AutoLoanRate.com is tracking MyAutoLoan's daily refinance APRs: 36‑month at 4.09%, 60‑month at 4.97%, 72‑month at 5.27% and 84‑month at 5.24% (as of 01/10/2026). After a mid‑October wobble—when 36‑month was around 5.34% and the longer terms dipped into the high‑4s—rates moved into a new pattern and have stayed remarkably steady through late December and early January.
Mid‑October showed short‑term volatility: some terms dropped, others rose. Since about 10/22/2025 the market settled: the 36‑month rate fell sharply and held, while 60/72/84‑month rates climbed a bit and stabilized. That means refinance opportunities changed quickly in late October, then gave borrowers a consistent window to act.
If you’re weighing a refinance, the 36‑month at 4.09% is the standout for saving interest over the life of the loan—but expect higher monthly payments. The 60‑ to 84‑month loans trade lower monthly payments for more interest long term. Your best move depends on priorities: lower monthly cash flow or lower total interest.
Know your credit score and get it as clean as possible before applying; small score jumps can unlock noticeably better APRs. Compare multiple lenders and use the table further down the page (we already included it) to see daily APRs side‑by‑side. Ask about fees, prepayment penalties and whether the quoted APR is for the best available rate. Consider shortening your term if the payment fits—small rate differences add up into big savings.
Short term: expect continued stability unless economic data or central bank moves change expectations. If central banks ease policy or inflation cools, longer‑term rates could drift down; if inflation surprises higher or markets get jittery, rates can rise. Monitor headlines and watch the daily APRs on this page for real‑time signals.
Late‑October repricing created better options for some borrowers and steadier rates since then. Use AutoLoanRate.com to compare daily APRs, get pre‑qualified quotes, and time your refinance to match your budget and goals. When rates are steady, being prepared wins.
|
Date |
APR |
|
01/10/2026 |
4.09% |
|
01/09/2026 |
4.09% |
|
01/08/2026 |
4.09% |
|
01/07/2026 |
4.09% |
|
01/06/2026 |
4.09% |
|
01/05/2026 |
4.09% |
|
01/04/2026 |
4.09% |
|
01/03/2026 |
4.09% |
|
01/02/2026 |
4.09% |
|
01/01/2026 |
4.09% |
|
12/31/2025 |
4.09% |
|
12/30/2025 |
4.09% |
|
12/29/2025 |
4.09% |
|
12/28/2025 |
4.09% |
|
12/27/2025 |
4.09% |
|
12/26/2025 |
4.09% |
|
12/25/2025 |
4.09% |
|
12/24/2025 |
4.09% |
|
12/23/2025 |
4.09% |
|
12/22/2025 |
4.09% |
|
12/21/2025 |
4.09% |
|
12/20/2025 |
4.09% |
|
12/19/2025 |
4.09% |
|
12/18/2025 |
4.09% |
|
12/17/2025 |
4.09% |
|
12/16/2025 |
4.09% |
|
12/15/2025 |
4.09% |
|
12/14/2025 |
4.09% |
|
12/13/2025 |
4.09% |
|
12/12/2025 |
4.09% |
|
12/11/2025 |
4.09% |
|
12/10/2025 |
4.09% |
|
12/09/2025 |
4.09% |
|
12/08/2025 |
4.09% |
|
12/07/2025 |
4.09% |
|
12/06/2025 |
4.09% |
|
12/05/2025 |
4.09% |
|
12/04/2025 |
4.09% |
|
12/03/2025 |
4.09% |
|
12/02/2025 |
4.09% |
|
12/01/2025 |
4.09% |
|
11/30/2025 |
4.09% |
|
11/29/2025 |
4.09% |
|
11/28/2025 |
4.09% |
|
11/27/2025 |
4.09% |
|
11/26/2025 |
4.09% |
|
11/25/2025 |
4.09% |
|
11/24/2025 |
4.09% |
|
11/23/2025 |
4.09% |
|
11/22/2025 |
4.09% |
|
11/21/2025 |
4.09% |
|
11/20/2025 |
4.09% |
|
11/19/2025 |
4.09% |
|
11/18/2025 |
4.09% |
|
11/17/2025 |
4.09% |
|
11/16/2025 |
4.09% |
|
11/15/2025 |
4.09% |
|
11/14/2025 |
4.09% |
|
11/13/2025 |
4.09% |
|
11/12/2025 |
4.09% |
|
11/11/2025 |
4.09% |
|
11/10/2025 |
4.09% |
|
11/09/2025 |
4.09% |
|
11/08/2025 |
4.09% |
|
11/07/2025 |
4.09% |
|
11/06/2025 |
4.09% |
|
11/05/2025 |
4.09% |
|
11/04/2025 |
4.09% |
|
11/03/2025 |
4.09% |
|
11/02/2025 |
4.09% |
|
11/01/2025 |
4.09% |
|
10/31/2025 |
4.09% |
|
10/30/2025 |
4.09% |
|
10/29/2025 |
4.09% |
|
10/28/2025 |
4.09% |
|
10/27/2025 |
4.09% |
|
10/26/2025 |
4.09% |
|
10/25/2025 |
4.09% |
|
10/24/2025 |
4.09% |
|
10/23/2025 |
4.09% |
|
10/22/2025 |
4.09% |
|
10/21/2025 |
5.34% |
|
10/20/2025 |
5.34% |
|
10/19/2025 |
5.34% |
|
10/18/2025 |
5.34% |
|
10/17/2025 |
5.34% |
|
10/16/2025 |
5.34% |
|
10/15/2025 |
5.34% |
|
10/14/2025 |
5.34% |
|
10/13/2025 |
5.34% |
|
Date |
APR |
|
01/10/2026 |
4.97% |
|
01/09/2026 |
4.97% |
|
01/08/2026 |
4.97% |
|
01/07/2026 |
4.97% |
|
01/06/2026 |
4.97% |
|
01/05/2026 |
4.97% |
|
01/04/2026 |
4.97% |
|
01/03/2026 |
4.97% |
|
01/02/2026 |
4.97% |
|
01/01/2026 |
4.97% |
|
12/31/2025 |
4.97% |
|
12/30/2025 |
4.97% |
|
12/29/2025 |
4.97% |
|
12/28/2025 |
4.97% |
|
12/27/2025 |
4.97% |
|
12/26/2025 |
4.97% |
|
12/25/2025 |
4.97% |
|
12/24/2025 |
4.97% |
|
12/23/2025 |
4.97% |
|
12/22/2025 |
4.97% |
|
12/21/2025 |
4.97% |
|
12/20/2025 |
4.97% |
|
12/19/2025 |
4.97% |
|
12/18/2025 |
4.97% |
|
12/17/2025 |
4.97% |
|
12/16/2025 |
4.97% |
|
12/15/2025 |
4.97% |
|
12/14/2025 |
4.97% |
|
12/13/2025 |
4.97% |
|
12/12/2025 |
4.97% |
|
12/11/2025 |
4.97% |
|
12/10/2025 |
4.97% |
|
12/09/2025 |
4.97% |
|
12/08/2025 |
4.97% |
|
12/07/2025 |
4.97% |
|
12/06/2025 |
4.97% |
|
12/05/2025 |
4.97% |
|
12/04/2025 |
4.97% |
|
12/03/2025 |
4.97% |
|
12/02/2025 |
4.97% |
|
12/01/2025 |
4.97% |
|
11/30/2025 |
4.97% |
|
11/29/2025 |
4.97% |
|
11/28/2025 |
4.97% |
|
11/27/2025 |
4.97% |
|
11/26/2025 |
4.97% |
|
11/25/2025 |
4.97% |
|
11/24/2025 |
4.97% |
|
11/23/2025 |
4.97% |
|
11/22/2025 |
4.97% |
|
11/21/2025 |
4.97% |
|
11/20/2025 |
4.97% |
|
11/19/2025 |
4.97% |
|
11/18/2025 |
4.97% |
|
11/17/2025 |
4.97% |
|
11/16/2025 |
4.97% |
|
11/15/2025 |
4.97% |
|
11/14/2025 |
4.97% |
|
11/13/2025 |
4.97% |
|
11/12/2025 |
4.97% |
|
11/11/2025 |
4.97% |
|
11/10/2025 |
4.97% |
|
11/09/2025 |
4.97% |
|
11/08/2025 |
4.97% |
|
11/07/2025 |
4.97% |
|
11/06/2025 |
4.97% |
|
11/05/2025 |
4.97% |
|
11/04/2025 |
4.97% |
|
11/03/2025 |
4.97% |
|
11/02/2025 |
4.97% |
|
11/01/2025 |
4.97% |
|
10/31/2025 |
4.97% |
|
10/30/2025 |
4.97% |
|
10/29/2025 |
4.97% |
|
10/28/2025 |
4.97% |
|
10/27/2025 |
4.97% |
|
10/26/2025 |
4.97% |
|
10/25/2025 |
4.97% |
|
10/24/2025 |
4.97% |
|
10/23/2025 |
4.97% |
|
10/22/2025 |
4.97% |
|
10/21/2025 |
4.74% |
|
10/20/2025 |
4.74% |
|
10/19/2025 |
4.74% |
|
10/18/2025 |
4.74% |
|
10/17/2025 |
4.74% |
|
10/16/2025 |
4.74% |
|
10/15/2025 |
4.74% |
|
10/14/2025 |
4.74% |
|
10/13/2025 |
4.74% |
|
Date |
APR |
|
01/10/2026 |
5.27% |
|
01/09/2026 |
5.27% |
|
01/08/2026 |
5.27% |
|
01/07/2026 |
5.27% |
|
01/06/2026 |
5.27% |
|
01/05/2026 |
5.27% |
|
01/04/2026 |
5.27% |
|
01/03/2026 |
5.27% |
|
01/02/2026 |
5.27% |
|
01/01/2026 |
5.27% |
|
12/31/2025 |
5.27% |
|
12/30/2025 |
5.27% |
|
12/29/2025 |
5.27% |
|
12/28/2025 |
5.27% |
|
12/27/2025 |
5.27% |
|
12/26/2025 |
5.27% |
|
12/25/2025 |
5.27% |
|
12/24/2025 |
5.27% |
|
12/23/2025 |
5.27% |
|
12/22/2025 |
5.27% |
|
12/21/2025 |
5.27% |
|
12/20/2025 |
5.27% |
|
12/19/2025 |
5.27% |
|
12/18/2025 |
5.27% |
|
12/17/2025 |
5.27% |
|
12/16/2025 |
5.27% |
|
12/15/2025 |
5.27% |
|
12/14/2025 |
5.27% |
|
12/13/2025 |
5.27% |
|
12/12/2025 |
5.27% |
|
12/11/2025 |
5.27% |
|
12/10/2025 |
5.27% |
|
12/09/2025 |
5.27% |
|
12/08/2025 |
5.27% |
|
12/07/2025 |
5.27% |
|
12/06/2025 |
5.27% |
|
12/05/2025 |
5.27% |
|
12/04/2025 |
5.27% |
|
12/03/2025 |
5.27% |
|
12/02/2025 |
5.27% |
|
12/01/2025 |
5.27% |
|
11/30/2025 |
5.27% |
|
11/29/2025 |
5.27% |
|
11/28/2025 |
5.27% |
|
11/27/2025 |
5.27% |
|
11/26/2025 |
5.27% |
|
11/25/2025 |
5.27% |
|
11/24/2025 |
5.27% |
|
11/23/2025 |
5.27% |
|
11/22/2025 |
5.27% |
|
11/21/2025 |
5.27% |
|
11/20/2025 |
5.27% |
|
11/19/2025 |
5.27% |
|
11/18/2025 |
5.27% |
|
11/17/2025 |
5.27% |
|
11/16/2025 |
5.27% |
|
11/15/2025 |
5.27% |
|
11/14/2025 |
5.27% |
|
11/13/2025 |
5.27% |
|
11/12/2025 |
5.27% |
|
11/11/2025 |
5.27% |
|
11/10/2025 |
5.27% |
|
11/09/2025 |
5.27% |
|
11/08/2025 |
5.27% |
|
11/07/2025 |
5.27% |
|
11/06/2025 |
5.27% |
|
11/05/2025 |
5.27% |
|
11/04/2025 |
5.27% |
|
11/03/2025 |
5.27% |
|
11/02/2025 |
5.27% |
|
11/01/2025 |
5.27% |
|
10/31/2025 |
5.27% |
|
10/30/2025 |
5.27% |
|
10/29/2025 |
5.27% |
|
10/28/2025 |
5.27% |
|
10/27/2025 |
5.27% |
|
10/26/2025 |
5.27% |
|
10/25/2025 |
5.27% |
|
10/24/2025 |
5.27% |
|
10/23/2025 |
5.27% |
|
10/22/2025 |
5.27% |
|
10/21/2025 |
5.27% |
|
10/20/2025 |
5.27% |
|
10/19/2025 |
5.27% |
|
10/18/2025 |
5.27% |
|
10/17/2025 |
5.27% |
|
10/16/2025 |
5.27% |
|
10/15/2025 |
5.27% |
|
10/14/2025 |
5.27% |
|
10/13/2025 |
5.27% |
|
Date |
APR |
|
01/10/2026 |
5.24% |
|
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 |
4.99% |
|
10/20/2025 |
4.99% |
|
10/19/2025 |
4.99% |
|
10/18/2025 |
4.99% |
|
10/17/2025 |
4.99% |
|
10/16/2025 |
4.99% |
|
10/15/2025 |
4.99% |
|
10/14/2025 |
4.99% |
|
10/13/2025 |
4.99% |