AutoLoanRate.com tracks MyAutoLoan’s daily lease APRs to help you compare offers side by side. This page distills recent movements across common lease terms and adds practical takeaways for buyers. Expect concise trend notes, a sense of history, and clear tips to lock in favorable rates. A daily APR comparison table for popular banks and lenders sits below for deeper dives into the exact numbers.
In the most recent weeks, the 36-month lease APR stayed near 5.24% for the majority of days, with a notable spike to 6.24% around 10/21/2025 before easing back toward the 5.2% range by late October and stabilizing near 5.24% through November. The 60-month lease APR generally trended lower, hovering around 4.4% to 4.6% with occasional brief upticks that didn’t sustain. The 72- and 84-month terms moved in the mid-5% to high-5% territory, showing brief bumps around early and late October before easing into a steadier band. In short, a brief surge in late October gave way to a return toward the previous range across most terms by November’s start.
Looking back, late summer into early fall 2025 brought more pronounced rate swings as lenders adjusted pricing and competed for volume. The 36-month line revealed a sharp move up to 6.24% on 10/21/2025, then retraced quickly. Longer terms (72/84 months) showed steadier but still variable behavior, with spikes near October that cooled into November. By late November, most terms were back near their prior norms, illustrating a period of re-pricing before a potential stabilization phase.
Shoppers should note that shorter terms (36 months) can be more sensitive to rate swings, while longer terms (72–84 months) often trade higher total interest for lower monthly payments. Your best move is to align the term with how long you plan to keep the vehicle, your mileage, and your monthly budget. In practice, a stable period after a spike may yield opportunities to refinance or negotiate once you have a concrete offer in hand.
First, shop around across multiple lenders and request pre-approvals to compare offers side by side. If your cash flow allows, a larger down payment or a higher upfront payment can reduce monthly payments and lower the effective rate. Consider whether a shorter term with a slightly higher monthly payment actually saves money over the life of the lease. Stay mindful of mileage allowances and wear-and-tear terms, as these can affect overall costs. Finally, monitor rate trends for a few weeks before committing; timing can matter when a spike or retreat occurs.
Near-term movement will hinge on macro factors like inflation data and central-bank signals. If inflation cools and lenders gain pricing flexibility, we could see rates stabilize in the 5%–5.5% range for 36-month leases, with similar consolidation on longer terms. If volatility persists or demand strong, expect continued occasional bumps. Staying pre-approved and watching multiple lenders will help you exploit any favorable window.
The daily APR data you see further down the page provides the exact numbers by term and date, helping you validate the trends described here and plan your next move with precision.
|
Date |
APR |
|
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% |
|
10/23/2025 |
5.24% |
|
10/22/2025 |
5.24% |
|
10/21/2025 |
6.24% |
|
10/20/2025 |
6.24% |
|
10/19/2025 |
6.24% |
|
10/18/2025 |
6.24% |
|
10/17/2025 |
6.24% |
|
10/16/2025 |
6.24% |
|
10/15/2025 |
6.24% |
|
10/14/2025 |
6.24% |
|
10/13/2025 |
6.24% |
|
10/12/2025 |
6.24% |
|
10/11/2025 |
6.24% |
|
10/10/2025 |
6.24% |
|
10/09/2025 |
6.24% |
|
10/08/2025 |
6.24% |
|
10/07/2025 |
5.24% |
|
10/06/2025 |
5.24% |
|
10/05/2025 |
5.24% |
|
10/04/2025 |
5.24% |
|
10/03/2025 |
5.24% |
|
10/02/2025 |
5.24% |
|
10/01/2025 |
5.24% |
|
09/30/2025 |
5.24% |
|
09/29/2025 |
5.24% |
|
09/28/2025 |
5.24% |
|
09/27/2025 |
5.24% |
|
09/26/2025 |
5.24% |
|
09/25/2025 |
5.24% |
|
09/24/2025 |
5.24% |
|
09/23/2025 |
5.24% |
|
09/22/2025 |
5.24% |
|
09/21/2025 |
5.24% |
|
09/20/2025 |
5.24% |
|
09/19/2025 |
5.24% |
|
09/18/2025 |
5.24% |
|
09/17/2025 |
5.24% |
|
09/16/2025 |
5.24% |
|
09/15/2025 |
5.24% |
|
09/14/2025 |
5.24% |
|
09/13/2025 |
5.24% |
|
09/12/2025 |
5.24% |
|
09/11/2025 |
5.24% |
|
09/10/2025 |
5.24% |
|
09/09/2025 |
5.24% |
|
09/08/2025 |
5.24% |
|
09/07/2025 |
5.24% |
|
09/06/2025 |
5.24% |
|
09/05/2025 |
5.24% |
|
09/04/2025 |
5.24% |
|
09/03/2025 |
5.24% |
|
09/02/2025 |
5.24% |
|
09/01/2025 |
5.24% |
|
08/31/2025 |
5.24% |
|
08/30/2025 |
5.24% |
|
08/29/2025 |
5.24% |
|
08/28/2025 |
5.24% |
|
08/27/2025 |
5.24% |
|
08/26/2025 |
5.24% |
|
08/25/2025 |
5.24% |
|
Date |
APR |
|
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% |
|
10/24/2025 |
4.59% |
|
10/23/2025 |
4.59% |
|
10/22/2025 |
4.59% |
|
10/21/2025 |
4.59% |
|
10/20/2025 |
4.59% |
|
10/19/2025 |
4.59% |
|
10/18/2025 |
4.59% |
|
10/17/2025 |
4.59% |
|
10/16/2025 |
4.59% |
|
10/15/2025 |
4.59% |
|
10/14/2025 |
4.59% |
|
10/13/2025 |
4.59% |
|
10/12/2025 |
4.59% |
|
10/11/2025 |
4.59% |
|
10/10/2025 |
4.59% |
|
10/09/2025 |
4.59% |
|
10/08/2025 |
4.59% |
|
10/07/2025 |
4.59% |
|
10/06/2025 |
4.59% |
|
10/05/2025 |
4.59% |
|
10/04/2025 |
4.59% |
|
10/03/2025 |
4.59% |
|
10/02/2025 |
4.59% |
|
10/01/2025 |
4.59% |
|
09/30/2025 |
4.59% |
|
09/29/2025 |
4.59% |
|
09/28/2025 |
4.59% |
|
09/27/2025 |
4.59% |
|
09/26/2025 |
4.59% |
|
09/25/2025 |
4.59% |
|
09/24/2025 |
4.59% |
|
09/23/2025 |
4.59% |
|
09/22/2025 |
4.59% |
|
09/21/2025 |
4.59% |
|
09/20/2025 |
4.59% |
|
09/19/2025 |
4.59% |
|
09/18/2025 |
4.59% |
|
09/17/2025 |
4.59% |
|
09/16/2025 |
4.59% |
|
09/15/2025 |
4.59% |
|
09/14/2025 |
4.59% |
|
09/13/2025 |
4.59% |
|
09/12/2025 |
4.59% |
|
09/11/2025 |
4.59% |
|
09/10/2025 |
4.59% |
|
09/09/2025 |
4.59% |
|
09/08/2025 |
4.59% |
|
09/07/2025 |
4.59% |
|
09/06/2025 |
4.59% |
|
09/05/2025 |
4.59% |
|
09/04/2025 |
4.59% |
|
09/03/2025 |
4.59% |
|
09/02/2025 |
4.59% |
|
09/01/2025 |
4.4% |
|
08/31/2025 |
4.4% |
|
08/30/2025 |
4.4% |
|
08/29/2025 |
4.4% |
|
08/28/2025 |
4.4% |
|
08/27/2025 |
4.4% |
|
08/26/2025 |
4.4% |
|
08/25/2025 |
4.4% |
|
Date |
APR |
|
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% |
|
10/24/2025 |
5.47% |
|
10/23/2025 |
5.47% |
|
10/22/2025 |
5.47% |
|
10/21/2025 |
5.47% |
|
10/20/2025 |
5.47% |
|
10/19/2025 |
5.47% |
|
10/18/2025 |
5.47% |
|
10/17/2025 |
5.47% |
|
10/16/2025 |
5.47% |
|
10/15/2025 |
5.47% |
|
10/14/2025 |
5.47% |
|
10/13/2025 |
5.47% |
|
10/12/2025 |
5.47% |
|
10/11/2025 |
5.47% |
|
10/10/2025 |
5.47% |
|
10/09/2025 |
5.47% |
|
10/08/2025 |
5.47% |
|
10/07/2025 |
5.74% |
|
10/06/2025 |
5.74% |
|
10/05/2025 |
5.74% |
|
10/04/2025 |
5.74% |
|
10/03/2025 |
5.74% |
|
10/02/2025 |
5.74% |
|
10/01/2025 |
5.74% |
|
09/30/2025 |
5.74% |
|
09/29/2025 |
5.74% |
|
09/28/2025 |
5.74% |
|
09/27/2025 |
5.74% |
|
09/26/2025 |
5.74% |
|
09/25/2025 |
5.74% |
|
09/24/2025 |
5.74% |
|
09/23/2025 |
5.74% |
|
09/22/2025 |
5.74% |
|
09/21/2025 |
5.74% |
|
09/20/2025 |
5.74% |
|
09/19/2025 |
5.74% |
|
09/18/2025 |
5.74% |
|
09/17/2025 |
5.74% |
|
09/16/2025 |
5.74% |
|
09/15/2025 |
5.74% |
|
09/14/2025 |
5.74% |
|
09/13/2025 |
5.74% |
|
09/12/2025 |
5.74% |
|
09/11/2025 |
5.74% |
|
09/10/2025 |
5.74% |
|
09/09/2025 |
5.74% |
|
09/08/2025 |
5.74% |
|
09/07/2025 |
5.74% |
|
09/06/2025 |
5.74% |
|
09/05/2025 |
5.74% |
|
09/04/2025 |
5.74% |
|
09/03/2025 |
5.74% |
|
09/02/2025 |
5.74% |
|
09/01/2025 |
5.74% |
|
08/31/2025 |
5.74% |
|
08/30/2025 |
5.74% |
|
08/29/2025 |
5.74% |
|
08/28/2025 |
5.74% |
|
08/27/2025 |
5.74% |
|
08/26/2025 |
5.74% |
|
08/25/2025 |
5.74% |
|
Date |
APR |
|
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% |
|
10/23/2025 |
5.24% |
|
10/22/2025 |
5.24% |
|
10/21/2025 |
5.24% |
|
10/20/2025 |
5.24% |
|
10/19/2025 |
5.24% |
|
10/18/2025 |
5.24% |
|
10/17/2025 |
5.24% |
|
10/16/2025 |
5.24% |
|
10/15/2025 |
5.24% |
|
10/14/2025 |
5.24% |
|
10/13/2025 |
5.24% |
|
10/12/2025 |
5.24% |
|
10/11/2025 |
5.24% |
|
10/10/2025 |
5.24% |
|
10/09/2025 |
5.24% |
|
10/08/2025 |
5.24% |
|
10/07/2025 |
5.24% |
|
10/06/2025 |
5.24% |
|
10/05/2025 |
5.24% |
|
10/04/2025 |
5.24% |
|
10/03/2025 |
5.24% |
|
10/02/2025 |
5.24% |
|
10/01/2025 |
5.24% |
|
09/30/2025 |
5.24% |
|
09/29/2025 |
5.24% |
|
09/28/2025 |
5.24% |
|
09/27/2025 |
5.24% |
|
09/26/2025 |
5.24% |
|
09/25/2025 |
5.24% |
|
09/24/2025 |
5.24% |
|
09/23/2025 |
5.24% |
|
09/22/2025 |
5.24% |
|
09/21/2025 |
5.99% |
|
09/20/2025 |
5.99% |
|
09/19/2025 |
5.99% |
|
09/18/2025 |
5.99% |
|
09/17/2025 |
5.99% |
|
09/16/2025 |
5.99% |
|
09/15/2025 |
5.99% |
|
09/14/2025 |
5.99% |
|
09/13/2025 |
5.99% |
|
09/12/2025 |
5.99% |
|
09/11/2025 |
5.99% |
|
09/10/2025 |
5.99% |
|
09/09/2025 |
5.99% |
|
09/08/2025 |
5.99% |
|
09/07/2025 |
5.99% |
|
09/06/2025 |
5.99% |
|
09/05/2025 |
5.99% |
|
09/04/2025 |
5.99% |
|
09/03/2025 |
5.99% |
|
09/02/2025 |
5.99% |
|
09/01/2025 |
5.99% |
|
08/31/2025 |
5.99% |
|
08/30/2025 |
5.99% |
|
08/29/2025 |
5.99% |
|
08/28/2025 |
5.99% |
|
08/27/2025 |
5.99% |
|
08/26/2025 |
5.99% |
|
08/25/2025 |
5.99% |