AutoLoanRate.com tracks daily Used Car APRs across common loan terms. As of 11/17/2025, latest observed rates are roughly: 36-month at 6.49%, 60-month at 6.89%, 72-month at 6.99%, and 84-month at 7.49%. Looking back to 10/21/2025, all four terms were higher: 36-month 6.74%, 60-month 7.24%, 72-month 7.39%, and 84-month 7.99%. The trend over that few weeks shows a dip across all terms, suggesting lenders may be reacting to softer funding costs or competitive market pressure.
The 36-month APR has eased from 6.74% on 10/21/2025 to 6.49% on 11/17/2025, a drop of about 0.25 percentage points. This term often carries the sharpest sensitivity to short-term funding costs and consumer demand. If the cycle of lower inflation continues, we may see continued modest declines or stabilization near the mid-6% range in the near term.
The 60-month APR moved from 7.24% on 10/21/2025 down to 6.89% on 11/17/2025, roughly a 0.35 percentage point decline. Longer terms tend to hold higher rates to cushion risk and extend the lender’s cost of funds. Expect volatility to be tied to inflation data and bond yields; a persistent dip in inflation could push these rates lower, while higher financing costs could stall or reverse the move.
For 72 months, the rate fell from 7.39% on 10/21/2025 to 6.99% on 11/17/2025, about a 0.40 point drop. This term sits in the middle of the curve and often reflects a balance between payment affordability and lender risk. If the market continues to ease, 72-month APRs may drift toward the mid-to-upper 6% range in the short term.
The longest term tracked moved from 7.99% on 10/21/2025 down to 7.49% on 11/17/2025, a decline of 0.50 percentage points. Longest terms show the greatest sensitivity to funding costs and risk premiums. If financing environment stays accommodative, we could see 84-month rates testing the 7.0–7.5% corridor in the near term.
Across these recent weeks, the curve has shown a softening pattern: shorter terms dropped modestly while longer terms fell more noticeably. This can reflect shifting lender funding costs, seasonal demand, or competitive pricing as banks and credit unions vie for loan business. Keep in mind that individual offers still hinge on credit score, vehicle price, down payment, and lender policies.
Shop daily: rates move, sometimes by tenths of a point. A few days can matter as lenders adjust their pricing.
Prequalify first: check your rate with a soft inquiry to avoid impacting credit scores while you compare offers.
Balance payment vs total cost: a lower monthly payment on a longer term isn’t always cheaper; compare total interest paid over the life of the loan.
Boost your credit score: even modest improvements can unlock lower APRs and better loan terms.
Make a down payment: a larger down payment can reduce loan amount and may help secure a lower rate or avoid loan-to-value penalties.
Shop multiple lenders: credit unions, banks, and online lenders each have different pricing and promotions. A quick comparison can pay off.
If inflation cools and the Fed signals slower policy tightening, APRs could trend lower across terms over the coming weeks. If funding costs or demand pressure rise, rates may stabilize near current levels or edge higher, especially for longer terms. Auto loans remain sensitive to macro forces, so daily tracking remains valuable for snagging the best deal.
We aggregate daily APR data across major terms, so you can spot moves and compare offers quickly. Use the daily snapshot as a compass for when to reach out to lenders or refresh prequalification checks.
Below this page, you’ll find a table comparing daily APRs from popular banks and lenders for standard terms. Use that reference as you search for real-world quotes tailored to your credit profile and vehicle choice.
|
Date |
APR |
|
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% |
|
10/17/2025 |
6.74% |
|
10/16/2025 |
6.74% |
|
10/15/2025 |
6.74% |
|
10/14/2025 |
6.74% |
|
10/13/2025 |
6.74% |
|
10/12/2025 |
6.74% |
|
10/11/2025 |
6.74% |
|
10/10/2025 |
6.74% |
|
10/09/2025 |
6.74% |
|
10/08/2025 |
6.74% |
|
10/07/2025 |
6.74% |
|
10/06/2025 |
6.74% |
|
10/05/2025 |
6.74% |
|
10/04/2025 |
6.74% |
|
10/03/2025 |
6.74% |
|
10/02/2025 |
6.74% |
|
10/01/2025 |
6.74% |
|
09/30/2025 |
6.74% |
|
09/29/2025 |
6.74% |
|
09/28/2025 |
6.74% |
|
09/27/2025 |
6.74% |
|
09/26/2025 |
6.74% |
|
09/25/2025 |
6.74% |
|
09/24/2025 |
6.74% |
|
09/23/2025 |
6.74% |
|
09/22/2025 |
6.74% |
|
09/21/2025 |
6.74% |
|
09/20/2025 |
6.74% |
|
09/19/2025 |
6.74% |
|
09/18/2025 |
6.74% |
|
09/17/2025 |
6.74% |
|
09/16/2025 |
6.74% |
|
09/15/2025 |
6.74% |
|
09/14/2025 |
6.74% |
|
09/13/2025 |
6.74% |
|
09/12/2025 |
6.74% |
|
09/11/2025 |
6.74% |
|
09/10/2025 |
6.74% |
|
09/09/2025 |
6.74% |
|
09/08/2025 |
6.74% |
|
09/07/2025 |
6.74% |
|
09/06/2025 |
6.74% |
|
09/05/2025 |
6.74% |
|
09/04/2025 |
6.74% |
|
09/03/2025 |
6.74% |
|
09/02/2025 |
6.74% |
|
09/01/2025 |
6.74% |
|
08/31/2025 |
6.74% |
|
08/30/2025 |
6.74% |
|
08/29/2025 |
6.74% |
|
08/28/2025 |
6.74% |
|
08/27/2025 |
6.74% |
|
08/26/2025 |
6.74% |
|
08/25/2025 |
6.74% |
|
08/24/2025 |
6.74% |
|
08/23/2025 |
6.74% |
|
08/22/2025 |
6.74% |
|
08/21/2025 |
6.74% |
|
08/20/2025 |
6.74% |
|
Date |
APR |
|
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% |
|
10/17/2025 |
7.24% |
|
10/16/2025 |
7.24% |
|
10/15/2025 |
7.24% |
|
10/14/2025 |
7.24% |
|
10/13/2025 |
7.24% |
|
10/12/2025 |
7.24% |
|
10/11/2025 |
7.24% |
|
10/10/2025 |
7.24% |
|
10/09/2025 |
7.24% |
|
10/08/2025 |
7.24% |
|
10/07/2025 |
7.49% |
|
10/06/2025 |
7.49% |
|
10/05/2025 |
7.49% |
|
10/04/2025 |
7.49% |
|
10/03/2025 |
7.49% |
|
10/02/2025 |
7.49% |
|
10/01/2025 |
7.49% |
|
09/30/2025 |
7.49% |
|
09/29/2025 |
7.49% |
|
09/28/2025 |
7.49% |
|
09/27/2025 |
7.49% |
|
09/26/2025 |
7.49% |
|
09/25/2025 |
7.49% |
|
09/24/2025 |
7.49% |
|
09/23/2025 |
7.49% |
|
09/22/2025 |
7.49% |
|
09/21/2025 |
7.49% |
|
09/20/2025 |
7.49% |
|
09/19/2025 |
7.49% |
|
09/18/2025 |
7.49% |
|
09/17/2025 |
7.49% |
|
09/16/2025 |
7.49% |
|
09/15/2025 |
7.49% |
|
09/14/2025 |
7.49% |
|
09/13/2025 |
7.49% |
|
09/12/2025 |
7.49% |
|
09/11/2025 |
7.49% |
|
09/10/2025 |
7.49% |
|
09/09/2025 |
7.49% |
|
09/08/2025 |
7.49% |
|
09/07/2025 |
7.49% |
|
09/06/2025 |
7.49% |
|
09/05/2025 |
7.49% |
|
09/04/2025 |
7.49% |
|
09/03/2025 |
7.49% |
|
09/02/2025 |
7.49% |
|
09/01/2025 |
7.49% |
|
08/31/2025 |
7.49% |
|
08/30/2025 |
7.49% |
|
08/29/2025 |
7.49% |
|
08/28/2025 |
7.49% |
|
08/27/2025 |
7.49% |
|
08/26/2025 |
7.49% |
|
08/25/2025 |
7.49% |
|
08/24/2025 |
7.49% |
|
08/23/2025 |
7.49% |
|
08/22/2025 |
7.49% |
|
08/21/2025 |
7.49% |
|
08/20/2025 |
7.49% |
|
Date |
APR |
|
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% |
|
10/17/2025 |
7.39% |
|
10/16/2025 |
7.39% |
|
10/15/2025 |
7.39% |
|
10/14/2025 |
7.39% |
|
10/13/2025 |
7.39% |
|
10/12/2025 |
7.39% |
|
10/11/2025 |
7.39% |
|
10/10/2025 |
7.39% |
|
10/09/2025 |
7.39% |
|
10/08/2025 |
7.39% |
|
10/07/2025 |
7.64% |
|
10/06/2025 |
7.64% |
|
10/05/2025 |
7.64% |
|
10/04/2025 |
7.64% |
|
10/03/2025 |
7.64% |
|
10/02/2025 |
7.64% |
|
10/01/2025 |
7.64% |
|
09/30/2025 |
7.64% |
|
09/29/2025 |
7.64% |
|
09/28/2025 |
7.64% |
|
09/27/2025 |
7.64% |
|
09/26/2025 |
7.64% |
|
09/25/2025 |
7.64% |
|
09/24/2025 |
7.64% |
|
09/23/2025 |
7.64% |
|
09/22/2025 |
7.64% |
|
09/21/2025 |
7.64% |
|
09/20/2025 |
7.64% |
|
09/19/2025 |
7.64% |
|
09/18/2025 |
7.64% |
|
09/17/2025 |
7.64% |
|
09/16/2025 |
7.64% |
|
09/15/2025 |
7.64% |
|
09/14/2025 |
7.64% |
|
09/13/2025 |
7.64% |
|
09/12/2025 |
7.64% |
|
09/11/2025 |
7.64% |
|
09/10/2025 |
7.64% |
|
09/09/2025 |
7.64% |
|
09/08/2025 |
7.64% |
|
09/07/2025 |
7.64% |
|
09/06/2025 |
7.64% |
|
09/05/2025 |
7.64% |
|
09/04/2025 |
7.64% |
|
09/03/2025 |
7.64% |
|
09/02/2025 |
7.64% |
|
09/01/2025 |
7.64% |
|
08/31/2025 |
7.64% |
|
08/30/2025 |
7.64% |
|
08/29/2025 |
7.64% |
|
08/28/2025 |
7.64% |
|
08/27/2025 |
7.64% |
|
08/26/2025 |
7.64% |
|
08/25/2025 |
7.64% |
|
08/24/2025 |
7.64% |
|
08/23/2025 |
7.64% |
|
08/22/2025 |
7.64% |
|
08/21/2025 |
7.64% |
|
08/20/2025 |
7.64% |
|
Date |
APR |
|
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% |
|
10/17/2025 |
7.99% |
|
10/16/2025 |
7.99% |
|
10/15/2025 |
7.99% |
|
10/14/2025 |
7.99% |
|
10/13/2025 |
7.99% |
|
10/12/2025 |
7.99% |
|
10/11/2025 |
7.99% |
|
10/10/2025 |
7.99% |
|
10/09/2025 |
7.99% |
|
10/08/2025 |
7.99% |
|
10/07/2025 |
8.24% |
|
10/06/2025 |
8.24% |
|
10/05/2025 |
8.24% |
|
10/04/2025 |
8.24% |
|
10/03/2025 |
8.24% |
|
10/02/2025 |
8.24% |
|
10/01/2025 |
8.24% |
|
09/30/2025 |
8.24% |
|
09/29/2025 |
8.24% |
|
09/28/2025 |
8.24% |
|
09/27/2025 |
8.24% |
|
09/26/2025 |
8.24% |
|
09/25/2025 |
8.24% |
|
09/24/2025 |
8.24% |
|
09/23/2025 |
8.24% |
|
09/22/2025 |
8.24% |
|
09/21/2025 |
8.24% |
|
09/20/2025 |
8.24% |
|
09/19/2025 |
8.24% |
|
09/18/2025 |
8.24% |
|
09/17/2025 |
8.24% |
|
09/16/2025 |
8.24% |
|
09/15/2025 |
8.24% |
|
09/14/2025 |
8.24% |
|
09/13/2025 |
8.24% |
|
09/12/2025 |
8.24% |
|
09/11/2025 |
8.24% |
|
09/10/2025 |
8.24% |
|
09/09/2025 |
8.24% |
|
09/08/2025 |
8.24% |
|
09/07/2025 |
8.24% |
|
09/06/2025 |
8.24% |
|
09/05/2025 |
8.24% |
|
09/04/2025 |
8.24% |
|
09/03/2025 |
8.24% |
|
09/02/2025 |
8.24% |
|
09/01/2025 |
8.24% |
|
08/31/2025 |
8.24% |
|
08/30/2025 |
8.24% |
|
08/29/2025 |
8.24% |
|
08/28/2025 |
8.24% |
|
08/27/2025 |
8.24% |
|
08/26/2025 |
8.24% |
|
08/25/2025 |
8.24% |
|
08/24/2025 |
8.24% |
|
08/23/2025 |
8.24% |
|
08/22/2025 |
8.24% |
|
08/21/2025 |
8.24% |
|
08/20/2025 |
8.24% |