Getting the best possible interest rate on your auto loan can save you hundreds or even thousands of dollars over the life of the loan. In this article, we explore key factors that impact your loan rate, such as your credit score, loan term length, and the type of lender you choose. You’ll learn practical tips on how to improve your credit before applying, when to lock in a rate, and how to shop around effectively to compare offers. Whether you’re buying a new or used car, this guide will help you navigate the lending landscape and secure the most affordable financing options available in 2025.