Quick read: MyAutoLoan’s daily APRs show mixed moves this week. 36-month is 6.49% (up from ~5.98% in February), 60-month is 5.74% (down from ~6.46%), 72-month is 6.99% (up from ~6.74%), and 84-month sits at 7.14% (slightly below the 7.24% level seen earlier). After a mostly steady December–January, February brought shifts and early March added another nudge in both directions.
From December through mid-January the four common new-car terms held steady in narrow bands: mid-6% for 36–72 month loans and low-7% on the longest terms. In February many terms edged lower (notably 36- and 60-month slipped), then late-February to early-March produced a bounce for some terms and a drop for others. The result: short- and medium-term rates are flirting with sub-6% territory (60-month today), while longer loans remain above 6.7%.
Daily APRs for new-car loans move for two reasons: lender pricing reacting to market rates and competitive deals, and broader financial factors (Fed policy shifts, bond yields, used-car values). Small daily swings are normal; multi-week trends tell the real story. Right now the market is showing short-lived volatility rather than a clear, sustained trend.
Shop more than one lender. Credit unions and online banks often beat dealer financing.
Get preapproved before you walk onto a lot — it gives bargaining power and clarifies your true APR options.
Shorter terms almost always mean lower APRs; if you can afford the payment, aim for 36–60 months to save interest.
Improve your credit score and put more down to lower the rate; even a small percentage point change in APR saves hundreds over a loan.
If rates drop after you buy, consider refinancing — many borrowers save enough to justify the paperwork.
Expect modest moves rather than dramatic swings. If inflation cools and the Fed pivots, mid-term rates (like 60 months) could drift lower. If economic data surprises to the upside, rates could tick up again. Bottom line: if you see a rate you like for your loan term and monthly payment, locking it in usually makes sense—waiting for perfection costs time and sometimes cash.
Scroll down for the daily APR comparison table of popular banks and lenders. AutoLoanRate.com updates these numbers so you can compare offers and pick the loan that fits your budget and timeline. Ready to shop smart? Start with preapproval and use the table below to compare today’s best deals.
|
Date |
APR |
|
03/05/2026 |
6.49% |
|
03/04/2026 |
6.49% |
|
03/03/2026 |
6.49% |
|
03/02/2026 |
6.49% |
|
03/01/2026 |
6.49% |
|
02/28/2026 |
6.49% |
|
02/27/2026 |
6.49% |
|
02/26/2026 |
6.49% |
|
02/25/2026 |
6.49% |
|
02/24/2026 |
6.49% |
|
02/23/2026 |
5.98% |
|
02/22/2026 |
5.98% |
|
02/21/2026 |
5.98% |
|
02/20/2026 |
5.98% |
|
02/19/2026 |
5.98% |
|
02/18/2026 |
5.98% |
|
02/17/2026 |
5.98% |
|
02/16/2026 |
5.98% |
|
02/15/2026 |
5.98% |
|
02/14/2026 |
5.98% |
|
02/13/2026 |
5.98% |
|
02/12/2026 |
5.98% |
|
02/11/2026 |
5.98% |
|
02/10/2026 |
5.98% |
|
02/09/2026 |
5.98% |
|
02/08/2026 |
5.98% |
|
02/07/2026 |
5.98% |
|
02/06/2026 |
5.98% |
|
02/05/2026 |
5.98% |
|
02/04/2026 |
5.98% |
|
02/03/2026 |
5.98% |
|
02/02/2026 |
5.98% |
|
02/01/2026 |
5.98% |
|
01/31/2026 |
5.98% |
|
01/30/2026 |
5.98% |
|
01/29/2026 |
5.98% |
|
01/28/2026 |
5.98% |
|
01/27/2026 |
5.98% |
|
01/26/2026 |
6.24% |
|
01/25/2026 |
6.24% |
|
01/24/2026 |
6.24% |
|
01/23/2026 |
6.24% |
|
01/22/2026 |
6.24% |
|
01/21/2026 |
6.24% |
|
01/20/2026 |
6.24% |
|
01/19/2026 |
6.24% |
|
01/18/2026 |
6.24% |
|
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% |
|
Date |
APR |
|
03/05/2026 |
5.74% |
|
03/04/2026 |
5.74% |
|
03/03/2026 |
5.74% |
|
03/02/2026 |
5.74% |
|
03/01/2026 |
5.74% |
|
02/28/2026 |
5.74% |
|
02/27/2026 |
5.74% |
|
02/26/2026 |
5.74% |
|
02/25/2026 |
5.74% |
|
02/24/2026 |
5.74% |
|
02/23/2026 |
6.46% |
|
02/22/2026 |
6.46% |
|
02/21/2026 |
6.46% |
|
02/20/2026 |
6.46% |
|
02/19/2026 |
6.46% |
|
02/18/2026 |
6.46% |
|
02/17/2026 |
6.46% |
|
02/16/2026 |
6.46% |
|
02/15/2026 |
6.46% |
|
02/14/2026 |
6.46% |
|
02/13/2026 |
6.46% |
|
02/12/2026 |
6.46% |
|
02/11/2026 |
6.46% |
|
02/10/2026 |
6.46% |
|
02/09/2026 |
6.46% |
|
02/08/2026 |
6.46% |
|
02/07/2026 |
6.46% |
|
02/06/2026 |
6.46% |
|
02/05/2026 |
6.46% |
|
02/04/2026 |
6.46% |
|
02/03/2026 |
6.46% |
|
02/02/2026 |
6.46% |
|
02/01/2026 |
6.46% |
|
01/31/2026 |
6.46% |
|
01/30/2026 |
6.46% |
|
01/29/2026 |
6.46% |
|
01/28/2026 |
6.46% |
|
01/27/2026 |
6.46% |
|
01/26/2026 |
6.64% |
|
01/25/2026 |
6.64% |
|
01/24/2026 |
6.64% |
|
01/23/2026 |
6.64% |
|
01/22/2026 |
6.64% |
|
01/21/2026 |
6.64% |
|
01/20/2026 |
6.64% |
|
01/19/2026 |
6.64% |
|
01/18/2026 |
6.64% |
|
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% |
|
Date |
APR |
|
03/05/2026 |
6.99% |
|
03/04/2026 |
6.99% |
|
03/03/2026 |
6.99% |
|
03/02/2026 |
6.99% |
|
03/01/2026 |
6.99% |
|
02/28/2026 |
6.99% |
|
02/27/2026 |
6.99% |
|
02/26/2026 |
6.99% |
|
02/25/2026 |
6.99% |
|
02/24/2026 |
6.99% |
|
02/23/2026 |
6.74% |
|
02/22/2026 |
6.74% |
|
02/21/2026 |
6.74% |
|
02/20/2026 |
6.74% |
|
02/19/2026 |
6.74% |
|
02/18/2026 |
6.74% |
|
02/17/2026 |
6.74% |
|
02/16/2026 |
6.74% |
|
02/15/2026 |
6.74% |
|
02/14/2026 |
6.74% |
|
02/13/2026 |
6.74% |
|
02/12/2026 |
6.74% |
|
02/11/2026 |
6.74% |
|
02/10/2026 |
6.74% |
|
02/09/2026 |
6.74% |
|
02/08/2026 |
6.74% |
|
02/07/2026 |
6.74% |
|
02/06/2026 |
6.74% |
|
02/05/2026 |
6.74% |
|
02/04/2026 |
6.74% |
|
02/03/2026 |
6.74% |
|
02/02/2026 |
6.74% |
|
02/01/2026 |
6.74% |
|
01/31/2026 |
6.74% |
|
01/30/2026 |
6.74% |
|
01/29/2026 |
6.74% |
|
01/28/2026 |
6.74% |
|
01/27/2026 |
6.74% |
|
01/26/2026 |
6.74% |
|
01/25/2026 |
6.74% |
|
01/24/2026 |
6.74% |
|
01/23/2026 |
6.74% |
|
01/22/2026 |
6.74% |
|
01/21/2026 |
6.74% |
|
01/20/2026 |
6.74% |
|
01/19/2026 |
6.74% |
|
01/18/2026 |
6.74% |
|
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% |
|
Date |
APR |
|
03/05/2026 |
7.14% |
|
03/04/2026 |
7.14% |
|
03/03/2026 |
7.14% |
|
03/02/2026 |
7.14% |
|
03/01/2026 |
7.14% |
|
02/28/2026 |
7.14% |
|
02/27/2026 |
7.14% |
|
02/26/2026 |
7.14% |
|
02/25/2026 |
7.14% |
|
02/24/2026 |
7.14% |
|
02/23/2026 |
7.24% |
|
02/22/2026 |
7.24% |
|
02/21/2026 |
7.24% |
|
02/20/2026 |
7.24% |
|
02/19/2026 |
7.24% |
|
02/18/2026 |
7.24% |
|
02/17/2026 |
7.24% |
|
02/16/2026 |
7.24% |
|
02/15/2026 |
7.24% |
|
02/14/2026 |
7.24% |
|
02/13/2026 |
7.24% |
|
02/12/2026 |
7.24% |
|
02/11/2026 |
7.24% |
|
02/10/2026 |
7.24% |
|
02/09/2026 |
7.24% |
|
02/08/2026 |
7.24% |
|
02/07/2026 |
7.24% |
|
02/06/2026 |
7.24% |
|
02/05/2026 |
7.24% |
|
02/04/2026 |
7.24% |
|
02/03/2026 |
7.24% |
|
02/02/2026 |
7.24% |
|
02/01/2026 |
7.24% |
|
01/31/2026 |
7.24% |
|
01/30/2026 |
7.24% |
|
01/29/2026 |
7.24% |
|
01/28/2026 |
7.24% |
|
01/27/2026 |
7.24% |
|
01/26/2026 |
7.24% |
|
01/25/2026 |
7.24% |
|
01/24/2026 |
7.24% |
|
01/23/2026 |
7.24% |
|
01/22/2026 |
7.24% |
|
01/21/2026 |
7.24% |
|
01/20/2026 |
7.24% |
|
01/19/2026 |
7.24% |
|
01/18/2026 |
7.24% |
|
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% |