Auto Loan Rate Forecast For 2025. We highlight the role of higher monthly payments in driving delinquencies and argue that larger auto loan amount at origination, rather than the increases in interest rates,. If you’ve seen a significant improvement in your credit score since taking out your auto loan, refinancing may make sense even after this modest 0.25% rate cut.

Auto loan rates stood at around 5.5% on average at the end of 2022 but are projected to go higher. Fitch ratings has maintained our sector outlook for indian auto loan abs at neutral.