As of 01/17/2026 MyAutoLoan’s published APRs are steady: 36-month at 6.24%, 60-month at 6.64%, 72-month at 6.74% and 84-month at 7.24%. Those numbers have been flat most days since late October 2025, making it easier to plan your next purchase or refinance.
Rates jumped briefly on 10/20–10/21 across all terms (a visible mid‑October blip) before settling back down. Since 10/22 the daily APRs have consistently returned to the current levels, suggesting the spike was a short-lived market reaction rather than a new long-term trend.
After several months of volatility in 2024–2025, the last quarter looked more range‑bound for MyAutoLoan. The current spread between short and long terms is typical: shorter loans (36 months) offer lower APRs, while longer loans add a premium for extended risk.
1) Favor a shorter term if your budget allows — lower APR and less interest paid overall. 2) Improve or confirm your credit score before applying; a point or two can move you into a better rate bracket. 3) Increase your down payment or trade-in value to reduce loan-to-value. 4) Get pre‑approved from multiple lenders (see the comparison table below) so you can negotiate at the dealer. 5) Consider refinancing later if rates drop.
Expect range-bound movement in the near term. If inflation cools and central banks pause hikes, we could see modest declines over several months. Conversely, fresh economic surprises could push short-term volatility back into play. For buyers ready now, locking a rate makes sense; if your purchase can wait and you can monitor macro signals, there’s modest upside to waiting for a small dip.
We track daily APRs so you don’t have to. Use the lender comparison table below, pick the term that balances monthly payment and total interest, and lock a competitive pre‑approval. Smart shopping beats timing the market every time.
|
Date |
APR |
|
01/17/2026 |
6.24% |
|
01/16/2026 |
6.24% |
|
01/15/2026 |
6.24% |
|
01/14/2026 |
6.24% |
|
01/13/2026 |
6.24% |
|
01/12/2026 |
6.24% |
|
01/11/2026 |
6.24% |
|
01/10/2026 |
6.24% |
|
01/09/2026 |
6.24% |
|
01/08/2026 |
6.24% |
|
01/07/2026 |
6.24% |
|
01/06/2026 |
6.24% |
|
01/05/2026 |
6.24% |
|
01/04/2026 |
6.24% |
|
01/03/2026 |
6.24% |
|
01/02/2026 |
6.24% |
|
01/01/2026 |
6.24% |
|
12/31/2025 |
6.24% |
|
12/30/2025 |
6.24% |
|
12/29/2025 |
6.24% |
|
12/28/2025 |
6.24% |
|
12/27/2025 |
6.24% |
|
12/26/2025 |
6.24% |
|
12/25/2025 |
6.24% |
|
12/24/2025 |
6.24% |
|
12/23/2025 |
6.24% |
|
12/22/2025 |
6.24% |
|
12/21/2025 |
6.24% |
|
12/20/2025 |
6.24% |
|
12/19/2025 |
6.24% |
|
12/18/2025 |
6.24% |
|
12/17/2025 |
6.24% |
|
12/16/2025 |
6.24% |
|
12/15/2025 |
6.24% |
|
12/14/2025 |
6.24% |
|
12/13/2025 |
6.24% |
|
12/12/2025 |
6.24% |
|
12/11/2025 |
6.24% |
|
12/10/2025 |
6.24% |
|
12/09/2025 |
6.24% |
|
12/08/2025 |
6.24% |
|
12/07/2025 |
6.24% |
|
12/06/2025 |
6.24% |
|
12/05/2025 |
6.24% |
|
12/04/2025 |
6.24% |
|
12/03/2025 |
6.24% |
|
12/02/2025 |
6.24% |
|
12/01/2025 |
6.24% |
|
11/30/2025 |
6.24% |
|
11/29/2025 |
6.24% |
|
11/28/2025 |
6.24% |
|
11/27/2025 |
6.24% |
|
11/26/2025 |
6.24% |
|
11/25/2025 |
6.24% |
|
11/24/2025 |
6.24% |
|
11/23/2025 |
6.24% |
|
11/22/2025 |
6.24% |
|
11/21/2025 |
6.24% |
|
11/20/2025 |
6.24% |
|
11/19/2025 |
6.24% |
|
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% |
|
Date |
APR |
|
01/17/2026 |
6.64% |
|
01/16/2026 |
6.64% |
|
01/15/2026 |
6.64% |
|
01/14/2026 |
6.64% |
|
01/13/2026 |
6.64% |
|
01/12/2026 |
6.64% |
|
01/11/2026 |
6.64% |
|
01/10/2026 |
6.64% |
|
01/09/2026 |
6.64% |
|
01/08/2026 |
6.64% |
|
01/07/2026 |
6.64% |
|
01/06/2026 |
6.64% |
|
01/05/2026 |
6.64% |
|
01/04/2026 |
6.64% |
|
01/03/2026 |
6.64% |
|
01/02/2026 |
6.64% |
|
01/01/2026 |
6.64% |
|
12/31/2025 |
6.64% |
|
12/30/2025 |
6.64% |
|
12/29/2025 |
6.64% |
|
12/28/2025 |
6.64% |
|
12/27/2025 |
6.64% |
|
12/26/2025 |
6.64% |
|
12/25/2025 |
6.64% |
|
12/24/2025 |
6.64% |
|
12/23/2025 |
6.64% |
|
12/22/2025 |
6.64% |
|
12/21/2025 |
6.64% |
|
12/20/2025 |
6.64% |
|
12/19/2025 |
6.64% |
|
12/18/2025 |
6.64% |
|
12/17/2025 |
6.64% |
|
12/16/2025 |
6.64% |
|
12/15/2025 |
6.64% |
|
12/14/2025 |
6.64% |
|
12/13/2025 |
6.64% |
|
12/12/2025 |
6.64% |
|
12/11/2025 |
6.64% |
|
12/10/2025 |
6.64% |
|
12/09/2025 |
6.64% |
|
12/08/2025 |
6.64% |
|
12/07/2025 |
6.64% |
|
12/06/2025 |
6.64% |
|
12/05/2025 |
6.64% |
|
12/04/2025 |
6.64% |
|
12/03/2025 |
6.64% |
|
12/02/2025 |
6.64% |
|
12/01/2025 |
6.64% |
|
11/30/2025 |
6.64% |
|
11/29/2025 |
6.64% |
|
11/28/2025 |
6.64% |
|
11/27/2025 |
6.64% |
|
11/26/2025 |
6.64% |
|
11/25/2025 |
6.64% |
|
11/24/2025 |
6.64% |
|
11/23/2025 |
6.64% |
|
11/22/2025 |
6.64% |
|
11/21/2025 |
6.64% |
|
11/20/2025 |
6.64% |
|
11/19/2025 |
6.64% |
|
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% |
|
Date |
APR |
|
01/17/2026 |
6.74% |
|
01/16/2026 |
6.74% |
|
01/15/2026 |
6.74% |
|
01/14/2026 |
6.74% |
|
01/13/2026 |
6.74% |
|
01/12/2026 |
6.74% |
|
01/11/2026 |
6.74% |
|
01/10/2026 |
6.74% |
|
01/09/2026 |
6.74% |
|
01/08/2026 |
6.74% |
|
01/07/2026 |
6.74% |
|
01/06/2026 |
6.74% |
|
01/05/2026 |
6.74% |
|
01/04/2026 |
6.74% |
|
01/03/2026 |
6.74% |
|
01/02/2026 |
6.74% |
|
01/01/2026 |
6.74% |
|
12/31/2025 |
6.74% |
|
12/30/2025 |
6.74% |
|
12/29/2025 |
6.74% |
|
12/28/2025 |
6.74% |
|
12/27/2025 |
6.74% |
|
12/26/2025 |
6.74% |
|
12/25/2025 |
6.74% |
|
12/24/2025 |
6.74% |
|
12/23/2025 |
6.74% |
|
12/22/2025 |
6.74% |
|
12/21/2025 |
6.74% |
|
12/20/2025 |
6.74% |
|
12/19/2025 |
6.74% |
|
12/18/2025 |
6.74% |
|
12/17/2025 |
6.74% |
|
12/16/2025 |
6.74% |
|
12/15/2025 |
6.74% |
|
12/14/2025 |
6.74% |
|
12/13/2025 |
6.74% |
|
12/12/2025 |
6.74% |
|
12/11/2025 |
6.74% |
|
12/10/2025 |
6.74% |
|
12/09/2025 |
6.74% |
|
12/08/2025 |
6.74% |
|
12/07/2025 |
6.74% |
|
12/06/2025 |
6.74% |
|
12/05/2025 |
6.74% |
|
12/04/2025 |
6.74% |
|
12/03/2025 |
6.74% |
|
12/02/2025 |
6.74% |
|
12/01/2025 |
6.74% |
|
11/30/2025 |
6.74% |
|
11/29/2025 |
6.74% |
|
11/28/2025 |
6.74% |
|
11/27/2025 |
6.74% |
|
11/26/2025 |
6.74% |
|
11/25/2025 |
6.74% |
|
11/24/2025 |
6.74% |
|
11/23/2025 |
6.74% |
|
11/22/2025 |
6.74% |
|
11/21/2025 |
6.74% |
|
11/20/2025 |
6.74% |
|
11/19/2025 |
6.74% |
|
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% |
|
Date |
APR |
|
01/17/2026 |
7.24% |
|
01/16/2026 |
7.24% |
|
01/15/2026 |
7.24% |
|
01/14/2026 |
7.24% |
|
01/13/2026 |
7.24% |
|
01/12/2026 |
7.24% |
|
01/11/2026 |
7.24% |
|
01/10/2026 |
7.24% |
|
01/09/2026 |
7.24% |
|
01/08/2026 |
7.24% |
|
01/07/2026 |
7.24% |
|
01/06/2026 |
7.24% |
|
01/05/2026 |
7.24% |
|
01/04/2026 |
7.24% |
|
01/03/2026 |
7.24% |
|
01/02/2026 |
7.24% |
|
01/01/2026 |
7.24% |
|
12/31/2025 |
7.24% |
|
12/30/2025 |
7.24% |
|
12/29/2025 |
7.24% |
|
12/28/2025 |
7.24% |
|
12/27/2025 |
7.24% |
|
12/26/2025 |
7.24% |
|
12/25/2025 |
7.24% |
|
12/24/2025 |
7.24% |
|
12/23/2025 |
7.24% |
|
12/22/2025 |
7.24% |
|
12/21/2025 |
7.24% |
|
12/20/2025 |
7.24% |
|
12/19/2025 |
7.24% |
|
12/18/2025 |
7.24% |
|
12/17/2025 |
7.24% |
|
12/16/2025 |
7.24% |
|
12/15/2025 |
7.24% |
|
12/14/2025 |
7.24% |
|
12/13/2025 |
7.24% |
|
12/12/2025 |
7.24% |
|
12/11/2025 |
7.24% |
|
12/10/2025 |
7.24% |
|
12/09/2025 |
7.24% |
|
12/08/2025 |
7.24% |
|
12/07/2025 |
7.24% |
|
12/06/2025 |
7.24% |
|
12/05/2025 |
7.24% |
|
12/04/2025 |
7.24% |
|
12/03/2025 |
7.24% |
|
12/02/2025 |
7.24% |
|
12/01/2025 |
7.24% |
|
11/30/2025 |
7.24% |
|
11/29/2025 |
7.24% |
|
11/28/2025 |
7.24% |
|
11/27/2025 |
7.24% |
|
11/26/2025 |
7.24% |
|
11/25/2025 |
7.24% |
|
11/24/2025 |
7.24% |
|
11/23/2025 |
7.24% |
|
11/22/2025 |
7.24% |
|
11/21/2025 |
7.24% |
|
11/20/2025 |
7.24% |
|
11/19/2025 |
7.24% |
|
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% |