Short version: 36‑month refinance rates are sitting at 3.99% while longer terms are higher — 60‑month 4.44%, 72‑month 4.75%, and 84‑month 4.99%. That mix tells a story: short-term rates just improved, but mid‑to‑long terms have ticked up since early April.
Over the last month we saw volatility: long-term offers that peaked above 5.2% in January drifted down through February and March, then stabilized. Around 04/06–04/07 the 36‑month rate dropped from ~4.20% to 3.99%, while 60/72/84‑month terms moved higher from their early‑April lows (roughly 4.05/4.25/4.85) to today’s levels. In short: short‑term got sweeter; longer terms got a little pricier.
Early 2026 featured wider spreads: lenders priced longer terms more aggressively during January volatility (5.2%+). As markets digested macro signals — inflation data and Fed commentary — lenders lowered many offers in Feb–Mar. The latest small reversals reflect lender risk appetite and competition rather than a wholesale market panic.
If you’re within a few years of finishing your loan or have strong credit, that 36‑month dip is worth a look — refinancing at 3.99% could meaningfully reduce total interest and shave months off payoff. If you’re considering a longer term to lower monthly payments, expect slightly higher APRs and check the math: a lower monthly payment can still cost more in total interest.
1) Shop multiple lenders — use the comparison table below to spot the best current APRs. 2) Freeze your credit score (or monitor it) and have documents ready to speed approvals. 3) Favor shorter terms when possible — interest saved usually beats the small monthly relief of stretching a loan. 4) Watch fees: a low APR can be offset by prepays or application charges. 5) Time your refinance around rate dips and before any expected Fed moves if you can.
Expect modest swings, not dramatic moves. Short‑term rates may edge lower if inflation data calms; longer terms will track investor demand and lender risk appetite. If you value predictability, lock a competitive rate when you see it — especially for shorter terms.
Today’s data shows opportunity if you’re targeting a shorter payoff: 36 months at 3.99% looks attractive. Longer terms remain useful for cash‑flow relief but cost more overall. Check the daily APR comparison table below, run quick payoff math, and if the numbers line up — refinance while the dip’s fresh.
|
Date |
APR |
|
04/16/2026 |
3.99% |
|
04/15/2026 |
3.99% |
|
04/14/2026 |
3.99% |
|
04/13/2026 |
3.99% |
|
04/12/2026 |
3.99% |
|
04/11/2026 |
3.99% |
|
04/10/2026 |
3.99% |
|
04/09/2026 |
3.99% |
|
04/08/2026 |
3.99% |
|
04/07/2026 |
3.99% |
|
04/06/2026 |
4.2% |
|
04/05/2026 |
4.2% |
|
04/04/2026 |
4.2% |
|
04/03/2026 |
4.2% |
|
04/02/2026 |
4.2% |
|
04/01/2026 |
4.2% |
|
03/31/2026 |
4.2% |
|
03/30/2026 |
4.2% |
|
03/29/2026 |
4.2% |
|
03/28/2026 |
4.2% |
|
03/27/2026 |
4.2% |
|
03/26/2026 |
4.2% |
|
03/25/2026 |
4.2% |
|
03/24/2026 |
4.2% |
|
03/23/2026 |
4.2% |
|
03/22/2026 |
4.2% |
|
03/21/2026 |
4.2% |
|
03/20/2026 |
4.2% |
|
03/19/2026 |
4.2% |
|
03/18/2026 |
4.2% |
|
03/17/2026 |
4.2% |
|
03/16/2026 |
4.2% |
|
03/15/2026 |
4.2% |
|
03/14/2026 |
4.2% |
|
03/13/2026 |
4.2% |
|
03/12/2026 |
4.2% |
|
03/11/2026 |
4.2% |
|
03/10/2026 |
4.2% |
|
03/09/2026 |
4.2% |
|
03/08/2026 |
4.2% |
|
03/07/2026 |
4.2% |
|
03/06/2026 |
4.2% |
|
03/05/2026 |
4.2% |
|
03/04/2026 |
4.2% |
|
03/03/2026 |
4.2% |
|
03/02/2026 |
4.2% |
|
03/01/2026 |
4.2% |
|
02/28/2026 |
4.2% |
|
02/27/2026 |
4.2% |
|
02/26/2026 |
4.2% |
|
02/25/2026 |
4.2% |
|
02/24/2026 |
4.2% |
|
02/23/2026 |
4.49% |
|
02/22/2026 |
4.49% |
|
02/21/2026 |
4.49% |
|
02/20/2026 |
4.49% |
|
02/19/2026 |
4.49% |
|
02/18/2026 |
4.49% |
|
02/17/2026 |
4.49% |
|
02/16/2026 |
4.49% |
|
02/15/2026 |
4.49% |
|
02/14/2026 |
4.49% |
|
02/13/2026 |
4.49% |
|
02/12/2026 |
4.49% |
|
02/11/2026 |
4.49% |
|
02/10/2026 |
4.49% |
|
02/09/2026 |
4.49% |
|
02/08/2026 |
4.49% |
|
02/07/2026 |
4.49% |
|
02/06/2026 |
4.49% |
|
02/05/2026 |
4.49% |
|
02/04/2026 |
4.49% |
|
02/03/2026 |
4.49% |
|
02/02/2026 |
4.49% |
|
02/01/2026 |
4.49% |
|
01/31/2026 |
4.49% |
|
01/30/2026 |
4.49% |
|
01/29/2026 |
4.49% |
|
01/28/2026 |
4.49% |
|
01/27/2026 |
4.49% |
|
01/26/2026 |
4.09% |
|
01/25/2026 |
4.09% |
|
01/24/2026 |
4.09% |
|
01/23/2026 |
4.09% |
|
01/22/2026 |
4.09% |
|
01/21/2026 |
4.09% |
|
01/20/2026 |
4.09% |
|
01/19/2026 |
4.09% |
|
01/18/2026 |
4.09% |
|
01/17/2026 |
4.09% |
|
Date |
APR |
|
04/16/2026 |
4.44% |
|
04/15/2026 |
4.44% |
|
04/14/2026 |
4.44% |
|
04/13/2026 |
4.44% |
|
04/12/2026 |
4.44% |
|
04/11/2026 |
4.44% |
|
04/10/2026 |
4.44% |
|
04/09/2026 |
4.44% |
|
04/08/2026 |
4.44% |
|
04/07/2026 |
4.44% |
|
04/06/2026 |
4.05% |
|
04/05/2026 |
4.05% |
|
04/04/2026 |
4.05% |
|
04/03/2026 |
4.05% |
|
04/02/2026 |
4.05% |
|
04/01/2026 |
4.05% |
|
03/31/2026 |
4.05% |
|
03/30/2026 |
4.05% |
|
03/29/2026 |
4.05% |
|
03/28/2026 |
4.05% |
|
03/27/2026 |
4.05% |
|
03/26/2026 |
4.05% |
|
03/25/2026 |
4.05% |
|
03/24/2026 |
4.05% |
|
03/23/2026 |
4.05% |
|
03/22/2026 |
4.05% |
|
03/21/2026 |
4.05% |
|
03/20/2026 |
4.05% |
|
03/19/2026 |
4.05% |
|
03/18/2026 |
4.05% |
|
03/17/2026 |
4.05% |
|
03/16/2026 |
4.05% |
|
03/15/2026 |
4.05% |
|
03/14/2026 |
4.05% |
|
03/13/2026 |
4.05% |
|
03/12/2026 |
4.05% |
|
03/11/2026 |
4.05% |
|
03/10/2026 |
4.05% |
|
03/09/2026 |
4.05% |
|
03/08/2026 |
4.05% |
|
03/07/2026 |
4.05% |
|
03/06/2026 |
4.05% |
|
03/05/2026 |
4.05% |
|
03/04/2026 |
4.05% |
|
03/03/2026 |
4.05% |
|
03/02/2026 |
4.05% |
|
03/01/2026 |
4.05% |
|
02/28/2026 |
4.05% |
|
02/27/2026 |
4.05% |
|
02/26/2026 |
4.05% |
|
02/25/2026 |
4.05% |
|
02/24/2026 |
4.05% |
|
02/23/2026 |
4.97% |
|
02/22/2026 |
4.97% |
|
02/21/2026 |
4.97% |
|
02/20/2026 |
4.97% |
|
02/19/2026 |
4.97% |
|
02/18/2026 |
4.97% |
|
02/17/2026 |
4.97% |
|
02/16/2026 |
4.97% |
|
02/15/2026 |
4.97% |
|
02/14/2026 |
4.97% |
|
02/13/2026 |
4.97% |
|
02/12/2026 |
4.97% |
|
02/11/2026 |
4.97% |
|
02/10/2026 |
4.97% |
|
02/09/2026 |
4.97% |
|
02/08/2026 |
4.97% |
|
02/07/2026 |
4.97% |
|
02/06/2026 |
4.97% |
|
02/05/2026 |
4.97% |
|
02/04/2026 |
4.97% |
|
02/03/2026 |
4.97% |
|
02/02/2026 |
4.97% |
|
02/01/2026 |
4.97% |
|
01/31/2026 |
4.97% |
|
01/30/2026 |
4.97% |
|
01/29/2026 |
4.97% |
|
01/28/2026 |
4.97% |
|
01/27/2026 |
4.97% |
|
01/26/2026 |
4.97% |
|
01/25/2026 |
4.97% |
|
01/24/2026 |
4.97% |
|
01/23/2026 |
4.97% |
|
01/22/2026 |
4.97% |
|
01/21/2026 |
4.97% |
|
01/20/2026 |
4.97% |
|
01/19/2026 |
4.97% |
|
01/18/2026 |
4.97% |
|
01/17/2026 |
4.97% |
|
Date |
APR |
|
04/16/2026 |
4.75% |
|
04/15/2026 |
4.75% |
|
04/14/2026 |
4.75% |
|
04/13/2026 |
4.75% |
|
04/12/2026 |
4.75% |
|
04/11/2026 |
4.75% |
|
04/10/2026 |
4.75% |
|
04/09/2026 |
4.75% |
|
04/08/2026 |
4.75% |
|
04/07/2026 |
4.75% |
|
04/06/2026 |
4.25% |
|
04/05/2026 |
4.25% |
|
04/04/2026 |
4.25% |
|
04/03/2026 |
4.25% |
|
04/02/2026 |
4.25% |
|
04/01/2026 |
4.25% |
|
03/31/2026 |
4.25% |
|
03/30/2026 |
4.25% |
|
03/29/2026 |
4.25% |
|
03/28/2026 |
4.25% |
|
03/27/2026 |
4.25% |
|
03/26/2026 |
4.25% |
|
03/25/2026 |
4.25% |
|
03/24/2026 |
4.25% |
|
03/23/2026 |
4.25% |
|
03/22/2026 |
4.25% |
|
03/21/2026 |
4.25% |
|
03/20/2026 |
4.25% |
|
03/19/2026 |
4.25% |
|
03/18/2026 |
4.25% |
|
03/17/2026 |
4.25% |
|
03/16/2026 |
4.25% |
|
03/15/2026 |
4.25% |
|
03/14/2026 |
4.25% |
|
03/13/2026 |
4.25% |
|
03/12/2026 |
4.25% |
|
03/11/2026 |
4.25% |
|
03/10/2026 |
4.25% |
|
03/09/2026 |
4.25% |
|
03/08/2026 |
4.25% |
|
03/07/2026 |
4.25% |
|
03/06/2026 |
4.25% |
|
03/05/2026 |
4.25% |
|
03/04/2026 |
4.25% |
|
03/03/2026 |
4.25% |
|
03/02/2026 |
4.25% |
|
03/01/2026 |
4.25% |
|
02/28/2026 |
4.25% |
|
02/27/2026 |
4.25% |
|
02/26/2026 |
4.25% |
|
02/25/2026 |
4.25% |
|
02/24/2026 |
4.25% |
|
02/23/2026 |
4.99% |
|
02/22/2026 |
4.99% |
|
02/21/2026 |
4.99% |
|
02/20/2026 |
4.99% |
|
02/19/2026 |
4.99% |
|
02/18/2026 |
4.99% |
|
02/17/2026 |
4.99% |
|
02/16/2026 |
4.99% |
|
02/15/2026 |
4.99% |
|
02/14/2026 |
4.99% |
|
02/13/2026 |
4.99% |
|
02/12/2026 |
4.99% |
|
02/11/2026 |
4.99% |
|
02/10/2026 |
4.99% |
|
02/09/2026 |
4.99% |
|
02/08/2026 |
4.99% |
|
02/07/2026 |
4.99% |
|
02/06/2026 |
4.99% |
|
02/05/2026 |
4.99% |
|
02/04/2026 |
4.99% |
|
02/03/2026 |
4.99% |
|
02/02/2026 |
4.99% |
|
02/01/2026 |
4.99% |
|
01/31/2026 |
4.99% |
|
01/30/2026 |
4.99% |
|
01/29/2026 |
4.99% |
|
01/28/2026 |
4.99% |
|
01/27/2026 |
4.99% |
|
01/26/2026 |
5.27% |
|
01/25/2026 |
5.27% |
|
01/24/2026 |
5.27% |
|
01/23/2026 |
5.27% |
|
01/22/2026 |
5.27% |
|
01/21/2026 |
5.27% |
|
01/20/2026 |
5.27% |
|
01/19/2026 |
5.27% |
|
01/18/2026 |
5.27% |
|
01/17/2026 |
5.27% |
|
Date |
APR |
|
04/16/2026 |
4.99% |
|
04/15/2026 |
4.99% |
|
04/14/2026 |
4.99% |
|
04/13/2026 |
4.99% |
|
04/12/2026 |
4.99% |
|
04/11/2026 |
4.99% |
|
04/10/2026 |
4.99% |
|
04/09/2026 |
4.99% |
|
04/08/2026 |
4.99% |
|
04/07/2026 |
4.99% |
|
04/06/2026 |
4.85% |
|
04/05/2026 |
4.85% |
|
04/04/2026 |
4.85% |
|
04/03/2026 |
4.85% |
|
04/02/2026 |
4.85% |
|
04/01/2026 |
4.85% |
|
03/31/2026 |
4.85% |
|
03/30/2026 |
4.85% |
|
03/29/2026 |
4.85% |
|
03/28/2026 |
4.85% |
|
03/27/2026 |
4.85% |
|
03/26/2026 |
4.85% |
|
03/25/2026 |
4.85% |
|
03/24/2026 |
4.85% |
|
03/23/2026 |
4.85% |
|
03/22/2026 |
4.85% |
|
03/21/2026 |
4.85% |
|
03/20/2026 |
4.85% |
|
03/19/2026 |
4.85% |
|
03/18/2026 |
4.85% |
|
03/17/2026 |
4.85% |
|
03/16/2026 |
4.85% |
|
03/15/2026 |
4.85% |
|
03/14/2026 |
4.85% |
|
03/13/2026 |
4.85% |
|
03/12/2026 |
4.85% |
|
03/11/2026 |
4.85% |
|
03/10/2026 |
4.85% |
|
03/09/2026 |
4.85% |
|
03/08/2026 |
4.85% |
|
03/07/2026 |
4.85% |
|
03/06/2026 |
4.85% |
|
03/05/2026 |
4.85% |
|
03/04/2026 |
4.85% |
|
03/03/2026 |
4.85% |
|
03/02/2026 |
4.85% |
|
03/01/2026 |
4.85% |
|
02/28/2026 |
4.85% |
|
02/27/2026 |
4.85% |
|
02/26/2026 |
4.85% |
|
02/25/2026 |
4.85% |
|
02/24/2026 |
4.85% |
|
02/23/2026 |
4.99% |
|
02/22/2026 |
4.99% |
|
02/21/2026 |
4.99% |
|
02/20/2026 |
4.99% |
|
02/19/2026 |
4.99% |
|
02/18/2026 |
4.99% |
|
02/17/2026 |
4.99% |
|
02/16/2026 |
4.99% |
|
02/15/2026 |
4.99% |
|
02/14/2026 |
4.99% |
|
02/13/2026 |
4.99% |
|
02/12/2026 |
4.99% |
|
02/11/2026 |
4.99% |
|
02/10/2026 |
4.99% |
|
02/09/2026 |
4.99% |
|
02/08/2026 |
4.99% |
|
02/07/2026 |
4.99% |
|
02/06/2026 |
4.99% |
|
02/05/2026 |
4.99% |
|
02/04/2026 |
4.99% |
|
02/03/2026 |
4.99% |
|
02/02/2026 |
4.99% |
|
02/01/2026 |
4.99% |
|
01/31/2026 |
4.99% |
|
01/30/2026 |
4.99% |
|
01/29/2026 |
4.99% |
|
01/28/2026 |
4.99% |
|
01/27/2026 |
4.99% |
|
01/26/2026 |
5.24% |
|
01/25/2026 |
5.24% |
|
01/24/2026 |
5.24% |
|
01/23/2026 |
5.24% |
|
01/22/2026 |
5.24% |
|
01/21/2026 |
5.24% |
|
01/20/2026 |
5.24% |
|
01/19/2026 |
5.24% |
|
01/18/2026 |
5.24% |
|
01/17/2026 |
5.24% |