What Does the Average Dealer Rate Markup Mean to Consumers?

Worth Noting:

While the average markup spread over the 34 million consumers that financed a vehicle through a dealership is $714, the actual cost of a rate markup on an individual car loan can be nearly $1700 for a new car and over $1200 for a used car.

To learn more, please take a look at our latest dealer rate markup report

Based on our newest research on dealer rate markups, the average dealer interest rate markup (spread over all of the consumers that financed a vehicle through a dealership in 2009) is $714. The amount sounds like a big chunk of money for most working families, but what does it really mean to the pocketbooks of most consumers?

Use the following links to see what the average dealer rate markup translates to:


Enough Gas for a Round Trip from Maine to Key West in a Passenger Vehicle with 22.6 MPG

Free Oil Changes for 6 years

Two Sets of New Tires and a Spare

Four Basic Engine Tune-Ups

More Information

Auto Financing Research
Latest Research
CRL's research on rate markups.
Rate Markup Volume By State
Markups By State
Rate hike breakdown by state.
Car Loan Tips
Car Loan Tips
How to combat dealer rate hikes.