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Add your auto loan ratesAuto Loan Rates
Anonymous, self-reported prices matching your filters.
25th pct
7.04% APR
Median
9.38% APR
75th pct
10.14% APR
90th pct
13.17% APR
APR distribution
4.89%19.34%
What drives the rate?
Average APR by credit score.
Poor (<580)
18.46%
Fair (580-669)
10.47%
Good (670-739)
8.01%
Excellent (740+)
6.61%
Recent reports
| APR | Provider | Region | Vehicle | Term | Credit score | Lender | Signed |
|---|---|---|---|---|---|---|---|
| 11.57% APR | Carvana | VA | Used | 5 years | Fair (580-669) | Bank | Jun 2026 |
| 9.13% APR | Chase | WI | Used | 3 years | Good (670-739) | Dealer / retailer | Jun 2026 |
| 8.67% APR | Bank of America | TN | New | 3 years | Fair (580-669) | Dealer / retailer | Jun 2026 |
| 6.18% APR | Navy Federal | Dallas, TX | New | 5 years | Good (670-739) | Credit union | Jun 2026 |
| 5.56% APR | Navy Federal | GA | New | 6-7 years | Good (670-739) | Dealer / retailer | Jun 2026 |
| 5.16% APR | Local Credit Union | Albany, NY | New | 5 years | Excellent (740+) | Dealer / retailer | Jun 2026 |
| 7.50% APR | Carvana | VA | Used | 6-7 years | Excellent (740+) | Credit union | May 2026 |
| 6.07% APR | Chase | Sacramento, CA | New | 6-7 years | Good (670-739) | Bank | May 2026 |
| 6.66% APR | Carvana | Los Angeles, CA | New | 5 years | Good (670-739) | Dealer / retailer | May 2026 |
| 9.56% APR | Carvana | MI | New | 5 years | Fair (580-669) | Bank | May 2026 |
| 10.13% APR | Carvana | Los Angeles, CA | New | 3 years | Fair (580-669) | Bank | May 2026 |
| 6.65% APR | Local Credit Union | WA | New | 5 years | Good (670-739) | Dealer / retailer | May 2026 |
| 18.04% APR | Bank of America | PA | Used | 6-7 years | Poor (<580) | Dealer / retailer | May 2026 |
| 10.38% APR | Capital One Auto | IL | New | 6-7 years | Fair (580-669) | Dealer / retailer | May 2026 |
| 5.09% APR | Navy Federal | Los Angeles, CA | New | 5 years | Excellent (740+) | Credit union | May 2026 |
| 9.71% APR | Bank of America | GA | New | 5 years | Fair (580-669) | Online / fintech | May 2026 |
| 9.35% APR | Bank of America | Orlando, FL | New | 6-7 years | Fair (580-669) | Credit union | Apr 2026 |
| 9.41% APR | Toyota Financial | NC | Used | 4 years | Good (670-739) | Bank | Apr 2026 |
| 13.23% APR | Bank of America | MO | Used | 4 years | Fair (580-669) | Dealer / retailer | Apr 2026 |
| 9.05% APR | Toyota Financial | Austin, TX | New | 4 years | Fair (580-669) | Bank | Apr 2026 |
| 7.16% APR | Capital One Auto | NC | Used | 6-7 years | Excellent (740+) | Dealer / retailer | Mar 2026 |
| 9.51% APR | Navy Federal | Los Angeles, CA | Used | 4 years | Good (670-739) | Bank | Mar 2026 |
| 9.58% APR | Navy Federal | UT | New | 5 years | Fair (580-669) | Bank | Mar 2026 |
| 18.00% APR | Toyota Financial | MN | Used | 3 years | Poor (<580) | Online / fintech | Mar 2026 |
| 13.11% APR | Bank of America | Sacramento, CA | Used | 5 years | Fair (580-669) | Dealer / retailer | Mar 2026 |
| 19.34% APR | Bank of America | Tampa, FL | Used | 6-7 years | Poor (<580) | Dealer / retailer | Mar 2026 |
| 12.81% APR | Chase | San Jose, CA | Used | 6-7 years | Fair (580-669) | Bank | Mar 2026 |
| 9.35% APR | Chase | TN | New | 3 years | Fair (580-669) | Credit union | Feb 2026 |
| 4.89% APR | Local Credit Union | Houston, TX | New | 6-7 years | Excellent (740+) | Dealer / retailer | Feb 2026 |
| 6.69% APR | Carvana | New York, NY | New | 4 years | Good (670-739) | Dealer / retailer | Feb 2026 |
| 10.07% APR | Chase | NJ | New | 6-7 years | Fair (580-669) | Bank | Jan 2026 |
| 8.61% APR | Bank of America | OH | Used | 6-7 years | Excellent (740+) | Bank | Jan 2026 |
| 10.00% APR | Carvana | San Diego, CA | Used | 5 years | Good (670-739) | Bank | Jan 2026 |
| 10.16% APR | Capital One Auto | Dallas, TX | Used | 4 years | Good (670-739) | Dealer / retailer | Jan 2026 |
| 10.06% APR | Chase | MA | Used | 5 years | Good (670-739) | Dealer / retailer | Jan 2026 |
| 7.88% APR | Carvana | VA | Used | 4 years | Excellent (740+) | Dealer / retailer | Jan 2026 |