MyAutoLoan's daily rates show a calm short-term picture with a small, meaningful shift in early October. The 36‑month new‑car APR has been rock‑steady at 6.49% for months. Longer terms dipped around 10/08: 60‑month fell from 7.24% to 6.99%, 72‑month from 7.39% to 7.14%, and 84‑month from 7.99% to 7.74% — and those lower levels have held through 10/20.
Over the last quarter the pattern was mostly stable at slightly elevated rates, then a synchronized drop for longer terms in early October. That kind of one‑day move often follows lender repricing, funding cost changes, or updates to risk appetite rather than a sudden economic miracle. Historically, auto APRs lag broader interest‑rate cycles; they move when banks adjust lending spreads or when benchmark rates shift.
If you're shopping now, the headline: short loans are cheapest (36‑month at 6.49%) and longer loans just eased a bit. A shorter term saves interest and often nets a better APR if your budget allows. If you prefer a lower monthly, the recent drops on 60/72/84‑month terms make those options slightly more attractive — but pay attention to total interest paid over the life of the loan.
Get pre‑approved so you compare dealer offers against lender rates. Boost your bargaining power by improving your credit score, increasing your down payment, and opting for shorter terms if you can. Always ask lenders about fees, rate discounts for autopay, and whether rates are for well‑qualified buyers. If rates look high now, consider buying and refinancing later if the market softens.
Expect small swings, not wild swings. Future direction depends on Fed policy, inflation data, and banks' funding costs. If benchmark rates ease or competition heats up, we could see further modest declines. If inflation or tightening resumes, lenders may push APRs back up. In short: stay ready to act, and use our daily table below to time your move.
AutoLoanRate.com tracks these daily APRs so you don’t have to. Scroll down to the comparison table for the exact daily APRs from popular banks and lenders — it's the quickest way to spot a good day to lock your rate. When you compare, the savings add up faster than you’d think.
|
Date |
APR |
|
10/20/2025 |
6.49% |
|
10/19/2025 |
6.49% |
|
10/18/2025 |
6.49% |
|
10/17/2025 |
6.49% |
|
10/16/2025 |
6.49% |
|
10/15/2025 |
6.49% |
|
10/14/2025 |
6.49% |
|
10/13/2025 |
6.49% |
|
10/12/2025 |
6.49% |
|
10/11/2025 |
6.49% |
|
10/10/2025 |
6.49% |
|
10/09/2025 |
6.49% |
|
10/08/2025 |
6.49% |
|
10/07/2025 |
6.49% |
|
10/06/2025 |
6.49% |
|
10/05/2025 |
6.49% |
|
10/04/2025 |
6.49% |
|
10/03/2025 |
6.49% |
|
10/02/2025 |
6.49% |
|
10/01/2025 |
6.49% |
|
09/30/2025 |
6.49% |
|
09/29/2025 |
6.49% |
|
09/28/2025 |
6.49% |
|
09/27/2025 |
6.49% |
|
09/26/2025 |
6.49% |
|
09/25/2025 |
6.49% |
|
09/24/2025 |
6.49% |
|
09/23/2025 |
6.49% |
|
09/22/2025 |
6.49% |
|
09/21/2025 |
6.49% |
|
09/20/2025 |
6.49% |
|
09/19/2025 |
6.49% |
|
09/18/2025 |
6.49% |
|
09/17/2025 |
6.49% |
|
09/16/2025 |
6.49% |
|
09/15/2025 |
6.49% |
|
09/14/2025 |
6.49% |
|
09/13/2025 |
6.49% |
|
09/12/2025 |
6.49% |
|
09/11/2025 |
6.49% |
|
09/10/2025 |
6.49% |
|
09/09/2025 |
6.49% |
|
09/08/2025 |
6.49% |
|
09/07/2025 |
6.49% |
|
09/06/2025 |
6.49% |
|
09/05/2025 |
6.49% |
|
09/04/2025 |
6.49% |
|
09/03/2025 |
6.49% |
|
09/02/2025 |
6.49% |
|
09/01/2025 |
6.49% |
|
08/31/2025 |
6.49% |
|
08/30/2025 |
6.49% |
|
08/29/2025 |
6.49% |
|
08/28/2025 |
6.49% |
|
08/27/2025 |
6.49% |
|
08/26/2025 |
6.49% |
|
08/25/2025 |
6.49% |
|
08/24/2025 |
6.49% |
|
08/23/2025 |
6.49% |
|
08/22/2025 |
6.49% |
|
08/21/2025 |
6.49% |
|
08/20/2025 |
6.49% |
|
08/19/2025 |
6.49% |
|
08/18/2025 |
6.49% |
|
08/17/2025 |
6.49% |
|
08/16/2025 |
6.49% |
|
08/15/2025 |
6.49% |
|
08/14/2025 |
6.49% |
|
08/13/2025 |
6.49% |
|
08/12/2025 |
6.49% |
|
08/11/2025 |
6.49% |
|
08/10/2025 |
6.49% |
|
08/09/2025 |
6.49% |
|
08/08/2025 |
6.49% |
|
08/07/2025 |
6.49% |
|
08/06/2025 |
6.49% |
|
08/05/2025 |
6.49% |
|
08/04/2025 |
6.49% |
|
08/03/2025 |
6.49% |
|
08/02/2025 |
6.49% |
|
08/01/2025 |
6.49% |
|
07/31/2025 |
6.49% |
|
07/30/2025 |
6.49% |
|
07/29/2025 |
6.49% |
|
07/28/2025 |
6.49% |
|
07/27/2025 |
6.49% |
|
07/26/2025 |
6.49% |
|
07/25/2025 |
6.49% |
|
07/24/2025 |
6.49% |
|
07/23/2025 |
6.49% |
|
Date |
APR |
|
10/20/2025 |
6.99% |
|
10/19/2025 |
6.99% |
|
10/18/2025 |
6.99% |
|
10/17/2025 |
6.99% |
|
10/16/2025 |
6.99% |
|
10/15/2025 |
6.99% |
|
10/14/2025 |
6.99% |
|
10/13/2025 |
6.99% |
|
10/12/2025 |
6.99% |
|
10/11/2025 |
6.99% |
|
10/10/2025 |
6.99% |
|
10/09/2025 |
6.99% |
|
10/08/2025 |
6.99% |
|
10/07/2025 |
7.24% |
|
10/06/2025 |
7.24% |
|
10/05/2025 |
7.24% |
|
10/04/2025 |
7.24% |
|
10/03/2025 |
7.24% |
|
10/02/2025 |
7.24% |
|
10/01/2025 |
7.24% |
|
09/30/2025 |
7.24% |
|
09/29/2025 |
7.24% |
|
09/28/2025 |
7.24% |
|
09/27/2025 |
7.24% |
|
09/26/2025 |
7.24% |
|
09/25/2025 |
7.24% |
|
09/24/2025 |
7.24% |
|
09/23/2025 |
7.24% |
|
09/22/2025 |
7.24% |
|
09/21/2025 |
7.24% |
|
09/20/2025 |
7.24% |
|
09/19/2025 |
7.24% |
|
09/18/2025 |
7.24% |
|
09/17/2025 |
7.24% |
|
09/16/2025 |
7.24% |
|
09/15/2025 |
7.24% |
|
09/14/2025 |
7.24% |
|
09/13/2025 |
7.24% |
|
09/12/2025 |
7.24% |
|
09/11/2025 |
7.24% |
|
09/10/2025 |
7.24% |
|
09/09/2025 |
7.24% |
|
09/08/2025 |
7.24% |
|
09/07/2025 |
7.24% |
|
09/06/2025 |
7.24% |
|
09/05/2025 |
7.24% |
|
09/04/2025 |
7.24% |
|
09/03/2025 |
7.24% |
|
09/02/2025 |
7.24% |
|
09/01/2025 |
7.24% |
|
08/31/2025 |
7.24% |
|
08/30/2025 |
7.24% |
|
08/29/2025 |
7.24% |
|
08/28/2025 |
7.24% |
|
08/27/2025 |
7.24% |
|
08/26/2025 |
7.24% |
|
08/25/2025 |
7.24% |
|
08/24/2025 |
7.24% |
|
08/23/2025 |
7.24% |
|
08/22/2025 |
7.24% |
|
08/21/2025 |
7.24% |
|
08/20/2025 |
7.24% |
|
08/19/2025 |
7.24% |
|
08/18/2025 |
7.24% |
|
08/17/2025 |
7.24% |
|
08/16/2025 |
7.24% |
|
08/15/2025 |
7.24% |
|
08/14/2025 |
7.24% |
|
08/13/2025 |
7.24% |
|
08/12/2025 |
7.24% |
|
08/11/2025 |
7.24% |
|
08/10/2025 |
7.24% |
|
08/09/2025 |
7.24% |
|
08/08/2025 |
7.24% |
|
08/07/2025 |
7.24% |
|
08/06/2025 |
7.24% |
|
08/05/2025 |
7.24% |
|
08/04/2025 |
7.24% |
|
08/03/2025 |
7.24% |
|
08/02/2025 |
7.24% |
|
08/01/2025 |
7.24% |
|
07/31/2025 |
7.24% |
|
07/30/2025 |
7.24% |
|
07/29/2025 |
7.24% |
|
07/28/2025 |
7.24% |
|
07/27/2025 |
7.24% |
|
07/26/2025 |
7.24% |
|
07/25/2025 |
7.24% |
|
07/24/2025 |
7.24% |
|
07/23/2025 |
7.24% |
|
Date |
APR |
|
10/20/2025 |
7.14% |
|
10/19/2025 |
7.14% |
|
10/18/2025 |
7.14% |
|
10/17/2025 |
7.14% |
|
10/16/2025 |
7.14% |
|
10/15/2025 |
7.14% |
|
10/14/2025 |
7.14% |
|
10/13/2025 |
7.14% |
|
10/12/2025 |
7.14% |
|
10/11/2025 |
7.14% |
|
10/10/2025 |
7.14% |
|
10/09/2025 |
7.14% |
|
10/08/2025 |
7.14% |
|
10/07/2025 |
7.39% |
|
10/06/2025 |
7.39% |
|
10/05/2025 |
7.39% |
|
10/04/2025 |
7.39% |
|
10/03/2025 |
7.39% |
|
10/02/2025 |
7.39% |
|
10/01/2025 |
7.39% |
|
09/30/2025 |
7.39% |
|
09/29/2025 |
7.39% |
|
09/28/2025 |
7.39% |
|
09/27/2025 |
7.39% |
|
09/26/2025 |
7.39% |
|
09/25/2025 |
7.39% |
|
09/24/2025 |
7.39% |
|
09/23/2025 |
7.39% |
|
09/22/2025 |
7.39% |
|
09/21/2025 |
7.39% |
|
09/20/2025 |
7.39% |
|
09/19/2025 |
7.39% |
|
09/18/2025 |
7.39% |
|
09/17/2025 |
7.39% |
|
09/16/2025 |
7.39% |
|
09/15/2025 |
7.39% |
|
09/14/2025 |
7.39% |
|
09/13/2025 |
7.39% |
|
09/12/2025 |
7.39% |
|
09/11/2025 |
7.39% |
|
09/10/2025 |
7.39% |
|
09/09/2025 |
7.39% |
|
09/08/2025 |
7.39% |
|
09/07/2025 |
7.39% |
|
09/06/2025 |
7.39% |
|
09/05/2025 |
7.39% |
|
09/04/2025 |
7.39% |
|
09/03/2025 |
7.39% |
|
09/02/2025 |
7.39% |
|
09/01/2025 |
7.39% |
|
08/31/2025 |
7.39% |
|
08/30/2025 |
7.39% |
|
08/29/2025 |
7.39% |
|
08/28/2025 |
7.39% |
|
08/27/2025 |
7.39% |
|
08/26/2025 |
7.39% |
|
08/25/2025 |
7.39% |
|
08/24/2025 |
7.39% |
|
08/23/2025 |
7.39% |
|
08/22/2025 |
7.39% |
|
08/21/2025 |
7.39% |
|
08/20/2025 |
7.39% |
|
08/19/2025 |
7.39% |
|
08/18/2025 |
7.39% |
|
08/17/2025 |
7.39% |
|
08/16/2025 |
7.39% |
|
08/15/2025 |
7.39% |
|
08/14/2025 |
7.39% |
|
08/13/2025 |
7.39% |
|
08/12/2025 |
7.39% |
|
08/11/2025 |
7.39% |
|
08/10/2025 |
7.39% |
|
08/09/2025 |
7.39% |
|
08/08/2025 |
7.39% |
|
08/07/2025 |
7.39% |
|
08/06/2025 |
7.39% |
|
08/05/2025 |
7.39% |
|
08/04/2025 |
7.39% |
|
08/03/2025 |
7.39% |
|
08/02/2025 |
7.39% |
|
08/01/2025 |
7.39% |
|
07/31/2025 |
7.39% |
|
07/30/2025 |
7.39% |
|
07/29/2025 |
7.39% |
|
07/28/2025 |
7.39% |
|
07/27/2025 |
7.39% |
|
07/26/2025 |
7.39% |
|
07/25/2025 |
7.39% |
|
07/24/2025 |
7.39% |
|
07/23/2025 |
7.39% |
|
Date |
APR |
|
10/20/2025 |
7.74% |
|
10/19/2025 |
7.74% |
|
10/18/2025 |
7.74% |
|
10/17/2025 |
7.74% |
|
10/16/2025 |
7.74% |
|
10/15/2025 |
7.74% |
|
10/14/2025 |
7.74% |
|
10/13/2025 |
7.74% |
|
10/12/2025 |
7.74% |
|
10/11/2025 |
7.74% |
|
10/10/2025 |
7.74% |
|
10/09/2025 |
7.74% |
|
10/08/2025 |
7.74% |
|
10/07/2025 |
7.99% |
|
10/06/2025 |
7.99% |
|
10/05/2025 |
7.99% |
|
10/04/2025 |
7.99% |
|
10/03/2025 |
7.99% |
|
10/02/2025 |
7.99% |
|
10/01/2025 |
7.99% |
|
09/30/2025 |
7.99% |
|
09/29/2025 |
7.99% |
|
09/28/2025 |
7.99% |
|
09/27/2025 |
7.99% |
|
09/26/2025 |
7.99% |
|
09/25/2025 |
7.99% |
|
09/24/2025 |
7.99% |
|
09/23/2025 |
7.99% |
|
09/22/2025 |
7.99% |
|
09/21/2025 |
7.99% |
|
09/20/2025 |
7.99% |
|
09/19/2025 |
7.99% |
|
09/18/2025 |
7.99% |
|
09/17/2025 |
7.99% |
|
09/16/2025 |
7.99% |
|
09/15/2025 |
7.99% |
|
09/14/2025 |
7.99% |
|
09/13/2025 |
7.99% |
|
09/12/2025 |
7.99% |
|
09/11/2025 |
7.99% |
|
09/10/2025 |
7.99% |
|
09/09/2025 |
7.99% |
|
09/08/2025 |
7.99% |
|
09/07/2025 |
7.99% |
|
09/06/2025 |
7.99% |
|
09/05/2025 |
7.99% |
|
09/04/2025 |
7.99% |
|
09/03/2025 |
7.99% |
|
09/02/2025 |
7.99% |
|
09/01/2025 |
7.99% |
|
08/31/2025 |
7.99% |
|
08/30/2025 |
7.99% |
|
08/29/2025 |
7.99% |
|
08/28/2025 |
7.99% |
|
08/27/2025 |
7.99% |
|
08/26/2025 |
7.99% |
|
08/25/2025 |
7.99% |
|
08/24/2025 |
7.99% |
|
08/23/2025 |
7.99% |
|
08/22/2025 |
7.99% |
|
08/21/2025 |
7.99% |
|
08/20/2025 |
7.99% |
|
08/19/2025 |
7.99% |
|
08/18/2025 |
7.99% |
|
08/17/2025 |
7.99% |
|
08/16/2025 |
7.99% |
|
08/15/2025 |
7.99% |
|
08/14/2025 |
7.99% |
|
08/13/2025 |
7.99% |
|
08/12/2025 |
7.99% |
|
08/11/2025 |
7.99% |
|
08/10/2025 |
7.99% |
|
08/09/2025 |
7.99% |
|
08/08/2025 |
7.99% |
|
08/07/2025 |
7.99% |
|
08/06/2025 |
7.99% |
|
08/05/2025 |
7.99% |
|
08/04/2025 |
7.99% |
|
08/03/2025 |
7.99% |
|
08/02/2025 |
7.99% |
|
08/01/2025 |
7.99% |
|
07/31/2025 |
7.99% |
|
07/30/2025 |
7.99% |
|
07/29/2025 |
7.99% |
|
07/28/2025 |
7.99% |
|
07/27/2025 |
7.99% |
|
07/26/2025 |
7.99% |
|
07/25/2025 |
7.99% |
|
07/24/2025 |
7.99% |
|
07/23/2025 |
7.99% |