How does Baywall work?

Enter your credit score, vehicle details, loan terms, and the APR your dealer offered. Baywall compares your offer to comparable transactions (similar credit, vehicle, and loan) and tells you if it is great, fair, or high. The paid report gives you your exact target rate.

The basic rate assessment is free. It tells you if your rate is great, fair, or high with an estimated savings range. The full report with your exact target rate costs $2.99 one-time.

News & Media

Guides on auto loan rates, dealer markups, and how to negotiate the best APR for your next car.

August 1, 20261 min read

Certified Pre-Owned Financing: Get the Best Deal

Discover how certified pre owned financing can save you money. Get pre-approved and benchmark your rates for the best deal possible!

July 31, 20261 min read

LendingTree Alternatives for Car Buyers: Get a Negotiation-Ready APR

Unlock better deals with LendingTree alternatives. Get a target APR tailored to you before signing at the dealership. Start negotiating smart.

July 30, 20261 min read

Loan to Value on Auto Loans: What Borrowers Need to Know

Discover how loan to value auto loan affects your interest rates, approval odds, and overall loan costs. Learn to calculate and manage it!

July 29, 20261 min read

SUV Loan Rates in 2026: Benchmarks by Credit Tier

Explore SUV loan rates for 2026 by credit tier. Discover benchmarks for new and used loans to secure the best deal today!

July 28, 20261 min read

Is 20% APR on a Car Loan Too High? What to Do Now

Is a 20% APR car loan too high? Learn how to manage high rates and secure better financing options for your vehicle today!

July 28, 20261 min read

Used Car Loan Rates in 2026: Benchmarks and Negotiation Targets

Discover the latest used car loan rates for 2026. Find negotiation targets based on your credit tier and secure the best deal today!

July 27, 20261 min read

Best Credit Union Auto Loans: Beat the Dealer's APR

Discover the best credit union auto loans with lower rates and fewer fees. Get pre-approved and boost your bargaining power before visiting dealers.

July 27, 20261 min read

Good Car Loan Rate: What You Should Pay by Credit Tier

Discover what a good car loan rate is based on your credit tier. Get competitive APRs and tips to negotiate better rates. Drive smarter!

July 26, 20261 min read

Private Party Auto Loan Rates: What You'll Actually Pay

Discover how private party auto loan rates compare to dealer APRs. Learn to secure better rates with tips on preapproval and lender shopping.

July 26, 20261 min read

Refinance Car Loan Rates: Beat Your Dealer APR

Discover how to save with refinance car loan rates that beat dealer APRs. Learn to evaluate your options and maximize your savings!

July 25, 20261 min read

Calculate Car Loan Interest: Benchmarks and Negotiation

Learn how to calculate car loan interest effectively. Compare rates and negotiate better terms with benchmarks for smarter car financing.

July 24, 20261 min read

Average Car Loan Rate in 2026: Your Benchmarking Guide

Discover the average car loan rate in 2026: 6.39% for new cars and 11.43% for used cars. Learn how to secure the best deals!

July 23, 20261 min read

APR vs Interest Rate on Car Loans: 2026 Buyer's Guide

Understand the key differences in APR vs interest rate on car loans. Learn how to make smarter financial choices with our 2026 Buyer’s Guide.

July 22, 20266 min read

What APR Should I Get With a 715 Credit Score?

With a 715 credit score, the average new car APR is 6.23% and used is 8.77%. See the exact rate you should target, and what a bad rate really costs you.

July 22, 20261 min read

Best Used Car APR: Rates by Credit Score in 2026

Discover the best used car APR rates by credit score for 2026. Save money and get the best deals before visiting the dealership!

May 8, 20263 min read

How to Negotiate Your Car Dealer's Interest Rate

Learn how to push back on dealer APR markups and negotiate a lower interest rate on your car loan. Step-by-step guide with real numbers.

May 8, 20263 min read

What APR Should I Expect With My Credit Score?

Find out the average auto loan APR for your credit score range. See real benchmarks for super prime, prime, nonprime, subprime, and deep subprime borrowers.

May 7, 20264 min read

Credit Union vs Dealer Financing: Which Is Better for Your Car Loan?

Compare credit union auto loan rates with dealer financing. Learn why credit unions are often 1-2% cheaper and how to use both options to get the best deal.

May 6, 20264 min read

What Is Dealer Reserve and How Does It Affect Your Car Loan?

Dealer reserve is the legal markup dealers add to your auto loan interest rate. Learn how it works, how much it costs you, and how to avoid overpaying.