At AutoLoanRate.com we track MyAutoLoan daily. The big story: a clear reset in late October 2025 and steady readings since. As of 01/06/2026 the rates have held flat for months: 36‑month 6.24%, 60‑month 6.64%, 72‑month 6.74%, 84‑month 7.24%.
Between 10/09 and 10/21/2025 those same terms were meaningfully higher (36‑mo ~6.49%, 60‑mo ~6.99%, 72‑mo ~7.14%, 84‑mo ~7.74%). Around 10/22 the curve stepped down and has stayed quiet since — a classic market re‑pricing that favored buyers who timed it right.
Stable APRs mean predictable monthly payments and easier planning. But small differences in APR add up: on a typical new‑car loan the difference between a 6.24% and 6.49% APR can be hundreds over the life of the loan. Knowing the trend helps you decide whether to lock a rate, wait a week, or shop lenders.
Tip: Get preapproved. It gives you bargaining power at the dealer and a clear APR baseline.
Tip: Shorter terms = lower rates and less interest paid overall. If monthly budget allows, prefer 36–60 months.
Tip: A larger down payment or trade‑in lowers your loan amount and can unlock better APRs.
Tip: Improve or check your credit score before applying; even a small bump can change rate tiers.
Tip: If rates fall after you buy, consider refinancing — but compare fees and break‑even time.
Short answer: uncertain, but watch two things. If Fed policy and inflation stay steady, expect range‑bound rates with occasional small moves. If inflation cools or growth slows, lenders may nudge APRs lower. Conversely, strong economic data or renewed Fed tightening would push rates up. Neutral bets: small swings, not big swings — but always prepare for volatility.
We aggregate daily lender APRs so you can compare quickly. Scroll down — we’ve included a lender-by-lender APR table further down the page so you can match MyAutoLoan’s trends against banks and credit unions and pick the best offer for your credit profile.
|
Date |
APR |
|
01/06/2026 |
6.24% |
|
01/05/2026 |
6.24% |
|
01/04/2026 |
6.24% |
|
01/03/2026 |
6.24% |
|
01/02/2026 |
6.24% |
|
01/01/2026 |
6.24% |
|
12/31/2025 |
6.24% |
|
12/30/2025 |
6.24% |
|
12/29/2025 |
6.24% |
|
12/28/2025 |
6.24% |
|
12/27/2025 |
6.24% |
|
12/26/2025 |
6.24% |
|
12/25/2025 |
6.24% |
|
12/24/2025 |
6.24% |
|
12/23/2025 |
6.24% |
|
12/22/2025 |
6.24% |
|
12/21/2025 |
6.24% |
|
12/20/2025 |
6.24% |
|
12/19/2025 |
6.24% |
|
12/18/2025 |
6.24% |
|
12/17/2025 |
6.24% |
|
12/16/2025 |
6.24% |
|
12/15/2025 |
6.24% |
|
12/14/2025 |
6.24% |
|
12/13/2025 |
6.24% |
|
12/12/2025 |
6.24% |
|
12/11/2025 |
6.24% |
|
12/10/2025 |
6.24% |
|
12/09/2025 |
6.24% |
|
12/08/2025 |
6.24% |
|
12/07/2025 |
6.24% |
|
12/06/2025 |
6.24% |
|
12/05/2025 |
6.24% |
|
12/04/2025 |
6.24% |
|
12/03/2025 |
6.24% |
|
12/02/2025 |
6.24% |
|
12/01/2025 |
6.24% |
|
11/30/2025 |
6.24% |
|
11/29/2025 |
6.24% |
|
11/28/2025 |
6.24% |
|
11/27/2025 |
6.24% |
|
11/26/2025 |
6.24% |
|
11/25/2025 |
6.24% |
|
11/24/2025 |
6.24% |
|
11/23/2025 |
6.24% |
|
11/22/2025 |
6.24% |
|
11/21/2025 |
6.24% |
|
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% |
|
Date |
APR |
|
01/06/2026 |
6.64% |
|
01/05/2026 |
6.64% |
|
01/04/2026 |
6.64% |
|
01/03/2026 |
6.64% |
|
01/02/2026 |
6.64% |
|
01/01/2026 |
6.64% |
|
12/31/2025 |
6.64% |
|
12/30/2025 |
6.64% |
|
12/29/2025 |
6.64% |
|
12/28/2025 |
6.64% |
|
12/27/2025 |
6.64% |
|
12/26/2025 |
6.64% |
|
12/25/2025 |
6.64% |
|
12/24/2025 |
6.64% |
|
12/23/2025 |
6.64% |
|
12/22/2025 |
6.64% |
|
12/21/2025 |
6.64% |
|
12/20/2025 |
6.64% |
|
12/19/2025 |
6.64% |
|
12/18/2025 |
6.64% |
|
12/17/2025 |
6.64% |
|
12/16/2025 |
6.64% |
|
12/15/2025 |
6.64% |
|
12/14/2025 |
6.64% |
|
12/13/2025 |
6.64% |
|
12/12/2025 |
6.64% |
|
12/11/2025 |
6.64% |
|
12/10/2025 |
6.64% |
|
12/09/2025 |
6.64% |
|
12/08/2025 |
6.64% |
|
12/07/2025 |
6.64% |
|
12/06/2025 |
6.64% |
|
12/05/2025 |
6.64% |
|
12/04/2025 |
6.64% |
|
12/03/2025 |
6.64% |
|
12/02/2025 |
6.64% |
|
12/01/2025 |
6.64% |
|
11/30/2025 |
6.64% |
|
11/29/2025 |
6.64% |
|
11/28/2025 |
6.64% |
|
11/27/2025 |
6.64% |
|
11/26/2025 |
6.64% |
|
11/25/2025 |
6.64% |
|
11/24/2025 |
6.64% |
|
11/23/2025 |
6.64% |
|
11/22/2025 |
6.64% |
|
11/21/2025 |
6.64% |
|
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% |
|
Date |
APR |
|
01/06/2026 |
6.74% |
|
01/05/2026 |
6.74% |
|
01/04/2026 |
6.74% |
|
01/03/2026 |
6.74% |
|
01/02/2026 |
6.74% |
|
01/01/2026 |
6.74% |
|
12/31/2025 |
6.74% |
|
12/30/2025 |
6.74% |
|
12/29/2025 |
6.74% |
|
12/28/2025 |
6.74% |
|
12/27/2025 |
6.74% |
|
12/26/2025 |
6.74% |
|
12/25/2025 |
6.74% |
|
12/24/2025 |
6.74% |
|
12/23/2025 |
6.74% |
|
12/22/2025 |
6.74% |
|
12/21/2025 |
6.74% |
|
12/20/2025 |
6.74% |
|
12/19/2025 |
6.74% |
|
12/18/2025 |
6.74% |
|
12/17/2025 |
6.74% |
|
12/16/2025 |
6.74% |
|
12/15/2025 |
6.74% |
|
12/14/2025 |
6.74% |
|
12/13/2025 |
6.74% |
|
12/12/2025 |
6.74% |
|
12/11/2025 |
6.74% |
|
12/10/2025 |
6.74% |
|
12/09/2025 |
6.74% |
|
12/08/2025 |
6.74% |
|
12/07/2025 |
6.74% |
|
12/06/2025 |
6.74% |
|
12/05/2025 |
6.74% |
|
12/04/2025 |
6.74% |
|
12/03/2025 |
6.74% |
|
12/02/2025 |
6.74% |
|
12/01/2025 |
6.74% |
|
11/30/2025 |
6.74% |
|
11/29/2025 |
6.74% |
|
11/28/2025 |
6.74% |
|
11/27/2025 |
6.74% |
|
11/26/2025 |
6.74% |
|
11/25/2025 |
6.74% |
|
11/24/2025 |
6.74% |
|
11/23/2025 |
6.74% |
|
11/22/2025 |
6.74% |
|
11/21/2025 |
6.74% |
|
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% |
|
Date |
APR |
|
01/06/2026 |
7.24% |
|
01/05/2026 |
7.24% |
|
01/04/2026 |
7.24% |
|
01/03/2026 |
7.24% |
|
01/02/2026 |
7.24% |
|
01/01/2026 |
7.24% |
|
12/31/2025 |
7.24% |
|
12/30/2025 |
7.24% |
|
12/29/2025 |
7.24% |
|
12/28/2025 |
7.24% |
|
12/27/2025 |
7.24% |
|
12/26/2025 |
7.24% |
|
12/25/2025 |
7.24% |
|
12/24/2025 |
7.24% |
|
12/23/2025 |
7.24% |
|
12/22/2025 |
7.24% |
|
12/21/2025 |
7.24% |
|
12/20/2025 |
7.24% |
|
12/19/2025 |
7.24% |
|
12/18/2025 |
7.24% |
|
12/17/2025 |
7.24% |
|
12/16/2025 |
7.24% |
|
12/15/2025 |
7.24% |
|
12/14/2025 |
7.24% |
|
12/13/2025 |
7.24% |
|
12/12/2025 |
7.24% |
|
12/11/2025 |
7.24% |
|
12/10/2025 |
7.24% |
|
12/09/2025 |
7.24% |
|
12/08/2025 |
7.24% |
|
12/07/2025 |
7.24% |
|
12/06/2025 |
7.24% |
|
12/05/2025 |
7.24% |
|
12/04/2025 |
7.24% |
|
12/03/2025 |
7.24% |
|
12/02/2025 |
7.24% |
|
12/01/2025 |
7.24% |
|
11/30/2025 |
7.24% |
|
11/29/2025 |
7.24% |
|
11/28/2025 |
7.24% |
|
11/27/2025 |
7.24% |
|
11/26/2025 |
7.24% |
|
11/25/2025 |
7.24% |
|
11/24/2025 |
7.24% |
|
11/23/2025 |
7.24% |
|
11/22/2025 |
7.24% |
|
11/21/2025 |
7.24% |
|
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% |