Use Investopedia’s free auto loan calculator to estimate your monthly car payment, total interest paid, and overall cost to plan your loan and save money.

You’re more likely to find rates below 5% when you have a higher credit score ...

Will Kenton is an expert on the economy and investing laws and regulations. He previously held senior editorial roles at Investopedia and Kapitall Wire and holds a MA in Economics from The New School ...

Auto refinance rates start below 5% for borrowers with excellent credit, but others might also find competitive rates ...

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According to credit reporting agency Experian, the average auto loan interest rate in the fourth quarter of 2025 was 6.37% ...