Auto Loan Rates in Midnight, Mississippi (MS) for May 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Midnight, Mississippi. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Midnight, Mississippi include Brightview Federal Credit UnionBrightview Federal Credit UnionA+5.0 ★Texas Ratio: 2.29% offering Automobiles at 2.50%, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% offering Auto Loans at 3.24%, Meridian Mississippi ANG Federal Credit UnionMeridian Mississippi ANG Federal Credit UnionA+5.0 ★Texas Ratio: 2.78% offering New Vehicle Loans (36 Months) at 3.25%, Riverland Federal Credit UnionRiverland Federal Credit UnionA+5.0 ★Texas Ratio: 4.24% offering Auto Loans at 3.50%, Singing River Federal Credit UnionSinging River Federal Credit UnionA+5.0 ★Texas Ratio: 2.33% offering New & Used Auto at 3.79%. Auto loan rates as of May 2, 2026 according to verified data from MonitorBankRates.
Midnight borrowers have access to 23 lenders serving the Mississippi area, with auto loan rates as low as 2.50% APR from Brightview Federal Credit Union. 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 Midnight, Mississippi. Auto Loan Rates Last Updated and Verified: May 2, 2026
Compare Auto Loan Rates Today in Midnight, Mississippi & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Brightview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
Automobiles
2.50%
up to 84 months
▼
APR2.50%
Termup to 84 months
Last UpdatedApr 25, 2026
Details
APR is Annual Percentage Rate. Effective as of 12-31-2025. Lowest rate based on all available discounts applied.
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.24%
Auto Buying Service
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMay 2, 2026
Details
As Low As; APR - 2026 & Newer
Meridian Mississippi ANG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
New Vehicle Loans (36 Months)
3.25%
36 Months
▼
APR3.25%
Term36 Months
Last UpdatedApr 18, 2026
Details
2025-2026 (will finance 1st tag and GAP Insurance)
Meridian Mississippi ANG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
New Vehicle Loans (48 Months)
3.50%
48 Months
▼
APR3.50%
Term48 Months
Last UpdatedApr 18, 2026
Details
2025-2026(will finance 1st tag and GAP Insurance)
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
Auto Loans
3.50%
Up to 36 months
▼
APR3.50%
TermUp to 36 months
Last UpdatedMay 2, 2026
Details
As Low As
Meridian Mississippi ANG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
New Vehicle Loans (60 Months)
3.75%
60 Months
▼
APR3.75%
Term60 Months
Last UpdatedApr 18, 2026
Details
2025-2026(will finance 1st tag and GAP Insurance)
Singing River Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New & Used Auto
3.79%
up to 36 mo.
▼
APR3.79%
Termup to 36 mo.
Last UpdatedApr 25, 2026
Details
Singing River Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New & Used Auto
3.99%
37 - 48 mo.
▼
APR3.99%
Term37 - 48 mo.
Last UpdatedApr 25, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.99%
0 - 75 Months
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMay 2, 2026
Details
As Low As; APR - 2026 & Newer
Meridian Mississippi ANG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
New Vehicle Loans (72 Months)
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedApr 18, 2026
Details
2025-2026 (will finance 1st tag and GAP Insurance)
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
2025 Auto Loan
4.35%
48 Months
▼
APR4.35%
Term48 Months
Last UpdatedApr 17, 2026
Details
As Low As
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
NEW! 2026 Auto Loan
4.35%
48 Months
▼
APR4.35%
Term48 Months
Last UpdatedApr 17, 2026
Details
As Low As
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
2025 Auto Loan
4.45%
60 Months
▼
APR4.45%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
NEW! 2026 Auto Loan
4.45%
60 Months
▼
APR4.45%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As
Magnolia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
New and Used Automobiles
4.49%
Up to 84 Months
▼
APR4.49%
TermUp to 84 Months
Last UpdatedApr 17, 2026
Details
Waters Edge Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.93%
New Auto
4.49%
up to 7 years
▼
APR4.49%
Termup to 7 years
Last UpdatedApr 25, 2026
Details
As Low As; New Auto Rate
Gulf Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.14%
New and Used Auto
4.49%
12-84 Months
▼
APR4.49%
Term12-84 Months
Last UpdatedMay 2, 2026
Details
As Low As; Beginning as low as 4.49%
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.49%
Auto Buying Service
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMay 2, 2026
Details
As Low As; APR - 2023 - 2025*
APCO Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
NEW AUTO
4.60%
63 Months
▼
APR4.60%
Term63 Months
Last UpdatedApr 19, 2026
Details
As Low As
Meridian Mississippi ANG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
New Vehicle Loans (84 months)
4.75%
84 Months
▼
APR4.75%
Term84 Months
Last UpdatedApr 18, 2026
Details
2025-2026 (will finance 1st tag and GAP insurance
Meridian Mississippi ANG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
Used Vehicle (2020 - 2025)36 Months Trade In
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedApr 18, 2026
Details
Meridian Mississippi ANG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
Used Vehicle (2020- 2025)36 Months Retail Value
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedApr 18, 2026
Details
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
New & Used Auto
4.75%
01 - 36
▼
APR4.75%
Term01 - 36
Last UpdatedApr 18, 2026
Details
A+ Category = or > 725
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
2025 Auto Loan
4.95%
84 Months
▼
APR4.95%
Term84 Months
Last UpdatedApr 17, 2026
Details
As Low As
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
NEW! 2026 Auto Loan
4.95%
84 Months
▼
APR4.95%
Term84 Months
Last UpdatedApr 17, 2026
Details
As Low As
Waters Edge Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.93%
Used Auto
4.99%
up to 7 years
▼
APR4.99%
Termup to 7 years
Last UpdatedApr 25, 2026
Details
As Low As; Used Auto Rate
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
Auto Loans
4.99%
12-60 Month Term
▼
APR4.99%
Term12-60 Month Term
Last UpdatedApr 27, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.99%
0 - 75 Months
▼
APR4.99%
Term0 - 75 Months
Last UpdatedMay 2, 2026
Details
As Low As; APR - 2023 - 2025*
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
New or Used Autos (2021-2027)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedMay 2, 2026
Details
As Low As
Gulf Coast Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.15%
Auto Loans
5.00%
96 Months
▼
APR5.00%
Term96 Months
Last UpdatedApr 17, 2026
Details
Up to 100% of NADA average retail or 100% of selling price, whichever is less.
Meridian Mississippi ANG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
Used Vehicle (2020 - 2025)48 Months Retail Value
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedApr 18, 2026
Details
Meridian Mississippi ANG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
Used Vehicle (2020 - 2025)48 Months Trade In
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedApr 18, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans New
5.00%
1 Year
▼
APR5.00%
Term1 Year
Last UpdatedMay 2, 2026
Details
Rivertrust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
New and Used Auto Loans
5.25%
24 - 84
▼
APR5.25%
Term24 - 84
Last UpdatedApr 17, 2026
Details
Meridian Mississippi ANG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
Used Vehicle (2020 - 2025)60 Months Retail Value
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedApr 18, 2026
Details
Meridian Mississippi ANG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
Used Vehicle (2020 - 2025)60 Months Trade In
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedApr 18, 2026
Details
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
New & Used Auto
5.25%
01 - 36
▼
APR5.25%
Term01 - 36
Last UpdatedApr 18, 2026
Details
A Category 660 - 724
Singing River Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New & Used Auto
5.25%
49 - 60 mo.
▼
APR5.25%
Term49 - 60 mo.
Last UpdatedApr 25, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
2022 Auto Loan
5.40%
72 Months
▼
APR5.40%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
2023 Auto Loan
5.40%
72 Months
▼
APR5.40%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
2024 Auto Loan
5.40%
72 Months
▼
APR5.40%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As
Ferguson Federal Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 20.66%
New Auto
5.49%
96 months
▼
APR5.49%
Term96 months
Last UpdatedApr 18, 2026
Details
As Low As
Singing River Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New & Used Auto
5.49%
61 - 72 mo.
▼
APR5.49%
Term61 - 72 mo.
Last UpdatedApr 25, 2026
Details
Southern Coastal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.01%
New Auto(Current & 2 year Models) 48 month term or less
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedMay 2, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
New or Used Autos (2021-2027)
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedMay 2, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
New & Used Vehicles2
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 18, 2026
Details
Singing River Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New & Used Auto
5.74%
73 - 84 mo.
▼
APR5.74%
Term73 - 84 mo.
Last UpdatedApr 25, 2026
Details
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
New & Used Auto
5.75%
37 - 48
▼
APR5.75%
Term37 - 48
Last UpdatedApr 18, 2026
Details
A Category 660 - 724
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans Used
5.75%
1 Year
▼
APR5.75%
Term1 Year
Last UpdatedMay 2, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
2021 Auto Loan
5.80%
48 Months
▼
APR5.80%
Term48 Months
Last UpdatedApr 17, 2026
Details
As Low As
Ferguson Federal Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 20.66%
Used Auto (2-9 years old)
5.99%
96 months
▼
APR5.99%
Term96 months
Last UpdatedApr 18, 2026
Details
As Low As
Southern Coastal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.01%
New Auto(72 month term
5.99%
72 months
▼
APR5.99%
Term72 months
Last UpdatedMay 2, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
5.99%
76 - 84 Months
▼
APR5.99%
Term76 - 84 Months
Last UpdatedMay 2, 2026
Details
As Low As; APR - 2023 - 2025*
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
New or Used Autos (2021-2027)
5.99%
60 months
▼
APR5.99%
Term60 months
Last UpdatedMay 2, 2026
Details
As Low As
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans New
6.00%
2 Years
▼
APR6.00%
Term2 Years
Last UpdatedMay 2, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
New or Used Autos (2021-2027)
6.24%
72 months
▼
APR6.24%
Term72 months
Last UpdatedMay 2, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
Used Autos (2020 & older)
6.24%
36 months
▼
APR6.24%
Term36 months
Last UpdatedMay 2, 2026
Details
As Low As
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
New & Used Auto
6.25%
49 - 60
▼
APR6.25%
Term49 - 60
Last UpdatedApr 18, 2026
Details
A Category 660 - 724
CenturyFirst Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.83%
New Automobiles & Motor Homes
6.25%
up to 36 months
▼
APR6.25%
Termup to 36 months
Last UpdatedMay 2, 2026
Details
APR as low as*
CenturyFirst Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.83%
Used Automobiles & Motor Homes
6.25%
up to 36 months
▼
APR6.25%
Termup to 36 months
Last UpdatedMay 2, 2026
Details
APR as low as*
Meridian Mississippi ANG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
Used Vehicle (2020 - 2025) 72 months
6.50%
72 Months
▼
APR6.50%
Term72 Months
Last UpdatedApr 18, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans New
6.50%
3 Years
▼
APR6.50%
Term3 Years
Last UpdatedMay 2, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
2020 or Older Auto Loan
6.55%
36 Months
▼
APR6.55%
Term36 Months
Last UpdatedApr 17, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
Used Autos (2020 & older)
6.74%
48 months
▼
APR6.74%
Term48 months
Last UpdatedMay 2, 2026
Details
As Low As
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
New & Used Auto
6.75%
01 - 36
▼
APR6.75%
Term01 - 36
Last UpdatedApr 18, 2026
Details
B Category 620 - 659
CenturyFirst Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.83%
New Automobiles & Motor Homes
6.75%
up to 48 months
▼
APR6.75%
Termup to 48 months
Last UpdatedMay 2, 2026
Details
APR as low as*
CenturyFirst Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.83%
Used Automobiles & Motor Homes
6.75%
up to 48 months
▼
APR6.75%
Termup to 48 months
Last UpdatedMay 2, 2026
Details
APR as low as*
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans Used
6.75%
2 Years
▼
APR6.75%
Term2 Years
Last UpdatedMay 2, 2026
Details
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.31%
New Outdoor Vehicle Loans
6.99%
36 Months
▼
APR6.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
New or Used Autos (2021-2027)
6.99%
90 months
▼
APR6.99%
Term90 months
Last UpdatedMay 2, 2026
Details
As Low As
Meridian Mississippi ANG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
Used Vehicle (2020 - 2025) 84 Month
7.00%
84 Months
▼
APR7.00%
Term84 Months
Last UpdatedApr 18, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans New
7.00%
4 Years
▼
APR7.00%
Term4 Years
Last UpdatedMay 2, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans Used
7.00%
3 Years
▼
APR7.00%
Term3 Years
Last UpdatedMay 2, 2026
Details
Meridian Mississippi ANG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
Used Vehicle Older Models (2005 and Older) Trade In
7.25%
24 Months
▼
APR7.25%
Term24 Months
Last UpdatedApr 18, 2026
Details
mos
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
New & Used Auto
7.25%
37 - 48
▼
APR7.25%
Term37 - 48
Last UpdatedApr 18, 2026
Details
B Category 620 - 659
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.31%
New Outdoor Vehicle Loans
7.49%
48 Months
▼
APR7.49%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Meridian Mississippi ANG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
Used Vehicle Older Models (2006 through 2014) Trade In
7.50%
36 Months
▼
APR7.50%
Term36 Months
Last UpdatedApr 18, 2026
Details
mos
Meridian Mississippi ANG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
Used Vehicle-Older Models (2005 and Older) Retail Value
7.50%
24 Months
▼
APR7.50%
Term24 Months
Last UpdatedApr 18, 2026
Details
mos
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
Vehicle Loans - New (Up to 2 Years Old)
7.57%
84 Months
▼
APR7.57%
Term84 Months
Last UpdatedMay 2, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
Used Autos (2020 & older)
7.74%
60 months
▼
APR7.74%
Term60 months
Last UpdatedMay 2, 2026
Details
As Low As
Meridian Mississippi ANG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
Used Vehicle Older Models (2015 through 2019) Trade In
7.75%
48 Months
▼
APR7.75%
Term48 Months
Last UpdatedApr 18, 2026
Details
mos
Meridian Mississippi ANG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
Used Vehicle-Older Models (2006 through 2014) Retail Value
7.75%
36 Months
▼
APR7.75%
Term36 Months
Last UpdatedApr 18, 2026
Details
mos
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
New & Used Auto
7.75%
49 - 60
▼
APR7.75%
Term49 - 60
Last UpdatedApr 18, 2026
Details
B Category 620 - 659
CenturyFirst Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.83%
New Automobiles & Motor Homes
7.75%
up to 60 months
▼
APR7.75%
Termup to 60 months
Last UpdatedMay 2, 2026
Details
APR as low as*
CenturyFirst Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.83%
Used Automobiles & Motor Homes
7.75%
up to 60 months
▼
APR7.75%
Termup to 60 months
Last UpdatedMay 2, 2026
Details
APR as low as*
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.31%
New Outdoor Vehicle Loans
7.99%
60 Months
▼
APR7.99%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Mississippi National Guard Federal Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 26.90%
New Autos plus New/Used RVs
7.99%
84 Months
▼
APR7.99%
Term84 Months
Last UpdatedApr 18, 2026
Details
Meridian Mississippi ANG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
Used Vehicle-Older Models (2015 through 2019) Retail Value
8.00%
48 Months
▼
APR8.00%
Term48 Months
Last UpdatedApr 18, 2026
Details
mos
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans New
8.00%
5 Years
▼
APR8.00%
Term5 Years
Last UpdatedMay 2, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans Used
8.00%
4 Years
▼
APR8.00%
Term4 Years
Last UpdatedMay 2, 2026
Details
CenturyFirst Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.83%
New Automobiles & Motor Homes
8.25%
72 months
▼
APR8.25%
Term72 months
Last UpdatedMay 2, 2026
Details
APR as low as*
CenturyFirst Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.83%
Used Automobiles & Motor Homes
8.25%
72 months
▼
APR8.25%
Term72 months
Last UpdatedMay 2, 2026
Details
APR as low as*
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
Used Autos (2020 & older)
8.49%
72 months
▼
APR8.49%
Term72 months
Last UpdatedMay 2, 2026
Details
As Low As
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
New & Used Auto
8.50%
61 - 72
▼
APR8.50%
Term61 - 72
Last UpdatedApr 18, 2026
Details
B Category 620 - 659
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
Vehicle Loans - Used (More Than 2 Years Old)
8.57%
72 Months
▼
APR8.57%
Term72 Months
Last UpdatedMay 2, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Classic Vehicle Loans2
8.99%
Up to 4 years
▼
APR8.99%
TermUp to 4 years
Last UpdatedApr 18, 2026
Details
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
New & Used Auto
9.00%
73 - 84
▼
APR9.00%
Term73 - 84
Last UpdatedApr 18, 2026
Details
B Category 620 - 659
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans New
9.00%
6 Years
▼
APR9.00%
Term6 Years
Last UpdatedMay 2, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans Used
9.00%
5 Years
▼
APR9.00%
Term5 Years
Last UpdatedMay 2, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
Used Autos (2020 & older)
9.24%
90 months
▼
APR9.24%
Term90 months
Last UpdatedMay 2, 2026
Details
As Low As
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
New & Used Auto
9.25%
01 - 36
▼
APR9.25%
Term01 - 36
Last UpdatedApr 18, 2026
Details
C Category 600 - 619
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
New & Used Auto
9.50%
37 - 48
▼
APR9.50%
Term37 - 48
Last UpdatedApr 18, 2026
Details
C Category 600 - 619
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans New
10.00%
7 Years
▼
APR10.00%
Term7 Years
Last UpdatedMay 2, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans Used
10.00%
6 Years
▼
APR10.00%
Term6 Years
Last UpdatedMay 2, 2026
Details
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
New & Used Auto
10.25%
49 - 60
▼
APR10.25%
Term49 - 60
Last UpdatedApr 18, 2026
Details
C Category 600 - 619
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans Used
11.00%
7 Years
▼
APR11.00%
Term7 Years
Last UpdatedMay 2, 2026
Details
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
New & Used Auto
11.25%
61 - 72
▼
APR11.25%
Term61 - 72
Last UpdatedApr 18, 2026
Details
C Category 600 - 619
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
New & Used Auto
11.75%
73 - 84
▼
APR11.75%
Term73 - 84
Last UpdatedApr 18, 2026
Details
C Category 600 - 619
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
New & Used Auto
13.00%
01 - 36
▼
APR13.00%
Term01 - 36
Last UpdatedApr 18, 2026
Details
D Category = or < 599
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
New & Used Auto
13.50%
37 - 48
▼
APR13.50%
Term37 - 48
Last UpdatedApr 18, 2026
Details
D Category = or < 599
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
New & Used Auto
14.25%
49 - 60
▼
APR14.25%
Term49 - 60
Last UpdatedApr 18, 2026
Details
D Category = or < 599
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
New & Used Auto
14.75%
61 - 72
▼
APR14.75%
Term61 - 72
Last UpdatedApr 18, 2026
Details
D Category = or < 599
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
New & Used Auto
15.75%
73 - 84
▼
APR15.75%
Term73 - 84
Last UpdatedApr 18, 2026
Details
D Category = or < 599
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Meridian Mississippi ANG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
New Vehicle Loans (36 Months)
3.25%
36 Months
▼
APR3.25%
Term36 Months
Last UpdatedApr 18, 2026
Details
2025-2026 (will finance 1st tag and GAP Insurance)
Meridian Mississippi ANG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
New Vehicle Loans (48 Months)
3.50%
48 Months
▼
APR3.50%
Term48 Months
Last UpdatedApr 18, 2026
Details
2025-2026(will finance 1st tag and GAP Insurance)
Meridian Mississippi ANG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
New Vehicle Loans (60 Months)
3.75%
60 Months
▼
APR3.75%
Term60 Months
Last UpdatedApr 18, 2026
Details
2025-2026(will finance 1st tag and GAP Insurance)
Singing River Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New & Used Auto
3.79%
up to 36 mo.
▼
APR3.79%
Termup to 36 mo.
Last UpdatedApr 25, 2026
Details
Singing River Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New & Used Auto
3.99%
37 - 48 mo.
▼
APR3.99%
Term37 - 48 mo.
Last UpdatedApr 25, 2026
Details
Meridian Mississippi ANG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
New Vehicle Loans (72 Months)
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedApr 18, 2026
Details
2025-2026 (will finance 1st tag and GAP Insurance)
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
NEW! 2026 Auto Loan
4.35%
48 Months
▼
APR4.35%
Term48 Months
Last UpdatedApr 17, 2026
Details
As Low As
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
NEW! 2026 Auto Loan
4.45%
60 Months
▼
APR4.45%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As
Magnolia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
New and Used Automobiles
4.49%
Up to 84 Months
▼
APR4.49%
TermUp to 84 Months
Last UpdatedApr 17, 2026
Details
Waters Edge Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.93%
New Auto
4.49%
up to 7 years
▼
APR4.49%
Termup to 7 years
Last UpdatedApr 25, 2026
Details
As Low As; New Auto Rate
Gulf Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.14%
New and Used Auto
4.49%
12-84 Months
▼
APR4.49%
Term12-84 Months
Last UpdatedMay 2, 2026
Details
As Low As; Beginning as low as 4.49%
APCO Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
NEW AUTO
4.60%
63 Months
▼
APR4.60%
Term63 Months
Last UpdatedApr 19, 2026
Details
As Low As
Meridian Mississippi ANG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
New Vehicle Loans (84 months)
4.75%
84 Months
▼
APR4.75%
Term84 Months
Last UpdatedApr 18, 2026
Details
2025-2026 (will finance 1st tag and GAP insurance
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
New & Used Auto
4.75%
01 - 36
▼
APR4.75%
Term01 - 36
Last UpdatedApr 18, 2026
Details
A+ Category = or > 725
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
NEW! 2026 Auto Loan
4.95%
84 Months
▼
APR4.95%
Term84 Months
Last UpdatedApr 17, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
New or Used Autos (2021-2027)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedMay 2, 2026
Details
As Low As
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans New
5.00%
1 Year
▼
APR5.00%
Term1 Year
Last UpdatedMay 2, 2026
Details
Rivertrust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
New and Used Auto Loans
5.25%
24 - 84
▼
APR5.25%
Term24 - 84
Last UpdatedApr 17, 2026
Details
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
New & Used Auto
5.25%
01 - 36
▼
APR5.25%
Term01 - 36
Last UpdatedApr 18, 2026
Details
A Category 660 - 724
Singing River Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New & Used Auto
5.25%
49 - 60 mo.
▼
APR5.25%
Term49 - 60 mo.
Last UpdatedApr 25, 2026
Details
Ferguson Federal Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 20.66%
New Auto
5.49%
96 months
▼
APR5.49%
Term96 months
Last UpdatedApr 18, 2026
Details
As Low As
Singing River Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New & Used Auto
5.49%
61 - 72 mo.
▼
APR5.49%
Term61 - 72 mo.
Last UpdatedApr 25, 2026
Details
Southern Coastal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.01%
New Auto(Current & 2 year Models) 48 month term or less
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedMay 2, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
New or Used Autos (2021-2027)
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedMay 2, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
New & Used Vehicles2
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 18, 2026
Details
Singing River Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New & Used Auto
5.74%
73 - 84 mo.
▼
APR5.74%
Term73 - 84 mo.
Last UpdatedApr 25, 2026
Details
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
New & Used Auto
5.75%
37 - 48
▼
APR5.75%
Term37 - 48
Last UpdatedApr 18, 2026
Details
A Category 660 - 724
Southern Coastal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.01%
New Auto(72 month term
5.99%
72 months
▼
APR5.99%
Term72 months
Last UpdatedMay 2, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
New or Used Autos (2021-2027)
5.99%
60 months
▼
APR5.99%
Term60 months
Last UpdatedMay 2, 2026
Details
As Low As
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans New
6.00%
2 Years
▼
APR6.00%
Term2 Years
Last UpdatedMay 2, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
New or Used Autos (2021-2027)
6.24%
72 months
▼
APR6.24%
Term72 months
Last UpdatedMay 2, 2026
Details
As Low As
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
New & Used Auto
6.25%
49 - 60
▼
APR6.25%
Term49 - 60
Last UpdatedApr 18, 2026
Details
A Category 660 - 724
CenturyFirst Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.83%
New Automobiles & Motor Homes
6.25%
up to 36 months
▼
APR6.25%
Termup to 36 months
Last UpdatedMay 2, 2026
Details
APR as low as*
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans New
6.50%
3 Years
▼
APR6.50%
Term3 Years
Last UpdatedMay 2, 2026
Details
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
New & Used Auto
6.75%
01 - 36
▼
APR6.75%
Term01 - 36
Last UpdatedApr 18, 2026
Details
B Category 620 - 659
CenturyFirst Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.83%
New Automobiles & Motor Homes
6.75%
up to 48 months
▼
APR6.75%
Termup to 48 months
Last UpdatedMay 2, 2026
Details
APR as low as*
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.31%
New Outdoor Vehicle Loans
6.99%
36 Months
▼
APR6.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
New or Used Autos (2021-2027)
6.99%
90 months
▼
APR6.99%
Term90 months
Last UpdatedMay 2, 2026
Details
As Low As
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans New
7.00%
4 Years
▼
APR7.00%
Term4 Years
Last UpdatedMay 2, 2026
Details
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
New & Used Auto
7.25%
37 - 48
▼
APR7.25%
Term37 - 48
Last UpdatedApr 18, 2026
Details
B Category 620 - 659
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.31%
New Outdoor Vehicle Loans
7.49%
48 Months
▼
APR7.49%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
Vehicle Loans - New (Up to 2 Years Old)
7.57%
84 Months
▼
APR7.57%
Term84 Months
Last UpdatedMay 2, 2026
Details
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
New & Used Auto
7.75%
49 - 60
▼
APR7.75%
Term49 - 60
Last UpdatedApr 18, 2026
Details
B Category 620 - 659
CenturyFirst Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.83%
New Automobiles & Motor Homes
7.75%
up to 60 months
▼
APR7.75%
Termup to 60 months
Last UpdatedMay 2, 2026
Details
APR as low as*
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.31%
New Outdoor Vehicle Loans
7.99%
60 Months
▼
APR7.99%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Mississippi National Guard Federal Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 26.90%
New Autos plus New/Used RVs
7.99%
84 Months
▼
APR7.99%
Term84 Months
Last UpdatedApr 18, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans New
8.00%
5 Years
▼
APR8.00%
Term5 Years
Last UpdatedMay 2, 2026
Details
CenturyFirst Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.83%
New Automobiles & Motor Homes
8.25%
72 months
▼
APR8.25%
Term72 months
Last UpdatedMay 2, 2026
Details
APR as low as*
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
New & Used Auto
8.50%
61 - 72
▼
APR8.50%
Term61 - 72
Last UpdatedApr 18, 2026
Details
B Category 620 - 659
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
New & Used Auto
9.00%
73 - 84
▼
APR9.00%
Term73 - 84
Last UpdatedApr 18, 2026
Details
B Category 620 - 659
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans New
9.00%
6 Years
▼
APR9.00%
Term6 Years
Last UpdatedMay 2, 2026
Details
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
New & Used Auto
9.25%
01 - 36
▼
APR9.25%
Term01 - 36
Last UpdatedApr 18, 2026
Details
C Category 600 - 619
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
New & Used Auto
9.50%
37 - 48
▼
APR9.50%
Term37 - 48
Last UpdatedApr 18, 2026
Details
C Category 600 - 619
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans New
10.00%
7 Years
▼
APR10.00%
Term7 Years
Last UpdatedMay 2, 2026
Details
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
New & Used Auto
10.25%
49 - 60
▼
APR10.25%
Term49 - 60
Last UpdatedApr 18, 2026
Details
C Category 600 - 619
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
New & Used Auto
11.25%
61 - 72
▼
APR11.25%
Term61 - 72
Last UpdatedApr 18, 2026
Details
C Category 600 - 619
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
New & Used Auto
11.75%
73 - 84
▼
APR11.75%
Term73 - 84
Last UpdatedApr 18, 2026
Details
C Category 600 - 619
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
New & Used Auto
13.00%
01 - 36
▼
APR13.00%
Term01 - 36
Last UpdatedApr 18, 2026
Details
D Category = or < 599
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
New & Used Auto
13.50%
37 - 48
▼
APR13.50%
Term37 - 48
Last UpdatedApr 18, 2026
Details
D Category = or < 599
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
New & Used Auto
14.25%
49 - 60
▼
APR14.25%
Term49 - 60
Last UpdatedApr 18, 2026
Details
D Category = or < 599
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
New & Used Auto
14.75%
61 - 72
▼
APR14.75%
Term61 - 72
Last UpdatedApr 18, 2026
Details
D Category = or < 599
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
New & Used Auto
15.75%
73 - 84
▼
APR15.75%
Term73 - 84
Last UpdatedApr 18, 2026
Details
D Category = or < 599
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Singing River Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New & Used Auto
3.79%
up to 36 mo.
▼
APR3.79%
Termup to 36 mo.
Last UpdatedApr 25, 2026
Details
Singing River Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New & Used Auto
3.99%
37 - 48 mo.
▼
APR3.99%
Term37 - 48 mo.
Last UpdatedApr 25, 2026
Details
Magnolia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
New and Used Automobiles
4.49%
Up to 84 Months
▼
APR4.49%
TermUp to 84 Months
Last UpdatedApr 17, 2026
Details
Gulf Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.14%
New and Used Auto
4.49%
12-84 Months
▼
APR4.49%
Term12-84 Months
Last UpdatedMay 2, 2026
Details
As Low As; Beginning as low as 4.49%
Meridian Mississippi ANG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
Used Vehicle (2020 - 2025)36 Months Trade In
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedApr 18, 2026
Details
Meridian Mississippi ANG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
Used Vehicle (2020- 2025)36 Months Retail Value
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedApr 18, 2026
Details
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
New & Used Auto
4.75%
01 - 36
▼
APR4.75%
Term01 - 36
Last UpdatedApr 18, 2026
Details
A+ Category = or > 725
Waters Edge Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.93%
Used Auto
4.99%
up to 7 years
▼
APR4.99%
Termup to 7 years
Last UpdatedApr 25, 2026
Details
As Low As; Used Auto Rate
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
New or Used Autos (2021-2027)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedMay 2, 2026
Details
As Low As
Meridian Mississippi ANG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
Used Vehicle (2020 - 2025)48 Months Retail Value
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedApr 18, 2026
Details
Meridian Mississippi ANG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
Used Vehicle (2020 - 2025)48 Months Trade In
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedApr 18, 2026
Details
Rivertrust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
New and Used Auto Loans
5.25%
24 - 84
▼
APR5.25%
Term24 - 84
Last UpdatedApr 17, 2026
Details
Meridian Mississippi ANG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
Used Vehicle (2020 - 2025)60 Months Retail Value
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedApr 18, 2026
Details
Meridian Mississippi ANG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
Used Vehicle (2020 - 2025)60 Months Trade In
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedApr 18, 2026
Details
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
New & Used Auto
5.25%
01 - 36
▼
APR5.25%
Term01 - 36
Last UpdatedApr 18, 2026
Details
A Category 660 - 724
Singing River Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New & Used Auto
5.25%
49 - 60 mo.
▼
APR5.25%
Term49 - 60 mo.
Last UpdatedApr 25, 2026
Details
Singing River Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New & Used Auto
5.49%
61 - 72 mo.
▼
APR5.49%
Term61 - 72 mo.
Last UpdatedApr 25, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
New or Used Autos (2021-2027)
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedMay 2, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
New & Used Vehicles2
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 18, 2026
Details
Singing River Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New & Used Auto
5.74%
73 - 84 mo.
▼
APR5.74%
Term73 - 84 mo.
Last UpdatedApr 25, 2026
Details
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
New & Used Auto
5.75%
37 - 48
▼
APR5.75%
Term37 - 48
Last UpdatedApr 18, 2026
Details
A Category 660 - 724
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans Used
5.75%
1 Year
▼
APR5.75%
Term1 Year
Last UpdatedMay 2, 2026
Details
Ferguson Federal Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 20.66%
Used Auto (2-9 years old)
5.99%
96 months
▼
APR5.99%
Term96 months
Last UpdatedApr 18, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
New or Used Autos (2021-2027)
5.99%
60 months
▼
APR5.99%
Term60 months
Last UpdatedMay 2, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
New or Used Autos (2021-2027)
6.24%
72 months
▼
APR6.24%
Term72 months
Last UpdatedMay 2, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
Used Autos (2020 & older)
6.24%
36 months
▼
APR6.24%
Term36 months
Last UpdatedMay 2, 2026
Details
As Low As
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
New & Used Auto
6.25%
49 - 60
▼
APR6.25%
Term49 - 60
Last UpdatedApr 18, 2026
Details
A Category 660 - 724
CenturyFirst Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.83%
Used Automobiles & Motor Homes
6.25%
up to 36 months
▼
APR6.25%
Termup to 36 months
Last UpdatedMay 2, 2026
Details
APR as low as*
Meridian Mississippi ANG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
Used Vehicle (2020 - 2025) 72 months
6.50%
72 Months
▼
APR6.50%
Term72 Months
Last UpdatedApr 18, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
Used Autos (2020 & older)
6.74%
48 months
▼
APR6.74%
Term48 months
Last UpdatedMay 2, 2026
Details
As Low As
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
New & Used Auto
6.75%
01 - 36
▼
APR6.75%
Term01 - 36
Last UpdatedApr 18, 2026
Details
B Category 620 - 659
CenturyFirst Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.83%
Used Automobiles & Motor Homes
6.75%
up to 48 months
▼
APR6.75%
Termup to 48 months
Last UpdatedMay 2, 2026
Details
APR as low as*
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans Used
6.75%
2 Years
▼
APR6.75%
Term2 Years
Last UpdatedMay 2, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
New or Used Autos (2021-2027)
6.99%
90 months
▼
APR6.99%
Term90 months
Last UpdatedMay 2, 2026
Details
As Low As
Meridian Mississippi ANG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
Used Vehicle (2020 - 2025) 84 Month
7.00%
84 Months
▼
APR7.00%
Term84 Months
Last UpdatedApr 18, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans Used
7.00%
3 Years
▼
APR7.00%
Term3 Years
Last UpdatedMay 2, 2026
Details
Meridian Mississippi ANG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
Used Vehicle Older Models (2005 and Older) Trade In
7.25%
24 Months
▼
APR7.25%
Term24 Months
Last UpdatedApr 18, 2026
Details
mos
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
New & Used Auto
7.25%
37 - 48
▼
APR7.25%
Term37 - 48
Last UpdatedApr 18, 2026
Details
B Category 620 - 659
Meridian Mississippi ANG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
Used Vehicle Older Models (2006 through 2014) Trade In
7.50%
36 Months
▼
APR7.50%
Term36 Months
Last UpdatedApr 18, 2026
Details
mos
Meridian Mississippi ANG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
Used Vehicle-Older Models (2005 and Older) Retail Value
7.50%
24 Months
▼
APR7.50%
Term24 Months
Last UpdatedApr 18, 2026
Details
mos
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
Used Autos (2020 & older)
7.74%
60 months
▼
APR7.74%
Term60 months
Last UpdatedMay 2, 2026
Details
As Low As
Meridian Mississippi ANG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
Used Vehicle Older Models (2015 through 2019) Trade In
7.75%
48 Months
▼
APR7.75%
Term48 Months
Last UpdatedApr 18, 2026
Details
mos
Meridian Mississippi ANG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
Used Vehicle-Older Models (2006 through 2014) Retail Value
7.75%
36 Months
▼
APR7.75%
Term36 Months
Last UpdatedApr 18, 2026
Details
mos
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
New & Used Auto
7.75%
49 - 60
▼
APR7.75%
Term49 - 60
Last UpdatedApr 18, 2026
Details
B Category 620 - 659
CenturyFirst Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.83%
Used Automobiles & Motor Homes
7.75%
up to 60 months
▼
APR7.75%
Termup to 60 months
Last UpdatedMay 2, 2026
Details
APR as low as*
Mississippi National Guard Federal Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 26.90%
New Autos plus New/Used RVs
7.99%
84 Months
▼
APR7.99%
Term84 Months
Last UpdatedApr 18, 2026
Details
Meridian Mississippi ANG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
Used Vehicle-Older Models (2015 through 2019) Retail Value
8.00%
48 Months
▼
APR8.00%
Term48 Months
Last UpdatedApr 18, 2026
Details
mos
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans Used
8.00%
4 Years
▼
APR8.00%
Term4 Years
Last UpdatedMay 2, 2026
Details
CenturyFirst Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.83%
Used Automobiles & Motor Homes
8.25%
72 months
▼
APR8.25%
Term72 months
Last UpdatedMay 2, 2026
Details
APR as low as*
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
Used Autos (2020 & older)
8.49%
72 months
▼
APR8.49%
Term72 months
Last UpdatedMay 2, 2026
Details
As Low As
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
New & Used Auto
8.50%
61 - 72
▼
APR8.50%
Term61 - 72
Last UpdatedApr 18, 2026
Details
B Category 620 - 659
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
Vehicle Loans - Used (More Than 2 Years Old)
8.57%
72 Months
▼
APR8.57%
Term72 Months
Last UpdatedMay 2, 2026
Details
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
New & Used Auto
9.00%
73 - 84
▼
APR9.00%
Term73 - 84
Last UpdatedApr 18, 2026
Details
B Category 620 - 659
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans Used
9.00%
5 Years
▼
APR9.00%
Term5 Years
Last UpdatedMay 2, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
Used Autos (2020 & older)
9.24%
90 months
▼
APR9.24%
Term90 months
Last UpdatedMay 2, 2026
Details
As Low As
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
New & Used Auto
9.25%
01 - 36
▼
APR9.25%
Term01 - 36
Last UpdatedApr 18, 2026
Details
C Category 600 - 619
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
New & Used Auto
9.50%
37 - 48
▼
APR9.50%
Term37 - 48
Last UpdatedApr 18, 2026
Details
C Category 600 - 619
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans Used
10.00%
6 Years
▼
APR10.00%
Term6 Years
Last UpdatedMay 2, 2026
Details
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
New & Used Auto
10.25%
49 - 60
▼
APR10.25%
Term49 - 60
Last UpdatedApr 18, 2026
Details
C Category 600 - 619
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans Used
11.00%
7 Years
▼
APR11.00%
Term7 Years
Last UpdatedMay 2, 2026
Details
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
New & Used Auto
11.25%
61 - 72
▼
APR11.25%
Term61 - 72
Last UpdatedApr 18, 2026
Details
C Category 600 - 619
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
New & Used Auto
11.75%
73 - 84
▼
APR11.75%
Term73 - 84
Last UpdatedApr 18, 2026
Details
C Category 600 - 619
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
New & Used Auto
13.00%
01 - 36
▼
APR13.00%
Term01 - 36
Last UpdatedApr 18, 2026
Details
D Category = or < 599
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
New & Used Auto
13.50%
37 - 48
▼
APR13.50%
Term37 - 48
Last UpdatedApr 18, 2026
Details
D Category = or < 599
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
New & Used Auto
14.25%
49 - 60
▼
APR14.25%
Term49 - 60
Last UpdatedApr 18, 2026
Details
D Category = or < 599
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
New & Used Auto
14.75%
61 - 72
▼
APR14.75%
Term61 - 72
Last UpdatedApr 18, 2026
Details
D Category = or < 599
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
New & Used Auto
15.75%
73 - 84
▼
APR15.75%
Term73 - 84
Last UpdatedApr 18, 2026
Details
D Category = or < 599
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MonitorBankRates
Midnight, MS Auto Loan Rate Trends
Compare local Midnight, 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.
New Auto Loan — MS Avg
4.308%
▼ 0.039 vs 7 days ago
Mississippi new auto rates fell 0.039 points over the past 7 days to 4.308% APR.
Used Auto Loan — MS Avg
5.215%
▼ 0.017 vs 7 days ago
Mississippi used auto rates fell 0.017 points over the past 7 days to 5.215% APR.
As of May 5, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in Midnight, Mississippi
How does my credit score affect my car loan rate in Mississippi?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Midnight, Mississippi with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.
Is it better to finance through a dealership or a bank?
It is highly recommended to get pre-approved through a local bank or credit union in Mississippi *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.
What is the difference between New and Used Auto Loan rates?
Lenders in Midnight, Mississippi typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
What are the best Auto Loan rates in Midnight, Mississippi?
Based on our current data, some of the lowest auto loan rates available in Midnight, Mississippi include:
- Brightview Federal Credit Union: 2.50% (Automobiles)
- Baxter Credit Union: 3.24% (Auto Loans)
- Meridian Mississippi ANG Federal Credit Union: 3.25% (New Vehicle Loans (36 Months))
- Riverland Federal Credit Union: 3.50% (Auto Loans)
- Singing River Federal Credit Union: 3.79% (New & Used Auto)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Midnight, Mississippi. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 2, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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