Compare Bank & Credit Union Rates
Best auto loan rates in Mississippi
Compare the lowest advertised APRs for new and used vehicle loans from banks and credit unions, with terms, conditions and original sources.
Top new-car loan rates
Showing 1–15 of 39 in Mississippi · median 4.99% APR
- 3.49%APRas low as
Terms
Rates as low as 3.49% on new and used vehicles. Refinance offers 2% savings on current rate with a 3.49% floor rate. Subject to credit approval.
Auto loan score 99 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.00%APRas low as · up to 18.00%
4.00% APR, up to 18.00%
Terms
Auto (New and Used). Member's category determined by credit ratings and other criteria; in joint applications, highest credit score used. Stated as Annual Percentage Rate. Term up to 84 Months.
Auto loan score 94 · Carrot Score 99
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low as
Terms
Rate is as low as 4.24% APR. Terms up to 84 months depending on the age and mileage of the vehicle. Based on a $20,000 loan with a 4.24% APR for 36 months, estimated monthly payments are $593.
Auto loan score 93 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.29%APRas low as
Terms
As low as rate for 37-60 months on new vehicles (2025 and newer model years). Assumes excellent credit.
Auto loan score 88 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.29%APRas low as
Terms
Advertised 'as low as' APR assumes excellent borrower credit history. Financing up to 100% MSRP/NADA value. New vehicles are 2025 and newer model years with 10,000 or fewer miles.
Auto loan score 85 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - 4.34%APRas low as
Terms
Model years 2025 & newer. Stated as low as.
Auto loan score 87 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as · up to 17.99%
4.49% APR, up to 17.99%
Terms
Rates range from 4.49% to 17.99% APR. Terms vary up to 84 months. A lower interest rate comes with a shorter-term loan.
Auto loan score 89 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rates are based on credit qualifications, including credit score, minimum amount financed and term, and includes Premier/Access Premier relationship discount of 0.25% APR. Applicable to model year 2017-2027 vehicles.
Auto loan score 87 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
As low as rate subject to credit history, repayment term, and collateral. New, used, or refinanced. Excludes existing RiverLand loans. Minimum payment per $100 borrowed is $1.87.
Auto loan score 89 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
For qualified borrowers, based on model year and credit score. Starting APR. Rates are subject to credit approval, term, and product eligibility.
Auto loan score 89 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as · up to 6.00%
4.50% APR, up to 6.00%
Terms
Tiers: Preferred through B (Credit Score 640+; Preferred 715+, A 680-714, B 640-679). Financing: 100% of invoice.
Auto loan score 87 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
New vehicle
Auto loan score 87 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as · up to 17.99%
4.50% APR, up to 17.99%
Terms
Conditions vary. Terms 12 to 84 months available. Finance up to 115% of vehicle value. 60-day payment deferral available for qualifying loans funded 07/01/2026 to 12/31/2026.
Auto loan score 87 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.60%APRas low as
Terms
Requires a minimum loan amount of $10,000.
Auto loan score 87 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.69%APRas low as
Terms
Vehicle Year: 2025 & Newer. Rates are as low as and indicate an A+ rate.
Auto loan score 88 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches
Each institution’s lowest advertised APR for the vehicle, at terms that reach 60 months: usually its best-credit rate, so yours depends on your credit, the term and the vehicle. A rate that needs autopay, a checking account or similar says “with conditions”; More filters can leave those out. Refinance, lease buyout, recreational and promotional rates that have ended are left out, and a rate far below what other lenders advertise is listed lower down until it’s checked. Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates. How we rank
What new auto loans cost in Mississippi
39 banks and credit unions · checked Oct 15–22
- Typical
- 4.99%
- Top 10% up to
- 4.29%
- Banks, typical
- 6.24%
- Credit unions, typical
- 4.99%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Mississippi
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Triangle Federal Credit UnionCredit union · 5 branches
- New Orleans Firemen's Federal Credit UnionCredit union · 1 branch
- RiverLand Federal Credit UnionCredit union · 2 branches