Auto loans

Understand the ins and outs of auto loans and how to find the best option for financing your next car.

Take action with these tools

Free Experian app

Manage your finances any time, anywhere on your phone.

Download the free app

Free credit report

Get access to your free Experian credit report and FICO® ScoreΘ.

Experian Boost®

Instantly raise your credit scores for free—just by paying your bills.ø

Car payment calculator

Compare estimated payments with different term lengths and rates.

Best personal loans

Fund home improvement projects, cover expenses and more.

What others are reading

Happy man getting out of his new car

Average Car Loan Interest Rates by Credit Score

If you’re thinking about buying a car, it’s important to consider how your credit score af...

Ben Luthi profile imageBy Ben Luthi
Nov 13, 2026

What Is a Good Credit Score for an Auto Loan?

Ben Luthi profile imageBy Ben Luthi
Nov 13, 2026

What Happens if I Return My Car to the Lender Before I Finish Paying It Off?

Karen Axelton profile imageBy Karen Axelton
Apr 30, 2025

What to Do if You Can’t Afford Your Car Payment

Ben Luthi profile imageBy Ben Luthi
Sep 27, 2024

How to Qualify for a 0% APR Car Loan

Jennifer Brozic profile imageBy Jennifer Brozic
Oct 25, 2024

Does Paying Off a Car Loan Help or Hurt My Credit?

Karen Axelton profile imageBy Karen Axelton
Mar 24, 2025

Explore more topics

The latest from our experts

Consumers Save an Average of $83 a Month With an Auto Loan Refinance

Consumers who did an auto loan refinance lowered their monthly payment by an average of $8...

Ben Luthi profile imageBy Ben Luthi
Nov 14, 2026

The Latest Used Car Loan Interest Rates for 2026

Shopping around for the best rate, just like you shop around for your car, will help you s...

Ben Luthi profile imageBy Ben Luthi
Nov 13, 2026

Average Car Payment in 2026

Average monthly car payments have been creeping up for years, but there are ways to reduce...

Jennifer Brozic profile imageBy Jennifer Brozic
Nov 13, 2026

Auto Loan Rates and Financing for 2026

Here are the latest trends for auto loans, including interest rates, lenders, financing an...

Ben Luthi profile imageBy Ben Luthi
Nov 13, 2026

What Credit Score Do I Need for a Car Lease?

To lease a car, you generally need good credit or better, which translates to a FICO Score...

Ben Luthi profile imageBy Ben Luthi
Nov 12, 2026

Does Refinancing a Car Hurt Your Credit?

Refinancing a car loan can temporarily hurt your credit score slightly, but on-time paymen...

Ben Luthi profile imageBy Ben Luthi
Nov 10, 2026

How to Lower Your Car Payment

Several smart strategies can shrink your monthly auto payment—some obvious, others easy to...

John Egan profile imageBy John Egan
Oct 28, 2026

The Do’s and Don’ts of Leasing a Car

When leasing a car, compare multiple offers and negotiate your lease agreement. Don't slac...

Kim Porter profile imageBy Kim Porter
Oct 22, 2026

How Much Does It Cost to Lease a Car?

The cost to lease a car is typically lower than the cost to purchase one in the short term...

Tim Maxwell profile imageBy Tim Maxwell
Oct 20, 2026

Pros and Cons of a Cosigner on a Car Loan

Buying a car? Adding a cosigner to the loan may help you secure a better interest rate, bu...

Kim Porter profile imageBy Kim Porter
Sep 25, 2026

7 Ways to Pay Less Interest on a Car Loan

Lower interest rates can shrink your monthly payment and total costs. Discover how to redu...

Tim Maxwell profile imageBy Tim Maxwell
Sep 24, 2026

Should You Make Extra Principal Payments on a Car Loan?

Making extra principal payments on a car loan may be a good idea if you can easily afford ...

Karen Axelton profile imageBy Karen Axelton
Sep 22, 2026

Experian is a globally recognized financial leader, empowering millions to take control of their finances. With innovative tools and expert guidance, we’re here to help you manage your credit, protect your identity, and save on loans, credit cards, and more. Our goal is simple: to help bring Financial Power to All™.

Support

Education & advice

Credit resources

Experian app.

Download the free Experian appCarry trusted financial tools with you

Download from the Apple App Store.Get it on Google Play.
Experian's Diversity logo.

Experian’s Inclusion and BelongingLearn more how Experian is committed

Data privacy logo.

Data privacyYour privacy choices