Across common terms rates are currently: 36‑month 6.24%, 60‑month 6.64%, 72‑month 6.74%, 84‑month 7.24%. After mid‑October moves these figures have been surprisingly steady through November, offering a clearer picture for buyers weighing monthly payment vs. total interest.
Through late summer and early October longer terms sat noticeably higher (mid‑7s to high‑7s depending on term). October brought a couple of step‑downs, with most terms dropping around Oct. 21–22 and then holding flat. In short: we moved from a volatile, higher plateau into a calmer, lower band over the past month.
Lower APRs on shorter and mid terms means you can shave significant interest off the life of the loan by choosing a 36–60 month term if your budget allows. If you were waiting for rates to “go back down,” the recent step‑down and stability make now a reasonable time to compare offers — especially if you can get preapproval.
1) Shop multiple lenders — rates vary by bank, credit union and dealer. 2) Get preapproved so you know your real offer at the lot. 3) Improve the variables lenders care about: boost credit score, increase down payment, shorten the term. 4) Read the total interest cost, not just the monthly payment. 5) Consider manufacturer incentives or short promotional financing if available.
We’re in a wait‑and‑watch phase: if broader interest rates drift lower, auto APRs often follow; if macro data or policy surprises push rates up, lenders can tighten again. Given the current two‑step easing and the recent flatness, modest downward moves are possible but not guaranteed — don’t rely on big swings.
Use the comparison table below to match lenders, lock a rate if you’re buying soon, or set alerts and check back with AutoLoanRate.com. Small differences in APR translate to real dollars over the loan — a few minutes of shopping can save hundreds.
|
Date |
APR |
|
11/20/2025 |
6.24% |
|
11/19/2025 |
6.24% |
|
11/18/2025 |
6.24% |
|
11/17/2025 |
6.24% |
|
11/16/2025 |
6.24% |
|
11/15/2025 |
6.24% |
|
11/14/2025 |
6.24% |
|
11/13/2025 |
6.24% |
|
11/12/2025 |
6.24% |
|
11/11/2025 |
6.24% |
|
11/10/2025 |
6.24% |
|
11/09/2025 |
6.24% |
|
11/08/2025 |
6.24% |
|
11/07/2025 |
6.24% |
|
11/06/2025 |
6.24% |
|
11/05/2025 |
6.24% |
|
11/04/2025 |
6.24% |
|
11/03/2025 |
6.24% |
|
11/02/2025 |
6.24% |
|
11/01/2025 |
6.24% |
|
10/31/2025 |
6.24% |
|
10/30/2025 |
6.24% |
|
10/29/2025 |
6.24% |
|
10/28/2025 |
6.24% |
|
10/27/2025 |
6.24% |
|
10/26/2025 |
6.24% |
|
10/25/2025 |
6.24% |
|
10/24/2025 |
6.24% |
|
10/23/2025 |
6.24% |
|
10/22/2025 |
6.24% |
|
10/21/2025 |
6.49% |
|
10/20/2025 |
6.49% |
|
10/19/2025 |
6.49% |
|
10/18/2025 |
6.49% |
|
10/17/2025 |
6.49% |
|
10/16/2025 |
6.49% |
|
10/15/2025 |
6.49% |
|
10/14/2025 |
6.49% |
|
10/13/2025 |
6.49% |
|
10/12/2025 |
6.49% |
|
10/11/2025 |
6.49% |
|
10/10/2025 |
6.49% |
|
10/09/2025 |
6.49% |
|
10/08/2025 |
6.49% |
|
10/07/2025 |
6.49% |
|
10/06/2025 |
6.49% |
|
10/05/2025 |
6.49% |
|
10/04/2025 |
6.49% |
|
10/03/2025 |
6.49% |
|
10/02/2025 |
6.49% |
|
10/01/2025 |
6.49% |
|
09/30/2025 |
6.49% |
|
09/29/2025 |
6.49% |
|
09/28/2025 |
6.49% |
|
09/27/2025 |
6.49% |
|
09/26/2025 |
6.49% |
|
09/25/2025 |
6.49% |
|
09/24/2025 |
6.49% |
|
09/23/2025 |
6.49% |
|
09/22/2025 |
6.49% |
|
09/21/2025 |
6.49% |
|
09/20/2025 |
6.49% |
|
09/19/2025 |
6.49% |
|
09/18/2025 |
6.49% |
|
09/17/2025 |
6.49% |
|
09/16/2025 |
6.49% |
|
09/15/2025 |
6.49% |
|
09/14/2025 |
6.49% |
|
09/13/2025 |
6.49% |
|
09/12/2025 |
6.49% |
|
09/11/2025 |
6.49% |
|
09/10/2025 |
6.49% |
|
09/09/2025 |
6.49% |
|
09/08/2025 |
6.49% |
|
09/07/2025 |
6.49% |
|
09/06/2025 |
6.49% |
|
09/05/2025 |
6.49% |
|
09/04/2025 |
6.49% |
|
09/03/2025 |
6.49% |
|
09/02/2025 |
6.49% |
|
09/01/2025 |
6.49% |
|
08/31/2025 |
6.49% |
|
08/30/2025 |
6.49% |
|
08/29/2025 |
6.49% |
|
08/28/2025 |
6.49% |
|
08/27/2025 |
6.49% |
|
08/26/2025 |
6.49% |
|
08/25/2025 |
6.49% |
|
08/24/2025 |
6.49% |
|
08/23/2025 |
6.49% |
|
Date |
APR |
|
11/20/2025 |
6.64% |
|
11/19/2025 |
6.64% |
|
11/18/2025 |
6.64% |
|
11/17/2025 |
6.64% |
|
11/16/2025 |
6.64% |
|
11/15/2025 |
6.64% |
|
11/14/2025 |
6.64% |
|
11/13/2025 |
6.64% |
|
11/12/2025 |
6.64% |
|
11/11/2025 |
6.64% |
|
11/10/2025 |
6.64% |
|
11/09/2025 |
6.64% |
|
11/08/2025 |
6.64% |
|
11/07/2025 |
6.64% |
|
11/06/2025 |
6.64% |
|
11/05/2025 |
6.64% |
|
11/04/2025 |
6.64% |
|
11/03/2025 |
6.64% |
|
11/02/2025 |
6.64% |
|
11/01/2025 |
6.64% |
|
10/31/2025 |
6.64% |
|
10/30/2025 |
6.64% |
|
10/29/2025 |
6.64% |
|
10/28/2025 |
6.64% |
|
10/27/2025 |
6.64% |
|
10/26/2025 |
6.64% |
|
10/25/2025 |
6.64% |
|
10/24/2025 |
6.64% |
|
10/23/2025 |
6.64% |
|
10/22/2025 |
6.64% |
|
10/21/2025 |
6.99% |
|
10/20/2025 |
6.99% |
|
10/19/2025 |
6.99% |
|
10/18/2025 |
6.99% |
|
10/17/2025 |
6.99% |
|
10/16/2025 |
6.99% |
|
10/15/2025 |
6.99% |
|
10/14/2025 |
6.99% |
|
10/13/2025 |
6.99% |
|
10/12/2025 |
6.99% |
|
10/11/2025 |
6.99% |
|
10/10/2025 |
6.99% |
|
10/09/2025 |
6.99% |
|
10/08/2025 |
6.99% |
|
10/07/2025 |
7.24% |
|
10/06/2025 |
7.24% |
|
10/05/2025 |
7.24% |
|
10/04/2025 |
7.24% |
|
10/03/2025 |
7.24% |
|
10/02/2025 |
7.24% |
|
10/01/2025 |
7.24% |
|
09/30/2025 |
7.24% |
|
09/29/2025 |
7.24% |
|
09/28/2025 |
7.24% |
|
09/27/2025 |
7.24% |
|
09/26/2025 |
7.24% |
|
09/25/2025 |
7.24% |
|
09/24/2025 |
7.24% |
|
09/23/2025 |
7.24% |
|
09/22/2025 |
7.24% |
|
09/21/2025 |
7.24% |
|
09/20/2025 |
7.24% |
|
09/19/2025 |
7.24% |
|
09/18/2025 |
7.24% |
|
09/17/2025 |
7.24% |
|
09/16/2025 |
7.24% |
|
09/15/2025 |
7.24% |
|
09/14/2025 |
7.24% |
|
09/13/2025 |
7.24% |
|
09/12/2025 |
7.24% |
|
09/11/2025 |
7.24% |
|
09/10/2025 |
7.24% |
|
09/09/2025 |
7.24% |
|
09/08/2025 |
7.24% |
|
09/07/2025 |
7.24% |
|
09/06/2025 |
7.24% |
|
09/05/2025 |
7.24% |
|
09/04/2025 |
7.24% |
|
09/03/2025 |
7.24% |
|
09/02/2025 |
7.24% |
|
09/01/2025 |
7.24% |
|
08/31/2025 |
7.24% |
|
08/30/2025 |
7.24% |
|
08/29/2025 |
7.24% |
|
08/28/2025 |
7.24% |
|
08/27/2025 |
7.24% |
|
08/26/2025 |
7.24% |
|
08/25/2025 |
7.24% |
|
08/24/2025 |
7.24% |
|
08/23/2025 |
7.24% |
|
Date |
APR |
|
11/20/2025 |
6.74% |
|
11/19/2025 |
6.74% |
|
11/18/2025 |
6.74% |
|
11/17/2025 |
6.74% |
|
11/16/2025 |
6.74% |
|
11/15/2025 |
6.74% |
|
11/14/2025 |
6.74% |
|
11/13/2025 |
6.74% |
|
11/12/2025 |
6.74% |
|
11/11/2025 |
6.74% |
|
11/10/2025 |
6.74% |
|
11/09/2025 |
6.74% |
|
11/08/2025 |
6.74% |
|
11/07/2025 |
6.74% |
|
11/06/2025 |
6.74% |
|
11/05/2025 |
6.74% |
|
11/04/2025 |
6.74% |
|
11/03/2025 |
6.74% |
|
11/02/2025 |
6.74% |
|
11/01/2025 |
6.74% |
|
10/31/2025 |
6.74% |
|
10/30/2025 |
6.74% |
|
10/29/2025 |
6.74% |
|
10/28/2025 |
6.74% |
|
10/27/2025 |
6.74% |
|
10/26/2025 |
6.74% |
|
10/25/2025 |
6.74% |
|
10/24/2025 |
6.74% |
|
10/23/2025 |
6.74% |
|
10/22/2025 |
6.74% |
|
10/21/2025 |
7.14% |
|
10/20/2025 |
7.14% |
|
10/19/2025 |
7.14% |
|
10/18/2025 |
7.14% |
|
10/17/2025 |
7.14% |
|
10/16/2025 |
7.14% |
|
10/15/2025 |
7.14% |
|
10/14/2025 |
7.14% |
|
10/13/2025 |
7.14% |
|
10/12/2025 |
7.14% |
|
10/11/2025 |
7.14% |
|
10/10/2025 |
7.14% |
|
10/09/2025 |
7.14% |
|
10/08/2025 |
7.14% |
|
10/07/2025 |
7.39% |
|
10/06/2025 |
7.39% |
|
10/05/2025 |
7.39% |
|
10/04/2025 |
7.39% |
|
10/03/2025 |
7.39% |
|
10/02/2025 |
7.39% |
|
10/01/2025 |
7.39% |
|
09/30/2025 |
7.39% |
|
09/29/2025 |
7.39% |
|
09/28/2025 |
7.39% |
|
09/27/2025 |
7.39% |
|
09/26/2025 |
7.39% |
|
09/25/2025 |
7.39% |
|
09/24/2025 |
7.39% |
|
09/23/2025 |
7.39% |
|
09/22/2025 |
7.39% |
|
09/21/2025 |
7.39% |
|
09/20/2025 |
7.39% |
|
09/19/2025 |
7.39% |
|
09/18/2025 |
7.39% |
|
09/17/2025 |
7.39% |
|
09/16/2025 |
7.39% |
|
09/15/2025 |
7.39% |
|
09/14/2025 |
7.39% |
|
09/13/2025 |
7.39% |
|
09/12/2025 |
7.39% |
|
09/11/2025 |
7.39% |
|
09/10/2025 |
7.39% |
|
09/09/2025 |
7.39% |
|
09/08/2025 |
7.39% |
|
09/07/2025 |
7.39% |
|
09/06/2025 |
7.39% |
|
09/05/2025 |
7.39% |
|
09/04/2025 |
7.39% |
|
09/03/2025 |
7.39% |
|
09/02/2025 |
7.39% |
|
09/01/2025 |
7.39% |
|
08/31/2025 |
7.39% |
|
08/30/2025 |
7.39% |
|
08/29/2025 |
7.39% |
|
08/28/2025 |
7.39% |
|
08/27/2025 |
7.39% |
|
08/26/2025 |
7.39% |
|
08/25/2025 |
7.39% |
|
08/24/2025 |
7.39% |
|
08/23/2025 |
7.39% |
|
Date |
APR |
|
11/20/2025 |
7.24% |
|
11/19/2025 |
7.24% |
|
11/18/2025 |
7.24% |
|
11/17/2025 |
7.24% |
|
11/16/2025 |
7.24% |
|
11/15/2025 |
7.24% |
|
11/14/2025 |
7.24% |
|
11/13/2025 |
7.24% |
|
11/12/2025 |
7.24% |
|
11/11/2025 |
7.24% |
|
11/10/2025 |
7.24% |
|
11/09/2025 |
7.24% |
|
11/08/2025 |
7.24% |
|
11/07/2025 |
7.24% |
|
11/06/2025 |
7.24% |
|
11/05/2025 |
7.24% |
|
11/04/2025 |
7.24% |
|
11/03/2025 |
7.24% |
|
11/02/2025 |
7.24% |
|
11/01/2025 |
7.24% |
|
10/31/2025 |
7.24% |
|
10/30/2025 |
7.24% |
|
10/29/2025 |
7.24% |
|
10/28/2025 |
7.24% |
|
10/27/2025 |
7.24% |
|
10/26/2025 |
7.24% |
|
10/25/2025 |
7.24% |
|
10/24/2025 |
7.24% |
|
10/23/2025 |
7.24% |
|
10/22/2025 |
7.24% |
|
10/21/2025 |
7.74% |
|
10/20/2025 |
7.74% |
|
10/19/2025 |
7.74% |
|
10/18/2025 |
7.74% |
|
10/17/2025 |
7.74% |
|
10/16/2025 |
7.74% |
|
10/15/2025 |
7.74% |
|
10/14/2025 |
7.74% |
|
10/13/2025 |
7.74% |
|
10/12/2025 |
7.74% |
|
10/11/2025 |
7.74% |
|
10/10/2025 |
7.74% |
|
10/09/2025 |
7.74% |
|
10/08/2025 |
7.74% |
|
10/07/2025 |
7.99% |
|
10/06/2025 |
7.99% |
|
10/05/2025 |
7.99% |
|
10/04/2025 |
7.99% |
|
10/03/2025 |
7.99% |
|
10/02/2025 |
7.99% |
|
10/01/2025 |
7.99% |
|
09/30/2025 |
7.99% |
|
09/29/2025 |
7.99% |
|
09/28/2025 |
7.99% |
|
09/27/2025 |
7.99% |
|
09/26/2025 |
7.99% |
|
09/25/2025 |
7.99% |
|
09/24/2025 |
7.99% |
|
09/23/2025 |
7.99% |
|
09/22/2025 |
7.99% |
|
09/21/2025 |
7.99% |
|
09/20/2025 |
7.99% |
|
09/19/2025 |
7.99% |
|
09/18/2025 |
7.99% |
|
09/17/2025 |
7.99% |
|
09/16/2025 |
7.99% |
|
09/15/2025 |
7.99% |
|
09/14/2025 |
7.99% |
|
09/13/2025 |
7.99% |
|
09/12/2025 |
7.99% |
|
09/11/2025 |
7.99% |
|
09/10/2025 |
7.99% |
|
09/09/2025 |
7.99% |
|
09/08/2025 |
7.99% |
|
09/07/2025 |
7.99% |
|
09/06/2025 |
7.99% |
|
09/05/2025 |
7.99% |
|
09/04/2025 |
7.99% |
|
09/03/2025 |
7.99% |
|
09/02/2025 |
7.99% |
|
09/01/2025 |
7.99% |
|
08/31/2025 |
7.99% |
|
08/30/2025 |
7.99% |
|
08/29/2025 |
7.99% |
|
08/28/2025 |
7.99% |
|
08/27/2025 |
7.99% |
|
08/26/2025 |
7.99% |
|
08/25/2025 |
7.99% |
|
08/24/2025 |
7.99% |
|
08/23/2025 |
7.99% |