AutoLoanRate.com tracks MyAutoLoan's daily refinance APRs. As of 04/20/2026 the headline rates: 36‑month 3.99%, 60‑month 4.44%, 72‑month 4.75% and 84‑month 4.99%. Shorter terms are sitting near four percent, while longer terms remain higher but have eased from winter peaks.
January started the year with noticeably higher APRs across terms (many 72–84 month offers above 5.2%). February showed a peak for some longer terms, then a steady pullback through March as lenders adjusted. March into early April brought the largest drops — 36‑month and 60‑month moved into the low‑4s or high‑3s — before a few modest upticks mid‑April, especially on longer terms. In short: winter highs → spring relief → small April wobble.
If you’re 25–45 and thinking refinance, shorter terms now offer the clearest savings opportunity — the 36‑month rate under 4% can shave interest and shorten repayment. Longer loans still carry more interest even when APRs fall, so don’t trade tiny monthly gains for years of higher interest without running the math.
Check your credit score and correct errors; a jump of 20–40 points can buy you a noticeably lower APR. Shop multiple lenders and use the comparison table below — APR, fees and prepayment penalties matter more than the teaser rate. If your payoff balance is small or you’re near loan end, save the refinance hassle unless savings exceed costs by a meaningful amount. Get prequalified (soft pulls) to compare offers before you apply hard.
Rates respond to Fed moves, inflation reports and big economic data. Expect modest swings rather than wild moves right now. If a lender offers a rate that cuts your total interest by a comfortable margin (we generally look for at least 0.5–1.0% improvement after fees), lock it. If you’re not rushed, watch the market for a couple of weeks — but don’t let perfect be the enemy of better.
We track MyAutoLoan daily and show side‑by‑side lender APRs in the table below so you can compare terms, fees and real costs. Use the data, run monthly‑payment vs total‑interest math, and pick the refinance that fits your budget and timeline. Want a quick check? Run your numbers against the table and you’ll know whether to refinance now or wait.
|
Date |
APR |
|
04/20/2026 |
3.99% |
|
04/19/2026 |
3.99% |
|
04/18/2026 |
3.99% |
|
04/17/2026 |
3.99% |
|
04/16/2026 |
3.99% |
|
04/15/2026 |
3.99% |
|
04/14/2026 |
3.99% |
|
04/13/2026 |
3.99% |
|
04/12/2026 |
3.99% |
|
04/11/2026 |
3.99% |
|
04/10/2026 |
3.99% |
|
04/09/2026 |
3.99% |
|
04/08/2026 |
3.99% |
|
04/07/2026 |
3.99% |
|
04/06/2026 |
4.2% |
|
04/05/2026 |
4.2% |
|
04/04/2026 |
4.2% |
|
04/03/2026 |
4.2% |
|
04/02/2026 |
4.2% |
|
04/01/2026 |
4.2% |
|
03/31/2026 |
4.2% |
|
03/30/2026 |
4.2% |
|
03/29/2026 |
4.2% |
|
03/28/2026 |
4.2% |
|
03/27/2026 |
4.2% |
|
03/26/2026 |
4.2% |
|
03/25/2026 |
4.2% |
|
03/24/2026 |
4.2% |
|
03/23/2026 |
4.2% |
|
03/22/2026 |
4.2% |
|
03/21/2026 |
4.2% |
|
03/20/2026 |
4.2% |
|
03/19/2026 |
4.2% |
|
03/18/2026 |
4.2% |
|
03/17/2026 |
4.2% |
|
03/16/2026 |
4.2% |
|
03/15/2026 |
4.2% |
|
03/14/2026 |
4.2% |
|
03/13/2026 |
4.2% |
|
03/12/2026 |
4.2% |
|
03/11/2026 |
4.2% |
|
03/10/2026 |
4.2% |
|
03/09/2026 |
4.2% |
|
03/08/2026 |
4.2% |
|
03/07/2026 |
4.2% |
|
03/06/2026 |
4.2% |
|
03/05/2026 |
4.2% |
|
03/04/2026 |
4.2% |
|
03/03/2026 |
4.2% |
|
03/02/2026 |
4.2% |
|
03/01/2026 |
4.2% |
|
02/28/2026 |
4.2% |
|
02/27/2026 |
4.2% |
|
02/26/2026 |
4.2% |
|
02/25/2026 |
4.2% |
|
02/24/2026 |
4.2% |
|
02/23/2026 |
4.49% |
|
02/22/2026 |
4.49% |
|
02/21/2026 |
4.49% |
|
02/20/2026 |
4.49% |
|
02/19/2026 |
4.49% |
|
02/18/2026 |
4.49% |
|
02/17/2026 |
4.49% |
|
02/16/2026 |
4.49% |
|
02/15/2026 |
4.49% |
|
02/14/2026 |
4.49% |
|
02/13/2026 |
4.49% |
|
02/12/2026 |
4.49% |
|
02/11/2026 |
4.49% |
|
02/10/2026 |
4.49% |
|
02/09/2026 |
4.49% |
|
02/08/2026 |
4.49% |
|
02/07/2026 |
4.49% |
|
02/06/2026 |
4.49% |
|
02/05/2026 |
4.49% |
|
02/04/2026 |
4.49% |
|
02/03/2026 |
4.49% |
|
02/02/2026 |
4.49% |
|
02/01/2026 |
4.49% |
|
01/31/2026 |
4.49% |
|
01/30/2026 |
4.49% |
|
01/29/2026 |
4.49% |
|
01/28/2026 |
4.49% |
|
01/27/2026 |
4.49% |
|
01/26/2026 |
4.09% |
|
01/25/2026 |
4.09% |
|
01/24/2026 |
4.09% |
|
01/23/2026 |
4.09% |
|
01/22/2026 |
4.09% |
|
01/21/2026 |
4.09% |
|
Date |
APR |
|
04/20/2026 |
4.44% |
|
04/19/2026 |
4.44% |
|
04/18/2026 |
4.44% |
|
04/17/2026 |
4.44% |
|
04/16/2026 |
4.44% |
|
04/15/2026 |
4.44% |
|
04/14/2026 |
4.44% |
|
04/13/2026 |
4.44% |
|
04/12/2026 |
4.44% |
|
04/11/2026 |
4.44% |
|
04/10/2026 |
4.44% |
|
04/09/2026 |
4.44% |
|
04/08/2026 |
4.44% |
|
04/07/2026 |
4.44% |
|
04/06/2026 |
4.05% |
|
04/05/2026 |
4.05% |
|
04/04/2026 |
4.05% |
|
04/03/2026 |
4.05% |
|
04/02/2026 |
4.05% |
|
04/01/2026 |
4.05% |
|
03/31/2026 |
4.05% |
|
03/30/2026 |
4.05% |
|
03/29/2026 |
4.05% |
|
03/28/2026 |
4.05% |
|
03/27/2026 |
4.05% |
|
03/26/2026 |
4.05% |
|
03/25/2026 |
4.05% |
|
03/24/2026 |
4.05% |
|
03/23/2026 |
4.05% |
|
03/22/2026 |
4.05% |
|
03/21/2026 |
4.05% |
|
03/20/2026 |
4.05% |
|
03/19/2026 |
4.05% |
|
03/18/2026 |
4.05% |
|
03/17/2026 |
4.05% |
|
03/16/2026 |
4.05% |
|
03/15/2026 |
4.05% |
|
03/14/2026 |
4.05% |
|
03/13/2026 |
4.05% |
|
03/12/2026 |
4.05% |
|
03/11/2026 |
4.05% |
|
03/10/2026 |
4.05% |
|
03/09/2026 |
4.05% |
|
03/08/2026 |
4.05% |
|
03/07/2026 |
4.05% |
|
03/06/2026 |
4.05% |
|
03/05/2026 |
4.05% |
|
03/04/2026 |
4.05% |
|
03/03/2026 |
4.05% |
|
03/02/2026 |
4.05% |
|
03/01/2026 |
4.05% |
|
02/28/2026 |
4.05% |
|
02/27/2026 |
4.05% |
|
02/26/2026 |
4.05% |
|
02/25/2026 |
4.05% |
|
02/24/2026 |
4.05% |
|
02/23/2026 |
4.97% |
|
02/22/2026 |
4.97% |
|
02/21/2026 |
4.97% |
|
02/20/2026 |
4.97% |
|
02/19/2026 |
4.97% |
|
02/18/2026 |
4.97% |
|
02/17/2026 |
4.97% |
|
02/16/2026 |
4.97% |
|
02/15/2026 |
4.97% |
|
02/14/2026 |
4.97% |
|
02/13/2026 |
4.97% |
|
02/12/2026 |
4.97% |
|
02/11/2026 |
4.97% |
|
02/10/2026 |
4.97% |
|
02/09/2026 |
4.97% |
|
02/08/2026 |
4.97% |
|
02/07/2026 |
4.97% |
|
02/06/2026 |
4.97% |
|
02/05/2026 |
4.97% |
|
02/04/2026 |
4.97% |
|
02/03/2026 |
4.97% |
|
02/02/2026 |
4.97% |
|
02/01/2026 |
4.97% |
|
01/31/2026 |
4.97% |
|
01/30/2026 |
4.97% |
|
01/29/2026 |
4.97% |
|
01/28/2026 |
4.97% |
|
01/27/2026 |
4.97% |
|
01/26/2026 |
4.97% |
|
01/25/2026 |
4.97% |
|
01/24/2026 |
4.97% |
|
01/23/2026 |
4.97% |
|
01/22/2026 |
4.97% |
|
01/21/2026 |
4.97% |
|
Date |
APR |
|
04/20/2026 |
4.75% |
|
04/19/2026 |
4.75% |
|
04/18/2026 |
4.75% |
|
04/17/2026 |
4.75% |
|
04/16/2026 |
4.75% |
|
04/15/2026 |
4.75% |
|
04/14/2026 |
4.75% |
|
04/13/2026 |
4.75% |
|
04/12/2026 |
4.75% |
|
04/11/2026 |
4.75% |
|
04/10/2026 |
4.75% |
|
04/09/2026 |
4.75% |
|
04/08/2026 |
4.75% |
|
04/07/2026 |
4.75% |
|
04/06/2026 |
4.25% |
|
04/05/2026 |
4.25% |
|
04/04/2026 |
4.25% |
|
04/03/2026 |
4.25% |
|
04/02/2026 |
4.25% |
|
04/01/2026 |
4.25% |
|
03/31/2026 |
4.25% |
|
03/30/2026 |
4.25% |
|
03/29/2026 |
4.25% |
|
03/28/2026 |
4.25% |
|
03/27/2026 |
4.25% |
|
03/26/2026 |
4.25% |
|
03/25/2026 |
4.25% |
|
03/24/2026 |
4.25% |
|
03/23/2026 |
4.25% |
|
03/22/2026 |
4.25% |
|
03/21/2026 |
4.25% |
|
03/20/2026 |
4.25% |
|
03/19/2026 |
4.25% |
|
03/18/2026 |
4.25% |
|
03/17/2026 |
4.25% |
|
03/16/2026 |
4.25% |
|
03/15/2026 |
4.25% |
|
03/14/2026 |
4.25% |
|
03/13/2026 |
4.25% |
|
03/12/2026 |
4.25% |
|
03/11/2026 |
4.25% |
|
03/10/2026 |
4.25% |
|
03/09/2026 |
4.25% |
|
03/08/2026 |
4.25% |
|
03/07/2026 |
4.25% |
|
03/06/2026 |
4.25% |
|
03/05/2026 |
4.25% |
|
03/04/2026 |
4.25% |
|
03/03/2026 |
4.25% |
|
03/02/2026 |
4.25% |
|
03/01/2026 |
4.25% |
|
02/28/2026 |
4.25% |
|
02/27/2026 |
4.25% |
|
02/26/2026 |
4.25% |
|
02/25/2026 |
4.25% |
|
02/24/2026 |
4.25% |
|
02/23/2026 |
4.99% |
|
02/22/2026 |
4.99% |
|
02/21/2026 |
4.99% |
|
02/20/2026 |
4.99% |
|
02/19/2026 |
4.99% |
|
02/18/2026 |
4.99% |
|
02/17/2026 |
4.99% |
|
02/16/2026 |
4.99% |
|
02/15/2026 |
4.99% |
|
02/14/2026 |
4.99% |
|
02/13/2026 |
4.99% |
|
02/12/2026 |
4.99% |
|
02/11/2026 |
4.99% |
|
02/10/2026 |
4.99% |
|
02/09/2026 |
4.99% |
|
02/08/2026 |
4.99% |
|
02/07/2026 |
4.99% |
|
02/06/2026 |
4.99% |
|
02/05/2026 |
4.99% |
|
02/04/2026 |
4.99% |
|
02/03/2026 |
4.99% |
|
02/02/2026 |
4.99% |
|
02/01/2026 |
4.99% |
|
01/31/2026 |
4.99% |
|
01/30/2026 |
4.99% |
|
01/29/2026 |
4.99% |
|
01/28/2026 |
4.99% |
|
01/27/2026 |
4.99% |
|
01/26/2026 |
5.27% |
|
01/25/2026 |
5.27% |
|
01/24/2026 |
5.27% |
|
01/23/2026 |
5.27% |
|
01/22/2026 |
5.27% |
|
01/21/2026 |
5.27% |
|
Date |
APR |
|
04/20/2026 |
4.99% |
|
04/19/2026 |
4.99% |
|
04/18/2026 |
4.99% |
|
04/17/2026 |
4.99% |
|
04/16/2026 |
4.99% |
|
04/15/2026 |
4.99% |
|
04/14/2026 |
4.99% |
|
04/13/2026 |
4.99% |
|
04/12/2026 |
4.99% |
|
04/11/2026 |
4.99% |
|
04/10/2026 |
4.99% |
|
04/09/2026 |
4.99% |
|
04/08/2026 |
4.99% |
|
04/07/2026 |
4.99% |
|
04/06/2026 |
4.85% |
|
04/05/2026 |
4.85% |
|
04/04/2026 |
4.85% |
|
04/03/2026 |
4.85% |
|
04/02/2026 |
4.85% |
|
04/01/2026 |
4.85% |
|
03/31/2026 |
4.85% |
|
03/30/2026 |
4.85% |
|
03/29/2026 |
4.85% |
|
03/28/2026 |
4.85% |
|
03/27/2026 |
4.85% |
|
03/26/2026 |
4.85% |
|
03/25/2026 |
4.85% |
|
03/24/2026 |
4.85% |
|
03/23/2026 |
4.85% |
|
03/22/2026 |
4.85% |
|
03/21/2026 |
4.85% |
|
03/20/2026 |
4.85% |
|
03/19/2026 |
4.85% |
|
03/18/2026 |
4.85% |
|
03/17/2026 |
4.85% |
|
03/16/2026 |
4.85% |
|
03/15/2026 |
4.85% |
|
03/14/2026 |
4.85% |
|
03/13/2026 |
4.85% |
|
03/12/2026 |
4.85% |
|
03/11/2026 |
4.85% |
|
03/10/2026 |
4.85% |
|
03/09/2026 |
4.85% |
|
03/08/2026 |
4.85% |
|
03/07/2026 |
4.85% |
|
03/06/2026 |
4.85% |
|
03/05/2026 |
4.85% |
|
03/04/2026 |
4.85% |
|
03/03/2026 |
4.85% |
|
03/02/2026 |
4.85% |
|
03/01/2026 |
4.85% |
|
02/28/2026 |
4.85% |
|
02/27/2026 |
4.85% |
|
02/26/2026 |
4.85% |
|
02/25/2026 |
4.85% |
|
02/24/2026 |
4.85% |
|
02/23/2026 |
4.99% |
|
02/22/2026 |
4.99% |
|
02/21/2026 |
4.99% |
|
02/20/2026 |
4.99% |
|
02/19/2026 |
4.99% |
|
02/18/2026 |
4.99% |
|
02/17/2026 |
4.99% |
|
02/16/2026 |
4.99% |
|
02/15/2026 |
4.99% |
|
02/14/2026 |
4.99% |
|
02/13/2026 |
4.99% |
|
02/12/2026 |
4.99% |
|
02/11/2026 |
4.99% |
|
02/10/2026 |
4.99% |
|
02/09/2026 |
4.99% |
|
02/08/2026 |
4.99% |
|
02/07/2026 |
4.99% |
|
02/06/2026 |
4.99% |
|
02/05/2026 |
4.99% |
|
02/04/2026 |
4.99% |
|
02/03/2026 |
4.99% |
|
02/02/2026 |
4.99% |
|
02/01/2026 |
4.99% |
|
01/31/2026 |
4.99% |
|
01/30/2026 |
4.99% |
|
01/29/2026 |
4.99% |
|
01/28/2026 |
4.99% |
|
01/27/2026 |
4.99% |
|
01/26/2026 |
5.24% |
|
01/25/2026 |
5.24% |
|
01/24/2026 |
5.24% |
|
01/23/2026 |
5.24% |
|
01/22/2026 |
5.24% |
|
01/21/2026 |
5.24% |