As of the latest entries (through 03/17/2026) Sun Trust’s refinance APRs sit near 6.7% for short terms and climb with length: roughly 6.74% (24 months), 7.09% (36 months), 7.24% (48 months), 7.49% (60 months) and about 8.09% for 72 months. Those numbers give you a clear ladder: shorter loans = lower APR, longer loans = higher cost over time.
Rates were gently lower around mid‑December into early January, then moved up in mid‑January and again around late January/early February. The increases were modest — typically a few tenths of a percent — and after the early‑February lift the APRs have mostly held steady through mid‑March. In plain terms: Sun Trust bumped rates up, then hit a new band and stayed there.
Even small APR moves change monthly payments and total interest. If you’re refinancing to shorten a loan, those extra tenths are worth it — they cut years of interest. If you stretch the term, you may lower monthly payments but pay more overall. Know which side you’re on before signing.
1) If you expect to keep the car a short while, favor shorter terms — lower APRs make a big difference. 2) Shop around: lenders differ by credit tier and offers change fast; use comparison tools before committing. 3) Improve your profile: small credit fixes, paying down high‑interest debt, or providing a larger payoff amount can drop your APR. 4) Lock a rate if you have an approved offer — market swings can add unwanted cost. 5) Watch for fees and prepayment rules; the APR isn’t the whole story.
Expect Sun Trust to follow macro signals: Fed policy, inflation prints, and Treasury yields. If the Fed pauses or signals easing, rates could drift down over months. If economic data surprises on the upside, another lift is possible. Short term, the pattern looks more like a plateau at these elevated levels than a sudden drop.
We track daily APRs so you don’t have to guess. Use our comparisons to spot the best term for your goals, get prequalified to lock a real rate, and run simple payoff calculators to see exact monthly savings. Want a quick next step? Compare a 24 vs 60‑month payoff on our site — you might be surprised how much a shorter term saves.
|
Date |
APR |
|
03/17/2026 |
6.74% |
|
03/16/2026 |
6.74% |
|
03/15/2026 |
6.74% |
|
03/14/2026 |
6.74% |
|
03/13/2026 |
6.74% |
|
03/12/2026 |
6.74% |
|
03/11/2026 |
6.74% |
|
03/10/2026 |
6.74% |
|
03/09/2026 |
6.74% |
|
03/08/2026 |
6.74% |
|
03/07/2026 |
6.74% |
|
03/06/2026 |
6.74% |
|
03/05/2026 |
6.74% |
|
03/04/2026 |
6.74% |
|
03/03/2026 |
6.74% |
|
03/02/2026 |
6.74% |
|
03/01/2026 |
6.74% |
|
02/28/2026 |
6.74% |
|
02/27/2026 |
6.74% |
|
02/26/2026 |
6.74% |
|
02/25/2026 |
6.74% |
|
02/24/2026 |
6.74% |
|
02/23/2026 |
6.74% |
|
02/22/2026 |
6.74% |
|
02/21/2026 |
6.74% |
|
02/20/2026 |
6.74% |
|
02/19/2026 |
6.74% |
|
02/18/2026 |
6.74% |
|
02/17/2026 |
6.74% |
|
02/16/2026 |
6.74% |
|
02/15/2026 |
6.74% |
|
02/14/2026 |
6.74% |
|
02/13/2026 |
6.74% |
|
02/12/2026 |
6.74% |
|
02/11/2026 |
6.74% |
|
02/10/2026 |
6.74% |
|
02/09/2026 |
6.74% |
|
02/08/2026 |
6.74% |
|
02/07/2026 |
6.74% |
|
02/06/2026 |
6.74% |
|
02/05/2026 |
6.74% |
|
02/04/2026 |
6.74% |
|
02/03/2026 |
6.74% |
|
02/02/2026 |
6.74% |
|
02/01/2026 |
6.74% |
|
01/31/2026 |
6.74% |
|
01/30/2026 |
6.74% |
|
01/29/2026 |
6.74% |
|
01/28/2026 |
6.74% |
|
01/27/2026 |
6.74% |
|
01/26/2026 |
6.74% |
|
01/25/2026 |
6.74% |
|
01/24/2026 |
6.74% |
|
01/23/2026 |
6.74% |
|
01/22/2026 |
6.74% |
|
01/21/2026 |
6.74% |
|
01/20/2026 |
6.74% |
|
01/19/2026 |
6.74% |
|
01/18/2026 |
6.74% |
|
01/17/2026 |
6.74% |
|
01/16/2026 |
6.74% |
|
01/15/2026 |
6.74% |
|
01/14/2026 |
6.74% |
|
01/13/2026 |
6.49% |
|
01/12/2026 |
6.49% |
|
01/11/2026 |
6.49% |
|
01/10/2026 |
6.49% |
|
01/09/2026 |
6.49% |
|
01/08/2026 |
6.49% |
|
01/07/2026 |
6.49% |
|
01/06/2026 |
6.49% |
|
01/05/2026 |
6.49% |
|
01/04/2026 |
6.49% |
|
01/03/2026 |
6.49% |
|
01/02/2026 |
6.49% |
|
01/01/2026 |
6.49% |
|
12/31/2025 |
6.49% |
|
12/30/2025 |
6.49% |
|
12/29/2025 |
6.49% |
|
12/28/2025 |
6.49% |
|
12/27/2025 |
6.49% |
|
12/26/2025 |
6.49% |
|
12/25/2025 |
6.49% |
|
12/24/2025 |
6.49% |
|
12/23/2025 |
6.49% |
|
12/22/2025 |
6.49% |
|
12/21/2025 |
6.49% |
|
12/20/2025 |
6.49% |
|
12/19/2025 |
6.49% |
|
12/18/2025 |
6.49% |
|
Date |
APR |
|
03/17/2026 |
7.09% |
|
03/16/2026 |
7.09% |
|
03/15/2026 |
7.09% |
|
03/14/2026 |
7.09% |
|
03/13/2026 |
7.09% |
|
03/12/2026 |
7.09% |
|
03/11/2026 |
7.09% |
|
03/10/2026 |
7.09% |
|
03/09/2026 |
7.09% |
|
03/08/2026 |
7.09% |
|
03/07/2026 |
7.09% |
|
03/06/2026 |
7.09% |
|
03/05/2026 |
7.09% |
|
03/04/2026 |
7.09% |
|
03/03/2026 |
7.09% |
|
03/02/2026 |
7.09% |
|
03/01/2026 |
7.09% |
|
02/28/2026 |
7.09% |
|
02/27/2026 |
7.09% |
|
02/26/2026 |
7.09% |
|
02/25/2026 |
7.09% |
|
02/24/2026 |
7.09% |
|
02/23/2026 |
7.09% |
|
02/22/2026 |
7.09% |
|
02/21/2026 |
7.09% |
|
02/20/2026 |
7.09% |
|
02/19/2026 |
7.09% |
|
02/18/2026 |
7.09% |
|
02/17/2026 |
7.09% |
|
02/16/2026 |
7.09% |
|
02/15/2026 |
7.09% |
|
02/14/2026 |
7.09% |
|
02/13/2026 |
7.09% |
|
02/12/2026 |
7.09% |
|
02/11/2026 |
7.09% |
|
02/10/2026 |
7.09% |
|
02/09/2026 |
7.09% |
|
02/08/2026 |
7.09% |
|
02/07/2026 |
7.09% |
|
02/06/2026 |
7.09% |
|
02/05/2026 |
7.09% |
|
02/04/2026 |
7.09% |
|
02/03/2026 |
7.09% |
|
02/02/2026 |
6.99% |
|
02/01/2026 |
6.99% |
|
01/31/2026 |
6.99% |
|
01/30/2026 |
6.99% |
|
01/29/2026 |
6.99% |
|
01/28/2026 |
6.99% |
|
01/27/2026 |
6.99% |
|
01/26/2026 |
6.99% |
|
01/25/2026 |
6.99% |
|
01/24/2026 |
6.99% |
|
01/23/2026 |
6.99% |
|
01/22/2026 |
6.99% |
|
01/21/2026 |
6.99% |
|
01/20/2026 |
6.99% |
|
01/19/2026 |
6.99% |
|
01/18/2026 |
6.99% |
|
01/17/2026 |
6.99% |
|
01/16/2026 |
6.99% |
|
01/15/2026 |
6.99% |
|
01/14/2026 |
6.99% |
|
01/13/2026 |
6.74% |
|
01/12/2026 |
6.74% |
|
01/11/2026 |
6.74% |
|
01/10/2026 |
6.74% |
|
01/09/2026 |
6.74% |
|
01/08/2026 |
6.74% |
|
01/07/2026 |
6.74% |
|
01/06/2026 |
6.74% |
|
01/05/2026 |
6.74% |
|
01/04/2026 |
6.74% |
|
01/03/2026 |
6.74% |
|
01/02/2026 |
6.74% |
|
01/01/2026 |
6.74% |
|
12/31/2025 |
6.74% |
|
12/30/2025 |
6.74% |
|
12/29/2025 |
6.74% |
|
12/28/2025 |
6.74% |
|
12/27/2025 |
6.74% |
|
12/26/2025 |
6.74% |
|
12/25/2025 |
6.74% |
|
12/24/2025 |
6.74% |
|
12/23/2025 |
6.74% |
|
12/22/2025 |
6.74% |
|
12/21/2025 |
6.74% |
|
12/20/2025 |
6.74% |
|
12/19/2025 |
6.74% |
|
12/18/2025 |
6.74% |
|
Date |
APR |
|
03/17/2026 |
7.24% |
|
03/16/2026 |
7.24% |
|
03/15/2026 |
7.24% |
|
03/14/2026 |
7.24% |
|
03/13/2026 |
7.24% |
|
03/12/2026 |
7.24% |
|
03/11/2026 |
7.24% |
|
03/10/2026 |
7.24% |
|
03/09/2026 |
7.24% |
|
03/08/2026 |
7.24% |
|
03/07/2026 |
7.24% |
|
03/06/2026 |
7.24% |
|
03/05/2026 |
7.24% |
|
03/04/2026 |
7.24% |
|
03/03/2026 |
7.24% |
|
03/02/2026 |
7.24% |
|
03/01/2026 |
7.24% |
|
02/28/2026 |
7.24% |
|
02/27/2026 |
7.24% |
|
02/26/2026 |
7.24% |
|
02/25/2026 |
7.24% |
|
02/24/2026 |
7.24% |
|
02/23/2026 |
7.24% |
|
02/22/2026 |
7.24% |
|
02/21/2026 |
7.24% |
|
02/20/2026 |
7.24% |
|
02/19/2026 |
7.24% |
|
02/18/2026 |
7.24% |
|
02/17/2026 |
7.24% |
|
02/16/2026 |
7.24% |
|
02/15/2026 |
7.24% |
|
02/14/2026 |
7.24% |
|
02/13/2026 |
7.24% |
|
02/12/2026 |
7.24% |
|
02/11/2026 |
7.24% |
|
02/10/2026 |
7.24% |
|
02/09/2026 |
7.24% |
|
02/08/2026 |
7.24% |
|
02/07/2026 |
7.24% |
|
02/06/2026 |
7.24% |
|
02/05/2026 |
7.24% |
|
02/04/2026 |
7.24% |
|
02/03/2026 |
7.24% |
|
02/02/2026 |
7.14% |
|
02/01/2026 |
7.14% |
|
01/31/2026 |
7.14% |
|
01/30/2026 |
7.14% |
|
01/29/2026 |
7.14% |
|
01/28/2026 |
7.14% |
|
01/27/2026 |
7.14% |
|
01/26/2026 |
7.14% |
|
01/25/2026 |
7.14% |
|
01/24/2026 |
7.14% |
|
01/23/2026 |
7.14% |
|
01/22/2026 |
7.14% |
|
01/21/2026 |
7.14% |
|
01/20/2026 |
7.14% |
|
01/19/2026 |
7.14% |
|
01/18/2026 |
7.14% |
|
01/17/2026 |
7.14% |
|
01/16/2026 |
7.14% |
|
01/15/2026 |
7.14% |
|
01/14/2026 |
7.14% |
|
01/13/2026 |
6.89% |
|
01/12/2026 |
6.89% |
|
01/11/2026 |
6.89% |
|
01/10/2026 |
6.89% |
|
01/09/2026 |
6.89% |
|
01/08/2026 |
6.89% |
|
01/07/2026 |
6.89% |
|
01/06/2026 |
6.89% |
|
01/05/2026 |
6.89% |
|
01/04/2026 |
6.89% |
|
01/03/2026 |
6.89% |
|
01/02/2026 |
6.89% |
|
01/01/2026 |
6.89% |
|
12/31/2025 |
6.89% |
|
12/30/2025 |
6.89% |
|
12/29/2025 |
6.89% |
|
12/28/2025 |
6.89% |
|
12/27/2025 |
6.89% |
|
12/26/2025 |
6.89% |
|
12/25/2025 |
6.89% |
|
12/24/2025 |
6.89% |
|
12/23/2025 |
6.89% |
|
12/22/2025 |
6.89% |
|
12/21/2025 |
6.89% |
|
12/20/2025 |
6.89% |
|
12/19/2025 |
6.89% |
|
12/18/2025 |
6.89% |
|
Date |
APR |
|
03/17/2026 |
7.49% |
|
03/16/2026 |
7.49% |
|
03/15/2026 |
7.49% |
|
03/14/2026 |
7.49% |
|
03/13/2026 |
7.49% |
|
03/12/2026 |
7.49% |
|
03/11/2026 |
7.49% |
|
03/10/2026 |
7.49% |
|
03/09/2026 |
7.49% |
|
03/08/2026 |
7.49% |
|
03/07/2026 |
7.49% |
|
03/06/2026 |
7.49% |
|
03/05/2026 |
7.49% |
|
03/04/2026 |
7.49% |
|
03/03/2026 |
7.49% |
|
03/02/2026 |
7.49% |
|
03/01/2026 |
7.49% |
|
02/28/2026 |
7.49% |
|
02/27/2026 |
7.49% |
|
02/26/2026 |
7.49% |
|
02/25/2026 |
7.49% |
|
02/24/2026 |
7.49% |
|
02/23/2026 |
7.49% |
|
02/22/2026 |
7.49% |
|
02/21/2026 |
7.49% |
|
02/20/2026 |
7.49% |
|
02/19/2026 |
7.49% |
|
02/18/2026 |
7.49% |
|
02/17/2026 |
7.49% |
|
02/16/2026 |
7.49% |
|
02/15/2026 |
7.49% |
|
02/14/2026 |
7.49% |
|
02/13/2026 |
7.49% |
|
02/12/2026 |
7.49% |
|
02/11/2026 |
7.49% |
|
02/10/2026 |
7.49% |
|
02/09/2026 |
7.49% |
|
02/08/2026 |
7.49% |
|
02/07/2026 |
7.49% |
|
02/06/2026 |
7.49% |
|
02/05/2026 |
7.49% |
|
02/04/2026 |
7.49% |
|
02/03/2026 |
7.49% |
|
02/02/2026 |
7.24% |
|
02/01/2026 |
7.24% |
|
01/31/2026 |
7.24% |
|
01/30/2026 |
7.24% |
|
01/29/2026 |
7.24% |
|
01/28/2026 |
7.24% |
|
01/27/2026 |
7.24% |
|
01/26/2026 |
7.24% |
|
01/25/2026 |
7.24% |
|
01/24/2026 |
7.24% |
|
01/23/2026 |
7.24% |
|
01/22/2026 |
7.24% |
|
01/21/2026 |
7.24% |
|
01/20/2026 |
7.24% |
|
01/19/2026 |
7.24% |
|
01/18/2026 |
7.24% |
|
01/17/2026 |
7.24% |
|
01/16/2026 |
7.24% |
|
01/15/2026 |
7.24% |
|
01/14/2026 |
7.24% |
|
01/13/2026 |
6.99% |
|
01/12/2026 |
6.99% |
|
01/11/2026 |
6.99% |
|
01/10/2026 |
6.99% |
|
01/09/2026 |
6.99% |
|
01/08/2026 |
6.99% |
|
01/07/2026 |
6.99% |
|
01/06/2026 |
6.99% |
|
01/05/2026 |
6.99% |
|
01/04/2026 |
6.99% |
|
01/03/2026 |
6.99% |
|
01/02/2026 |
6.99% |
|
01/01/2026 |
6.99% |
|
12/31/2025 |
6.99% |
|
12/30/2025 |
6.99% |
|
12/29/2025 |
6.99% |
|
12/28/2025 |
6.99% |
|
12/27/2025 |
6.99% |
|
12/26/2025 |
6.99% |
|
12/25/2025 |
6.99% |
|
12/24/2025 |
6.99% |
|
12/23/2025 |
6.99% |
|
12/22/2025 |
6.99% |
|
12/21/2025 |
6.99% |
|
12/20/2025 |
6.99% |
|
12/19/2025 |
6.99% |
|
12/18/2025 |
6.99% |
|
Date |
APR |
|
03/17/2026 |
8.09% |
|
03/16/2026 |
8.09% |
|
03/15/2026 |
8.09% |
|
03/14/2026 |
8.09% |
|
03/13/2026 |
8.09% |
|
03/12/2026 |
8.09% |
|
03/11/2026 |
8.09% |
|
03/10/2026 |
8.09% |
|
03/09/2026 |
8.09% |
|
03/08/2026 |
8.09% |
|
03/07/2026 |
8.09% |
|
03/06/2026 |
8.09% |
|
03/05/2026 |
8.09% |
|
03/04/2026 |
8.09% |
|
03/03/2026 |
8.09% |
|
03/02/2026 |
8.09% |
|
03/01/2026 |
8.09% |
|
02/28/2026 |
8.09% |
|
02/27/2026 |
8.09% |
|
02/26/2026 |
8.09% |
|
02/25/2026 |
8.09% |
|
02/24/2026 |
8.09% |
|
02/23/2026 |
8.09% |
|
02/22/2026 |
8.09% |
|
02/21/2026 |
8.09% |
|
02/20/2026 |
8.09% |
|
02/19/2026 |
8.09% |
|
02/18/2026 |
8.09% |
|
02/17/2026 |
8.09% |
|
02/16/2026 |
8.09% |
|
02/15/2026 |
8.09% |
|
02/14/2026 |
8.09% |
|
02/13/2026 |
8.09% |
|
02/12/2026 |
7.39% |
|
02/11/2026 |
7.39% |
|
02/10/2026 |
7.39% |
|
02/09/2026 |
7.39% |
|
02/08/2026 |
7.39% |
|
02/07/2026 |
7.39% |
|
02/06/2026 |
7.39% |
|
02/05/2026 |
7.39% |
|
02/04/2026 |
7.39% |
|
02/03/2026 |
7.39% |
|
02/02/2026 |
7.74% |
|
02/01/2026 |
7.74% |
|
01/31/2026 |
7.74% |
|
01/30/2026 |
7.74% |
|
01/29/2026 |
7.74% |
|
01/28/2026 |
7.74% |
|
01/27/2026 |
7.74% |
|
01/26/2026 |
7.74% |
|
01/25/2026 |
7.74% |
|
01/24/2026 |
7.74% |
|
01/23/2026 |
7.74% |
|
01/22/2026 |
7.74% |
|
01/21/2026 |
7.74% |
|
01/20/2026 |
7.74% |
|
01/19/2026 |
7.74% |
|
01/18/2026 |
7.74% |
|
01/17/2026 |
7.74% |
|
01/16/2026 |
7.74% |
|
01/15/2026 |
7.74% |
|
01/14/2026 |
7.74% |
|
01/13/2026 |
7.49% |
|
01/12/2026 |
7.49% |
|
01/11/2026 |
7.49% |
|
01/10/2026 |
7.49% |
|
01/09/2026 |
7.49% |
|
01/08/2026 |
7.49% |
|
01/07/2026 |
7.49% |
|
01/06/2026 |
7.49% |
|
01/05/2026 |
7.49% |
|
01/04/2026 |
7.49% |
|
01/03/2026 |
7.49% |
|
01/02/2026 |
7.49% |
|
01/01/2026 |
7.49% |
|
12/31/2025 |
7.49% |
|
12/30/2025 |
7.49% |
|
12/29/2025 |
7.49% |
|
12/28/2025 |
7.49% |
|
12/27/2025 |
7.49% |
|
12/26/2025 |
7.49% |
|
12/25/2025 |
7.49% |
|
12/24/2025 |
7.49% |
|
12/23/2025 |
7.49% |
|
12/22/2025 |
7.49% |
|
12/21/2025 |
7.49% |
|
12/20/2025 |
7.49% |
|
12/19/2025 |
7.49% |
|
12/18/2025 |
7.49% |