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  >3.9% APR Average APR on new 48-month auto loans (couldn’t find historical data for 60-month, but 48-month is generally lower) ranged from ~11.8% to 7.5%. The average hasn’t ever been that low, but the lowest on record I found was in about 2015 at around 4.1% [Source](https://fred.stlouisfed.org/series/TERMCBAUTO48NS)