On our daily MyAutoLoan refinance tracker the current mid-October picture is steady: 36‑month at about 5.34%, 60‑month around 4.74%, 72‑month near 5.27% and 84‑month roughly 4.99%. Scroll down to the table below for the full day‑by‑day APR history from popular lenders.
September brought the most movement: several terms jumped or pulled back by a few tenths of a percentage point. Since late September and into October those swings have smoothed out — most terms settled into a narrow range. That kind of short-term wobble is normal as markets digest economic data and Fed guidance.
This summer many refinance offers sat a bit lower for consumers; autumn saw a handful of one‑day moves as lenders reprice. Compared with the multi-year highs of prior cycles these APRs are moderate, but they’re sensitive — a 0.25% change still matters for monthly payments and total interest over a loan.
If you’re thinking refinance, start with a rate check across terms — the best APR on an 84‑month loan may not save you money long term. Improve your negotiating stance: know your credit score, gather payoff and current loan terms, and get multiple prequal offers. Watch for fees and whether the lender charges prepayment penalties. Even small APR improvements can shave months or hundreds of dollars off the total cost.
Short term: expect more stability but be ready for another nudge either way when inflation data or Fed comments hit the tape. If inflation keeps easing and the Fed signals patience, lenders could trim offers a bit. If policy tightens or Treasury yields spike, refinance costs could tick up. Practically: if you find a rate that meaningfully improves your payment and fits your timeline, it’s reasonable to lock it rather than trying to time the market.
Check the table below for daily APRs, compare at least three lenders, and calculate total savings (not just monthly). If your credit has improved or you’ve paid down principal, run the numbers — refinancing at today’s ranges can still be a smart move. Need help interpreting a quote? Bookmark AutoLoanRate.com and use the daily data to pick the right moment.
|
Date |
APR |
|
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% |
|
08/20/2025 |
4.99% |
|
08/19/2025 |
4.99% |
|
08/18/2025 |
4.99% |
|
08/17/2025 |
4.99% |
|
08/16/2025 |
4.99% |
|
08/15/2025 |
4.99% |
|
08/14/2025 |
4.99% |
|
08/13/2025 |
4.99% |
|
08/12/2025 |
4.99% |
|
08/11/2025 |
4.99% |
|
08/10/2025 |
4.99% |
|
08/09/2025 |
4.99% |
|
08/08/2025 |
4.99% |
|
08/07/2025 |
4.99% |
|
08/06/2025 |
4.99% |
|
08/05/2025 |
4.99% |
|
08/04/2025 |
4.99% |
|
08/03/2025 |
4.99% |
|
08/02/2025 |
4.99% |
|
08/01/2025 |
4.99% |
|
07/31/2025 |
4.99% |
|
07/30/2025 |
4.99% |
|
07/29/2025 |
4.99% |
|
07/28/2025 |
4.99% |
|
07/27/2025 |
4.99% |
|
07/26/2025 |
4.99% |
|
07/25/2025 |
4.99% |
|
07/24/2025 |
4.99% |
|
07/23/2025 |
4.99% |
|
07/22/2025 |
4.99% |
|
07/21/2025 |
4.99% |
|
Date |
APR |
|
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% |
|
08/20/2025 |
4.95% |
|
08/19/2025 |
4.95% |
|
08/18/2025 |
4.95% |
|
08/17/2025 |
4.95% |
|
08/16/2025 |
4.95% |
|
08/15/2025 |
4.95% |
|
08/14/2025 |
4.95% |
|
08/13/2025 |
4.95% |
|
08/12/2025 |
4.95% |
|
08/11/2025 |
4.95% |
|
08/10/2025 |
4.95% |
|
08/09/2025 |
4.95% |
|
08/08/2025 |
4.95% |
|
08/07/2025 |
4.95% |
|
08/06/2025 |
4.95% |
|
08/05/2025 |
4.95% |
|
08/04/2025 |
4.95% |
|
08/03/2025 |
4.95% |
|
08/02/2025 |
4.95% |
|
08/01/2025 |
4.95% |
|
07/31/2025 |
4.95% |
|
07/30/2025 |
4.95% |
|
07/29/2025 |
4.95% |
|
07/28/2025 |
4.95% |
|
07/27/2025 |
4.95% |
|
07/26/2025 |
4.95% |
|
07/25/2025 |
4.95% |
|
07/24/2025 |
4.95% |
|
07/23/2025 |
4.95% |
|
07/22/2025 |
4.95% |
|
07/21/2025 |
4.95% |
|
Date |
APR |
|
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% |
|
08/20/2025 |
5.42% |
|
08/19/2025 |
5.42% |
|
08/18/2025 |
5.42% |
|
08/17/2025 |
5.42% |
|
08/16/2025 |
5.42% |
|
08/15/2025 |
5.42% |
|
08/14/2025 |
5.42% |
|
08/13/2025 |
5.42% |
|
08/12/2025 |
5.42% |
|
08/11/2025 |
5.42% |
|
08/10/2025 |
5.42% |
|
08/09/2025 |
5.42% |
|
08/08/2025 |
5.42% |
|
08/07/2025 |
5.42% |
|
08/06/2025 |
5.42% |
|
08/05/2025 |
5.42% |
|
08/04/2025 |
5.42% |
|
08/03/2025 |
5.42% |
|
08/02/2025 |
5.42% |
|
08/01/2025 |
5.42% |
|
07/31/2025 |
5.42% |
|
07/30/2025 |
5.42% |
|
07/29/2025 |
5.42% |
|
07/28/2025 |
5.42% |
|
07/27/2025 |
5.42% |
|
07/26/2025 |
5.42% |
|
07/25/2025 |
5.42% |
|
07/24/2025 |
5.42% |
|
07/23/2025 |
5.42% |
|
07/22/2025 |
5.42% |
|
07/21/2025 |
5.42% |
|
Date |
APR |
|
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% |
|
08/20/2025 |
5.5% |
|
08/19/2025 |
5.5% |
|
08/18/2025 |
5.5% |
|
08/17/2025 |
5.5% |
|
08/16/2025 |
5.5% |
|
08/15/2025 |
5.5% |
|
08/14/2025 |
5.5% |
|
08/13/2025 |
5.5% |
|
08/12/2025 |
5.5% |
|
08/11/2025 |
5.5% |
|
08/10/2025 |
5.5% |
|
08/09/2025 |
5.5% |
|
08/08/2025 |
5.5% |
|
08/07/2025 |
5.5% |
|
08/06/2025 |
5.5% |
|
08/05/2025 |
5.57% |
|
08/04/2025 |
5.57% |
|
08/03/2025 |
5.57% |
|
08/02/2025 |
5.57% |
|
08/01/2025 |
5.57% |
|
07/31/2025 |
5.57% |
|
07/30/2025 |
5.57% |
|
07/29/2025 |
5.57% |
|
07/28/2025 |
5.57% |
|
07/27/2025 |
5.57% |
|
07/26/2025 |
5.57% |
|
07/25/2025 |
5.57% |
|
07/24/2025 |
5.57% |
|
07/23/2025 |
5.57% |
|
07/22/2025 |
5.57% |
|
07/21/2025 |
5.57% |