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Current Interest Rates

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Writer: Rebecca Betterton Written by Auto Loans Reporter Rebecca Betterton is the auto loans reporter for Bankrate. She specializes in helping readers with the details of borrowing money to buy cars. The article was edited by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate since the end of 2021. They are dedicated to helping readers gain confidence to manage their finances by providing precise, well-studied information that breaks down complex topics into manageable bites.

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The current interest rates for auto loan rate of interest Dates

60-month new car

48-month new car

Used 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 the outlook for auto loan interest rates 2022 proved to be a difficult year in all facets of American finance. Now, in 2023, it’s evident that the automotive industry will not get away without a scratch. Decisions made by the and the remaining supply chain issues all impact how much it’s going to cost to finance your new automobile. The increased Fed rate, currently at 4.5 per cent to 4.75 percent following the meeting in February which will affect your rates. So even as sky-high vehicle prices have been since their peak this past summer however, the rise in interest rates will still make for a more costly experience all-in. But while the federal funds rate influences the rates of lenders, it’s not the only factor. Lenders will also look at the credit rating of yours, amount of money financed as well as your loan duration. With all of this in mind, consider the next loan with attention. Be sure to make an application and compare lenders.

What’s the difference between brand new or used vehicle interest rates? The loans for cars that are newer generally be lower in interest rates than loans for . They see the newer models as less of a risk as they are less likely to break down and lenders can determine how much they’ll depreciate over time. Also, newer vehicles have a more predictable resale value than older vehicles and this predictability results in a lower interest rate. Average interest rate by loan type As an example, below are the interest rates for both used and new automobiles at the time of December. 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 by credit score A credit score that are 740 or more- what’s considered very good — will help you qualify for the lowest automobile loan cost. Even if your credit score is lower, you may 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 to 850 (super prime)

3.84%

3.69%

661 to 780 (prime)

4.9%

5.47%

601-660 (nonprime)

7.25%

9.81%

Between 501 and 600 (subprime)

10.11%

15.86%

300-500 (deep subprime)

12.93%

19.81 percent Ready to compare rates from the best lenders? Editorial Disclosure

All reviews are written by Bankrate.com staff. The opinions expressed in the review are only those of the reviewer , and have not been evaluated or accepted by any advertising company. The information, including rates and fees provided in the review are accurate as of the date of the review. Check the data on the right and the lender’s site for the most current information.

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