Pearl, Mississippi Best Auto Loan Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Pearl, Mississippi auto loan rates range from 3.29% to 15.75% APR, verified by MonitorBankRates as of October 12, 2026. Current auto loan rates in Pearl, Mississippi include Rivertrust Federal Credit UnionRivertrust Federal Credit Union409 Riverwind Dr, Pearl, MS, 39208 5917A+5.0 ★Texas Ratio: 1.55% offering New and Used Auto Loans at 4.50%, Mississippi Highway Safety Patol Federal Credit UnionMississippi Highway Safety Patol Federal Credit Union3851 Highway 468 W, Pearl, MS, 39208A5.0 ★Texas Ratio: 12.43% offering New & Used Auto at 4.75%, Chase BankChase Bank5714 Highway 80e, Pearl, MS, 39208A+5.0 ★Texas Ratio: 3.68% offering New car purchase Loan at 6.24%, HealthPlus Federal Credit UnionHealthPlus Federal Credit UnionF2.0 ★Texas Ratio: 51.07% offering New Auto at 3.29%, Statewide Federal Credit UnionStatewide Federal Credit UnionA+5.0 ★Texas Ratio: 3.52% offering New Auto at 3.49%. Auto loan rates as of October 12, 2026 according to verified data from MonitorBankRates.
Pearl has 3 local institutions in our database, with auto loan rates as low as 4.50% APR from Rivertrust Federal Credit Union at 409 Riverwind Dr, Pearl, MS, 39208 5917. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Pearl, Mississippi. Auto Loan Rates Last Updated and Verified: October 12, 2026
Compare Auto Loan Rates Today in Pearl, Mississippi & Surrounding Area
Pearl Auto Loan Rates
Published APR range: 4.50%-18.00%.
Credit Category: A+ Category = or > 725
Credit Category: A Category 660 - 724
Credit Category: A+ Category = or > 725
- Sep 21, 20265.25%▼ from 7.25%
- Sep 14, 20267.25%first recorded
Credit Category: A Category 660 - 724
- Sep 21, 20265.75%▼ from 7.25%
- Sep 14, 20267.25%first recorded
Credit Category: A+ Category = or > 725
- Sep 21, 20265.75%▼ from 10.25%
- Sep 14, 202610.25%first recorded
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a new car would have a 6.24% APR for 60 months, monthly payment of $875.01 for $45,000 financing, down payment of $0
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
Credit Category: A Category 660 - 724
- Sep 21, 20266.25%▼ from 10.25%
- Sep 14, 202610.25%first recorded
Credit Category: A+ Category = or > 725
- Sep 21, 20266.25%▼ from 8.50%
- Sep 14, 20268.50%first recorded
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a used 2022 year car would have a 6.29% APR for 60 months, monthly payment of $584.04 for $30,000 financing, down payment of $0
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
Credit Category: B Category 620 - 659
Credit Category: A Category 660 - 724
- Sep 21, 20266.75%▼ from 8.50%
- Sep 14, 20268.50%first recorded
Term: 73 - 84 Months (over $30,000); Credit Category: A+ Category = or > 725
Credit Category: B Category 620 - 659
Credit Category: B Category 620 - 659
- Sep 21, 20267.75%▼ from 10.25%
- Sep 14, 202610.25%first recorded
Term: 73 - 84 Months (over $30,000); Credit Category: A Category 660 - 724
Credit Category: B Category 620 - 659
Term: 73 - 84 Months (over $30,000); Credit Category: B Category 620 - 659
Credit Category: C Category 600 - 619
Credit Category: C Category 600 - 619
Credit Category: C Category 600 - 619
Credit Category: C Category 600 - 619
Term: 73 - 84 Months (over $30,000); Credit Category: C Category 600 - 619
Credit Category: D Category = or < 599
Credit Category: D Category = or < 599
Credit Category: D Category = or < 599
Credit Category: D Category = or < 599
Term: 73 - 84 Months (over $30,000); Credit Category: D Category = or < 599
Credit Rating: S (775+); LTV: 125% LTV with GAP; GPS: May Use
Credit Rating: S (775+); LTV: 125% LTV with GAP
Published APR range: 3.49% - 18.00%.
Published APR range: 3.49% - 18.00%.
As Low As
Published rate range: 3.74 - 15.49%. Rate based on credit score, term, model year, amount financed, and relationship pricing
Credit Rating: S (775+); LTV: 125% LTV with GAP; GPS: May Use
Credit Rating: S (775+); LTV: 125% LTV with GAP
As Low As; Loan Term
- Oct 10, 20263.84%▲ from 3.64%
- Sep 18, 20263.64%▲ from 3.49%
- Sep 14, 20263.49%first recorded
As Low As
As Low As; Rates subject to change.
Rates are listed as low as and will vary based on credit qualifications and the vehicle collateral. Your rate may be different than the rate listed. APR = Annual Percentage Rate
Rates are listed as low as and will vary based on credit qualifications and the vehicle collateral. Your rate may be different than the rate listed. APR = Annual Percentage Rate
Credit Rating: S (775+); LTV: 125% NADA with GAP; GPS: May Use
Credit Rating: S (775+); LTV: 125% NADA with GAP
Published rate range: 3.99 - 15.74%. Rate based on credit score, term, model year, amount financed, and relationship pricing
As low as
Rates are listed as low as and will vary based on credit qualifications and the vehicle collateral. Your rate may be different than the rate listed. APR = Annual Percentage Rate
As Low As; Vehicle Year: 2025 & Newer; A+ rate for automobiles
As low as APR
As Low As
As Low As; Rates subject to change.
Credit Rating: S (775+); LTV: 125% LTV with GAP; GPS: May Use
Credit Rating: S (775+); LTV: 125% LTV with GAP
As Low As; Loan Term
- Oct 10, 20264.34%▲ from 4.14%
- Sep 18, 20264.14%▲ from 3.89%
- Sep 14, 20263.89%first recorded
As Low As; Current and previous year's models; Actual rates and terms vary based on credit history, loan amount, and collateral
Published APR range: 4.39% - 18.00%.
Published APR range: 4.39% - 18.00%.
- Oct 4, 20264.39%▲ from 3.99%
- Sep 17, 20263.99%first recorded
As Low As; Vehicle Year: 2025 & Newer; A+ rate for automobiles
Beginning as low as 4.49%
Credit Rating: A (700-774); LTV: 125% LTV with GAP; GPS: May Use
Credit Rating: A (700-774); LTV: 125% LTV with GAP
Credit Rating: S (775+); LTV: 125% NADA with GAP; GPS: May Use
Credit Rating: S (775+); LTV: 125% NADA with GAP
As Low As; Low Interest Loans; Rate based on credit worthiness and term of loan
As Low As
As Low As
As Low As; Rates subject to change.
As Low As; Your APR is based on credit worthiness, loan amount, current mileage, term of the loan and loan to value.
Published APR range: 4.69% - 18.00%.
Published APR range: 4.69% - 18.00%.
- Oct 4, 20264.69%▲ from 4.39%
- Sep 17, 20264.39%first recorded
As Low As; Vehicle Year: 2025 & Newer; A+ rate for automobiles
Published rate range: 4.74 - 15.99%. Rate based on credit score, term, model year, amount financed, and relationship pricing
As Low As
As Low As; Rates subject to change.
Credit Rating: S (775+); LTV: 125% LTV with GAP; GPS: May Use
Credit Rating: S (775+); LTV: 125% LTV with GAP
As Low As; Loan Term
As Low As; Models 2-6 years old; Actual rates and terms vary based on credit history, loan amount, and collateral
As Low As; Models between 2-6 years old
As Low As; Model Year: 2025
- Oct 4, 20264.90%▲ from 4.60%
- Sep 14, 20264.60%first recorded
As Low As; Model Year: NEW! 2026
Published APR range: 4.95 - 16.99%. Up to 100% of NADA average retail or 100% of selling price, whichever is less. Example: Monthly payments are approximately95% APR. APR = Annual Percentage Rate. Special 4.95%-16.99% APR auto loan rate for up to 96 months applies to new loans only with GCCFCU or refinances from another lender. Applies to new and used autos. Rates and terms based on prior credit performance, age of collateral, and may vary based on mileage, additional credit union services chosen, and/or percentage of down payment. Membership Eligibility Required.
Credit Rating: 730 & above
Credit Rating: 730 & above
Credit Rating: 730 & above
Rates are listed as low as and will vary based on credit qualifications and the vehicle collateral. Your rate may be different than the rate listed. APR = Annual Percentage Rate
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 APR
Category A (690+); Rate is as stated below, no discounts will apply; Floor Rate 4.50% APR
Credit Rating: A (700-774); LTV: 125% LTV with GAP; GPS: May Use
Credit Rating: A (700-774); LTV: 125% LTV with GAP
Credit Rating: S (775+); LTV: 125% NADA with GAP; GPS: May Use
Credit Rating: S (775+); LTV: 125% NADA with GAP
Published APR range: 4.99% - 18.00%.
Published APR range: 4.99% - 18.00%.
- Oct 4, 20264.99%▲ from 4.49%
- Sep 17, 20264.49%first recorded
As Low As; Low Interest Loans; Rate based on credit worthiness and term of loan
Published rate range: 4.99 - 16.24. Rate based on credit score, term, model year, amount financed, and relationship pricing
As Low As; Vehicle Year: 2025 & Newer; A+ rate for automobiles
Additional APR listed for this product: 5.75%.
Published APR range: 5.00% - 18.00%.
- Oct 8, 20265.00%▲ from 4.49%
- Sep 16, 20264.49%first recorded
As Low As; Current and previous year's models
As low as
As Low As; Vehicle Year: 2021-2024; A+ rate for automobiles
As Low As
As low as
- Oct 9, 20265.24%▲ from 4.99%
- Sep 14, 20264.99%first recorded
Published rate range: 5.24 - 16.49%. Rate based on credit score, term, model year, amount financed, and relationship pricing
Credit Tier A (700+); Used auto over 5 calendar years old: add 2% to rate; auto floor rate 5.25%
Credit Tier A (700+); Used auto over 5 calendar years old: add 2% to rate; auto floor rate 5.25%
Credit Tier A (700+); Used auto over 5 calendar years old: add 2% to rate; auto floor rate 5.25%
As Low As
As Low As; Rates subject to change.
Credit Rating: S (775+); LTV: 125% LTV with GAP; GPS: May Use
Credit Rating: S (775+); LTV: 125% LTV with GAP
As Low As; Loan Term
As Low As; Loan Term; **76-84 month term available for model years 2025 and newer only.
- Oct 10, 20265.34%▲ from 5.14%
- Sep 18, 20265.14%▲ from 4.89%
- Sep 14, 20264.89%first recorded
As Low As
As Low As; Rates subject to change.
As Low As; Models 7-9 years old; Actual rates and terms vary based on credit history, loan amount, and collateral
As Low As; Vehicle Year: 2020; A+ rate for automobiles
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 Rating: A (700-774); LTV: 125% LTV with GAP; GPS: May Use
Credit Rating: A (700-774); LTV: 125% LTV with GAP
Credit Rating: A (700-774); LTV: 125% NADA with GAP; GPS: May Use
Credit Rating: S (775+); LTV: 125% NADA with GAP; GPS: May Use
Credit Rating: A (700-774); LTV: 125% NADA with GAP
Credit Rating: S (775+); LTV: 125% NADA with GAP
As Low As
Published APR range: 5.59% - 18.00%.
Published APR range: 5.59% - 18.00%.
- Oct 4, 20265.59%▲ from 5.25%
- Sep 17, 20265.25%first recorded
As Low As; Vehicle Year: 2016-2019; A+ rate for automobiles
As Low As; Model Year: 2025
- Oct 4, 20265.60%▲ from 5.10%
- Sep 14, 20265.10%first recorded
As Low As; Model Year: NEW! 2026
As Low As; Current and previous year's models
As Low As; Models between 2-6 years old
As Low As
Credit Tier A (700+); Used auto over 5 calendar years old: add 2% to rate; auto floor rate 5.25%
As low as
As low as
Term: up to 72 months ($20k+); As Low As; Model Year: 2025
- Oct 4, 20265.80%▲ from 5.30%
- Sep 14, 20265.30%first recorded
Term: up to 72 months ($20k+); As Low As; Model Year: NEW! 2026
Rates are listed as low as and will vary based on credit qualifications and the vehicle collateral. Your rate may be different than the rate listed. APR = Annual Percentage Rate
Term: up to 84 months ($40k+); As Low As; Model Year: 2025
- Oct 4, 20265.95%▲ from 5.45%
- Sep 14, 20265.45%first recorded
Term: up to 84 months ($40k+); As Low As; Model Year: NEW! 2026
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.
As Low As
As Low As; Rates subject to change.
Credit Rating: A (700-774); LTV: 125% LTV with GAP; GPS: May Use
Credit Rating: A (700-774); LTV: 125% LTV with GAP
Credit Rating: A (700-774); LTV: 125% NADA with GAP; GPS: May Use
Credit Rating: A (700-774); LTV: 125% NADA with GAP
Additional APR listed for this product: 6.75%.
As Low As; Current and previous year's models
As Low As; Models between 2-6 years old
As Low As; Model Year: 2022
- Oct 4, 20266.15%▲ from 5.65%
- Sep 14, 20265.65%first recorded
As Low As; Model Year: 2023
- Oct 4, 20266.15%▲ from 5.65%
- Sep 14, 20265.65%first recorded
As Low As; Model Year: 2024
- Oct 4, 20266.15%▲ from 5.65%
- Sep 14, 20265.65%first recorded
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.
As low as APR
As low as*
As low as*
Term: 73-84 Months (Over $30,000); Credit Tier A (700+); Loan amount over $30,000; Used auto over 5 calendar years old: add 2% to rate; auto floor rate 5.25%
As low as
As Low As; Loan Term; *Please call for rates on model years 2022 or older.
Rates are listed as low as and will vary based on credit qualifications and the vehicle collateral. Your rate may be different than the rate listed. APR = Annual Percentage Rate
Term: up to 72 months ($20k+); As Low As; Model Year: 2022
- Oct 4, 20266.45%▲ from 5.95%
- Sep 14, 20265.95%first recorded
Term: up to 72 months ($20k+); As Low As; Model Year: 2023
- Oct 4, 20266.45%▲ from 5.95%
- Sep 14, 20265.95%first recorded
Term: up to 72 months ($20k+); As Low As; Model Year: 2024
- Oct 4, 20266.45%▲ from 5.95%
- Sep 14, 20265.95%first recorded
Credit Rating: B (650-699); LTV: 125% LTV with GAP; GPS: May Use
Credit Rating: A (700-774); LTV: 125% LTV with GAP; GPS: May Use
Credit Rating: B (650-699); LTV: 125% LTV with GAP
Credit Rating: A (700-774); LTV: 125% LTV with GAP
Credit Rating: A (700-774); LTV: 125% NADA with GAP; GPS: May Use
Credit Rating: A (700-774); LTV: 125% NADA with GAP
Additional APR listed for this product: 7.00%.
Published APR range: 6.59% - 18.00%.
As Low As; Current and previous year's models
As Low As; Models between 2-6 years old
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.
As low as*
As low as*
Over $40,000; As low as 6.49%
- Oct 9, 20266.75%▲ from 6.49%
- Sep 14, 20266.49%first recorded
Over $40,000 & Under 75,000 miles; As low as 6.49%
As Low As; Model Year: 2021
- Oct 4, 20266.80%▲ from 6.30%
- Sep 14, 20266.30%first recorded
As Low As; Models 25 years and older; Actual rates and terms vary based on credit history, loan amount, and collateral
As Low As; Models 25 years or older
As Low As
As Low As; Rates subject to change.
Credit Rating: 730 & above
Pearl New Auto Auto Loan Rates
Published APR range: 4.50%-18.00%.
Credit Category: A+ Category = or > 725
Credit Category: A Category 660 - 724
Credit Category: A+ Category = or > 725
- Sep 21, 20265.25%▼ from 7.25%
- Sep 14, 20267.25%first recorded
Credit Category: A Category 660 - 724
- Sep 21, 20265.75%▼ from 7.25%
- Sep 14, 20267.25%first recorded
Credit Category: A+ Category = or > 725
- Sep 21, 20265.75%▼ from 10.25%
- Sep 14, 202610.25%first recorded
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a new car would have a 6.24% APR for 60 months, monthly payment of $875.01 for $45,000 financing, down payment of $0
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
Credit Category: A Category 660 - 724
- Sep 21, 20266.25%▼ from 10.25%
- Sep 14, 202610.25%first recorded
Credit Category: A+ Category = or > 725
- Sep 21, 20266.25%▼ from 8.50%
- Sep 14, 20268.50%first recorded
Credit Category: B Category 620 - 659
Credit Category: A Category 660 - 724
- Sep 21, 20266.75%▼ from 8.50%
- Sep 14, 20268.50%first recorded
Term: 73 - 84 Months (over $30,000); Credit Category: A+ Category = or > 725
Credit Category: B Category 620 - 659
Credit Category: B Category 620 - 659
- Sep 21, 20267.75%▼ from 10.25%
- Sep 14, 202610.25%first recorded
Term: 73 - 84 Months (over $30,000); Credit Category: A Category 660 - 724
Credit Category: B Category 620 - 659
Term: 73 - 84 Months (over $30,000); Credit Category: B Category 620 - 659
Credit Category: C Category 600 - 619
Credit Category: C Category 600 - 619
Credit Category: C Category 600 - 619
Credit Category: C Category 600 - 619
Term: 73 - 84 Months (over $30,000); Credit Category: C Category 600 - 619
Credit Category: D Category = or < 599
Credit Category: D Category = or < 599
Credit Category: D Category = or < 599
Credit Category: D Category = or < 599
Term: 73 - 84 Months (over $30,000); Credit Category: D Category = or < 599
Credit Rating: S (775+); LTV: 125% LTV with GAP; GPS: May Use
Credit Rating: S (775+); LTV: 125% LTV with GAP
Published APR range: 3.49% - 18.00%.
Published rate range: 3.74 - 15.49%. Rate based on credit score, term, model year, amount financed, and relationship pricing
Credit Rating: S (775+); LTV: 125% LTV with GAP; GPS: May Use
Credit Rating: S (775+); LTV: 125% LTV with GAP
As Low As; Loan Term
- Oct 10, 20263.84%▲ from 3.64%
- Sep 18, 20263.64%▲ from 3.49%
- Sep 14, 20263.49%first recorded
As Low As
As Low As; Rates subject to change.
Published rate range: 3.99 - 15.74%. Rate based on credit score, term, model year, amount financed, and relationship pricing
As low as
As low as APR
As Low As
As Low As; Rates subject to change.
Credit Rating: S (775+); LTV: 125% LTV with GAP; GPS: May Use
Credit Rating: S (775+); LTV: 125% LTV with GAP
As Low As; Loan Term
- Oct 10, 20264.34%▲ from 4.14%
- Sep 18, 20264.14%▲ from 3.89%
- Sep 14, 20263.89%first recorded
As Low As; Current and previous year's models; Actual rates and terms vary based on credit history, loan amount, and collateral
Published APR range: 4.39% - 18.00%.
Beginning as low as 4.49%
Credit Rating: A (700-774); LTV: 125% LTV with GAP; GPS: May Use
Credit Rating: A (700-774); LTV: 125% LTV with GAP
As Low As; Low Interest Loans; Rate based on credit worthiness and term of loan
As Low As
As Low As; Rates subject to change.
As Low As; Your APR is based on credit worthiness, loan amount, current mileage, term of the loan and loan to value.
Published APR range: 4.69% - 18.00%.
Published rate range: 4.74 - 15.99%. Rate based on credit score, term, model year, amount financed, and relationship pricing
Credit Rating: S (775+); LTV: 125% LTV with GAP; GPS: May Use
Credit Rating: S (775+); LTV: 125% LTV with GAP
As Low As; Model Year: NEW! 2026
Credit Rating: 730 & above
Credit Rating: 730 & above
Credit Rating: 730 & above
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
Category A (690+); Rate is as stated below, no discounts will apply; Floor Rate 4.50% APR
Credit Rating: A (700-774); LTV: 125% LTV with GAP; GPS: May Use
Credit Rating: A (700-774); LTV: 125% LTV with GAP
Published APR range: 4.99% - 18.00%.
Published rate range: 4.99 - 16.24. Rate based on credit score, term, model year, amount financed, and relationship pricing
Published APR range: 5.00% - 18.00%.
- Oct 8, 20265.00%▲ from 4.49%
- Sep 16, 20264.49%first recorded
As Low As; Current and previous year's models
As low as
- Oct 9, 20265.24%▲ from 4.99%
- Sep 14, 20264.99%first recorded
Published rate range: 5.24 - 16.49%. Rate based on credit score, term, model year, amount financed, and relationship pricing
Credit Tier A (700+); Used auto over 5 calendar years old: add 2% to rate; auto floor rate 5.25%
Credit Tier A (700+); Used auto over 5 calendar years old: add 2% to rate; auto floor rate 5.25%
Credit Tier A (700+); Used auto over 5 calendar years old: add 2% to rate; auto floor rate 5.25%
Credit Rating: S (775+); LTV: 125% LTV with GAP; GPS: May Use
Credit Rating: S (775+); LTV: 125% LTV with GAP
As Low As; Loan Term; **76-84 month term available for model years 2025 and newer only.
- Oct 10, 20265.34%▲ from 5.14%
- Sep 18, 20265.14%▲ from 4.89%
- Sep 14, 20264.89%first recorded
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 Rating: A (700-774); LTV: 125% LTV with GAP; GPS: May Use
Credit Rating: A (700-774); LTV: 125% LTV with GAP
Published APR range: 5.59% - 18.00%.
As Low As; Model Year: NEW! 2026
As Low As; Current and previous year's models
Credit Tier A (700+); Used auto over 5 calendar years old: add 2% to rate; auto floor rate 5.25%
As low as
As low as
Term: up to 72 months ($20k+); As Low As; Model Year: NEW! 2026
Term: up to 84 months ($40k+); As Low As; Model Year: NEW! 2026
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; Rates subject to change.
Credit Rating: A (700-774); LTV: 125% LTV with GAP; GPS: May Use
Credit Rating: A (700-774); LTV: 125% LTV with GAP
As Low As; Current and previous year's models
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
As low as*
Term: 73-84 Months (Over $30,000); Credit Tier A (700+); Loan amount over $30,000; Used auto over 5 calendar years old: add 2% to rate; auto floor rate 5.25%
Credit Rating: B (650-699); LTV: 125% LTV with GAP; GPS: May Use
Credit Rating: A (700-774); LTV: 125% LTV with GAP; GPS: May Use
Credit Rating: B (650-699); LTV: 125% LTV with GAP
Credit Rating: A (700-774); LTV: 125% LTV with GAP
Published APR range: 6.59% - 18.00%.
As Low As; Current and previous year's models
As low as*
Over $40,000; As low as 6.49%
- Oct 9, 20266.75%▲ from 6.49%
- Sep 14, 20266.49%first recorded
Credit Rating: 730 & above
Pearl Used Auto Auto Loan Rates
Published APR range: 4.50%-18.00%.
Credit Category: A+ Category = or > 725
Credit Category: A Category 660 - 724
Credit Category: A+ Category = or > 725
- Sep 21, 20265.25%▼ from 7.25%
- Sep 14, 20267.25%first recorded
Credit Category: A Category 660 - 724
- Sep 21, 20265.75%▼ from 7.25%
- Sep 14, 20267.25%first recorded
Credit Category: A+ Category = or > 725
- Sep 21, 20265.75%▼ from 10.25%
- Sep 14, 202610.25%first recorded
Credit Category: A Category 660 - 724
- Sep 21, 20266.25%▼ from 10.25%
- Sep 14, 202610.25%first recorded
Credit Category: A+ Category = or > 725
- Sep 21, 20266.25%▼ from 8.50%
- Sep 14, 20268.50%first recorded
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a used 2022 year car would have a 6.29% APR for 60 months, monthly payment of $584.04 for $30,000 financing, down payment of $0
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
Credit Category: B Category 620 - 659
Credit Category: A Category 660 - 724
- Sep 21, 20266.75%▼ from 8.50%
- Sep 14, 20268.50%first recorded
Term: 73 - 84 Months (over $30,000); Credit Category: A+ Category = or > 725
Credit Category: B Category 620 - 659
Credit Category: B Category 620 - 659
- Sep 21, 20267.75%▼ from 10.25%
- Sep 14, 202610.25%first recorded
Term: 73 - 84 Months (over $30,000); Credit Category: A Category 660 - 724
Credit Category: B Category 620 - 659
Term: 73 - 84 Months (over $30,000); Credit Category: B Category 620 - 659
Credit Category: C Category 600 - 619
Credit Category: C Category 600 - 619
Credit Category: C Category 600 - 619
Credit Category: C Category 600 - 619
Term: 73 - 84 Months (over $30,000); Credit Category: C Category 600 - 619
Credit Category: D Category = or < 599
Credit Category: D Category = or < 599
Credit Category: D Category = or < 599
Credit Category: D Category = or < 599
Term: 73 - 84 Months (over $30,000); Credit Category: D Category = or < 599
Published APR range: 3.49% - 18.00%.
Published rate range: 3.74 - 15.49%. Rate based on credit score, term, model year, amount financed, and relationship pricing
Rates are listed as low as and will vary based on credit qualifications and the vehicle collateral. Your rate may be different than the rate listed. APR = Annual Percentage Rate
Rates are listed as low as and will vary based on credit qualifications and the vehicle collateral. Your rate may be different than the rate listed. APR = Annual Percentage Rate
Credit Rating: S (775+); LTV: 125% NADA with GAP; GPS: May Use
Credit Rating: S (775+); LTV: 125% NADA with GAP
Published rate range: 3.99 - 15.74%. Rate based on credit score, term, model year, amount financed, and relationship pricing
Rates are listed as low as and will vary based on credit qualifications and the vehicle collateral. Your rate may be different than the rate listed. APR = Annual Percentage Rate
Published APR range: 4.39% - 18.00%.
- Oct 4, 20264.39%▲ from 3.99%
- Sep 17, 20263.99%first recorded
Beginning as low as 4.49%
Credit Rating: S (775+); LTV: 125% NADA with GAP; GPS: May Use
Credit Rating: S (775+); LTV: 125% NADA with GAP
Published APR range: 4.69% - 18.00%.
- Oct 4, 20264.69%▲ from 4.39%
- Sep 17, 20264.39%first recorded
Published rate range: 4.74 - 15.99%. Rate based on credit score, term, model year, amount financed, and relationship pricing
As Low As
As Low As; Rates subject to change.
As Low As; Models 2-6 years old; Actual rates and terms vary based on credit history, loan amount, and collateral
As Low As; Models between 2-6 years old
Credit Rating: 730 & above
Credit Rating: 730 & above
Credit Rating: 730 & above
Rates are listed as low as and will vary based on credit qualifications and the vehicle collateral. Your rate may be different than the rate listed. APR = Annual Percentage Rate
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 APR
Category A (690+); Rate is as stated below, no discounts will apply; Floor Rate 4.50% APR
Credit Rating: S (775+); LTV: 125% NADA with GAP; GPS: May Use
Credit Rating: S (775+); LTV: 125% NADA with GAP
Published APR range: 4.99% - 18.00%.
- Oct 4, 20264.99%▲ from 4.49%
- Sep 17, 20264.49%first recorded
As Low As; Low Interest Loans; Rate based on credit worthiness and term of loan
Published rate range: 4.99 - 16.24. Rate based on credit score, term, model year, amount financed, and relationship pricing
Published APR range: 5.00% - 18.00%.
- Oct 8, 20265.00%▲ from 4.49%
- Sep 16, 20264.49%first recorded
As low as
Published rate range: 5.24 - 16.49%. Rate based on credit score, term, model year, amount financed, and relationship pricing
Credit Tier A (700+); Used auto over 5 calendar years old: add 2% to rate; auto floor rate 5.25%
Credit Tier A (700+); Used auto over 5 calendar years old: add 2% to rate; auto floor rate 5.25%
Credit Tier A (700+); Used auto over 5 calendar years old: add 2% to rate; auto floor rate 5.25%
As Low As
As Low As; Rates subject to change.
As Low As
As Low As; Rates subject to change.
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 Rating: A (700-774); LTV: 125% NADA with GAP; GPS: May Use
Credit Rating: S (775+); LTV: 125% NADA with GAP; GPS: May Use
Credit Rating: A (700-774); LTV: 125% NADA with GAP
Credit Rating: S (775+); LTV: 125% NADA with GAP
Published APR range: 5.59% - 18.00%.
- Oct 4, 20265.59%▲ from 5.25%
- Sep 17, 20265.25%first recorded
As Low As; Models between 2-6 years old
Credit Tier A (700+); Used auto over 5 calendar years old: add 2% to rate; auto floor rate 5.25%
Rates are listed as low as and will vary based on credit qualifications and the vehicle collateral. Your rate may be different than the rate listed. APR = Annual Percentage Rate
As Low As
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 Rating: A (700-774); LTV: 125% NADA with GAP; GPS: May Use
Credit Rating: A (700-774); LTV: 125% NADA with GAP
As Low As; Models between 2-6 years old
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.
As low as APR
As low as*
Term: 73-84 Months (Over $30,000); Credit Tier A (700+); Loan amount over $30,000; Used auto over 5 calendar years old: add 2% to rate; auto floor rate 5.25%
As low as
Rates are listed as low as and will vary based on credit qualifications and the vehicle collateral. Your rate may be different than the rate listed. APR = Annual Percentage Rate
Credit Rating: A (700-774); LTV: 125% NADA with GAP; GPS: May Use
Credit Rating: A (700-774); LTV: 125% NADA with GAP
As Low As; Models between 2-6 years old
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.
As low as*
As Low As
As Low As; Rates subject to change.
Credit Rating: 730 & above
Pearl, MS Auto Loan Rate Trends
Compare local Pearl, 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 0.004 points over the past 7 days to 5.069% APR.
Mississippi used auto loan rates currently average 5.740% APR.
Pearl, MS Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Mississippi figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Mississippi APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.07% APR MS average | Used Auto @ 5.74% APR MS average | Monthly Difference |
|---|---|---|---|
| $15,000 | $283.54/mo | $288.18/mo | $4.64/mo |
| $25,000 | $472.57/mo | $480.30/mo | $7.73/mo |
| $35,000 | $661.60/mo | $672.42/mo | $10.82/mo |
| $45,000 | $850.63/mo | $864.55/mo | $13.92/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in Pearl, Mississippi
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Pearl, Mississippi locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Mississippi. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
- Saving up for a bigger down payment: park it in a Pearl, Mississippi high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Pearl, Mississippi CD rates lock in a guaranteed return until you’re ready to buy
Pearl, Mississippi Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $567 monthly car payment works out to roughly 17.3% of the median individual income in Pearl, Mississippi. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Pearl, Mississippi, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1 to 3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0 to 2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Pearl, Mississippi. We’ve prefilled the APR with today’s MS new-auto average, or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Pearl, 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 Pearl, 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 Pearl, 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.
Bad Credit Auto Loans in Pearl, Mississippi
You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.
| Credit Tier | Score Range | New Car APR | Used Car APR | $25,000 Used, 60 Mo. |
|---|---|---|---|---|
| Super prime | 781 to 850 | 4.41% | 6.29% | $487/mo |
| Prime | 661 to 780 | 6.15% | 8.81% | $517/mo |
| Near prime | 601 to 660 | 9.71% | 13.93% | $581/mo |
| Subprime | 501 to 600 | 13.52% | 19.10% | $650/mo |
| Deep subprime | 300 to 500 | 16.11% | 21.62% | $685/mo |
Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.
Get Preapproved Before the Dealer
A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.
Put More Money Down
A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.
Keep the Term Short
A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.
Add a Cosigner
A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.
Be Careful With Buy Here Pay Here
These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.
Frequently Asked Questions about Auto Loans in Pearl, Mississippi
How does my credit score affect my car loan rate in Mississippi?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
Should I get preapproved for an auto loan before visiting a dealer in Pearl, Mississippi?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
Can I get an auto loan with bad credit in Pearl, Mississippi?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Pearl, Mississippi?
- Rivertrust Federal Credit Union: 4.50% (New and Used Auto Loans)
- Mississippi Highway Safety Patol Federal Credit Union: 4.75% (New & Used Auto)
- Chase Bank: 6.24% (New car purchase Loan)
- HealthPlus Federal Credit Union: 3.29% (New Auto)
- Statewide Federal Credit Union: 3.49% (New Auto)
Pearl, Mississippi Rates & Resources
