Best Auto Loans in Mississippi

New and used auto purchase loans plus auto refinancing options from national and regional lenders. In Mississippi, personal loans are not subject to a state APR cap for licensed consumer lenders, overseen by the Mississippi Department of Banking and Consumer Finance.

Mississippi Lending Overview

Personal Loan APR cap

No cap

Median Home Price

$166,000

Median Household Income

$53,000

Avg Student Debt

$37,552

State Regulator

Mississippi Department of Banking and Consumer Finance

Notable law: Mississippi's Check Cashers Act permits payday loan fees up to $20 per $100 for 30-day loans, one of the highest effective APR permissive regimes in the US.

8 Auto Loans Lenders serving Mississippi

Best Egg

Auto Loans

4.1

APR Range: 7.99% – 29.99%
Loan Amount: $2,000 – $50,000
Min Credit Score: 660

Available to residents of Mississippi

Apply at Best Egg

Better Mortgage

Auto Loans

4.0

APR Range: 6.30% – 7.50%
Loan Amount: $50,000 – $2,000,000
Min Credit Score: 620

Available to residents of Mississippi

Apply at Better Mortgage

Bluevine

Auto Loans

3.9

APR Range: 4.80% – 95.00%
Loan Amount: $1,000 – $500,000
Min Credit Score: 620

Available to residents of Mississippi

Apply at Bluevine

Capital One Auto

Auto Loans

4.1

APR Range: 5.09% – 19.99%
Loan Amount: $4,000 – $250,000
Min Credit Score: 600

Available to residents of Mississippi

Apply at Capital One Auto

Earnest

Auto Loans

4.2

APR Range: 3.95% – 9.99%
Loan Amount: $5,000 – $500,000
Min Credit Score: 670

Available to residents of Mississippi

Apply at Earnest

LightStream

Auto Loans

4.3

APR Range: 6.49% – 24.89%
Loan Amount: $5,000 – $100,000
Min Credit Score: 700

Available to residents of Mississippi

Apply at LightStream

LightStream Auto

Auto Loans

4.2

APR Range: 6.49% – 20.49%
Loan Amount: $5,000 – $100,000
Min Credit Score: 700

Available to residents of Mississippi

Apply at LightStream Auto

OnDeck

Auto Loans

3.5

APR Range: 10.99% – 99.00%
Loan Amount: $5,000 – $400,000
Min Credit Score: 625

Available to residents of Mississippi

Apply at OnDeck

Mississippi Lending Laws

Mississippi's Check Cashers Act permits payday loan fees up to $20 per $100 for 30-day loans, one of the highest effective APR permissive regimes in the US.

The primary regulator for consumer lending in Mississippi is the Mississippi Department of Banking and Consumer Finance. Borrowers with complaints about a lender can file reports directly with that agency or with the federal Consumer Financial Protection Bureau (CFPB).

Frequently Asked Questions

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