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# [SIGNAL BRIEF] Consumer Credit: Bankrate: average 60-month new-car loan rate 7.00% (Apr 1, 2026 update)
- URL: https://blog.dgactual.com/signal-brief-consumer-credit-bankrate-average-60-month-new-car-loan-rate-7-00-apr-1-2026-update/
- Published: 2026-04-05T00:46:13.000Z
- Updated: 2026-04-05T00:46:13.000Z
- Description: Bankrate: average 60-month new-car loan rate 7.00% (Apr 1, 2026 update)
- Author: Daniel
- Tags: Signal Brief, Consumer Credit, DGActual Signal Intel

## Bankrate: average 60-month new-car loan rate 7.00% (Apr 1, 2026 update)

Bankrate’s weekly survey shows the average 60-month new-car loan rate at 7.00% as of its April 1, 2026 update.

Their table also lists 48-month new at 6.86% and 48-month used at 7.44%, framing where lender floors are sitting heading into April.

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**What this means for dealers:** This is your payment reality check. A full 1-point rate cut is roughly $20 per month, so moving metal still has to come from trade equity, term, and OEM subvention, not wishful thinking on the Fed.

*Source: [Bankrate](https://www.bankrate.com/loans/auto-loans/rates/?ref=blog.dgactual.com)*