Vance, Mississippi Best Auto Loan Rates - August 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current auto loan rates in Vance, Mississippi include HealthPlus Federal Credit UnionHealthPlus Federal Credit UnionF2.1 ★Texas Ratio: 38.77% offering New Auto Loan at 3.29%, 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%, Mutual Federal Credit UnionMutual Federal Credit UnionA+5.0 ★Texas Ratio: 2.94% offering New Vehicle Loans at 3.99%, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.04% offering Auto Loans at 4.14%. Auto loan rates as of August 28, 2026 according to verified data from MonitorBankRates.
Vance borrowers have access to 27 lenders serving the Mississippi area, with auto loan rates as low as 3.29% APR from HealthPlus Federal Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Vance, Mississippi. Auto Loan Rates Last Updated and Verified: August 28, 2026
Compare Auto Loan Rates Today in Vance, Mississippi & Surrounding Area
Vance Auto Loan Rates
LTV: 125% LTV with GAP
Cars, Trucks, & SUVs
LTV: 125% LTV with GAP
LTV: 125% NADA with GAP
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.
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.
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.
2026 & Newer
As low as
Vehicle Year: 2025 & Newer
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.
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.
As Low As
LTV: 125% LTV with GAP
Vehicle Year: 2025 & Newer
LTV: 125% LTV with GAP
LTV: 125% NADA with GAP
As Low As; Loans must be paid in full within 12 months or less, depends on when the loan origination date.
As Low As; Beginning as low as 4.49%
Cars, Trucks, & SUVs
As Low As
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.
Vehicle Year: 2025 & Newer
A+ Category = or > 725
LTV: 125% LTV with GAP
Up to 100% of NADA average retail or 100% of selling price, whichever is less. Membership Eligibility Required.
Rates effective as of April 23, 2025. All rates are based on Equifax beacon score. All rates are based on credit category and loan term. All rates are subject to change without prior notice. Rates fluctuate based upon the current Wall Street Journal Prime Rate. One 0.50% APR discount will be given for one of the following items when applying for an auto loan: An existing active checking account. An existing active Visa account. When applying online (through Eagle Express Web). 4.50% APR FLOOR RATE. Discounts only apply to auto loans at rates stated below-not to loan rate specials.
LTV: 125% LTV with GAP
LTV: 125% NADA with GAP
As Low As; Loans must be paid in full within 12 months or less, depends on when the loan origination date.
Vehicle Year: 2025 & Newer
Credit Rating 730 & above
Annual Percentage Rates shown are "as low as."
As low as; New Auto 01 - 36 months
As low as; Used Auto/ Motorcycle01 - 36 months
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.
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.
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. 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
2023 - 2025*
As low as
As low as
Vehicle Year: 2021-2024
A Category 660 - 724
LTV: 125% LTV with GAP
As Low As
Vehicle Year: 2020
As Low As
LTV: 125% LTV with GAP
LTV: 125% NADA with GAP
As Low As; Terms up to 96 months
As low as; New Auto 37 - 60 months
As low as; Used Auto/ Motorcycle 37 - 60 months
New Auto(Current & 2 year Models)
Your rate will be based on your credit score and the loan-to-value ratio of your collateral 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.
Cars, Trucks, & SUVs
Vehicle Year: 2016-2019
As Low As
A Category 660 - 724
Product: Classic Auto
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.
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.
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a new car would have a 5.94% APR for 60 months, monthly payment of $868.72 for $45,000 financing, down payment of $0.
As Low As
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a used 2022 year car would have a 5.99% APR for 60 months, monthly payment of $579.84 for $30,000 financing, down payment of $0.
LTV: 125% LTV with GAP
LTV: 125% NADA with GAP
As Low As; Terms up to 96 months
As low as; Over $20,000; New Auto 61 - 72 months
As low as; Over $20,000; Used Auto/ Motorcycle 61 - 72 months
New Auto(72 month term +)
Your rate will be based on your credit score and the loan-to-value ratio of your collateral 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.
2023 - 2025*
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. 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. 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.
A Category 660 - 724
As Low As; Credit Score Performance Based
As Low As; Credit Score Performance Based
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.
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.
LTV: 125% LTV with GAP
LTV: 125% NADA with GAP
As low as; Over $40,000; New Auto 73 - 84 months
As low as; Over $40,000 & Under 75,000 miles; Used Auto/ Motorcycle 73 - 84 months
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. 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; Credit Score Performance Based
As Low As; Credit Score Performance Based
Rates effective as of April 23, 2025. All rates are based on Equifax beacon score. All rates are based on credit category and loan term. All rates are subject to change without prior notice. Rates fluctuate based upon the current Wall Street Journal Prime Rate. One 0.50% APR discount will be given for one of the following items when applying for an auto loan: An existing active checking account. An existing active Visa account. When applying online (through Eagle Express Web). 4.50% APR FLOOR RATE. Discounts only apply to auto loans at rates stated below-not to loan rate specials.
LTV: 125% LTV with GAP
LTV: 125% NADA with GAP
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. 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.
Vehicle Year: 2011 - 2015 Older Used
B Category 620 - 659
LTV: 125% LTV with GAP
LTV: 125% NADA with GAP
Your rate will be based on your credit score and the loan-to-value ratio of your collateral 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; Credit Score Performance Based
As Low As; Credit Score Performance Based
LTV: 125% LTV with GAP
LTV: 125% NADA with GAP
Credit Rating 730 & above
As Low As; Credit Score Performance Based
As Low As; Credit Score Performance Based
LTV: 125% NADA with GAP
Your rate will be based on your credit score and the loan-to-value ratio of your collateral 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
Rates effective as of April 23, 2025. All rates are based on Equifax beacon score. All rates are based on credit category and loan term. All rates are subject to change without prior notice. Rates fluctuate based upon the current Wall Street Journal Prime Rate. One 0.50% APR discount will be given for one of the following items when applying for an auto loan: An existing active checking account. An existing active Visa account. When applying online (through Eagle Express Web). 4.50% APR FLOOR RATE. Discounts only apply to auto loans at rates stated below-not to loan rate specials.
LTV: 125% NADA with GAP
Credit Rating 640-679
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. 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
C Category 600 - 619
LTV: 125% LTV with GAP; GPS: May Use
Credit Rating 600-639
C Category 600 - 619
LTV: 125% LTV with GAP; GPS: May Use
Rates effective as of April 23, 2025. All rates are based on Equifax beacon score. All rates are based on credit category and loan term. All rates are subject to change without prior notice. Rates fluctuate based upon the current Wall Street Journal Prime Rate. One 0.50% APR discount will be given for one of the following items when applying for an auto loan: An existing active checking account. An existing active Visa account. When applying online (through Eagle Express Web). 4.50% APR FLOOR RATE. Discounts only apply to auto loans at rates stated below-not to loan rate specials.
LTV: 125% LTV with GAP; GPS: May Use
LTV: 125% NADA with GAP; GPS: May Use
C Category 600 - 619
LTV: 125% LTV with GAP; GPS: May Use
LTV: 125% NADA with GAP; GPS: May Use
C Category 600 - 619
LTV: 125% NADA with GAP; GPS: May Use
LTV: 125% NADA with GAP; GPS: May Use
D Category = or < 599
D Category = or < 599
D Category = or < 599
D Category = or < 599
LTV: 100% LTV with GAP; GPS: Required
Credit Rating 550-599
LTV: 100% LTV with GAP; GPS: Required
D Category = or < 599
LTV: 100% NADA with GAP; GPS: Required
Credit Rating 549 or less
LTV: 100% LTV with GAP; GPS: Required
LTV: 100% NADA with GAP; GPS: Required
LTV: 100% LTV with GAP; GPS: Required
LTV: 100% NADA with GAP; GPS: Required
Vance New Auto Auto Loan Rates
LTV: 125% LTV with GAP
LTV: 125% LTV with GAP
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.
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.
As Low As
LTV: 125% LTV with GAP
LTV: 125% LTV with GAP
As Low As; Loans must be paid in full within 12 months or less, depends on when the loan origination date.
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.
A+ Category = or > 725
LTV: 125% LTV with GAP
Rates effective as of April 23, 2025. All rates are based on Equifax beacon score. All rates are based on credit category and loan term. All rates are subject to change without prior notice. Rates fluctuate based upon the current Wall Street Journal Prime Rate. One 0.50% APR discount will be given for one of the following items when applying for an auto loan: An existing active checking account. An existing active Visa account. When applying online (through Eagle Express Web). 4.50% APR FLOOR RATE. Discounts only apply to auto loans at rates stated below-not to loan rate specials.
LTV: 125% LTV with GAP
Credit Rating 730 & above
Annual Percentage Rates shown are "as low as."
As low as; New Auto 01 - 36 months
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.
Your rate will be based on your credit score and the loan-to-value ratio of your collateral 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
A Category 660 - 724
LTV: 125% LTV with GAP
LTV: 125% LTV with GAP
As Low As; Terms up to 96 months
As low as; New Auto 37 - 60 months
New Auto(Current & 2 year Models)
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
A Category 660 - 724
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.
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a new car would have a 5.94% APR for 60 months, monthly payment of $868.72 for $45,000 financing, down payment of $0.
LTV: 125% LTV with GAP
As low as; Over $20,000; New Auto 61 - 72 months
New Auto(72 month term +)
Your rate will be based on your credit score and the loan-to-value ratio of your collateral 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. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
A Category 660 - 724
As Low As; Credit Score Performance Based
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.
LTV: 125% LTV with GAP
As low as; Over $40,000; New Auto 73 - 84 months
B Category 620 - 659
As Low As; Credit Score Performance Based
Rates effective as of April 23, 2025. All rates are based on Equifax beacon score. All rates are based on credit category and loan term. All rates are subject to change without prior notice. Rates fluctuate based upon the current Wall Street Journal Prime Rate. One 0.50% APR discount will be given for one of the following items when applying for an auto loan: An existing active checking account. An existing active Visa account. When applying online (through Eagle Express Web). 4.50% APR FLOOR RATE. Discounts only apply to auto loans at rates stated below-not to loan rate specials.
LTV: 125% LTV with GAP
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. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
B Category 620 - 659
LTV: 125% LTV with GAP
B Category 620 - 659
As Low As; Credit Score Performance Based
LTV: 125% LTV with GAP
Credit Rating 730 & above
As Low As; Credit Score Performance Based
B Category 620 - 659
Rates effective as of April 23, 2025. All rates are based on Equifax beacon score. All rates are based on credit category and loan term. All rates are subject to change without prior notice. Rates fluctuate based upon the current Wall Street Journal Prime Rate. One 0.50% APR discount will be given for one of the following items when applying for an auto loan: An existing active checking account. An existing active Visa account. When applying online (through Eagle Express Web). 4.50% APR FLOOR RATE. Discounts only apply to auto loans at rates stated below-not to loan rate specials.
Credit Rating 640-679
B Category 620 - 659
C Category 600 - 619
C Category 600 - 619
LTV: 125% LTV with GAP; GPS: May Use
Credit Rating 600-639
C Category 600 - 619
LTV: 125% LTV with GAP; GPS: May Use
Rates effective as of April 23, 2025. All rates are based on Equifax beacon score. All rates are based on credit category and loan term. All rates are subject to change without prior notice. Rates fluctuate based upon the current Wall Street Journal Prime Rate. One 0.50% APR discount will be given for one of the following items when applying for an auto loan: An existing active checking account. An existing active Visa account. When applying online (through Eagle Express Web). 4.50% APR FLOOR RATE. Discounts only apply to auto loans at rates stated below-not to loan rate specials.
LTV: 125% LTV with GAP; GPS: May Use
C Category 600 - 619
LTV: 125% LTV with GAP; GPS: May Use
C Category 600 - 619
D Category = or < 599
D Category = or < 599
D Category = or < 599
D Category = or < 599
LTV: 100% LTV with GAP; GPS: Required
Credit Rating 550-599
LTV: 100% LTV with GAP; GPS: Required
D Category = or < 599
Credit Rating 549 or less
LTV: 100% LTV with GAP; GPS: Required
LTV: 100% LTV with GAP; GPS: Required
Vance Used Auto Auto Loan Rates
LTV: 125% NADA with GAP
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.
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.
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.
LTV: 125% NADA with GAP
As Low As; Beginning as low as 4.49%
A+ Category = or > 725
Rates effective as of April 23, 2025. All rates are based on Equifax beacon score. All rates are based on credit category and loan term. All rates are subject to change without prior notice. Rates fluctuate based upon the current Wall Street Journal Prime Rate. One 0.50% APR discount will be given for one of the following items when applying for an auto loan: An existing active checking account. An existing active Visa account. When applying online (through Eagle Express Web). 4.50% APR FLOOR RATE. Discounts only apply to auto loans at rates stated below-not to loan rate specials.
LTV: 125% NADA with GAP
As Low As; Loans must be paid in full within 12 months or less, depends on when the loan origination date.
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.
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. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
A Category 660 - 724
LTV: 125% NADA with GAP
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
A Category 660 - 724
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.
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a used 2022 year car would have a 5.99% APR for 60 months, monthly payment of $579.84 for $30,000 financing, down payment of $0.
LTV: 125% NADA with GAP
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. 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
Your rate will be based on your credit score and the loan-to-value ratio of your collateral 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. 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.
A Category 660 - 724
As Low As; Credit Score Performance Based
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.
LTV: 125% NADA with GAP
Your rate will be based on your credit score and the loan-to-value ratio of your collateral 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; Credit Score Performance Based
Rates effective as of April 23, 2025. All rates are based on Equifax beacon score. All rates are based on credit category and loan term. All rates are subject to change without prior notice. Rates fluctuate based upon the current Wall Street Journal Prime Rate. One 0.50% APR discount will be given for one of the following items when applying for an auto loan: An existing active checking account. An existing active Visa account. When applying online (through Eagle Express Web). 4.50% APR FLOOR RATE. Discounts only apply to auto loans at rates stated below-not to loan rate specials.
LTV: 125% NADA with GAP
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. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
B Category 620 - 659
LTV: 125% NADA with GAP
Your rate will be based on your credit score and the loan-to-value ratio of your collateral 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; Credit Score Performance Based
LTV: 125% NADA with GAP
Credit Rating 730 & above
As Low As; Credit Score Performance Based
LTV: 125% NADA with GAP
Your rate will be based on your credit score and the loan-to-value ratio of your collateral 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
Rates effective as of April 23, 2025. All rates are based on Equifax beacon score. All rates are based on credit category and loan term. All rates are subject to change without prior notice. Rates fluctuate based upon the current Wall Street Journal Prime Rate. One 0.50% APR discount will be given for one of the following items when applying for an auto loan: An existing active checking account. An existing active Visa account. When applying online (through Eagle Express Web). 4.50% APR FLOOR RATE. Discounts only apply to auto loans at rates stated below-not to loan rate specials.
LTV: 125% NADA with GAP
Credit Rating 640-679
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. 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
C Category 600 - 619
Credit Rating 600-639
C Category 600 - 619
Rates effective as of April 23, 2025. All rates are based on Equifax beacon score. All rates are based on credit category and loan term. All rates are subject to change without prior notice. Rates fluctuate based upon the current Wall Street Journal Prime Rate. One 0.50% APR discount will be given for one of the following items when applying for an auto loan: An existing active checking account. An existing active Visa account. When applying online (through Eagle Express Web). 4.50% APR FLOOR RATE. Discounts only apply to auto loans at rates stated below-not to loan rate specials.
LTV: 125% NADA with GAP; GPS: May Use
C Category 600 - 619
LTV: 125% NADA with GAP; GPS: May Use
C Category 600 - 619
LTV: 125% NADA with GAP; GPS: May Use
LTV: 125% NADA with GAP; GPS: May Use
D Category = or < 599
D Category = or < 599
D Category = or < 599
D Category = or < 599
Credit Rating 550-599
D Category = or < 599
LTV: 100% NADA with GAP; GPS: Required
Credit Rating 549 or less
LTV: 100% NADA with GAP; GPS: Required
LTV: 100% NADA with GAP; GPS: Required
Vance, MS Auto Loan Rate Trends
Compare local Vance, 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 0.464 points over the past 7 days to 5.553% APR.
Mississippi used auto rates rose 0.144 points over the past 7 days to 5.687% APR.
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 @ 5.55% APR MS average | Used Auto @ 5.69% APR MS average | Monthly Difference |
|---|---|---|---|
| $15,000 | $286.88/mo | $287.81/mo | $0.93/mo |
| $25,000 | $478.14/mo | $479.69/mo | $1.55/mo |
| $35,000 | $669.39/mo | $671.56/mo | $2.17/mo |
| $45,000 | $860.65/mo | $863.44/mo | $2.79/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.
About Our Vance, Mississippi Auto Loan Rate Database
Our Vance, Mississippi auto loan tables currently track 27 banks and credit unions offering new and used vehicle financing to borrowers in this market. Every APR is sourced directly from the lender’s own website and re-verified regularly, so the rates you compare here reflect what lenders are actually advertising today — not stale or estimated numbers.
The lowest verified auto loan APR in our Vance, Mississippi database right now is 3.29% APR from HealthPlus Federal Credit Union. Advertised APRs typically assume excellent credit, so use the full rate table above to compare offers across your actual credit tier.
How to Get the Best Auto Loan Rate in Vance, Mississippi
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Vance, 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 Vance, 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 → Vance, Mississippi CD rates lock in a guaranteed return until you’re ready to buy
Mississippi Financial Snapshot
Local demographics and economic context for car buyers — Source: U.S. Census Bureau (state-level data shown — city data not available)
A $574 monthly car payment works out to roughly 18.4% of the median individual income in Mississippi. Most budgeting guidelines suggest keeping total vehicle costs — payment, insurance, fuel, and maintenance — under 15–20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Vance, 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 1–3 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 (0–2.9% 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 Vance, 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 Vance, 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 Vance, 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 Vance, 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 Vance, 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 Vance, 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?
What are the best Auto Loan rates in Vance, Mississippi?
- HealthPlus Federal Credit Union: 3.29% (New Auto Loan)
- Statewide Federal Credit Union: 3.49% (New Autos)
- Riverland Federal Credit Union: 3.50% (Auto Loans)
- Mutual Federal Credit Union: 3.99% (New Vehicle Loans)
- Baxter Credit Union: 4.14% (Auto Loans)
Vance, Mississippi Rates & Resources
