Estimated Monthly Payment
Estimated APR range: 7.4% – 10.9%·Total interest: $6,747
Loan Amount
$27,000
Total Cost
$38,747
You Save vs. Dealer
~$1,484
Checking your rate does not affect your credit score · Results in under 60 seconds
0+
Loans Funded
$0
Avg. Customer Savings
0%
Approval Rate (soft pull)
0s
Avg. Pre-Qual Time
The dealership
isn't your friend
when it comes to rates.
Dealers mark up wholesale rates — sometimes by 2–4 percentage points — and pocket the difference as dealer reserve. On a $32,000 vehicle, that quiet markup costs you $4,333 over the life of the loan.
Same vehicle. Same down payment. Just a different lender — and a very different outcome.
* Based on $32,000 vehicle, $3,000 down. Rates illustrative.
Credit Score: 720 – 850
$457/mo
APR: 5.4%
Credit Score: 640 – 719
$497/mo
APR: 8.9%
Credit Score: 580 – 639
$565/mo
APR: 14.5%
* $24,000 loan, 60-month term. Rates are illustrative examples.
Your credit score
is a pricing lever.
Here's how hard it pulls.
A 140-point difference in credit score can mean paying $6,441 more in interest over the same loan. That's not a rounding error — that's a vacation, a year of car insurance, or a healthy emergency fund.
LendDrive shows you all three scenarios before you commit
Subprime offers with capped APRs — no predatory traps
Credit-building paths that improve your score over time
Your current rate
is bleeding you
$47/month.
If you financed before 2023 or let the dealership arrange your loan, there's a good chance you're paying a rate that no longer reflects your creditworthiness. Refinancing to 6.2% APR recovers $2,271 over the remaining term.
Monthly Savings
$47
Total Recovered
$2,271
Current APR
9.8%
New APR
6.2%
Cumulative Savings Over Time
$2,271 recovered
Before
$707/mo
@ 9.8% APR
After
$660/mo
@ 6.2% APR