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Average car loan interest rates. Credit score. Average APR, new car. Average APR, used car. Superprime: Prime: Nonprime: Bankrate has answers. Our experts have been helping you master your money for over four decades.
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The information on this site does not modify any insurance policy terms in any way. And a lower interest rate can mean thousands of dollars in savings.
Our rate table can help you know the best time to buy a new or a used car. You can get prequalified for an auto loan online and without ever leaving your home. Refinancing a car loan is essentially just taking out a new car loan — so the steps for applying are mostly the same. You'll need your driver's license, Social Security number and proof of income, as well as details about your car. If approved, you'll use the funds from your new loan to pay off your old car loan, then begin making monthly payments with your new interest rate and terms.
It is possible to sell your car with an outstanding loan, but you may have to go through a few extra steps. If your car is worth less than what you currently owe on the loan, you have what's known as negative equity — meaning you may need to pay the difference out of pocket or refinance the remaining amount with a different type of loan.
If your car is worth more than what you currently owe, on the other hand, you may be able to pocket the difference in cash when you sell the car. Whatever your situation, reach out to your lender about your options, as each lender sets different rules for selling a car with a loan.
Choosing between a dealership and a bank for an auto loan is complicated. In general, dealerships may offer higher rates than banks — but this may not be the case for used cars.
Regardless, it's important to get quotes from a few banks or online lenders first; that way you can come to the dealership prepared. Ask for a quote from the dealership as well, comparing rates, terms and any additional fees. Many lenders require some form of down payment on a car. However, that's not necessarily a bad thing; making a down payment will lower your monthly payments — and the larger your down payment, the more you save. Making a larger down payment could also lower the interest rate the lender offers you.
Current Auto Loan Rates for November Written by Holly D. Written by.
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