Best auto loan rates in May 2025

*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.

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

All loans are subject to credit and underwriting approval. The programs advertised on this landing page are not a commitment or guarantee from its lender partners to lend. Programs, rates and other terms & conditions on this landing page are subject to change without notice. *APR = Annual Percentage Rate. "APR as low as" is based on the lowest interest rate received by a customer (with a credit score above 750) from one of our participating lenders within the last 3 months. APR is based on the lender’s lowest available rate for qualified applicants. Lowest APR is subject to change. Final APR is determined at the time of your application, based on creditworthiness, value of the vehicle, and loan term. Rate quoted is the lowest APR for qualified applicants, and is subject to vehicle value and loan term.

*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

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 5.48% 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 9/11/24 and are subject to change without notice.

All loans are subject to credit and underwriting approval. The programs advertised on this landing page are not a commitment or guarantee from its lender partners to lend. Programs, rates and other terms & conditions on this landing page are subject to change without notice. *APR = Annual Percentage Rate. "APR as low as" is based on the lowest interest rate received by a customer (with a credit score above 750) from one of our participating lenders within the last 3 months. APR is based on the lender’s lowest available rate for qualified applicants. Lowest APR is subject to change. Final APR is determined at the time of your application, based on creditworthiness, value of the vehicle, and loan term. Rate quoted is the lowest APR for qualified applicants, and is subject to vehicle value and loan term.

• 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.

    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

    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.

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.

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