Short version: 36‑month loans are sitting tight at 6.49% (steady for months). Longer terms recently eased by about 0.25 percentage points — 60‑month fell from ~7.24% to 6.99%, 72‑month from ~7.39% to 7.14%, and 84‑month from ~7.99% to 7.74% starting around October 8, 2025. That’s a meaningful move if you’re financing a new ride.
Historically the shortest term (36) has been the most stable and lowest APR for new cars. Mid and long terms ran higher through the summer, then dropped by roughly a quarter point in early October and have stayed lower since. Think: short loans = lower APRs and less interest overall; long loans = higher APRs but smaller monthly payments.
Small APR shifts change real dollars over the life of a loan. On a $35k loan, a quarter‑point can save a few hundred dollars or more depending on term length. If you care about total interest paid, a shorter term still wins. If monthly cash flow is king, longer terms help—but cost more over time.
Check and boost your credit score before you apply, get pre‑approved from multiple lenders (use the table below to compare daily APRs), put more down when you can, and aim for a 36‑ or 60‑month term if your budget allows. If rates dip after you buy, refinance — it’s often worth running the numbers.
Watch Fed moves and Treasury yields. If the Fed signals easing or markets calm, expect gradual downward pressure; if inflation flares or policy tightens, rates could rebound. Short term: mild volatility. Long term: opportunities to refinance if the market softens.
If you’re buying now, shop around, prioritize pre‑approval, and weigh monthly payment vs total cost. The recent ~0.25% drop on longer terms is welcome — but the smartest move is comparing offers and choosing the loan that fits your wallet and plans.
|
Date |
APR |
|
10/22/2025 |
6.49% |
|
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% |
|
08/22/2025 |
6.49% |
|
08/21/2025 |
6.49% |
|
08/20/2025 |
6.49% |
|
08/19/2025 |
6.49% |
|
08/18/2025 |
6.49% |
|
08/17/2025 |
6.49% |
|
08/16/2025 |
6.49% |
|
08/15/2025 |
6.49% |
|
08/14/2025 |
6.49% |
|
08/13/2025 |
6.49% |
|
08/12/2025 |
6.49% |
|
08/11/2025 |
6.49% |
|
08/10/2025 |
6.49% |
|
08/09/2025 |
6.49% |
|
08/08/2025 |
6.49% |
|
08/07/2025 |
6.49% |
|
08/06/2025 |
6.49% |
|
08/05/2025 |
6.49% |
|
08/04/2025 |
6.49% |
|
08/03/2025 |
6.49% |
|
08/02/2025 |
6.49% |
|
08/01/2025 |
6.49% |
|
07/31/2025 |
6.49% |
|
07/30/2025 |
6.49% |
|
07/29/2025 |
6.49% |
|
07/28/2025 |
6.49% |
|
07/27/2025 |
6.49% |
|
07/26/2025 |
6.49% |
|
07/25/2025 |
6.49% |
|
Date |
APR |
|
10/22/2025 |
6.99% |
|
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% |
|
08/22/2025 |
7.24% |
|
08/21/2025 |
7.24% |
|
08/20/2025 |
7.24% |
|
08/19/2025 |
7.24% |
|
08/18/2025 |
7.24% |
|
08/17/2025 |
7.24% |
|
08/16/2025 |
7.24% |
|
08/15/2025 |
7.24% |
|
08/14/2025 |
7.24% |
|
08/13/2025 |
7.24% |
|
08/12/2025 |
7.24% |
|
08/11/2025 |
7.24% |
|
08/10/2025 |
7.24% |
|
08/09/2025 |
7.24% |
|
08/08/2025 |
7.24% |
|
08/07/2025 |
7.24% |
|
08/06/2025 |
7.24% |
|
08/05/2025 |
7.24% |
|
08/04/2025 |
7.24% |
|
08/03/2025 |
7.24% |
|
08/02/2025 |
7.24% |
|
08/01/2025 |
7.24% |
|
07/31/2025 |
7.24% |
|
07/30/2025 |
7.24% |
|
07/29/2025 |
7.24% |
|
07/28/2025 |
7.24% |
|
07/27/2025 |
7.24% |
|
07/26/2025 |
7.24% |
|
07/25/2025 |
7.24% |
|
Date |
APR |
|
10/22/2025 |
7.14% |
|
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% |
|
08/22/2025 |
7.39% |
|
08/21/2025 |
7.39% |
|
08/20/2025 |
7.39% |
|
08/19/2025 |
7.39% |
|
08/18/2025 |
7.39% |
|
08/17/2025 |
7.39% |
|
08/16/2025 |
7.39% |
|
08/15/2025 |
7.39% |
|
08/14/2025 |
7.39% |
|
08/13/2025 |
7.39% |
|
08/12/2025 |
7.39% |
|
08/11/2025 |
7.39% |
|
08/10/2025 |
7.39% |
|
08/09/2025 |
7.39% |
|
08/08/2025 |
7.39% |
|
08/07/2025 |
7.39% |
|
08/06/2025 |
7.39% |
|
08/05/2025 |
7.39% |
|
08/04/2025 |
7.39% |
|
08/03/2025 |
7.39% |
|
08/02/2025 |
7.39% |
|
08/01/2025 |
7.39% |
|
07/31/2025 |
7.39% |
|
07/30/2025 |
7.39% |
|
07/29/2025 |
7.39% |
|
07/28/2025 |
7.39% |
|
07/27/2025 |
7.39% |
|
07/26/2025 |
7.39% |
|
07/25/2025 |
7.39% |
|
Date |
APR |
|
10/22/2025 |
7.74% |
|
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% |
|
08/22/2025 |
7.99% |
|
08/21/2025 |
7.99% |
|
08/20/2025 |
7.99% |
|
08/19/2025 |
7.99% |
|
08/18/2025 |
7.99% |
|
08/17/2025 |
7.99% |
|
08/16/2025 |
7.99% |
|
08/15/2025 |
7.99% |
|
08/14/2025 |
7.99% |
|
08/13/2025 |
7.99% |
|
08/12/2025 |
7.99% |
|
08/11/2025 |
7.99% |
|
08/10/2025 |
7.99% |
|
08/09/2025 |
7.99% |
|
08/08/2025 |
7.99% |
|
08/07/2025 |
7.99% |
|
08/06/2025 |
7.99% |
|
08/05/2025 |
7.99% |
|
08/04/2025 |
7.99% |
|
08/03/2025 |
7.99% |
|
08/02/2025 |
7.99% |
|
08/01/2025 |
7.99% |
|
07/31/2025 |
7.99% |
|
07/30/2025 |
7.99% |
|
07/29/2025 |
7.99% |
|
07/28/2025 |
7.99% |
|
07/27/2025 |
7.99% |
|
07/26/2025 |
7.99% |
|
07/25/2025 |
7.99% |