Today’s MyAutoLoan refinance rates: 36‑month 4.20%, 60‑month 4.05%, 72‑month 4.25%, 84‑month 4.85%. After weeks of small swings, rates are generally lower than the mid‑January highs for longer terms.
Late December and January showed higher longer‑term APRs (72/84 months around the mid‑5% range). February brought volatility — brief spikes near 4.97–4.99% on several days — then a steady slide into early March. Shorter terms (36/60 months) tightened up the most, with 60‑month dipping to about 4.05% today.
Think of the last three months as a wobble then a pull‑back: rates climbed into January, flirted with near‑term spikes in late February, and then eased. That pattern reflects markets adjusting to economic data and bond yields — auto refinance rates follow that rhythm but move more slowly than mortgages.
Short answer: data dependent. If inflation cools and central banks pause, expect further modest declines or stabilization. If inflation surprises or bond yields climb, rates could retrace gains. For most borrowers, the next few weeks will be about small moves rather than big swings.
1) Shop multiple lenders — the table below compares daily APRs from popular banks and lenders. 2) Do the math: target at least a 0.5–1.0 percentage‑point improvement (or calculate exact dollar savings based on your balance and remaining term). 3) Check for prepayment penalties and fees — they can erase the benefit. 4) Boost your offer: improve your credit score, reduce debt‑to‑income, and consider a shorter term if you can afford the payments. 5) Lock a rate if you see the number you want — market moves can be quick.
If your current rate is notably above today’s listed MyAutoLoan rates and the numbers line up with multiple lenders in the comparison table, start applications now. If you’re close to a credit score bump or expecting better economic conditions, monitor rates for a short window — but don’t wait forever if the math already saves you money.
Refinancing is not just about the lowest APR — it’s about the right APR for your situation. Use the daily numbers here, compare across lenders below, crunch the actual payment savings, and pick the option that moves your monthly cash flow and total interest in the direction you want.
|
Date |
APR |
|
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% |
|
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% |
|
Date |
APR |
|
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% |
|
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% |
|
Date |
APR |
|
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% |
|
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% |
|
Date |
APR |
|
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% |
|
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% |