Frequently asked questions
How does AutoRates find the best auto loan rates?
We track the published annual percentage rates (APRs) from lenders across new, used and refinance loans, record them over time, and rank them side by side so you can see who is cheapest today.
Is AutoRates free to use?
Yes. Browsing rates, news and lender reviews is free. We may earn a commission when you apply through one of our partner links, at no extra cost to you.
Are the rates I see guaranteed?
No. Rates shown are the lender's advertised starting APRs. Your actual rate depends on your credit score, loan term, vehicle, down payment and the lender's final approval.
Will comparing rates hurt my credit score?
Browsing AutoRates does not touch your credit. Applying with a lender may result in a credit inquiry; many lenders let you pre-qualify with a soft pull first.
How often are rates updated?
Our team records lender rates regularly and keeps a history so you can see how each lender's APR has moved over time.
Why do I need to verify my email to leave a review?
Verified accounts help us keep reviews genuine and free of spam. It only takes a click on the link we email you.
How do I report an inaccurate rate or review?
Use our contact page and tell us which lender or review you are referring to. We will look into it promptly.