Between 3.5 and 5. As of February 27, 2023, the annualized loan interest rate corresponding to a one-year total interest rate of 3.5 is approximately 6.5, 3.8 corresponds to approximately 7, and 4, 4.5, and 5 correspond to 7.4, 8.3, and 9.3 respectively. The mainstream one-year car loan interest rate Between 3.5 and 5, the corresponding annual loan interest rate is 6.5 to 9.3. You can choose different companies according to your needs.