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What is a Good Interest Rate for a Car Loan?

Application form for car loan and key on wooden table, close up view

No one wants to pay more than they should during the financing process, but what is a good interest rate for a car loan? The right research will lead you down the road to success, so you can ensure that you get a competitive deal on your next dream car! Before you apply for financing, take a look at our guide and learn what is a good car loan rate once and for all in the Palm Bay area:

New and Used Car APR

New Car Loan APR

Credit Score

Used Car Loan APR

3.17%

781-850

3.8%
4.03%

661-780

5.48%
6.79%

601-660

10.1%
10.98%

501-600

16.27%
13.76%

300-500

19.32%

What is a Good Car Loan Rate?

The best rates in Sebastian are usually given to applicants who appear trustworthy and reliable to lenders. To put it simply: the higher your credit score, the better your interest rates. Based on the chart, an interest rate could be anywhere between 3.17% and 13.76%! If you have bad credit, you may be on the higher side of that value. But don’t despair! You can always negotiate terms to see if you get a better deal. Plus, your interest rate is just one part of the equation. Pay attention to the details of the deal, like down payment and trade-in value.

What is the Average Interest Rate on a Car Loan?

You’ve seen the highs and lows, but what is the average interest rate on a car loan? The figures vary, but in the Fort Pierce area, between 3% and 4.5% tends to be the average interest rate. Keep in mind that your personal rate will depend on tons of different factors like credit history and car type, so the best way to get a good deal is to do your research and get pre-approved for the loan.

Get Personalized Advice from the Experts

You’ve learned what is a good interest rate for a car loan, but we know that the financing process can be complicated. If you’d like to receive customized advice based on your unique needs, our financial experts are here to help. Contact us at Vatland CDJR in Vero Beach to set up an appointment or ask any questions. While you’re here, you can also explore the Dodge Charger interior color options. We look forward to finding your dream car at a great rate!

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Vatland CDJR

855 South, US-1 Vero Beach, FL

Phone: 772-567-6633

https://www.google.com/maps/place/27%C2%B035'17.1%22N+80%C2%B022'44.0%22W/@27.5880833,-80.3810776,17z/data=!3m1!4b1!4m5!3m4!1s0x0:0x0!8m2!3d27.5880833!4d-80.3788889

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855 South, US-1 Vero Beach, FL

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855 South, US-1 Vero Beach, FL

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855 South, US-1 Vero Beach, FL

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855 South, US-1 Vero Beach, FL

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855 South, US-1 Vero Beach, FL

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855 South, US-1 Vero Beach, FL
27.631355 -80.390741
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Vatland CDJR
Vatland CDJR
855 South, US-1
Vero Beach, FL, 32962 US
772-567-6633
https://www.vatlandcdjr.com/wp-content/themes/DealerInspireDealerTheme/images/logo.png
Vatland CDJR 27.631355, -80.390741.