Auto Loan Rates in Mount Pleasant, Mississippi (MS) for June 2026
Brian McKay
Brian McKay
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Current auto loan rates in Mount Pleasant, Mississippi include Navigator Credit UnionNavigator Credit UnionA+5.0 ★Texas Ratio: 2.30% offering Vehicle Loans at 2.99%, Meridian Mississippi ANG Federal Credit UnionMeridian Mississippi ANG Federal Credit UnionA+5.0 ★Texas Ratio: 2.75% offering New Vehicle Loans at 3.25%, 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%, Singing River Federal Credit UnionSinging River Federal Credit UnionA+5.0 ★Texas Ratio: 2.13% offering New & Used Auto at 3.79%. Auto loan rates as of June 16, 2026 according to verified data from MonitorBankRates.
Mount Pleasant borrowers have access to 24 lenders serving the Mississippi area, with auto loan rates as low as 2.99% APR from Navigator 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 Mount Pleasant, Mississippi. Auto Loan Rates Last Updated and Verified: June 16, 2026
Compare Auto Loan Rates Today in Mount Pleasant, Mississippi & Surrounding Area
Mount Pleasant Auto Loan Rates
No payment for 90 days with a new, used or refinanced vehicle loan
2025-2026 (will finance 1st tag and GAP Insurance)
2025-2026(will finance 1st tag and GAP Insurance)
Cars, Trucks, & SUVs; As Low As
2025-2026(will finance 1st tag and GAP Insurance)
Rate: 3.79% - 15.04%
As Low As
Rate: 3.99% - 15.24%
As Low As; 2026 & Newer
As Low As; Current and prior year
2025-2026 (will finance 1st tag and GAP Insurance)
As Low As
As Low As; Est. Monthly Payment per $1,000: $29.76
As Low As
Daily Periodic Rate: 0.0123% - 0.0493%
As Low As; Beginning as low as 4.49%
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.
2025-2026 (will finance 1st tag and GAP insurance)
2020 - 2025
2020- 2025
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".
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. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
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.
2020 - 2025
2020 - 2025
As Low As; 2023 - 2025*
Credit Score 700+ Rate
Credit Score 700+ Rate
Credit Score 700+ Rate
Rate: 5.25% - 16.49%
2020 - 2025
2020 - 2025
A Category 660 - 724
As Low As
As Low As; Est. Monthly Payment per $1,000: $19.11
Rate: 5.49% - 16.49%
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. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
Rate: 5.74% - 16.49%
Credit Score 700+ Rate
A Category 660 - 724
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. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
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. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU. 2017 and older MAX TERM 48 Months.
Over $30,000; Credit Score 700+ Rate
A Category 660 - 724
As Low As
As Low As*
As Low As*
As Low As
As Low As; Est. Monthly Payment per $1,000: $14.84
2020 - 2025
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU. 2017 and older MAX TERM 48 Months.
B Category 620 - 659
As Low As*
As Low As*
As Low As
As Low As
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
Credit Score 660-699 Rate
Credit Score 660-699 Rate
Credit Score 660-699 Rate
2020 - 2025
Rate 7.0% to 12.0%* (Your rate depends on your Credit Score)
2005 and Older
B Category 620 - 659
As Low As
As Low As
Credit Score 660-699 Rate
2006 through 2014
2005 and Older
Rate 7.5% to 13.0%* (Your rate depends on your Credit Score and the year of the car)
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU. 2017 and older MAX TERM 48 Months.
2015 through 2019
2006 through 2014
B Category 620 - 659
As Low As*
As Low As*
As Low As
As Low As
Over $30,000; Credit Score 660-699 Rate
2015 through 2019
As Low As*
As Low As*
As Low As
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU. 2017 and older MAX TERM 48 Months.
B Category 620 - 659
Credit Score 620-659 Rate
B Category 620 - 659
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU. 2017 and older MAX TERM 48 Months.
C Category 600 - 619
Credit Score 620-659 Rate
C Category 600 - 619
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
Credit Score 515-619 Rate
D Category = or < 599
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
Mount Pleasant 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%
As Low As
Rate: 3.99% - 15.24%
As Low As; Current and prior year
2025-2026 (will finance 1st tag and GAP Insurance)
As Low As
As Low As
Daily Periodic Rate: 0.0123% - 0.0493%
As Low As; Beginning as low as 4.49%
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.
2025-2026 (will finance 1st tag and GAP insurance)
A+ Category = or > 725
As Low As
Annual Percentage Rates shown are "as low as".
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
Credit Score 700+ Rate
Credit Score 700+ Rate
Credit Score 700+ Rate
Rate: 5.25% - 16.49%
A Category 660 - 724
As Low As
Rate: 5.49% - 16.49%
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. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
Rate: 5.74% - 16.49%
Credit Score 700+ Rate
A Category 660 - 724
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. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
Over $30,000; Credit Score 700+ Rate
A Category 660 - 724
As Low As*
B Category 620 - 659
As Low As*
As Low As
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
Credit Score 660-699 Rate
Credit Score 660-699 Rate
Credit Score 660-699 Rate
Rate 7.0% to 12.0%* (Your rate depends on your Credit Score)
B Category 620 - 659
As Low As
Credit Score 660-699 Rate
B Category 620 - 659
As Low As*
As Low As
Over $30,000; Credit Score 660-699 Rate
As Low As*
B Category 620 - 659
Credit Score 620-659 Rate
B Category 620 - 659
C Category 600 - 619
Credit Score 620-659 Rate
C Category 600 - 619
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
Credit Score 515-619 Rate
D Category = or < 599
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
Mount Pleasant Used Auto Auto Loan Rates
Rate: 3.79% - 15.04%
Rate: 3.99% - 15.24%
As Low As; Est. Monthly Payment per $1,000: $29.76
Daily Periodic Rate: 0.0123% - 0.0493%
As Low As; Beginning as low as 4.49%
2020 - 2025
2020- 2025
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. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
2020 - 2025
2020 - 2025
Credit Score 700+ Rate
Credit Score 700+ Rate
Credit Score 700+ Rate
Rate: 5.25% - 16.49%
2020 - 2025
2020 - 2025
A Category 660 - 724
As Low As; Est. Monthly Payment per $1,000: $19.11
Rate: 5.49% - 16.49%
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
Rate: 5.74% - 16.49%
Credit Score 700+ Rate
A Category 660 - 724
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. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
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. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU. 2017 and older MAX TERM 48 Months.
Over $30,000; Credit Score 700+ Rate
A Category 660 - 724
As Low As*
As Low As; Est. Monthly Payment per $1,000: $14.84
2020 - 2025
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU. 2017 and older MAX TERM 48 Months.
B Category 620 - 659
As Low As*
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
Credit Score 660-699 Rate
Credit Score 660-699 Rate
Credit Score 660-699 Rate
2020 - 2025
2005 and Older
B Category 620 - 659
Credit Score 660-699 Rate
2006 through 2014
2005 and Older
Rate 7.5% to 13.0%* (Your rate depends on your Credit Score and the year of the car)
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU. 2017 and older MAX TERM 48 Months.
2015 through 2019
2006 through 2014
B Category 620 - 659
As Low As*
Over $30,000; Credit Score 660-699 Rate
2015 through 2019
As Low As*
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU. 2017 and older MAX TERM 48 Months.
B Category 620 - 659
Credit Score 620-659 Rate
B Category 620 - 659
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU. 2017 and older MAX TERM 48 Months.
C Category 600 - 619
Credit Score 620-659 Rate
C Category 600 - 619
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
Credit Score 515-619 Rate
D Category = or < 599
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
Mount Pleasant, MS Auto Loan Rate Trends
Compare local Mount Pleasant, 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 fell 0.011 points over the past 7 days to 4.750% APR.
Mississippi used auto rates rose 0.061 points over the past 7 days to 5.649% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Mount Pleasant, 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 Mount Pleasant, 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 Mount Pleasant, 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 Mount Pleasant, 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 Mount Pleasant, Mississippi?
- Navigator Credit Union: 2.99% (Vehicle Loans)
- Meridian Mississippi ANG Federal Credit Union: 3.25% (New Vehicle Loans)
- Statewide Federal Credit Union: 3.49% (New Autos)
- Riverland Federal Credit Union: 3.50% (Auto Loans)
- Singing River Federal Credit Union: 3.79% (New & Used Auto)
Mount Pleasant, Mississippi Rates & Resources
