Criteria used in Bankrate.com surveys

36 month auto refinance

A $10,000 loan with a term of 36-months provided to a consumer with no other relationship to the lender, who has average income and a FICO score of 700 or higher for the purchase a used car. The downpayment is 0%.

36 month new car loan

A $22,000 loan with a term of 36-months provided to a consumer with no other relationship to the lender, who has average income and a FICO score of 700 or higher for the purchase a new car. The downpayment is 10%.

36 month used car loan

A $10,000 loan with a term of 36-months provided to a consumer with no other relationship to the lender, who has average income and a FICO score of 700 or higher for the purchase a used car. The downpayment is 20% based on the NADA published value on a 3-year old vehicle based on the current model year.

48 month auto refinance

$10,000 loan with a term of 48-months provided to a consumer with no other relationship to the lender, who has average income and a FICO score of 700 or higher for the purchase a used car. The downpayment is 0%.

48 month new car loan

A $22,000 loan with a term of 48-months provided to a consumer with no other relationship to the lender, who has average income and a FICO score of 700 or higher for the purchase a new car. The downpayment is 10%.

48 month used car loan

A $10,000 loan with a term of 48-months provided to a consumer with no other relationship to the lender, who has average income and a FICO score of 700 or higher for the purchase a used car. The downpayment is 20% based on the NADA published value on a 3-year old vehicle based on the current model year.

60 month auto refinance

$10,000 loan with a term of 60-months provided to a consumer with no other relationship to the lender, who has average income and a FICO score of 700 or higher for the purchase a used car. The downpayment is 0%.

60 month new car loan

A $22,000 loan with a term of 60-months provided to a consumer with no other relationship to the lender, who has average income and a FICO score of 700 or higher for the purchase a new car. The downpayment is 10%.

60 month used car loan

A $10,000 loan with a term of 60-months provided to a consumer with no other relationship to the lender, who has average income and a FICO score of 700 or higher for the purchase a used car. The downpayment is 20% based on the NADA published value on a 3-year old vehicle based on the current model year.

72 month new car loan

A $22,000 loan with a term of 72-months provided to a consumer with no other relationship to the lender, who has average income and a FICO score of 700 or higher for the purchase a new car. The downpayment is 10%.