Quick read: 36‑month refinance APR is 5.34%, 60‑month is 4.74%, 72‑month is 5.27% and 84‑month is 4.99%. Those figures have been holding steady through late October after a few shifts in late September and early October.
From July through mid‑September many terms sat in the mid‑4.9%–5.6% band. On or around Sept 22 the market split: the 36‑month moved up about 35 basis points to 5.34%, while medium and longer terms nudged lower — 60‑month down to ~4.74% and 72‑month to ~5.27%. The longest term (84‑month) eased into the high‑4.9s by early October. In short: short-term rates ticked up; mid/long terms softened a bit.
Small percentage shifts change your monthly payment and total interest. On a $20,000 balance a 0.3% bump on a short term can add a couple hundred dollars in interest over the life of the loan — and a longer term at a slightly lower APR might reduce monthly pain but cost more overall. Context and math matter.
1) Compare APR and fees across lenders — the table below (we’ve included daily APRs from popular banks and lenders) is your friend. 2) Check how many months remain — refinancing late in a loan may not pay off. 3) Aim to get multiple soft quotes within a week so you compare like for like. 4) Improve your odds: pay down small balances, correct credit report errors, and avoid new credit inquiries before applying. 5) Consider term length: shorter = less interest but higher payment.
Expect modest movement, not wild swings. If inflation and central bank signals stay calm, rates should drift within current ranges. Economic surprises (inflation upticks or hawkish policy comments) could push short‑term APRs higher again. If you’ve got a solid credit profile and the numbers work today, locking a competitive offer can make sense — especially for longer terms that dipped recently.
Rates are mixed — shorter terms slightly higher, mid/long terms a touch lower. Use the comparison table below, run the numbers for your remaining balance and time, and pick the route that saves you the most money while fitting your monthly budget.
|
Date |
APR |
|
10/22/2025 |
5.34% |
|
10/21/2025 |
5.34% |
|
10/20/2025 |
5.34% |
|
10/19/2025 |
5.34% |
|
10/18/2025 |
5.34% |
|
10/17/2025 |
5.34% |
|
10/16/2025 |
5.34% |
|
10/15/2025 |
5.34% |
|
10/14/2025 |
5.34% |
|
10/13/2025 |
5.34% |
|
10/12/2025 |
5.34% |
|
10/11/2025 |
5.34% |
|
10/10/2025 |
5.34% |
|
10/09/2025 |
5.34% |
|
10/08/2025 |
5.34% |
|
10/07/2025 |
5.34% |
|
10/06/2025 |
5.34% |
|
10/05/2025 |
5.34% |
|
10/04/2025 |
5.34% |
|
10/03/2025 |
5.34% |
|
10/02/2025 |
5.34% |
|
10/01/2025 |
5.34% |
|
09/30/2025 |
5.34% |
|
09/29/2025 |
5.34% |
|
09/28/2025 |
5.34% |
|
09/27/2025 |
5.34% |
|
09/26/2025 |
5.34% |
|
09/25/2025 |
5.34% |
|
09/24/2025 |
5.34% |
|
09/23/2025 |
5.34% |
|
09/22/2025 |
5.34% |
|
09/21/2025 |
4.99% |
|
09/20/2025 |
4.99% |
|
09/19/2025 |
4.99% |
|
09/18/2025 |
4.99% |
|
09/17/2025 |
4.99% |
|
09/16/2025 |
4.99% |
|
09/15/2025 |
4.99% |
|
09/14/2025 |
4.99% |
|
09/13/2025 |
4.99% |
|
09/12/2025 |
4.99% |
|
09/11/2025 |
4.99% |
|
09/10/2025 |
4.99% |
|
09/09/2025 |
4.99% |
|
09/08/2025 |
4.99% |
|
09/07/2025 |
4.99% |
|
09/06/2025 |
4.99% |
|
09/05/2025 |
4.99% |
|
09/04/2025 |
4.99% |
|
09/03/2025 |
4.99% |
|
09/02/2025 |
4.99% |
|
09/01/2025 |
4.99% |
|
08/31/2025 |
4.99% |
|
08/30/2025 |
4.99% |
|
08/29/2025 |
4.99% |
|
08/28/2025 |
4.99% |
|
08/27/2025 |
4.99% |
|
08/26/2025 |
4.99% |
|
08/25/2025 |
4.99% |
|
08/24/2025 |
4.99% |
|
08/23/2025 |
4.99% |
|
08/22/2025 |
4.99% |
|
08/21/2025 |
4.99% |
|
08/20/2025 |
4.99% |
|
08/19/2025 |
4.99% |
|
08/18/2025 |
4.99% |
|
08/17/2025 |
4.99% |
|
08/16/2025 |
4.99% |
|
08/15/2025 |
4.99% |
|
08/14/2025 |
4.99% |
|
08/13/2025 |
4.99% |
|
08/12/2025 |
4.99% |
|
08/11/2025 |
4.99% |
|
08/10/2025 |
4.99% |
|
08/09/2025 |
4.99% |
|
08/08/2025 |
4.99% |
|
08/07/2025 |
4.99% |
|
08/06/2025 |
4.99% |
|
08/05/2025 |
4.99% |
|
08/04/2025 |
4.99% |
|
08/03/2025 |
4.99% |
|
08/02/2025 |
4.99% |
|
08/01/2025 |
4.99% |
|
07/31/2025 |
4.99% |
|
07/30/2025 |
4.99% |
|
07/29/2025 |
4.99% |
|
07/28/2025 |
4.99% |
|
07/27/2025 |
4.99% |
|
07/26/2025 |
4.99% |
|
07/25/2025 |
4.99% |
|
Date |
APR |
|
10/22/2025 |
4.74% |
|
10/21/2025 |
4.74% |
|
10/20/2025 |
4.74% |
|
10/19/2025 |
4.74% |
|
10/18/2025 |
4.74% |
|
10/17/2025 |
4.74% |
|
10/16/2025 |
4.74% |
|
10/15/2025 |
4.74% |
|
10/14/2025 |
4.74% |
|
10/13/2025 |
4.74% |
|
10/12/2025 |
4.74% |
|
10/11/2025 |
4.74% |
|
10/10/2025 |
4.74% |
|
10/09/2025 |
4.74% |
|
10/08/2025 |
4.74% |
|
10/07/2025 |
4.74% |
|
10/06/2025 |
4.74% |
|
10/05/2025 |
4.74% |
|
10/04/2025 |
4.74% |
|
10/03/2025 |
4.74% |
|
10/02/2025 |
4.74% |
|
10/01/2025 |
4.74% |
|
09/30/2025 |
4.74% |
|
09/29/2025 |
4.74% |
|
09/28/2025 |
4.74% |
|
09/27/2025 |
4.74% |
|
09/26/2025 |
4.74% |
|
09/25/2025 |
4.74% |
|
09/24/2025 |
4.74% |
|
09/23/2025 |
4.74% |
|
09/22/2025 |
4.74% |
|
09/21/2025 |
4.95% |
|
09/20/2025 |
4.95% |
|
09/19/2025 |
4.95% |
|
09/18/2025 |
4.95% |
|
09/17/2025 |
4.95% |
|
09/16/2025 |
4.95% |
|
09/15/2025 |
4.95% |
|
09/14/2025 |
4.95% |
|
09/13/2025 |
4.95% |
|
09/12/2025 |
4.95% |
|
09/11/2025 |
4.95% |
|
09/10/2025 |
4.95% |
|
09/09/2025 |
4.95% |
|
09/08/2025 |
4.95% |
|
09/07/2025 |
4.95% |
|
09/06/2025 |
4.95% |
|
09/05/2025 |
4.95% |
|
09/04/2025 |
4.95% |
|
09/03/2025 |
4.95% |
|
09/02/2025 |
4.95% |
|
09/01/2025 |
4.95% |
|
08/31/2025 |
4.95% |
|
08/30/2025 |
4.95% |
|
08/29/2025 |
4.95% |
|
08/28/2025 |
4.95% |
|
08/27/2025 |
4.95% |
|
08/26/2025 |
4.95% |
|
08/25/2025 |
4.95% |
|
08/24/2025 |
4.95% |
|
08/23/2025 |
4.95% |
|
08/22/2025 |
4.95% |
|
08/21/2025 |
4.95% |
|
08/20/2025 |
4.95% |
|
08/19/2025 |
4.95% |
|
08/18/2025 |
4.95% |
|
08/17/2025 |
4.95% |
|
08/16/2025 |
4.95% |
|
08/15/2025 |
4.95% |
|
08/14/2025 |
4.95% |
|
08/13/2025 |
4.95% |
|
08/12/2025 |
4.95% |
|
08/11/2025 |
4.95% |
|
08/10/2025 |
4.95% |
|
08/09/2025 |
4.95% |
|
08/08/2025 |
4.95% |
|
08/07/2025 |
4.95% |
|
08/06/2025 |
4.95% |
|
08/05/2025 |
4.95% |
|
08/04/2025 |
4.95% |
|
08/03/2025 |
4.95% |
|
08/02/2025 |
4.95% |
|
08/01/2025 |
4.95% |
|
07/31/2025 |
4.95% |
|
07/30/2025 |
4.95% |
|
07/29/2025 |
4.95% |
|
07/28/2025 |
4.95% |
|
07/27/2025 |
4.95% |
|
07/26/2025 |
4.95% |
|
07/25/2025 |
4.95% |
|
Date |
APR |
|
10/22/2025 |
5.27% |
|
10/21/2025 |
5.27% |
|
10/20/2025 |
5.27% |
|
10/19/2025 |
5.27% |
|
10/18/2025 |
5.27% |
|
10/17/2025 |
5.27% |
|
10/16/2025 |
5.27% |
|
10/15/2025 |
5.27% |
|
10/14/2025 |
5.27% |
|
10/13/2025 |
5.27% |
|
10/12/2025 |
5.27% |
|
10/11/2025 |
5.27% |
|
10/10/2025 |
5.27% |
|
10/09/2025 |
5.27% |
|
10/08/2025 |
5.27% |
|
10/07/2025 |
5.27% |
|
10/06/2025 |
5.27% |
|
10/05/2025 |
5.27% |
|
10/04/2025 |
5.27% |
|
10/03/2025 |
5.27% |
|
10/02/2025 |
5.27% |
|
10/01/2025 |
5.27% |
|
09/30/2025 |
5.27% |
|
09/29/2025 |
5.27% |
|
09/28/2025 |
5.27% |
|
09/27/2025 |
5.27% |
|
09/26/2025 |
5.27% |
|
09/25/2025 |
5.27% |
|
09/24/2025 |
5.27% |
|
09/23/2025 |
5.27% |
|
09/22/2025 |
5.27% |
|
09/21/2025 |
5.42% |
|
09/20/2025 |
5.42% |
|
09/19/2025 |
5.42% |
|
09/18/2025 |
5.42% |
|
09/17/2025 |
5.42% |
|
09/16/2025 |
5.42% |
|
09/15/2025 |
5.42% |
|
09/14/2025 |
5.42% |
|
09/13/2025 |
5.42% |
|
09/12/2025 |
5.42% |
|
09/11/2025 |
5.42% |
|
09/10/2025 |
5.42% |
|
09/09/2025 |
5.42% |
|
09/08/2025 |
5.42% |
|
09/07/2025 |
5.42% |
|
09/06/2025 |
5.42% |
|
09/05/2025 |
5.42% |
|
09/04/2025 |
5.42% |
|
09/03/2025 |
5.42% |
|
09/02/2025 |
5.42% |
|
09/01/2025 |
5.42% |
|
08/31/2025 |
5.42% |
|
08/30/2025 |
5.42% |
|
08/29/2025 |
5.42% |
|
08/28/2025 |
5.42% |
|
08/27/2025 |
5.42% |
|
08/26/2025 |
5.42% |
|
08/25/2025 |
5.42% |
|
08/24/2025 |
5.42% |
|
08/23/2025 |
5.42% |
|
08/22/2025 |
5.42% |
|
08/21/2025 |
5.42% |
|
08/20/2025 |
5.42% |
|
08/19/2025 |
5.42% |
|
08/18/2025 |
5.42% |
|
08/17/2025 |
5.42% |
|
08/16/2025 |
5.42% |
|
08/15/2025 |
5.42% |
|
08/14/2025 |
5.42% |
|
08/13/2025 |
5.42% |
|
08/12/2025 |
5.42% |
|
08/11/2025 |
5.42% |
|
08/10/2025 |
5.42% |
|
08/09/2025 |
5.42% |
|
08/08/2025 |
5.42% |
|
08/07/2025 |
5.42% |
|
08/06/2025 |
5.42% |
|
08/05/2025 |
5.42% |
|
08/04/2025 |
5.42% |
|
08/03/2025 |
5.42% |
|
08/02/2025 |
5.42% |
|
08/01/2025 |
5.42% |
|
07/31/2025 |
5.42% |
|
07/30/2025 |
5.42% |
|
07/29/2025 |
5.42% |
|
07/28/2025 |
5.42% |
|
07/27/2025 |
5.42% |
|
07/26/2025 |
5.42% |
|
07/25/2025 |
5.42% |
|
Date |
APR |
|
10/22/2025 |
4.99% |
|
10/21/2025 |
4.99% |
|
10/20/2025 |
4.99% |
|
10/19/2025 |
4.99% |
|
10/18/2025 |
4.99% |
|
10/17/2025 |
4.99% |
|
10/16/2025 |
4.99% |
|
10/15/2025 |
4.99% |
|
10/14/2025 |
4.99% |
|
10/13/2025 |
4.99% |
|
10/12/2025 |
4.99% |
|
10/11/2025 |
4.99% |
|
10/10/2025 |
4.99% |
|
10/09/2025 |
4.99% |
|
10/08/2025 |
4.99% |
|
10/07/2025 |
5.19% |
|
10/06/2025 |
5.19% |
|
10/05/2025 |
5.19% |
|
10/04/2025 |
5.19% |
|
10/03/2025 |
5.19% |
|
10/02/2025 |
5.19% |
|
10/01/2025 |
5.19% |
|
09/30/2025 |
5.19% |
|
09/29/2025 |
5.19% |
|
09/28/2025 |
5.19% |
|
09/27/2025 |
5.19% |
|
09/26/2025 |
5.19% |
|
09/25/2025 |
5.19% |
|
09/24/2025 |
5.19% |
|
09/23/2025 |
5.19% |
|
09/22/2025 |
5.19% |
|
09/21/2025 |
5.5% |
|
09/20/2025 |
5.5% |
|
09/19/2025 |
5.5% |
|
09/18/2025 |
5.5% |
|
09/17/2025 |
5.5% |
|
09/16/2025 |
5.5% |
|
09/15/2025 |
5.5% |
|
09/14/2025 |
5.5% |
|
09/13/2025 |
5.5% |
|
09/12/2025 |
5.5% |
|
09/11/2025 |
5.5% |
|
09/10/2025 |
5.5% |
|
09/09/2025 |
5.5% |
|
09/08/2025 |
5.5% |
|
09/07/2025 |
5.5% |
|
09/06/2025 |
5.5% |
|
09/05/2025 |
5.5% |
|
09/04/2025 |
5.5% |
|
09/03/2025 |
5.5% |
|
09/02/2025 |
5.5% |
|
09/01/2025 |
5.5% |
|
08/31/2025 |
5.5% |
|
08/30/2025 |
5.5% |
|
08/29/2025 |
5.5% |
|
08/28/2025 |
5.5% |
|
08/27/2025 |
5.5% |
|
08/26/2025 |
5.5% |
|
08/25/2025 |
5.5% |
|
08/24/2025 |
5.5% |
|
08/23/2025 |
5.5% |
|
08/22/2025 |
5.5% |
|
08/21/2025 |
5.5% |
|
08/20/2025 |
5.5% |
|
08/19/2025 |
5.5% |
|
08/18/2025 |
5.5% |
|
08/17/2025 |
5.5% |
|
08/16/2025 |
5.5% |
|
08/15/2025 |
5.5% |
|
08/14/2025 |
5.5% |
|
08/13/2025 |
5.5% |
|
08/12/2025 |
5.5% |
|
08/11/2025 |
5.5% |
|
08/10/2025 |
5.5% |
|
08/09/2025 |
5.5% |
|
08/08/2025 |
5.5% |
|
08/07/2025 |
5.5% |
|
08/06/2025 |
5.5% |
|
08/05/2025 |
5.57% |
|
08/04/2025 |
5.57% |
|
08/03/2025 |
5.57% |
|
08/02/2025 |
5.57% |
|
08/01/2025 |
5.57% |
|
07/31/2025 |
5.57% |
|
07/30/2025 |
5.57% |
|
07/29/2025 |
5.57% |
|
07/28/2025 |
5.57% |
|
07/27/2025 |
5.57% |
|
07/26/2025 |
5.57% |
|
07/25/2025 |
5.57% |