As of 12/21/2025 Sun Trust’s advertised new‑car APRs are steady across terms: 24‑month 6.24%, 36‑month 6.49%, 48‑month 6.64%, 60‑month 6.74%, and 72‑month 7.24%. Those are the daily rates we track here at AutoLoanRate.com to help you compare and decide.
Rates moved down sharply in early October after a late‑September bump. Shorter terms fell from roughly 7.24% (late Sept) to the mid‑6% range, while longer terms eased from the high 7’s into the low‑to‑mid 6’s and 7’s. Since early October the numbers have been unusually flat — a good sign if you’re ready to lock.
Auto loan APRs track wholesale funding costs, credit demand and monetary policy. Spikes like late September often follow market jitters or policy shifts; the quick drop and stability that followed suggest Sun Trust tightened pricing when conditions improved. Still, these rates are higher than the ultra‑low years we saw earlier in the decade.
If you’re buying now, the stabilized mid‑6% range on 24–60 month terms is reasonable compared with the recent peak. Longer 72‑month loans remain more expensive overall. Locking now avoids possible short‑term reversals; waiting could help if rates fall further, but could cost you if they climb.
Before you sign: get preapproved from multiple lenders, aim for the shortest loan you can afford, boost your down payment, and check your credit report for quick fixes. If your score is borderline, ask about rate discounts for automatic payments or shorter terms. Use AutoLoanRate.com’s comparison table further down the page to spot a better deal fast.
Expect modest moves tied to Fed guidance and economic data. If inflation cools, lenders may shave a few tenths; if rates rise, expect APRs to drift upward. Bottom line: if you’ve budgeted comfortably for a mid‑6% APR, now is a solid window to act — and we’ll keep tracking daily so you don’t miss a swing.
|
Date |
APR |
|
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 |
6.24% |
|
10/20/2025 |
6.24% |
|
10/19/2025 |
6.24% |
|
10/18/2025 |
6.24% |
|
10/17/2025 |
6.24% |
|
10/16/2025 |
6.24% |
|
10/15/2025 |
6.24% |
|
10/14/2025 |
6.24% |
|
10/13/2025 |
6.24% |
|
10/12/2025 |
6.24% |
|
10/11/2025 |
6.24% |
|
10/10/2025 |
6.24% |
|
10/09/2025 |
6.24% |
|
10/08/2025 |
6.24% |
|
10/07/2025 |
6.24% |
|
10/06/2025 |
6.24% |
|
10/05/2025 |
6.24% |
|
10/04/2025 |
6.24% |
|
10/03/2025 |
6.24% |
|
10/02/2025 |
6.99% |
|
10/01/2025 |
6.99% |
|
09/30/2025 |
6.99% |
|
09/29/2025 |
6.99% |
|
09/28/2025 |
6.99% |
|
09/27/2025 |
6.99% |
|
09/26/2025 |
6.99% |
|
09/25/2025 |
6.99% |
|
09/24/2025 |
7.24% |
|
09/23/2025 |
7.24% |
|
Date |
APR |
|
12/21/2025 |
6.49% |
|
12/20/2025 |
6.49% |
|
12/19/2025 |
6.49% |
|
12/18/2025 |
6.49% |
|
12/17/2025 |
6.49% |
|
12/16/2025 |
6.49% |
|
12/15/2025 |
6.49% |
|
12/14/2025 |
6.49% |
|
12/13/2025 |
6.49% |
|
12/12/2025 |
6.49% |
|
12/11/2025 |
6.49% |
|
12/10/2025 |
6.49% |
|
12/09/2025 |
6.49% |
|
12/08/2025 |
6.49% |
|
12/07/2025 |
6.49% |
|
12/06/2025 |
6.49% |
|
12/05/2025 |
6.49% |
|
12/04/2025 |
6.49% |
|
12/03/2025 |
6.49% |
|
12/02/2025 |
6.49% |
|
12/01/2025 |
6.49% |
|
11/30/2025 |
6.49% |
|
11/29/2025 |
6.49% |
|
11/28/2025 |
6.49% |
|
11/27/2025 |
6.49% |
|
11/26/2025 |
6.49% |
|
11/25/2025 |
6.49% |
|
11/24/2025 |
6.49% |
|
11/23/2025 |
6.49% |
|
11/22/2025 |
6.49% |
|
11/21/2025 |
6.49% |
|
11/20/2025 |
6.49% |
|
11/19/2025 |
6.49% |
|
11/18/2025 |
6.49% |
|
11/17/2025 |
6.49% |
|
11/16/2025 |
6.49% |
|
11/15/2025 |
6.49% |
|
11/14/2025 |
6.49% |
|
11/13/2025 |
6.49% |
|
11/12/2025 |
6.49% |
|
11/11/2025 |
6.49% |
|
11/10/2025 |
6.49% |
|
11/09/2025 |
6.49% |
|
11/08/2025 |
6.49% |
|
11/07/2025 |
6.49% |
|
11/06/2025 |
6.49% |
|
11/05/2025 |
6.49% |
|
11/04/2025 |
6.49% |
|
11/03/2025 |
6.49% |
|
11/02/2025 |
6.49% |
|
11/01/2025 |
6.49% |
|
10/31/2025 |
6.49% |
|
10/30/2025 |
6.49% |
|
10/29/2025 |
6.49% |
|
10/28/2025 |
6.49% |
|
10/27/2025 |
6.49% |
|
10/26/2025 |
6.49% |
|
10/25/2025 |
6.49% |
|
10/24/2025 |
6.49% |
|
10/23/2025 |
6.49% |
|
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 |
6.99% |
|
10/01/2025 |
6.99% |
|
09/30/2025 |
6.99% |
|
09/29/2025 |
6.99% |
|
09/28/2025 |
6.99% |
|
09/27/2025 |
6.99% |
|
09/26/2025 |
6.99% |
|
09/25/2025 |
6.99% |
|
09/24/2025 |
7.24% |
|
09/23/2025 |
7.24% |
|
Date |
APR |
|
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 |
6.64% |
|
10/20/2025 |
6.64% |
|
10/19/2025 |
6.64% |
|
10/18/2025 |
6.64% |
|
10/17/2025 |
6.64% |
|
10/16/2025 |
6.64% |
|
10/15/2025 |
6.64% |
|
10/14/2025 |
6.64% |
|
10/13/2025 |
6.64% |
|
10/12/2025 |
6.64% |
|
10/11/2025 |
6.64% |
|
10/10/2025 |
6.64% |
|
10/09/2025 |
6.64% |
|
10/08/2025 |
6.64% |
|
10/07/2025 |
6.64% |
|
10/06/2025 |
6.64% |
|
10/05/2025 |
6.64% |
|
10/04/2025 |
6.64% |
|
10/03/2025 |
6.64% |
|
10/02/2025 |
6.99% |
|
10/01/2025 |
6.99% |
|
09/30/2025 |
6.99% |
|
09/29/2025 |
6.99% |
|
09/28/2025 |
6.99% |
|
09/27/2025 |
6.99% |
|
09/26/2025 |
6.99% |
|
09/25/2025 |
6.99% |
|
09/24/2025 |
7.24% |
|
09/23/2025 |
7.24% |
|
Date |
APR |
|
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 |
6.74% |
|
10/20/2025 |
6.74% |
|
10/19/2025 |
6.74% |
|
10/18/2025 |
6.74% |
|
10/17/2025 |
6.74% |
|
10/16/2025 |
6.74% |
|
10/15/2025 |
6.74% |
|
10/14/2025 |
6.74% |
|
10/13/2025 |
6.74% |
|
10/12/2025 |
6.74% |
|
10/11/2025 |
6.74% |
|
10/10/2025 |
6.74% |
|
10/09/2025 |
6.74% |
|
10/08/2025 |
6.74% |
|
10/07/2025 |
6.74% |
|
10/06/2025 |
6.74% |
|
10/05/2025 |
6.74% |
|
10/04/2025 |
6.74% |
|
10/03/2025 |
6.74% |
|
10/02/2025 |
7.14% |
|
10/01/2025 |
7.14% |
|
09/30/2025 |
7.14% |
|
09/29/2025 |
7.14% |
|
09/28/2025 |
7.14% |
|
09/27/2025 |
7.14% |
|
09/26/2025 |
7.14% |
|
09/25/2025 |
7.14% |
|
09/24/2025 |
7.39% |
|
09/23/2025 |
7.39% |
|
Date |
APR |
|
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 |
7.24% |
|
10/20/2025 |
7.24% |
|
10/19/2025 |
7.24% |
|
10/18/2025 |
7.24% |
|
10/17/2025 |
7.24% |
|
10/16/2025 |
7.24% |
|
10/15/2025 |
7.24% |
|
10/14/2025 |
7.24% |
|
10/13/2025 |
7.24% |
|
10/12/2025 |
7.24% |
|
10/11/2025 |
7.24% |
|
10/10/2025 |
7.24% |
|
10/09/2025 |
7.24% |
|
10/08/2025 |
7.24% |
|
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 |
7.74% |
|
10/01/2025 |
7.74% |
|
09/30/2025 |
7.74% |
|
09/29/2025 |
7.74% |
|
09/28/2025 |
7.74% |
|
09/27/2025 |
7.74% |
|
09/26/2025 |
7.74% |
|
09/25/2025 |
7.74% |
|
09/24/2025 |
7.99% |
|
09/23/2025 |
7.99% |