Calhoun City, MS 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 Calhoun City, Mississippi include HealthPlus Federal Credit UnionHealthPlus Federal Credit UnionF2.5 ★Texas Ratio: 44.56% offering New Auto Loan at 3.29%, Statewide Federal Credit UnionStatewide Federal Credit UnionA+5.0 ★Texas Ratio: 3.88% offering New Autos at 3.49%, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 6.20% offering Auto Loans - 2025 & Newer at 3.49%, Riverland Federal Credit UnionRiverland Federal Credit UnionA+5.0 ★Texas Ratio: 3.66% offering Auto Loans at 3.50%, Singing River Federal Credit UnionSinging River Federal Credit UnionA+5.0 ★Texas Ratio: 3.73% offering New & Used Auto at 3.74%. Auto loan rates as of September 16, 2026 according to verified data from MonitorBankRates.
Calhoun City borrowers have access to 28 lenders serving the Mississippi area, with auto loan rates as low as 3.29% APR from HealthPlus Federal Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Calhoun City, Mississippi. Auto Loan Rates Last Updated and Verified: September 16, 2026
Compare Auto Loan Rates Today in Calhoun City, Mississippi & Surrounding Area
Calhoun City Auto Loan Rates
Credit Rating: S (775+); LTV: 125% LTV with GAP; GPS: May Use
As low as; Auto Buying Service APR - 2025 & Newer as low as 2.64%
As Low As; 2025 & Newer
Cars, Trucks, & SUVs
Credit Rating: S (775+); LTV: 125% LTV with GAP; GPS: May Use
As low as
As Low As; 2025 & Newer
Credit Rating: S (775+); LTV: 125% NADA with GAP; GPS: May Use
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% LTV with GAP; GPS: May Use
As low as; Auto Buying Service APR - 2022 - 2024* as low as 3.64%
As Low As; 2022 - 2024*
Vehicle Year: 2025 & Newer
As Low As; Loans must be paid in full within 12 months or less, depends on when the loan origination date.
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; Beginning as low as 4.49%
Cars, Trucks, & SUVs
All quoted loan rates are APR rates (annual percentage rates)
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.
Vehicle Year: 2025 & Newer
Credit Grade: A+ Category = or > 725
Credit Rating: S (775+); LTV: 125% LTV with GAP; GPS: May Use
As low as
As low as; **76-84 month term available for model years 2025 and newer only.
As Low As; 2022 - 2024*
As Low As; 2025 & Newer
Up to 100% of NADA average retail or 100% of selling price, whichever is less. Membership Eligibility Required.
As Low As; Loans must be paid in full within 12 months or less, depends on when the loan origination date.
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
Vehicle Year: 2025 & Newer
Credit Rating: 730 & above
Credit Rating: 730 & above
Credit Rating: 730 & above
Rates shown are "as low as".
As low as
As low as
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.
Category A (690+); As Low As; Rate: 4.50% APR Floor Rate; Discount: 0.50% APR discount for an existing active checking account or an existing active Visa account or when applying online (through Eagle Express Web).
Vehicle Year: 2021-2024
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
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; Terms up to 96 months
As low as
As low as
Term: 48 month term or less; 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.
Cars, Trucks, & SUVs
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.
As low as; **76-84 month term available for model years 2025 and newer only. *Please call for rates on model years 2022 or older.
As Low As; 2022 - 2024*
APR based on 60 months and $45,000; 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; For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
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; Terms up to 96 months
As low as; Over $20,000
As low as; Over $20,000
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.
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 Grade: A; 700+
Credit Grade: A Category 660 - 724
Credit Grade: A+ Category = or > 725
As Low As*; Credit Score Performance Based
As Low As*; Credit Score Performance Based
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; Over $40,000
As low as; 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. 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.
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
As Low As*; Credit Score Performance Based
As Low As*; Credit Score Performance Based
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
Credit Rating: 730 & above
Credit Rating: 680-729
Credit Rating: 680-729
Credit Rating: 680-729
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.
Category B (660-689); As Low As; Rate: 4.50% APR Floor Rate; Discount: 0.50% APR discount for an existing active checking account or an existing active Visa account or when applying online (through Eagle Express Web).
Credit Grade: B; 660-699
Credit Grade: B; 660-699
Credit Grade: B; 660-699
Term: Maximum 72 months (6 years); Your rate depends on your Credit Score; Must have copy of window sticker; 100% + 5% of MSRP not to exceed actual purchase price; RATE range: 7.0% to 12.0%*
Vehicle Year: 2011 - 2015 Older Used
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); 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; RATE range: 7.5% to 13.0%*
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.
Credit Grade: B Category 620 - 659
Term: 73 - 84 Months (over $30,000); Credit Grade: A Category 660 - 724
As Low As*; Credit Score Performance Based
As Low As*; Credit Score Performance Based
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
Credit Rating: B (650-699); 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. 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.
Credit Grade: B Category 620 - 659
APR range: 8.572% - 18.00% APR
Credit Rating: B (650-699); LTV: 125% NADA with GAP; GPS: May Use
Credit Rating: 640-679
Credit Rating: 640-679
Credit Rating: 640-679
Credit Rating: 640-679
Category C (620-659); As Low As; Rate: 4.50% APR Floor Rate; Discount: 0.50% APR discount for an existing active checking account or an existing active Visa account or when applying online (through Eagle Express Web).
Credit Grade: C; 620-659
Term: 73 - 84 Months (over $30,000); Credit Grade: 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.
Credit Grade: C Category 600 - 619
Credit Grade: C; 620-659
Credit Grade: C Category 600 - 619
Credit Rating: C (600-649); LTV: 100% LTV with GAP; GPS: Required
Credit Rating: 600-639
Credit Rating: 600-639
Credit Rating: 600-639
Credit Rating: 600-639
Credit Grade: C; 620-659
Calhoun City New Auto Auto Loan Rates
Credit Rating: S (775+); LTV: 125% LTV with GAP; GPS: May Use
As low as; Auto Buying Service APR - 2025 & Newer as low as 2.64%
As Low As; 2025 & Newer
Credit Rating: S (775+); LTV: 125% LTV with GAP; GPS: May Use
As low as
As Low As; 2025 & Newer
Credit Rating: S (775+); LTV: 125% LTV with GAP; GPS: May Use
As Low As; 2022 - 2024*
Vehicle Year: 2025 & Newer
As Low As; Loans must be paid in full within 12 months or less, depends on when the loan origination date.
Credit Rating: A (700-774); LTV: 125% LTV with GAP; GPS: May Use
As Low As; Beginning as low as 4.49%
All quoted loan rates are APR rates (annual percentage rates)
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.
Vehicle Year: 2025 & Newer
Credit Grade: A+ Category = or > 725
Credit Rating: S (775+); LTV: 125% LTV with GAP; GPS: May Use
As low as; **76-84 month term available for model years 2025 and newer only.
As Low As; 2022 - 2024*
As Low As; 2025 & Newer
Credit Rating: A (700-774); LTV: 125% LTV with GAP; GPS: May Use
Vehicle Year: 2025 & Newer
Credit Rating: 730 & above
Credit Rating: 730 & above
Credit Rating: 730 & above
Rates shown are "as low as".
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.
Category A (690+); As Low As; Rate: 4.50% APR Floor Rate; Discount: 0.50% APR discount for an existing active checking account or an existing active Visa account or when applying online (through Eagle Express Web).
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
Credit Rating: A (700-774); LTV: 125% LTV with GAP; GPS: May Use
As Low As; Terms up to 96 months
As low as
Term: 48 month term or less; 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.
Credit Grade: A; 700+
Credit Grade: A Category 660 - 724
Credit Grade: A+ Category = or > 725
As Low As; 2022 - 2024*
APR based on 60 months and $45,000; For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
Credit Rating: A (700-774); LTV: 125% LTV with GAP; GPS: May Use
As low as; Over $20,000
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.
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+
Credit Grade: A Category 660 - 724
Credit Grade: A+ Category = or > 725
As Low As*; Credit Score Performance Based
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; Over $40,000
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
As Low As*; Credit Score Performance Based
Credit Rating: B (650-699); LTV: 125% LTV with GAP; GPS: May Use
Credit Rating: 730 & above
Credit Rating: 680-729
Credit Rating: 680-729
Credit Rating: 680-729
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.
Category B (660-689); As Low As; Rate: 4.50% APR Floor Rate; Discount: 0.50% APR discount for an existing active checking account or an existing active Visa account or when applying online (through Eagle Express Web).
Credit Grade: B; 660-699
Credit Grade: B; 660-699
Credit Grade: B; 660-699
Term: Maximum 72 months (6 years); Your rate depends on your Credit Score; Must have copy of window sticker; 100% + 5% of MSRP not to exceed actual purchase price; RATE range: 7.0% to 12.0%*
Credit Grade: B Category 620 - 659
Credit Rating: B (650-699); LTV: 125% LTV with GAP; GPS: May Use
Credit Grade: B; 660-699
Credit Grade: B Category 620 - 659
Term: 73 - 84 Months (over $30,000); Credit Grade: A Category 660 - 724
As Low As*; Credit Score Performance Based
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
Credit Rating: 640-679
Credit Rating: 640-679
Credit Rating: 640-679
Credit Rating: 640-679
Category C (620-659); As Low As; Rate: 4.50% APR Floor Rate; Discount: 0.50% APR discount for an existing active checking account or an existing active Visa account or when applying online (through Eagle Express Web).
Credit Grade: C; 620-659
Term: 73 - 84 Months (over $30,000); Credit Grade: B Category 620 - 659
Credit Grade: C Category 600 - 619
Credit Grade: C; 620-659
Credit Grade: C Category 600 - 619
Credit Rating: C (600-649); LTV: 100% LTV with GAP; GPS: Required
Credit Rating: 600-639
Credit Rating: 600-639
Credit Rating: 600-639
Credit Rating: 600-639
Credit Grade: C; 620-659
Calhoun City Used Auto Auto Loan Rates
Credit Rating: S (775+); LTV: 125% NADA with GAP; GPS: May Use
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)
Credit Grade: A+ Category = or > 725
As Low As; Loans must be paid in full within 12 months or less, depends on when the loan origination date.
Credit Rating: S (775+); LTV: 125% NADA with GAP; GPS: May Use
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.
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.
Category A (690+); As Low As; Rate: 4.50% APR Floor Rate; Discount: 0.50% APR discount for an existing active checking account or an existing active Visa account or when applying online (through Eagle Express Web).
Vehicle Year: 2021-2024
Credit Grade: A; 700+
Credit Grade: A; 700+
Credit Grade: A; 700+
Credit Grade: A Category 660 - 724
Credit Grade: A+ Category = or > 725
Vehicle Year: 2020
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
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.
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.
APR based on 60 months and $30,000; For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
Credit Rating: A (700-774); LTV: 125% NADA with GAP; GPS: May Use
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. 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 Grade: A; 700+
Credit Grade: A Category 660 - 724
Credit Grade: A+ Category = or > 725
As Low As*; Credit Score Performance Based
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. 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.
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
As Low As*; Credit Score Performance Based
Credit Rating: A (700-774); LTV: 125% NADA with GAP; GPS: May Use
Credit Rating: 730 & above
Credit Rating: 680-729
Credit Rating: 680-729
Credit Rating: 680-729
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.
Category B (660-689); As Low As; Rate: 4.50% APR Floor Rate; Discount: 0.50% APR discount for an existing active checking account or an existing active Visa account or when applying online (through Eagle Express Web).
Credit Grade: B; 660-699
Credit Grade: B; 660-699
Credit Grade: B; 660-699
Vehicle Year: 2011 - 2015 Older Used
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); 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; RATE range: 7.5% to 13.0%*
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.
Credit Grade: B Category 620 - 659
Term: 73 - 84 Months (over $30,000); Credit Grade: A Category 660 - 724
As Low As*; Credit Score Performance Based
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
Credit Rating: B (650-699); 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. 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.
Credit Grade: B Category 620 - 659
APR range: 8.572% - 18.00% APR
Credit Rating: B (650-699); LTV: 125% NADA with GAP; GPS: May Use
Credit Rating: 640-679
Credit Rating: 640-679
Credit Rating: 640-679
Credit Rating: 640-679
Category C (620-659); As Low As; Rate: 4.50% APR Floor Rate; Discount: 0.50% APR discount for an existing active checking account or an existing active Visa account or when applying online (through Eagle Express Web).
Credit Grade: C; 620-659
Term: 73 - 84 Months (over $30,000); Credit Grade: 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.
Credit Grade: C Category 600 - 619
Credit Grade: C; 620-659
Credit Grade: C Category 600 - 619
Credit Rating: 600-639
Credit Rating: 600-639
Credit Rating: 600-639
Credit Rating: 600-639
Credit Grade: C; 620-659
Calhoun City, MS Auto Loan Rate Trends
Compare local Calhoun City, MS 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 0.109 points over the past 7 days to 5.660% APR.
Mississippi used auto rates rose 0.090 points over the past 7 days to 5.763% APR.
Calhoun City, MS 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 @ 5.66% APR MS average | Used Auto @ 5.76% APR MS average | Monthly Difference |
|---|---|---|---|
| $15,000 | $287.63/mo | $288.34/mo | $0.72/mo |
| $25,000 | $479.38/mo | $480.57/mo | $1.19/mo |
| $35,000 | $671.13/mo | $672.80/mo | $1.67/mo |
| $45,000 | $862.88/mo | $865.03/mo | $2.15/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 Calhoun City, Mississippi
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Calhoun City, 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 Calhoun City, 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: Calhoun City, 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 (state-level data shown; city data not available)
A $575 monthly car payment works out to roughly 18.5% 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 Calhoun City, 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 Calhoun City, 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 Calhoun City, 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 Calhoun City, 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 Calhoun City, 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 Calhoun City, 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 Calhoun City, 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 Calhoun City, Mississippi?
- HealthPlus Federal Credit Union: 3.29% (New Auto Loan)
- Statewide Federal Credit Union: 3.49% (New Autos)
- Baxter Credit Union: 3.49% (Auto Loans - 2025 & Newer)
- Riverland Federal Credit Union: 3.50% (Auto Loans)
- Singing River Federal Credit Union: 3.74% (New & Used Auto)
Calhoun City, Mississippi Rates & Resources
