Key takeaways:

• BankingBridge now offers a new auto loan rate display table.
• Financial institutions like banks and credit unions can deploy this table right on their websites. 
• If your company offers auto loans, this gives you a way to offer the instant information access that today’s consumers expect. 
• The auto loan rate table personalizes rates to the borrower’s profile. 

We’ll be honest. It’s a tough time for the mortgage market. With home prices high, people are moving less and fewer new homeowners are coming to the market. And rates holding at relatively high levels isn’t great for refinance activity, either.

Fortunately, lending institutions can make money through other channels. Specifically, auto loans can help you fill some of the gaps in your pipeline. 

In our effort to support lending teams, we’re launching a new product. Meet the new auto loan rate display table.

Today’s rates to satisfy today’s borrowers

In 2026, people are impatient. We’re all used to being able to pull out our phones to get answers to our questions, or to order the thing we need. We even typically expect delivery within a couple of days or less. 

Humans don’t become different versions of themselves when they’re shopping for a car. In fact, with a major financial purchase on the horizon, they usually want to get their ducks in a row ASAP. That means they’re hungry for auto loan information — and fast. 

That’s where the new auto loan rate table comes in. By providing car shoppers with a clear idea of what they can expect from their loan, you make your company look good. You’re the helpful, informative team providing the details they’re seeking. And you’re making it available to them within just a few clicks. 

Plus, all you need to do to power this rate table is upload a spreadsheet. Periodically uploading a new rate sheet keeps the rates on your table fresh. And since auto loan rates fluctuate less frequently and less dramatically than mortgage rates, this shouldn’t be a major lift for your team. 

A personalized auto loan rate table for a personal touch

It would be fairly easy to advertise “Rates as low as…” So easy, in fact, that a lot of your competitors are probably already doing precisely that. 

We’ve built this auto loan rate table to help you set your lending team apart. It doesn’t just show a one-size-fits-all rate. 

Instead, we customize the rate based on a few criteria that potential borrower inputs. The rate table asks them:

• For the amount they want to borrow
• Whether the car is new or used
• For their credit score range

Then, once they click “See Rates,” it automatically generates loan scenarios based on those borrower-specific factors and the rates you’re currently offering. The car shopper gets a clearer idea of what’s available to them without anyone from your team having to lift a finger. 

One quick note here: The rates shown are estimates, and it’s important that you let prospective borrowers know that. Pair your rate table with any disclosures your compliance team recommends. 

What borrowers get from the auto loan rate table

The table doesn’t just generate a single rate for the borrower. Instead, it presents a list of rates to them. They can glance through = to get a better idea of their options. 

For each option, the car shopper can see:

• The interest rate
• The APR
• The loan amount
• The loan term
• The estimated monthly payment 

To further inform their car shopping, the auto loan rate table also lets them:

• Switch between rates for new vehicles, used vehicles, or all vehicles
• Filter by loan term, from three to seven years
• Sort the results to show the lowest rate first

To help them keep the different rates straight, each result includes a summary of the loan scenario (e.g., "New & Used · Excellent (750+) · $30,000 loan"). 

For a $30,000 loan over three years, for example, the rate table might show that a new vehicle could have a 3.74% rate, a 3.99% APR, and an estimated $886 monthly payment. The same loan on a used vehicle might show a 4.24% rate, a 4.49% APR, and an estimated $892 payment.

This way, the borrower doesn’t have to pick up the phone to learn the difference between new and used financing. They can educate themselves. 

Then, by the time they talk with one of your loan officers, they should have a clearer idea of what’s right for them. That makes them more likely to be ready to take next steps, with less legwork from your team. 

What you get from the auto loan rate table

This feature on your website doesn’t just help borrowers. With the auto loan rate table, you get a way to:

• Build trust. People care about transparency from their financial institutions. By offering personalized rate estimates, you’re sharing important details with clarity. And by making rates easy to access, you show that it’s important to you to provide that transparency to consumers. This can help people look at your company more favorably. 
• Keep people on your site. By providing personalized rates, you give people the information they’re seeking right on your website. They can look at different loan amounts, terms, and loan types (new vs. used) right there. There’s no need for them to navigate elsewhere (read: to a competitor’s site) to find this info. 
• Qualify leads. The rate table doesn’t just show people a rate, or even an APR. It pairs that information with an estimated monthly payment. This way, people can see what that loan would actually mean for their finances. They only move forward with approaching you if they’re truly in a position to take on the loan. That means your rate table essentially pre-qualifies leads for you. 

Plus, if you’re already using BankingBridge for your mortgage products, this rate table keeps things consistent. Borrowers get the same experience whether they’re looking for a car, a house, or a refi. 

With the auto loan rate table, you meet car shoppers where they are (online) with the information they want (personalized rate info). If you’d like to see how this table would look and feel on your own website, book a demo with us today.