Average Car Finance Rate 2025 Calculator. See how interest rate, down payment & loan term will impact your monthly payments. In november 2025, automotive site edmunds.com listed the average car loan interest rate for october 2025 as 7% apr for new car loans and 11.1% apr for used car loans.

It’ll also help you figure out how much you’ll pay in interest and. Create a loan amortization schedule and find grand total of car loan payments and interest.