National Rate Overview
Average auto loan APR across all credit unions in the dataset, broken down by loan term (24–84 months) and vehicle condition. State averages range from 3.58% (WV) to 8.08% (NE) 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.
Rates by Credit Score
Many credit unions price their auto loans by credit score tier. This chart shows the average APR for each tier, extracted from product name data across 45 rate records that include credit score information.
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 | 4.96% | 2.25% | 10.00% | 28 |
| new | 36mo | 4.93% | 1.99% | 14.75% | 76 |
| new | 48mo | 5.43% | 3.29% | 14.99% | 101 |
| new | 60mo | 5.73% | 2.99% | 18.49% | 146 |
| new | 72mo | 5.82% | 3.74% | 10.99% | 132 |
| new | 84mo | 6.49% | 2.00% | 11.50% | 132 |
| used | 24mo | 5.99% | 3.50% | 9.49% | 35 |
| used | 36mo | 6.04% | 2.95% | 13.75% | 122 |
| used | 48mo | 6.30% | 2.99% | 13.75% | 143 |
| used | 60mo | 6.34% | 3.49% | 18.49% | 228 |
| used | 72mo | 6.48% | 3.99% | 12.50% | 159 |
| used | 84mo | 7.51% | 4.75% | 18.90% | 96 |
| Unspecified | 24mo | 5.26% | 3.24% | 10.50% | 35 |
| Unspecified | 36mo | 4.92% | 3.00% | 11.00% | 136 |
| Unspecified | 48mo | 5.40% | 2.95% | 11.50% | 135 |
| Unspecified | 60mo | 5.28% | 2.00% | 12.00% | 253 |
| Unspecified | 72mo | 5.94% | 4.24% | 12.50% | 180 |
| Unspecified | 84mo | 6.43% | 3.88% | 9.25% | 184 |
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 collected