AutoLoanRate.com tracks daily Used Car APRs across common loan terms. As of 01/09/2026, typical averages are: 36 months at 6.49%, 60 months at 6.89%, 72 months at 6.99%, and 84 months at 7.49%. These figures reflect today’s lender quotes and show a steady start to the year. Use these anchors when you shop, but always compare current offers from multiple lenders before locking in.
In late 2025, longer terms moved into higher territory before easing back. For example, around 10/21/2025 the 36-month rate reached the mid‑6% range, with longer terms climbing into the upper 7% area. By late November and December, the spikes faded and rates settled back near the mid‑ to upper‑6% range for shorter terms and the high 6% to low 7% range for longer terms. As a result, January 2026 shows a reversion toward the more typical 6%–7% band across most terms, with the longest terms still hovering a bit higher. In short: a brief period of volatility in fall 2025 gave way to a more stable start to 2026.
Our daily data shows a pronounced October 2025 uptick across terms, followed by a gradual pullback through year‑end. The 36‑month rate held around 6.5%–6.7% during that rebound, while 60‑, 72‑, and 84‑month rates touched higher mid‑to‑upper single digits at the peak. Since November 2025, rates progressively retraced, with 36‑month staying near 6.5% and longer terms easing into the 6.9%–7.5% range by early January 2026. This pattern is a normal reflection of shifting monetary signals and lender risk assessment over a tightening cycle.
Shop broadly and compare multiple lenders, including banks, credit unions, and online lenders. Get prequalified to see a rate without impacting your credit score. If you can afford it, consider a shorter term to lower overall interest, even if the monthly payment rises. Lock in a fixed rate if you expect rates to rise, but explore rate locks or float‑down options when available. Look for dealer promos or lender credits that can shave a bit off the APR. And always align your loan size, term, and down payment with a comfortable monthly budget.
Experts expect rates to move within a relatively narrow corridor through 2026, with small downside risk if inflation cools faster than anticipated. If economic momentum slows and the Fed signals patience, we could see modest declines; if inflation stays sticky, rates may hold near current levels longer. AutoLoanRate.com will keep refreshing the feed so you can spot favorable windows to lock in a rate that fits your plan.
We summarize daily Used Car APRs so you can compare quickly and find the best fit for your budget. Use our live data as a baseline, then request quotes from several lenders to see the actual numbers you’re offered. When you’re ready, lock in a rate that keeps your monthly payment comfortable and your total interest reasonable. Ready to compare? We’ve got you covered, every day.
|
Date |
APR |
|
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% |
|
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% |
|
Date |
APR |
|
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% |
|
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% |
|
Date |
APR |
|
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% |
|
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% |
|
Date |
APR |
|
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% |
|
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% |