Average Auto Loan Interest Rate 2025 Feestdagen. The fico credit score range is from 300 to 850, and auto loan rates are slightly higher if you purchase a new car versus a used car. According to experian’s state of the automotive finance market report, the average auto loan interest rate for new cars in 2025’s first quarter was 6.73 percent, and 11.91.

That average rises to 15.77% for borrowers with poor credit scores. Deciding on an auto loan is a major decision that will impact your finances for years to come.