As of 11/18/2025, MyAutoLoan's daily APRs sit at: 36-month 6.24%, 60-month 6.64%, 72-month 6.74%, and 84-month 7.24%. After a few October moves these rates are holding steady into mid-November — good news if you’re shopping this month.
Rates moved in two clear steps during October. Through late September many terms were higher (roughly +0.3–0.7% above today). Early October brought the first drop, and a second round around 10/22–10/23 pushed rates to the current levels. Since then the daily quotes have been flat, showing lenders reached a new equilibrium.
Auto APRs follow broader borrowing costs: market yields, bank funding, and Fed policy expectations. When those signals cool, lenders can trim APRs. The October declines likely reflect a mix of softer market rates and lenders re-pricing inventories after busy summer sales.
Shorter loan terms still win on rate and total interest paid — the 36‑month is the cheapest. But monthly payments are higher. If you want lower payments, longer terms are available but cost more in interest. With rates stable, now is a reasonable time to lock a competitive deal if your credit and budget are ready.
1) Check multiple lenders — use the comparison table below. 2) Get pre‑approved to strengthen your bargaining position. 3) Improve your credit score where possible (small fixes like paying down cards can help). 4) Consider a bigger down payment or shorter term to lower APR. 5) If you buy now, revisit refinancing in 6–12 months if market rates fall further.
Expect cautious moves tied to economic data and central bank signals. If inflation cools and markets ease, APRs could drift slightly lower; if rates spike on new data, lenders may push APRs up. Plan for modest volatility — don’t wait on a perfect day, but shop smart and lock when you find a deal you like.
We track daily lender quotes so you don’t have to. Scroll down to the table to compare MyAutoLoan’s daily APRs against popular banks and lenders — that’s where the real savings show up.
|
Date |
APR |
|
11/18/2025 |
6.24% |
|
11/17/2025 |
6.24% |
|
11/16/2025 |
6.24% |
|
11/15/2025 |
6.24% |
|
11/14/2025 |
6.24% |
|
11/13/2025 |
6.24% |
|
11/12/2025 |
6.24% |
|
11/11/2025 |
6.24% |
|
11/10/2025 |
6.24% |
|
11/09/2025 |
6.24% |
|
11/08/2025 |
6.24% |
|
11/07/2025 |
6.24% |
|
11/06/2025 |
6.24% |
|
11/05/2025 |
6.24% |
|
11/04/2025 |
6.24% |
|
11/03/2025 |
6.24% |
|
11/02/2025 |
6.24% |
|
11/01/2025 |
6.24% |
|
10/31/2025 |
6.24% |
|
10/30/2025 |
6.24% |
|
10/29/2025 |
6.24% |
|
10/28/2025 |
6.24% |
|
10/27/2025 |
6.24% |
|
10/26/2025 |
6.24% |
|
10/25/2025 |
6.24% |
|
10/24/2025 |
6.24% |
|
10/23/2025 |
6.24% |
|
10/22/2025 |
6.24% |
|
10/21/2025 |
6.49% |
|
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% |
|
Date |
APR |
|
11/18/2025 |
6.64% |
|
11/17/2025 |
6.64% |
|
11/16/2025 |
6.64% |
|
11/15/2025 |
6.64% |
|
11/14/2025 |
6.64% |
|
11/13/2025 |
6.64% |
|
11/12/2025 |
6.64% |
|
11/11/2025 |
6.64% |
|
11/10/2025 |
6.64% |
|
11/09/2025 |
6.64% |
|
11/08/2025 |
6.64% |
|
11/07/2025 |
6.64% |
|
11/06/2025 |
6.64% |
|
11/05/2025 |
6.64% |
|
11/04/2025 |
6.64% |
|
11/03/2025 |
6.64% |
|
11/02/2025 |
6.64% |
|
11/01/2025 |
6.64% |
|
10/31/2025 |
6.64% |
|
10/30/2025 |
6.64% |
|
10/29/2025 |
6.64% |
|
10/28/2025 |
6.64% |
|
10/27/2025 |
6.64% |
|
10/26/2025 |
6.64% |
|
10/25/2025 |
6.64% |
|
10/24/2025 |
6.64% |
|
10/23/2025 |
6.64% |
|
10/22/2025 |
6.64% |
|
10/21/2025 |
6.99% |
|
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% |
|
Date |
APR |
|
11/18/2025 |
6.74% |
|
11/17/2025 |
6.74% |
|
11/16/2025 |
6.74% |
|
11/15/2025 |
6.74% |
|
11/14/2025 |
6.74% |
|
11/13/2025 |
6.74% |
|
11/12/2025 |
6.74% |
|
11/11/2025 |
6.74% |
|
11/10/2025 |
6.74% |
|
11/09/2025 |
6.74% |
|
11/08/2025 |
6.74% |
|
11/07/2025 |
6.74% |
|
11/06/2025 |
6.74% |
|
11/05/2025 |
6.74% |
|
11/04/2025 |
6.74% |
|
11/03/2025 |
6.74% |
|
11/02/2025 |
6.74% |
|
11/01/2025 |
6.74% |
|
10/31/2025 |
6.74% |
|
10/30/2025 |
6.74% |
|
10/29/2025 |
6.74% |
|
10/28/2025 |
6.74% |
|
10/27/2025 |
6.74% |
|
10/26/2025 |
6.74% |
|
10/25/2025 |
6.74% |
|
10/24/2025 |
6.74% |
|
10/23/2025 |
6.74% |
|
10/22/2025 |
6.74% |
|
10/21/2025 |
7.14% |
|
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% |
|
Date |
APR |
|
11/18/2025 |
7.24% |
|
11/17/2025 |
7.24% |
|
11/16/2025 |
7.24% |
|
11/15/2025 |
7.24% |
|
11/14/2025 |
7.24% |
|
11/13/2025 |
7.24% |
|
11/12/2025 |
7.24% |
|
11/11/2025 |
7.24% |
|
11/10/2025 |
7.24% |
|
11/09/2025 |
7.24% |
|
11/08/2025 |
7.24% |
|
11/07/2025 |
7.24% |
|
11/06/2025 |
7.24% |
|
11/05/2025 |
7.24% |
|
11/04/2025 |
7.24% |
|
11/03/2025 |
7.24% |
|
11/02/2025 |
7.24% |
|
11/01/2025 |
7.24% |
|
10/31/2025 |
7.24% |
|
10/30/2025 |
7.24% |
|
10/29/2025 |
7.24% |
|
10/28/2025 |
7.24% |
|
10/27/2025 |
7.24% |
|
10/26/2025 |
7.24% |
|
10/25/2025 |
7.24% |
|
10/24/2025 |
7.24% |
|
10/23/2025 |
7.24% |
|
10/22/2025 |
7.24% |
|
10/21/2025 |
7.74% |
|
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% |