102 Highway 72 W, Corinth, MS, 38834 5511A5.0 ★Texas Ratio: 9.30% offering New Auto at 3.50%, Singing River Federal Credit UnionSinging River Federal Credit Union6006 HIGHWAY 63, MOSS POINT, MS, 39563A+5.0 ★Texas Ratio: 2.13% offering New & Used Auto at 3.79%, Gulf Trust Federal Credit UnionGulf Trust Federal Credit Union2533 Denny Ave, Pascagoula, MS, 39567A+5.0 ★Texas Ratio: 3.08% offering New and Used Auto at 4.49%. Auto loan rates as of July 15, 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 3.49% APR from Statewide Federal Credit Union at 295 E Layfair Dr, Flowood, MS, 39232 9527. Rates are continually updated — 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: July 15, 2026
Cars, Trucks, & SUVs
As Low As; New Auto
Rate: 3.79% - 15.04%
Rate: 3.99% - 15.24%
As Low As; Used Auto
As Low As; Beginning as low as 4.49%
Daily Periodic Rate: 0.0123% - 0.0493%
As Low As
Cars, Trucks, & SUVs
Rates are subject to credit approval, term, and product eligibility. For qualified borrowers, based on model year and credit score.
A+ Category = or > 725
Up to 100% of NADA average retail or 100% of selling price, whichever is less. Membership fee and eligibility required: You must live, work, worship, or attend school in Harrison, Hancock, Jackson, or Stone County.
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.
As Low As
Annual Percentage Rates shown are "as low as".
Credit Score 700+ Rate
Credit Score 700+ Rate
Credit Score 700+ Rate
Rate: 5.25% - 16.49%
A Category 660 - 724
As Low As; Current & 2 year Models
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.
Rate: 5.49% - 16.49%
As Low As; Terms up to 96 months
Cars, Trucks, & SUVs
Rate: 5.74% - 16.49%
Credit Score 700+ Rate
A Category 660 - 724
As Low As
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.
As Low As; Terms up to 96 months
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. 2017 and older MAX TERM 48 Months. 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 Score 700+ Rate; Loan Amount Over $30,000
A Category 660 - 724
As Low As; Seasonal Special
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. 2017 and older MAX TERM 48 Months. 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.
B Category 620 - 659
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.
Your rate depends on your Credit Score. Must have copy of window sticker. 100% + 5% of MSRP not to exceed actual purchase price
Credit Score 660-699 Rate
Credit Score 660-699 Rate
Credit Score 660-699 Rate
B Category 620 - 659
Your rate depends on your Credit Score and the year of the car. We do not finance vehicles over 10 years old. 100% +5% of NADA Trade-In Value (Mileage adjusted) not to exceed actual purchase price
Credit Score 660-699 Rate
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. 2017 and older MAX TERM 48 Months. 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.
B Category 620 - 659
As Low As; Credit Score Performance Based
As Low As; Credit Score Performance Based
Over $30,000; Credit Score 660-699 Rate; Loan Amount Over $30,000
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. 2017 and older MAX TERM 48 Months. 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.
B Category 620 - 659
Credit Score 620-659 Rate
B Category 620 - 659
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. 2017 and older MAX TERM 48 Months. 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.
C Category 600 - 619
Credit Score 620-659 Rate
C Category 600 - 619
Credit Score 620-659 Rate
C Category 600 - 619
C Category 600 - 619
C Category 600 - 619
Credit Score 620-659 Rate
D Category = or < 599
Over $30,000; Credit Score 620-659 Rate; Loan Amount Over $30,000
Credit Score 515-619 Rate
D Category = or < 599
Credit Score 515-619 Rate
D Category = or < 599
Credit Score 515-619 Rate
D Category = or < 599
D Category = or < 599
Credit Score 515-619 Rate
Over $30,000; Credit Score 515-619 Rate; Loan Amount Over $30,000
As Low As; New Auto
Rate: 3.79% - 15.04%
Rate: 3.99% - 15.24%
As Low As; Beginning as low as 4.49%
Daily Periodic Rate: 0.0123% - 0.0493%
As Low As
Rates are subject to credit approval, term, and product eligibility. For qualified borrowers, based on model year and credit score.
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.
Annual Percentage Rates shown are "as low as".
Credit Score 700+ Rate
Credit Score 700+ Rate
Credit Score 700+ Rate
Rate: 5.25% - 16.49%
A Category 660 - 724
As Low As; Current & 2 year Models
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.
Rate: 5.49% - 16.49%
As Low As; Terms up to 96 months
Rate: 5.74% - 16.49%
Credit Score 700+ Rate
A Category 660 - 724
As Low As
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.
Over $30,000; Credit Score 700+ Rate; Loan Amount Over $30,000
A Category 660 - 724
As Low As; Credit Score Performance Based
B Category 620 - 659
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.
Your rate depends on your Credit Score. Must have copy of window sticker. 100% + 5% of MSRP not to exceed actual purchase price
Credit Score 660-699 Rate
Credit Score 660-699 Rate
Credit Score 660-699 Rate
B Category 620 - 659
Credit Score 660-699 Rate
B Category 620 - 659
As Low As; Credit Score Performance Based
Over $30,000; Credit Score 660-699 Rate; Loan Amount Over $30,000
As Low As; Credit Score Performance Based
B Category 620 - 659
Credit Score 620-659 Rate
B Category 620 - 659
C Category 600 - 619
Credit Score 620-659 Rate
C Category 600 - 619
Credit Score 620-659 Rate
C Category 600 - 619
C Category 600 - 619
C Category 600 - 619
Credit Score 620-659 Rate
D Category = or < 599
Over $30,000; Credit Score 620-659 Rate; Loan Amount Over $30,000
Credit Score 515-619 Rate
D Category = or < 599
Credit Score 515-619 Rate
D Category = or < 599
Credit Score 515-619 Rate
D Category = or < 599
D Category = or < 599
Credit Score 515-619 Rate
Over $30,000; Credit Score 515-619 Rate; Loan Amount Over $30,000
Rate: 3.79% - 15.04%
Rate: 3.99% - 15.24%
As Low As; Used Auto
As Low As; Beginning as low as 4.49%
Daily Periodic Rate: 0.0123% - 0.0493%
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.
As Low As
Credit Score 700+ Rate
Credit Score 700+ Rate
Credit Score 700+ Rate
Rate: 5.25% - 16.49%
A Category 660 - 724
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.
Rate: 5.49% - 16.49%
Rate: 5.74% - 16.49%
Credit Score 700+ Rate
A Category 660 - 724
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.
As Low As; Terms up to 96 months
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. 2017 and older MAX TERM 48 Months. 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 Score 700+ Rate; Loan Amount Over $30,000
A Category 660 - 724
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. 2017 and older MAX TERM 48 Months. 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.
B Category 620 - 659
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.
Credit Score 660-699 Rate
Credit Score 660-699 Rate
Credit Score 660-699 Rate
B Category 620 - 659
Your rate depends on your Credit Score and the year of the car. We do not finance vehicles over 10 years old. 100% +5% of NADA Trade-In Value (Mileage adjusted) not to exceed actual purchase price
Credit Score 660-699 Rate
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. 2017 and older MAX TERM 48 Months. 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.
B Category 620 - 659
As Low As; Credit Score Performance Based
Over $30,000; Credit Score 660-699 Rate; Loan Amount Over $30,000
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. 2017 and older MAX TERM 48 Months. 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.
B Category 620 - 659
Credit Score 620-659 Rate
B Category 620 - 659
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. 2017 and older MAX TERM 48 Months. 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.
C Category 600 - 619
Credit Score 620-659 Rate
C Category 600 - 619
Credit Score 620-659 Rate
C Category 600 - 619
C Category 600 - 619
C Category 600 - 619
Credit Score 620-659 Rate
D Category = or < 599
Over $30,000; Credit Score 620-659 Rate; Loan Amount Over $30,000
Credit Score 515-619 Rate
D Category = or < 599
Credit Score 515-619 Rate
D Category = or < 599
Credit Score 515-619 Rate
D Category = or < 599
D Category = or < 599
Credit Score 515-619 Rate
Over $30,000; Credit Score 515-619 Rate; Loan Amount Over $30,000
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 0.647 points over the past 7 days to 5.467% APR.
Mississippi used auto rates rose 0.644 points over the past 7 days to 6.343% APR.
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.