Car loan rate estimator by credit score
Pick your credit score range to see the published average APR for your tier and the monthly payment it produces at $10,000, $15,000, and $20,000 over 48, 60, and 72 months. In Q4 2025 the used-vehicle averages ran from 6.82% at super prime to 21.58% at deep subprime, per Experian.
Tier average: 18.86% APR — the Experian Q4 2025 used-vehicle average for subprime (501–600).
| Amount financed | 48 months | 60 months | 72 months |
|---|---|---|---|
| $10,000 | $298/mo | $259/mo | $233/mo |
| $15,000 | $447/mo | $388/mo | $349/mo |
| $20,000 | $597/mo | $517/mo | $466/mo |
This is the published average for the tier, not a rate you have been offered — not a quote, not an offer of credit, and not a credit decision. Your own APR depends on the lender, the vehicle, the term, and your documentation, and it can land well above or below the average. Payments shown are principal and interest only.
What the tier average is — and is not
The figure this tool shows is the average APR that borrowers in your score range actually paid, as published by Experian for the period labeled above the table. It is a realistic anchor for budgeting and a useful test of any quote you are handed: a rate far above your tier average deserves an explanation.
It is not a rate you have been offered. Lenders price each deal on the score, the vehicle’s age and mileage, the loan-to-value ratio, the term, and your income and documentation — which is why two people with the same score can sign at very different rates.
Turning the rate into a decision
The payment table above is principal and interest only. To see what a specific deal costs in total — and how much the term itself adds — put your numbers into the payment calculator, and check what a lender is likely to approve with the affordability calculator.