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June 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 2.2% 5.1% 7.5% 10.2% 14.3%
Banks 2.4% 6.0% 8.4% 11.7% 15.0%
Credit Unions 1.4% 5.2% 8.3% 10.1% 14.6%
Car dealers 0.3% 0.6% 0.9% 1.6% 2.8%
New car 1.1% 4.0% 7.6% 10.0% 12.4%
Used car 2.6% 5.3% 7.8% 10.6% 13.7%
Alabama 2.3% 4.1% 8.0% 11.8% 15.0%
Alaska 1.4% 5.1% 7.6% 9.2% 14.3%
Arizona 1.0% 3.3% 6.6% 8.1% 13.5%
Arkansas 0.9% 2.1% 5.7% 9.5% 12.1%
California 0.4% 2.0% 4.2% 8.1% 13.4%
Colorado 1.0% 3.0% 5.4% 8.2% 10.6%
Connecticut 0.4% 3.1% 5.5% 8.0% 13.1%
Delaware 0.5% 2.1% 5.4% 8.2% 13.2%
DC 0.5% 3.2% 6.5% 9.1% 12.5%
Florida 0.6% 2.2% 5.1% 8.4% 15.4%
Georgia 1.1% 4.2% 6.3% 9.6% 15.4%
Hawaii 1.0% 3.0% 6.3% 9.8% 14.2%
Idaho 1.1% 2.5% 5.7% 9.1% 13.1%
Illinois 0.7% 3.1% 6.2% 9.1% 13.5%
Indiana 0.7% 2.2% 6.5% 9.8% 17.4%
Iowa 1.3% 3.0% 5.0% 9.6% 15.1%
Kansas 1.2% 3.1% 5.5% 9.4% 13.5%
Kentucky 0.8% 1.7% 5.6% 9.2% 13.1%
Louisiana 0.7% 3.4% 6.8% 9.4% 15.5%
Maryland 0.6% 2.2% 5.7% 9.6% 14.3%
Massachusetts 0.6% 1.9% 4.-% 8.6% 13.4%
Michigan 0.5% 2.2% 6.2% 8.4% 14.3%
Minnesotta 1.0% 3.2% 5.7% 9.5% 14.7%
Missisippi 1.5% 3.5% 7.3% 10.2% 18.1%
Missouri 1.8% 4.4% 9.0% 13.6% 19.1%
Montana 1.5% 3.2% 6.2% 9.1% 14.0%
Nebraska 1.2% 3.3% 6.3% 9.5% 14.5%
Nevada 1.0% 3.2% 7.2% 7.4% 12.3%
New Hampshire 0.8% 2.7% 6.8% 9.7% 15.0%
New Jersey 0.9% 3.5% 6.4% 9.3% 13.8%
New Mexico 0.6% 2.7% 6.6% 8.4% 13.2%
New York 0.5% 3.1% 5.1% 9.4% 12.8%
North Carolina 0.4% 2.7% 7.4% 9.9% 13.4%
North Dakota 0.6% 3.3% 6.9% 9.8% 15.4%
Ohio 0.8% 2.2% 5.5% 9.3% 14.1%
Oklahoma 0.9% 3.0% 5.4% 8.4% 11.8%
Oregon 0.7% 3.1% 5.4% 9.5% 14.2%
Pennsylvania 0.4% 3.3% 7.1% 11.8% 16.1%
Rhode Island 1.0% 3.1% 6.1% 9.4% 12.1%
South Carolina 0.8% 2.1% 5.8% 8.1% 12.4%
South Dakota 1.6% 4.0% 7.5% 11.3% 15.1%
Tennessee 1.1% 5.1% 9.4% 12.4% 15.1%
Texas 1.0% 3.9% 7.6% 9.1% 15.1%
Utah 0.5% 2.5% 5.5% 9.2% 14.1%
Vermont 0.6% 2.4% 6.2% 9.9% 12.3%
Virginia 0.6% 2.1% 6.2% 8.0% 12.3%
Washington 0.8% 3.2% 6.9% 10.9% 15.6%
West Virginia 1.1% 3.6% 6.0% 9.4% 15.1%
Wisconsin 0.6% 2.2% 5.6% 7.9% 14.2%
Wyoming 0.4% 2.1% 5.5% 9.0% 14.7%
Source: MFP’s Users survey (over 15,851 users) who shared personal loan APR interest rate between May 15 and June 30 2018.