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.
November 2025: New car loans averaged 6.70% APR across 2 lenders, up 0.32 points from October 2025, and the lowest advertised rate was 6.24% from MyAutoLoan. Used car loans averaged 6.82% APR across 2 lenders, up 0.29 points from October 2025, and the lowest advertised rate was 6.24% from Truist. Refinance loans averaged 5.91% APR across 2 lenders, down 0.10 points from October 2025, and the lowest advertised rate was 4.09% from MyAutoLoan. Lease buyout loans averaged 6.03% APR across 2 lenders, down 0.05 points from October 2025, and the lowest advertised rate was 4.59% from MyAutoLoan.
| Lender | Avg advertised APR (November 2025) | Lowest seen |
|---|---|---|
| Truist | 6.67% | 6.24% |
| MyAutoLoan | 6.72% | 6.24% |
| Lender | Avg advertised APR (November 2025) | Lowest seen |
|---|---|---|
| Truist | 6.67% | 6.24% |
| MyAutoLoan | 6.97% | 6.49% |
| Lender | Avg advertised APR (November 2025) | Lowest seen |
|---|---|---|
| MyAutoLoan | 4.89% | 4.09% |
| Truist | 6.92% | 6.49% |
| Lender | Avg advertised APR (November 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, November 2025, https://www.autoloanrate.com/rate-index/november-2025
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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.