Acura Financing: What To Know in 2025
If you’re looking for luxury and reliability, an Acura could fit the bill. But as fun as it is to shop for a new car, you also need to think about how you’ll pay for it.
Acura financing rates vary based on your credit history, the model you choose and, in some cases, your ZIP code. To get the best deal, you need to review your loan options. And if you already have a few offers in hand, we can help you compare your quotes to average Acura car payments.
How do your Acura payments compare to the average?
Use our auto loan calculator to determine how much car you can afford.
We analyzed data from trusted sources like Edmunds and Experian to estimate average Acura monthly payments based on credit score.
Here’s how to use our study to help you shop for a good deal on an Acura loan.
1. Check your credit. You’ll need to know your credit score to use our study. Don’t know your score? Check your credit for free with LendingTree Spring.
2. Compare monthly payments. Find your credit score and Acura model in the tables below and compare your quotes with our estimates. If you don’t see your preferred model, choose the one with the closest manufacturer’s suggested retail price (MSRP).
Car buyers with better credit tend to choose shorter terms. They’ll have higher monthly payments, but pay less interest over time.
Learn more about how we calculated average monthly Acura payments.
Estimated average monthly payments for new Acuras
| Model | Starting MSRP | Monthly payment (501-600 credit score) | Monthly payment (601-660 credit score) | Monthly payment (661-780 credit score) | Monthly payment (781-850 credit score) |
|---|---|---|---|---|---|
| 2026 Acura MDX | $51,800 | $911.83 | $822.65 | $775.68 | $811.14 |
| 2026 Acura Integra | $33,000 | $537.38 | $484.82 | $457.14 | $478.04 |
| 2026 Acura TLX | $45,400 | $784.36 | $707.65 | $667.24 | $697.75 |
| 2026 Acura RDX | $44,700 | $770.42 | $695.07 | $655.38 | $685.34 |
| 2026 Acura ADX | $35,000 | $577.22 | $520.76 | $491.02 | $513.48 |
Estimated average monthly payments for used Acuras
| Model | Fair purchase price | Monthly payment (501-600 credit score) | Monthly payment (601-660 credit score) | Monthly payment (661-780 credit score) | Monthly payment (781-850 credit score) |
|---|---|---|---|---|---|
| 2020 Acura ILX | $17,747 | $337.06 | $294.11 | $261.92 | $252.97 |
| 2020 Acura MDX | $20,469 | $403.68 | $352.25 | $313.69 | $302.98 |
| 2020 Acura RDX | $27,317 | $571.29 | $498.50 | $443.94 | $428.77 |
| 2020 Acura RLX | $26,523 | $551.86 | $481.54 | $428.84 | $414.19 |
| 2020 Acura TLX | $18,157 | $347.09 | $302.87 | $269.72 | $260.50 |
Acura finance options
Now that you know how your Acura car payments stack up, it’s time to explore financing options. Choosing the right type of financing is important — unless you refinance, you could be stuck with your lender for years. Below you’ll find some solid options that might help you get the auto loan with the best terms.
Acura Financial Services
The model you’re buying or leasing is on sale through the manufacturer.
Major car manufacturers offer their own financing, and Acura is no exception. However, don’t be alarmed when Acura directs you to Honda Financial Services’ website (americanhondafinance.com) to apply. Honda owns Acura, but Acura Financial Services (AFS) (acura.americanhondafinance.com) is Acura’s specific financing brand.
Acura finance rates are specific to ZIP code and dealership. The easiest (and most accurate) way to see what your annual percentage rate (APR) could be is to get a preapproved car loan on Acura’s website. You could also locate an Acura dealer and stop in for a chat.
Aside from competitive Acura financing deals, financing through AFS could give you access to:
- Special APR offers: Throughout the year, Acura puts certain models and model years on sale through special APR offers. This is where you might find a 0% APR deal. Offers vary by state, the amount of your down payment and your credit score.
- Special financing and lease offers: Acura also sometimes offers special financing and lease deals by reducing monthly payments on specific models, giving cash rebates or offering lowered APRs. Note that Acura leasing typically requires a minimum down payment, and only well-qualified buyers are eligible.
- Rebates: Recent and upcoming college grads can earn a rebate on a finance or lease. Acura also offers rebates on new purchases for eligible active-duty military, veterans, military spouses and Gold Star families.
- Acura Loyalty Advantage: Acura extends special benefits to current lessees who buy or lease another Acura. One of these benefits could be an Excessive Wear-and-Use or Damage waiver. Acura may also waive your lease turn-in fee or grant you additional miles on your next lease.
- Warranties and maintenance programs: Your Acura could come with several warranties — some complementary and some for an additional cost. Two standard warranties include the new vehicle limited warranty and the powertrain limited warranty. The new vehicle limited warranty lasts for four years or 50,000 miles (whichever comes first). If any part of your Acura is defective under normal use, this warranty could kick in (limitations apply). The powertrain limited warranty may cover your engine, transmission and drive systems for six years or 70,000 miles.
- Certified pre-owned vehicles: Acura’s certified pre-owned vehicles include model years 2020 to 2025. They must also have fewer than 80,000 miles and pass an 182-point inspection. Certified pre-owned vehicles from Acura have a limited powertrain warranty that lasts for seven years or 100,000 miles. Non-powertrain coverage lasts for two years or 100,000 miles. You’ll also get complimentary roadside assistance for two years or 100,000 miles. Service perks may include a free tire rotation, free first maintenance service or a complimentary oil change.
It should be noted that you must be a “well-qualified buyer” to take advantage of the best Acura financing deals. However, Acura doesn’t disclose what credit score is needed to buy a car. For context, many major car manufacturers require a score of at least 600 to qualify. But with a score that low, you may not qualify for a special APR or lease offer.
Bank and credit union auto loans
The model you’re buying or leasing is on sale through the manufacturer.
Banks and credit unions can be great for auto loans. And although bank loans can come with higher rates than manufacturer loans, you could get extra discounts or perks if you’re borrowing from your current institution.
Between banks and credit unions, credit union auto loans usually have some of the lowest rates — but you’ll need to be a member to get a loan. Some credit unions (like PenFed Credit Union) have open membership; others (like Navy Federal Credit Union (NFCU)) are only available to a select group.
Every bank and credit union sets its own minimum credit requirements. However, credit unions are not-for-profit and member-owned institutions. Many have a goal to make credit more accessible to members with lower scores. They also have a legal restriction to charge APRs no higher than 15%, though the National Credit Union Administration temporarily raised that limit to 18% through Mar. 10, 2026.
Regardless of where you bank, a long-standing, positive relationship will generally work to your advantage. However, it’s your ability to repay your loan that will determine your interest rate.
Online auto loans
You want to compare multiple offers or have fair to bad credit.
Online auto loans could be perfect if convenience is your priority. You can leverage the power of the internet to comparison-shop among different lenders, making it easy to find the lowest rate. Applying from the convenience of your own home also allows you to avoid high-pressure sales tactics that you might face at a dealership.
And when it comes to eligibility, many online car loan lenders work with people with all sorts of credit histories. If you have bad credit, for instance, an online lender like Carvana may likely be a better option than in-house financing.
Some online auto loans have a reputation for having high rates. If you have bad credit, this can be true. But rates can be surprisingly low if you have strong credit and shop around. Just remember to make all your applications within a period of 14 to 45 days, depending on the score model. That way, the credit reporting agencies will only count them as one hard credit pull.
In-house financing
You have bad or no credit and can’t qualify for an auto loan from a more traditional lender.
As a last resort, you could turn to in-house financing. Also called buy here, pay here, in-house financing means your dealership itself is providing your loan. Although in-house financing may be appealing if you have bad credit, you should explore other options first. In-house loans often carry much higher APRs than other types of financing.
In addition, in-house financing might not be an option if you have your heart set on a newer Acura. Cars available at buy here, pay here lots tend to be older than the model years sold at traditional dealerships.
How we calculated average monthly Acura payments
To calculate average monthly Acura payments, we found estimated starting MSRPs and the fair purchase price for some of Acura’s most popular models.
Then, we subtracted an average down payment from each. According to Edmunds, the average down payment on a new vehicle was $6,020 in Q3 2025. For used vehicles, it was $3,976. The resulting figure represents the total amount our hypothetical borrowers financed.
From there, we used our auto loan calculator to figure out average monthly Acura payments, using average APRs and loan terms as reported by Experian’s State of the Automotive Finance Market Q2 2025. You’ll find this data in the tables below (please note that loan terms were rounded to the nearest whole number during our calculations).
Keep in mind that your specific car payment depends on personal factors like your credit score, ZIP code and the type of car loan you’re getting. We don’t include dealer fees, which can add up to 10% of the car’s price if you buy at a dealership.
| Subprime (501-600) | Near prime (601-660) | Prime (661-780) | Superprime (781-850) | |
|---|---|---|---|---|
| Average APR | 13.38% | 9.97% | 6.78% | 5.27% |
| Average loan term | 74.08 months | 75.03 months | 72.10 months | 64.57 months |
| Subprime (501-600) | Near prime (601-660) | Prime (661-780) | Superprime (781-850) | |
|---|---|---|---|---|
| Average APR | 18.90% | 13.95% | 9.39% | 7.15% |
| Average loan term | 66.35 months | 68.11 months | 68.43 months | 65.63 months |
Frequently asked questions
Acura Financial Services sometimes offers 0% financing deals, but only during promotional sales events. As of this writing, there is no national 0% financing deal offered — still, it never hurts to ask your dealer to see what promotions might be available.
The end of the year (October, November and December) can be a good time to snag low Acura financing interest rates. During this time, most vehicle manufacturers run aggressive specials to move as many cars as it can off the lot by year’s end. That way, dealers have room in their inventory to add next year’s models.
AFS doesn’t disclose its minimum credit score requirements or its definition of “well-qualified buyer.” Generally, lenders will review your credit score, payment history, employment history and debt-to-income ratio to determine your eligibility.
Acura also allows cosigners. Adding a cosigner on an auto loan could make Acura more likely to approve you, but only if that person has good credit. But you should also keep in mind that the financial actions you take regarding your vehicle will also affect your cosigner — for example, missed payments will also impact their credit score. Make sure you understand the risks of having a cosigner before pursuing an auto loan.
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