The Rateous Auto Rate

Acquiring a new auto loan isn't as simple as just your credit score. Lenders look at four different criteria's to determine the rate for which you qualify. The criteria used create a formula called Risk Based Pricing. This formula looks at your Credit Score, Year of the Vehicle, Term of Loan and Down payment (also known as Loan-to-Value).

Rateous has developed an algorithm based on true world lending practices. We developed this to inform you of the best available interest rate without having to ask your sales consultant, "Is this my best rate?".

The Rateous Auto Rate is

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Enter your information below and find out The Rateous Auto Rate!
No social security number or credit check required.
* Required Field

* Model Year:
* Selling Price:
* Your Down Payment:
Trade In Amount:
Balance Owed On Trade In:
* Your Credit Score:
* Term of Loan:

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Terms of Service  and  Privacy Policy

This calculator and its content are for informational and illustrative purposes only and are not intended to provide investment, legal, tax, or accounting advice, nor are they intended to indicate the availability or applicability of any lender product or service to your unique circumstances. This tool is not a solicitation, advertisement, or application for credit, nor does use of it qualify you for any particular credit product. Although we have obtained content from sources deemed to be reliable, Rateous and its affiliates are not responsible for any content provided by unaffiliated third parties. The accuracy of this calculator is not guaranteed. You may wish to consult a qualified professional about your unique situation.


When this rate may not apply.
Read our Other Interest Rate Factors that may affect your actual rate.

Interest Rate factors

Need Direction, Guidance or a Second Set of Eyes? Let us Help

We understand that when it comes to acquiring a loan for a new car, whether it be through your own bank or through the dealer, it's not easy.

We have decades of dealership experience and we can take a look at the deal you are currently presented with and advise you on how to proceed. We will take care of this for you! Don't get taken to the cleaners! Contact us today.

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Are you not getting the rate close to what's been calculated?
Please reach out to us for help.

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Hate to Negotiate?

Negotiating with an auto dealer can be frustrating even when you're armed with as much information that's available. What's becomes more difficult is the method used by auto dealers to give you options called a " menu presentation". This presentation has multiple monthly payments with various yearly terms and down payments. Even the most seasoned negotiator can't be sure they are receiving their best deal with their best rate and best monthly payment.  

At Rateous, we will work on your behalf directly with a choice of auto dealers to insure you get the best deal you deserve regardless of you credit situation. Unlike many other web-sites, there is no fee for our service which makes your buying experience easy and enjoyable.

Our Process

Not Sure What Your Credit Score Is?

There are many websites available that will give you your credit score for free and some that are paid! Here are some options for paid and for free.


1. Capital One Creditwise
2. Discover
3. Credit Karma


1. myFICO
2. Experian
3. TransUnion
4. Equifax

Have questions about any of the options above? Contact us.
Contact Us

Rateous does not endorse nor recommend any of the above listed companies. You are solely responsible for researching each company to determine which one works best for you. The companies listed above are merely suggestions. The use of any company listed on our site is not required to use our service.