Biloxi, Mississippi Best Auto Loan Rates for November 2026
Brian McKay
Brian McKay
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Biloxi, Mississippi auto loan rates range from 2.99% to 9.14% APR, verified by MonitorBankRates as of November 9, 2026. Current auto loan rates in Biloxi, Mississippi include Keesler Federal Credit UnionKeesler Federal Credit Union2602 Pass Rd, Biloxi, MS, 39531 2728A+5.0 ★Texas Ratio: 5.02%Rate verified Nov 7, 2026 offering New Auto at 4.39%, Waters Edge Federal Credit UnionWaters Edge Federal Credit Union1976 Popps Ferry Rd, Biloxi, MS, 39532A5.0 ★Texas Ratio: 7.36%Rate verified Nov 7, 2026 offering New Auto at 4.49%, Southern Coastal Federal Credit UnionSouthern Coastal Federal Credit Union677 Dr Martin Luther King Jr Blvd, BILOXI, MS, 39530 3838A+5.0 ★Texas Ratio: 2.56%Rate verified Nov 8, 2026 offering New Auto (Current & 2 year Models) 48 month term or less at 5.49%, Hope Federal Credit Union Jackson, MSHope Federal Credit Union Jackson, MS188 Porter Ave, Biloxi, MS, 39530 3724A5.0 ★Texas Ratio: 7.78%Rate verified Nov 8, 2026 offering Vehicle Loans - New (Up to 2 Years Old) at 7.57%, Members Exchange Credit UnionMembers Exchange Credit UnionA+5.0 ★Texas Ratio: 0.77%Rate verified Nov 9, 2026 offering New and Used Auto at 2.99%. Auto loan rates as of November 9, 2026 according to verified data from MonitorBankRates.
Biloxi has 4 local institutions in our database, with auto loan rates as low as 4.39% APR from Keesler Federal Credit Union at 2602 Pass Rd, Biloxi, MS, 39531 2728. 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 Biloxi, Mississippi. Auto Loan Rates Last Updated and Verified: November 9, 2026
Compare Auto Loan Rates Today in Biloxi, Mississippi & Surrounding Area
Biloxi Auto Loan Rates
As Low As; Actual rates and terms vary based on credit history, loan amount, and collateral.
As Low As; Low Interest Loans
As Low As; 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; Low Interest Loans
As Low As; Current and previous year's models
As Low As; APR* as low as; Loan Rates
As Low As; Current and previous year's models
As Low As; Models between 2-6 years old
As Low As; APR* as low as; Loan Rates
As Low As; Current and previous year's models
As Low As; Models between 2-6 years old
As Low As; Current and previous year's models
As Low As; Models between 2-6 years old
As Low As; Models 25 years or older
APR as Low As; Est. Monthly Payment per $1,000: $30.97; Includes four-wheel all terrain vehicles (ATV), side-by-side utility vehicles (UTV) and golf carts that are gas, electric and diesel models that can also be considered street legal
As Low As; Models between 2-6 years old
APR as Low As; Est. Monthly Payment per $1,000: $24.26; Includes four-wheel all terrain vehicles (ATV), side-by-side utility vehicles (UTV) and golf carts that are gas, electric and diesel models that can also be considered street legal
Published APR range: 7.571% - 18.000%. As Low As; Term of 84 months only available for vehicles up to 2 years old and loan amounts of at least $35,000
As Low As; Models 25 years or older
APR as Low As; Est. Monthly Payment per $1,000: $20.35; Includes four-wheel all terrain vehicles (ATV), side-by-side utility vehicles (UTV) and golf carts that are gas, electric and diesel models that can also be considered street legal
As Low As; Models 25 years or older
Published APR range: 8.572% - 18.00%. As Low As; Used vehicles more than 2 years old
As Low As; Models 25 years or older
As Low As; Models 25 years or older
Published APR range: 2.99%-8.49%. Amount Financed: Varies; Risk-based APR range; Rates as of 02.17.26
APR range: 3.49% - 18.00%
APR range: 3.49% - 18.00%
Rate range: 3.74 - 15.49%; rate based on credit score, term, model year, amount financed, and relationship pricing
As Low As; Model Year: 2025 & Newer; Auto Loans
- Oct 14, 20263.84%▲ from 3.64%
- Sep 22, 20263.64%first recorded
Rate range: 3.99 - 15.74%; rate based on credit score, term, model year, amount financed, and relationship pricing
As Low As; Vehicle Loans (New, Used, & Refinanced); Effective Date: November 2, 2026
- Nov 3, 20263.99%▲ from 3.50%
- Sep 21, 20263.50%first recorded
As Low As; Rates vary based on credit qualifications and vehicle collateral
As Low As; Rates vary based on credit qualifications and vehicle collateral
Published APR range: 3.99%-9.49%. Amount Financed: Varies; Risk-based APR range; Rates as of 02.17.26
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Refinance; New vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles
- Oct 20, 20264.19%▲ from 3.89%
- Sep 30, 20263.89%first recorded
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As; Vehicle Year: 2025 & Newer
As Low As; Rates vary based on credit qualifications and vehicle collateral
As Low As; New & Used: New; Model Year: Current and prior year
As Low As; Model Year: 2025 & Newer; Auto Loans
- Oct 14, 20264.34%▲ from 4.14%
- Sep 22, 20264.14%first recorded
APR range: 4.39% - 18.00%
APR range: 4.39% - 18.00%
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
- Oct 31, 20264.44%▲ from 4.09%
- Sep 30, 20264.09%first recorded
As Low As; Vehicle Year: 2025 & Newer
As Low As; Beginning as low as 4.49%; APR based on credit score
Published APR range: 4.49%-9.99%. Amount Financed: Varies; Risk-based APR range; Rates as of 02.17.26
Published APR range: 4.50%-18.00%; Published rate range: 4.50%-18.00%. All quoted loan rates are APR rates
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As; Featured rate; A lower credit score may cause a higher loan rate; APR based on credit worthiness, loan amount, current mileage, term and loan to value
APR range: 4.69% - 18.00%
APR range: 4.69% - 18.00%
As Low As; Vehicle Year: 2025 & Newer
Rate range: 4.74 - 15.99%; rate based on credit score, term, model year, amount financed, and relationship pricing
Credit Category: A+ (= or > 725); Effective January 1, 2023
Current Year < 10,000 miles; $35,000 minimum loan amount; Actual loan rates and terms may vary based on value of vehicle to loan amount requested and credit history
Used vehicle loan; current year, under 10,000 miles; $35,000 minimum; actual rates may vary based on vehicle value to loan amount and credit history
Current Year < 10,000 miles; $35,000 minimum; Actual loan rates and terms may vary based on value of vehicle to loan amount requested and credit history
As Low As; Model Year: 2023 - 2024 (call for rates on model years 2022 or older); Auto Loans
- Oct 14, 20264.84%▲ from 4.64%
- Sep 22, 20264.64%first recorded
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
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
Range: 4.95% - 16.99% APR; Up to 100% of NADA average retail or 100% of selling price, whichever is less; 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
Limited-time offer; Effective 4-23-2025; Rate as stated, no discounts apply; New and used vehicles; Credit category: A (690+)
APR range: 4.99% - 18.00%
APR range: 4.99% - 18.00%
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
Credit Rating: 730 & above; Footnote ** marked on rate
Credit Rating: 730 & above; Footnote ** marked on rate
Credit Rating: 730 & above; Footnote ** marked on rate
As Low As; Vehicle Loans (New, Used, & Refinanced); Effective Date: November 2, 2026
- Nov 3, 20264.99%▲ from 4.50%
- Sep 21, 20264.50%first recorded
As Low As
As Low As
As Low As; Rates vary based on credit qualifications and vehicle collateral
As Low As; Rates and terms subject to change; offer good with approved credit for loans new to All In CU
Published APR range: 4.99%-10.49%. Amount Financed: Varies; Risk-based APR range; Rates as of 02.17.26
As Low As; New & Used: Used; Model Year: 2-6 Model Year
APR range: 5.00% - 18.00%; Daily Periodic Rate: 0.0123% - 0.0493%
New vehicle; Rates valid as of 10/01/2026; Subject to credit approval
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
As Low As; Vehicle Year: 2021-2024
Rate range: 5.24 - 16.49%; rate based on credit score, term, model year, amount financed, and relationship pricing
As Low As; New Auto, 12-60 Month Term
Credit Grade: A (700+)
Credit Grade: A (700+)
Credit Grade: A (700+)
Credit Category: A (660 - 724); Effective January 1, 2023
Credit Category: A+ (= or > 725); Effective January 1, 2023
- Sep 21, 20265.25%▼ from 7.25%
- Sep 14, 20267.25%first recorded
As Low As; Model Year: 2023 - 2024 (call for rates on model years 2022 or older); Auto Loans
- Oct 14, 20265.34%▲ from 5.14%
- Sep 22, 20265.14%first recorded
As Low As; Model Year: 2025 & Newer (76-84 month term available for model years 2025 and newer only); Auto Loans
- Oct 14, 20265.34%▲ from 5.14%
- Sep 22, 20265.14%first recorded
As Low As; Vehicle Year: 2020
As Low As
As Low As
As Low As; Rates and terms subject to change; offer good with approved credit for loans new to All In CU
Published APR range: 5.49%-10.99%. Amount Financed: Varies; Risk-based APR range; Rates as of 02.17.26
Published APR range: 5.49%-10.99%. Amount Financed: Varies; Risk-based APR range; Rates as of 02.17.26
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
APR range: 5.59% - 18.00%
APR range: 5.59% - 18.00%
As Low As; Vehicle Year: 2016-2019
Term: Terms up to 96 months; As Low As; APR* as low as; Auto Loan
- Oct 23, 20265.59%▲ from 5.49%
- Sep 14, 20265.49%first recorded
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; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
Credit Grade: A (700+)
Credit Category: A (660 - 724); Effective January 1, 2023
- Sep 21, 20265.75%▼ from 7.25%
- Sep 14, 20267.25%first recorded
Credit Category: A+ (= or > 725); Effective January 1, 2023
- Sep 21, 20265.75%▼ from 10.25%
- Sep 14, 202610.25%first recorded
Current Year < 10,000 miles; $35,000 minimum loan amount; Actual loan rates and terms may vary based on value of vehicle to loan amount requested and credit history
Used vehicle loan; current year, under 10,000 miles; $35,000 minimum; actual rates may vary based on vehicle value to loan amount and credit history
Current Year < 10,000 miles; $35,000 minimum; Actual loan rates and terms may vary based on value of vehicle to loan amount requested and credit history
Used vehicle; Rates valid as of 10/01/2026; Subject to credit approval
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
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
As Low As; Rates vary based on credit qualifications and vehicle collateral
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; Loans under $40,000
As Low As; Vehicle Loans (New, Used, & Refinanced); Effective Date: November 2, 2026
- Nov 3, 20265.99%▲ from 5.50%
- Sep 21, 20265.50%first recorded
As Low As; Features: Over $20,000
As Low As; Features: Over $20,000
Only in A+ to B credit; Amount Financed: Varies; APR range 5.99%-8.49%; Year Models 2025 & 2024 Extended Terms; Risk-based APR within the disclosed range
New vehicle; Rates valid as of 10/01/2026; Subject to credit approval
Financing amount: $45,000; For online applicants with an excellent credit history
- Oct 31, 20266.09%▲ from 6.04%
- Oct 26, 20266.04%▼ from 6.24%
- Oct 14, 20266.24%first recorded
Financing amount: $30,000; For online applicants with an excellent credit history
- Oct 26, 20266.09%▼ from 6.29%
- Oct 14, 20266.29%first recorded
APR based on 60 months and $45,000 financing; for online applicants with excellent credit; new car purchase
- Oct 31, 20266.09%▼ from 6.24%
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
APR based on 60 months and $30,000 financing; for online applicants with excellent credit; used car purchase
- Oct 31, 20266.09%▼ from 6.29%
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
Term: Terms up to 96 months; As Low As; Vehicle age: 2-9 years old; Auto Loan
- Oct 23, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
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
As Low As; Rates and terms subject to change; offer good with approved credit for loans new to All In CU
As Low As; Footnote: 2017 and older MAX TERM 48 Months; Rates and terms subject to change; offer good with approved credit for loans new to All In CU
As Low As; New & Used: Used; Model Year: 7-14 Model Year
Over $30,000; Credit Grade: A (700+)
Credit Category: A (660 - 724); Effective January 1, 2023
- Sep 21, 20266.25%▼ from 10.25%
- Sep 14, 202610.25%first recorded
Credit Category: A+ (= or > 725); Effective January 1, 2023
- Sep 21, 20266.25%▼ from 8.50%
- Sep 14, 20268.50%first recorded
Current Year < 10,000 miles; $35,000 minimum loan amount; Actual loan rates and terms may vary based on value of vehicle to loan amount requested and credit history
Used vehicle loan; current year, under 10,000 miles; $35,000 minimum; actual rates may vary based on vehicle value to loan amount and credit history
Current Year < 10,000 miles; $35,000 minimum; Actual loan rates and terms may vary based on value of vehicle to loan amount requested and credit history
As Low As; Credit score performance based; Less than 4,000 miles
As Low As; Credit score performance based
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
As Low As; Model Year: 2023 - 2024 (call for rates on model years 2022 or older; 76-84 month term available for model years 2025 and newer only); Auto Loans
- Oct 14, 20266.34%▲ from 6.14%
- Sep 22, 20266.14%first recorded
As Low As; Rates vary based on credit qualifications and vehicle collateral
Loans under $40,000
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
As Low As; Features: Over $40,000
- Oct 19, 20266.49%▼ from 6.75%
- Oct 9, 20266.75%▲ from 6.49%
- Sep 14, 20266.49%first recorded
As Low As; Features: Over $40,000 & Under 75,000 miles
As Low As; Rates and terms subject to change; offer good with approved credit for loans new to All In CU
New vehicle; Rates valid as of 10/01/2026; Subject to credit approval
APR range: 6.59% - 18.00%
As Low As; Footnote: 2017 and older MAX TERM 48 Months; Rates and terms subject to change; offer good with approved credit for loans new to All In CU
Credit Category: B (620 - 659); Effective January 1, 2023
Credit Category: A (660 - 724); Effective January 1, 2023
- Sep 21, 20266.75%▼ from 8.50%
- Sep 14, 20268.50%first recorded
Loan amount over $30,000; Credit Category: A+ (= or > 725); Effective January 1, 2023
Current Year < 10,000 miles; $35,000 minimum loan amount; Actual loan rates and terms may vary based on value of vehicle to loan amount requested and credit history
Used vehicle loan; current year, under 10,000 miles; $35,000 minimum; actual rates may vary based on vehicle value to loan amount and credit history
Current Year < 10,000 miles; $35,000 minimum; Actual loan rates and terms may vary based on value of vehicle to loan amount requested and credit history
As Low As; Credit score performance based; Less than 4,000 miles
As Low As; Credit score performance based
Used vehicle; Rates valid as of 10/01/2026; Subject to credit approval
As Low As; Model Year: 2021
- Oct 4, 20266.80%▲ from 6.30%
- Sep 14, 20266.30%first recorded
Limited-time offer; Effective 4-23-2025; Rate as stated, no discounts apply; New and used vehicles; Credit category: B (660-689)
Credit Rating: 730 & above; Footnote ** marked on rate
Credit Rating: 680-729; Footnote ** marked on rate
Credit Rating: 680-729; Footnote ** marked on rate
Credit Rating: 680-729; Footnote ** marked on rate
Credit Grade: B (660-699)
Credit Grade: B (660-699)
Credit Grade: B (660-699)
Term: Maximum 72 months (6 years); Published rate range: 7.0% to 12.0%. Your rate depends on your Credit Score; Must have copy of window sticker; 100% + 5% of MSRP not to exceed actual purchase price
New vehicle; Rates valid as of 10/01/2026; Subject to credit approval
Used vehicle; Rates valid as of 10/01/2026; Subject to credit approval
Term: up to 60 months ($20k+); As Low As; Model Year: 2021
- Oct 4, 20267.05%▲ from 6.55%
- Sep 14, 20266.55%first recorded
As Low As; Rates and terms subject to change; offer good with approved credit for loans new to All In CU
Credit Category: B (620 - 659); Effective January 1, 2023
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
As Low As; Model Year: 2020 or Older
- Oct 4, 20267.30%▲ from 6.80%
- Sep 14, 20266.80%first recorded
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
As Low As; Rates as of Nov 05, 2026 ET
As Low As; Rates as of Nov 05, 2026 ET
Credit Grade: B (660-699)
Term: Maximum 72 months (6 years); Published rate range: 7.5% to 13.0%. Your rate depends on your Credit Score and the year of the car; We do not finance vehicles over 10 years old; 100% +5% of NADA Trade-In Value (Mileage adjusted) not to exceed actual purchase price
Term: up to 48 months ($20k+); As Low As; Model Year: 2020 or Older
- Oct 4, 20267.55%▲ from 7.05%
- Sep 14, 20267.05%first recorded
Biloxi New Auto Auto Loan Rates
As Low As; Actual rates and terms vary based on credit history, loan amount, and collateral.
As Low As; Low Interest Loans
As Low As; Current and previous year's models
As Low As; APR* as low as; Loan Rates
As Low As; Current and previous year's models
As Low As; APR* as low as; Loan Rates
As Low As; Current and previous year's models
As Low As; Current and previous year's models
APR as Low As; Est. Monthly Payment per $1,000: $30.97; Includes four-wheel all terrain vehicles (ATV), side-by-side utility vehicles (UTV) and golf carts that are gas, electric and diesel models that can also be considered street legal
APR as Low As; Est. Monthly Payment per $1,000: $24.26; Includes four-wheel all terrain vehicles (ATV), side-by-side utility vehicles (UTV) and golf carts that are gas, electric and diesel models that can also be considered street legal
Published APR range: 7.571% - 18.000%. As Low As; Term of 84 months only available for vehicles up to 2 years old and loan amounts of at least $35,000
APR as Low As; Est. Monthly Payment per $1,000: $20.35; Includes four-wheel all terrain vehicles (ATV), side-by-side utility vehicles (UTV) and golf carts that are gas, electric and diesel models that can also be considered street legal
Published APR range: 2.99%-8.49%. Amount Financed: Varies; Risk-based APR range; Rates as of 02.17.26
APR range: 3.49% - 18.00%
Rate range: 3.74 - 15.49%; rate based on credit score, term, model year, amount financed, and relationship pricing
Rate range: 3.99 - 15.74%; rate based on credit score, term, model year, amount financed, and relationship pricing
Published APR range: 3.99%-9.49%. Amount Financed: Varies; Risk-based APR range; Rates as of 02.17.26
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Refinance; New vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles
- Oct 20, 20264.19%▲ from 3.89%
- Sep 30, 20263.89%first recorded
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As; Vehicle Year: 2025 & Newer
As Low As; New & Used: New; Model Year: Current and prior year
APR range: 4.39% - 18.00%
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
- Oct 31, 20264.44%▲ from 4.09%
- Sep 30, 20264.09%first recorded
As Low As; Vehicle Year: 2025 & Newer
As Low As; Beginning as low as 4.49%; APR based on credit score
Published APR range: 4.49%-9.99%. Amount Financed: Varies; Risk-based APR range; Rates as of 02.17.26
Published APR range: 4.50%-18.00%; Published rate range: 4.50%-18.00%. All quoted loan rates are APR rates
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As; Featured rate; A lower credit score may cause a higher loan rate; APR based on credit worthiness, loan amount, current mileage, term and loan to value
APR range: 4.69% - 18.00%
As Low As; Vehicle Year: 2025 & Newer
Rate range: 4.74 - 15.99%; rate based on credit score, term, model year, amount financed, and relationship pricing
Credit Category: A+ (= or > 725); Effective January 1, 2023
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As; Model Year: NEW! 2026
APR range: 4.99% - 18.00%
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
Credit Rating: 730 & above; Footnote ** marked on rate
Credit Rating: 730 & above; Footnote ** marked on rate
Credit Rating: 730 & above; Footnote ** marked on rate
As Low As
As Low As; Rates and terms subject to change; offer good with approved credit for loans new to All In CU
Published APR range: 4.99%-10.49%. Amount Financed: Varies; Risk-based APR range; Rates as of 02.17.26
APR range: 5.00% - 18.00%; Daily Periodic Rate: 0.0123% - 0.0493%
New vehicle; Rates valid as of 10/01/2026; Subject to credit approval
Rate range: 5.24 - 16.49%; rate based on credit score, term, model year, amount financed, and relationship pricing
As Low As; New Auto, 12-60 Month Term
Credit Grade: A (700+)
Credit Grade: A (700+)
Credit Grade: A (700+)
Credit Category: A (660 - 724); Effective January 1, 2023
Credit Category: A+ (= or > 725); Effective January 1, 2023
- Sep 21, 20265.25%▼ from 7.25%
- Sep 14, 20267.25%first recorded
As Low As
As Low As; Rates and terms subject to change; offer good with approved credit for loans new to All In CU
Published APR range: 5.49%-10.99%. Amount Financed: Varies; Risk-based APR range; Rates as of 02.17.26
Published APR range: 5.49%-10.99%. Amount Financed: Varies; Risk-based APR range; Rates as of 02.17.26
APR range: 5.59% - 18.00%
Term: Terms up to 96 months; As Low As; APR* as low as; Auto Loan
- Oct 23, 20265.59%▲ from 5.49%
- Sep 14, 20265.49%first recorded
As Low As; Model Year: NEW! 2026
Credit Grade: A (700+)
Credit Category: A (660 - 724); Effective January 1, 2023
- Sep 21, 20265.75%▼ from 7.25%
- Sep 14, 20267.25%first recorded
Credit Category: A+ (= or > 725); Effective January 1, 2023
- Sep 21, 20265.75%▼ from 10.25%
- Sep 14, 202610.25%first recorded
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
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; Loans under $40,000
As Low As; Features: Over $20,000
Only in A+ to B credit; Amount Financed: Varies; APR range 5.99%-8.49%; Year Models 2025 & 2024 Extended Terms; Risk-based APR within the disclosed range
New vehicle; Rates valid as of 10/01/2026; Subject to credit approval
Financing amount: $45,000; For online applicants with an excellent credit history
- Oct 31, 20266.09%▲ from 6.04%
- Oct 26, 20266.04%▼ from 6.24%
- Oct 14, 20266.24%first recorded
APR based on 60 months and $45,000 financing; for online applicants with excellent credit; new car purchase
- Oct 31, 20266.09%▼ from 6.24%
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
As Low As; Rates and terms subject to change; offer good with approved credit for loans new to All In CU
Over $30,000; Credit Grade: A (700+)
Credit Category: A (660 - 724); Effective January 1, 2023
- Sep 21, 20266.25%▼ from 10.25%
- Sep 14, 202610.25%first recorded
Credit Category: A+ (= or > 725); Effective January 1, 2023
- Sep 21, 20266.25%▼ from 8.50%
- Sep 14, 20268.50%first recorded
As Low As; Credit score performance based; Less than 4,000 miles
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As; Features: Over $40,000
- Oct 19, 20266.49%▼ from 6.75%
- Oct 9, 20266.75%▲ from 6.49%
- Sep 14, 20266.49%first recorded
As Low As; Rates and terms subject to change; offer good with approved credit for loans new to All In CU
New vehicle; Rates valid as of 10/01/2026; Subject to credit approval
APR range: 6.59% - 18.00%
Credit Category: B (620 - 659); Effective January 1, 2023
Credit Category: A (660 - 724); Effective January 1, 2023
- Sep 21, 20266.75%▼ from 8.50%
- Sep 14, 20268.50%first recorded
Loan amount over $30,000; Credit Category: A+ (= or > 725); Effective January 1, 2023
As Low As; Credit score performance based; Less than 4,000 miles
Credit Rating: 730 & above; Footnote ** marked on rate
Credit Rating: 680-729; Footnote ** marked on rate
Credit Rating: 680-729; Footnote ** marked on rate
Credit Rating: 680-729; Footnote ** marked on rate
Credit Grade: B (660-699)
Credit Grade: B (660-699)
Credit Grade: B (660-699)
Term: Maximum 72 months (6 years); Published rate range: 7.0% to 12.0%. Your rate depends on your Credit Score; Must have copy of window sticker; 100% + 5% of MSRP not to exceed actual purchase price
New vehicle; Rates valid as of 10/01/2026; Subject to credit approval
As Low As; Rates and terms subject to change; offer good with approved credit for loans new to All In CU
Credit Category: B (620 - 659); Effective January 1, 2023
Credit Grade: B (660-699)
Biloxi Used Auto Auto Loan Rates
As Low As; 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; Low Interest Loans
As Low As; Models between 2-6 years old
As Low As; Models between 2-6 years old
As Low As; Models between 2-6 years old
As Low As; Models between 2-6 years old
Published APR range: 8.572% - 18.00%. As Low As; Used vehicles more than 2 years old
Published APR range: 2.99%-8.49%. Amount Financed: Varies; Risk-based APR range; Rates as of 02.17.26
APR range: 3.49% - 18.00%
Rate range: 3.74 - 15.49%; rate based on credit score, term, model year, amount financed, and relationship pricing
Rate range: 3.99 - 15.74%; rate based on credit score, term, model year, amount financed, and relationship pricing
As Low As; Rates vary based on credit qualifications and vehicle collateral
As Low As; Rates vary based on credit qualifications and vehicle collateral
Published APR range: 3.99%-9.49%. Amount Financed: Varies; Risk-based APR range; Rates as of 02.17.26
As Low As; Rates vary based on credit qualifications and vehicle collateral
APR range: 4.39% - 18.00%
As Low As; Beginning as low as 4.49%; APR based on credit score
Published APR range: 4.49%-9.99%. Amount Financed: Varies; Risk-based APR range; Rates as of 02.17.26
Published APR range: 4.50%-18.00%; Published rate range: 4.50%-18.00%. All quoted loan rates are APR rates
APR range: 4.69% - 18.00%
Rate range: 4.74 - 15.99%; rate based on credit score, term, model year, amount financed, and relationship pricing
Credit Category: A+ (= or > 725); Effective January 1, 2023
Current Year < 10,000 miles; $35,000 minimum loan amount; Actual loan rates and terms may vary based on value of vehicle to loan amount requested and credit history
Used vehicle loan; current year, under 10,000 miles; $35,000 minimum; actual rates may vary based on vehicle value to loan amount and credit history
Current Year < 10,000 miles; $35,000 minimum; Actual loan rates and terms may vary based on value of vehicle to loan amount requested and credit history
APR range: 4.99% - 18.00%
Rate range: 4.99 - 16.24; rate based on credit score, term, model year, amount financed, and relationship pricing
Credit Rating: 730 & above; Footnote ** marked on rate
Credit Rating: 730 & above; Footnote ** marked on rate
Credit Rating: 730 & above; Footnote ** marked on rate
As Low As; Rates vary based on credit qualifications and vehicle collateral
As Low As; Rates and terms subject to change; offer good with approved credit for loans new to All In CU
Published APR range: 4.99%-10.49%. Amount Financed: Varies; Risk-based APR range; Rates as of 02.17.26
As Low As; New & Used: Used; Model Year: 2-6 Model Year
APR range: 5.00% - 18.00%; Daily Periodic Rate: 0.0123% - 0.0493%
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
Rate range: 5.24 - 16.49%; rate based on credit score, term, model year, amount financed, and relationship pricing
Credit Grade: A (700+)
Credit Grade: A (700+)
Credit Grade: A (700+)
Credit Category: A (660 - 724); Effective January 1, 2023
Credit Category: A+ (= or > 725); Effective January 1, 2023
- Sep 21, 20265.25%▼ from 7.25%
- Sep 14, 20267.25%first recorded
As Low As; Rates and terms subject to change; offer good with approved credit for loans new to All In CU
Published APR range: 5.49%-10.99%. Amount Financed: Varies; Risk-based APR range; Rates as of 02.17.26
Published APR range: 5.49%-10.99%. Amount Financed: Varies; Risk-based APR range; Rates as of 02.17.26
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
APR range: 5.59% - 18.00%
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
Credit Grade: A (700+)
Credit Category: A (660 - 724); Effective January 1, 2023
- Sep 21, 20265.75%▼ from 7.25%
- Sep 14, 20267.25%first recorded
Credit Category: A+ (= or > 725); Effective January 1, 2023
- Sep 21, 20265.75%▼ from 10.25%
- Sep 14, 202610.25%first recorded
Current Year < 10,000 miles; $35,000 minimum loan amount; Actual loan rates and terms may vary based on value of vehicle to loan amount requested and credit history
Used vehicle loan; current year, under 10,000 miles; $35,000 minimum; actual rates may vary based on vehicle value to loan amount and credit history
Current Year < 10,000 miles; $35,000 minimum; Actual loan rates and terms may vary based on value of vehicle to loan amount requested and credit history
Used vehicle; Rates valid as of 10/01/2026; Subject to credit approval
As Low As; Rates vary based on credit qualifications and vehicle collateral
Only in A+ to B credit; Amount Financed: Varies; APR range 5.99%-8.49%; Year Models 2025 & 2024 Extended Terms; Risk-based APR within the disclosed range
Financing amount: $30,000; For online applicants with an excellent credit history
- Oct 26, 20266.09%▼ from 6.29%
- Oct 14, 20266.29%first recorded
APR based on 60 months and $30,000 financing; for online applicants with excellent credit; used car purchase
- Oct 31, 20266.09%▼ from 6.29%
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
Term: Terms up to 96 months; As Low As; Vehicle age: 2-9 years old; Auto Loan
- Oct 23, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
As Low As; Rates and terms subject to change; offer good with approved credit for loans new to All In CU
As Low As; Footnote: 2017 and older MAX TERM 48 Months; Rates and terms subject to change; offer good with approved credit for loans new to All In CU
As Low As; New & Used: Used; Model Year: 7-14 Model Year
Over $30,000; Credit Grade: A (700+)
Credit Category: A (660 - 724); Effective January 1, 2023
- Sep 21, 20266.25%▼ from 10.25%
- Sep 14, 202610.25%first recorded
Credit Category: A+ (= or > 725); Effective January 1, 2023
- Sep 21, 20266.25%▼ from 8.50%
- Sep 14, 20268.50%first recorded
Current Year < 10,000 miles; $35,000 minimum loan amount; Actual loan rates and terms may vary based on value of vehicle to loan amount requested and credit history
Used vehicle loan; current year, under 10,000 miles; $35,000 minimum; actual rates may vary based on vehicle value to loan amount and credit history
Current Year < 10,000 miles; $35,000 minimum; Actual loan rates and terms may vary based on value of vehicle to loan amount requested and credit history
As Low As; Credit score performance based
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
As Low As; Rates vary based on credit qualifications and vehicle collateral
Loans under $40,000
As Low As; Rates and terms subject to change; offer good with approved credit for loans new to All In CU
As Low As; Footnote: 2017 and older MAX TERM 48 Months; Rates and terms subject to change; offer good with approved credit for loans new to All In CU
Credit Category: B (620 - 659); Effective January 1, 2023
Credit Category: A (660 - 724); Effective January 1, 2023
- Sep 21, 20266.75%▼ from 8.50%
- Sep 14, 20268.50%first recorded
Loan amount over $30,000; Credit Category: A+ (= or > 725); Effective January 1, 2023
Current Year < 10,000 miles; $35,000 minimum loan amount; Actual loan rates and terms may vary based on value of vehicle to loan amount requested and credit history
Used vehicle loan; current year, under 10,000 miles; $35,000 minimum; actual rates may vary based on vehicle value to loan amount and credit history
Current Year < 10,000 miles; $35,000 minimum; Actual loan rates and terms may vary based on value of vehicle to loan amount requested and credit history
As Low As; Credit score performance based
Used vehicle; Rates valid as of 10/01/2026; Subject to credit approval
Credit Rating: 730 & above; Footnote ** marked on rate
Credit Rating: 680-729; Footnote ** marked on rate
Credit Rating: 680-729; Footnote ** marked on rate
Credit Rating: 680-729; Footnote ** marked on rate
Credit Grade: B (660-699)
Credit Grade: B (660-699)
Credit Grade: B (660-699)
Used vehicle; Rates valid as of 10/01/2026; Subject to credit approval
As Low As; Rates and terms subject to change; offer good with approved credit for loans new to All In CU
Credit Category: B (620 - 659); Effective January 1, 2023
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
Credit Grade: B (660-699)
Term: Maximum 72 months (6 years); Published rate range: 7.5% to 13.0%. Your rate depends on your Credit Score and the year of the car; We do not finance vehicles over 10 years old; 100% +5% of NADA Trade-In Value (Mileage adjusted) not to exceed actual purchase price
Biloxi, MS Auto Loan Rate Trends
Compare local Biloxi, 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 0.011 points over the past 7 days to 5.160% APR.
Mississippi used auto rates fell 0.115 points over the past 7 days to 5.783% APR.
Biloxi, 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 @ 5.16% APR MS average | Used Auto @ 5.78% APR MS average | Monthly Difference |
|---|---|---|---|
| $15,000 | $284.17/mo | $288.48/mo | $4.32/mo |
| $25,000 | $473.61/mo | $480.81/mo | $7.19/mo |
| $35,000 | $663.06/mo | $673.13/mo | $10.07/mo |
| $45,000 | $852.50/mo | $865.45/mo | $12.95/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 Biloxi, Mississippi
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Biloxi, 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 Biloxi, 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: Biloxi, Mississippi CD rates lock in a guaranteed return until you’re ready to buy
Biloxi, Mississippi Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $568 monthly car payment works out to roughly 19.5% of the median individual income in Biloxi, 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 Biloxi, 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 Biloxi, 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 Biloxi, 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 Biloxi, 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 Biloxi, 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 Biloxi, 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 Biloxi, Mississippi
What are auto loan rates in Biloxi, Mississippi today?
How does my credit score affect my car loan rate in Biloxi, 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 Biloxi, 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 Biloxi, Mississippi?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Biloxi, Mississippi?
- Keesler Federal Credit Union: 4.39% (New Auto)
- Waters Edge Federal Credit Union: 4.49% (New Auto)
- Southern Coastal Federal Credit Union: 5.49% (New Auto (Current & 2 year Models) 48 month term or less)
- Hope Federal Credit Union Jackson, MS: 7.57% (Vehicle Loans - New (Up to 2 Years Old))
- Members Exchange Credit Union: 2.99% (New and Used Auto)
Biloxi, Mississippi Rates & Resources
