AutoLoanRate.com tracks MyAutoLoan's daily Used Car APRs. This page distills current levels across common loan terms, highlights recent shifts, and offers practical tips to help you lock a favorable rate without the guesswork.
The 36‑month APR has stayed around 6.74% in the latest window, with readings clustered near that mark for weeks. That makes this term the lowest-cost option in a typical used-car financing lineup. If you can handle a shorter payoff, you’ll generally pay far less interest over the life of the loan. Steady rates often follow a steady economy—keep an eye on inflation signals and credit conditions.
For the 60‑month term, APRs span roughly 7.24% to 7.49% in the current window. An uptick appeared around early October, with readings near 7.49% on 10/07/2025. Longer terms cost more in interest, so balance monthly payments against total cost. Shopping multiple lenders can help you snag the best number within this band.
The 72‑month APR has ranged from about 7.39% to 8.24 during the window. Readings have stepped into higher zones as rates fluctuated, signaling greater sensitivity to market moves. If you’re considering a longer loan, plan for higher total interest and the risk of less favorable terms if rates push higher.
84‑month rates start near 7.99% and have climbed toward 8.24% in the period you’re viewing. This term carries the most total interest over time, so weigh the lower monthly payments against the long-term cost. If cash flow is tight, this can be tempting—just stay mindful of the long payoff horizon.
Across the recent weeks, the four standard used‑car terms have hovered in a stable-to-upward corridor. The shortest term remains the most economical, while the longest terms carry the bulk of interest. This pattern aligns with a cautious rate environment influenced by inflation trends and borrowing costs. Expect continued sensitivity to macro news, with small moves up if economic data stays hotter than expected.
Check your credit score and prequalify with multiple lenders to compare offers, not just the advertised APR.
Explore term tradeoffs: shorter terms save interest but raise monthly payments; find the balance that fits your budget.
Lock your rate when you see a favorable move, but be aware rate locks have expiration and may incur a fee.
Shop for the total package: consider down payments or a trade‑in to reduce the loan amount and interest cost.
Prepare your car details and docs ahead of time to keep the process smooth once you pick a lender.
If inflation cools and economic data soften, we could see a modest dip in rates over the coming weeks. If inflation remains stubborn, rates may hold steady or edge higher in pockets. For buyers, lock a rate when your budget aligns with your car choice, and monitor market moves for a potential re‑lock if favorable changes arise.
The numbers reflect daily APR readings from MyAutoLoan across standard terms. Individual offers vary by credit, vehicle age, lender, region, and fees. This page is a planning guide, not a guarantee of any rate.
|
Date |
APR |
|
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% |
|
08/19/2025 |
6.74% |
|
08/18/2025 |
6.74% |
|
08/17/2025 |
6.74% |
|
08/16/2025 |
6.74% |
|
08/15/2025 |
6.74% |
|
08/14/2025 |
6.74% |
|
08/13/2025 |
6.74% |
|
08/12/2025 |
6.74% |
|
08/11/2025 |
6.74% |
|
08/10/2025 |
6.74% |
|
08/09/2025 |
6.74% |
|
08/08/2025 |
6.74% |
|
08/07/2025 |
6.74% |
|
08/06/2025 |
6.74% |
|
08/05/2025 |
6.74% |
|
08/04/2025 |
6.74% |
|
08/03/2025 |
6.74% |
|
08/02/2025 |
6.74% |
|
08/01/2025 |
6.74% |
|
07/31/2025 |
6.74% |
|
07/30/2025 |
6.74% |
|
07/29/2025 |
6.74% |
|
07/28/2025 |
6.74% |
|
07/27/2025 |
6.74% |
|
07/26/2025 |
6.74% |
|
07/25/2025 |
6.74% |
|
07/24/2025 |
6.74% |
|
07/23/2025 |
6.74% |
|
07/22/2025 |
6.74% |
|
07/21/2025 |
6.74% |
|
Date |
APR |
|
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% |
|
08/19/2025 |
7.49% |
|
08/18/2025 |
7.49% |
|
08/17/2025 |
7.49% |
|
08/16/2025 |
7.49% |
|
08/15/2025 |
7.49% |
|
08/14/2025 |
7.49% |
|
08/13/2025 |
7.49% |
|
08/12/2025 |
7.49% |
|
08/11/2025 |
7.49% |
|
08/10/2025 |
7.49% |
|
08/09/2025 |
7.49% |
|
08/08/2025 |
7.49% |
|
08/07/2025 |
7.49% |
|
08/06/2025 |
7.49% |
|
08/05/2025 |
7.49% |
|
08/04/2025 |
7.49% |
|
08/03/2025 |
7.49% |
|
08/02/2025 |
7.49% |
|
08/01/2025 |
7.49% |
|
07/31/2025 |
7.49% |
|
07/30/2025 |
7.49% |
|
07/29/2025 |
7.49% |
|
07/28/2025 |
7.49% |
|
07/27/2025 |
7.49% |
|
07/26/2025 |
7.49% |
|
07/25/2025 |
7.49% |
|
07/24/2025 |
7.49% |
|
07/23/2025 |
7.49% |
|
07/22/2025 |
7.49% |
|
07/21/2025 |
7.49% |
|
Date |
APR |
|
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% |
|
08/19/2025 |
7.64% |
|
08/18/2025 |
7.64% |
|
08/17/2025 |
7.64% |
|
08/16/2025 |
7.64% |
|
08/15/2025 |
7.64% |
|
08/14/2025 |
7.64% |
|
08/13/2025 |
7.64% |
|
08/12/2025 |
7.64% |
|
08/11/2025 |
7.64% |
|
08/10/2025 |
7.64% |
|
08/09/2025 |
7.64% |
|
08/08/2025 |
7.64% |
|
08/07/2025 |
7.64% |
|
08/06/2025 |
7.64% |
|
08/05/2025 |
7.64% |
|
08/04/2025 |
7.64% |
|
08/03/2025 |
7.64% |
|
08/02/2025 |
7.64% |
|
08/01/2025 |
7.64% |
|
07/31/2025 |
7.64% |
|
07/30/2025 |
7.64% |
|
07/29/2025 |
7.64% |
|
07/28/2025 |
7.64% |
|
07/27/2025 |
7.64% |
|
07/26/2025 |
7.64% |
|
07/25/2025 |
7.64% |
|
07/24/2025 |
7.64% |
|
07/23/2025 |
7.64% |
|
07/22/2025 |
7.64% |
|
07/21/2025 |
7.64% |
|
Date |
APR |
|
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% |
|
08/19/2025 |
8.24% |
|
08/18/2025 |
8.24% |
|
08/17/2025 |
8.24% |
|
08/16/2025 |
8.24% |
|
08/15/2025 |
8.24% |
|
08/14/2025 |
8.24% |
|
08/13/2025 |
8.24% |
|
08/12/2025 |
8.24% |
|
08/11/2025 |
8.24% |
|
08/10/2025 |
8.24% |
|
08/09/2025 |
8.24% |
|
08/08/2025 |
8.24% |
|
08/07/2025 |
8.24% |
|
08/06/2025 |
8.24% |
|
08/05/2025 |
8.24% |
|
08/04/2025 |
8.24% |
|
08/03/2025 |
8.24% |
|
08/02/2025 |
8.24% |
|
08/01/2025 |
8.24% |
|
07/31/2025 |
8.24% |
|
07/30/2025 |
8.24% |
|
07/29/2025 |
8.24% |
|
07/28/2025 |
8.24% |
|
07/27/2025 |
8.24% |
|
07/26/2025 |
8.24% |
|
07/25/2025 |
8.24% |
|
07/24/2025 |
8.24% |
|
07/23/2025 |
8.24% |
|
07/22/2025 |
8.24% |
|
07/21/2025 |
8.24% |