MyAutoLoan's daily refinance rates are remarkably steady: 36-month at 4.09% APR, 60-month at 4.97%, 72-month at 5.27% and 84-month at 5.24%. Those numbers have held unchanged across several months of daily checks, so right now the market is calm for refinance shoppers.
From late October 2025 through January 21, 2026 the APRs for these terms have been flat. That persistence suggests lenders have paused pricing moves — either because benchmark interest rates stabilized or competition kept offers consistent. In short: low volatility, predictable pricing over the recent period.
If your current loan APR is higher than the rates above, refinancing could cut monthly payments and total interest. Shorter-term loans (36 months) show the lowest APR here — great if you can afford higher monthly payments. Longer terms (72–84 months) carry slightly higher APRs but lower monthly payments; note 84-month APR is marginally below 72-month APR in this feed, which can happen depending on lender appetite.
1) Check your credit score — a bump can unlock better offers. 2) Run a break-even calculation: compare fees vs monthly savings. 3) Keep loan payoff and remaining balance in mind — longer terms can cost more interest overall. 4) Shop multiple lenders and use the comparison table further down the page to spot the best APR for your profile.
Short-term: likely to remain stable absent major Fed moves or surprising inflation data. Medium-term: a cooling economy could nudge APRs lower; stronger inflation or policy tightening would push them up. Because the recent pattern is flat, small swings — not wild moves — are the likeliest near-term outcome.
Right now is a sensible window to shop if your rate is above these levels. Use AutoLoanRate.com to compare offers, run payoff math, and decide whether refinancing is worth it for your budget and timeline. The daily table below shows the lender-by-lender APRs to help you choose quickly.
|
Date |
APR |
|
01/21/2026 |
4.09% |
|
01/20/2026 |
4.09% |
|
01/19/2026 |
4.09% |
|
01/18/2026 |
4.09% |
|
01/17/2026 |
4.09% |
|
01/16/2026 |
4.09% |
|
01/15/2026 |
4.09% |
|
01/14/2026 |
4.09% |
|
01/13/2026 |
4.09% |
|
01/12/2026 |
4.09% |
|
01/11/2026 |
4.09% |
|
01/10/2026 |
4.09% |
|
01/09/2026 |
4.09% |
|
01/08/2026 |
4.09% |
|
01/07/2026 |
4.09% |
|
01/06/2026 |
4.09% |
|
01/05/2026 |
4.09% |
|
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% |
|
Date |
APR |
|
01/21/2026 |
4.97% |
|
01/20/2026 |
4.97% |
|
01/19/2026 |
4.97% |
|
01/18/2026 |
4.97% |
|
01/17/2026 |
4.97% |
|
01/16/2026 |
4.97% |
|
01/15/2026 |
4.97% |
|
01/14/2026 |
4.97% |
|
01/13/2026 |
4.97% |
|
01/12/2026 |
4.97% |
|
01/11/2026 |
4.97% |
|
01/10/2026 |
4.97% |
|
01/09/2026 |
4.97% |
|
01/08/2026 |
4.97% |
|
01/07/2026 |
4.97% |
|
01/06/2026 |
4.97% |
|
01/05/2026 |
4.97% |
|
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% |
|
Date |
APR |
|
01/21/2026 |
5.27% |
|
01/20/2026 |
5.27% |
|
01/19/2026 |
5.27% |
|
01/18/2026 |
5.27% |
|
01/17/2026 |
5.27% |
|
01/16/2026 |
5.27% |
|
01/15/2026 |
5.27% |
|
01/14/2026 |
5.27% |
|
01/13/2026 |
5.27% |
|
01/12/2026 |
5.27% |
|
01/11/2026 |
5.27% |
|
01/10/2026 |
5.27% |
|
01/09/2026 |
5.27% |
|
01/08/2026 |
5.27% |
|
01/07/2026 |
5.27% |
|
01/06/2026 |
5.27% |
|
01/05/2026 |
5.27% |
|
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% |
|
Date |
APR |
|
01/21/2026 |
5.24% |
|
01/20/2026 |
5.24% |
|
01/19/2026 |
5.24% |
|
01/18/2026 |
5.24% |
|
01/17/2026 |
5.24% |
|
01/16/2026 |
5.24% |
|
01/15/2026 |
5.24% |
|
01/14/2026 |
5.24% |
|
01/13/2026 |
5.24% |
|
01/12/2026 |
5.24% |
|
01/11/2026 |
5.24% |
|
01/10/2026 |
5.24% |
|
01/09/2026 |
5.24% |
|
01/08/2026 |
5.24% |
|
01/07/2026 |
5.24% |
|
01/06/2026 |
5.24% |
|
01/05/2026 |
5.24% |
|
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% |