You finance a new car in the US today. What's the average monthly payment?
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$765
Financing a new car in the US now averages $765 a month on a $43,610 loan. A weaker credit score costs more than the interest rate alone suggests. Buyers with the best credit pay $741 a month, while those one tier down pay $816, after stretching the loan to nearly 76 months to shrink it.
The average new car in America costs $765 a month to finance. Buyers with weaker credit pay $816, on even longer loans.
Source: Experian (State of the Automotive Finance Market, Q2 2026) · checked Sep 2026