Auto Loan Rate (UHD)

: Secure an offer from a bank or credit union before visiting a dealership to use as leverage in negotiations [19][24].

: Credit unions typically offer lower rates than big banks. For example, 60-month new car loans averaged 5.75% at credit unions compared to 7.49% at banks in mid-2025 [11]. auto loan rate

Beyond your credit score, several variables determine the final cost of your loan: : Secure an offer from a bank or