Acura Financing: What To Know in 2025
If you’re looking for luxury and reliability, an Acura could fit the bill. But as fun as it is to shop for a new car, you also need to think about how you’re going to pay for it.
Acura financing rates vary based on your credit history, the model you choose and in some cases, your ZIP code. To get the best deal, you need to review your loan options. And if you already have a few offers in hand, we can help you compare your quotes to average Acura car payments.
How do your Acura payments compare to the average?
Depending on how far you are in the car-buying process, you might have already gotten quotes and have an idea of what your Acura car payment might be. If so, we’ve compiled some data to show you whether your offers are higher or lower than average.
The following tables represent average monthly Acura car payments for new and used models. Find your credit band, and compare your monthly payment to our estimated average.
Please note that these payments are estimates only, and yours may differ based on your down payment amount, how much you finance and other factors. These figures also do not account for registration costs or dealer fees.
You may be surprised to see that some of our hypothetical borrowers with stronger credit have a higher monthly payment than those with lower scores. That’s because data shows that borrowers with higher credit scores generally choose shorter loan terms.
Short loan terms can help you reduce the amount of interest you pay, but payments are generally higher because you have less time to pay off your loan.
Learn more about how we calculated average monthly Acura payments.
Estimated average monthly payments for new Acuras
| Model | Starting manufacturer’s suggested retail price (MSRP) | Monthly payment (501-600 credit score) | Monthly payment (601-660 credit score) | Monthly payment (661-780 credit score) | Monthly payment (781-850 credit score) |
|---|---|---|---|---|---|
| 2025 Acura MDX | $51,200 | $878.94 | $803.52 | $762.29 | $796.66 |
| 2025 Acura Integra | $33,000 | $520.12 | $475.49 | $451.09 | $471.43 |
| 2025 Acura TLX | $45,400 | $764.59 | $698.98 | $663.11 | $693.02 |
| 2025 Acura RDX | $44,700 | $750.79 | $686.36 | $651.14 | $680.51 |
Estimated average monthly payments for used Acuras
| Model | Starting manufacturer’s suggested retail price (MSRP) | Monthly payment (501-600 credit score) | Monthly payment (601-660 credit score) | Monthly payment (661-780 credit score) | Monthly payment (781-850 credit score) |
|---|---|---|---|---|---|
| 2025 Acura MDX | $51,200 | $878.94 | $803.52 | $762.29 | $796.66 |
| 2025 Acura Integra | $33,000 | $520.12 | $475.49 | $451.09 | $471.43 |
| 2025 Acura TLX | $45,400 | $764.59 | $698.98 | $663.11 | $693.02 |
| 2025 Acura RDX | $44,700 | $750.79 | $686.36 | $651.14 | $680.51 |
Acura finance options
Now that you know how your Acura car payments stack up, it’s time to explore financing options. Choosing the right type of financing is important. Unless you refinance, you could be stuck with your lender for years. Below you’ll find some solid options that might help you get the auto loan with the best terms.
Acura Financial Services
Major car manufacturers offer their own financing, and Acura is no exception. However, don’t be alarmed when Acura directs you to Honda Financial Services to apply. Honda owns Acura, but Acura Financial Services (AFS) is Acura’s financing brand.
Acura finance rates are specific to ZIP code and dealership. The easiest (and most accurate) way to see what your annual percentage rate (APR) could be is to get a preapproved car loan on Acura’s website. You could also locate an Acura dealer and stop in for a chat.
Aside from competitive Acura financing deals, financing through AFS could give you access to:
- Special APR offers: Throughout the year, Acura puts certain models and model years on sale through special APR offers. This is where you might find a 0% APR deal. Offers vary by state, the amount of your down payment and your credit score.
- Special lease offers: Acura also sometimes offers special lease deals by reducing monthly payments on specific models. Note that Acura leasing typically requires a minimum down payment, and only well-qualified buyers are eligible.
- Rebates: Recent and upcoming college grads can earn a rebate on a finance or lease. Acura also offers rebates on new purchases for eligible active-duty military, veterans, military spouses and Gold Star families.
- Acura Loyalty Advantage: Acura extends special benefits to current lessees who buy or lease another Acura. One of these benefits could be an Excessive Wear-and-Use or Damage waiver. Acura may also waive your lease turn-in fee or grant you additional miles on your next lease.
- Warranties and maintenance programs: Your Acura could come with several warranties — some complementary and some for an additional cost. Two standard warranties include the new vehicle limited warranty and the powertrain limited warranty. The new vehicle limited warranty lasts for four years or 50,000 miles (whichever comes first). If any part on your Acura is defective under normal use, this warranty could kick in (limitations apply). The powertrain limited warranty may cover your engine, transmission and drive systems for six years or 70,000 miles.
- Certified pre-owned vehicles: Acura’s certified pre-owned vehicles include model years 2020-2025. They must also have fewer than 80,000 miles and pass an 182-point inspection. Certified pre-owned vehicles from Acura have a limited powertrain warranty that lasts for seven years or 100,000 miles. Non-powertrain coverage lasts for two years or 100,000 miles. You’ll also get complimentary roadside assistance for two years or 100,000 miles.
It should be noted that you must be a “well-qualified buyer” to take advantage of the best Acura financing deals. However, Acura doesn’t disclose what credit score is needed to buy a car. For context, many major car manufacturers require a score of at least 600 to qualify. But with a score that low, you won’t qualify for a special APR or lease offer.
Bank and credit union auto loans
Banks and credit unions can be great for auto loans. Although bank loans can come with higher rates than manufacturer loans, you could get extra discounts or perks if you’re borrowing from your current institution.
Between banks and credit unions, credit union auto loans usually have some of the lowest rates. But you have to be a member to get a loan. Some credit unions (like PenFed) have open membership. Others (like Navy Federal CU) are only available to a select group.
Every bank and credit union sets its own minimum credit requirements. However, credit unions are nonprofit and member-owned. Many have a goal to make credit more accessible to members with lower scores. For those that bank, yours might be willing to work with you even if you have fair credit, as long as you have a positive relationship.
Online auto loans
Online auto loans could be perfect if convenience is your priority. Applying online makes it easier to compare and shop loans, which is almost certainly required to find the best rate. Plus, you won’t have to deal with high-pressure sales tactics (like you might at the dealer).
When it comes to eligibility, many online car loan lenders work with people with all sorts of credit histories. If you have bad credit, for instance, an online lender like Carvana is likely a better option than in-house financing.
Online auto loans have a reputation for having high rates. If you have bad credit, this can be true (but still typically lower than in-house financing). But rates can be surprisingly low if you have strong credit. Take Capital One’s starting APR of 5.59%, which is on par with many brick-and-mortar banks.
In-house financing
As a last resort, you could turn to in-house financing. Also called buy here, pay here, in-house financing means your dealership itself is providing your loan. Although in-house financing may be appealing if you have bad credit, you should explore other options first. In-house loans carry much higher APRs than other types of financing.
In-house financing might also not be an option if you have your heart set on a newer Acura. Cars available at a buy here, pay here lots tend to be older than the model years sold at traditional dealerships.
How we calculated average monthly Acura payments
To calculate average monthly Acura payments, we found estimated starting MSRPs and the fair purchase price for some of Acura’s most popular models.
Then, we subtracted an average down payment from each. According to Edmunds, the average down payment on a new vehicle was $6,619 in Q3 2024. For used vehicles, it was $4,165. The resulting figure represents the total amount our hypothetical borrowers financed.
From there, we used our auto loan calculator to figure out average monthly Acura payments, using average APRs and loan terms as reported by Experian’s State of the Automotive Finance Market Q3 2024. You’ll find this data in the tables below. Please note that loan terms were rounded to the nearest whole number during our calculations.
| Subprime (501-600) | Near prime (601-660) | Prime (661-780) | Superprime (781-850) | |
|---|---|---|---|---|
| Average APR | 13.00% | 9.73% | 6.70% | 5.08% |
| Average loan term | 73.61 months | 74.29 months | 71.22 months | 63.81 months |
| Subprime (501-600) | Near prime (601-660) | Prime (661-780) | Superprime (781-850) | |
|---|---|---|---|---|
| Average APR | 18.95% | 14.07% | 9.63% | 7.41% |
| Average loan term | 66.19 months | 68.05 months | 68.34 months | 65.40 months |
Frequently asked questions
At the time of this writing, Acura is offering 0% APR on its 2024 ZDX. But there’s no guarantee that this special financing offer will still be available down the line.
Acura also allows cosigners. Adding a second person to your loan could make Acura more likely to approve you, but only if that person has good credit. Also, keep in mind that your cosigner has equal access to your vehicle. Missed payments will also impact their credit score.
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