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Current Rates of Interest
Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our mission is to help you make better financial decisions by offering interactive financial calculators and tools as well as publishing objective and original content. We also allow users to conduct studies and compare information for free - so that you can make financial decisions with confidence. Bankrate has agreements with issuers such as, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn Profit The deals that are advertised on this website are provided by companies who pay us. This compensation could affect how and where products appear on this website, for example, for example, the order in which they appear in the listing categories and other categories, unless prohibited by law. Our mortgage or home equity products, as well as other products that lend money to homeowners. This compensation, however, does not influence the information we publish, or the reviews you read on this site. We do not cover the entire universe of businesses or financial offerings that might be accessible to you. Current car loan interest rates
Written by Rebecca Betterton Written by Auto Loans Reporter Rebecca Betterton is the auto loans reporter for Bankrate. She specializes in helping readers to navigate the ways and pitfalls of borrowing money to purchase a car. The article was edited by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate since late 2021. They are passionate about helping readers gain the confidence to manage their finances through providing concise, well-researched and well-sourced information that breaks down otherwise complicated topics into digestible pieces.
The 15th of March, 2023 The Bankrate promise
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Current interest rates for auto loan Interest rates and dates
60-month new car
48-month new car
Used car for 48 months
Used car for 36 months
3/15/2023
6.48%
6.44%
7.02%
6.73%
3/8/2023
6.30%
6.27%
6.90%
6.58%
3/1/2023
6.30%
6.27%
6.90%
6.58%
2/22/2023
6.27%
6.25%
6.88%
6.55%
2/15/2023
6.27%
6.25%
6.88%
6.54%
2/8/2023
6.26%
6.23%
6.86%
6.52%
2/1/2023
6.19%
6.16%
6.83%
6.49%
1/25/2023
6.18%
6.17%
6.83%
6.49%
1/18/2023
6.17%
6.16%
6.8%
6.47%
1/11/2023
6.17%
6.15%
6.8%
6.47%
1/4/2023
6.26%
6.25%
7.03%
6.66%
12/28/2022
6.13%
6.12%
6.77%
6.44%
12/21/2022
6.13%
6.12%
6.76%
6.44 2023 forecast for auto loan interest rates 2022 proved to be a difficult year for all aspects of American finance. In 2023, it's clear the automotive industry will not come out unscathed. The decisions made by the government and the remaining supply chain issues all have an impact on the amount it will cost to finance your new vehicle. The higher Fed rate, which is currently between 4.5 percent to 4.75 percent after the February meeting which will affect the rates you pay. So even as sky-high vehicle prices have since its highest point in summer and the rise in interest rates could result in a more expensive experience in general. However, while it is true that the Federal Funds Rate influences the rates of lenders, it's not the only thing to consider. They will also take a look at your credit score, the amount you are able to finance and the loan term. With this all in mind, consider taking your next loan with extra care. You should apply for and shop multiple lenders.
What's the difference between brand new as well as used cars' interest rates? The loans for cars that are newer tend to have lower rates of interest than those for . The lenders view newer vehicles as less risky -- they're less likely to break down and lenders can identify exactly the extent to which they'll appreciate over time. Newer cars also have greater predictability in resales than older vehicles which results in a lower interest rate. Average interest rates by loan type To give an example, here are the interest rates for used and new cars as of Dec. 14, 2022.
The Term
New
Utilized
36 months
6.06%
6.43%
48 months
6.09%
6.74%
60 months
6.1%
7.86% auto loan rates based on credit scores A credit score that are higher than 740- what's considered very good can help you be eligible for the lowest auto loan rate. But even when your credit score is lower, you might still qualify for a decent rate. Here's a breakdown of the average interest rates by credit score according to . Credit score
New automobiles
Cars that are used
781-850 (super prime)
3.84%
3.69%
661-780 (prime)
4.9%
5.47%
601-660 (nonprime)
7.25%
9.81%
From 501 to 600 (subprime)
10.11%
15.86%
300 to 500 (deep subprime)
12.93%
19.81 percent Ready to compare rates from the best lenders? Editorial Disclosure
The reviews are all written by Bankrate.com staff. The opinions expressed are solely the opinions of the reviewer and are not reviewed or approved by any advertiser. The information that is included, including rates and fees provided in the review are accurate as of the date when the review first appeared. Review the data in the upper right hand corner of the page and the lender's site for the most up-to-date details.

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