Quick headline: 36- and 60-month rates are at 5.5% today; 72-month is 6.99%; 84-month sits at 7.84%. If you scroll down you’ll see our daily APR table comparing popular banks and lenders — that’s where the numbers above come from.
Shorter terms (36/60 months) moved sharply lower in early April — dropping from the mid‑6% range (6.49%/5.74% respectively on 04/06) to 5.5% by 04/07 and holding there through 04/19. Mid‑term and long‑term loans have been choppier: 72‑month has bounced between about 6.74% and 6.99% over the past two months, while 84‑month jumped from ~7.14% into the high‑7s in mid‑April. In short: short terms improved recently, longer terms nudged higher.
Small APR moves change monthly payments and total interest a lot. For example, a 1% swing on a 5‑year loan can add or save hundreds over the life of the loan. That’s why watching daily rates — and locking when you see a good one — pays off.
January started with higher mid‑6% to low‑7% levels across many terms. February saw some easing (late‑Feb dips), March stabilized, and April became the volatile month: short rates fell, long rates ticked up. That pattern is common when lenders respond unevenly to changing market signals and policy expectations.
Rates tend to follow Fed policy expectations, inflation data and lender competition. If economic data cools and markets price in policy easing later this year, we could see another drop — especially for shorter terms. If inflation surprises to the upside or demand for car loans picks up, long terms might stay elevated or rise further.
1) Shop multiple lenders — our comparison table below makes this easy. 2) Get preapproval to lock a rate and improve negotiating power at the dealer. 3) Improve your quote by boosting down payment or choosing a shorter term. 4) Check your credit and fix errors before applying. 5) Consider refinancing later if rates fall.
Short-term APRs recently improved — a nice window if you prefer 36–60 month loans — while longer terms remain pricier. Use our daily tables to time a lock, compare offers, and choose the term that balances monthly payment with total interest. AutoLoanRate.com is here to help you hunt the best deal.
|
Date |
APR |
|
04/19/2026 |
5.5% |
|
04/18/2026 |
5.5% |
|
04/17/2026 |
5.5% |
|
04/16/2026 |
5.5% |
|
04/15/2026 |
5.5% |
|
04/14/2026 |
5.5% |
|
04/13/2026 |
5.5% |
|
04/12/2026 |
5.5% |
|
04/11/2026 |
5.5% |
|
04/10/2026 |
5.5% |
|
04/09/2026 |
5.5% |
|
04/08/2026 |
5.5% |
|
04/07/2026 |
5.5% |
|
04/06/2026 |
6.49% |
|
04/05/2026 |
6.49% |
|
04/04/2026 |
6.49% |
|
04/03/2026 |
6.49% |
|
04/02/2026 |
6.49% |
|
04/01/2026 |
6.49% |
|
03/31/2026 |
6.49% |
|
03/30/2026 |
6.49% |
|
03/29/2026 |
6.49% |
|
03/28/2026 |
6.49% |
|
03/27/2026 |
6.49% |
|
03/26/2026 |
6.49% |
|
03/25/2026 |
6.49% |
|
03/24/2026 |
6.49% |
|
03/23/2026 |
6.49% |
|
03/22/2026 |
6.49% |
|
03/21/2026 |
6.49% |
|
03/20/2026 |
6.49% |
|
03/19/2026 |
6.49% |
|
03/18/2026 |
6.49% |
|
03/17/2026 |
6.49% |
|
03/16/2026 |
6.49% |
|
03/15/2026 |
6.49% |
|
03/14/2026 |
6.49% |
|
03/13/2026 |
6.49% |
|
03/12/2026 |
6.49% |
|
03/11/2026 |
6.49% |
|
03/10/2026 |
6.49% |
|
03/09/2026 |
6.49% |
|
03/08/2026 |
6.49% |
|
03/07/2026 |
6.49% |
|
03/06/2026 |
6.49% |
|
03/05/2026 |
6.49% |
|
03/04/2026 |
6.49% |
|
03/03/2026 |
6.49% |
|
03/02/2026 |
6.49% |
|
03/01/2026 |
6.49% |
|
02/28/2026 |
6.49% |
|
02/27/2026 |
6.49% |
|
02/26/2026 |
6.49% |
|
02/25/2026 |
6.49% |
|
02/24/2026 |
6.49% |
|
02/23/2026 |
5.98% |
|
02/22/2026 |
5.98% |
|
02/21/2026 |
5.98% |
|
02/20/2026 |
5.98% |
|
02/19/2026 |
5.98% |
|
02/18/2026 |
5.98% |
|
02/17/2026 |
5.98% |
|
02/16/2026 |
5.98% |
|
02/15/2026 |
5.98% |
|
02/14/2026 |
5.98% |
|
02/13/2026 |
5.98% |
|
02/12/2026 |
5.98% |
|
02/11/2026 |
5.98% |
|
02/10/2026 |
5.98% |
|
02/09/2026 |
5.98% |
|
02/08/2026 |
5.98% |
|
02/07/2026 |
5.98% |
|
02/06/2026 |
5.98% |
|
02/05/2026 |
5.98% |
|
02/04/2026 |
5.98% |
|
02/03/2026 |
5.98% |
|
02/02/2026 |
5.98% |
|
02/01/2026 |
5.98% |
|
01/31/2026 |
5.98% |
|
01/30/2026 |
5.98% |
|
01/29/2026 |
5.98% |
|
01/28/2026 |
5.98% |
|
01/27/2026 |
5.98% |
|
01/26/2026 |
6.24% |
|
01/25/2026 |
6.24% |
|
01/24/2026 |
6.24% |
|
01/23/2026 |
6.24% |
|
01/22/2026 |
6.24% |
|
01/21/2026 |
6.24% |
|
01/20/2026 |
6.24% |
|
Date |
APR |
|
04/19/2026 |
5.5% |
|
04/18/2026 |
5.5% |
|
04/17/2026 |
5.5% |
|
04/16/2026 |
5.5% |
|
04/15/2026 |
5.5% |
|
04/14/2026 |
5.5% |
|
04/13/2026 |
5.5% |
|
04/12/2026 |
5.5% |
|
04/11/2026 |
5.5% |
|
04/10/2026 |
5.5% |
|
04/09/2026 |
5.5% |
|
04/08/2026 |
5.5% |
|
04/07/2026 |
5.5% |
|
04/06/2026 |
5.74% |
|
04/05/2026 |
5.74% |
|
04/04/2026 |
5.74% |
|
04/03/2026 |
5.74% |
|
04/02/2026 |
5.74% |
|
04/01/2026 |
5.74% |
|
03/31/2026 |
5.74% |
|
03/30/2026 |
5.74% |
|
03/29/2026 |
5.74% |
|
03/28/2026 |
5.74% |
|
03/27/2026 |
5.74% |
|
03/26/2026 |
5.74% |
|
03/25/2026 |
5.74% |
|
03/24/2026 |
5.74% |
|
03/23/2026 |
5.74% |
|
03/22/2026 |
5.74% |
|
03/21/2026 |
5.74% |
|
03/20/2026 |
5.74% |
|
03/19/2026 |
5.74% |
|
03/18/2026 |
5.74% |
|
03/17/2026 |
5.74% |
|
03/16/2026 |
5.74% |
|
03/15/2026 |
5.74% |
|
03/14/2026 |
5.74% |
|
03/13/2026 |
5.74% |
|
03/12/2026 |
5.74% |
|
03/11/2026 |
5.74% |
|
03/10/2026 |
5.74% |
|
03/09/2026 |
5.74% |
|
03/08/2026 |
5.74% |
|
03/07/2026 |
5.74% |
|
03/06/2026 |
5.74% |
|
03/05/2026 |
5.74% |
|
03/04/2026 |
5.74% |
|
03/03/2026 |
5.74% |
|
03/02/2026 |
5.74% |
|
03/01/2026 |
5.74% |
|
02/28/2026 |
5.74% |
|
02/27/2026 |
5.74% |
|
02/26/2026 |
5.74% |
|
02/25/2026 |
5.74% |
|
02/24/2026 |
5.74% |
|
02/23/2026 |
6.46% |
|
02/22/2026 |
6.46% |
|
02/21/2026 |
6.46% |
|
02/20/2026 |
6.46% |
|
02/19/2026 |
6.46% |
|
02/18/2026 |
6.46% |
|
02/17/2026 |
6.46% |
|
02/16/2026 |
6.46% |
|
02/15/2026 |
6.46% |
|
02/14/2026 |
6.46% |
|
02/13/2026 |
6.46% |
|
02/12/2026 |
6.46% |
|
02/11/2026 |
6.46% |
|
02/10/2026 |
6.46% |
|
02/09/2026 |
6.46% |
|
02/08/2026 |
6.46% |
|
02/07/2026 |
6.46% |
|
02/06/2026 |
6.46% |
|
02/05/2026 |
6.46% |
|
02/04/2026 |
6.46% |
|
02/03/2026 |
6.46% |
|
02/02/2026 |
6.46% |
|
02/01/2026 |
6.46% |
|
01/31/2026 |
6.46% |
|
01/30/2026 |
6.46% |
|
01/29/2026 |
6.46% |
|
01/28/2026 |
6.46% |
|
01/27/2026 |
6.46% |
|
01/26/2026 |
6.64% |
|
01/25/2026 |
6.64% |
|
01/24/2026 |
6.64% |
|
01/23/2026 |
6.64% |
|
01/22/2026 |
6.64% |
|
01/21/2026 |
6.64% |
|
01/20/2026 |
6.64% |
|
Date |
APR |
|
04/19/2026 |
6.99% |
|
04/18/2026 |
6.99% |
|
04/17/2026 |
6.99% |
|
04/16/2026 |
6.99% |
|
04/15/2026 |
6.99% |
|
04/14/2026 |
6.99% |
|
04/13/2026 |
6.99% |
|
04/12/2026 |
6.99% |
|
04/11/2026 |
6.99% |
|
04/10/2026 |
6.99% |
|
04/09/2026 |
6.99% |
|
04/08/2026 |
6.99% |
|
04/07/2026 |
6.99% |
|
04/06/2026 |
6.99% |
|
04/05/2026 |
6.99% |
|
04/04/2026 |
6.99% |
|
04/03/2026 |
6.99% |
|
04/02/2026 |
6.99% |
|
04/01/2026 |
6.99% |
|
03/31/2026 |
6.99% |
|
03/30/2026 |
6.99% |
|
03/29/2026 |
6.99% |
|
03/28/2026 |
6.99% |
|
03/27/2026 |
6.99% |
|
03/26/2026 |
6.99% |
|
03/25/2026 |
6.99% |
|
03/24/2026 |
6.99% |
|
03/23/2026 |
6.99% |
|
03/22/2026 |
6.99% |
|
03/21/2026 |
6.99% |
|
03/20/2026 |
6.99% |
|
03/19/2026 |
6.99% |
|
03/18/2026 |
6.99% |
|
03/17/2026 |
6.99% |
|
03/16/2026 |
6.99% |
|
03/15/2026 |
6.99% |
|
03/14/2026 |
6.99% |
|
03/13/2026 |
6.99% |
|
03/12/2026 |
6.99% |
|
03/11/2026 |
6.99% |
|
03/10/2026 |
6.99% |
|
03/09/2026 |
6.99% |
|
03/08/2026 |
6.99% |
|
03/07/2026 |
6.99% |
|
03/06/2026 |
6.99% |
|
03/05/2026 |
6.99% |
|
03/04/2026 |
6.99% |
|
03/03/2026 |
6.99% |
|
03/02/2026 |
6.99% |
|
03/01/2026 |
6.99% |
|
02/28/2026 |
6.99% |
|
02/27/2026 |
6.99% |
|
02/26/2026 |
6.99% |
|
02/25/2026 |
6.99% |
|
02/24/2026 |
6.99% |
|
02/23/2026 |
6.74% |
|
02/22/2026 |
6.74% |
|
02/21/2026 |
6.74% |
|
02/20/2026 |
6.74% |
|
02/19/2026 |
6.74% |
|
02/18/2026 |
6.74% |
|
02/17/2026 |
6.74% |
|
02/16/2026 |
6.74% |
|
02/15/2026 |
6.74% |
|
02/14/2026 |
6.74% |
|
02/13/2026 |
6.74% |
|
02/12/2026 |
6.74% |
|
02/11/2026 |
6.74% |
|
02/10/2026 |
6.74% |
|
02/09/2026 |
6.74% |
|
02/08/2026 |
6.74% |
|
02/07/2026 |
6.74% |
|
02/06/2026 |
6.74% |
|
02/05/2026 |
6.74% |
|
02/04/2026 |
6.74% |
|
02/03/2026 |
6.74% |
|
02/02/2026 |
6.74% |
|
02/01/2026 |
6.74% |
|
01/31/2026 |
6.74% |
|
01/30/2026 |
6.74% |
|
01/29/2026 |
6.74% |
|
01/28/2026 |
6.74% |
|
01/27/2026 |
6.74% |
|
01/26/2026 |
6.74% |
|
01/25/2026 |
6.74% |
|
01/24/2026 |
6.74% |
|
01/23/2026 |
6.74% |
|
01/22/2026 |
6.74% |
|
01/21/2026 |
6.74% |
|
01/20/2026 |
6.74% |
|
Date |
APR |
|
04/19/2026 |
7.84% |
|
04/18/2026 |
7.84% |
|
04/17/2026 |
7.84% |
|
04/16/2026 |
7.84% |
|
04/15/2026 |
7.84% |
|
04/14/2026 |
7.84% |
|
04/13/2026 |
7.84% |
|
04/12/2026 |
7.84% |
|
04/11/2026 |
7.84% |
|
04/10/2026 |
7.84% |
|
04/09/2026 |
7.84% |
|
04/08/2026 |
7.84% |
|
04/07/2026 |
7.84% |
|
04/06/2026 |
7.14% |
|
04/05/2026 |
7.14% |
|
04/04/2026 |
7.14% |
|
04/03/2026 |
7.14% |
|
04/02/2026 |
7.14% |
|
04/01/2026 |
7.14% |
|
03/31/2026 |
7.14% |
|
03/30/2026 |
7.14% |
|
03/29/2026 |
7.14% |
|
03/28/2026 |
7.14% |
|
03/27/2026 |
7.14% |
|
03/26/2026 |
7.14% |
|
03/25/2026 |
7.14% |
|
03/24/2026 |
7.14% |
|
03/23/2026 |
7.14% |
|
03/22/2026 |
7.14% |
|
03/21/2026 |
7.14% |
|
03/20/2026 |
7.14% |
|
03/19/2026 |
7.14% |
|
03/18/2026 |
7.14% |
|
03/17/2026 |
7.14% |
|
03/16/2026 |
7.14% |
|
03/15/2026 |
7.14% |
|
03/14/2026 |
7.14% |
|
03/13/2026 |
7.14% |
|
03/12/2026 |
7.14% |
|
03/11/2026 |
7.14% |
|
03/10/2026 |
7.14% |
|
03/09/2026 |
7.14% |
|
03/08/2026 |
7.14% |
|
03/07/2026 |
7.14% |
|
03/06/2026 |
7.14% |
|
03/05/2026 |
7.14% |
|
03/04/2026 |
7.14% |
|
03/03/2026 |
7.14% |
|
03/02/2026 |
7.14% |
|
03/01/2026 |
7.14% |
|
02/28/2026 |
7.14% |
|
02/27/2026 |
7.14% |
|
02/26/2026 |
7.14% |
|
02/25/2026 |
7.14% |
|
02/24/2026 |
7.14% |
|
02/23/2026 |
7.24% |
|
02/22/2026 |
7.24% |
|
02/21/2026 |
7.24% |
|
02/20/2026 |
7.24% |
|
02/19/2026 |
7.24% |
|
02/18/2026 |
7.24% |
|
02/17/2026 |
7.24% |
|
02/16/2026 |
7.24% |
|
02/15/2026 |
7.24% |
|
02/14/2026 |
7.24% |
|
02/13/2026 |
7.24% |
|
02/12/2026 |
7.24% |
|
02/11/2026 |
7.24% |
|
02/10/2026 |
7.24% |
|
02/09/2026 |
7.24% |
|
02/08/2026 |
7.24% |
|
02/07/2026 |
7.24% |
|
02/06/2026 |
7.24% |
|
02/05/2026 |
7.24% |
|
02/04/2026 |
7.24% |
|
02/03/2026 |
7.24% |
|
02/02/2026 |
7.24% |
|
02/01/2026 |
7.24% |
|
01/31/2026 |
7.24% |
|
01/30/2026 |
7.24% |
|
01/29/2026 |
7.24% |
|
01/28/2026 |
7.24% |
|
01/27/2026 |
7.24% |
|
01/26/2026 |
7.24% |
|
01/25/2026 |
7.24% |
|
01/24/2026 |
7.24% |
|
01/23/2026 |
7.24% |
|
01/22/2026 |
7.24% |
|
01/21/2026 |
7.24% |
|
01/20/2026 |
7.24% |