Quick Answer: Auto Loan Rates by Credit Score in 2026
The average auto loan APR by credit score in 2026 ranges from 4.55% for superprime borrowers (781+) to 16.01% for deep subprime (300-500), according to Experian's most recent State of the Automotive Finance Market report (Q1 2026). Bankrate's weekly survey (June 3, 2026) puts the average 60-month new-car loan rate at 6.98% APR across all credit profiles, with used-car rates averaging about 12% APR.
On a $30,000, 60-month loan at those tier-average rates, the gap between superprime and deep subprime credit costs roughly $170 more per month and $10,180 in extra interest. A 100-point credit improvement before you finance can save $3,000 to $7,000 over the life of the loan.
Jump to Your Credit Score
Looking for a specific score? Each row links to a detailed breakdown of the rate and monthly payment you can expect at that score.
| Your Credit Score | Credit Tier | Avg New-Car APR (Q1 2026) | Est. Monthly Payment* |
|---|---|---|---|
| 800 credit score | Superprime (781-850) | 4.55% | $560 |
| 750 credit score | Prime (661-780) | 6.23% | $583 |
| 700 credit score | Prime (661-780) | 6.23% | $583 |
| 660 credit score | Near-prime (601-660) | 9.67% | $633 |
| 650 credit score | Near-prime (601-660) | 9.67% | $633 |
| 620 credit score | Near-prime (601-660) | 9.67% | $633 |
*Estimated payment on a $30,000, 60-month new-car loan at the tier's Q1 2026 average APR (Experian State of the Automotive Finance Market). Your actual rate depends on the lender, loan term, down payment, and vehicle.
2026 APR by Credit Tier (At a Glance)
- Superprime (781-850): 4.55% avg new / 6.30% avg used (best advertised rates, manufacturer 0% APR offers possible)
- Prime (661-780): 6.23% avg new / 8.77% avg used — most common tier, ~35% of originations
- Near-prime (601-660): 9.67% avg new / 14.03% avg used (rates jump noticeably here)
- Subprime (501-600): 13.44% avg new / 19.42% avg used (financing available but expensive)
- Deep subprime (300-500): 16.01% avg new / 21.77% avg used (highest rates, limited lender pool)
Source: Experian, Q1 2026 State of the Automotive Finance Market; Bankrate weekly auto-loan rate survey, June 3, 2026.
June 2026 Auto Loan Rates by FICO Credit Tier
Lenders group borrowers into five credit tiers, each with its own APR range. The ranges below reflect typical lender quotes in mid-2026, anchored to Experian's Q1 2026 State of the Automotive Finance Market and Bankrate's weekly auto-loan survey (updated June 3, 2026). The "Experian average APR" column shows the published Q1 2026 mean for new-car loans within each tier so you can sanity-check any quote you receive.
| Credit Tier | Score Range | New Car APR (Range) | Used Car APR (Range) | Experian Avg New APR |
|---|---|---|---|---|
| Superprime | 781 - 850 | 3.5% - 5.0% | 5.0% - 7.0% | 4.55% |
| Prime | 661 - 780 | 5.0% - 7.0% | 7.0% - 9.5% | 6.23% |
| Near-prime | 601 - 660 | 7.5% - 11.0% | 10.0% - 15.0% | 9.67% |
| Subprime | 501 - 600 | 11.5% - 15.5% | 15.0% - 20.0% | 13.44% |
| Deep subprime | 300 - 500 | 14.5% - 20.0%+ | 18.0% - 23.0%+ | 16.01% |
About These Rate Ranges
Rates vary by lender, loan term, down payment, vehicle age, and geographic location. The ranges above represent typical market rates and may differ from what a specific lender offers. Always shop multiple lenders to find your best rate.
Understanding the Credit Tiers
Superprime (781 - 850): You represent the lowest risk to lenders. You will qualify for the best advertised rates and may receive promotional 0% APR offers from manufacturer financing on select models.
Prime (661 - 780): You qualify for competitive rates from most lenders. This is the most common tier, representing roughly 35% of auto loan originations. Your rates are reasonable, though not the absolute lowest available.
Near-prime (601 - 660): You will still find financing options, but rates increase noticeably. A larger down payment or co-signer can help you negotiate a better rate. Credit unions are especially worth exploring at this tier.
Subprime (501 - 600): Financing is available but expensive. You may want to consider improving your credit score for 6-12 months before financing a vehicle, as even a 50-point improvement could save you thousands.
Deep subprime (300 - 500): You face the highest rates and may be limited to certain lenders. A larger down payment, co-signer, or buying a less expensive vehicle can improve your terms. Building credit before purchasing is generally the most cost-effective path.
Auto Loan Rates for a 620, 650, 660, 700, 750, or 800 Credit Score
Lenders price auto loans by credit band, not by exact score, so two applicants with a 655 and a 660 usually see the same rate sheet. Find your band below for the current average new- and used-car APR and a worked sample payment. Every average comes from Experian's Q1 2026 State of the Automotive Finance Market, and every sample payment is a $30,000 loan over 60 months computed with the standard amortization formula.
| Credit Band | Avg New APR | New Payment / Interest | Avg Used APR | Used Payment / Interest |
|---|---|---|---|---|
| Superprime (781-850) | 4.55% | $560 / $3,598 | 6.30% | $584 / $5,051 |
| Prime (661-780) | 6.23% | $583 / $4,992 | 8.77% | $619 / $7,164 |
| Near-prime (601-660) | 9.67% | $633 / $7,953 | 14.03% | $699 / $11,911 |
| Subprime (501-600) | 13.44% | $689 / $11,362 | 19.42% | $785 / $17,110 |
| Deep subprime (300-500) | 16.01% | $730 / $13,782 | 21.77% | $825 / $19,479 |
Superprime: 781-850 Credit Score
Superprime borrowers get the lowest advertised rates from virtually every lender, averaging 4.55% APR on new cars and 6.30% on used in Q1 2026. On a $30,000, 60-month new-car loan, that is about $560 per month with $3,598 in total interest. You are also the target audience for manufacturer promotional financing — 0% to 2.9% APR offers on select new models.
800 credit score: An 800 score sits comfortably inside the superprime band. Expect quotes at or below the 4.55% new-car average — roughly 3.5% to 5.0% APR from competitive lenders — and around $560 per month on a $30,000, 60-month loan. With an 800 score, your job is not qualifying; it is making lenders compete. Get at least three quotes and ask each to beat the best one.
Prime: 661-780 Credit Score
Prime is the largest tier, and rates remain competitive: 6.23% APR average on new cars and 8.77% on used in Q1 2026. A $30,000, 60-month new-car loan at the prime average runs about $583 per month with $4,992 in total interest — only about $23 per month more than a superprime borrower pays.
750 credit score: A 750 score is in the upper half of the prime band, so you will often beat the 6.23% prime average — quotes of 5.0% to 6.5% APR on new cars are realistic, or roughly $566 to $587 per month on $30,000 over 60 months. You are 31 points from superprime (781); if you are close to financing anyway, a few months of on-time payments and low card balances could push you into the cheapest tier.
700 credit score: A 700 score lands mid-prime. Plan on quotes near the 6.23% new-car average (about $583 per month on $30,000 over 60 months) and around 8.77% on used cars (about $619 per month). Credit unions frequently quote 700-score borrowers 0.5 to 1.5 percentage points below dealer financing, so get a credit-union pre-approval before you visit the lot.
Near-Prime: 601-660 Credit Score
This is where pricing jumps. Near-prime borrowers averaged 9.67% APR on new cars and 14.03% on used in Q1 2026. A $30,000, 60-month new-car loan at the near-prime average costs about $633 per month with $7,953 in total interest — roughly $2,960 more interest than a prime borrower pays on the identical car.
660 credit score: At 660 you are one point below the prime cutoff (661). Lenders using tiered rate sheets will price you near-prime — around 9.67% APR on a new car ($633 per month) — but crossing into prime could drop you toward 6.23% and save about $50 per month and $2,960 in interest on a $30,000, 60-month loan. If your purchase can wait even one billing cycle, paying down a credit card balance may be worth thousands.
650 credit score: A 650 score prices at typical near-prime rates: expect roughly 8% to 12% APR on a new car (the Q1 2026 band average is 9.67%, about $633 per month on $30,000 over 60 months) and 12% to 16% on used. Shop credit unions first — they are consistently the most forgiving lenders in this band — and consider a co-signer or a 20%+ down payment to move your quote toward the low end.
620 credit score: A 620 score is in the lower near-prime range, so quotes often land above the 9.67% band average — roughly 9% to 13% APR on a new car and 13% to 17% on used. At 11% APR, $30,000 over 60 months costs about $652 per month. Financing is readily available at 620, but compare at least three offers: the spread between the best and worst quote at this score is often 4+ percentage points, worth $60+ per month.
Subprime: 501-600 Credit Score
Subprime borrowers averaged 13.44% APR on new cars and 19.42% on used in Q1 2026. A $30,000, 60-month new-car loan at the subprime average runs about $689 per month with $11,362 in total interest — more than a third of the vehicle's price in interest alone. If your timeline allows, 6-12 months of credit repair (on-time payments, lower card balances, disputing report errors) can move you up a band and save thousands. A larger down payment or a co-signer also materially improves subprime quotes.
Deep Subprime: 300-500 Credit Score
Deep subprime borrowers face the highest market rates: 16.01% APR average on new cars and 21.77% on used in Q1 2026. On $30,000 over 60 months, the new-car average means about $730 per month and $13,782 in total interest. At these prices, the most cost-effective move is usually a cheaper vehicle, a substantial down payment, and a plan to refinance once your score improves — a 100-point improvement could later cut your rate roughly in half.
Run Your Own Score-Band Scenario in the Auto Loan Calculator →
How These Payments Were Calculated
Sample payments use the standard amortization formula M = P·r(1+r)n / ((1+r)n − 1), where P = $30,000, n = 60 months, and r = APR ÷ 1,200. APR averages are from Experian's Q1 2026 State of the Automotive Finance Market. Your quoted rate will vary with lender, term, down payment, and vehicle age.
How Credit Score Impacts Total Loan Cost
The difference between credit tiers is not just about monthly payments -- it is about the total amount you pay over the life of the loan. Here is what a $30,000, 60-month auto loan looks like across credit tiers.
| Credit Tier | APR | Monthly Payment | Total Interest | Total Cost |
|---|---|---|---|---|
| Superprime | 4.5% | $560 | $3,600 | $33,600 |
| Prime | 6.5% | $587 | $5,220 | $35,220 |
| Near-prime | 10.0% | $637 | $8,220 | $38,220 |
| Subprime | 14.0% | $698 | $11,880 | $41,880 |
| Deep subprime | 19.0% | $779 | $16,740 | $46,740 |
The True Cost of Poor Credit
A deep subprime borrower pays $219 more per month and $13,140 more in total interest compared to a superprime borrower on the exact same $30,000 vehicle. That extra cost could buy a second used car.
These figures demonstrate why improving your credit score before taking out an auto loan is one of the most valuable financial moves you can make. Even moving up one tier -- say from subprime to near-prime -- could save you $3,660 in interest over the life of the loan.
New Car vs. Used Car Rate Differences
Used car loan rates are consistently higher than new car rates across every credit tier. Lenders charge more because used vehicles carry greater risk: they depreciate faster relative to the loan balance and have a shorter expected useful life. For a detailed breakdown, see our new vs. used car buying guide.
| Credit Tier | New Car APR | New Car Payment | Used Car APR | Used Car Payment | Monthly Difference |
|---|---|---|---|---|---|
| Superprime | 4.5% | $560 | 6.0% | $580 | +$20 |
| Prime | 6.5% | $587 | 8.5% | $614 | +$27 |
| Near-prime | 10.0% | $637 | 12.5% | $674 | +$37 |
| Subprime | 14.0% | $698 | 17.0% | $743 | +$45 |
| Deep subprime | 19.0% | $779 | 21.5% | $819 | +$40 |
Why the Rate Gap Exists
- Depreciation risk: Used cars have already lost their steepest depreciation, but lenders still see them as higher-risk collateral
- Manufacturer incentives: New cars sometimes carry subsidized rates (even 0% APR) from the automaker's captive financing arm, which used cars rarely receive. Compare the total cost difference with our lease vs. buy analysis
- Loan-to-value ratio: Used car valuations are less predictable, so lenders build in a larger risk premium
- Loan term limits: Many lenders cap used car loan terms at 60-72 months versus 84 months for new, affecting payment structure
Certified Pre-Owned Advantage
Certified pre-owned (CPO) vehicles often qualify for rates closer to new car rates. Manufacturers typically offer special CPO financing between 4.9% and 7.9% APR regardless of whether the rate would normally be higher for a used vehicle.
How to Get the Best Auto Loan Rate
Regardless of your current credit tier, you can take concrete steps to lower your auto loan rate. Here are the most effective strategies, ranked by impact.
1. Improve Your Credit Score Before You Buy
If your purchase is not urgent, spending 3-6 months improving your credit can yield dramatic savings.
- Pay down credit card balances to get your utilization below 30% (below 10% is ideal)
- Make every payment on time -- payment history is 35% of your FICO score
- Dispute errors on your credit reports through AnnualCreditReport.com
- Avoid opening new accounts right before applying for an auto loan
- Become an authorized user on a family member's long-standing, low-utilization card
2. Shop Multiple Lenders
Rate-shopping is one of the most underused strategies. Multiple auto loan inquiries within a 14-day window count as a single hard inquiry on your credit report, so there is no penalty for comparing offers.
Get quotes from at least three sources:
- Your primary bank or credit union
- An online auto lender (such as Capital One Auto, LightStream, or myAutoloan)
- The dealer's finance department
3. Consider a Credit Union
Credit unions are member-owned nonprofits that consistently offer lower auto loan rates than banks and dealers. According to the National Credit Union Administration, credit union auto loan rates typically run 0.5% to 1.5% lower than bank rates.
| Lender Type | Typical New Car Rate (Prime) | Typical Used Car Rate (Prime) |
|---|---|---|
| Credit Union | 4.5% - 6.0% | 5.5% - 7.5% |
| Bank | 5.5% - 7.0% | 7.0% - 9.0% |
| Online Lender | 5.0% - 7.0% | 6.5% - 9.5% |
| Dealer Financing | 5.5% - 8.0% | 7.5% - 11.0% |
4. Make a Larger Down Payment
A down payment of 20% or more reduces the loan-to-value ratio, which signals less risk to lenders. Many lenders offer rate discounts for borrowers who put more money down. On a $30,000 vehicle, a $6,000 down payment also protects you from negative equity.
5. Choose a Shorter Loan Term
Shorter loans carry lower interest rates. A 36-month term will typically offer a rate 0.5% to 1.5% lower than a 72-month term. While the monthly payment is higher, the total savings are substantial.
6. Get Pre-Approved Before Visiting the Dealer
Pre-approval gives you a firm rate offer in hand, which you can use as leverage at the dealership. Dealers may beat your pre-approved rate to win your financing business, or you can simply use your pre-approved offer if the dealer cannot match it.
Dealer Financing vs. Bank vs. Credit Union vs. Online Lenders
Where you get your auto loan matters as much as your credit score. Each financing channel has distinct advantages and drawbacks.
| Factor | Dealer | Bank | Credit Union | Online Lender |
|---|---|---|---|---|
| Rate competitiveness | Varies widely | Moderate | Best overall | Competitive |
| Convenience | Highest (one-stop) | Good | Good | Very good |
| Negotiability | Often marked up | Limited | Member-friendly | Fixed offers |
| Special programs | 0% APR promos | Relationship discounts | Flexible terms | Soft pull pre-qual |
| Best for | Promo rates, convenience | Existing customers | Best rates overall | Comparison shopping |
Watch for Dealer Rate Markup
Dealers can legally mark up the interest rate they receive from lenders. If a lender approves you at 5%, the dealer might offer you 7% and pocket the 2% difference. Having a pre-approved offer protects you from this practice. Always ask what the "buy rate" is versus the offered rate.
The Pre-Approval Process Explained
Pre-approval is a commitment from a lender to offer you financing at a specific rate, subject to final verification. Here is how to get pre-approved efficiently.
Step 1: Check Your Credit Report
Visit AnnualCreditReport.com(opens in new tab) to review your free credit reports from all three bureaus. Dispute any errors before applying.
Step 2: Gather Your Information
Most lenders require:
- Social Security number
- Proof of income (pay stubs, W-2s, or tax returns)
- Current address and employment information
- Desired loan amount and term
Step 3: Apply with Multiple Lenders
Submit applications to at least 3 lenders within a 14-day window. Credit scoring models (FICO and VantageScore) treat multiple auto loan inquiries in this period as a single hard pull.
Step 4: Compare Offers
Review each offer's APR, loan term, monthly payment, total interest, and any origination fees. The lowest APR does not always mean the best deal if one lender charges upfront fees.
Step 5: Bring Your Best Offer to the Dealer
Present your pre-approval letter when negotiating. Focus on the out-the-door vehicle price first, then discuss financing. The dealer may offer to beat your rate -- compare the full terms before accepting.
When to Refinance Your Auto Loan
If you are currently paying a high rate, refinancing your auto loan can significantly reduce your monthly payment and total interest. Consider refinancing when:
- Your credit score has improved by 50+ points since your original loan
- Market rates have dropped at least 1-2 percentage points below your current rate
- You accepted dealer financing at a rate higher than what banks or credit unions offer
- You are in the first half of your loan term (when you are paying the most interest)
Refinancing Example
| Scenario | Original Loan | Refinanced Loan |
|---|---|---|
| Remaining balance | $22,000 | $22,000 |
| Interest rate | 12.0% | 7.0% |
| Remaining term | 48 months | 48 months |
| Monthly payment | $579 | $527 |
| Remaining interest | $5,792 | $3,296 |
| Total savings | -- | $2,496 |
Timing Matters
Refinancing works best early in your loan when more of your payment goes toward interest. If you are more than halfway through your term, the potential savings diminish because you have already paid most of the interest.
2026 Auto Loan Rate Trends and Fed Impact
Auto loan rates do not move in isolation. They are influenced by Federal Reserve policy, the broader economy, and lender competition.
How the Federal Funds Rate Affects Auto Loans
When the Federal Reserve raises or lowers the federal funds rate, auto loan rates generally follow -- though not immediately or in exact proportion. The relationship works like this:
- Fed rate cuts: Banks' cost of borrowing decreases, which typically leads to lower auto loan rates within 1-3 months
- Fed rate hikes: Borrowing costs increase, and auto loan rates rise accordingly
- Rate holds: Auto loan rates remain relatively stable, though lender competition can still create movement
2026 Rate Outlook
After the rate adjustments in late 2024 and 2025, the Federal Reserve's monetary policy continues to influence auto lending conditions in 2026. Most industry analysts expect:
- Auto loan rates may ease 0.25% to 0.75% by late 2026 if the Fed continues its accommodative stance
- New vehicle supply has normalized, reducing the rate premiums seen during the supply chain disruptions of 2021-2023
- Used car prices have stabilized, which may lead to slightly more competitive used car financing
- Credit unions and online lenders are competing aggressively for auto loan business, which benefits consumers
Rate Forecasts Are Not Guarantees
Interest rate predictions are based on current economic conditions and Federal Reserve guidance. Unexpected economic events, inflation changes, or policy shifts can alter the trajectory. Focus on the rate you can secure today rather than waiting for potentially lower rates that may not materialize.
Frequently Asked Questions
Per Experian's Q1 2026 State of the Automotive Finance Market, the average new-car APR is 4.55% for superprime borrowers (781+) and 16.01% for deep subprime (300-500). Bankrate's June 3, 2026 survey puts the average 60-month new-car loan at 6.98% APR across all credit profiles, with used-car loans averaging about 12% APR.
A 720 FICO score sits in the prime tier (661-780), which carries an average new-car APR of roughly 6.0% to 7.0% in June 2026 and 8.5% to 9.5% on used cars. Most banks, credit unions, and online lenders quote a 720-score buyer between 5.5% and 7.5% on a 60-month new-car loan, with credit unions usually 0.5-1.5 percentage points lower than dealer financing.
A 620 credit score falls in the near-prime band (601-660), which averaged 9.67% APR on new cars and 14.03% on used in Experian's Q1 2026 data. Because 620 sits in the lower half of the band, quotes often run 9% to 13% on new cars. At the band average, a $30,000, 60-month loan costs about $633 per month. Compare at least three lenders — quote spreads are widest at this score. See the full 620-score breakdown above.
A 650 credit score is near-prime (601-660). Experian's Q1 2026 data shows that band averaging 9.67% APR on new cars (about $633 per month on a $30,000, 60-month loan) and 14.03% on used. Credit unions are typically the most competitive lenders at 650, and a co-signer or a 20%+ down payment can move your quote toward the low end of the 8%-12% range.
At 660 you are one point below the prime cutoff (661), so most lenders price you near-prime — around the band's 9.67% Q1 2026 new-car average, or about $633 per month on a $30,000, 60-month loan. Crossing into prime (6.23% average) would save roughly $50 per month and $2,960 in total interest, so raising your score even slightly before applying can pay off substantially.
A 700 credit score lands mid-prime (661-780). Experian's Q1 2026 averages for that band are 6.23% APR on new cars — about $583 per month on a $30,000, 60-month loan — and 8.77% on used (about $619 per month). Credit unions frequently quote 700-score borrowers 0.5 to 1.5 percentage points below dealer financing.
A 750 credit score sits in the upper prime band (661-780), so you will often beat the band's 6.23% Q1 2026 new-car average. Quotes of 5.0% to 6.5% APR are realistic — roughly $566 to $587 per month on a $30,000, 60-month loan. You are 31 points from superprime (781), where average rates drop to 4.55%, so a small score improvement before financing can reach the cheapest tier.
An 800 credit score is solidly superprime (781-850), the tier with the best pricing: a 4.55% average new-car APR and 6.30% used in Experian's Q1 2026 data. That is about $560 per month on a $30,000, 60-month new-car loan. Expect quotes of roughly 3.5% to 5.0% from competitive lenders, plus eligibility for manufacturer 0% APR promotions on select new models.
A good auto loan rate in 2026 is generally between 4.5% and 6.5% APR for a new car, or 5.5% to 8.0% for a used car. These rates typically require a credit score of 661 or higher. Borrowers with superprime credit (781+) average 4.55% APR on new vehicles per Experian Q1 2026 data.
Credit score has a major impact. The gap between superprime (4.55% avg APR) and deep subprime (16.01% avg APR) on a $30,000 60-month loan is roughly $170 per month and $10,180 in total interest, per Experian Q1 2026 averages. Each step down the credit tiers generally adds 1.5 to 4 percentage points to your rate.
Yes. Used-car loan rates run roughly 2-6 percentage points higher than new-car rates depending on credit tier, with the widest gaps in the subprime tiers (Experian Q1 2026). Bankrate's June 3, 2026 survey shows the average new-car APR at about 6.78% versus about 12% for used cars. Lenders charge more for used vehicles due to depreciation risk, less predictable collateral values, and shorter remaining useful life.
Yes, but expect significantly higher rates. Deep subprime borrowers (below 501) typically face rates of 14% to 20% or higher. Consider building your credit before borrowing, making a larger down payment, or finding a co-signer to reduce your rate. Even 3-6 months of credit improvement can make a meaningful difference.
Absolutely. Pre-approval from a bank, credit union, or online lender gives you a firm rate to compare against dealer financing. It strengthens your negotiating position because you can focus on the vehicle price rather than the monthly payment. Multiple applications within a 14-day window count as a single credit inquiry.
Credit unions typically offer auto loan rates 0.5% to 1.5% lower than traditional banks and dealers. As nonprofit institutions, they return profits to members through lower rates. According to NCUA data, credit union auto loan rates average about 1% below bank rates across all credit tiers.
Consider refinancing when your credit score has improved by 50+ points, market rates have dropped at least 1-2 percentage points below your current rate, or you accepted dealer financing at a higher rate. The best time to refinance is within the first half of your loan term, when you are paying the most interest.
Auto loan rates in 2026 are influenced by Federal Reserve policy. If the Fed continues its accommodative stance, rates may gradually decrease through the year. Most industry forecasts suggest rates may ease 0.25% to 0.75% by late 2026. However, rates also depend on lender competition, vehicle supply, and individual credit profiles.
Your Next Steps
- Check your credit score for free through your bank or at AnnualCreditReport.com(opens in new tab)
- Know your credit tier and the rate range you should expect from the table above
- Get pre-approved from at least 3 lenders (bank, credit union, and online lender) within a 14-day window
- Calculate your budget using our auto loan calculator to see exact monthly payments at different rates
- Negotiate the vehicle price first at the dealer, then compare financing offers
- Review your loan after 6-12 months to see if refinancing makes sense
Ready to See Your Payment?
Enter your loan amount, rate, and term into our auto loan calculator to see your exact monthly payment, total interest, and compare different scenarios side by side.
Sources
- Experian - State of the Automotive Finance Market(opens in new tab)
- Federal Reserve - Consumer Credit (G.19 Report)(opens in new tab)
- Consumer Financial Protection Bureau - Auto Loans(opens in new tab)
- National Credit Union Administration - Rate Data(opens in new tab)
- myFICO - Loan Savings Calculator(opens in new tab)
- FTC - Buying a New Car(opens in new tab)
Important Disclaimer
Disclaimer: This content is for educational and informational purposes only and does not constitute financial, tax, or legal advice. Individual circumstances vary, and you should consult with a qualified professional before making financial decisions. Interest rates shown are representative ranges based on publicly available data and may not reflect rates offered by specific lenders. Actual rates depend on credit score, loan amount, term, vehicle type, down payment, and lender policies. While we strive for accuracy, rates and market conditions change frequently. Data current as of July 2026 (Experian Q1 2026 State of the Automotive Finance Market; Bankrate weekly auto-loan rate survey, June 3, 2026).
Content reviewed by the Digital Calculator Team. Learn more about our accuracy standards.