Average advertised APRs across the U.S. lenders we track. Advertised rates assume top-tier credit, so treat them as each lender's floor. Methodology.
December 2025: New car loans averaged 6.70% APR across 2 lenders, unchanged from November 2025, and the lowest advertised rate was 6.24% from Truist. Used car loans averaged 6.82% APR across 2 lenders, unchanged from November 2025, and the lowest advertised rate was 6.24% from Truist. Refinance loans averaged 5.91% APR across 2 lenders, unchanged from November 2025, and the lowest advertised rate was 4.09% from MyAutoLoan. Lease buyout loans averaged 6.03% APR across 2 lenders, unchanged from November 2025, and the lowest advertised rate was 4.59% from MyAutoLoan.
| Lender | Avg advertised APR (December 2025) | Lowest seen |
|---|---|---|
| Truist | 6.67% | 6.24% |
| MyAutoLoan | 6.72% | 6.24% |
| Lender | Avg advertised APR (December 2025) | Lowest seen |
|---|---|---|
| Truist | 6.67% | 6.24% |
| MyAutoLoan | 6.97% | 6.49% |
| Lender | Avg advertised APR (December 2025) | Lowest seen |
|---|---|---|
| MyAutoLoan | 4.89% | 4.09% |
| Truist | 6.92% | 6.49% |
| Lender | Avg advertised APR (December 2025) | Lowest seen |
|---|---|---|
| MyAutoLoan | 5.14% | 4.59% |
| Truist | 6.92% | 6.49% |
This data is published under CC BY 4.0: free to use in articles, research, and reports with attribution and a link. Suggested citation:
Source: AutoLoanRate.com Auto Loan Rate Index, December 2025, https://www.autoloanrate.com/rate-index/december-2025
Download every month as CSV, or today's lender rates as JSON. Questions about the data? See how we collect it.
Every figure on this page is an average of advertised APRs - the rates lenders publish for their best-qualified borrowers on the shortest common terms. Your own offer depends on credit profile, term length, vehicle age, and state. Two practical uses:
Full collection details, lender coverage, and revision policy: methodology.