
A "good" car loan rate depends on your credit score, with a score of 781 or above receiving rates around 5.27% for new cars and 7.15% for used cars as of early October 2025. The spectrum of good rates extends to around 6.78% for new and 9.39% for used vehicles for those with a prime credit score (661-780), with those in lower tiers facing significantly higher rates, making it imperative to shop around and compare offers from various lenders.


