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Car loan rates by credit score If youâre a super prime borrower with a credit score of 781 and above, you can expect to get the lowest rates. In the third quarter, super prime borrowers received a new car loan rate of 2.6 percent on average. But if youâre a deep subprime borrower with a credit score of 500 and below, you can expect to pay around five times more for a new car loan. Deep subprime borrowers received a new car loan rate of 13.53 percent on average.
For someone with average credit and a score of 660, you can expect to pay 9.5% on a used car loan. 21.2% and above is what you can expect to pay with poor credit, a score of 589 and lower. A good online loan calculator using your credit score can be found here. It only takes a minute.