how are car loan interest rates calculated?

[jj15]

I've noticed the interest rates for car loans have gone up from last year to this year. How are they calculated? Does it vary from state to state?

[CreditDrama85]

i dont know about the set numbers and what/if any has been changed BUT clearly all rates (home/auto) are up because of the credit crunch and declining profit of the economy.

individual interest rates are determined by

-fico score/and auto enhanced fico score

-debt to income

-dealer reccomendation/ or dealer kickback