Interest rates are highly dependent on your score. Below is a breakdown of average Annual Percentage Rates (APRs) as of early 2026: Credit Tier Score Range New Car APR Used Car APR 4.66% 7.70% Prime 6.27% 9.98% Nonprime 9.57% 14.49% Subprime 13.17% 19.42% Deep Subprime 16.01% 21.85% (Source: Bankrate & WSJ , April 2026) 🔑 Key Takeaways for Buyers
To secure a favorable car loan, a credit score of is generally considered "good" or "prime". While you can buy a car with a lower score, those in the prime range and above typically qualify for significantly lower interest rates and better terms. 📊 2026 Average Interest Rates by Credit Tier
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Steff Joined: Oct-20-2016 |
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Interest rates are highly dependent on your score. Below is a breakdown of average Annual Percentage Rates (APRs) as of early 2026: Credit Tier Score Range New Car APR Used Car APR 4.66% 7.70% Prime 6.27% 9.98% Nonprime 9.57% 14.49% Subprime 13.17% 19.42% Deep Subprime 16.01% 21.85% (Source: Bankrate & WSJ , April 2026) 🔑 Key Takeaways for Buyers
To secure a favorable car loan, a credit score of is generally considered "good" or "prime". While you can buy a car with a lower score, those in the prime range and above typically qualify for significantly lower interest rates and better terms. 📊 2026 Average Interest Rates by Credit Tier
