Short version: 36‑month refinance rates from MyAutoLoan dropped sharply to about 4.09% in late October and have held steady through November 20, 2025. Mid‑term (60‑month) sits near 4.97% after a mid‑October uptick. Longer terms (72–84 months) are in the 5.2–5.3% range. If you scroll down, you’ll see the daily APR table with the full history.
September was bumpier — many terms ran between roughly 4.95% and 5.5%. Mid‑October showed some volatility, then rates settled: a clear break lower for the 36‑month product and stable, slightly higher levels for 60/72/84‑month loans. That split suggests lenders are pricing shorter‑term competition aggressively right now.
Rates move with market yields and lender appetite. When short‑term loan yields fall or lenders chase business, shorter‑term APRs can drop faster. Longer terms usually carry more margin (risk + time), so they lag the pull‑downs. Expect headlines about Fed moves or economic data to nudge these numbers.
1) Check your credit score and recent credit report — small bumps can cut your rate. 2) Run quotes from several lenders (banks, credit unions, online). 3) Compare total cost, not just APR: fees and term length matter. 4) If your remaining term is short, a lower rate on a 36‑month could save the most interest. 5) Don’t rush — if you can wait a few weeks to compare offers, you may do better.
Short term: if economic data softens or the Fed signals easing, look for further small drops in shorter‑term APRs. If inflation surprises higher, rates can tick up. Mid/long term: expect slower movement — they’ll follow market expectations for growth and inflation. Bottom line: modest, range‑bound moves are the most likely near term; big swings are possible around major economic releases.
Use the daily APR table below as your compass. If your current loan APR is higher than today’s shown rates, run the numbers — refinancing could be worth it. And if you want a hand comparing quotes, AutoLoanRate.com is here to help you cut through the noise and find the rate that fits your budget and timeline.
|
Date |
APR |
|
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% |
|
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% |
|
Date |
APR |
|
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% |
|
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% |
|
Date |
APR |
|
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% |
|
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% |
|
Date |
APR |
|
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% |
|
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% |