Auto Loans
Get to Wherever You Need to Go With Help from MidSouth.
When it’s time to purchase a new or used car, motorcycle, or RV, MidSouth Community Federal Credit Union has the loans you need at the rates you want.
Apply Now See Rates Loan CalculatorLow Auto Loan Rates for a High-Value Experience
Whether you need a new car to get from point A to point B or want a new toy for the road, MidSouth makes the lending process easy and affordable.
We’re available with solutions like:
Auto Loans
Motorcycle Loans
RV Loans
No matter what vehicle you’re interested in, MidSouth has the lending solution you need to get behind the wheel and onto your next adventure.
Auto and Vehicle Loan Rates
| Term | APR1 as low as: |
|---|---|
| 0-36 mo. | 3.99% |
| 37-48 mo. | 3.99% |
| 49-60 mo. | 3.99% |
| 61-72 mo. | 5.50% |
| 73-84 mo. | 6.25% |
| Term | APR1 as low as: |
|---|---|
| 0-36 mo. | 7.75% |
| 37-60 mo. | 8.00% |
| 61-72 mo. | 8.75% |
| 73-84 mo. | 9.25% |
1APR – Annual Percentage Rate. Annual Percentage Rate is accurate as of October 20, 2025. Rates listed are our best rates (A+ credit) based on credit approval and our lending requirements. Rates are accurate as of the above date and are subject to change. The actual interest offered may be higher depending on the applicant’s credit rating and other underwriting factors. Terms, conditions, and membership requirements apply. All loans are subject to credit approval. Not valid with auto loans currently financed with MidSouth Community FCU. For questions or complaints, please call 478-475-7819. Equal Opportunity Lender.
Credit Protection You Can Feel Confident About
The last thing you want to do is jeopardize your credit should something happen to the vehicle during the loan term. MidSouth offers several opportunities to protect yourself in case something disastrous happens to your car, motorcycle, or RV.
Guaranteed Asset Protection (GAP)
GAP1 covers the remaining balance of your loan in case you total your vehicle and end up owing more than insurance will pay.
Warranty Products
Similar to GAP, there are various warranty products1—Mechanical Breakdown Protection and Depreciation Protection Waiver—designed to protect you in case your vehicle experiences problems.
1GAP and warranty products are not products of the Credit Union and are not obligations of or guaranteed by the Credit Union. GAP or warranties may be purchased from an agent or an insurance company of the Member’s choice, and Credit Union makes no representations as to the services of any provider.
Get a Free QuoteIndirect Lending—Lending Services Made Easy
Did you know you have the option to open a MidSouth auto loan at any of our participating local dealerships? Whether you’re purchasing a new or used vehicle, our indirect lending program allows you to obtain a MidSouth auto loan while still on the showroom floor. It’s a quick, convenient way to drive away in your new car or truck!
Want to make monthly payments automatically from your savings or checking account? You can set that up at the dealership, too!
Discover Participating Dealerships
Have an Easier Car-Buying Experience.
Apply for Your Auto Loan Today!
Calculate Your Loan and Monthly Payment
Want an idea of what your loan amount and monthly payment may be? Use our loan calculator for a ballpark estimate of what you can expect to borrow and pay.
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Automate Payments Through Digital Banking
At MidSouth, you never have to feel the dread of realizing you’ve missed a payment on your auto loan. You can automate your payments to be pulled from your savings or checking account each month, ensuring you stay on time with your payment schedule.
Log in to Your Account
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