Trying to finance a new or used car this year?

APR is the cost of borrowing money, expressed as a yearly interest rate. It includes the interest rate and any lender fees.

• Lower monthly payments
• Less paid over the life of the loan
• More money in your pocket

APR rates in 2025 vary based on your credit score, loan term, and whether the car is new or used.

💡 Pro Tip: A “good” APR is generally under 6% for new cars and under 7% for used cars—but the better your credit, the better your rate.

Several factors determine what APR you’ll qualify for:

• Credit Score: The biggest factor. Higher scores = better rates.
• Loan Term: Shorter terms usually offer lower APRs.
• Down Payment: A bigger down payment may reduce your interest rate.
• New vs. Used: Loans on new cars often come with lower APRs.
• Lender Type: Credit unions often have lower rates than banks or dealerships.

✅ Check Your Credit Score First
Know where you stand before you apply. Use free tools or check with your bank/credit union.

✅ Get Pre-Approved
Pre-approval gives you leverage when negotiating with dealers and lenders.

✅ Compare Offers
Don’t settle for the first offer. Shop rates from banks, credit unions, and online lenders.

✅ Use AutoFinder.com to Shop Smarter
Compare car listings, see estimated loan payments, and connect with dealers who offer competitive financing options.

Q: Is 0% APR still available in 2025?
A: Yes—but it’s typically reserved for buyers with excellent credit and on select new models with manufacturer incentives.

Q: Is it better to finance through a dealer or bank?
A: It depends. Dealers may offer promos, but banks or credit unions often have lower base rates. Compare both.

Q: How does the loan term affect APR?
A: Longer terms may lower your monthly payment, but they often come with higher APRs and more interest over time.

• 🚗 Browse new and used vehicles by price, make, and model
• 💰 Estimate monthly payments based on your credit and APR
• 🏦 Compare financing options from trusted dealers and lenders

👉 Start your search now at AutoFinder.com and get one step closer to the best deal—on the car and the loan!