AutoLoanRate.com tracks MyAutoLoan’s daily used-car APRs across common loan terms. This page summarizes the latest trends, a quick look at history, practical tips, and what the rate landscape may do next—so you can time your loan decision with confidence.
As of mid‑January 2026, daily APRs sit in a steady band by term: 36‑month around 6.49% (recently holding at 6.49% through December 2025 into January 2026); 60‑month about 6.89%; 72‑month near 6.99%; and 84‑month around 7.49%. The pattern shows longer terms remain higher, as expected from risk-based pricing, with 36‑month the most favorable on a simple rate basis.
A look back shows a brief spike in October 2025 across all terms: 36‑month peaked around 6.74%, 60‑month about 7.24%, 72‑month near 7.49%, and 84‑month around 7.99%. After that pause, rates cooled and settled back toward the late‑2025 levels. By December 2025 and into January 2026, the longer terms stabilized around 6.89% (60‑month) and 7.49% (84‑month), with 72‑month hovering near 6.99% and 36‑month at 6.49%.
Tip: check the daily rate before you lock. If you can swing a shorter term or put more down, you’ll likely lower total interest even if the monthly payment is higher. For the same loan amount, a 36‑month loan usually costs less in interest than a 60‑, 72‑, or 84‑month loan. Compare lenders daily—the table below shows how rates move from day to day, so you can time an application on a favorable day.
If inflation stays controlled and credit costs stabilize, expect 36‑month APR to hover around 6.4%–6.6% in the coming weeks, with 60‑month perhaps 6.75%–7.15%, and the longer terms (72‑ and 84‑month) staying roughly in the 7.0%–7.6% range. Any shift in monetary policy or consumer demand could nudge these bands up or down. The takeaway: rate moves can be modest day to day, so a short wait could pay off if you’re not rushed.
Use this page to compare current daily APRs by term and observe the recent drift over the past few weeks. The daily rate table below (from popular banks and lenders) updates regularly, giving you a practical view of when to apply or refinance for the best overall deal.
Used-car loan rates show a normalization after October’s spike, with 36‑month loans remaining the most favorable on a rate basis and longer terms running higher. For purchasers, balancing term length, down payment, and timing—while watching the daily rates—can shave meaningful dollars off total interest. Stay tuned to AutoLoanRate.com for the latest daily moves and guidance.
|
Date |
APR |
|
01/15/2026 |
6.49% |
|
01/14/2026 |
6.49% |
|
01/13/2026 |
6.49% |
|
01/12/2026 |
6.49% |
|
01/11/2026 |
6.49% |
|
01/10/2026 |
6.49% |
|
01/09/2026 |
6.49% |
|
01/08/2026 |
6.49% |
|
01/07/2026 |
6.49% |
|
01/06/2026 |
6.49% |
|
01/05/2026 |
6.49% |
|
01/04/2026 |
6.49% |
|
01/03/2026 |
6.49% |
|
01/02/2026 |
6.49% |
|
01/01/2026 |
6.49% |
|
12/31/2025 |
6.49% |
|
12/30/2025 |
6.49% |
|
12/29/2025 |
6.49% |
|
12/28/2025 |
6.49% |
|
12/27/2025 |
6.49% |
|
12/26/2025 |
6.49% |
|
12/25/2025 |
6.49% |
|
12/24/2025 |
6.49% |
|
12/23/2025 |
6.49% |
|
12/22/2025 |
6.49% |
|
12/21/2025 |
6.49% |
|
12/20/2025 |
6.49% |
|
12/19/2025 |
6.49% |
|
12/18/2025 |
6.49% |
|
12/17/2025 |
6.49% |
|
12/16/2025 |
6.49% |
|
12/15/2025 |
6.49% |
|
12/14/2025 |
6.49% |
|
12/13/2025 |
6.49% |
|
12/12/2025 |
6.49% |
|
12/11/2025 |
6.49% |
|
12/10/2025 |
6.49% |
|
12/09/2025 |
6.49% |
|
12/08/2025 |
6.49% |
|
12/07/2025 |
6.49% |
|
12/06/2025 |
6.49% |
|
12/05/2025 |
6.49% |
|
12/04/2025 |
6.49% |
|
12/03/2025 |
6.49% |
|
12/02/2025 |
6.49% |
|
12/01/2025 |
6.49% |
|
11/30/2025 |
6.49% |
|
11/29/2025 |
6.49% |
|
11/28/2025 |
6.49% |
|
11/27/2025 |
6.49% |
|
11/26/2025 |
6.49% |
|
11/25/2025 |
6.49% |
|
11/24/2025 |
6.49% |
|
11/23/2025 |
6.49% |
|
11/22/2025 |
6.49% |
|
11/21/2025 |
6.49% |
|
11/20/2025 |
6.49% |
|
11/19/2025 |
6.49% |
|
11/18/2025 |
6.49% |
|
11/17/2025 |
6.49% |
|
11/16/2025 |
6.49% |
|
11/15/2025 |
6.49% |
|
11/14/2025 |
6.49% |
|
11/13/2025 |
6.49% |
|
11/12/2025 |
6.49% |
|
11/11/2025 |
6.49% |
|
11/10/2025 |
6.49% |
|
11/09/2025 |
6.49% |
|
11/08/2025 |
6.49% |
|
11/07/2025 |
6.49% |
|
11/06/2025 |
6.49% |
|
11/05/2025 |
6.49% |
|
11/04/2025 |
6.49% |
|
11/03/2025 |
6.49% |
|
11/02/2025 |
6.49% |
|
11/01/2025 |
6.49% |
|
10/31/2025 |
6.49% |
|
10/30/2025 |
6.49% |
|
10/29/2025 |
6.49% |
|
10/28/2025 |
6.49% |
|
10/27/2025 |
6.49% |
|
10/26/2025 |
6.49% |
|
10/25/2025 |
6.49% |
|
10/24/2025 |
6.49% |
|
10/23/2025 |
6.49% |
|
10/22/2025 |
6.49% |
|
10/21/2025 |
6.74% |
|
10/20/2025 |
6.74% |
|
10/19/2025 |
6.74% |
|
10/18/2025 |
6.74% |
|
Date |
APR |
|
01/15/2026 |
6.89% |
|
01/14/2026 |
6.89% |
|
01/13/2026 |
6.89% |
|
01/12/2026 |
6.89% |
|
01/11/2026 |
6.89% |
|
01/10/2026 |
6.89% |
|
01/09/2026 |
6.89% |
|
01/08/2026 |
6.89% |
|
01/07/2026 |
6.89% |
|
01/06/2026 |
6.89% |
|
01/05/2026 |
6.89% |
|
01/04/2026 |
6.89% |
|
01/03/2026 |
6.89% |
|
01/02/2026 |
6.89% |
|
01/01/2026 |
6.89% |
|
12/31/2025 |
6.89% |
|
12/30/2025 |
6.89% |
|
12/29/2025 |
6.89% |
|
12/28/2025 |
6.89% |
|
12/27/2025 |
6.89% |
|
12/26/2025 |
6.89% |
|
12/25/2025 |
6.89% |
|
12/24/2025 |
6.89% |
|
12/23/2025 |
6.89% |
|
12/22/2025 |
6.89% |
|
12/21/2025 |
6.89% |
|
12/20/2025 |
6.89% |
|
12/19/2025 |
6.89% |
|
12/18/2025 |
6.89% |
|
12/17/2025 |
6.89% |
|
12/16/2025 |
6.89% |
|
12/15/2025 |
6.89% |
|
12/14/2025 |
6.89% |
|
12/13/2025 |
6.89% |
|
12/12/2025 |
6.89% |
|
12/11/2025 |
6.89% |
|
12/10/2025 |
6.89% |
|
12/09/2025 |
6.89% |
|
12/08/2025 |
6.89% |
|
12/07/2025 |
6.89% |
|
12/06/2025 |
6.89% |
|
12/05/2025 |
6.89% |
|
12/04/2025 |
6.89% |
|
12/03/2025 |
6.89% |
|
12/02/2025 |
6.89% |
|
12/01/2025 |
6.89% |
|
11/30/2025 |
6.89% |
|
11/29/2025 |
6.89% |
|
11/28/2025 |
6.89% |
|
11/27/2025 |
6.89% |
|
11/26/2025 |
6.89% |
|
11/25/2025 |
6.89% |
|
11/24/2025 |
6.89% |
|
11/23/2025 |
6.89% |
|
11/22/2025 |
6.89% |
|
11/21/2025 |
6.89% |
|
11/20/2025 |
6.89% |
|
11/19/2025 |
6.89% |
|
11/18/2025 |
6.89% |
|
11/17/2025 |
6.89% |
|
11/16/2025 |
6.89% |
|
11/15/2025 |
6.89% |
|
11/14/2025 |
6.89% |
|
11/13/2025 |
6.89% |
|
11/12/2025 |
6.89% |
|
11/11/2025 |
6.89% |
|
11/10/2025 |
6.89% |
|
11/09/2025 |
6.89% |
|
11/08/2025 |
6.89% |
|
11/07/2025 |
6.89% |
|
11/06/2025 |
6.89% |
|
11/05/2025 |
6.89% |
|
11/04/2025 |
6.89% |
|
11/03/2025 |
6.89% |
|
11/02/2025 |
6.89% |
|
11/01/2025 |
6.89% |
|
10/31/2025 |
6.89% |
|
10/30/2025 |
6.89% |
|
10/29/2025 |
6.89% |
|
10/28/2025 |
6.89% |
|
10/27/2025 |
6.89% |
|
10/26/2025 |
6.89% |
|
10/25/2025 |
6.89% |
|
10/24/2025 |
6.89% |
|
10/23/2025 |
6.89% |
|
10/22/2025 |
6.89% |
|
10/21/2025 |
7.24% |
|
10/20/2025 |
7.24% |
|
10/19/2025 |
7.24% |
|
10/18/2025 |
7.24% |
|
Date |
APR |
|
01/15/2026 |
6.99% |
|
01/14/2026 |
6.99% |
|
01/13/2026 |
6.99% |
|
01/12/2026 |
6.99% |
|
01/11/2026 |
6.99% |
|
01/10/2026 |
6.99% |
|
01/09/2026 |
6.99% |
|
01/08/2026 |
6.99% |
|
01/07/2026 |
6.99% |
|
01/06/2026 |
6.99% |
|
01/05/2026 |
6.99% |
|
01/04/2026 |
6.99% |
|
01/03/2026 |
6.99% |
|
01/02/2026 |
6.99% |
|
01/01/2026 |
6.99% |
|
12/31/2025 |
6.99% |
|
12/30/2025 |
6.99% |
|
12/29/2025 |
6.99% |
|
12/28/2025 |
6.99% |
|
12/27/2025 |
6.99% |
|
12/26/2025 |
6.99% |
|
12/25/2025 |
6.99% |
|
12/24/2025 |
6.99% |
|
12/23/2025 |
6.99% |
|
12/22/2025 |
6.99% |
|
12/21/2025 |
6.99% |
|
12/20/2025 |
6.99% |
|
12/19/2025 |
6.99% |
|
12/18/2025 |
6.99% |
|
12/17/2025 |
6.99% |
|
12/16/2025 |
6.99% |
|
12/15/2025 |
6.99% |
|
12/14/2025 |
6.99% |
|
12/13/2025 |
6.99% |
|
12/12/2025 |
6.99% |
|
12/11/2025 |
6.99% |
|
12/10/2025 |
6.99% |
|
12/09/2025 |
6.99% |
|
12/08/2025 |
6.99% |
|
12/07/2025 |
6.99% |
|
12/06/2025 |
6.99% |
|
12/05/2025 |
6.99% |
|
12/04/2025 |
6.99% |
|
12/03/2025 |
6.99% |
|
12/02/2025 |
6.99% |
|
12/01/2025 |
6.99% |
|
11/30/2025 |
6.99% |
|
11/29/2025 |
6.99% |
|
11/28/2025 |
6.99% |
|
11/27/2025 |
6.99% |
|
11/26/2025 |
6.99% |
|
11/25/2025 |
6.99% |
|
11/24/2025 |
6.99% |
|
11/23/2025 |
6.99% |
|
11/22/2025 |
6.99% |
|
11/21/2025 |
6.99% |
|
11/20/2025 |
6.99% |
|
11/19/2025 |
6.99% |
|
11/18/2025 |
6.99% |
|
11/17/2025 |
6.99% |
|
11/16/2025 |
6.99% |
|
11/15/2025 |
6.99% |
|
11/14/2025 |
6.99% |
|
11/13/2025 |
6.99% |
|
11/12/2025 |
6.99% |
|
11/11/2025 |
6.99% |
|
11/10/2025 |
6.99% |
|
11/09/2025 |
6.99% |
|
11/08/2025 |
6.99% |
|
11/07/2025 |
6.99% |
|
11/06/2025 |
6.99% |
|
11/05/2025 |
6.99% |
|
11/04/2025 |
6.99% |
|
11/03/2025 |
6.99% |
|
11/02/2025 |
6.99% |
|
11/01/2025 |
6.99% |
|
10/31/2025 |
6.99% |
|
10/30/2025 |
6.99% |
|
10/29/2025 |
6.99% |
|
10/28/2025 |
6.99% |
|
10/27/2025 |
6.99% |
|
10/26/2025 |
6.99% |
|
10/25/2025 |
6.99% |
|
10/24/2025 |
6.99% |
|
10/23/2025 |
6.99% |
|
10/22/2025 |
6.99% |
|
10/21/2025 |
7.39% |
|
10/20/2025 |
7.39% |
|
10/19/2025 |
7.39% |
|
10/18/2025 |
7.39% |
|
Date |
APR |
|
01/15/2026 |
7.49% |
|
01/14/2026 |
7.49% |
|
01/13/2026 |
7.49% |
|
01/12/2026 |
7.49% |
|
01/11/2026 |
7.49% |
|
01/10/2026 |
7.49% |
|
01/09/2026 |
7.49% |
|
01/08/2026 |
7.49% |
|
01/07/2026 |
7.49% |
|
01/06/2026 |
7.49% |
|
01/05/2026 |
7.49% |
|
01/04/2026 |
7.49% |
|
01/03/2026 |
7.49% |
|
01/02/2026 |
7.49% |
|
01/01/2026 |
7.49% |
|
12/31/2025 |
7.49% |
|
12/30/2025 |
7.49% |
|
12/29/2025 |
7.49% |
|
12/28/2025 |
7.49% |
|
12/27/2025 |
7.49% |
|
12/26/2025 |
7.49% |
|
12/25/2025 |
7.49% |
|
12/24/2025 |
7.49% |
|
12/23/2025 |
7.49% |
|
12/22/2025 |
7.49% |
|
12/21/2025 |
7.49% |
|
12/20/2025 |
7.49% |
|
12/19/2025 |
7.49% |
|
12/18/2025 |
7.49% |
|
12/17/2025 |
7.49% |
|
12/16/2025 |
7.49% |
|
12/15/2025 |
7.49% |
|
12/14/2025 |
7.49% |
|
12/13/2025 |
7.49% |
|
12/12/2025 |
7.49% |
|
12/11/2025 |
7.49% |
|
12/10/2025 |
7.49% |
|
12/09/2025 |
7.49% |
|
12/08/2025 |
7.49% |
|
12/07/2025 |
7.49% |
|
12/06/2025 |
7.49% |
|
12/05/2025 |
7.49% |
|
12/04/2025 |
7.49% |
|
12/03/2025 |
7.49% |
|
12/02/2025 |
7.49% |
|
12/01/2025 |
7.49% |
|
11/30/2025 |
7.49% |
|
11/29/2025 |
7.49% |
|
11/28/2025 |
7.49% |
|
11/27/2025 |
7.49% |
|
11/26/2025 |
7.49% |
|
11/25/2025 |
7.49% |
|
11/24/2025 |
7.49% |
|
11/23/2025 |
7.49% |
|
11/22/2025 |
7.49% |
|
11/21/2025 |
7.49% |
|
11/20/2025 |
7.49% |
|
11/19/2025 |
7.49% |
|
11/18/2025 |
7.49% |
|
11/17/2025 |
7.49% |
|
11/16/2025 |
7.49% |
|
11/15/2025 |
7.49% |
|
11/14/2025 |
7.49% |
|
11/13/2025 |
7.49% |
|
11/12/2025 |
7.49% |
|
11/11/2025 |
7.49% |
|
11/10/2025 |
7.49% |
|
11/09/2025 |
7.49% |
|
11/08/2025 |
7.49% |
|
11/07/2025 |
7.49% |
|
11/06/2025 |
7.49% |
|
11/05/2025 |
7.49% |
|
11/04/2025 |
7.49% |
|
11/03/2025 |
7.49% |
|
11/02/2025 |
7.49% |
|
11/01/2025 |
7.49% |
|
10/31/2025 |
7.49% |
|
10/30/2025 |
7.49% |
|
10/29/2025 |
7.49% |
|
10/28/2025 |
7.49% |
|
10/27/2025 |
7.49% |
|
10/26/2025 |
7.49% |
|
10/25/2025 |
7.49% |
|
10/24/2025 |
7.49% |
|
10/23/2025 |
7.49% |
|
10/22/2025 |
7.49% |
|
10/21/2025 |
7.99% |
|
10/20/2025 |
7.99% |
|
10/19/2025 |
7.99% |
|
10/18/2025 |
7.99% |