Auto Loan Rate by Credit Score
Average APRs by credit-score tier (2024-2025 Experian Auto Insights data). Enter your score and loan details to see your projected monthly payment, total cost, and how much a higher score would save you.
2026 average auto loan rates by credit-score tier
Source: Experian Auto Insights, 2024-Q4 / 2025-Q1 averages. Your actual rate depends on lender, down payment, debt-to-income ratio, and other factors beyond credit score.
How much can credit repair save on a car loan?
The gap between subprime and prime rates is dramatic. On a $25,000, 60-month loan:
- 580 score (subprime): ~12.85% APR new / ~18.97% used
- 720 score (prime): ~6.93% new / ~9.06% used
- Difference over 5 years: $4,500-$8,000 in saved interest
If you have 60-90 days before you need the car, fixing your credit first can pay for itself many times over. The difference between a 620 and a 720 score on a typical auto loan is often more than the entire cost of a year of credit-repair service.
Get your score up before you finance.
CreditCougar runs the Cougar Method on your credit file — FCRA disputes, utilization optimization, round-2 escalation. Most users see meaningful score lift within 60-90 days. Plenty of time before your auto loan.
Start the hunt — $1 trial