Auto Refinance Insights

RATE AVERAGE
as of 08:55 PM CST 10/23
3.99%
United States

Average Auto Refinance Rates

Auto refinance rates can vary significantly from one state to another. Select a state to see the latest auto refinance rate average in that particular state.

Average Rates for Auto Refinance ?

Average Auto Refinance Rates (APR*)

3.00 – 3.50%

3.51 – 4.00%

4.01 – 4.50%

4.51 – 5.00

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* Annual Percentage Rate (APR) estimates represent an average of available rates among lenders in RateGenius’ lender network across various geographic regions. The estimates assume a FICO score of 680 or higher, a loan to retail value ratio (LTV) of no more than 125% and a debt to income ratio (DTI) of no more than 50%. In addition to an individual’s LTV and DTI, the actual APR you may receive is dependent upon many factors evaluated at the time of application, which may include, among other factors, credit score, loan amount, loan term, vehicle information, credit usage and history. All loans are subject to credit review and approval. Estimated APR’s may not be available in the geographical area of your residence. While efforts have been made to maintain accurate information, the estimated APR or other terms presented do not bind any lender. Lenders generally have a range of available APRs (for example, a lender’s range might be 2% to 24%) and only borrowers with excellent credit will qualify for the lowest rate available.