Grade Your Deal

Enter your loan details and instantly see how your rate compares to the market average.

100% Free

No signup required. Get an instant grade comparing your APR to market averages based on your credit profile.

Your APR

Annual Percentage Rate from your loan paperwork

Loan Term

Amount Financed

The loan amount (not the car price)

Credit Score

Don't know? Leave as Good.

Vehicle Type

How we grade your deal

We compare your APR to market averages for your credit profile and vehicle type. Loans over 72 months receive a slight penalty as longer terms carry more risk.

The Grading Scale

A+ / A At or below market • B / C Above average • D / F Significantly above

Market rate estimates based on data from Experian State of the Automotive Finance Market (Q3 2025) and Federal Reserve commercial bank rates. Actual rates vary by lender, location, and individual creditworthiness. This tool provides estimates for educational purposes only and does not constitute financial advice.