In short: This open dataset covers 1,297 auto loan rates from 177+ US credit unions across 40 states for 2026-06-01 to 2026-06-30. The average 60-month new-car APR is 5.52% and the average 60-month used-car APR is 6.5%. State 60-month averages range from 4.34% (CT) to 8.57% (AL). The data is free under CC BY 4.0 and available as JSON, CSV, or via the RateAPI auto loan rates API. For a live national reference rate, see the auto loan rate benchmark.
National Rate Overview
The average credit union 60-month auto loan APR is 5.52% for new vehicles and 6.5% for used vehicles in this snapshot. Rates below show the average APR across all credit unions in the dataset, broken down by loan term (24–84 months) and vehicle condition. State averages range from 4.34% (CT) to 8.57% (AL) for 60-month terms.
State Comparison
Compare average auto loan APR across US states. Use the dropdowns to filter by loan term and vehicle condition. States with fewer than 2 data points are excluded.
Data Coverage
Breakdown by vehicle condition and loan term showing the average, minimum, and maximum APR along with the number of rate observations in each bucket.
| Condition | Term | Avg APR | Min | Max | Count |
|---|---|---|---|---|---|
| new | 24mo | 4.64% | 3.00% | 6.00% | 16 |
| new | 36mo | 4.69% | 2.50% | 7.00% | 52 |
| new | 48mo | 5.05% | 3.00% | 11.74% | 69 |
| new | 60mo | 5.52% | 2.99% | 15.50% | 85 |
| new | 72mo | 5.98% | 3.45% | 13.00% | 75 |
| new | 84mo | 6.14% | 4.49% | 12.24% | 73 |
| used | 24mo | 6.06% | 3.35% | 11.00% | 40 |
| used | 36mo | 5.84% | 2.75% | 10.49% | 72 |
| used | 48mo | 6.34% | 2.99% | 13.80% | 114 |
| used | 60mo | 6.50% | 3.49% | 15.75% | 163 |
| used | 72mo | 6.66% | 3.99% | 18.00% | 85 |
| used | 84mo | 7.57% | 5.49% | 18.90% | 63 |
| Unspecified | 24mo | 5.30% | 3.24% | 7.25% | 32 |
| Unspecified | 36mo | 5.22% | 2.99% | 8.99% | 55 |
| Unspecified | 48mo | 5.92% | 3.24% | 17.99% | 69 |
| Unspecified | 60mo | 6.20% | 3.75% | 15.99% | 86 |
| Unspecified | 72mo | 6.46% | 4.25% | 17.99% | 78 |
| Unspecified | 84mo | 7.08% | 3.88% | 17.99% | 70 |
Download the Dataset
Download the full dataset under the CC BY 4.0 license. Use it for research, apps, journalism, or anything else — just provide attribution.
JSON
Full dataset with all fields. Best for programmatic access.
application/jsonCSV
Tabular format. Great for Excel, Google Sheets, pandas.
text/csvSummary JSON
Pre-aggregated by state, term, and condition.
application/json# Quick start with Python
import pandas as pd
import requests
from io import StringIO
url = "https://rateapi.dev/data/auto-loan-rates/auto-loan-rates.csv"
df = pd.read_csv(StringIO(requests.get(url).text))
# Average APR by vehicle condition
print(df.groupby("vehicle_condition")["apr"].mean())Schema
Each record in the JSON file contains the following fields:
credit_union_nameName of the credit union (string)credit_union_stateTwo-letter US state code, e.g. "CA"product_nameOriginal product name from the source websiterateBase interest rate before fees (number, e.g. 4.25)aprAnnual Percentage Rate including fees (number, e.g. 4.375)term_monthsLoan term in months (number, e.g. 60). Filtered to 24, 36, 48, 60, 72, 84.vehicle_conditionVehicle condition: "new", "used", "any", or nullvehicle_typeVehicle category (null in this filtered dataset — car loans only)vehicle_year_minMinimum model year this rate applies to (number or null)vehicle_year_maxMaximum model year this rate applies to (number or null)credit_score_minMinimum credit score for this tier (number or null, e.g. 740)credit_score_maxMaximum credit score for this tier (number or null, e.g. 850)credit_score_tierCredit tier label: "Excellent", "Good", "Fair", "Below Average", "Poor" or nullloan_purposeLoan purpose: "purchase", "refinance", "any", or nullcredit_union_cityCity of the credit union (string or null)source_urlURL of the credit union rate page (string or null)special_typeSpecial financing type (null, "electric", "commercial")scraped_atISO 8601 timestamp of when rate was collectedFrequently Asked Questions
What is the average credit union auto loan rate right now?
In the 2026-06-01 to 2026-06-30 snapshot, the average 60-month new-car APR across 177+ US credit unions is 5.52%, and the average 60-month used-car APR is 6.5%. State 60-month averages range from 4.34% (CT) to 8.57% (AL).
Is the dataset free to download and use?
Yes. It is released under the CC BY 4.0 license, so it is free for research, apps, journalism, or commercial use as long as you attribute RateAPI. Download it as JSON, CSV, or a pre-aggregated summary JSON above.
How often is the data updated?
This open dataset is a monthly snapshot collected from official credit union websites. For rates refreshed daily across 4,300+ credit unions, use the RateAPI auto loan rates API.
How do I get live rates instead of a snapshot?
Use the RateAPI REST API for daily-updated rates with filtering by state, term, credit tier, and vehicle condition. See the auto loan rate benchmark for a live national reference rate, or the methodology for how rates are collected.