The Zebra
Compare 100+ insurers
Reviewed today
- APR
- Varies
- Min. credit
- —
- Loan amount
- —
- Term
- —
Auto loans
The auto loan you actually want is one APR check away.
Side-by-side rates from the 8 lenders we've audited for new car purchases, used car loans, and refinancing. Soft pull, free, no broker games.
Every dealer's 'special financing' is just a markup on the same money you can get yourself. Our editorial team rate-checks every lender on this page monthly so you walk into the showroom (or skip it entirely) knowing exactly what APR you actually qualify for.
APRs from 4.99%
Top-tier credit on a 36-month term — but every band 600+ has at least one realistic offer.
New, used, or refi
All three tracks live on this page. Pick your purchase type, drop your ZIP, see the matches.
$0 dealer markup
Pre-approved offers cut dealer financing margins — saving the average buyer ~$1,200 over the life of a 60-month loan.
Editor's picks by FICO
Pick your credit tier — we'll pick the lender.
Same lenders, smarter starting point. Our editorial team matched each FICO band to the lender most likely to approve you at the lowest APR.
For FICO 660–739 (Good)
AutoPay
Expected APR: 6.49–11.99%
AutoPay's network model shops your application across 100+ lenders in one soft pull. Reliably finds the best mid-tier rate that LightStream's stricter underwriting won't touch.
Compare AutoPay vs Capital OneTop lenders we've audited.
Real APR ranges, soft-pull pre-qualification, no spam. Click a row to expand our editorial review of each lender.
Rates as of May 24, 2026
Today's rates
| Lender | APR | Min. credit | Loan amount | Term | Rated | |
|---|---|---|---|---|---|---|
The Zebra Compare 100+ insurers | Varies | — | — | — | Reviewed today | |
AutoPay Best refi marketplace | 4.99–17.99% | 560+ | $5K–$100K | 24–96 mo | Reviewed today | |
LightStream Best for excellent credit | 6.94–14.94% | 660+ | $5K–$100K | 24–84 mo | Reviewed today | |
LendingTree Insurance Best multi-quote tool | Varies | — | — | — | Reviewed today | |
Caribou Best for subprime refi | 5.49–17.99% | 580+ | $8K–$80K | 24–84 mo | Reviewed today | |
AutoPay Best marketplace | 5.69–17.99% | 580+ | $5K–$100K | 24–84 mo | Reviewed today | |
PenFed Credit Union Best credit union | 5.24–17.99% | 610+ | $500–$150K | 36–84 mo | Reviewed today | |
LightStream Best for prime refi | 6.49–13.74% | 660+ | $5K–$100K | 24–84 mo | Reviewed today | |
PenFed Credit Union Best credit union refi | 5.24–17.99% | 610+ | $500–$150K | 36–84 mo | Reviewed today | |
Capital One Auto Navigator Best soft-pull pre-qual | 6.99–22.90% | 540+ | $4K–$75K | 36–75 mo | Reviewed today |
AutoPay
Best refi marketplace
Reviewed today
- APR
- 4.99–17.99%
- Min. credit
- 560+
- Loan amount
- $5K–$100K
- Term
- 24–96 mo
LightStream
Best for excellent credit
Reviewed today
- APR
- 6.94–14.94%
- Min. credit
- 660+
- Loan amount
- $5K–$100K
- Term
- 24–84 mo
LendingTree Insurance
Best multi-quote tool
Reviewed today
- APR
- Varies
- Min. credit
- —
- Loan amount
- —
- Term
- —
Caribou
Best for subprime refi
Reviewed today
- APR
- 5.49–17.99%
- Min. credit
- 580+
- Loan amount
- $8K–$80K
- Term
- 24–84 mo
AutoPay
Best marketplace
Reviewed today
- APR
- 5.69–17.99%
- Min. credit
- 580+
- Loan amount
- $5K–$100K
- Term
- 24–84 mo
PenFed Credit Union
Best credit union
Reviewed today
- APR
- 5.24–17.99%
- Min. credit
- 610+
- Loan amount
- $500–$150K
- Term
- 36–84 mo
LightStream
Best for prime refi
Reviewed today
- APR
- 6.49–13.74%
- Min. credit
- 660+
- Loan amount
- $5K–$100K
- Term
- 24–84 mo
PenFed Credit Union
Best credit union refi
Reviewed today
- APR
- 5.24–17.99%
- Min. credit
- 610+
- Loan amount
- $500–$150K
- Term
- 36–84 mo
Capital One Auto Navigator
Best soft-pull pre-qual
Reviewed today
- APR
- 6.99–22.90%
- Min. credit
- 540+
- Loan amount
- $4K–$75K
- Term
- 36–75 mo
APR ranges are sourced from each lender's public site and are updated regularly. Your actual rate depends on credit history, loan amount, vehicle, and state. CarSavr may earn a commission when you apply through our links — it never affects how we rank lenders.
Auto loans by state.
Sales tax, lender licensing, and registration fees vary by state — pick yours for the local breakdown.
AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming
Frequently asked
What credit score do I need for an auto loan?+
Most national lenders quote tier-1 APRs at 720+, prime at 660+, and subprime at 580–659. Below 580, expect specialized used-car lenders or buy-here-pay-here dealers — and a refinance opportunity within 6 months.
Should I get pre-approved before going to the dealer?+
Yes. A pre-approval becomes your negotiating floor. Even if the dealer beats your offer, you've gained leverage. Without it, the dealer controls the entire conversation.
Does pre-qualifying hurt my credit score?+
No — every lender on this page uses a soft credit pull for pre-qualification. Only your final, accepted loan application triggers a hard inquiry.
How long should my auto loan be?+
48–60 months for a new car, 36–48 for used. Anything longer (72/84 months) is a sign you're stretching to afford the payment — consider a less expensive car instead.
Compare APRs without hurting your credit.
All four of our top lenders pre-qualify with a soft credit pull. You'll know your rate in under 60 seconds.