Madden, Mississippi auto loan rates from lenders serving Mississippi range from 3.29% to 7.57% APR, verified by MonitorBankRates as of October 15, 2026. Current auto loan rates in Madden, Mississippi include HealthPlus Federal Credit UnionHealthPlus Federal Credit UnionF2.0 ★Texas Ratio: 51.07% offering New Auto Loan at 3.29%, Statewide Federal Credit UnionStatewide Federal Credit UnionA+5.0 ★Texas Ratio: 3.52% offering New Auto Loan at 3.49%, Riverland Federal Credit UnionRiverland Federal Credit UnionA+5.0 ★Texas Ratio: 2.72% offering Auto Loans - Cars, Trucks, & SUVs at 3.50%, Singing River Federal Credit UnionSinging River Federal Credit UnionA+5.0 ★Texas Ratio: 3.43% offering New & Used Auto Loan at 3.74%, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 6.31% offering Auto Loan at 3.84%. Auto loan rates as of October 15, 2026 according to verified data from MonitorBankRates.
Madden borrowers have access to 32 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 Madden, Mississippi. Auto Loan Rates Last Updated and Verified: October 15, 2026
Credit Grade: S (775+); LTV: 125% LTV with GAP
Rate range: 3.49% - 18.00% APR; Subject to credit approval
APR range: 3.49% - 18.00%; Subject to credit approval
As Low As; Vehicle Loans (New, Used, & Refinanced)
Rate range: 3.74 - 15.49%; rate based on credit score, term, model year, amount financed, and relationship pricing
Credit Grade: S (775+); LTV: 125% LTV with GAP
As Low As; Model Year: 2025 & Newer
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; New vehicles
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles; Rates as of Oct 13, 2026 ET
Credit Grade: S (775+); LTV: 125% NADA with GAP
Rate range: 3.99 - 15.74%; rate based on credit score, term, model year, amount financed, and relationship pricing
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 = Annual Percentage Rate
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 = Annual Percentage Rate
As Low As; Business Vehicle Loan Rates; New vehicles: new and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles
As Low As; Vehicle Year: 2025 & Newer; A+ rate
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 = Annual Percentage Rate
As Low As; Rates based on loan term and applicant's credit history; Rates effective 06/01/2026
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; New vehicles
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles; Rates as of Oct 13, 2026 ET
Credit Grade: S (775+); LTV: 125% LTV with GAP
As Low As; Model Year: 2025 & Newer
As Low As; Actual rates and terms vary based on credit history, loan amount, and collateral.
Rate range: 4.39% - 18.00% APR; Subject to credit approval
APR range: 4.39% - 18.00%; Subject to credit approval
As Low As; Vehicle Year: 2025 & Newer; A+ rate
Credit Grade: A (700-774); LTV: 125% LTV with GAP
Credit Grade: S (775+); LTV: 125% NADA with GAP
As Low As; Rate as low as 4.49%, up to 7 years
Beginning as low as 4.49%
Published APR range: 4.50%-18.00%; Published rate range: 4.50%-18.00%.
As Low As; Vehicle Loans (New, Used, & Refinanced)
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; New vehicles
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles; Rates as of Oct 13, 2026 ET
As Low As; Featured rate; Your APR is based on credit worthiness, loan amount, current mileage, term of the loan and loan to value
Rate range: 4.69% - 18.00% APR; Subject to credit approval
APR range: 4.69% - 18.00%; Subject to credit approval
As Low As; Vehicle Year: 2025 & Newer; A+ rate
Rate range: 4.74 - 15.99%; rate based on credit score, term, model year, amount financed, and relationship pricing
Category: A+ Category = or > 725
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; Used vehicles
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 13, 2026 ET
Credit Grade: S (775+); LTV: 125% LTV with GAP
As Low As; Model Year: 2023 - 2024; Please call for rates on model years 2022 or older.
As Low As; Vehicle age: 2-6 years old; Actual rates and terms vary based on credit history, loan amount, and collateral.
As Low As; Models between 2-6 years old.
As Low As; Model Year: 2025; Terms may be extended on auto loans based on year model with approved credit
As Low As; Model Year: 2026; Terms may be extended on auto loans based on year model with approved credit
APR range 4.95% - 16.99%; Special 4.95%-16.99% APR auto loan rate for up to 96 months applies to new loans only with GCCFCU or refinances from another lender. Applies to new and used autos. 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.
Category A (690+); Limited-time offer effective 4-23-2025; Rate as stated, no discounts will apply; New and used vehicles
Credit Grade: A (700-774); LTV: 125% LTV with GAP
Credit Grade: S (775+); LTV: 125% NADA with GAP
Rate range: 4.99% - 18.00% APR; Subject to credit approval
APR range: 4.99% - 18.00%; Subject to credit approval
As Low As; Rate as low as 4.99%, up to 7 years
Rate range: 4.99 - 16.24; rate based on credit score, term, model year, amount financed, and relationship pricing
As Low As; Vehicle Year: 2025 & Newer; A+ rate
Credit Rating: 730 & above; Rate includes purchase of GAP; Subject to credit approval
Credit Rating: 730 & above; Rate includes purchase of GAP; Subject to credit approval
Credit Rating: 730 & above; Rate includes purchase of GAP; Subject to credit approval
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 = Annual Percentage Rate
As Low As; Rate based on credit score and loan-to-value; Offer good with approved credit for loans new to All In CU
As Low As; Rates based on loan term and applicant's credit history; Rates effective 06/01/2026
APR range: 5.00% - 18.00%; Daily Periodic Rate: 0.0123% - 0.0493%
New
As Low As; New
As Low As; Current and previous year's models
As Low As; Business Vehicle Loan Rates; Used vehicles: 2024 and older model years or any model year with over 30,000 miles
As Low As; Vehicle Year: 2021-2024; A+ rate
Rate range: 5.24 - 16.49%; rate based on credit score, term, model year, amount financed, and relationship pricing
As Low As; New Auto, 12-60 Month Term
Credit Grade A (700+); Used auto over 5 calendar years old: add 2% to rate; auto floor rate 5.25%
Credit Grade A (700+); Used auto over 5 calendar years old: add 2% to rate; auto floor rate 5.25%
Credit Grade A (700+); Used auto over 5 calendar years old: add 2% to rate; auto floor rate 5.25%
Category: A Category 660 - 724
Category: A+ Category = or > 725
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; Used vehicles
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 13, 2026 ET
Credit Grade: S (775+); LTV: 125% LTV with GAP
As Low As; Model Year: 2023 - 2024; Please call for rates on model years 2022 or older.
As Low As; Model Year: 2025 & Newer; 76-84 month term available for model years 2025 and newer only.
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; Used vehicles
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 13, 2026 ET
As Low As; Vehicle Year: 2020; A+ rate
Credit Grade: A (700-774); LTV: 125% LTV with GAP
Credit Grade: A (700-774); LTV: 125% NADA with GAP
Credit Grade: S (775+); LTV: 125% NADA with GAP
Term: Terms up to 96 months; APR* as low as; Auto Loan Rates
As Low As
As Low As; Rate based on credit score and loan-to-value; Offer good with approved credit for loans new to All In CU
As Low As; Vehicle Loans (New, Used, & Refinanced)
Rate range: 5.59% - 18.00% APR; Subject to credit approval
APR range: 5.59% - 18.00%; Subject to credit approval
As Low As; Vehicle Year: 2016-2019; A+ rate
As Low As; Model Year: 2025; Terms may be extended on auto loans based on year model with approved credit
As Low As; Model Year: 2026; Terms may be extended on auto loans based on year model with approved credit
As Low As; Current and previous year's models
As Low As; Models between 2-6 years old
Credit Grade A (700+); Used auto over 5 calendar years old: add 2% to rate; auto floor rate 5.25%
Category: A Category 660 - 724
Category: A+ Category = or > 725
Used
As Low As; Used
As Low As; Business Vehicle Loan Rates; New vehicles: new and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles
As Low As; Business Vehicle Loan Rates; New vehicles: new and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles
Term: up to 72 months ($20k+); As Low As; Model Year: 2025; Terms may be extended on auto loans based on year model with approved credit
Term: up to 72 months ($20k+); As Low As; Model Year: 2026; Terms may be extended on auto loans based on year model with approved credit
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 = Annual Percentage Rate
Term: up to 84 months ($40k+); As Low As; Model Year: 2025; Terms may be extended on auto loans based on year model with approved credit
Term: up to 84 months ($40k+); As Low As; Model Year: 2026; Terms may be extended on auto loans based on year model with approved credit
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; New vehicles
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles; Rates as of Oct 13, 2026 ET
Credit Grade: A (700-774); LTV: 125% LTV with GAP
Credit Grade: A (700-774); LTV: 125% NADA with GAP
Term: Terms up to 96 months; APR* as low as; Auto Loan Rates
As Low As
As Low As; Rate based on credit score and loan-to-value; Offer good with approved credit for loans new to All In CU
New
As Low As; New
As Low As; Current and previous year's models
As Low As; Models between 2-6 years old
As Low As; Model Year: 2022; Terms may be extended on auto loans based on year model with approved credit
As Low As; Model Year: 2023; Terms may be extended on auto loans based on year model with approved credit
As Low As; Model Year: 2024; Terms may be extended on auto loans based on year model with approved credit
Financing amount: $45,000; For online applicants with an excellent credit history; Rate varies by credit history, vehicle, financing amount and term
APR based on 60 months and $45,000 financing; for online applicants with excellent credit
As Low As; Rate based on credit score and loan-to-value; Offer good with approved credit for loans new to All In CU
As Low As; Rate based on credit score and loan-to-value; Offer good with approved credit for loans new to All In CU
As Low As; Rates based on loan term and applicant's credit history; Rates effective 06/01/2026
Over $30,000; Credit Grade A (700+); Used auto over 5 calendar years old: add 2% to rate; auto floor rate 5.25%
Category: A Category 660 - 724
Category: A+ Category = or > 725
As Low As; Rate is based on the Equifax Credit Report Score and Loan Term
As Low As; Rate is based on the Equifax Credit Report Score and Loan Term
Financing amount: $30,000; For online applicants with an excellent credit history; Rate varies by credit history, vehicle, financing amount and term
APR based on 60 months and $30,000 financing; for online applicants with excellent credit
As Low As; Business Vehicle Loan Rates; Used vehicles: 2024 and older model years or any model year with over 30,000 miles
As Low As; Model Year: 2023 - 2024; Please call for rates on model years 2022 or older.
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 = Annual Percentage Rate
Term: up to 72 months ($20k+); As Low As; Model Year: 2022; Terms may be extended on auto loans based on year model with approved credit
Term: up to 72 months ($20k+); As Low As; Model Year: 2023; Terms may be extended on auto loans based on year model with approved credit
Term: up to 72 months ($20k+); As Low As; Model Year: 2024; Terms may be extended on auto loans based on year model with approved credit
Credit Grade: B (650-699); LTV: 125% LTV with GAP
Credit Grade: A (700-774); LTV: 125% LTV with GAP
Credit Grade: A (700-774); LTV: 125% NADA with GAP
New
As Low As; New
Rate range: 6.59% - 18.00% APR; Subject to credit approval
As Low As; Current and previous year's models
As Low As; Models between 2-6 years old
As Low As; Rate based on credit score and loan-to-value; 2017 and older max term 48 months; Offer good with approved credit for loans new to All In CU
Category: B Category 620 - 659
Category: A Category 660 - 724
Term: 73 - 84 Months (over $30,000); Category: A+ Category = or > 725
As Low As; Rate is based on the Equifax Credit Report Score and Loan Term
As Low As; Rate is based on the Equifax Credit Report Score and Loan Term
Over $40,000; As low as 6.49%
Over $40,000 & Under 75,000 miles; As low as 6.49%
Used
As Low As; Used
As Low As; Model Year: 2021; Terms may be extended on auto loans based on year model with approved credit
As Low As; Models 25 years or older.
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; Used vehicles
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 13, 2026 ET
Category B (660-689); Limited-time offer effective 4-23-2025; Rate as stated, no discounts will apply; New and used vehicles
APR as Low As; Est. Monthly Payment per $1,000: $30.97; Includes four-wheel all terrain vehicles (ATV), side-by-side utility vehicles (UTV) and golf carts that are gas, electric and diesel models that can also be considered street legal
Credit Grade: B (650-699); LTV: 125% LTV with GAP
Credit Grade: A (700-774); LTV: 125% NADA with GAP
Credit Rating: 730 & above; Rate includes purchase of GAP; Subject to credit approval
Credit Rating: 680-729; Rate includes purchase of GAP; Subject to credit approval
Credit Rating: 680-729; Rate includes purchase of GAP; Subject to credit approval
Credit Rating: 680-729; Rate includes purchase of GAP; Subject to credit approval
As Low As; Rate based on credit score and loan-to-value; Offer good with approved credit for loans new to All In CU
Credit Grade B (660-699); Used auto over 5 calendar years old: add 2% to rate; auto floor rate 5.25%
Credit Grade B (660-699); Used auto over 5 calendar years old: add 2% to rate; auto floor rate 5.25%
Credit Grade B (660-699); Used auto over 5 calendar years old: add 2% to rate; auto floor rate 5.25%
Term: Maximum 72 months (6 years); Published rate range: 7.0% to 12.0%*. Rate 7.0% to 12.0%*; Your rate depends on your Credit Score; Must have copy of window sticker; 100% + 5% of MSRP not to exceed actual purchase price
Used
New
As Low As; Used
As Low As; New
Term: up to 60 months ($20k+); As Low As; Model Year: 2021; Terms may be extended on auto loans based on year model with approved credit
As Low As; Models between 2-6 years old
Category: B Category 620 - 659
As Low As; Model Year: 2020 or Older; Terms may be extended on auto loans based on year model with approved credit
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; New vehicles; Minimum loan amount $30,000 for terms of 84-96 months; Terms over 84 months only for vehicles with fewer than 7,500 miles
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles; Loan terms greater than 84 months only for vehicles with fewer than 7,500 miles; Minimum loan amount $30,000 for 85-96 months; Rates as of Oct 13, 2026 ET
As Low As; Business Vehicle Loan Rates; Used vehicles: 2024 and older model years or any model year with over 30,000 miles
As Low As; Rates as of Oct 13, 2026 ET
As Low As; Rates as of Oct 13, 2026 ET
APR as Low As; Est. Monthly Payment per $1,000: $24.26; Includes four-wheel all terrain vehicles (ATV), side-by-side utility vehicles (UTV) and golf carts that are gas, electric and diesel models that can also be considered street legal
Credit Grade: B (650-699); LTV: 125% LTV with GAP
Credit Grade: B (650-699); LTV: 125% NADA with GAP
Credit Grade B (660-699); Used auto over 5 calendar years old: add 2% to rate; auto floor rate 5.25%
Term: Maximum 72 months (6 years); Published rate range: 7.5% to 13.0%*. Rate 7.5% to 13.0%*; 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
Term: up to 48 months ($20k+); As Low As; Model Year: 2020 or Older; Terms may be extended on auto loans based on year model with approved credit
Published APR range: 7.571% - 18.000%. As Low As; Term of 84 months only available for vehicles up to 2 years old and loan amounts of at least $35,000
Credit Grade: S (775+); LTV: 125% LTV with GAP
Rate range: 3.49% - 18.00% APR; Subject to credit approval
Rate range: 3.74 - 15.49%; rate based on credit score, term, model year, amount financed, and relationship pricing
Credit Grade: S (775+); LTV: 125% LTV with GAP
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; New vehicles
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles; Rates as of Oct 13, 2026 ET
Rate range: 3.99 - 15.74%; rate based on credit score, term, model year, amount financed, and relationship pricing
As Low As; Business Vehicle Loan Rates; New vehicles: new and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles
As Low As; Rates based on loan term and applicant's credit history; Rates effective 06/01/2026
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; New vehicles
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles; Rates as of Oct 13, 2026 ET
Credit Grade: S (775+); LTV: 125% LTV with GAP
As Low As; Actual rates and terms vary based on credit history, loan amount, and collateral.
Rate range: 4.39% - 18.00% APR; Subject to credit approval
Credit Grade: A (700-774); LTV: 125% LTV with GAP
As Low As; Rate as low as 4.49%, up to 7 years
Beginning as low as 4.49%
Published APR range: 4.50%-18.00%; Published rate range: 4.50%-18.00%.
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; New vehicles
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles; Rates as of Oct 13, 2026 ET
As Low As; Featured rate; Your APR is based on credit worthiness, loan amount, current mileage, term of the loan and loan to value
Rate range: 4.69% - 18.00% APR; Subject to credit approval
Rate range: 4.74 - 15.99%; rate based on credit score, term, model year, amount financed, and relationship pricing
Category: A+ Category = or > 725
Credit Grade: S (775+); LTV: 125% LTV with GAP
As Low As; Model Year: 2026; Terms may be extended on auto loans based on year model with approved credit
Credit Grade: A (700-774); LTV: 125% LTV with GAP
Rate range: 4.99% - 18.00% APR; Subject to credit approval
Rate range: 4.99 - 16.24; rate based on credit score, term, model year, amount financed, and relationship pricing
Credit Rating: 730 & above; Rate includes purchase of GAP; Subject to credit approval
Credit Rating: 730 & above; Rate includes purchase of GAP; Subject to credit approval
Credit Rating: 730 & above; Rate includes purchase of GAP; Subject to credit approval
As Low As; Rate based on credit score and loan-to-value; Offer good with approved credit for loans new to All In CU
APR range: 5.00% - 18.00%; Daily Periodic Rate: 0.0123% - 0.0493%
As Low As; Current and previous year's models
Rate range: 5.24 - 16.49%; rate based on credit score, term, model year, amount financed, and relationship pricing
As Low As; New Auto, 12-60 Month Term
Credit Grade A (700+); Used auto over 5 calendar years old: add 2% to rate; auto floor rate 5.25%
Credit Grade A (700+); Used auto over 5 calendar years old: add 2% to rate; auto floor rate 5.25%
Credit Grade A (700+); Used auto over 5 calendar years old: add 2% to rate; auto floor rate 5.25%
Category: A Category 660 - 724
Category: A+ Category = or > 725
Credit Grade: S (775+); LTV: 125% LTV with GAP
Credit Grade: A (700-774); LTV: 125% LTV with GAP
Term: Terms up to 96 months; APR* as low as; Auto Loan Rates
As Low As
As Low As; Rate based on credit score and loan-to-value; Offer good with approved credit for loans new to All In CU
Rate range: 5.59% - 18.00% APR; Subject to credit approval
As Low As; Model Year: 2026; Terms may be extended on auto loans based on year model with approved credit
As Low As; Current and previous year's models
Credit Grade A (700+); Used auto over 5 calendar years old: add 2% to rate; auto floor rate 5.25%
Category: A Category 660 - 724
Category: A+ Category = or > 725
As Low As; Business Vehicle Loan Rates; New vehicles: new and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles
As Low As; Business Vehicle Loan Rates; New vehicles: new and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles
Term: up to 72 months ($20k+); As Low As; Model Year: 2026; Terms may be extended on auto loans based on year model with approved credit
Term: up to 84 months ($40k+); As Low As; Model Year: 2026; Terms may be extended on auto loans based on year model with approved credit
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; New vehicles
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles; Rates as of Oct 13, 2026 ET
Credit Grade: A (700-774); LTV: 125% LTV with GAP
As Low As
As Low As; Rate based on credit score and loan-to-value; Offer good with approved credit for loans new to All In CU
As Low As; Current and previous year's models
Financing amount: $45,000; For online applicants with an excellent credit history; Rate varies by credit history, vehicle, financing amount and term
APR based on 60 months and $45,000 financing; for online applicants with excellent credit
As Low As; Rate based on credit score and loan-to-value; Offer good with approved credit for loans new to All In CU
Over $30,000; Credit Grade A (700+); Used auto over 5 calendar years old: add 2% to rate; auto floor rate 5.25%
Category: A Category 660 - 724
Category: A+ Category = or > 725
As Low As; Rate is based on the Equifax Credit Report Score and Loan Term
Credit Grade: B (650-699); LTV: 125% LTV with GAP
Credit Grade: A (700-774); LTV: 125% LTV with GAP
Rate range: 6.59% - 18.00% APR; Subject to credit approval
As Low As; Current and previous year's models
Category: B Category 620 - 659
Category: A Category 660 - 724
Term: 73 - 84 Months (over $30,000); Category: A+ Category = or > 725
As Low As; Rate is based on the Equifax Credit Report Score and Loan Term
Over $40,000; As low as 6.49%
APR as Low As; Est. Monthly Payment per $1,000: $30.97; Includes four-wheel all terrain vehicles (ATV), side-by-side utility vehicles (UTV) and golf carts that are gas, electric and diesel models that can also be considered street legal
Credit Grade: B (650-699); LTV: 125% LTV with GAP
Credit Rating: 730 & above; Rate includes purchase of GAP; Subject to credit approval
Credit Rating: 680-729; Rate includes purchase of GAP; Subject to credit approval
Credit Rating: 680-729; Rate includes purchase of GAP; Subject to credit approval
Credit Rating: 680-729; Rate includes purchase of GAP; Subject to credit approval
As Low As; Rate based on credit score and loan-to-value; Offer good with approved credit for loans new to All In CU
Credit Grade B (660-699); Used auto over 5 calendar years old: add 2% to rate; auto floor rate 5.25%
Credit Grade B (660-699); Used auto over 5 calendar years old: add 2% to rate; auto floor rate 5.25%
Credit Grade B (660-699); Used auto over 5 calendar years old: add 2% to rate; auto floor rate 5.25%
Term: Maximum 72 months (6 years); Published rate range: 7.0% to 12.0%*. Rate 7.0% to 12.0%*; Your rate depends on your Credit Score; Must have copy of window sticker; 100% + 5% of MSRP not to exceed actual purchase price
Category: B Category 620 - 659
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; New vehicles; Minimum loan amount $30,000 for terms of 84-96 months; Terms over 84 months only for vehicles with fewer than 7,500 miles
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles; Loan terms greater than 84 months only for vehicles with fewer than 7,500 miles; Minimum loan amount $30,000 for 85-96 months; Rates as of Oct 13, 2026 ET
APR as Low As; Est. Monthly Payment per $1,000: $24.26; Includes four-wheel all terrain vehicles (ATV), side-by-side utility vehicles (UTV) and golf carts that are gas, electric and diesel models that can also be considered street legal
Credit Grade: B (650-699); LTV: 125% LTV with GAP
Credit Grade B (660-699); Used auto over 5 calendar years old: add 2% to rate; auto floor rate 5.25%
Published APR range: 7.571% - 18.000%. As Low As; Term of 84 months only available for vehicles up to 2 years old and loan amounts of at least $35,000
APR range: 3.49% - 18.00%; Subject to credit approval
Rate range: 3.74 - 15.49%; rate based on credit score, term, model year, amount financed, and relationship pricing
Credit Grade: S (775+); LTV: 125% NADA with GAP
Rate range: 3.99 - 15.74%; rate based on credit score, term, model year, amount financed, and relationship pricing
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 = Annual Percentage Rate
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 = Annual Percentage Rate
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 = Annual Percentage Rate
APR range: 4.39% - 18.00%; Subject to credit approval
Credit Grade: S (775+); LTV: 125% NADA with GAP
Beginning as low as 4.49%
Published APR range: 4.50%-18.00%; Published rate range: 4.50%-18.00%.
APR range: 4.69% - 18.00%; Subject to credit approval
Rate range: 4.74 - 15.99%; rate based on credit score, term, model year, amount financed, and relationship pricing
Category: A+ Category = or > 725
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; Used vehicles
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 13, 2026 ET
As Low As; Vehicle age: 2-6 years old; Actual rates and terms vary based on credit history, loan amount, and collateral.
As Low As; Models between 2-6 years old.
Credit Grade: S (775+); LTV: 125% NADA with GAP
APR range: 4.99% - 18.00%; Subject to credit approval
As Low As; Rate as low as 4.99%, up to 7 years
Rate range: 4.99 - 16.24; rate based on credit score, term, model year, amount financed, and relationship pricing
Credit Rating: 730 & above; Rate includes purchase of GAP; Subject to credit approval
Credit Rating: 730 & above; Rate includes purchase of GAP; Subject to credit approval
Credit Rating: 730 & above; Rate includes purchase of GAP; Subject to credit approval
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 = Annual Percentage Rate
As Low As; Rate based on credit score and loan-to-value; Offer good with approved credit for loans new to All In CU
As Low As; Rates based on loan term and applicant's credit history; Rates effective 06/01/2026
APR range: 5.00% - 18.00%; Daily Periodic Rate: 0.0123% - 0.0493%
As Low As; Business Vehicle Loan Rates; Used vehicles: 2024 and older model years or any model year with over 30,000 miles
Rate range: 5.24 - 16.49%; rate based on credit score, term, model year, amount financed, and relationship pricing
Credit Grade A (700+); Used auto over 5 calendar years old: add 2% to rate; auto floor rate 5.25%
Credit Grade A (700+); Used auto over 5 calendar years old: add 2% to rate; auto floor rate 5.25%
Credit Grade A (700+); Used auto over 5 calendar years old: add 2% to rate; auto floor rate 5.25%
Category: A Category 660 - 724
Category: A+ Category = or > 725
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; Used vehicles
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 13, 2026 ET
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; Used vehicles
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 13, 2026 ET
Credit Grade: A (700-774); LTV: 125% NADA with GAP
Credit Grade: S (775+); LTV: 125% NADA with GAP
As Low As; Rate based on credit score and loan-to-value; Offer good with approved credit for loans new to All In CU
APR range: 5.59% - 18.00%; Subject to credit approval
As Low As; Models between 2-6 years old
Credit Grade A (700+); Used auto over 5 calendar years old: add 2% to rate; auto floor rate 5.25%
Category: A Category 660 - 724
Category: 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 = Annual Percentage Rate
Credit Grade: A (700-774); LTV: 125% NADA with GAP
Term: Terms up to 96 months; APR* as low as; Auto Loan Rates
As Low As; Rate based on credit score and loan-to-value; Offer good with approved credit for loans new to All In CU
As Low As; Models between 2-6 years old
As Low As; Rate based on credit score and loan-to-value; Offer good with approved credit for loans new to All In CU
As Low As; Rate based on credit score and loan-to-value; Offer good with approved credit for loans new to All In CU
As Low As; Rates based on loan term and applicant's credit history; Rates effective 06/01/2026
Over $30,000; Credit Grade A (700+); Used auto over 5 calendar years old: add 2% to rate; auto floor rate 5.25%
Category: A Category 660 - 724
Category: A+ Category = or > 725
As Low As; Rate is based on the Equifax Credit Report Score and Loan Term
Financing amount: $30,000; For online applicants with an excellent credit history; Rate varies by credit history, vehicle, financing amount and term
APR based on 60 months and $30,000 financing; for online applicants with excellent credit
As Low As; Business Vehicle Loan Rates; Used vehicles: 2024 and older model years or any model year with over 30,000 miles
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 = Annual Percentage Rate
Credit Grade: A (700-774); LTV: 125% NADA with GAP
As Low As; Models between 2-6 years old
As Low As; Rate based on credit score and loan-to-value; 2017 and older max term 48 months; Offer good with approved credit for loans new to All In CU
Category: B Category 620 - 659
Category: A Category 660 - 724
Term: 73 - 84 Months (over $30,000); Category: A+ Category = or > 725
As Low As; Rate is based on the Equifax Credit Report Score and Loan Term
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; Used vehicles
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 13, 2026 ET
Credit Grade: A (700-774); LTV: 125% NADA with GAP
Credit Rating: 730 & above; Rate includes purchase of GAP; Subject to credit approval
Credit Rating: 680-729; Rate includes purchase of GAP; Subject to credit approval
Credit Rating: 680-729; Rate includes purchase of GAP; Subject to credit approval
Credit Rating: 680-729; Rate includes purchase of GAP; Subject to credit approval
As Low As; Rate based on credit score and loan-to-value; Offer good with approved credit for loans new to All In CU
Credit Grade B (660-699); Used auto over 5 calendar years old: add 2% to rate; auto floor rate 5.25%
Credit Grade B (660-699); Used auto over 5 calendar years old: add 2% to rate; auto floor rate 5.25%
Credit Grade B (660-699); Used auto over 5 calendar years old: add 2% to rate; auto floor rate 5.25%
As Low As; Models between 2-6 years old
Category: B Category 620 - 659
As Low As; Business Vehicle Loan Rates; Used vehicles: 2024 and older model years or any model year with over 30,000 miles
Credit Grade: B (650-699); LTV: 125% NADA with GAP
Credit Grade B (660-699); Used auto over 5 calendar years old: add 2% to rate; auto floor rate 5.25%
Term: Maximum 72 months (6 years); Published rate range: 7.5% to 13.0%*. Rate 7.5% to 13.0%*; 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
Compare local Madden, 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 0.068 points over the past 7 days to 5.134% APR.
Mississippi used auto rates rose 0.020 points over the past 7 days to 5.774% APR.
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.
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.
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 @ 5.13% APR MS average | Used Auto @ 5.77% APR MS average | Monthly Difference |
|---|---|---|---|
| $15,000 | $283.99/mo | $288.42/mo | $4.43/mo |
| $25,000 | $473.31/mo | $480.70/mo | $7.38/mo |
| $35,000 | $662.64/mo | $672.97/mo | $10.34/mo |
| $45,000 | $851.96/mo | $865.25/mo | $13.29/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.
A preapproval from a bank or credit union serving Madden, 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.
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.
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.
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.
Local demographics and economic context for car buyers. Source: U.S. Census Bureau (state-level data shown; city data not available)
A $568 monthly car payment works out to roughly 18.2% of the median individual income in Mississippi. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.
An auto loan isn’t the only way to finance a vehicle in Madden, 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 to 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 to 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.
Estimate your monthly payment on a new or used vehicle in Madden, 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.
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Madden, 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 Madden, 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 Madden, 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.
You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.
| Credit Tier | Score Range | New Car APR | Used Car APR | $25,000 Used, 60 Mo. |
|---|---|---|---|---|
| Super prime | 781 to 850 | 4.41% | 6.29% | $487/mo |
| Prime | 661 to 780 | 6.15% | 8.81% | $517/mo |
| Near prime | 601 to 660 | 9.71% | 13.93% | $581/mo |
| Subprime | 501 to 600 | 13.52% | 19.10% | $650/mo |
| Deep subprime | 300 to 500 | 16.11% | 21.62% | $685/mo |
Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.
A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.
A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.
A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.
A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.
These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.