What is a Good Interest Rate for Your Car Loan?


Do you have questions about the average car loan interest rate or what is a good interest rate on a car? In order to avoid overpaying and to gain a better understanding of the right interest rate per car loan, we at Tulley Mazda made a chart, with your credit score in mind, to help you find out how to get the best interest rate. Whether you want to learn more about average new and used car loans based on credit scores and the Annual Percentage Rate, or APR, or you want to start the financing process today at our finance center, get in touch with Tulley Mazda.

APR on New and Used Car Loans

Credit Score

New Car Loan

Used Car Loan












How Do You Get the Best Interest Rate?

In order to get the best interest rate, the first thing you’ll want to do is plan ahead. Before you can get a good interest rate on a car, check your credit history and note the score. The higher your credit score, the lower interest rate you’ll have. Also, keep in mind that this is something you can negotiate. So, what is a good car loan rate? Based on the chart above, depending on your credit score, this could be between 3.17% and 13.76%. Once you look at the chart and have a good idea of the rate you want, be prepared to negotiate if you’re offered something higher than you expected. And you don’t only want to focus on the payment and ignore the rest of the deal. Pay close attention to the details before agreeing.

What is the Average Interest Rate on a Car Loan?

So, what is the average car loan rate? On a three-year car loan, the average interest rate is around 3% to 4.5%. However, you may be offered differently based on your credit score as well as where you’re applying for the loan. The best way to make sure you’re getting the loan rates you deserve are to shop around and compare your car loans and interest rates.

Apply for Financing at Tulley Mazda

Looking to get a good interest rate for a car loan? No matter if you want to learn more about car financing options or you’re ready to apply for financing to get the process started today, get in touch with the finance department at Tulley Mazda. If you want to browse our Mazda lease deals, Mazda3 lease specials, finance options, our new Mazda SUV inventory, learn if the extended warranty is worth it, if you need gap insurance, or you have any questions about our models such as the Mazda CX-5 gas mileage, what to do after an accident, the difference between OEM vs. aftermarket parts, who makes Mazda, where to find the best restaurants in Hudson, or even how to check car oil, contact Tulley Mazda!

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(603) 888-0550

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(603) 888-0550

Call Now


(603) 888-0550

Call Now

147 Daniel Webster Hwy • Nashua, NH 03060

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Tulley Mazda 42.7246467, -71.4491792.