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Who Has the Best Car Loan Rates?

The answer to this common question will depend on the kind of car you’d like to purchase, as well as your current financial situation. You might just as well ask: “Who has the best car loan rates for me?” Although it’s possible to secure an auto loan through lenders like MyAutoLoan, or through your trusted bank, many drivers have good luck securing a loan at the dealership where they buying the car!

Thinking of applying for a loan with Reeves Volkswagen? Contact our finance department today to learn more about your options.

What is the Current Interest Rate for Car Loans?

Car loans always vary depending on the credit score of the buyer. If you know your credit score, you can make a fair estimate of how much you’ll be paying by checking the average auto financing rate, below:

  • Excellent Credit (850 – 740)
    • 3.2% interest rate
  • Average credit (739 – 680)
    • 4.5% interest rate
  • Sub-par credit (680 and Below)
    • Average ranges from 6.5 – 12.9% interest rate

In general, you can expect higher credit scores to translate directly to lower interest rates. That said, if you’re struggling with less-than-perfect credit, you should take care to avoid despair. Many lenders will work with drivers to help them find a loan that fits their budget.

2019 Volkswagen Atlas

Car Loans and How to Get One

So, what is a good car loan rate? Once again, the answer depends on your credit. With excellent credit, your idea of “Good” could be as low as 3.2%! If your credit is lower than you’d like it to be, you might consider a loan to be “Good” even if your rate is much higher.

Ultimately, the most important thing to remember is that it’s OK to shop around–within reason. Making a large number of applications could damage your credit unless you make them in quick succession. Still, it’s important to compare a few offers to make sure that you’re getting the best deal.

What will you need to have when you apply? Most locations will ask you for each of the following:

  • Driver’s license and Social Security number
  • Employment verification
  • Proof of income
  • Proof of assets

Here at Reeves Volkswagen, we’ve made it easy to apply for financing online. Of course, we’re always happy to see drivers who decide to visit us in person, too!

2019 Volkswagen Atlas sunroof

Let Reeves Volkswagen Help You Finance!

Do you still have questions about auto financing in Tampa? Even if you don’t end up shopping with us, we’re happy to help you compare leasing vs. financing or explore optional protections like GAP insurance.

If you’re already set on driving with Volkswagen, check out our current VW lease and finance offers today! When you get the rate you want with one of our incentives, you could be driving home to Clearwater or St. Petersburg in no time!

Learn More from Reeves Volkswagen

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(813) 499-2247

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11337 N Florida Ave • Tampa, FL 33612

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Reeves Volkswagen

11337 N Florida Ave Tampa, FL

Phone: (813) 499-2247



Phone: (855) 243-5708

11337 N Florida Ave Tampa, FL


Phone: (813) 499-2247

11337 N Florida Ave Tampa, FL


Phone: (813) 375-3500

11337 N Florida Ave Tampa, FL
28.0535313 -82.4589577
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Reeves Volkswagen
Reeves Volkswagen
11337 N Florida Ave
Tampa, FL, 33612 United States
(813) 499-2247
Reeves Volkswagen 28.0535313, -82.4589577.