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May 2019 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 1.1% 4.3% 7.5% 10.1% 14.5%
Banks 2.2% 6.4% 8.4% 11.6% 15.1%
Credit Unions 1.0% 3.7% 7.2% 10.1% 14.3%
Car dealers 0.6% 1.6% 2.5% 3.1% 3.9%
New car 0.5% 2.3% 6.5% 10.2% 12.2%
Used car 2.6% 5.6% 7.6% 10.4% 13.7%
Alabama 1.0% 3.1% 7.4% 11.7% 15.1%
Alaska 1.1% 5.3% 7.5% 9.2% 14.3%
Arizona 1.0% 3.0% 6.3% 8.1% 13.6%
Arkansas 0.7% 2.0% 5.5% 9.5% 12.3%
California 0.7% 2.0% 4.5% 8.5% 13.4%
Colorado 0.7% 2.1% 5.3% 8.1% 10.7%
Connecticut 0.7% 3.1% 5.4% 8.1% 13.2%
Delaware 0.5 2.2% 5.6% 8.6% 13.4%
DC 0.7% 3.1% 6.5% 9.0% 12.4%
Florida 0.6% 2.2% 5.8% 8.7% 15.5%
Georgia 0.7% 3.4% 6.5% 9.4% 15.5%
Hawaii 1.0% 3.1% 6.2% 9.7% 14.3%
Idaho 0.7% 2.3% 5.5% 9.0% 13.0%
Illinois 0.6% 3.1% 6.2% 9.2% 13.4%
Indiana 0.6% 2.2% 6.6% 9.6% 15.4%
Iowa 1.2% 3.5% 5.8% 9.4% 14.0%
Kansas 0.7% 3.1% 5.6% 9.6% 13.6%
Kentucky 0.7% 1.9% 5.6% 9.3% 13.2%
Louisiana 0.6% 3.2% 6.7% 9.3% 15.5%
Maryland 0.7% 2.3% 5.6% 9.5% 14.4%
Massachusetts 0.5% 1.1% 4.1% 8.9% 13.5%
Michigan 0.8% 2.2% 6.3% 8.6% 15.3%
Minnesotta 0.6% 2.2% 5.8% 9.2% 13.7%
Missisippi 1.1% 3.2% 7.3% 10.2% 18.0%
Missouri 1.0% 4.2% 9.1% 13.4% 17.2%
Montana 1.0% 3.0% 6.0% 9.2% 14.1%
Nebraska 1.0% 3.1% 6.2% 9.2% 14.2%
Nevada 0.7% 3.0% 7.1% 9.6% 13.1%
New Hampshire 0.7% 2.2% 6.8% 9.7% 15.0%
New Jersey 0.6% 3.1% 6.4% 9.1% 12.5%
New Mexico 0.6% 2.4% 6.5% 8.3% 13.1%
New York 0.5% 2.1% 5.7% 9.4% 12.5%
North Carolina 0.6% 2.2% 7.4% 9.9% 13.8%
North Dakota 0.6% 2.3% 6.9% 9.8% 15.4%
Ohio 0.8% 2.2% 5.6% 9.2% 14.2%
Oklahoma 0.6% 3.1% 5.2% 8.0% 12.4%
Oregon 0.6% 2.1% 6.0% 9.4% 15.2%
Pennsylvania 0.6% 3.0% 7.2% 11.5% 14.1%
Rhode Island 1.0% 2.9% 5.3% 9.4% 12.1%
South Carolina 0.7% 2.1% 5.4% 8.2% 12.7%
South Dakota 0.9% 4.2% 7.2% 11.3% 15.1%
Tennessee 0.6% 4.2% 9.6% 12.4% 14.0%
Texas 0.6% 2.4% 5.3% 9.7% 15.4%
Utah 0.6% 2.0% 5.6% 9.5% 14.5%
Vermont 0.6% 2.4% 6.2% 9.8% 12.3%
Virginia 0.6% 2.4% 6.4% 8.2% 13.4%
Washington 0.7% 3.0% 6.7% 10.4% 15.5%
West Virginia 1.1% 3.2% 6.0% 9.4% 15.1%
Wisconsin 0.7% 2.2% 5.4% 7.8% 13.2%
Wyoming 1.1% 2.4% 5.6% 9.1% 14.5%
Source: MFP’s Users survey (over 11,938 users) who shared personal loan APR interest rate between April 1 to 30 2019.