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.
June 2026: New car loans averaged 5.70% APR across 3 lenders, down 1.32 points from May 2026, and the lowest advertised rate was 3.89% from Navy Federal Credit Union. Used car loans averaged 5.90% APR across 3 lenders, down 1.25 points from May 2026, and the lowest advertised rate was 4.79% from Navy Federal Credit Union. Refinance loans averaged 6.49% APR across 1 lender, up 0.26 points from May 2026, and the lowest advertised rate was 6.49% from LightStream. Lease buyout loans averaged 6.49% APR across 1 lender, up 0.18 points from May 2026, and the lowest advertised rate was 6.49% from LightStream.
| Lender | Avg advertised APR (June 2026) | Lowest seen |
|---|---|---|
| Navy Federal Credit Union | 5.23% | 3.89% |
| Bank of America | 5.39% | 5.39% |
| LightStream | 6.49% | 6.49% |
| Lender | Avg advertised APR (June 2026) | Lowest seen |
|---|---|---|
| Bank of America | 5.59% | 5.59% |
| Navy Federal Credit Union | 5.61% | 4.79% |
| LightStream | 6.49% | 6.49% |
| Lender | Avg advertised APR (June 2026) | Lowest seen |
|---|---|---|
| LightStream | 6.49% | 6.49% |
| Lender | Avg advertised APR (June 2026) | Lowest seen |
|---|---|---|
| LightStream | 6.49% | 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, June 2026, https://www.autoloanrate.com/rate-index/june-2026
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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.