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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 choices by providing you with interactive tools and financial calculators that provide objective and unique content. We also allow users to conduct research and compare information at no cost and help you make informed financial decisions. Bankrate has agreements with issuers, including but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn Money The products that appear on this website are provided by companies who pay us. This compensation could affect how and when products are featured on this website, for example the sequence in which they appear within the listing categories, except where prohibited by law. This applies to our mortgage, home equity and other home lending products. This compensation, however, does not influence the content we publish or the reviews appear on this website. We do not cover the entire universe of businesses or financial offers that may be accessible to you. Current car loan interest rates
Writer: Rebecca Betterton Written by Auto Loans Reporter Rebecca Betterton is the auto loans reporter for Bankrate. She is a specialist in helping readers to navigate the ways and pitfalls of borrowing money to buy a car. Written by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate since the end of 2021. They are passionate about helping readers gain confidence to manage their finances through providing clear, well-researched information that breaks down complicated topics into digestible pieces.
The 15th of March, 2023 The Bankrate promise
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The current auto loan interest rates Dates
60-month new car
48-month new car
Used car for 48 months
36-month used car
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 automotive loan interest rates 2022 proved to be a difficult year for all aspects of American finance. And now, in 2023, it's clear the automotive industry will not get away without a scratch. The decisions of the board and other supply chain concerns all impact how much it's likely to cost to finance your new automobile. The increase in the Fed rate, which is currently between 4.5 percent to 4.75 percent following the February meeting and will impact the cost of financing. Even if the skyrocketing car prices have since its peak this past summer however, the rise in interest rates will still result in a more expensive experience overall. While it is true that the Federal Funds Rate affects lender's rates, it is not the only consideration. The lenders will also consider your credit score, amount you are able to finance and the loan term. With all of this in mind, think about your next loan with extra consideration. You should make an application and compare lenders.
What's the difference between brand new or used vehicle interest rates? Car loans that are brand new generally have lower interest rates than loans for older cars . They see the newer models as less risky because they're less likely to fail and lenders can determine the extent to which they'll appreciate over time. The newer models also have a greater predictability in resales as compared to older models, and that predictability will result in a lower rate. Average interest rate by loan type For an example, below are the interest rates for new and used automobiles 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 76% Auto loan rates by credit score Scores of 740 or higher -- what's considered very good -- will help you qualify for the lowest automobile loan interest rates. But even the credit score of yours isn't as high, you could still qualify for a decent rate. Here's a breakdown of average interest rates based on credit score, according to . Credit score
New automobiles
Used cars
781-850 (super prime)
3.84%
3.69%
661-780 (prime)
4.9%
5.47%
601 to 660 (nonprime)
7.25%
9.81%
Between 501 and 600 (subprime)
10.11%
15.86%
300-500 (deep subprime)
12.93%
19.81 percent Are you ready to compare rates from top lenders? Editorial Disclosure
All reviews are written by Bankrate.com staff. Opinions expressed therein are solely the opinions of the reviewer and have not been reviewed or accepted by any advertising company. The information, including rates and fees provided in the review is correct at the time that the review was written. Review the data on the right and the lender's website for the most current details.

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