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$25,000 financed · 60 months (5 years) · no fees
Experian · Q2 2026 averages by score band, not per point. Not a quote or guaranteed savings.
| Score band | New car | Used car |
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Source: Experian · published September 10, 2026 ↗. Checked October 4, 2026. This dated snapshot uses VantageScore® 4.0 bands; your lender may use a different score model. It is not a live rate feed.
Our calculation applies each published APR as a fixed interest rate to the same $25,000 balance for 60 monthly payments, with no fees or early repayments. The comparison band is your selected reference, not a prediction of your current rate. Savings are the difference in total interest over all five years; amounts are rounded after calculation. The averages include loans with different terms and borrower circumstances.
Crossing a band boundary does not guarantee a rate cut, and improving a score does not automatically reprice an existing loan. Actual offers also depend on income, debt, down payment, vehicle, term and lender. This example covers auto loans, not mortgages or credit cards. Score improvements are not guaranteed.
What affects a loan rate? · CFPB ↗OUR NEW WEBSITE IS COMING SOON
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Welcome to Financial Strategy Solutions. We help you understand your credit, address inaccurate information, and create a plan to move forward with confidence.
A clear review of your credit reports and the information affecting your score.
Support reviewing and disputing inaccurate information on your credit reports.
Personalized credit improvement planning, shaped around your goals.
Every credit profile is different. Specific score increases and outcomes are not guaranteed.
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