AutoLoanRate.com tracks MyAutoLoan’s daily auto loan APRs to help you lock in the best financing. As of 01/22/2026, here is the current snapshot across common terms: 36 Month - 5.24%; 60 Month - 4.59%; 72 Month - 5.47%; 84 Month - 5.24%. These figures reflect the daily bite of lenders’ pricing and give you a quick read on where rates stand today.
What stands out today is how flat the four-term picture is. If you’re planning a purchase, this stability translates into predictable monthly payments and less guesswork as you shop among banks and dealers.
The data show a remarkably steady trajectory across recent weeks. The 36-month and 84-month APRs sit consistently around 5.24%, while the 60-month APR holds at 4.59% and the 72-month APR at 5.47%. In short, we’re in a calm, low-volatility window rather than a choppy, yo-yo market. For buyers, that means you can compare offers with more confidence and expect similar baseline financing costs across lenders.
Historically, when the market cooled, lenders tended to respond in tandem with inflation and bond yields. Today’s plateau suggests lenders are calibrating to a steady macro backdrop, rather than rushing to adjust pricing for short-term shifts. If you’re aiming for a rate save, timing your loan to a period of calm can maximize the value of the rate you secure.
Looking back to late 2025, the four-term baseline was roughly the same across most days: 36-month at 5.24%, 60-month at 4.59%, 72-month at 5.47%, and 84-month at 5.24%. From December through January, values have hovered with little variation. This consistency signals lenders’ risk pricing has settled, giving shoppers a predictable lane for comparison rather than a moving target.
For anyone tracking a lease- or loan-based deal, the message is clear: compare the total cost of ownership—not just the APR. Fees, down payment, and term length can tilt the math, even when the quoted APR looks stable.
Shop across terms: If you can handle a longer-term loan, the lower premium in some cases (like 4.59% on 60 months) can ease monthly cash flow, though total interest over time rises. Balance monthly payment comfort with long‑term cost.
Pre-qualify and lock when ready: A rate lock or pre-qualification can shield you from daily fluctuations while you compare offers and negotiate the vehicle price.
Consider down payment and fees: A larger down payment reduces loan size and may improve your effective APR by lowering the loan’s risk to lenders. Avoid unnecessary add-ons that inflate the amount financed.
Use daily data to your advantage: Our table below shows day-to-day shifts by term and helps you spot true rate moves versus noise. Use that insight to time your application if you’re not in a rush.
If inflation continues to cool and the Fed signals a slower pace of policy tightening, APRs could drift modestly lower over the coming weeks. If inflation proves sticky or bond yields rise, small increases are possible. In the near term, expect moves within a narrow band—roughly +/- 0.10 percentage point—rather than dramatic swings.
In any case, the current flat landscape is favorable for rate shopping. Locking in a stable rate now can protect you from future volatility while you compare offers and finalize your purchase.
We provide a daily pulse on auto loan pricing across major lenders, so you can compare apples to apples. Use the current four-term snapshot to frame your negotiation, then dive into the daily data below to spot true deals and avoid overpaying for financing.
|
Date |
APR |
|
01/22/2026 |
5.24% |
|
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% |
|
Date |
APR |
|
01/22/2026 |
4.59% |
|
01/21/2026 |
4.59% |
|
01/20/2026 |
4.59% |
|
01/19/2026 |
4.59% |
|
01/18/2026 |
4.59% |
|
01/17/2026 |
4.59% |
|
01/16/2026 |
4.59% |
|
01/15/2026 |
4.59% |
|
01/14/2026 |
4.59% |
|
01/13/2026 |
4.59% |
|
01/12/2026 |
4.59% |
|
01/11/2026 |
4.59% |
|
01/10/2026 |
4.59% |
|
01/09/2026 |
4.59% |
|
01/08/2026 |
4.59% |
|
01/07/2026 |
4.59% |
|
01/06/2026 |
4.59% |
|
01/05/2026 |
4.59% |
|
01/04/2026 |
4.59% |
|
01/03/2026 |
4.59% |
|
01/02/2026 |
4.59% |
|
01/01/2026 |
4.59% |
|
12/31/2025 |
4.59% |
|
12/30/2025 |
4.59% |
|
12/29/2025 |
4.59% |
|
12/28/2025 |
4.59% |
|
12/27/2025 |
4.59% |
|
12/26/2025 |
4.59% |
|
12/25/2025 |
4.59% |
|
12/24/2025 |
4.59% |
|
12/23/2025 |
4.59% |
|
12/22/2025 |
4.59% |
|
12/21/2025 |
4.59% |
|
12/20/2025 |
4.59% |
|
12/19/2025 |
4.59% |
|
12/18/2025 |
4.59% |
|
12/17/2025 |
4.59% |
|
12/16/2025 |
4.59% |
|
12/15/2025 |
4.59% |
|
12/14/2025 |
4.59% |
|
12/13/2025 |
4.59% |
|
12/12/2025 |
4.59% |
|
12/11/2025 |
4.59% |
|
12/10/2025 |
4.59% |
|
12/09/2025 |
4.59% |
|
12/08/2025 |
4.59% |
|
12/07/2025 |
4.59% |
|
12/06/2025 |
4.59% |
|
12/05/2025 |
4.59% |
|
12/04/2025 |
4.59% |
|
12/03/2025 |
4.59% |
|
12/02/2025 |
4.59% |
|
12/01/2025 |
4.59% |
|
11/30/2025 |
4.59% |
|
11/29/2025 |
4.59% |
|
11/28/2025 |
4.59% |
|
11/27/2025 |
4.59% |
|
11/26/2025 |
4.59% |
|
11/25/2025 |
4.59% |
|
11/24/2025 |
4.59% |
|
11/23/2025 |
4.59% |
|
11/22/2025 |
4.59% |
|
11/21/2025 |
4.59% |
|
11/20/2025 |
4.59% |
|
11/19/2025 |
4.59% |
|
11/18/2025 |
4.59% |
|
11/17/2025 |
4.59% |
|
11/16/2025 |
4.59% |
|
11/15/2025 |
4.59% |
|
11/14/2025 |
4.59% |
|
11/13/2025 |
4.59% |
|
11/12/2025 |
4.59% |
|
11/11/2025 |
4.59% |
|
11/10/2025 |
4.59% |
|
11/09/2025 |
4.59% |
|
11/08/2025 |
4.59% |
|
11/07/2025 |
4.59% |
|
11/06/2025 |
4.59% |
|
11/05/2025 |
4.59% |
|
11/04/2025 |
4.59% |
|
11/03/2025 |
4.59% |
|
11/02/2025 |
4.59% |
|
11/01/2025 |
4.59% |
|
10/31/2025 |
4.59% |
|
10/30/2025 |
4.59% |
|
10/29/2025 |
4.59% |
|
10/28/2025 |
4.59% |
|
10/27/2025 |
4.59% |
|
10/26/2025 |
4.59% |
|
10/25/2025 |
4.59% |
|
Date |
APR |
|
01/22/2026 |
5.47% |
|
01/21/2026 |
5.47% |
|
01/20/2026 |
5.47% |
|
01/19/2026 |
5.47% |
|
01/18/2026 |
5.47% |
|
01/17/2026 |
5.47% |
|
01/16/2026 |
5.47% |
|
01/15/2026 |
5.47% |
|
01/14/2026 |
5.47% |
|
01/13/2026 |
5.47% |
|
01/12/2026 |
5.47% |
|
01/11/2026 |
5.47% |
|
01/10/2026 |
5.47% |
|
01/09/2026 |
5.47% |
|
01/08/2026 |
5.47% |
|
01/07/2026 |
5.47% |
|
01/06/2026 |
5.47% |
|
01/05/2026 |
5.47% |
|
01/04/2026 |
5.47% |
|
01/03/2026 |
5.47% |
|
01/02/2026 |
5.47% |
|
01/01/2026 |
5.47% |
|
12/31/2025 |
5.47% |
|
12/30/2025 |
5.47% |
|
12/29/2025 |
5.47% |
|
12/28/2025 |
5.47% |
|
12/27/2025 |
5.47% |
|
12/26/2025 |
5.47% |
|
12/25/2025 |
5.47% |
|
12/24/2025 |
5.47% |
|
12/23/2025 |
5.47% |
|
12/22/2025 |
5.47% |
|
12/21/2025 |
5.47% |
|
12/20/2025 |
5.47% |
|
12/19/2025 |
5.47% |
|
12/18/2025 |
5.47% |
|
12/17/2025 |
5.47% |
|
12/16/2025 |
5.47% |
|
12/15/2025 |
5.47% |
|
12/14/2025 |
5.47% |
|
12/13/2025 |
5.47% |
|
12/12/2025 |
5.47% |
|
12/11/2025 |
5.47% |
|
12/10/2025 |
5.47% |
|
12/09/2025 |
5.47% |
|
12/08/2025 |
5.47% |
|
12/07/2025 |
5.47% |
|
12/06/2025 |
5.47% |
|
12/05/2025 |
5.47% |
|
12/04/2025 |
5.47% |
|
12/03/2025 |
5.47% |
|
12/02/2025 |
5.47% |
|
12/01/2025 |
5.47% |
|
11/30/2025 |
5.47% |
|
11/29/2025 |
5.47% |
|
11/28/2025 |
5.47% |
|
11/27/2025 |
5.47% |
|
11/26/2025 |
5.47% |
|
11/25/2025 |
5.47% |
|
11/24/2025 |
5.47% |
|
11/23/2025 |
5.47% |
|
11/22/2025 |
5.47% |
|
11/21/2025 |
5.47% |
|
11/20/2025 |
5.47% |
|
11/19/2025 |
5.47% |
|
11/18/2025 |
5.47% |
|
11/17/2025 |
5.47% |
|
11/16/2025 |
5.47% |
|
11/15/2025 |
5.47% |
|
11/14/2025 |
5.47% |
|
11/13/2025 |
5.47% |
|
11/12/2025 |
5.47% |
|
11/11/2025 |
5.47% |
|
11/10/2025 |
5.47% |
|
11/09/2025 |
5.47% |
|
11/08/2025 |
5.47% |
|
11/07/2025 |
5.47% |
|
11/06/2025 |
5.47% |
|
11/05/2025 |
5.47% |
|
11/04/2025 |
5.47% |
|
11/03/2025 |
5.47% |
|
11/02/2025 |
5.47% |
|
11/01/2025 |
5.47% |
|
10/31/2025 |
5.47% |
|
10/30/2025 |
5.47% |
|
10/29/2025 |
5.47% |
|
10/28/2025 |
5.47% |
|
10/27/2025 |
5.47% |
|
10/26/2025 |
5.47% |
|
10/25/2025 |
5.47% |
|
Date |
APR |
|
01/22/2026 |
5.24% |
|
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% |