What it actually costs
Rate and cost data for subprime auto lending, sourced to Experian, the Federal Reserve, and the CFPB. Every table states the period its data covers, and these pages are re-checked against their sources at least twice a year.
- Auto Loan APR After Bankruptcy, by Credit TierNo lender publishes an APR by bankruptcy status. Experian's Q1 2026 data ties rates to credit tier: 4.55% new super prime to 21.77% used deep subprime.
- Buy Here, Pay Here vs. Traditional Subprime Auto LoansA Federal Reserve note puts BHPH subprime auto loans at a 25.39% average rate vs. 14.60% at traditional lenders, a gap tied to how each channel reports credit.
- The Motor Vehicle Exemption, by StateThe federal vehicle exemption is $5,025 as of April 1, 2025, next adjusting in 2028. This page verifies figures for 7 states, $3,500 to $8,625.