State APR pricing · 50 states + D.C.
Average auto loan APRs by state · 50 + D.C.
National lenders quote you off FICO + LTV — but state-level credit-union density, dealer-finance market share, and consumer-finance law shift the effective best APR a buyer sees by 0.5–2 percentage points across state lines. Below are 60-month, 720+ FICO averages in all 50 states + D.C., grouped by Census region.
APR by state
Find your state's average APR.
Auto-loan APRs vary 1.5+ points across states — local credit-union competition, lender density, captive-finance share, and per-state regulatory caps all swing the average. Click your state for the local APR plus lenders that actually quote there.
Avg auto-loan APR (60-mo, 720+ FICO)
Averages from Experian's State of the Auto Finance Market + aggregated credit-union surveys (Q4 2025). Tap any state to compare lender APRs in your local market.
View 50 states + D.C.Click a state · drag to pan · use the controls to zoom
Regional pricing — Census Bureau groups
How your region compares.
Neighboring states tend to share insurance + lender market dynamics. Here's the regional spread vs. the 7.3% national average.
Northeast
South
Midwest
All 51 jurisdictions ranked
Full state ranking.
State APR averages reflect 60-month new-vehicle pricing for 720+ FICO borrowers in Q4 2025 (Experian State of the Auto Finance Market), cross-referenced against NADA + Federal Reserve G.19 consumer-credit aggregates.
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