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Average auto loan interest rates are available from several different sources and can provide an idea of what apr to expect for your auto loan. Find out how to get the best annual percentage rate (apr) on your car loan to help you save money when purchasing a vehicle. Average auto loan rates in september 2025 we've rounded up the current average interest rates for new car loans, used car loans and refinance car loans. In general, an auto loan annual percentage rate (apr) ranges from about 4 percent to 30 percent Your interest rate and apr give you a snapshot of how much you'll pay to finance a car Learn about how they're calculated and what a good rate may look like. These are the average auto loan rates by state, as determined by edmunds data Click on a state to view the apr for different vehicle types Use the toggle to see the avg Used car loan rates and. Average car interest rates do change based on your credit score, loan term, car make and model, dealer incentives, and whether or not you’re buying a new or used car. When buying a car, it is important to consider how your credit score affects your potential interest rate The average apr for a car loan includes the interest rate and additional fees, such as application fees, loan origination fees, and credit insurance premiums In the fourth quarter of 2024, the average auto loan interest rate was 6.35%.