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No weekly change

Auto Loan Rate Trends

Follow new and used auto loan APRs and see how a lower rate changes the monthly payment and total interest on your car.

Best new-car APR

5.24% APR

Benchmark average

8.51% APR

User opportunity

25 bps can matter on large balances

Historical archive

Auto Loans over time

No weekly change

3 mo

5.20%

30 d

5.31%

Today

5.20%

What changed

Rates are holding steady, which makes comparison discipline more important than timing.

Why it matters

Should I refinance my car loan?

What to do next

Compare your current auto rate against today's best offers.

How we track this rateShow

SourceSwitchWize Rate Scout (Bankrate), updated daily

MethodBest auto loan APR sourced from SwitchWize Rate Scout daily scrape. Lowest advertised rate typically requires excellent credit (720+ FICO) on a new-car purchase. Used-car and longer-term rates are higher; the rate you are offered depends on credit, loan-to-value, and term.

Verified existing coverage

Use what SwitchWize already has

6 links

GuideBest Auto Loans: Top Lenders Ranked by Rate, Term, and Total CostA ranked comparison of the best auto loans in 2026. Includes APR by credit tier, new vs used rate differences, loan term total-interest math, and preapproval strategy.GuideAlly High Yield Savings Review: Features, Rates & VerdictOur ally high yield savings review breaks down Ally's current APY, Buckets feature, automated Boosters, pros, cons, and competitor comparison for 2026.GuideHow to Get a Car Loan: Rates, Requirements, and Where to ApplyAuto loan rates vary by 3–5 percentage points depending on where you borrow. Here's how credit score affects your rate, where to get the best terms, and how to avoid dealer financing traps.GuideHow to Get Pre-Approved for an Auto Loan Before You BuyGetting pre-approved for an auto loan before visiting a dealership gives you a rate benchmark, negotiating power, and protection against dealer financing markups. Here's how to do it in 30 minutes.CalculatorAuto Loan Payment and Affordability PlannerCalculate the real monthly car payment after taxes, fees, trade-in, down payment, APR, loan term, payment-to-income, loan-to-value, and dealer markup sensitivity.ComparisonProduct comparisonExisting SwitchWize comparison page connected to this rate.

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