Sun Trust's daily refinance rates across terms are showing a clear move downward in early October 2025. Short terms (24–36 months) sit in the mid-6% range today, while longer terms (48–72 months) range from high 6s to mid 7s. That drop is meaningful for anyone thinking about refinancing now.
From July through September the APRs were steady and elevated (24–36 month rates around 7.49%–7.54%, 60–72 month rates from ~7.69% to 8.24%). Starting around 10/01–10/03/2025, Sun Trust cut pricing across the board — roughly 0.6–0.8 percentage points lower depending on term. That’s the kind of move that makes refinancing worth re-running the numbers.
Auto loan pricing often lags short-term market moves. A summer of higher rates likely reflected tighter credit spreads and higher funding costs; the early-October pullback suggests funding eased or Sun Trust adjusted competitive pricing. Historically, a drop of this size can shave hundreds to thousands off total interest on a typical auto balance.
Expect a cautious environment: if macro rates keep easing or consumer credit conditions improve, banks may continue nudging APRs lower — especially for shorter terms. If the Fed or markets tighten again, rates can retrace. For most borrowers, the next few weeks are a good window to shop, but keep monitoring daily quotes.
1) Check your credit score and get prequalified — small score bumps lower APR. 2) Shorten the term if you can afford a higher payment; shorter loans usually offer better APRs. 3) Compare offers — use the table below to see how Sun Trust stacks up against other lenders. 4) Watch fees and prepayment rules — a low APR can be offset by high costs. 5) Calculate your break-even: how long until savings offset refinancing fees.
We track Sun Trust daily so you can spot moves like the October drop and act fast. Scroll down to the APR comparison table to line up Sun Trust with other lenders. If you want a hand running the math for your exact payoff and monthly savings, use our calculators or reach out — we help make the decision simple and practical.
|
Date |
APR |
|
10/18/2025 |
6.49% |
|
10/17/2025 |
6.49% |
|
10/16/2025 |
6.49% |
|
10/15/2025 |
6.49% |
|
10/14/2025 |
6.49% |
|
10/13/2025 |
6.49% |
|
10/12/2025 |
6.49% |
|
10/11/2025 |
6.49% |
|
10/10/2025 |
6.49% |
|
10/09/2025 |
6.49% |
|
10/08/2025 |
6.49% |
|
10/07/2025 |
6.49% |
|
10/06/2025 |
6.49% |
|
10/05/2025 |
6.49% |
|
10/04/2025 |
6.49% |
|
10/03/2025 |
6.49% |
|
10/02/2025 |
7.24% |
|
10/01/2025 |
7.24% |
|
09/30/2025 |
7.24% |
|
09/29/2025 |
7.24% |
|
09/28/2025 |
7.24% |
|
09/27/2025 |
7.24% |
|
09/26/2025 |
7.24% |
|
09/25/2025 |
7.24% |
|
09/24/2025 |
7.49% |
|
09/23/2025 |
7.49% |
|
09/22/2025 |
7.49% |
|
09/21/2025 |
7.49% |
|
09/20/2025 |
7.49% |
|
09/19/2025 |
7.49% |
|
09/18/2025 |
7.49% |
|
09/17/2025 |
7.49% |
|
09/16/2025 |
7.49% |
|
09/15/2025 |
7.49% |
|
09/14/2025 |
7.49% |
|
09/13/2025 |
7.49% |
|
09/12/2025 |
7.49% |
|
09/11/2025 |
7.49% |
|
09/10/2025 |
7.49% |
|
09/09/2025 |
7.49% |
|
09/08/2025 |
7.49% |
|
09/07/2025 |
7.49% |
|
09/06/2025 |
7.49% |
|
09/05/2025 |
7.49% |
|
09/04/2025 |
7.49% |
|
09/03/2025 |
7.49% |
|
09/02/2025 |
7.49% |
|
09/01/2025 |
7.49% |
|
08/31/2025 |
7.49% |
|
08/30/2025 |
7.49% |
|
08/29/2025 |
7.49% |
|
08/28/2025 |
7.49% |
|
08/27/2025 |
7.49% |
|
08/26/2025 |
7.49% |
|
08/25/2025 |
7.49% |
|
08/24/2025 |
7.49% |
|
08/23/2025 |
7.49% |
|
08/22/2025 |
7.49% |
|
08/21/2025 |
7.49% |
|
08/20/2025 |
7.49% |
|
08/19/2025 |
7.49% |
|
08/18/2025 |
7.49% |
|
08/17/2025 |
7.49% |
|
08/16/2025 |
7.49% |
|
08/15/2025 |
7.49% |
|
08/14/2025 |
7.49% |
|
08/13/2025 |
7.49% |
|
08/12/2025 |
7.49% |
|
08/11/2025 |
7.49% |
|
08/10/2025 |
7.49% |
|
08/09/2025 |
7.49% |
|
08/08/2025 |
7.49% |
|
08/07/2025 |
7.49% |
|
08/06/2025 |
7.49% |
|
08/05/2025 |
7.49% |
|
08/04/2025 |
7.49% |
|
08/03/2025 |
7.49% |
|
08/02/2025 |
7.49% |
|
08/01/2025 |
7.49% |
|
07/31/2025 |
7.49% |
|
07/30/2025 |
7.49% |
|
07/29/2025 |
7.49% |
|
07/28/2025 |
7.49% |
|
07/27/2025 |
7.49% |
|
07/26/2025 |
7.49% |
|
07/25/2025 |
7.49% |
|
07/24/2025 |
7.49% |
|
07/23/2025 |
7.49% |
|
07/22/2025 |
7.49% |
|
07/21/2025 |
7.49% |
|
Date |
APR |
|
10/18/2025 |
6.74% |
|
10/17/2025 |
6.74% |
|
10/16/2025 |
6.74% |
|
10/15/2025 |
6.74% |
|
10/14/2025 |
6.74% |
|
10/13/2025 |
6.74% |
|
10/12/2025 |
6.74% |
|
10/11/2025 |
6.74% |
|
10/10/2025 |
6.74% |
|
10/09/2025 |
6.74% |
|
10/08/2025 |
6.74% |
|
10/07/2025 |
6.74% |
|
10/06/2025 |
6.74% |
|
10/05/2025 |
6.74% |
|
10/04/2025 |
6.74% |
|
10/03/2025 |
6.74% |
|
10/02/2025 |
7.29% |
|
10/01/2025 |
7.29% |
|
09/30/2025 |
7.29% |
|
09/29/2025 |
7.29% |
|
09/28/2025 |
7.29% |
|
09/27/2025 |
7.29% |
|
09/26/2025 |
7.29% |
|
09/25/2025 |
7.29% |
|
09/24/2025 |
7.54% |
|
09/23/2025 |
7.54% |
|
09/22/2025 |
7.54% |
|
09/21/2025 |
7.54% |
|
09/20/2025 |
7.54% |
|
09/19/2025 |
7.54% |
|
09/18/2025 |
7.54% |
|
09/17/2025 |
7.54% |
|
09/16/2025 |
7.54% |
|
09/15/2025 |
7.54% |
|
09/14/2025 |
7.54% |
|
09/13/2025 |
7.54% |
|
09/12/2025 |
7.54% |
|
09/11/2025 |
7.54% |
|
09/10/2025 |
7.54% |
|
09/09/2025 |
7.54% |
|
09/08/2025 |
7.54% |
|
09/07/2025 |
7.54% |
|
09/06/2025 |
7.54% |
|
09/05/2025 |
7.54% |
|
09/04/2025 |
7.54% |
|
09/03/2025 |
7.54% |
|
09/02/2025 |
7.54% |
|
09/01/2025 |
7.54% |
|
08/31/2025 |
7.54% |
|
08/30/2025 |
7.54% |
|
08/29/2025 |
7.54% |
|
08/28/2025 |
7.54% |
|
08/27/2025 |
7.54% |
|
08/26/2025 |
7.54% |
|
08/25/2025 |
7.54% |
|
08/24/2025 |
7.54% |
|
08/23/2025 |
7.54% |
|
08/22/2025 |
7.54% |
|
08/21/2025 |
7.54% |
|
08/20/2025 |
7.54% |
|
08/19/2025 |
7.54% |
|
08/18/2025 |
7.54% |
|
08/17/2025 |
7.54% |
|
08/16/2025 |
7.54% |
|
08/15/2025 |
7.54% |
|
08/14/2025 |
7.54% |
|
08/13/2025 |
7.54% |
|
08/12/2025 |
7.54% |
|
08/11/2025 |
7.54% |
|
08/10/2025 |
7.54% |
|
08/09/2025 |
7.54% |
|
08/08/2025 |
7.54% |
|
08/07/2025 |
7.54% |
|
08/06/2025 |
7.54% |
|
08/05/2025 |
7.54% |
|
08/04/2025 |
7.54% |
|
08/03/2025 |
7.54% |
|
08/02/2025 |
7.54% |
|
08/01/2025 |
7.54% |
|
07/31/2025 |
7.54% |
|
07/30/2025 |
7.54% |
|
07/29/2025 |
7.54% |
|
07/28/2025 |
7.54% |
|
07/27/2025 |
7.54% |
|
07/26/2025 |
7.54% |
|
07/25/2025 |
7.54% |
|
07/24/2025 |
7.54% |
|
07/23/2025 |
7.54% |
|
07/22/2025 |
7.54% |
|
07/21/2025 |
7.54% |
|
Date |
APR |
|
10/18/2025 |
6.89% |
|
10/17/2025 |
6.89% |
|
10/16/2025 |
6.89% |
|
10/15/2025 |
6.89% |
|
10/14/2025 |
6.89% |
|
10/13/2025 |
6.89% |
|
10/12/2025 |
6.89% |
|
10/11/2025 |
6.89% |
|
10/10/2025 |
6.89% |
|
10/09/2025 |
6.89% |
|
10/08/2025 |
6.89% |
|
10/07/2025 |
6.89% |
|
10/06/2025 |
6.89% |
|
10/05/2025 |
6.89% |
|
10/04/2025 |
6.89% |
|
10/03/2025 |
6.89% |
|
10/02/2025 |
7.29% |
|
10/01/2025 |
7.29% |
|
09/30/2025 |
7.29% |
|
09/29/2025 |
7.29% |
|
09/28/2025 |
7.29% |
|
09/27/2025 |
7.29% |
|
09/26/2025 |
7.29% |
|
09/25/2025 |
7.29% |
|
09/24/2025 |
7.54% |
|
09/23/2025 |
7.54% |
|
09/22/2025 |
7.54% |
|
09/21/2025 |
7.54% |
|
09/20/2025 |
7.54% |
|
09/19/2025 |
7.54% |
|
09/18/2025 |
7.54% |
|
09/17/2025 |
7.54% |
|
09/16/2025 |
7.54% |
|
09/15/2025 |
7.54% |
|
09/14/2025 |
7.54% |
|
09/13/2025 |
7.54% |
|
09/12/2025 |
7.54% |
|
09/11/2025 |
7.54% |
|
09/10/2025 |
7.54% |
|
09/09/2025 |
7.54% |
|
09/08/2025 |
7.54% |
|
09/07/2025 |
7.54% |
|
09/06/2025 |
7.54% |
|
09/05/2025 |
7.54% |
|
09/04/2025 |
7.54% |
|
09/03/2025 |
7.54% |
|
09/02/2025 |
7.54% |
|
09/01/2025 |
7.54% |
|
08/31/2025 |
7.54% |
|
08/30/2025 |
7.54% |
|
08/29/2025 |
7.54% |
|
08/28/2025 |
7.54% |
|
08/27/2025 |
7.54% |
|
08/26/2025 |
7.54% |
|
08/25/2025 |
7.54% |
|
08/24/2025 |
7.54% |
|
08/23/2025 |
7.54% |
|
08/22/2025 |
7.54% |
|
08/21/2025 |
7.54% |
|
08/20/2025 |
7.54% |
|
08/19/2025 |
7.54% |
|
08/18/2025 |
7.54% |
|
08/17/2025 |
7.54% |
|
08/16/2025 |
7.54% |
|
08/15/2025 |
7.54% |
|
08/14/2025 |
7.54% |
|
08/13/2025 |
7.54% |
|
08/12/2025 |
7.54% |
|
08/11/2025 |
7.54% |
|
08/10/2025 |
7.54% |
|
08/09/2025 |
7.54% |
|
08/08/2025 |
7.54% |
|
08/07/2025 |
7.54% |
|
08/06/2025 |
7.54% |
|
08/05/2025 |
7.54% |
|
08/04/2025 |
7.54% |
|
08/03/2025 |
7.54% |
|
08/02/2025 |
7.54% |
|
08/01/2025 |
7.54% |
|
07/31/2025 |
7.54% |
|
07/30/2025 |
7.54% |
|
07/29/2025 |
7.54% |
|
07/28/2025 |
7.54% |
|
07/27/2025 |
7.54% |
|
07/26/2025 |
7.54% |
|
07/25/2025 |
7.54% |
|
07/24/2025 |
7.54% |
|
07/23/2025 |
7.54% |
|
07/22/2025 |
7.54% |
|
07/21/2025 |
7.54% |
|
Date |
APR |
|
10/18/2025 |
6.99% |
|
10/17/2025 |
6.99% |
|
10/16/2025 |
6.99% |
|
10/15/2025 |
6.99% |
|
10/14/2025 |
6.99% |
|
10/13/2025 |
6.99% |
|
10/12/2025 |
6.99% |
|
10/11/2025 |
6.99% |
|
10/10/2025 |
6.99% |
|
10/09/2025 |
6.99% |
|
10/08/2025 |
6.99% |
|
10/07/2025 |
6.99% |
|
10/06/2025 |
6.99% |
|
10/05/2025 |
6.99% |
|
10/04/2025 |
6.99% |
|
10/03/2025 |
6.99% |
|
10/02/2025 |
7.44% |
|
10/01/2025 |
7.44% |
|
09/30/2025 |
7.44% |
|
09/29/2025 |
7.44% |
|
09/28/2025 |
7.44% |
|
09/27/2025 |
7.44% |
|
09/26/2025 |
7.44% |
|
09/25/2025 |
7.44% |
|
09/24/2025 |
7.69% |
|
09/23/2025 |
7.69% |
|
09/22/2025 |
7.69% |
|
09/21/2025 |
7.69% |
|
09/20/2025 |
7.69% |
|
09/19/2025 |
7.69% |
|
09/18/2025 |
7.69% |
|
09/17/2025 |
7.69% |
|
09/16/2025 |
7.69% |
|
09/15/2025 |
7.69% |
|
09/14/2025 |
7.69% |
|
09/13/2025 |
7.69% |
|
09/12/2025 |
7.69% |
|
09/11/2025 |
7.69% |
|
09/10/2025 |
7.69% |
|
09/09/2025 |
7.69% |
|
09/08/2025 |
7.69% |
|
09/07/2025 |
7.69% |
|
09/06/2025 |
7.69% |
|
09/05/2025 |
7.69% |
|
09/04/2025 |
7.69% |
|
09/03/2025 |
7.69% |
|
09/02/2025 |
7.69% |
|
09/01/2025 |
7.69% |
|
08/31/2025 |
7.69% |
|
08/30/2025 |
7.69% |
|
08/29/2025 |
7.69% |
|
08/28/2025 |
7.69% |
|
08/27/2025 |
7.69% |
|
08/26/2025 |
7.69% |
|
08/25/2025 |
7.69% |
|
08/24/2025 |
7.69% |
|
08/23/2025 |
7.69% |
|
08/22/2025 |
7.69% |
|
08/21/2025 |
7.69% |
|
08/20/2025 |
7.69% |
|
08/19/2025 |
7.69% |
|
08/18/2025 |
7.69% |
|
08/17/2025 |
7.69% |
|
08/16/2025 |
7.69% |
|
08/15/2025 |
7.69% |
|
08/14/2025 |
7.69% |
|
08/13/2025 |
7.69% |
|
08/12/2025 |
7.69% |
|
08/11/2025 |
7.69% |
|
08/10/2025 |
7.69% |
|
08/09/2025 |
7.69% |
|
08/08/2025 |
7.69% |
|
08/07/2025 |
7.69% |
|
08/06/2025 |
7.69% |
|
08/05/2025 |
7.69% |
|
08/04/2025 |
7.69% |
|
08/03/2025 |
7.69% |
|
08/02/2025 |
7.69% |
|
08/01/2025 |
7.69% |
|
07/31/2025 |
7.69% |
|
07/30/2025 |
7.69% |
|
07/29/2025 |
7.69% |
|
07/28/2025 |
7.69% |
|
07/27/2025 |
7.69% |
|
07/26/2025 |
7.69% |
|
07/25/2025 |
7.69% |
|
07/24/2025 |
7.69% |
|
07/23/2025 |
7.69% |
|
07/22/2025 |
7.69% |
|
07/21/2025 |
7.69% |
|
Date |
APR |
|
10/18/2025 |
7.49% |
|
10/17/2025 |
7.49% |
|
10/16/2025 |
7.49% |
|
10/15/2025 |
7.49% |
|
10/14/2025 |
7.49% |
|
10/13/2025 |
7.49% |
|
10/12/2025 |
7.49% |
|
10/11/2025 |
7.49% |
|
10/10/2025 |
7.49% |
|
10/09/2025 |
7.49% |
|
10/08/2025 |
7.49% |
|
10/07/2025 |
7.49% |
|
10/06/2025 |
7.49% |
|
10/05/2025 |
7.49% |
|
10/04/2025 |
7.49% |
|
10/03/2025 |
7.49% |
|
10/02/2025 |
7.99% |
|
10/01/2025 |
7.99% |
|
09/30/2025 |
7.99% |
|
09/29/2025 |
7.99% |
|
09/28/2025 |
7.99% |
|
09/27/2025 |
7.99% |
|
09/26/2025 |
7.99% |
|
09/25/2025 |
7.99% |
|
09/24/2025 |
8.24% |
|
09/23/2025 |
8.24% |
|
09/22/2025 |
8.24% |
|
09/21/2025 |
8.24% |
|
09/20/2025 |
8.24% |
|
09/19/2025 |
8.24% |
|
09/18/2025 |
8.24% |
|
09/17/2025 |
8.24% |
|
09/16/2025 |
8.24% |
|
09/15/2025 |
8.24% |
|
09/14/2025 |
8.24% |
|
09/13/2025 |
8.24% |
|
09/12/2025 |
8.24% |
|
09/11/2025 |
8.24% |
|
09/10/2025 |
8.24% |
|
09/09/2025 |
8.24% |
|
09/08/2025 |
8.24% |
|
09/07/2025 |
8.24% |
|
09/06/2025 |
8.24% |
|
09/05/2025 |
8.24% |
|
09/04/2025 |
8.24% |
|
09/03/2025 |
8.24% |
|
09/02/2025 |
8.24% |
|
09/01/2025 |
8.24% |
|
08/31/2025 |
8.24% |
|
08/30/2025 |
8.24% |
|
08/29/2025 |
8.24% |
|
08/28/2025 |
8.24% |
|
08/27/2025 |
8.24% |
|
08/26/2025 |
8.24% |
|
08/25/2025 |
8.24% |
|
08/24/2025 |
8.24% |
|
08/23/2025 |
8.24% |
|
08/22/2025 |
8.24% |
|
08/21/2025 |
8.24% |
|
08/20/2025 |
8.24% |
|
08/19/2025 |
8.24% |
|
08/18/2025 |
8.24% |
|
08/17/2025 |
8.24% |
|
08/16/2025 |
8.24% |
|
08/15/2025 |
8.24% |
|
08/14/2025 |
8.24% |
|
08/13/2025 |
8.24% |
|
08/12/2025 |
8.24% |
|
08/11/2025 |
8.24% |
|
08/10/2025 |
8.24% |
|
08/09/2025 |
8.24% |
|
08/08/2025 |
8.24% |
|
08/07/2025 |
8.24% |
|
08/06/2025 |
8.24% |
|
08/05/2025 |
8.24% |
|
08/04/2025 |
8.24% |
|
08/03/2025 |
8.24% |
|
08/02/2025 |
8.24% |
|
08/01/2025 |
8.24% |
|
07/31/2025 |
8.24% |
|
07/30/2025 |
8.24% |
|
07/29/2025 |
8.24% |
|
07/28/2025 |
8.24% |
|
07/27/2025 |
8.24% |
|
07/26/2025 |
8.24% |
|
07/25/2025 |
8.24% |
|
07/24/2025 |
8.24% |
|
07/23/2025 |
8.24% |
|
07/22/2025 |
8.24% |
|
07/21/2025 |
8.24% |