Auto financing the right way

When you're looking for an auto loan, it pays to shop around. LendingTree helps you compare auto loan rates and loan terms from multiple lenders. Compare different types of automobile loans, including new car loans, used car loans, and auto refinancing options, whether you're buying from a dealer, or a private seller. Also make sure when you go to purchase a car you are getting it for the best price by purchasing your car at the best time of the year.

Compare Auto Loan Rates

LendingTree helps you compare auto loan rates from multiple lenders. Compare auto quotes from competing providers. It's fast, easy, and best of all, free.

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Glossary Terms

Dealer Charges
Charges for extra services or products sold by the dealer, including rust proofing, undercoating and extended warranties. <a href='/glossary/what-is-dealer-charges' title='See the full definition of Dealer Charges'>read more</a>
Dealer Holdback
Dealer holdback is an amount, typically two to three percent of the manufacturer’s suggested retail price (MSRP), that is part of the invoiced price... <a href='/glossary/what-is-dealer-holdback' title='See the full definition of Dealer Holdback'>read more</a>
Dealer Incentives
Bonuses offered by manufacturers to dealerships to increase the sales of specific models or to reduce excess inventories. Dealers may elect to pass on... <a href='/glossary/what-is-dealer-incentives' title='See the full definition of Dealer Incentives'>read more</a>
Dealer Invoice
The amount an auto dealership pays the manufacturer for a vehicle it puts on its lot. This amount does not always indicate the amount the dealership... <a href='/glossary/what-is-dealer-invoice' title='See the full definition of Dealer Invoice'>read more</a>
Dealer Sticker Price
Dealer Sticker Price is the price the dealer would like to get for the car, but for most transactions it’s just a starting point for negotiations.... <a href='/glossary/what-is-dealer-sticker-price' title='See the full definition of Dealer Sticker Price'>read more</a>
Invoice Price
The automobile manufacturer’s original charge to the dealer. <a href='/glossary/what-is-invoice-price' title='See the full definition of Invoice Price'>read more</a>
Lease Fee
The lease fee for a vehicle is the monthly lease payment multiplied by the term of the lease. <a href='/glossary/what-is-lease-fee' title='See the full definition of Lease Fee'>read more</a>
Rebate
An incentive paid by a car manufacturer as a way to increase sales of products. <a href='/glossary/what-is-rebate' title='See the full definition of Rebate'>read more</a>
Sticker Price
Sticker price is another term for manufacturer's suggested retail price or list price. <a href='/glossary/what-is-sticker-price' title='See the full definition of Sticker Price'>read more</a>

New and used auto loans

Receive a great fixed-rate auto loan for your new or used car or auto refinance. Before you apply, we want to make sure you understand the basics of car loan rates when it comes to financing.

New & Used Car Loans

With LendingTree, you can get a new or used auto loan with a great rate.

  • Free online loan request

  • Compare rates from multiple lenders

  • Get approved, then shop for a new car

New, poor, or bad credit?

  • Down payment may be higher
  • Refinance when your score improves
  • Timely payments improve credit

Not sure what your credit score is? Get it here for free.

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  • New Car Loan Rates
  • Used Car Loan Rates
36 months rates
as low as
APR 1.85% Interest Rate 1.85% Loan Amount$25,000 813 Credit Score $715/mo $500 Down Payment Monthly Payment$715
48 months rates
as low as
APR 3.99% Interest Rate 3.99% Loan Amount$20,000 664 Credit Score $451/mo $0 Down Payment Monthly Payment$451
60 months rates
as low as
APR 3.19% Interest Rate 3.19% Loan Amount$25,000 695 Credit Score $451/mo $1000 Down Payment Monthly Payment$451

Start your new car loan request

36 months rates
as low as
APR 3.19% Interest Rate 3.19% Loan Amount$20,000 766 Credit Score $583/mo $5000 Down Payment Monthly Payment$583
48 months rates
as low as
APR 3.19% Interest Rate 3.19% Loan Amount$20,000 761 Credit Score $400/mo $0 Down Payment Monthly Payment$400
60 months rates
as low as
APR 3.19% Interest Rate 3.19% Loan Amount$26,000 756 Credit Score $469/mo $4000 Down Payment Monthly Payment$469

Start your used car loan request

Find a car

Are you in the market to buy a new or used car?

LendingTree Autos can help you find and finance your next car. Access auto lenders as well as local dealers to help you purchase your next automobile. LendingTree Autos can help you with all stages of your next vehicle purchase, including:

  • Access to manufacturer data
  • Used car values for trade-in
  • Auto financing

Buying a new or used car can be stressful, but with the right tools, we empower you to make a smart car buying decision.

Find and compare used cars in your area!

Auto loan Calculator

Use this Auto Loan Calculator to see your monthly payments on your loan amount, interest rate, and loan term.

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Additional resources

Your credit rating and past credit issues may affect your ability to get auto loan financing, or the listed interest rates on an auto loan.

If you want more information on all there is about auto loans, read up on topics like rebate vs dealer financing and comparing auto loans.

Frequently Asked Questions