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I have found the national interest rates for auto loans, how do I calculate the rates for poor or good credit?

I am trying to help a friend. I do not want to be nosey and ask her what her credit rating is, excellent, good, poor, but I was wondering if there is a certain amount of percentage points that are suppose be added to the national auto loan rates that I found online. I beleive the national auto loan rates is based on good-excellent credit rating, right?
Thanks for your help. It is greatly appreciated.


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