Experian released a report on auto loans today. Here are the high points:

• The average credit score for a new vehicle loan dropped slightly, going from 714 in Q1 2014 to 713 in Q1 2015. The average used vehicle score moved slightly higher, from 641 in Q1 2014 to 643 in Q1 2015.
• The average used vehicle loan was $18,213 in Q4 2015, up from $17,927 in Q4 2014.
• The average interest rate for new vehicles was 4.71 percent in Q1 2015, up from 4.54 percent in Q1 2014. Similarly, the average interest rate for used vehicles increased from 9.01 percent in Q1 2014 to 9.17 percent in Q1 2015.

So interest rates have inched up, along with car prices. Elsewhere in the report, they mention that the length of loans is increasing as well. Some people are even taking out 84 month (!) loans for used cars.

This environment won’t last forever. Rates are at or near historic lows. So if you’re thinking about getting a car, now is a good time to do it–provided you can afford the payments. If you don’t need a car, don’t get one just because.