Average Auto Loan Interest Rate 2025. The average car loan interest rate for drivers with an 800 credit score is 5.25% for new cars and 7.13% for used. That average rises to 15.77% for borrowers with poor credit scores.

The average new car loan interest rate for a buyer with an excellent credit score is 5.25% in 2025. In december 2025, automotive site edmunds.com listed the average car loan interest rate for november 2025 as 6.8% apr for new car loans and 11% apr for used car loans.