Auto title loans with no inspection are for one month, but they have a maturity of up to a year, depending on the location. The average car loan interest rate by credit score varies depending on the lender. These loans are financed at 300 percent per year or more. Auto loans for bad credit and instant approval must only be used after careful thought and considering borrowers’ ability to meet the repayment schedule due to the high APRs. For low-interest loans, speak to your bank.