Today's refinance APRs from MyAutoLoan: 36‑month 4.09%, 60‑month 4.97%, 72‑month 5.27%, 84‑month 5.24%. Shorter terms remain noticeably cheaper — if you can swing the payment, a 36‑month refinance still saves on interest.
Rates were a bit jumpy in mid‑October — the 36‑month rate dropped sharply from the mid‑5% range to around 4.09%, while some longer terms nudged up. Since late October the numbers have largely stabilized and stayed consistent through December and into early January.
Over the last few months MyAutoLoan showed a clear shift: a short‑term rate correction followed by a period of flatness. That mirrors broader market moves — bond yields and Fed guidance pushed lenders to reprice certain loan lengths, then settle into the new levels.
If your current loan is higher than these APRs, refinancing could cut years of interest. Shorter terms have the lowest APRs here, but higher monthly payments. Longer terms cost more in interest but lower monthly burden. Match the APR and term to your budget and payoff goals.
Before you pull the trigger: check your credit score (better score = better offers), get payoff and fee quotes, and calculate your refinance break‑even (fees vs monthly savings). Shop multiple lenders — we’ve included a daily APR comparison table further down the page for exactly that. Don’t forget to compare total interest paid, not just the APR.
Expect moves to track the Fed, Treasury yields and inflation. If the Fed pauses or eases, auto rates generally drift lower. If inflation surprises to the upside, rates can tick up. Short term: stability is likely unless a major economic surprise hits.
Right now there’s an opportunity: stable, lower 36‑month APRs if you want to shorten your loan and save interest. Use the table below to compare daily lender offers, run the numbers on fees and monthly payments, and refinance only when the math (and your monthly budget) make sense.
|
Date |
APR |
|
01/04/2026 |
4.09% |
|
01/03/2026 |
4.09% |
|
01/02/2026 |
4.09% |
|
01/01/2026 |
4.09% |
|
12/31/2025 |
4.09% |
|
12/30/2025 |
4.09% |
|
12/29/2025 |
4.09% |
|
12/28/2025 |
4.09% |
|
12/27/2025 |
4.09% |
|
12/26/2025 |
4.09% |
|
12/25/2025 |
4.09% |
|
12/24/2025 |
4.09% |
|
12/23/2025 |
4.09% |
|
12/22/2025 |
4.09% |
|
12/21/2025 |
4.09% |
|
12/20/2025 |
4.09% |
|
12/19/2025 |
4.09% |
|
12/18/2025 |
4.09% |
|
12/17/2025 |
4.09% |
|
12/16/2025 |
4.09% |
|
12/15/2025 |
4.09% |
|
12/14/2025 |
4.09% |
|
12/13/2025 |
4.09% |
|
12/12/2025 |
4.09% |
|
12/11/2025 |
4.09% |
|
12/10/2025 |
4.09% |
|
12/09/2025 |
4.09% |
|
12/08/2025 |
4.09% |
|
12/07/2025 |
4.09% |
|
12/06/2025 |
4.09% |
|
12/05/2025 |
4.09% |
|
12/04/2025 |
4.09% |
|
12/03/2025 |
4.09% |
|
12/02/2025 |
4.09% |
|
12/01/2025 |
4.09% |
|
11/30/2025 |
4.09% |
|
11/29/2025 |
4.09% |
|
11/28/2025 |
4.09% |
|
11/27/2025 |
4.09% |
|
11/26/2025 |
4.09% |
|
11/25/2025 |
4.09% |
|
11/24/2025 |
4.09% |
|
11/23/2025 |
4.09% |
|
11/22/2025 |
4.09% |
|
11/21/2025 |
4.09% |
|
11/20/2025 |
4.09% |
|
11/19/2025 |
4.09% |
|
11/18/2025 |
4.09% |
|
11/17/2025 |
4.09% |
|
11/16/2025 |
4.09% |
|
11/15/2025 |
4.09% |
|
11/14/2025 |
4.09% |
|
11/13/2025 |
4.09% |
|
11/12/2025 |
4.09% |
|
11/11/2025 |
4.09% |
|
11/10/2025 |
4.09% |
|
11/09/2025 |
4.09% |
|
11/08/2025 |
4.09% |
|
11/07/2025 |
4.09% |
|
11/06/2025 |
4.09% |
|
11/05/2025 |
4.09% |
|
11/04/2025 |
4.09% |
|
11/03/2025 |
4.09% |
|
11/02/2025 |
4.09% |
|
11/01/2025 |
4.09% |
|
10/31/2025 |
4.09% |
|
10/30/2025 |
4.09% |
|
10/29/2025 |
4.09% |
|
10/28/2025 |
4.09% |
|
10/27/2025 |
4.09% |
|
10/26/2025 |
4.09% |
|
10/25/2025 |
4.09% |
|
10/24/2025 |
4.09% |
|
10/23/2025 |
4.09% |
|
10/22/2025 |
4.09% |
|
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% |
|
Date |
APR |
|
01/04/2026 |
4.97% |
|
01/03/2026 |
4.97% |
|
01/02/2026 |
4.97% |
|
01/01/2026 |
4.97% |
|
12/31/2025 |
4.97% |
|
12/30/2025 |
4.97% |
|
12/29/2025 |
4.97% |
|
12/28/2025 |
4.97% |
|
12/27/2025 |
4.97% |
|
12/26/2025 |
4.97% |
|
12/25/2025 |
4.97% |
|
12/24/2025 |
4.97% |
|
12/23/2025 |
4.97% |
|
12/22/2025 |
4.97% |
|
12/21/2025 |
4.97% |
|
12/20/2025 |
4.97% |
|
12/19/2025 |
4.97% |
|
12/18/2025 |
4.97% |
|
12/17/2025 |
4.97% |
|
12/16/2025 |
4.97% |
|
12/15/2025 |
4.97% |
|
12/14/2025 |
4.97% |
|
12/13/2025 |
4.97% |
|
12/12/2025 |
4.97% |
|
12/11/2025 |
4.97% |
|
12/10/2025 |
4.97% |
|
12/09/2025 |
4.97% |
|
12/08/2025 |
4.97% |
|
12/07/2025 |
4.97% |
|
12/06/2025 |
4.97% |
|
12/05/2025 |
4.97% |
|
12/04/2025 |
4.97% |
|
12/03/2025 |
4.97% |
|
12/02/2025 |
4.97% |
|
12/01/2025 |
4.97% |
|
11/30/2025 |
4.97% |
|
11/29/2025 |
4.97% |
|
11/28/2025 |
4.97% |
|
11/27/2025 |
4.97% |
|
11/26/2025 |
4.97% |
|
11/25/2025 |
4.97% |
|
11/24/2025 |
4.97% |
|
11/23/2025 |
4.97% |
|
11/22/2025 |
4.97% |
|
11/21/2025 |
4.97% |
|
11/20/2025 |
4.97% |
|
11/19/2025 |
4.97% |
|
11/18/2025 |
4.97% |
|
11/17/2025 |
4.97% |
|
11/16/2025 |
4.97% |
|
11/15/2025 |
4.97% |
|
11/14/2025 |
4.97% |
|
11/13/2025 |
4.97% |
|
11/12/2025 |
4.97% |
|
11/11/2025 |
4.97% |
|
11/10/2025 |
4.97% |
|
11/09/2025 |
4.97% |
|
11/08/2025 |
4.97% |
|
11/07/2025 |
4.97% |
|
11/06/2025 |
4.97% |
|
11/05/2025 |
4.97% |
|
11/04/2025 |
4.97% |
|
11/03/2025 |
4.97% |
|
11/02/2025 |
4.97% |
|
11/01/2025 |
4.97% |
|
10/31/2025 |
4.97% |
|
10/30/2025 |
4.97% |
|
10/29/2025 |
4.97% |
|
10/28/2025 |
4.97% |
|
10/27/2025 |
4.97% |
|
10/26/2025 |
4.97% |
|
10/25/2025 |
4.97% |
|
10/24/2025 |
4.97% |
|
10/23/2025 |
4.97% |
|
10/22/2025 |
4.97% |
|
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% |
|
Date |
APR |
|
01/04/2026 |
5.27% |
|
01/03/2026 |
5.27% |
|
01/02/2026 |
5.27% |
|
01/01/2026 |
5.27% |
|
12/31/2025 |
5.27% |
|
12/30/2025 |
5.27% |
|
12/29/2025 |
5.27% |
|
12/28/2025 |
5.27% |
|
12/27/2025 |
5.27% |
|
12/26/2025 |
5.27% |
|
12/25/2025 |
5.27% |
|
12/24/2025 |
5.27% |
|
12/23/2025 |
5.27% |
|
12/22/2025 |
5.27% |
|
12/21/2025 |
5.27% |
|
12/20/2025 |
5.27% |
|
12/19/2025 |
5.27% |
|
12/18/2025 |
5.27% |
|
12/17/2025 |
5.27% |
|
12/16/2025 |
5.27% |
|
12/15/2025 |
5.27% |
|
12/14/2025 |
5.27% |
|
12/13/2025 |
5.27% |
|
12/12/2025 |
5.27% |
|
12/11/2025 |
5.27% |
|
12/10/2025 |
5.27% |
|
12/09/2025 |
5.27% |
|
12/08/2025 |
5.27% |
|
12/07/2025 |
5.27% |
|
12/06/2025 |
5.27% |
|
12/05/2025 |
5.27% |
|
12/04/2025 |
5.27% |
|
12/03/2025 |
5.27% |
|
12/02/2025 |
5.27% |
|
12/01/2025 |
5.27% |
|
11/30/2025 |
5.27% |
|
11/29/2025 |
5.27% |
|
11/28/2025 |
5.27% |
|
11/27/2025 |
5.27% |
|
11/26/2025 |
5.27% |
|
11/25/2025 |
5.27% |
|
11/24/2025 |
5.27% |
|
11/23/2025 |
5.27% |
|
11/22/2025 |
5.27% |
|
11/21/2025 |
5.27% |
|
11/20/2025 |
5.27% |
|
11/19/2025 |
5.27% |
|
11/18/2025 |
5.27% |
|
11/17/2025 |
5.27% |
|
11/16/2025 |
5.27% |
|
11/15/2025 |
5.27% |
|
11/14/2025 |
5.27% |
|
11/13/2025 |
5.27% |
|
11/12/2025 |
5.27% |
|
11/11/2025 |
5.27% |
|
11/10/2025 |
5.27% |
|
11/09/2025 |
5.27% |
|
11/08/2025 |
5.27% |
|
11/07/2025 |
5.27% |
|
11/06/2025 |
5.27% |
|
11/05/2025 |
5.27% |
|
11/04/2025 |
5.27% |
|
11/03/2025 |
5.27% |
|
11/02/2025 |
5.27% |
|
11/01/2025 |
5.27% |
|
10/31/2025 |
5.27% |
|
10/30/2025 |
5.27% |
|
10/29/2025 |
5.27% |
|
10/28/2025 |
5.27% |
|
10/27/2025 |
5.27% |
|
10/26/2025 |
5.27% |
|
10/25/2025 |
5.27% |
|
10/24/2025 |
5.27% |
|
10/23/2025 |
5.27% |
|
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% |
|
Date |
APR |
|
01/04/2026 |
5.24% |
|
01/03/2026 |
5.24% |
|
01/02/2026 |
5.24% |
|
01/01/2026 |
5.24% |
|
12/31/2025 |
5.24% |
|
12/30/2025 |
5.24% |
|
12/29/2025 |
5.24% |
|
12/28/2025 |
5.24% |
|
12/27/2025 |
5.24% |
|
12/26/2025 |
5.24% |
|
12/25/2025 |
5.24% |
|
12/24/2025 |
5.24% |
|
12/23/2025 |
5.24% |
|
12/22/2025 |
5.24% |
|
12/21/2025 |
5.24% |
|
12/20/2025 |
5.24% |
|
12/19/2025 |
5.24% |
|
12/18/2025 |
5.24% |
|
12/17/2025 |
5.24% |
|
12/16/2025 |
5.24% |
|
12/15/2025 |
5.24% |
|
12/14/2025 |
5.24% |
|
12/13/2025 |
5.24% |
|
12/12/2025 |
5.24% |
|
12/11/2025 |
5.24% |
|
12/10/2025 |
5.24% |
|
12/09/2025 |
5.24% |
|
12/08/2025 |
5.24% |
|
12/07/2025 |
5.24% |
|
12/06/2025 |
5.24% |
|
12/05/2025 |
5.24% |
|
12/04/2025 |
5.24% |
|
12/03/2025 |
5.24% |
|
12/02/2025 |
5.24% |
|
12/01/2025 |
5.24% |
|
11/30/2025 |
5.24% |
|
11/29/2025 |
5.24% |
|
11/28/2025 |
5.24% |
|
11/27/2025 |
5.24% |
|
11/26/2025 |
5.24% |
|
11/25/2025 |
5.24% |
|
11/24/2025 |
5.24% |
|
11/23/2025 |
5.24% |
|
11/22/2025 |
5.24% |
|
11/21/2025 |
5.24% |
|
11/20/2025 |
5.24% |
|
11/19/2025 |
5.24% |
|
11/18/2025 |
5.24% |
|
11/17/2025 |
5.24% |
|
11/16/2025 |
5.24% |
|
11/15/2025 |
5.24% |
|
11/14/2025 |
5.24% |
|
11/13/2025 |
5.24% |
|
11/12/2025 |
5.24% |
|
11/11/2025 |
5.24% |
|
11/10/2025 |
5.24% |
|
11/09/2025 |
5.24% |
|
11/08/2025 |
5.24% |
|
11/07/2025 |
5.24% |
|
11/06/2025 |
5.24% |
|
11/05/2025 |
5.24% |
|
11/04/2025 |
5.24% |
|
11/03/2025 |
5.24% |
|
11/02/2025 |
5.24% |
|
11/01/2025 |
5.24% |
|
10/31/2025 |
5.24% |
|
10/30/2025 |
5.24% |
|
10/29/2025 |
5.24% |
|
10/28/2025 |
5.24% |
|
10/27/2025 |
5.24% |
|
10/26/2025 |
5.24% |
|
10/25/2025 |
5.24% |
|
10/24/2025 |
5.24% |
|
10/23/2025 |
5.24% |
|
10/22/2025 |
5.24% |
|
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% |