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The average car loan interest rate is 6.35% for new cars and 11.62% for used cars, according to Experian's State of the Automotive Finance Market report from the fourth quarter (Q4) of 2024.

The average car loan interest rate is 6.35% for new cars and 11.62% for used cars, according to Experian's State of the Automotive Finance Market report from the fourth quarter (Q4) of 2024.

Current Car Loan Interest Rates. The overall average car loan interest rate is 6.84% for new cars and 12.01% for used cars. However, there are several factors that can influence what APRs you get.