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 16–30 of 39 in Mississippi · median 4.99% APR
- 4.74%APRas low as · up to 15.99%
4.74% APR, up to 15.99%
Terms
New & Used Auto. Level 1 used autos (2022-2025) financed at stated auto rate. Rate based on credit score, term, model year, amount financed, and relationship pricing. Max 18% APR.
Auto loan score 87 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Auto loan score 82 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 4.95%APRas low as · up to 16.99%
4.95% APR, up to 16.99%
Terms
Applies to new loans only with GCCFCU or refinances from another lender. Applies to new and used autos. Up to 100% of NADA average retail or 100% of selling price, whichever is less. Rates and terms based on prior credit performance, age of collateral, and may vary based on mileage, additional credit union services chosen, and/or percentage of down payment. Membership eligibility required.
Auto loan score 86 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - Eagle Express Federal Credit UnionVehicle Loan Rate Special · up to 72 months
Credit union · 1 branch
4.99%APRas low asTerms
Category A (690+ credit score). Limited-time offer. No discounts apply. New and used vehicles.
Auto loan score 83 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rate is 'as low as' 4.99% APR for terms up to 84 months. Rates vary based on creditworthiness and other factors.
Auto loan score 83 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 10.49%
4.99% APR, up to 10.49%
Terms
Risk-based APR based on creditworthiness; lowest rates include matching floors.
Auto loan score 83 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rate is listed as low as and varies based on credit qualifications and vehicle collateral.
Auto loan score 83 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - New Orleans Firemen's Federal Credit UnionAutos (Newer Models) · up to 84 months
Credit union · 1 branch
4.99%APRas low asTerms
Rate as low as 4.99% APR. Advertised rate can vary based on creditworthiness, mileage and age of vehicle, and loan terms. Standard underwriting criteria apply. Applies to vehicles < 6 years and < 85,000 miles. Minimum loan amount is $1,000; terms up to 84 months.
Auto loan score 83 · Carrot Score 96
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 18.00%
4.99% APR, up to 18.00%
Terms
Subject to credit approval. Rates based on credit score and loan term. Lowest rate requires best credit.
Auto loan score 83 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as · up to 18.00%with conditions
5.00% APR, up to 18.00%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rate and terms received will be based on creditworthiness and other factors. Daily periodic rate 0.0123% - 0.0493%. Up to 100% financing available. 0.25% APR discount available with a new or existing Magnolia Federal Credit Union checking account in good standing. Rate floor is 2.99% APR.
Auto loan score 82 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
New auto loan; credit approval required; rate is as low as; vehicle model year current or within previous two years with mileage not exceeding 30,000
Auto loan score 76 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
New cars up to 84 months, 20,000 miles or less (0-2 years old).
Auto loan score 70 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Rate based on creditworthiness and term of loan.
Auto loan score 73
Rate checked · Auto loans rates on its site
Rates and branches - 5.59%APRas low as
Terms
APR as low as. Terms up to 96 months. Rate based on creditworthiness and term of loan.
Auto loan score 67 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.60%APRas low as
Terms
NEW! 2026; with approved credit
Auto loan score 67 · Carrot Score 94
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