All values come directly from Federal Reserve G.19 via FRED (RIFLPBCIANM48NM). We do not modify, smooth, or interpolate published values.
Average finance rate on 48-month new car loans at commercial banks. Published monthly by the Federal Reserve in the G.19 Consumer Credit release. Benchmark for comparing dealer financing offers.
Monthly — we refresh daily; new values typically appear on the upstream release calendar.
We gate dateModified updates to actual value changes (threshold: 0.01% absolute or 0.5% relative) to prevent freshness spoofing. If the upstream value hasn't moved, we don't claim we updated the page.
Full historical series is available as CSV with primary-source attribution:
Licensed CC-BY-4.0. When citing, include both CalcFi and the primary source.
No corrections issued on this series.
Spot an error? Email corrections@calcfi.app. Confirmed errors are fixed within 48 hours and logged here with date and nature of the change.
For journalism, research, or educational use, cite both the primary source and CalcFi's canonical URL. Example (APA):
CalcFi. (2026). New Car Auto Loan Rate (48-Month, Commercial Banks). Retrieved from https://calcfi.app/data/credit/auto-loan-rate-48mo/revisions. Source: Federal Reserve G.19 via FRED (RIFLPBCIANM48NM).
Full APA / MLA / BibTeX citations are on the series page.
See CalcFi Editorial Standards for our full methodology, data sources, and correction policy.