Credit Score

What Is a Good Interest Rate for a Car Loan?

When shopping for a new vehicle in the East Baton Rouge area, knowing your Acura car loan rate will help you avoid overpaying and ensure you can successfully manage your monthly auto payments. The lower the annual percentage rate, the easier the payments will be on your budget. Below, our finance department at Acura of Baton Rouge breaks down the most common credit scores and the approximate annual APR for each.

New and Used Car APR

This is the average APR by credit score on new car loans:

  • 781-850: 4.75% APR
  • 661-780: 5.82% APR
  • 601-660: 8.12% APR
  • 501-600: 10.79% APR
  • 300-500: 13.42% APR

Here is the average APR by credit score on used car loans:

  • 781-850: 5.99% APR
  • 661-780: 7.83% APR
  • 601-660: 12.08% APR
  • 501-600: 17.46% APR
  • 300-500: 20.62% APR

How to Get a Good Acura Car Loan Rate

As you can see from the above chart, higher credit scores typically come with lower interest. To secure the most optimal Acura financing rate, it’s important to plan ahead. Find out your credit score before going to the dealership so you know what you can afford and can negotiate accordingly. Going by this chart, a good Acura new car financing rate ranges from 4.75% to 13.42%, and, for a used vehicle, 5.99% to 20.62%.

Here are a few other tips for acquiring the best possible rate and boosting your credit in the process:

  • Check your credit report. If there are any errors that may be impacting your score, open a dispute right away and get the matter resolved.
  • Pay bills on time. Even missing one regularly scheduled payment can result in a credit score hit.
  • Be mindful of your credit utilization ratio. This is the amount of revolving credit you’re using divided by the total credit you have available. A good credit utilization ratio is 30% or less.

Average Acura Car Loan Rates

The average interest rate for a new vehicle loan in the Ascension and Livingston area is around 6.27%. But, again, everything depends on your credit score. As part of your planning, be sure to get pre-approved as soon as possible. This way, you can look into all potential offers and guarantee you’re getting the best deal possible.

Lock in Your Acura Car Loan Rate With Acura of Baton Rouge 

Now that you have a better understanding of Acura financing rates, let our Baton Rouge finance center guide you through the pre-approval process. Then you’ll be ready to compare rates, test drive vehicles, and make an offer. And don’t forget to check out our new vehicle specials to save even more!


Explore Our Models

  • 2025 Acura MDX Performance

      Acura is a high-performance and luxury automaker. It’s known for fast cars with powerful engines for driving around Baton Rouge. It might surprise you to know that Acura also produces some of the best high-performance SUVs for sale in America. That’s why you should consider the 2025 Acura MDX performance specs as a reason to…

  • 2025 Acura MDX Interior

      Elevate every drive in Baton Rouge and beyond with the newest Acura MDX. This new SUV has luxury accouterments across every inch of the cabin to perfectly complement the high-performance engine and passenger volume. The 2025 Acura MDX interior has high-tech, comfort, and convenience features for trips around East Baton Rouge. You’ll love the Acura MDX interior…

  • 2025 Acura MDX Trim Levels

      Do you love the sleek style and sporty performance of the 2025 Acura MDX? If you are set on bringing this impressive SUV home to East Baton Rouge, you should study all six of the Acura MDX configurations to see what suits your needs. Whether you envision yourself driving a model with every available luxury appointment,…

Acura of Baton Rouge 30.3731452, -91.0337258.