Auto Loans
Drive the car you want.
At the rate you deserve.
Finance a new or used car — or refinance your current loan — with rates starting at 5.99% APR. Get a decision in minutes, not days.
Check My Rate — No Credit ImpactRates from 5.99% APR
Up to 84-month terms
No prepayment penalty
Same-day approval
5.99%
Starting APR
New vehicles
84 mo
Max Term
Lowest payment
Minutes
Decision Time
Not days
$0
Application Fee
Always free
Current auto loan rates
Rates as of May 2026. Your rate depends on credit score, loan amount, and vehicle age.
Loan TypeTermAPR FromNotes
New Car36 months5.99%Best for 2024–2026 models
New Car60 months6.49%Most popular term
New Car84 months6.99%Lowest monthly payment
Used Car36 months6.49%Vehicles up to 5 years old
Used Car60 months7.25%Vehicles up to 7 years old
RefinanceAny term5.75%Lower your current payment
Why finance with MercuryFinance
Same-day approval decision
Apply online and get a decision within minutes. No waiting days for a callback.
No prepayment penalty
Pay off your loan early? We celebrate that. Zero prepayment fees, ever.
Rate lock for 30 days
Once approved, your rate is locked for 30 days so you can shop with confidence.
Refinancing made simple
Lower your monthly payment by refinancing your current auto loan — even from another lender.
Ready to hit the road?
Apply online — it takes 5 minutes and won't affect your credit score to check your rate.
Check My Rate