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💰 Consumer & Mortgage CreditUpdated Q1 2026

Auto Loan Rates by Credit Score (2026 illustration)

Illustrative APR bands by FICO — not a quote. Compare live offers for your profile.

Last updated 2026-04-01 · Federal Reserve — Consumer Credit (G.19)

Consumer credit outstanding ($ trillions, illustrative)Consumer credit outstanding ($ trillions, illustrative)$4.45T – $5.00T20212022202320242025
Illustrative APR by score bandIllustrative APR by score band720+~6.2%660–719~8.4%620–659~12.1%Below 620~16.5%

What the Data Says You Should Do

If your score improved, you may qualify for materially better auto and personal loan rates — compare current offers.

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Auto loans

Refinance if your score improved

A better rate can cut hundreds off total interest.

Compare auto loans
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Mortgages

Check refi breakeven vs your horizon

Closing costs matter as much as the rate.

Compare mortgages
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Personal loans

Consolidate high-interest debt

Fixed payments can simplify payoff.

Compare personal loans

FAQ

Will I get this rate?

Maybe not — lenders use proprietary criteria. Use this as educational context only.

Sources

For general guidance only — individual results vary. Not financial, legal, or tax advice.