Current Rates & Credit Score Impact
See average mortgage and auto loan rates, how credit score affects your rate, and check your score free.
Current average rates
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How credit score affects your rate
Lenders use your score to set your APR. A higher score typically means a lower rate and big savings over the life of a loan.
| Score range | Tier | Typical mortgage impact | Typical auto APR |
|---|---|---|---|
| 760+ | Excellent | -0.5% to -0.75% | ~5–7% |
| 700–759 | Good | -0.25% to -0.5% | ~7–9% |
| 640–699 | Fair | Average | ~9–12% |
| 580–639 | Below average | +0.5% to +1% | ~12–18% |
| Under 580 | Poor | +1.5% or more | 18%+ |
Check your credit score free
Knowing your score helps you negotiate and plan. These providers offer free scores or reports—no need to pay.
We are not affiliated with these providers. Rates and offers change. Always confirm with your lender.