Average Car Loan Interest Rates by Credit Score in July 2026

A higher credit score often leads to better-than-average rates.

Best auto refinance rates and loans of July 2026

The average auto refinance rate is 8.05%, but well-qualified buyers might be able to refinance at rates starting below 5% ...
InsuranceNewsNet

Report: Many Americans paying up to 45% of annual income on auto loans

Americans are carrying nearly $1.7 trillion in auto loan debt, more than $13,800 per household. Experts say that isn't good.

5 best credit unions for car loans in July 2026

Credit unions often offer lower interest rates on car loans and tend to be more flexible with borrowers who have poor credit.

‘I cried when I got approved’: More than 100K car owners refinanced their loans in Q1, cutting rates by 2.24% and saving an average of $81 a month

In the first quarter of 2026, roughly 111,000 car owners opted to refinance (4) , with the average monthly savings working ...

Buyers Are Borrowing More—And For Longer Terms—To Keep Pace With Rising New-Car Prices

To paraphrase the classic folk song, “Sixteen Tons,” many motorists are finding themselves “another day older and deeper in ...
Wall Street Journal

What’s the Average Car Loan Length?

WSJ Buy Side is The Wall Street Journal’s research and commerce team. Our commerce content is distinct from our newsroom coverage. We earn a commission from some links in our articles. Learn more. The ...