Auto Loan Rates

Important Note: published interest rates can vary due to factors that consider your credit rating, income ratios, auto loan qualifications and location. To get the best rate you must negotiate your rate down using the following steps:

1. First step, check your credit rating:
   the higher your credit score (FICO 720 and up), the stronger your position to negotiate best rate.
   
   link to our affiliated site for checking your credit report
   
   If your credit rating is below FICO 700, you might consider steps to strengthen your credit score: more information available
   
   
   
2. Analyze your housing and debt-to-income ratios:
   again, if your ratios are within lending parameters (28/36), you are in a strong position to negotiate rate and terms — click here to calculate ratios
   
   you might consider paying off your debts, closing credit card and retail charge accounts that are not in use, and consolidate big ticket items into a low, repayment plan: see our maintaining good credit
   
   
   
3. Understand your financing options:
   knowledge is power. Understand the options you have in order to understand and negotiate terms that may be thrown at you.
   
   Start with this page if you haven't done so already — it will point out options that you have
   
   
4. When ready, submit your application:
   allow our network of financial advisors from your area/occupation compete for your business
   
   

   Select Your Location: Alabama Alaska Arizona Arkansas North California South California Colorado Connecticut DC Washington Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

   
   
   
5. Compare programs:
   compare these lender rates and terms with other published rates referenced on this page
   
   
   
6. Start negotiations:
   you are now in the position to negotiate with your lender of choice to match or beat any rate that you feel you deserve
   
   Notify the lender that you have shopped programs and if they want your business, they must meet other competitive offers
   

Please note: rate information supplied by external links do not reflect your actual rate. Your actual rate is a reflection of your credit score, loan amount, down payment position, and competing factors as you negotiate best rates and terms among lenders.

Note that auto loan rates change daily. Rates will also differ by region and locality.

We do not list rates on this site since we are not a lender and cannot determine rate based on the factors above. Rather we list references to rate information where you can view sample rates from various regions and lenders.