Auto Loan Payment Calculator
Estimate your monthly payment based on your credit score and loan details
Loan Details
Enter your information to calculate estimated payment
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Typical range: $5,000 - $30,000
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$0 down payment available for qualified buyers
Don't know your score? We can still help!
Average Auto Loan Rates by Credit Score (2025)
Reference rates for 60-month auto loans
| Credit Score Range | Classification | Typical APR | Monthly Payment* |
|---|---|---|---|
| 700+ | Super Prime | 5-8% | $290 |
| 650-700 | Prime | 8-12% | $306 |
| 600-650 | Near Prime | 12-15% | $322 |
| 500-600 | Subprime | 15-18% | $338 |
| 400-500 | Deep Subprime | 18-21% | $354 |
| 300-400 | Very Poor | 21-24% | $370 |
*Based on $15,000 loan amount over 60 months. Actual rates vary by lender, down payment, and vehicle.
Lower Your Payment
- ✓ Increase your down payment
- ✓ Extend your loan term (lower monthly, higher total)
- ✓ Improve your credit score before applying
- ✓ Shop multiple lenders for best rates
- ✓ Consider a co-signer with better credit
Important Notes
- • Rates are estimates based on credit tier
- • Actual APR depends on lender, vehicle, and profile
- • Longer terms = lower monthly but more interest
- • Down payment reduces amount financed
- • All credit types can be approved