AutoLoanRate.com tracks MyAutoLoan’s daily APRs across common loan terms: 36, 60, 72, and 84 months. The latest window (late Feb to mid-April 2026) shows rates moving higher across most terms versus the start of the period. Shorter-term loans generally sit in the mid-5% to mid-6% range, while longer terms carry higher APRs, reflecting the added risk and longer repayment horizon.
36 and 60 month terms: Across this data window, these terms hovered around 5.75% on many days, with several spikes into the mid-6% range as market pressure increased in early April.
72 month term: Typically higher than the short terms, averaging in the low-to-mid 7% range, with days near 7.4% during peak periods in the window.
84 month term: The highest among the four, often in the mid-to-high 7% range and touching the low 8% area on busier days in mid-April.
Historically, longer loan terms cost more in interest. The data for this period reinforces that pattern: as you extend the term, the APR tends to rise. The trend line across 36 through 84 months shows a clear staircase effect, especially during shifting rate environments, illustrating why term choice matters just as much as the rate itself.
Higher APRs increase both monthly payments and total interest paid over the life of the loan. Even small APR shifts compound over time, and the effect is more pronounced on longer terms. If you’re shopping for a used car, timing your rate lock and comparing multiple lenders can make a meaningful difference in overall cost.
While our daily feed provides a snapshot, actual offers vary by credit score, down payment, loan amount, and vehicle price. Use the data as a baseline to understand typical ranges for each term.
1) Check and improve your credit score before applying; a higher score often yields a lower APR. 2) Increase your down payment to reduce the loan size and the interest paid over time. 3) Prefer shorter terms if you can comfortably handle the monthly payment; you’ll pay less interest overall. 4) Shop pre-approvals from multiple lenders, including credit unions, to see who offers the best mix of rate and terms. 5) Compare used-car financing options and consider certified pre-owned or price negotiations to keep the loan amount down. 6) Monitor our daily APRs to time your rate lock when you’re ready to move forward.
If inflation cools and the Fed signals easing, auto loan APRs could edge lower modestly in the coming months. If economic momentum stays strong or supply constraints persist, rates may hold higher for longer. Given the sensitivity of auto financing to the broader rate backdrop, expect continued day-to-day variability, with longer-term trends guided by inflation data, policy signals, and lender competition.
Use our daily APRs as a starting point to compare offers across lenders and terms. Note the term you’re targeting, then look for the best combination of rate, down payment, and total cost. Daily movements matter most when you’re ready to secure financing; revisiting the data weekly can help you time a favorable rate lock.
We publish daily APRs to help you discover the best auto loan rates for used-car financing. Our feed aggregates trends across major terms and surfaces the range you can expect, so you can shop with confidence and save on interest over the life of your loan.
|
Date |
APR |
|
04/17/2026 |
5.75% |
|
04/16/2026 |
5.75% |
|
04/15/2026 |
5.75% |
|
04/14/2026 |
5.75% |
|
04/13/2026 |
5.75% |
|
04/12/2026 |
5.75% |
|
04/11/2026 |
5.75% |
|
04/10/2026 |
5.75% |
|
04/09/2026 |
5.75% |
|
04/08/2026 |
5.75% |
|
04/07/2026 |
5.75% |
|
04/06/2026 |
6.74% |
|
04/05/2026 |
6.74% |
|
04/04/2026 |
6.74% |
|
04/03/2026 |
6.74% |
|
04/02/2026 |
6.74% |
|
04/01/2026 |
6.74% |
|
03/31/2026 |
6.74% |
|
03/30/2026 |
6.74% |
|
03/29/2026 |
6.74% |
|
03/28/2026 |
6.74% |
|
03/27/2026 |
6.74% |
|
03/26/2026 |
6.74% |
|
03/25/2026 |
6.74% |
|
03/24/2026 |
6.74% |
|
03/23/2026 |
6.74% |
|
03/22/2026 |
6.74% |
|
03/21/2026 |
6.74% |
|
03/20/2026 |
6.74% |
|
03/19/2026 |
6.74% |
|
03/18/2026 |
6.74% |
|
03/17/2026 |
6.74% |
|
03/16/2026 |
6.74% |
|
03/15/2026 |
6.74% |
|
03/14/2026 |
6.74% |
|
03/13/2026 |
6.74% |
|
03/12/2026 |
6.74% |
|
03/11/2026 |
6.74% |
|
03/10/2026 |
6.74% |
|
03/09/2026 |
6.74% |
|
03/08/2026 |
6.74% |
|
03/07/2026 |
6.74% |
|
03/06/2026 |
6.74% |
|
03/05/2026 |
6.74% |
|
03/04/2026 |
6.74% |
|
03/03/2026 |
6.74% |
|
03/02/2026 |
6.74% |
|
03/01/2026 |
6.74% |
|
02/28/2026 |
6.74% |
|
02/27/2026 |
6.74% |
|
02/26/2026 |
6.74% |
|
02/25/2026 |
6.74% |
|
02/24/2026 |
6.74% |
|
02/23/2026 |
6.23% |
|
02/22/2026 |
6.23% |
|
02/21/2026 |
6.23% |
|
02/20/2026 |
6.23% |
|
02/19/2026 |
6.23% |
|
02/18/2026 |
6.23% |
|
02/17/2026 |
6.23% |
|
02/16/2026 |
6.23% |
|
02/15/2026 |
6.23% |
|
02/14/2026 |
6.23% |
|
02/13/2026 |
6.23% |
|
02/12/2026 |
6.23% |
|
02/11/2026 |
6.23% |
|
02/10/2026 |
6.23% |
|
02/09/2026 |
6.23% |
|
02/08/2026 |
6.23% |
|
02/07/2026 |
6.23% |
|
02/06/2026 |
6.23% |
|
02/05/2026 |
6.23% |
|
02/04/2026 |
6.23% |
|
02/03/2026 |
6.23% |
|
02/02/2026 |
6.23% |
|
02/01/2026 |
6.23% |
|
01/31/2026 |
6.23% |
|
01/30/2026 |
6.23% |
|
01/29/2026 |
6.23% |
|
01/28/2026 |
6.23% |
|
01/27/2026 |
6.23% |
|
01/26/2026 |
6.49% |
|
01/25/2026 |
6.49% |
|
01/24/2026 |
6.49% |
|
01/23/2026 |
6.49% |
|
01/22/2026 |
6.49% |
|
01/21/2026 |
6.49% |
|
01/20/2026 |
6.49% |
|
01/19/2026 |
6.49% |
|
01/18/2026 |
6.49% |
|
Date |
APR |
|
04/17/2026 |
5.75% |
|
04/16/2026 |
5.75% |
|
04/15/2026 |
5.75% |
|
04/14/2026 |
5.75% |
|
04/13/2026 |
5.75% |
|
04/12/2026 |
5.75% |
|
04/11/2026 |
5.75% |
|
04/10/2026 |
5.75% |
|
04/09/2026 |
5.75% |
|
04/08/2026 |
5.75% |
|
04/07/2026 |
5.75% |
|
04/06/2026 |
5.99% |
|
04/05/2026 |
5.99% |
|
04/04/2026 |
5.99% |
|
04/03/2026 |
5.99% |
|
04/02/2026 |
5.99% |
|
04/01/2026 |
5.99% |
|
03/31/2026 |
5.99% |
|
03/30/2026 |
5.99% |
|
03/29/2026 |
5.99% |
|
03/28/2026 |
5.99% |
|
03/27/2026 |
5.99% |
|
03/26/2026 |
5.99% |
|
03/25/2026 |
5.99% |
|
03/24/2026 |
5.99% |
|
03/23/2026 |
5.99% |
|
03/22/2026 |
5.99% |
|
03/21/2026 |
5.99% |
|
03/20/2026 |
5.99% |
|
03/19/2026 |
5.99% |
|
03/18/2026 |
5.99% |
|
03/17/2026 |
5.99% |
|
03/16/2026 |
5.99% |
|
03/15/2026 |
5.99% |
|
03/14/2026 |
5.99% |
|
03/13/2026 |
5.99% |
|
03/12/2026 |
5.99% |
|
03/11/2026 |
5.99% |
|
03/10/2026 |
5.99% |
|
03/09/2026 |
5.99% |
|
03/08/2026 |
5.99% |
|
03/07/2026 |
5.99% |
|
03/06/2026 |
5.99% |
|
03/05/2026 |
5.99% |
|
03/04/2026 |
5.99% |
|
03/03/2026 |
5.99% |
|
03/02/2026 |
5.99% |
|
03/01/2026 |
5.99% |
|
02/28/2026 |
5.99% |
|
02/27/2026 |
5.99% |
|
02/26/2026 |
5.99% |
|
02/25/2026 |
5.99% |
|
02/24/2026 |
5.99% |
|
02/23/2026 |
6.71% |
|
02/22/2026 |
6.71% |
|
02/21/2026 |
6.71% |
|
02/20/2026 |
6.71% |
|
02/19/2026 |
6.71% |
|
02/18/2026 |
6.71% |
|
02/17/2026 |
6.71% |
|
02/16/2026 |
6.71% |
|
02/15/2026 |
6.71% |
|
02/14/2026 |
6.71% |
|
02/13/2026 |
6.71% |
|
02/12/2026 |
6.71% |
|
02/11/2026 |
6.71% |
|
02/10/2026 |
6.71% |
|
02/09/2026 |
6.71% |
|
02/08/2026 |
6.71% |
|
02/07/2026 |
6.71% |
|
02/06/2026 |
6.71% |
|
02/05/2026 |
6.71% |
|
02/04/2026 |
6.71% |
|
02/03/2026 |
6.71% |
|
02/02/2026 |
6.71% |
|
02/01/2026 |
6.71% |
|
01/31/2026 |
6.71% |
|
01/30/2026 |
6.71% |
|
01/29/2026 |
6.71% |
|
01/28/2026 |
6.71% |
|
01/27/2026 |
6.71% |
|
01/26/2026 |
6.89% |
|
01/25/2026 |
6.89% |
|
01/24/2026 |
6.89% |
|
01/23/2026 |
6.89% |
|
01/22/2026 |
6.89% |
|
01/21/2026 |
6.89% |
|
01/20/2026 |
6.89% |
|
01/19/2026 |
6.89% |
|
01/18/2026 |
6.89% |
|
Date |
APR |
|
04/17/2026 |
7.24% |
|
04/16/2026 |
7.24% |
|
04/15/2026 |
7.24% |
|
04/14/2026 |
7.24% |
|
04/13/2026 |
7.24% |
|
04/12/2026 |
7.24% |
|
04/11/2026 |
7.24% |
|
04/10/2026 |
7.24% |
|
04/09/2026 |
7.24% |
|
04/08/2026 |
7.24% |
|
04/07/2026 |
7.24% |
|
04/06/2026 |
7.24% |
|
04/05/2026 |
7.24% |
|
04/04/2026 |
7.24% |
|
04/03/2026 |
7.24% |
|
04/02/2026 |
7.24% |
|
04/01/2026 |
7.24% |
|
03/31/2026 |
7.24% |
|
03/30/2026 |
7.24% |
|
03/29/2026 |
7.24% |
|
03/28/2026 |
7.24% |
|
03/27/2026 |
7.24% |
|
03/26/2026 |
7.24% |
|
03/25/2026 |
7.24% |
|
03/24/2026 |
7.24% |
|
03/23/2026 |
7.24% |
|
03/22/2026 |
7.24% |
|
03/21/2026 |
7.24% |
|
03/20/2026 |
7.24% |
|
03/19/2026 |
7.24% |
|
03/18/2026 |
7.24% |
|
03/17/2026 |
7.24% |
|
03/16/2026 |
7.24% |
|
03/15/2026 |
7.24% |
|
03/14/2026 |
7.24% |
|
03/13/2026 |
7.24% |
|
03/12/2026 |
7.24% |
|
03/11/2026 |
7.24% |
|
03/10/2026 |
7.24% |
|
03/09/2026 |
7.24% |
|
03/08/2026 |
7.24% |
|
03/07/2026 |
7.24% |
|
03/06/2026 |
7.24% |
|
03/05/2026 |
7.24% |
|
03/04/2026 |
7.24% |
|
03/03/2026 |
7.24% |
|
03/02/2026 |
7.24% |
|
03/01/2026 |
7.24% |
|
02/28/2026 |
7.24% |
|
02/27/2026 |
7.24% |
|
02/26/2026 |
7.24% |
|
02/25/2026 |
7.24% |
|
02/24/2026 |
7.24% |
|
02/23/2026 |
6.99% |
|
02/22/2026 |
6.99% |
|
02/21/2026 |
6.99% |
|
02/20/2026 |
6.99% |
|
02/19/2026 |
6.99% |
|
02/18/2026 |
6.99% |
|
02/17/2026 |
6.99% |
|
02/16/2026 |
6.99% |
|
02/15/2026 |
6.99% |
|
02/14/2026 |
6.99% |
|
02/13/2026 |
6.99% |
|
02/12/2026 |
6.99% |
|
02/11/2026 |
6.99% |
|
02/10/2026 |
6.99% |
|
02/09/2026 |
6.99% |
|
02/08/2026 |
6.99% |
|
02/07/2026 |
6.99% |
|
02/06/2026 |
6.99% |
|
02/05/2026 |
6.99% |
|
02/04/2026 |
6.99% |
|
02/03/2026 |
6.99% |
|
02/02/2026 |
6.99% |
|
02/01/2026 |
6.99% |
|
01/31/2026 |
6.99% |
|
01/30/2026 |
6.99% |
|
01/29/2026 |
6.99% |
|
01/28/2026 |
6.99% |
|
01/27/2026 |
6.99% |
|
01/26/2026 |
6.99% |
|
01/25/2026 |
6.99% |
|
01/24/2026 |
6.99% |
|
01/23/2026 |
6.99% |
|
01/22/2026 |
6.99% |
|
01/21/2026 |
6.99% |
|
01/20/2026 |
6.99% |
|
01/19/2026 |
6.99% |
|
01/18/2026 |
6.99% |
|
Date |
APR |
|
04/17/2026 |
8.09% |
|
04/16/2026 |
8.09% |
|
04/15/2026 |
8.09% |
|
04/14/2026 |
8.09% |
|
04/13/2026 |
8.09% |
|
04/12/2026 |
8.09% |
|
04/11/2026 |
8.09% |
|
04/10/2026 |
8.09% |
|
04/09/2026 |
8.09% |
|
04/08/2026 |
8.09% |
|
04/07/2026 |
8.09% |
|
04/06/2026 |
7.39% |
|
04/05/2026 |
7.39% |
|
04/04/2026 |
7.39% |
|
04/03/2026 |
7.39% |
|
04/02/2026 |
7.39% |
|
04/01/2026 |
7.39% |
|
03/31/2026 |
7.39% |
|
03/30/2026 |
7.39% |
|
03/29/2026 |
7.39% |
|
03/28/2026 |
7.39% |
|
03/27/2026 |
7.39% |
|
03/26/2026 |
7.39% |
|
03/25/2026 |
7.39% |
|
03/24/2026 |
7.39% |
|
03/23/2026 |
7.39% |
|
03/22/2026 |
7.39% |
|
03/21/2026 |
7.39% |
|
03/20/2026 |
7.39% |
|
03/19/2026 |
7.39% |
|
03/18/2026 |
7.39% |
|
03/17/2026 |
7.39% |
|
03/16/2026 |
7.39% |
|
03/15/2026 |
7.39% |
|
03/14/2026 |
7.39% |
|
03/13/2026 |
7.39% |
|
03/12/2026 |
7.39% |
|
03/11/2026 |
7.39% |
|
03/10/2026 |
7.39% |
|
03/09/2026 |
7.39% |
|
03/08/2026 |
7.39% |
|
03/07/2026 |
7.39% |
|
03/06/2026 |
7.39% |
|
03/05/2026 |
7.39% |
|
03/04/2026 |
7.39% |
|
03/03/2026 |
7.39% |
|
03/02/2026 |
7.39% |
|
03/01/2026 |
7.39% |
|
02/28/2026 |
7.39% |
|
02/27/2026 |
7.39% |
|
02/26/2026 |
7.39% |
|
02/25/2026 |
7.39% |
|
02/24/2026 |
7.39% |
|
02/23/2026 |
7.49% |
|
02/22/2026 |
7.49% |
|
02/21/2026 |
7.49% |
|
02/20/2026 |
7.49% |
|
02/19/2026 |
7.49% |
|
02/18/2026 |
7.49% |
|
02/17/2026 |
7.49% |
|
02/16/2026 |
7.49% |
|
02/15/2026 |
7.49% |
|
02/14/2026 |
7.49% |
|
02/13/2026 |
7.49% |
|
02/12/2026 |
7.49% |
|
02/11/2026 |
7.49% |
|
02/10/2026 |
7.49% |
|
02/09/2026 |
7.49% |
|
02/08/2026 |
7.49% |
|
02/07/2026 |
7.49% |
|
02/06/2026 |
7.49% |
|
02/05/2026 |
7.49% |
|
02/04/2026 |
7.49% |
|
02/03/2026 |
7.49% |
|
02/02/2026 |
7.49% |
|
02/01/2026 |
7.49% |
|
01/31/2026 |
7.49% |
|
01/30/2026 |
7.49% |
|
01/29/2026 |
7.49% |
|
01/28/2026 |
7.49% |
|
01/27/2026 |
7.49% |
|
01/26/2026 |
7.49% |
|
01/25/2026 |
7.49% |
|
01/24/2026 |
7.49% |
|
01/23/2026 |
7.49% |
|
01/22/2026 |
7.49% |
|
01/21/2026 |
7.49% |
|
01/20/2026 |
7.49% |
|
01/19/2026 |
7.49% |
|
01/18/2026 |
7.49% |