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Last updated: July 2026
Best Auto Loans in the US 2026
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The best auto loan lenders of 1970
Ranked using our independent 5-factor methodology.
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Frequently asked questions
›What credit score do I need for an auto loan?
You can get approved with scores as low as 500, but the best rates (5–7% APR) require 700+. Scores under 600 typically see 15%+ APR.
›Should I get pre-approved before shopping?
Yes. Pre-approval locks in your rate, sets your budget, and gives you leverage to negotiate against dealer financing.
›Can I refinance my auto loan?
Absolutely. If your credit has improved or rates have dropped, refinancing can save you hundreds per year with minimal paperwork.
›How fast can I get funded?
Most online lenders fund in 1–3 business days. Dealer financing is same-day at signing.