Latest daily tracking shows a clear split: the 36‑month refinance APR sits at 4.09% and has remained stable since late October. Longer terms are higher — 60‑month around 4.97%, 72‑month about 5.27% and 84‑month roughly 5.24% — and have been steady through mid‑January.
In late October MyAutoLoan’s 36‑month rate dropped sharply (from the mid‑5% range) and has held that lower level since. Meanwhile some longer-term rates ticked up slightly around the same time before flattening out. The result: the shortest term now offers the most attractive APR on a refinance.
Rates moved more in October than they have since. After that shift, daily APRs have been remarkably consistent for weeks. For borrowers, that consistency means pricing is predictable right now — useful when you’re timing a refinance or comparing offers.
Check your credit score and correct any errors — every 10–20 points can shift offers. Get payoff and remaining‑term info from your current lender so you can compare apples to apples. Run quotes with several lenders (credit unions, banks, online) and include any fees or prepayment penalties in your math.
If you can handle higher monthly payments, a 36‑month refinance at ~4.09% will save you the most interest. If cash flow is tight, a 60‑ or 72‑month loan at the current rates spreads payments out but costs more over time — do the total‑interest math, not just monthly cost.
Right now rates look range‑bound: the big move already happened in October and markets have been calm since. If inflation softens and central bank policy eases, expect gradual declines; if economic surprises pop up, rates could bounce up again. Short term: modest movement likely, not wild swings.
1) Pull soft prequalifications to compare APRs without hurting your score. 2) Confirm total cost (fees + interest). 3) Verify no prepay penalty. 4) Lock the rate once you’re comfortable. And remember — the table below compares daily APRs from popular banks and lenders so you can spot the best deal fast.
|
Date |
APR |
|
01/17/2026 |
4.09% |
|
01/16/2026 |
4.09% |
|
01/15/2026 |
4.09% |
|
01/14/2026 |
4.09% |
|
01/13/2026 |
4.09% |
|
01/12/2026 |
4.09% |
|
01/11/2026 |
4.09% |
|
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% |
|
Date |
APR |
|
01/17/2026 |
4.97% |
|
01/16/2026 |
4.97% |
|
01/15/2026 |
4.97% |
|
01/14/2026 |
4.97% |
|
01/13/2026 |
4.97% |
|
01/12/2026 |
4.97% |
|
01/11/2026 |
4.97% |
|
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% |
|
Date |
APR |
|
01/17/2026 |
5.27% |
|
01/16/2026 |
5.27% |
|
01/15/2026 |
5.27% |
|
01/14/2026 |
5.27% |
|
01/13/2026 |
5.27% |
|
01/12/2026 |
5.27% |
|
01/11/2026 |
5.27% |
|
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% |
|
Date |
APR |
|
01/17/2026 |
5.24% |
|
01/16/2026 |
5.24% |
|
01/15/2026 |
5.24% |
|
01/14/2026 |
5.24% |
|
01/13/2026 |
5.24% |
|
01/12/2026 |
5.24% |
|
01/11/2026 |
5.24% |
|
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% |