AutoLoanRate.com tracks MyAutoLoan's daily APRs across common terms. Think of this as a weather report for your wallet: current snapshot shows 36-month 5.24%, 60-month 4.59%, 72-month 5.47%, 84-month 5.24%.
One-day blip: the 36-month term spiked to 6.24% on 10/21/2025 before returning to 5.24% the next day.
Rates have been largely stable since late 2025, with the longer terms kept in a narrow band of roughly 4.59% to 5.47%. The 36-month term showed a brief, sharp move to 6.24% on one day, then settled back.
From December 2025 through January 2026, most days lie within a small range. The 60-, 84-, and 72-month APRs sit around 4.59% to 5.47%, while the 36-month term typically hovered near 5.24%—aside from the single 6.24% blip on 10/21/2025.
Shop widely. Get pre-qualified to compare offers without multiple hard pulls.
Maintain a strong credit score and a healthy debt-to-income ratio to unlock better pricing.
Consider a slightly shorter term if you can handle higher payments; lower APRs often offset the payment jump over time.
Make a larger down payment or trade in equity to reduce the loan amount and improve your odds of a lower APR.
Check AutoLoanRate.com daily. Different lenders run promotions, and a fresh pass can reveal a better deal.
Analysts expect inflation trends and policy decisions to steer auto loan APRs in the quarters ahead. If the Fed eases policy or market liquidity improves, expect gradual declines toward the mid-4% to mid-5% range on many terms. If conditions stay tight or volatile, rates may hover in the current band with occasional wobbles.
We compile and display daily APR data from MyAutoLoan so you can compare quickly and time your loan. Use our daily updates to spot trends, lock in favorable offers, and finance smarter.
|
Date |
APR |
|
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% |
|
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% |
|
Date |
APR |
|
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% |
|
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% |
|
Date |
APR |
|
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% |
|
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% |
|
Date |
APR |
|
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% |
|
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% |