Free ยท No obligation ยท All credit types

Compare auto loan rates in minutes.

Finance a new or used vehicle with competitive rates. Compare auto loan offers from participating lenders โ€” new purchase, used vehicle, and refinance options.

250K+
Applications started
50+
Provider partners
4.7/5
User satisfaction
01 โ€” Loan types

Financing for every situation.

Whether you're buying new, used, or refinancing โ€” compare options that fit your needs.

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New car loans

Competitive rates for dealership purchases. Terms typically 36โ€“72 months.

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Used car loans

Financing for private-party and dealership purchases of used vehicles.

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Refinancing

Lower your rate or payment by refinancing your existing auto loan.

02 โ€” Eligibility

Basic requirements to get started.

To submit a free application, you'll generally need the following. Final eligibility is determined by the applicable lender.

  • Be at least 18 years old
  • Have a valid U.S. driver's license
  • Meet minimum income requirements
  • Provide basic employment info
  • Reside in one of the 50 U.S. states
  • Have a valid email and phone number

Average APR by credit tier (new car)

3.9%
Excellent
6.5%
Good
11.2%
Fair
15.8%
Sub-prime

*Illustrative averages. Actual rates vary by lender, term, and profile.

03 โ€” Loan terms

Terms at a glance.

Common auto loan ranges offered by participating lenders.

Loan amountTypical termsBest for
$5,000 โ€“ $15,00024 โ€“ 48 monthsOlder used vehicles
$15,000 โ€“ $30,00036 โ€“ 60 monthsUsed & mid-range new
$30,000 โ€“ $50,00048 โ€“ 72 monthsNew vehicles
$50,000+60 โ€“ 84 monthsLuxury & specialty vehicles
04 โ€” How it works

Three steps. Two minutes.

Simple, transparent, and built to respect your time.

01

Answer a few questions

Provide basic info about the vehicle, amount needed, and your situation. Takes about 2 minutes.

02

Review your options

Based on your responses, you may be presented with available auto loan offers from participating lenders.

03

Choose and apply

Compare rates and terms. When you're ready, complete your application directly with the lender you select.

05 โ€” Reviews

Borrowers like you.

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"I financed my first car through a lender I found on EasyQuotes. The rate was better than what my dealer offered, and the entire process was online."

AT
Anthony T.
Auto Loan ยท Georgia
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"Refinanced my existing auto loan and cut my monthly payment by almost $80. Should have done this a year ago."

LC
Linda C.
Auto Refinance ยท Colorado
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"Was worried about my credit score, but I still got matched with a few lenders. Ended up getting approved the same day."

BW
Brian W.
Auto Loan ยท Tennessee
Ready to finance

Find your auto loan options.

Start your free online application. No obligation, no phone calls, no pressure.

Check eligibility

EasyQuotes is not a lender, bank, or financial advisor. We do not make credit decisions or guarantee approval. By continuing, you acknowledge that information submitted may be processed by third-party services and participating lenders. Rates, amounts, terms, and availability are not guaranteed and vary by lender and individual circumstances.

06 โ€” FAQ

Auto loan questions.

Loan amounts typically range from $1,000 to $100,000+, depending on the lender, vehicle, and your credit profile. Final amounts are determined by the lender.
Rates vary widely based on credit score, loan term, vehicle age, and lender. Typical APRs range from around 3.9% (excellent credit) to 20%+ (sub-prime).
Submitting the initial application through EasyQuotes does not impact your credit. A hard inquiry may occur when you formally apply with a lender.
Many lenders offer pre-approval, which helps you shop with confidence. Ask the lender directly about pre-approval options.
Yes, pre-approval is recommended โ€” it tells you your budget, strengthens your negotiating position, and speeds up the process at the dealership.
No. EasyQuotes is completely free to use. We may receive compensation from lenders when you click through to their offers.