DriveTime offers interest rates as low as 5.9%, on approved credit. Maximum interest rates are determined by each state’s usury limit laws (maximum allowable interest rate by law). One thing that is different with DriveTime is that you work directly with the Sales Manager to build your loan. This way, you will be able to find the right vehicle, down payment and term to get the rate you are looking for. To find your approval amount, start your approval online or browse our expansive inventory.