Auto Loan Rates in Meridian, Mississippi (MS) for July 2026
Brian McKay
Brian McKay
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Current auto loan rates in Meridian, Mississippi include Meridian Mississippi ANG Federal Credit UnionMeridian Mississippi ANG Federal Credit Union6225 M St Bldg 305, Meridian, MS, 39307A+5.0 ★Texas Ratio: 2.75% offering New Vehicle Loans at 3.25%, Singing River Federal Credit UnionSinging River Federal Credit Union4400 Highway 39 N, Meridian, MS, 39301 1009A+5.0 ★Texas Ratio: 2.13% offering New & Used Auto at 3.79%, 1st Mississippi Federal Credit Union1st Mississippi Federal Credit Union600 19th Ave, Meridian, MS, 39301A+5.0 ★Texas Ratio: 2.33% offering Used Vehicles 36 - 48 Months Loan at 4.75%, Statewide Federal Credit UnionStatewide Federal Credit UnionA+5.0 ★Texas Ratio: 3.45% offering New Autos at 3.49%, Riverland Federal Credit UnionRiverland Federal Credit UnionA+5.0 ★Texas Ratio: 4.06% offering Auto Loans at 3.50%. Auto loan rates as of June 29, 2026 according to verified data from MonitorBankRates.
Meridian has 3 local institutions in our database, with auto loan rates as low as 3.25% APR from Meridian Mississippi ANG Federal Credit Union at 6225 M St Bldg 305, Meridian, MS, 39307. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Meridian, Mississippi. Auto Loan Rates Last Updated and Verified: June 29, 2026
Compare Auto Loan Rates Today in Meridian, Mississippi & Surrounding Area
Meridian Auto Loan Rates
2025-2026 (will finance 1st tag and GAP Insurance)
2025-2026(will finance 1st tag and GAP Insurance)
2025-2026(will finance 1st tag and GAP Insurance)
Rate: 3.79% - 15.04%
Rate: 3.99% - 15.24%
2025-2026 (will finance 1st tag and GAP Insurance)
2025-2026 (will finance 1st tag and GAP insurance)
2020 - 2025
2020- 2025
2020 - 2025
2020 - 2025
2020 - 2025
2020 - 2025
Rate: 5.25% - 16.49%
Rate: 5.49% - 16.49%
Rate: 5.74% - 16.49%
2020 - 2025
2020 - 2025
2005 and Older
2006 through 2014
2005 and Older
2015 through 2019
2006 through 2014
2015 through 2019
Cars, Trucks, & SUVs; As Low As
As Low As
As Low As; 2026 & Newer
As Low As; Current and prior year
As Low As
As Low As; Est. Monthly Payment per $1,000: $29.76
As Low As; Beginning as low as 4.49%
As Low As
Daily Periodic Rate: 0.0123% - 0.0493%
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.
A+ Category = or > 725
As Low As
As Low As; Est. Monthly Payment per $1,000: $23.04
As Low As
Annual Percentage Rates shown are "as low as". All rates are subject to change without notice.
As Low As; 2-6 Model Year
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. 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.
Up to 100% of NADA average retail or 100% of selling price, whichever is less. Example: Monthly payments are approximately $43.10 per $1,000 borrowed for 24 months at 5.00% APR. Special 5.00%-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 fee and eligibility required: You must live, work, worship, or attend school in Harrison, Hancock, Jackson, or Stone County.
As Low As; 2023 - 2025*
A Category 660 - 724
Credit Score 700+ Rate
Credit Score 700+ Rate
Credit Score 700+ Rate
As Low As
As Low As; Est. Monthly Payment per $1,000: $19.11
As low as; Terms up to 96 months
APR* 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. 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.
A Category 660 - 724
Credit Score 700+ Rate
As Low As
As Low As; Est. Monthly Payment per $1,000: $16.57
As low as; Terms up to 96 months
APR* 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. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
As Low As
As Low As; 7-14 Model Year
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. 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. 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.
A Category 660 - 724
Over $30,000; Credit Score 700+ Rate
As Low As; Seasonal Special
As Low As; Credit Score Performance Based
As Low As; Credit Score Performance Based
As Low As
As Low As; Est. Monthly Payment per $1,000: $14.84
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
B Category 620 - 659
As Low As; Credit Score Performance Based
As Low As; Credit Score Performance Based
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. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
Rate 7.0% to 12.0%* (Your rate depends on your Credit Score)
Credit Score 660-699 Rate
Credit Score 660-699 Rate
Credit Score 660-699 Rate
B Category 620 - 659
As Low As
As Low As
Rate 7.5% to 13.0%* (Your rate depends on your Credit Score and the year of the car)
Credit Score 660-699 Rate
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
B Category 620 - 659
As Low As; Credit Score Performance Based
As Low As; Credit Score Performance Based
As Low As
As Low As
Over $30,000; Credit Score 660-699 Rate
As Low As; Credit Score Performance Based
As Low As; Credit Score Performance Based
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. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
B Category 620 - 659
B Category 620 - 659
Credit Score 620-659 Rate
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
C Category 600 - 619
C Category 600 - 619
Credit Score 620-659 Rate
Credit Score 620-659 Rate
C Category 600 - 619
C Category 600 - 619
C Category 600 - 619
Credit Score 620-659 Rate
D Category = or < 599
Over $30,000; Credit Score 620-659 Rate
D Category = or < 599
Credit Score 515-619 Rate
Credit Score 515-619 Rate
D Category = or < 599
Credit Score 515-619 Rate
D Category = or < 599
D Category = or < 599
Credit Score 515-619 Rate
Over $30,000; Credit Score 515-619 Rate
Meridian New Auto Auto Loan Rates
2025-2026 (will finance 1st tag and GAP Insurance)
2025-2026(will finance 1st tag and GAP Insurance)
2025-2026(will finance 1st tag and GAP Insurance)
Rate: 3.79% - 15.04%
Rate: 3.99% - 15.24%
2025-2026 (will finance 1st tag and GAP Insurance)
2025-2026 (will finance 1st tag and GAP insurance)
Rate: 5.25% - 16.49%
Rate: 5.49% - 16.49%
Rate: 5.74% - 16.49%
As Low As
As Low As; Current and prior year
As Low As
As Low As; Beginning as low as 4.49%
As Low As
Daily Periodic Rate: 0.0123% - 0.0493%
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.
A+ Category = or > 725
As Low As
Annual Percentage Rates shown are "as low as". All rates are subject to change without notice.
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. 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.
A Category 660 - 724
Credit Score 700+ Rate
Credit Score 700+ Rate
Credit Score 700+ Rate
As Low As
As low as; Terms up to 96 months
APR* 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. 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.
A Category 660 - 724
Credit Score 700+ Rate
As Low As
APR* 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. 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. 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.
A Category 660 - 724
Over $30,000; Credit Score 700+ Rate
As Low As; Credit Score Performance Based
B Category 620 - 659
As Low As; Credit Score Performance Based
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. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
Rate 7.0% to 12.0%* (Your rate depends on your Credit Score)
Credit Score 660-699 Rate
Credit Score 660-699 Rate
Credit Score 660-699 Rate
B Category 620 - 659
As Low As
Credit Score 660-699 Rate
B Category 620 - 659
As Low As; Credit Score Performance Based
As Low As
Over $30,000; Credit Score 660-699 Rate
As Low As; Credit Score Performance Based
B Category 620 - 659
B Category 620 - 659
Credit Score 620-659 Rate
C Category 600 - 619
C Category 600 - 619
Credit Score 620-659 Rate
Credit Score 620-659 Rate
C Category 600 - 619
C Category 600 - 619
C Category 600 - 619
Credit Score 620-659 Rate
D Category = or < 599
Over $30,000; Credit Score 620-659 Rate
D Category = or < 599
Credit Score 515-619 Rate
Credit Score 515-619 Rate
D Category = or < 599
Credit Score 515-619 Rate
D Category = or < 599
D Category = or < 599
Credit Score 515-619 Rate
Over $30,000; Credit Score 515-619 Rate
Meridian Used Auto Auto Loan Rates
Rate: 3.79% - 15.04%
Rate: 3.99% - 15.24%
2020 - 2025
2020- 2025
2020 - 2025
2020 - 2025
2020 - 2025
2020 - 2025
Rate: 5.25% - 16.49%
Rate: 5.49% - 16.49%
Rate: 5.74% - 16.49%
2020 - 2025
2020 - 2025
2005 and Older
2006 through 2014
2005 and Older
2015 through 2019
2006 through 2014
2015 through 2019
As Low As; Est. Monthly Payment per $1,000: $29.76
As Low As; Beginning as low as 4.49%
Daily Periodic Rate: 0.0123% - 0.0493%
A+ Category = or > 725
As Low As; Est. Monthly Payment per $1,000: $23.04
As Low As
As Low As; 2-6 Model Year
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. 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.
A Category 660 - 724
Credit Score 700+ Rate
Credit Score 700+ Rate
Credit Score 700+ Rate
As Low As; Est. Monthly Payment per $1,000: $19.11
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. 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.
A Category 660 - 724
Credit Score 700+ Rate
As Low As; Est. Monthly Payment per $1,000: $16.57
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. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
As Low As; 7-14 Model Year
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. 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. 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.
A Category 660 - 724
Over $30,000; Credit Score 700+ Rate
As Low As; Credit Score Performance Based
As Low As; Est. Monthly Payment per $1,000: $14.84
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
B Category 620 - 659
As Low As; Credit Score Performance Based
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
Credit Score 660-699 Rate
Credit Score 660-699 Rate
Credit Score 660-699 Rate
B Category 620 - 659
Rate 7.5% to 13.0%* (Your rate depends on your Credit Score and the year of the car)
Credit Score 660-699 Rate
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
B Category 620 - 659
As Low As; Credit Score Performance Based
Over $30,000; Credit Score 660-699 Rate
As Low As; Credit Score Performance Based
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
B Category 620 - 659
B Category 620 - 659
Credit Score 620-659 Rate
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
C Category 600 - 619
C Category 600 - 619
Credit Score 620-659 Rate
Credit Score 620-659 Rate
C Category 600 - 619
C Category 600 - 619
C Category 600 - 619
Credit Score 620-659 Rate
D Category = or < 599
Over $30,000; Credit Score 620-659 Rate
D Category = or < 599
Credit Score 515-619 Rate
Credit Score 515-619 Rate
D Category = or < 599
Credit Score 515-619 Rate
D Category = or < 599
D Category = or < 599
Credit Score 515-619 Rate
Over $30,000; Credit Score 515-619 Rate
Meridian, MS Auto Loan Rate Trends
Compare local Meridian, 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 0.070 points over the past 7 days to 4.820% APR.
Mississippi used auto rates rose 0.050 points over the past 7 days to 5.699% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Meridian, 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 Meridian, 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 Meridian, 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 Meridian, 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?
What are the best Auto Loan rates in Meridian, Mississippi?
- Meridian Mississippi ANG Federal Credit Union: 3.25% (New Vehicle Loans)
- Singing River Federal Credit Union: 3.79% (New & Used Auto)
- 1st Mississippi Federal Credit Union: 4.75% (Used Vehicles 36 - 48 Months Loan)
- Statewide Federal Credit Union: 3.49% (New Autos)
- Riverland Federal Credit Union: 3.50% (Auto Loans)
Meridian, Mississippi Rates & Resources
