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November 2018 Car Loans Rates by State and Credit Scores:

 

Credit Score
 State Excellent Good Average Bad Poor
720 – 850 690 – 719 630 – 689 580 – 629 below 580
Nationally 1.4% 4.5% 7.4% 10.1% 14.4%
Banks 2.1% 6.1% 8.4% 11.5% 15.0%
Credit Unions 1.1% 3.8% 7.2% 10.1% 14.3%
Car dealers 0.5% 1.6% 2.8% 3.0% 3.9%
New car 0.6% 2.8% 6.8% 10.3% 12.3%
Used car 2.6% 5.4% 7.5% 10.5% 13.6%
Alabama 1.2% 3.0% 8.1% 11.8% 15.0%
Alaska 1.0% 5.0% 7.5% 9.2% 14.3%
Arizona 1.1% 3.2% 6.4% 8.0% 13.5%
Arkansas 0.5% 2.1% 5.7% 9.5% 12.3%
California 0.5% 2.2% 4.3% 8.1% 13.4%
Colorado 0.5% 2.2% 5.4% 8.2% 10.6%
Connecticut 0.6% 3.1% 5.5% 8.0% 13.1%
Delaware 0.6% 2.3% 5.5% 8.4% 13.2%
DC 0.8% 3.1% 6.5% 9.1% 12.5%
Florida 0.6% 2.3% 5.7% 8.4% 15.4%
Georgia 0.8% 3.5% 6.7% 9.4% 15.4%
Hawaii 1.0% 3.0% 6.3% 9.8% 14.2%
Idaho 1.1% 2.4% 5.5% 9.1% 13.1%
Illinois 0.5% 3.0% 6.3% 9.3% 13.6%
Indiana 0.7% 2.5% 6.6% 9.8% 17.4%
Iowa 1.1% 3.1% 4.8% 9.5% 15.1%
Kansas 1.1% 3.2% 5.6% 9.4% 13.5%
Kentucky 0.7% 1.6% 5.6% 9.2% 13.1%
Louisiana 0.9% 3.4% 6.3% 9.4% 15.5%
Maryland 0.6% 2.5% 5.6% 9.6% 14.3%
Massachusetts 0.5% 1.2% 4.0% 8.6% 13.4%
Michigan 0.5% 2.1% 6.5% 8.4% 14.1%
Minnesotta 0.6% 2.4% 5.6% 9.5% 14.7%
Missisippi 1.2% 3.-% 7.3% 10.2% 18.0%
Missouri 1.3% 4.3% 9.0% 13.6% 19.1%
Montana 1.4% 3.1% 6.1% 9.1% 14.0%
Nebraska 1.2% 3.3% 6.3% 9.5% 14.5%
Nevada 0.7% 3.1% 7.3% 9.8% 12.3%
New Hampshire 0.8% 2.5% 6.8% 9.7% 15.0%
New Jersey 0.5% 3.2% 6.5% 9.3% 13.8%
New Mexico 0.6% 2.6% 6.6% 8.4% 13.2%
New York 0.5% 2.3% 5.5% 9.4% 12.8%
North Carolina 0.5% 2.4% 7.3% 9.8% 13.0%
North Dakota 0.5% 3.1% 6.9% 9.8% 15.4%
Ohio 0.6% 2.0% 5.3% 9.3% 14.1%
Oklahoma 0.6% 3.1% 5.3% 8.2% 11.8%
Oregon 0.6% 2.5% 5.2% 9.6% 14.2%
Pennsylvania 0.5% 3.1% 7.3% 11.4% 16.0%
Rhode Island 1.0% 3.1% 6.3% 9.4% 12.1%
South Carolina 0.5% 2.2% 5.6% 8.1% 12.3%
South Dakota 1.0% 4.0% 7.2% 11.3% 15.1%
Tennessee 0.7% 4.6% 9.3% 12.4% 15.1%
Texas 0.6% 3.1% 7.2% 9.8% 15.1%
Utah 0.7% 2.0% 5.5% 9.2% 14.1%
Vermont 0.5% 2.2% 6.1% 9.8% 12.3%
Virginia 0.6% 2.4% 6.6% 8.0% 12.4%
Washington 0.6% 3.1% 6.8% 10.7% 15.6%
West Virginia 1.0% 3.3% 6.1% 9.4% 15.1%
Wisconsin 0.6% 2.3% 5.5% 7.8% 14.2%
Wyoming 1.0% 2.4% 5.7% 9.1% 14.7%
Source: MFP’s Users survey (over 17,884 users) who shared personal loan APR interest rate between October 1 to 31 2018.