Auto Loan Interest Rates

Auto Loan Interest Rates

Rates as of August 11, 2022

 

New Auto Loans

New Auto LoansCredit Score*TermInterest RateAPR**740 & Above0 to 48 Months – 0% Down Payment4.00%4.00%740 & Above49 to 60 Months – 0% Down Payment4.25%4.25%740 & Above61 to 72 Months – 0% Down Payment4.50%4.50%700-7390 to 60 Months – 0% Down Payment5.50%5.50%650-6990 to 60 Months – 20% Down Payment7.50%7.50%649 & Below0 to 48 Months – 20% Down Payment9.50%9.50%

New Auto Loan Payment Examples

New Auto Loans Payment ExamplesCredit Score*Term (months)Amount BorrowedMonthly PaymentTotal Loan & Interest740 & Above48$10,000$225.79$10,837.92740 & Above60$10,000$185.30$11,118.00740 & Above72$10,000$158.74$11,429.28700-73960$10,000$191.01$11,460.60650-69960$10,000$200.38$12,022.80649 & Below48$10,000$251.23$12,059.04

Used 2021, 2020 & 2019 Auto Loans

Used Auto LoansCredit Score*TermInterest RateAPR**740 & Above0 to 48 Months – 0% Down Payment4.25%4.25%740 & Above49 to 60 Months – 0% Down Payment4.75%4.75%700-7390 to 60 Months – 0% Down Payment5.50%5.50%650-6990 to 60 Months – 20% Down Payment7.50%7.50%649 & Below0 to 48 Months – 20% Down Payment9.50%9.50%

Used 2021, 2020 & 2019 Auto Loan Payment Examples

Used Auto LoansCredit Score*Term (months)Amount BorrowedMonthly PaymentTotal Loan & Interest740 & Above48$10,000$226.91$10,891.68740 & Above60$10,000$187.57$11,254.20700-73960$10,000$191.01$11,460.60650-69960$10,000$200.38$12,022.80649 & Below48$10,000$251.23$12,059.04

Used 2018 Auto Loans

Used 2015 Auto LoansCredit Score*TermInterest RateAPR**740 & Above0 to 36 Months – 0% Down Payment4.75%4.75%740 & Above37 to 48 Months – 0% Down Payment5.00%5.00%700-7390 to 48 Months – 0% Down Payment6.50%6.50%650-6990 to 48 Months – 20% Down Payment9.00%9.00%649 & Below0 to 48 Months – 20% Down Payment10.00%10.00%

Used 2018 Auto Loan Payment Examples

Used 2015 Auto LoanCredit Score*Term (months)Amount BorrowedMonthly PaymentTotal Loan & Interest740 & Above36$10,000$298.59$10,749.24740 & Above48$10,000$230.29$11,053.92700-73948$10,000$237.15$11,383.20650-69948$10,000$248.85$11,944.80649 & Below48$10,000$253.63$12,174.24

Used 2017 Auto Loans

Used 2015 Auto LoanCredit Score*TermInterest RateAPR**740 & Above0 to 48 Months – 0% Down Payment5.50%5.50%700-7390 to 48 Months – 0% Down Payment6.50%6.50%650-6990 to 48 Months – 20% Down Payment9.00%9.00%649 & Below0 to 48 Months – 20% Down Payment10.00%10.00%

Used 2017 Auto Loan Payment Examples

Used 2014 Auto LoanCredit Score*Term (months)Amount BorrowedMonthly PaymentTotal Loan & Interest740 & Above48$10,000$232.56$11,162.88700-73948$10,000$237.15$11,383.20650-69948$10,000$248.85$11,944.80649 & Below48$10,000$253.63$12,174.24

Used 2016 Auto Loans

Used 2013 Auto LoanCredit Score*TermInterest RateAPR**740 & Above0 to 48 Months – 0% Down Payment5.50%5.50%700-7390 to 48 Months – 0% Down Payment7.00%7.00%650-6990 to 42 Months – 20% Down Payment9.00%9.00%649 & Below0 to 42 Months – 20% Down Payment11.00%11.00%

Used 2016 Auto Loan Payment Examples

Used 2013 Auto LoanCredit Score*Term(months)Amount BorrowedMonthly PaymentTotal Loan & Interest740 & Above48$10,000$232.56$11,162.88700-73948$10,000$239.46$11,494.08650-69942$10,000$278.45$11,694.90649 & Below42$10,000$287.94$12,093.42

Used 2015-2013 Auto Loans

Used 2012 Auto LoanCredit Score*TermInterest RateAPR**740 & Above0 to 36 Months – 0% Down Payment9.50%9.50%700-7390 to 36 Months – 10% Down Payment10.25%10.25%650-6990 to 36 Months – 20% Down Payment10.50%10.50%649 & Below0 to 36 Months – 20% Down Payment13.00%13.00%

Used 2015-2013 Auto Loan Payment Examples

Used 2012 Auto LoanCredit Score*Term(months)Amount BorrowedMonthly PaymentTotal Loan & Interest740 & Above36$10,000$320.33$11,852.19700-73936$10,000$323.85$11,982.33650-69936$10,000$325.02$12,025.90649 & Below36$10,000$336.94$12,466.76

Used 2012 or Older Auto Loans

Used 2012 Auto LoanCredit Score*TermInterest RateAPR**740 & Above0 to 36 Months – 0% Down Payment9.75%9.75%700-7390 to 36 Months – 10% Down Payment10.50%10.50%650-6990 to 36 Months – 20% Down Payment10.75%10.75%649 & Below0 to 36 Months – 20% Down Payment13.25%13.25%

Used 2012 or Older Auto Loan Payment Examples

Used 2012 Auto LoanCredit Score*Term(months)Amount BorrowedMonthly PaymentTotal Loan & Interest740 & Above36$10,000$321.50$11,895.48700-73936$10,000$325.02$12,025.90650-69936$10,000$326.20$11,743.36649 & Below36$10,000$338.14$12,511.36

  • Interest rates will be discounted 0.25% with Auto Pay from a Capital Bank checking or savings account
  • All loans subject to credit approval
  • Interest rates and programs subject to change without notice 

* Credit scores are based on information collected by credit bureaus and information reported each month by your creditors about the balances you owe and the timing of your payments. A credit score is a compilation of all this information converted into a number that helps a lender to determine the likelihood that you will repay the loan on schedule. The credit score is calculated by the credit bureau, not by the lender. Credit scores are calculated by comparing your credit history with millions of other consumers.

**APR = Annual Percentage Rate

Share