How your credit score affects what you pay
When you borrow money, you pay extra for it. That extra is called interest. Lenders often charge lower rates to people with higher credit scores, so the same loan can cost very different amounts.
A credit score is a measure of borrowing history. It says nothing about your worth.
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What this loan could cost
| Credit score | Average rate (APR) | Monthly payment | Total interest |
|---|---|---|---|
| 781–850 | — | — | — |
| 661–780 | — | — | — |
| 601–660 | — | — | — |
| 501–600 | — | — | — |
| 300–500 | — | — | — |
| Your rate | — | — | — |
About these numbers
These are national averages for Q2 2026, using VantageScore 4.0 scores. They are not loan offers, and your rate may be higher or lower.
Lenders also look at your income, your down payment, the car, and the loan length. There are several kinds of credit score, so yours may vary depending on which one you see.
Source: Experian, State of the Automotive Finance Market, Q2 2026. Last checked November 2, 2026.