Best auto loan rates in July 2026

APR is the Annual Percentage Rate. Your actual APR may be different. Your APR is based on multiple factors including your credit profile and the loan to value of the vehicle. APR ranges from 4.64% to 28.55% and is determined at the time of application. Lowest APR is available for a 36 month term, to borrowers with excellent credit. Conditions apply. Advertised rates and fees are valid as of 10/7/25 and are subject to change without notice.

See partner disclosures: https://www.myautoloan.com/disclosure-section.html

See partner disclosures: https://www.myautoloan.com/disclosure-section.html

*When comparing identical loans offers at the same term length, principal balance, and interest rate, a loan without a fee will have a lower total payback compared to a loan where a fee is assessed. Gravity Lending does not assess a fee to the borrower for any of our products or services. When comparing 2 loans with the same buy rate, principal balance, and term length, a loan with a marked up rate will cost the borrower more. Gravity Lending does not mark up rates offered to consumers from our lender partners. Gravity Lending processes loans on behalf of the lenders for the benefit of the customer. **Monthly and Total Savings: Average monthly payment and total interest savings shown were calculated from all funded loans in 2022. Payment is a calculation of the approved interest rate, selected term, and amount financed. Your actual savings may differ, more or less, depending on a combination of the rate approved, the term selected, and the total amount financed. *** Gravity Lending has the highest average satisfaction scores, at a 4.97 average review score, across the following platforms: Better Business Bureau, Google, TrustPilot, Lending Tree, Consumer Affairs, and Wallethub. You are not required, encouraged, guaranteed the option to skip a payment. Generally, auto loans have a grace period of 30-45 days to contract a first payment. Many lenders in the Gravity Lending network offer up to 90 days from the contract date before a first payment is required.

    Truist Bank is an Equal Housing Lender. © 2025 Truist Financial Corporation. Truist, LightStream, and the LightStream logo are service marks of Truist Financial Corporation. All other trademarks are the property of their respective owners. Lending services provided by Truist Bank.

*APR and Fees Disclosure: Auto Approve works with lenders to find you the best Annual Percentage Rate (APR), which is based on factors like your credit history, vehicle and desired payment terms. Fees to complete your loan refinance vary by state and lender; they generally include admin fees, doc fees, DMV and title. Advertised 5.29% APR based on: 2019 model year or newer vehicle, 730 minimum FICO credit score, and loan term up to 72 months. All loans subject to credit and lender approval.

1. See Your Savings. Working with a national network of lenders, we saved our average customer over $1,118 last year. 2. Shop Rates. Customize the loan that is right for you, and lock in your new rate and payment that is right for you on your terms. 3. Verify & sign on-line. In our work we use the most modern and convenient solutions.

See partner disclosures: https://www.myautoloan.com/disclosure-section.html

    Truist Bank is an Equal Housing Lender. © 2025 Truist Financial Corporation. Truist, LightStream, and the LightStream logo are service marks of Truist Financial Corporation. All other trademarks are the property of their respective owners. Lending services provided by Truist Bank.

    Truist Bank is an Equal Housing Lender. © 2025 Truist Financial Corporation. Truist, LightStream, and the LightStream logo are service marks of Truist Financial Corporation. All other trademarks are the property of their respective owners. Lending services provided by Truist Bank.

• Lower your monthly payment- $150 Average Monthly Savings*
• Reduce your interest rate
• Minimize risk with Guaranteed Asset Protection
• Protect your vehicle with an Extended Service Contract

A representative example of payment terms for an Auto Refinancing Loan is as follows: a borrower receives a loan of $23,107 for a term of 59 months with an APR of 8.43%. In this example, the borrower will make 59 monthly payments of $478.91.Loan amounts range from $4,000 to $55,000, and loan term lengths range from 24 months to 84 months. Some amounts, rates, and term lengths may be unavailable in certain states. For Auto Refinancing Loans, APR ranges from 3.99% to 24.99%. APRs are determined at the time of application. Lowest APR is available to borrowers with excellent credit. Advertised rates and fees are valid as of January 6, 2023 and are subject to change without notice.

RateGenius is a technology company which has created a proprietary, web-based platform that has assisted hundreds of thousands of consumers nationwide in refinancing auto loans to more favorable terms. By utilizing its network of more than 150 lenders, RateGenius has successfully facilitated more than 400,000 loans worth more than $9 billion. The company’s proprietary LOS (loan origination system), educational content, and customer-experience-focused business approach have been instrumental in its success. RateGenius’s online application is quick, simple, and available from the comfort of your home at apply.rategenius.com.

At Tresl, we have helped over 36,000 customer finance their auto loans through our network of banks & credit unions.

We strive to make your experience surprisingly simple. Here’s how:

• Our online pre-qualification experience shows you rates you may pre-qualify for in minutes without impacting your credit or requiring your SSN
• We manage the entire process from start to finish—from the application to final documentation
• A Tresl Finance Advisor provides personalized assistance so you can achieve your unique goals
• We offer service protection products that can protect your car and wallet from the unexpected

• Apply for a Carputty Flexline and have access up to $250k of financing available for any eligible vehicle.
• Carputty currently serves customers in AK, AR, AZ, CO, CT, DC, FL, GA, HI, IA, ID, IL, KS, KY, MA, MD, ME, MI, MN, MO, MT, NC, ND, NE, NH, NJ, NM, NY, OH, OK, OR, PA, SC, SD, TN, TX, VA, WI, WV, and WY. 
• Same rates available on a new or used vehicle of 2016 model year or newer.

• Apply for a Carputty Flexline and have access up to $250k of financing available for any eligible vehicle.
• Carputty currently serves customers in AK, AR, AZ, CO, CT, DC, FL, GA, HI, IA, ID, IL, KS, KY, MA, MD, ME, MI, MN, MO, MT, NC, ND, NE, NH, NJ, NM, NY, OH, OK, OR, PA, SC, SD, TN, TX, VA, WI, WV, and WY. 
• Same rates available on a new or used vehicle of 2016 model year or newer.