Auto Approve auto loan rates

Auto refinance and lease purchase service that matches borrowers with offers from more than 50 partner lenders.

From APR

5.49%

Best advertised rate

This is the lowest APR Auto Approve advertises, reserved for top-tier credit. Your actual rate depends on your credit score, loan term, and the amount you finance.

Today's Auto Approve rates by loan type

Rates shown are the best advertised APRs as of October 22, 2026. Your actual rate depends on credit, term, and loan amount.

Loan type	Term	APR (from)
Refinance	72 mo	5.49%	Compare →
Lease buyout	60 mo	5.49%	Compare →

Pros

Soft-pull rate check
Handles lease buyouts as well as refinancing
No fee to get a quote

Cons

Admin, doc, DMV and title fees vary by state and lender
Advertised rate needs a 2019 or newer vehicle and a 730+ FICO score
Final lender varies

How we rate lenders

Our 4.0/5 rating for Auto Approve is computed from the same published data shown on this page. It is not based on opinion or on partner relationships. The formula weighs four things:

Rates (40%): the lender's best advertised APR, using our live-tracked rate when available.
Accessibility (25%): the minimum credit score the lender advertises to.
Flexibility (20%): the range of loan terms and the maximum loan amount.
Product range (15%): how many loan types they offer (new, used, refinance, lease buyout).

Ratings update automatically when a lender's published terms change. Referral fees some lenders pay us have no input into this score.

Compare Auto Approve against the rest.

One side-by-side rate table for every major U.S. auto lender. Find your best option in 60 seconds.

See all lenders →