AutoLoanRate.com tracks MyAutoLoan’s daily lease APRs for common loan terms. This page summarizes rate trends, provides historical context, and offers practical tips to help you lock in a solid deal. The raw daily data below remains available in the table for your own review.
Across the 36-month term, rates have shown stability around the mid-5% range for most of the period, with a notable brief spike to about 6.24% around mid-October 2025. After that spike, the 36-month APR largely returned to the 5.24% level by late October. The swing was sharp but short-lived, underscoring how quickly the market can blink between pressure and relief.
For the 60-month term, the norm sits near 4.59% for much of the window, with occasional upticks to roughly 5.74% during the same spike window in early October. The movement is less dramatic than the 36-month term but shows a similar pattern: a temporary uptick followed by a regain of the prior level.
The 72-month term mirrors this rhythm, hovering around the mid-5% area, with brief bursts up to about 5.74% during the October volatility before stabilizing again near 5.47% or 5.74% depending on the day.
For the longer 84-month term, rates have fluctuated in the 5.24%–5.99% band, with a notable visit to 5.99% during late September through mid-October before easing back toward 5.24% to 5.74% as market conditions shifted.
The period shows a pattern of quiet stability punctuated by short-lived volatility. Late summer through early fall 2025 featured modest rate baselines, then a brief market jitters phase in October that pushed several terms higher for a few days. By late October, most terms retraced toward their prior levels, highlighting the importance of watching daily data for timing your decision.
In practical terms, this means you may see periods of relative predictability followed by short-lived spikes. If you’re planning a purchase, the timing of your rate lock can be as important as the rate itself, especially around these volatility windows.
- If you can wait for a stable window, you may benefit from lower daily rates after spikes subside.
- Shorter terms often carry higher monthly payments but can save on total interest when rates are favorable; longer terms reduce monthly dues but may increase overall interest over the life of the loan.
- A rate lock during a sustained dip can protect you from a quick rebound in rates. Consider locking when you see a clear downshift over several days.
- Your personal factors matter: credit score, down payment, and vehicle price all influence the APR you’re offered. Shop around and compare the actual APRs from multiple lenders, not just the headline rate.
Experts expect rates to drift with inflation trends and policy signals. If inflation remains tame and the Fed adopts a more accommodative stance later, auto loan rates could ease further. Short-term volatility may persist as market expectations adjust to new economic data, but a broad move toward stabilization seems plausible if price pressures stay in check. Keep an eye on the daily data—the best time to act often comes right after a measured pullback.
- Compare multiple terms side by side; the best deal isn’t always the lowest rate—consider total interest over the life of the loan.
- Time your lock: when the daily data shows a downshift sustained over several days, a rate lock can protect you from a rebound.
- Boost your down payment where possible to lower the APR and shorten the loan term without overburdening monthly payments.
- Check for promotions, lender programs, or dealer incentives that can offset a modest rate increase with credits or rebates.
The table below continues to capture daily APRs across 36, 60, 72, and 84 month terms. Use it as a reference to spot trends and time your decision. AutoLoanRate.com is here to help you find the best auto loan rates, tailored to your budget and goals. Scroll to the table to see the latest daily data from MyAutoLoan.
|
Date |
APR |
|
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% |
|
08/24/2025 |
5.24% |
|
08/23/2025 |
5.24% |
|
08/22/2025 |
5.24% |
|
08/21/2025 |
5.24% |
|
08/20/2025 |
5.24% |
|
08/19/2025 |
5.24% |
|
08/18/2025 |
5.24% |
|
08/17/2025 |
5.24% |
|
08/16/2025 |
5.24% |
|
08/15/2025 |
5.24% |
|
08/14/2025 |
5.24% |
|
08/13/2025 |
5.24% |
|
08/12/2025 |
5.24% |
|
08/11/2025 |
5.24% |
|
08/10/2025 |
5.24% |
|
08/09/2025 |
5.24% |
|
08/08/2025 |
5.24% |
|
08/07/2025 |
5.24% |
|
08/06/2025 |
5.24% |
|
08/05/2025 |
5.24% |
|
08/04/2025 |
5.24% |
|
08/03/2025 |
5.24% |
|
08/02/2025 |
5.24% |
|
08/01/2025 |
5.24% |
|
07/31/2025 |
5.24% |
|
07/30/2025 |
5.24% |
|
07/29/2025 |
5.24% |
|
07/28/2025 |
5.24% |
|
07/27/2025 |
5.24% |
|
Date |
APR |
|
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% |
|
08/24/2025 |
4.4% |
|
08/23/2025 |
4.4% |
|
08/22/2025 |
4.4% |
|
08/21/2025 |
4.4% |
|
08/20/2025 |
4.4% |
|
08/19/2025 |
4.4% |
|
08/18/2025 |
4.4% |
|
08/17/2025 |
4.4% |
|
08/16/2025 |
4.4% |
|
08/15/2025 |
4.4% |
|
08/14/2025 |
4.4% |
|
08/13/2025 |
4.4% |
|
08/12/2025 |
4.4% |
|
08/11/2025 |
4.4% |
|
08/10/2025 |
4.4% |
|
08/09/2025 |
4.4% |
|
08/08/2025 |
4.4% |
|
08/07/2025 |
4.4% |
|
08/06/2025 |
4.4% |
|
08/05/2025 |
4.59% |
|
08/04/2025 |
4.59% |
|
08/03/2025 |
4.59% |
|
08/02/2025 |
4.59% |
|
08/01/2025 |
4.59% |
|
07/31/2025 |
4.59% |
|
07/30/2025 |
4.59% |
|
07/29/2025 |
4.59% |
|
07/28/2025 |
4.59% |
|
07/27/2025 |
4.59% |
|
Date |
APR |
|
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% |
|
08/24/2025 |
5.74% |
|
08/23/2025 |
5.74% |
|
08/22/2025 |
5.74% |
|
08/21/2025 |
5.74% |
|
08/20/2025 |
5.74% |
|
08/19/2025 |
5.74% |
|
08/18/2025 |
5.74% |
|
08/17/2025 |
5.74% |
|
08/16/2025 |
5.74% |
|
08/15/2025 |
5.74% |
|
08/14/2025 |
5.74% |
|
08/13/2025 |
5.74% |
|
08/12/2025 |
5.74% |
|
08/11/2025 |
5.74% |
|
08/10/2025 |
5.74% |
|
08/09/2025 |
5.74% |
|
08/08/2025 |
5.74% |
|
08/07/2025 |
5.74% |
|
08/06/2025 |
5.74% |
|
08/05/2025 |
5.52% |
|
08/04/2025 |
5.52% |
|
08/03/2025 |
5.52% |
|
08/02/2025 |
5.52% |
|
08/01/2025 |
5.52% |
|
07/31/2025 |
5.52% |
|
07/30/2025 |
5.52% |
|
07/29/2025 |
5.52% |
|
07/28/2025 |
5.52% |
|
07/27/2025 |
5.52% |
|
Date |
APR |
|
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% |
|
08/24/2025 |
5.99% |
|
08/23/2025 |
5.99% |
|
08/22/2025 |
5.99% |
|
08/21/2025 |
5.99% |
|
08/20/2025 |
5.99% |
|
08/19/2025 |
5.99% |
|
08/18/2025 |
5.99% |
|
08/17/2025 |
5.99% |
|
08/16/2025 |
5.99% |
|
08/15/2025 |
5.99% |
|
08/14/2025 |
5.99% |
|
08/13/2025 |
5.99% |
|
08/12/2025 |
5.99% |
|
08/11/2025 |
5.99% |
|
08/10/2025 |
5.99% |
|
08/09/2025 |
5.99% |
|
08/08/2025 |
5.99% |
|
08/07/2025 |
5.99% |
|
08/06/2025 |
5.99% |
|
08/05/2025 |
5.99% |
|
08/04/2025 |
5.99% |
|
08/03/2025 |
5.99% |
|
08/02/2025 |
5.99% |
|
08/01/2025 |
5.99% |
|
07/31/2025 |
5.99% |
|
07/30/2025 |
5.99% |
|
07/29/2025 |
5.99% |
|
07/28/2025 |
5.99% |
|
07/27/2025 |
5.99% |