AutoLoanRate.com tracks MyAutoLoan daily APRs. Right now shorter terms lead the pack: 36-month at 4.09%, 60-month at 4.97%, 72-month at 5.27% and 84-month at 5.24%. Those numbers have been fairly stable over the past few weeks — useful if you're timing a refinance.
After summer and early fall levels hovering around 4.9–5.5%, mid‑October brought a notable shift. The 36‑month rate dropped sharply to 4.09 around Oct 22 and has stayed there since. Mid- and long-term rates moved less dramatically and have mostly flattened: 60‑month around high 4s, and 72/84 months in the mid‑5s. In short: short-term refinance deals improved more than longer-term ones recently.
Through August and September many lenders priced loans in the 4.9–5.5% band (longer terms often higher). Volatility through September/October reflected markets reacting to economic data and Fed expectations. The late‑October drop for the 36‑month term is an outlier compared with the gradual easing elsewhere — likely a lender-level pricing move rather than a broad market collapse.
Expect range‑bound movement unless a big macro surprise occurs: stronger or weaker inflation prints, or a Fed policy shift. If inflation cools and markets price rate cuts further out, we could see gradual declines. Conversely, signs of persistent inflation or faster growth could push APRs up again. For most borrowers, small day‑to‑day swings won’t change the refinance decision — bigger moves from central bank cues will.
1) Compare across terms — shorter terms can have much lower APRs but higher monthly payments. 2) Shop multiple lenders; advertised APRs vary by credit score and loan-to-value. 3) Check for prepayment penalties or fees — savings should exceed closing costs. 4) Improve your profile: pay down balances, correct credit report errors, and get preapproved to lock pricing. 5) If you plan to keep the car long term, factor total interest not just the APR.
Scroll to the daily APR table to compare historic and current offers from popular banks and lenders. Use those rows to spot consistent lenders, not just one-day bargains. If you need a quick read: look for stability over several days and an APR that meaningfully lowers your monthly cost after fees.
|
Date |
APR |
|
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% |
|
10/12/2025 |
5.34% |
|
10/11/2025 |
5.34% |
|
10/10/2025 |
5.34% |
|
10/09/2025 |
5.34% |
|
10/08/2025 |
5.34% |
|
10/07/2025 |
5.34% |
|
10/06/2025 |
5.34% |
|
10/05/2025 |
5.34% |
|
10/04/2025 |
5.34% |
|
10/03/2025 |
5.34% |
|
10/02/2025 |
5.34% |
|
10/01/2025 |
5.34% |
|
09/30/2025 |
5.34% |
|
09/29/2025 |
5.34% |
|
09/28/2025 |
5.34% |
|
09/27/2025 |
5.34% |
|
09/26/2025 |
5.34% |
|
09/25/2025 |
5.34% |
|
09/24/2025 |
5.34% |
|
09/23/2025 |
5.34% |
|
09/22/2025 |
5.34% |
|
09/21/2025 |
4.99% |
|
09/20/2025 |
4.99% |
|
09/19/2025 |
4.99% |
|
09/18/2025 |
4.99% |
|
09/17/2025 |
4.99% |
|
09/16/2025 |
4.99% |
|
09/15/2025 |
4.99% |
|
09/14/2025 |
4.99% |
|
09/13/2025 |
4.99% |
|
09/12/2025 |
4.99% |
|
09/11/2025 |
4.99% |
|
09/10/2025 |
4.99% |
|
09/09/2025 |
4.99% |
|
09/08/2025 |
4.99% |
|
09/07/2025 |
4.99% |
|
09/06/2025 |
4.99% |
|
09/05/2025 |
4.99% |
|
09/04/2025 |
4.99% |
|
09/03/2025 |
4.99% |
|
09/02/2025 |
4.99% |
|
09/01/2025 |
4.99% |
|
08/31/2025 |
4.99% |
|
08/30/2025 |
4.99% |
|
08/29/2025 |
4.99% |
|
08/28/2025 |
4.99% |
|
08/27/2025 |
4.99% |
|
08/26/2025 |
4.99% |
|
08/25/2025 |
4.99% |
|
08/24/2025 |
4.99% |
|
08/23/2025 |
4.99% |
|
08/22/2025 |
4.99% |
|
08/21/2025 |
4.99% |
|
Date |
APR |
|
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% |
|
10/12/2025 |
4.74% |
|
10/11/2025 |
4.74% |
|
10/10/2025 |
4.74% |
|
10/09/2025 |
4.74% |
|
10/08/2025 |
4.74% |
|
10/07/2025 |
4.74% |
|
10/06/2025 |
4.74% |
|
10/05/2025 |
4.74% |
|
10/04/2025 |
4.74% |
|
10/03/2025 |
4.74% |
|
10/02/2025 |
4.74% |
|
10/01/2025 |
4.74% |
|
09/30/2025 |
4.74% |
|
09/29/2025 |
4.74% |
|
09/28/2025 |
4.74% |
|
09/27/2025 |
4.74% |
|
09/26/2025 |
4.74% |
|
09/25/2025 |
4.74% |
|
09/24/2025 |
4.74% |
|
09/23/2025 |
4.74% |
|
09/22/2025 |
4.74% |
|
09/21/2025 |
4.95% |
|
09/20/2025 |
4.95% |
|
09/19/2025 |
4.95% |
|
09/18/2025 |
4.95% |
|
09/17/2025 |
4.95% |
|
09/16/2025 |
4.95% |
|
09/15/2025 |
4.95% |
|
09/14/2025 |
4.95% |
|
09/13/2025 |
4.95% |
|
09/12/2025 |
4.95% |
|
09/11/2025 |
4.95% |
|
09/10/2025 |
4.95% |
|
09/09/2025 |
4.95% |
|
09/08/2025 |
4.95% |
|
09/07/2025 |
4.95% |
|
09/06/2025 |
4.95% |
|
09/05/2025 |
4.95% |
|
09/04/2025 |
4.95% |
|
09/03/2025 |
4.95% |
|
09/02/2025 |
4.95% |
|
09/01/2025 |
4.95% |
|
08/31/2025 |
4.95% |
|
08/30/2025 |
4.95% |
|
08/29/2025 |
4.95% |
|
08/28/2025 |
4.95% |
|
08/27/2025 |
4.95% |
|
08/26/2025 |
4.95% |
|
08/25/2025 |
4.95% |
|
08/24/2025 |
4.95% |
|
08/23/2025 |
4.95% |
|
08/22/2025 |
4.95% |
|
08/21/2025 |
4.95% |
|
Date |
APR |
|
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% |
|
10/12/2025 |
5.27% |
|
10/11/2025 |
5.27% |
|
10/10/2025 |
5.27% |
|
10/09/2025 |
5.27% |
|
10/08/2025 |
5.27% |
|
10/07/2025 |
5.27% |
|
10/06/2025 |
5.27% |
|
10/05/2025 |
5.27% |
|
10/04/2025 |
5.27% |
|
10/03/2025 |
5.27% |
|
10/02/2025 |
5.27% |
|
10/01/2025 |
5.27% |
|
09/30/2025 |
5.27% |
|
09/29/2025 |
5.27% |
|
09/28/2025 |
5.27% |
|
09/27/2025 |
5.27% |
|
09/26/2025 |
5.27% |
|
09/25/2025 |
5.27% |
|
09/24/2025 |
5.27% |
|
09/23/2025 |
5.27% |
|
09/22/2025 |
5.27% |
|
09/21/2025 |
5.42% |
|
09/20/2025 |
5.42% |
|
09/19/2025 |
5.42% |
|
09/18/2025 |
5.42% |
|
09/17/2025 |
5.42% |
|
09/16/2025 |
5.42% |
|
09/15/2025 |
5.42% |
|
09/14/2025 |
5.42% |
|
09/13/2025 |
5.42% |
|
09/12/2025 |
5.42% |
|
09/11/2025 |
5.42% |
|
09/10/2025 |
5.42% |
|
09/09/2025 |
5.42% |
|
09/08/2025 |
5.42% |
|
09/07/2025 |
5.42% |
|
09/06/2025 |
5.42% |
|
09/05/2025 |
5.42% |
|
09/04/2025 |
5.42% |
|
09/03/2025 |
5.42% |
|
09/02/2025 |
5.42% |
|
09/01/2025 |
5.42% |
|
08/31/2025 |
5.42% |
|
08/30/2025 |
5.42% |
|
08/29/2025 |
5.42% |
|
08/28/2025 |
5.42% |
|
08/27/2025 |
5.42% |
|
08/26/2025 |
5.42% |
|
08/25/2025 |
5.42% |
|
08/24/2025 |
5.42% |
|
08/23/2025 |
5.42% |
|
08/22/2025 |
5.42% |
|
08/21/2025 |
5.42% |
|
Date |
APR |
|
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% |
|
10/12/2025 |
4.99% |
|
10/11/2025 |
4.99% |
|
10/10/2025 |
4.99% |
|
10/09/2025 |
4.99% |
|
10/08/2025 |
4.99% |
|
10/07/2025 |
5.19% |
|
10/06/2025 |
5.19% |
|
10/05/2025 |
5.19% |
|
10/04/2025 |
5.19% |
|
10/03/2025 |
5.19% |
|
10/02/2025 |
5.19% |
|
10/01/2025 |
5.19% |
|
09/30/2025 |
5.19% |
|
09/29/2025 |
5.19% |
|
09/28/2025 |
5.19% |
|
09/27/2025 |
5.19% |
|
09/26/2025 |
5.19% |
|
09/25/2025 |
5.19% |
|
09/24/2025 |
5.19% |
|
09/23/2025 |
5.19% |
|
09/22/2025 |
5.19% |
|
09/21/2025 |
5.5% |
|
09/20/2025 |
5.5% |
|
09/19/2025 |
5.5% |
|
09/18/2025 |
5.5% |
|
09/17/2025 |
5.5% |
|
09/16/2025 |
5.5% |
|
09/15/2025 |
5.5% |
|
09/14/2025 |
5.5% |
|
09/13/2025 |
5.5% |
|
09/12/2025 |
5.5% |
|
09/11/2025 |
5.5% |
|
09/10/2025 |
5.5% |
|
09/09/2025 |
5.5% |
|
09/08/2025 |
5.5% |
|
09/07/2025 |
5.5% |
|
09/06/2025 |
5.5% |
|
09/05/2025 |
5.5% |
|
09/04/2025 |
5.5% |
|
09/03/2025 |
5.5% |
|
09/02/2025 |
5.5% |
|
09/01/2025 |
5.5% |
|
08/31/2025 |
5.5% |
|
08/30/2025 |
5.5% |
|
08/29/2025 |
5.5% |
|
08/28/2025 |
5.5% |
|
08/27/2025 |
5.5% |
|
08/26/2025 |
5.5% |
|
08/25/2025 |
5.5% |
|
08/24/2025 |
5.5% |
|
08/23/2025 |
5.5% |
|
08/22/2025 |
5.5% |
|
08/21/2025 |
5.5% |