In California.
I know there are other factors, I’m looking for a general range. Expert, experienced advice desired, I know how to use search engines.
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10%.,, i got this rate for the same score
630 credit score is an average credit score. You should be getting a car loan between 7.5% and 9%.
You should definetly shoot for 7.5%.
As you state there are many factors involved but anywhere from 18% on up. Again that means nothing as we do not know what you have to put down etc.
Auto finance is what I do for a living and there is not enough information for anyone to give you a accurate answer.
Auto loans are based on the following factors;
1. LTV (loan to value).
2. Term.
3. Age of vehicle.
4. Miles on vehicle.
5. Down payment.
6. Time on job.
7. Time at residence.
8. Monthly income before taxes.
9. Credit score/profile.
10 Total debt to income ratio.
Without knowing all of the above you could be anywhere from a decline to 21%.