What interest rate can I expect on my auto loan with my credit score?

What interest rate can you expect on your auto loan?

It depends on your credit score — here’s a quick breakdown based on recent data:

📊 781–850 (Excellent): ~5.3% APR (new car) 

📊 661–780 (Prime): ~6.9% (new) / 9.0% (used)

📊 501–600 (Subprime): ~12.9%–19% 

📊 300–500 (Deep Subprime): ~15.6%+

As of late 2024: 

New car avg = 6.3% APR 

Used car avg = 11.6% APR

✅ Higher credit = lower rates. Always shop around to find your best deal!