{"_note":"Auto loan rates by credit tier (build-credit-tiers.py -> site/auto-loan-rates-by-credit-score.html). Source: Experian State of the Automotive Finance Market, quarterly (Q2 report late Aug, Q3 early Dec, Q4 early Mar, Q1 early Jun). Replace all figures each quarter.",
"quarter":"Q2 2026","published":"2026-08-27","src":[["Experian: Auto loan rates and financing (Q2 2026 tier table)","https://www.experian.com/blogs/ask-experian/auto-loan-rates-financing/"],["Experian press release, Aug 27, 2026","https://www.experianplc.com/newsroom/press-releases/2026/hybrids-continue-to-gain-ground-amid-elevated-gas-prices--accord"]],
"avg":{"newRate":6.35,"usedRate":11.19,"newAmount":43610,"usedAmount":27852,"newPay":765,"usedPay":542,"leasePay":617,"refiRate":7.97,"refiOrig":10.40,"refiSave":83},
"tiers":[["Super prime","781–850",4.41,741,6.29,534],["Prime","661–780",6.15,770,8.81,528],["Near prime (nonprime)","601–660",9.71,816,13.93,555],["Subprime","501–600",13.52,805,19.10,567],["Deep subprime","300–500",16.11,779,21.62,570]]}