AutoLoanRate.com tracks MyAutoLoan’s daily Used Car APRs to help you compare options quickly. As of 03/02/2026, a concise snapshot across common loan terms shows 36-month APR around 6.74%, 60-month APR near 5.99%, 72-month APR about 7.24%, and 84-month APR close to 7.39%. The latest days show some movement: 36-month dipped to about 6.23% around late February, while mid- to longer terms varied more noticeably—60-month and beyond fluctuating with market signals and lender pricing. This means your best bet is to compare across terms and keep an eye on small daily shifts that can add up over the life of the loan.
36 Month Loan Term: The near-term rate hovered around the mid-6% range, with a notable dip to roughly 6.23% in late February and a return toward the mid-6% area in March. These swings are typical as lenders adjust for demand and risk as household budgets shift.
60 Month Loan Term: The 60-month line started March near 5.99% but rose through late February toward 6.7% and beyond, with readings nudging into the high 6% to high 7% range depending on the day and lender tier. Longer financing tends to be more sensitive to macro pricing and credit market moves.
72 Month Loan Term: From about 7.24% at the start of March, this term showed more volatility and a dip toward 6.99% around late February, then edged back toward 7.4% in the following weeks. The 72-month term often tracks higher than shorter terms due to extended risk exposure for lenders.
84 Month Loan Term: Beginning near 7.39%, this term maintained a higher floor and moved into the mid- to upper-7% range as February progressed. Longer terms carry higher total interest despite smaller monthly payments, a trade-off to consider with your budget.
Over the past year, shorter terms generally price closer to the low-to-mid 6% range, while longer terms sit in the 7% territory or higher. The spread between 36-month and 84-month APRs has remained a reminder that choosing a longer term can increase total interest even if monthly payments look more affordable. The daily numbers reflect ongoing shifts in the broader credit markets, inflation expectations, and Federal Reserve signals, so expect periodic volatility rather than a straight line up or down.
Shop multiple lenders daily. Rates change, and small differences can save hundreds over a multi-year loan.
Check your credit score and get preapproved. A modest improvement in credit behavior or a clean report can nudge you into a lower tier with better pricing.
Match term to need and budget. If you can comfortably handle a shorter term, you may save interest even if the monthly payment is higher. If a longer term is essential, look for the lowest rate available for that term.
Put down more cash if possible. A larger down payment reduces the loan amount, which can unlock lower APRs and reduce total interest paid.
Avoid add-ons that inflate the APR. Some lenders offer protection packages or extras that boost the effective rate; weigh the value carefully against cost.
If inflation cools and the Fed signals restraint or cuts, auto loan APRs could ease modestly across terms. Conversely, if price pressures persist or credit conditions tighten, you may see continued variability with some terms trading higher APRs. The key with today’s data is to stay prepared: secure preapproval, lock in a favorable term when you find a solid rate, and monitor daily moves to time your rate if you’re close to buying.
We aggregate and present daily APRs for multiple loan terms so you can compare side by side. Use the table of daily rates as a reference, but verify current offers with lenders and consider your personal budget, down payment, and credit profile. The best rate is the one that fits your timeline, minimizes total interest, and keeps monthly payments comfortable.
All rates in this page reflect daily updates from MyAutoLoan via AutoLoanRate.com. Trends can shift with market news, so revisit this page regularly if you’re planning a purchase in the near term.
Used car APRs follow a tiered pattern: shorter terms are typically cheaper, longer terms more expensive, with daily volatility offering opportunities to save. By staying informed and comparing across terms and lenders, you maximize your odds of a favorable price on your next used car loan.
|
Date |
APR |
|
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% |
|
01/17/2026 |
6.49% |
|
01/16/2026 |
6.49% |
|
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% |
|
Date |
APR |
|
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% |
|
01/17/2026 |
6.89% |
|
01/16/2026 |
6.89% |
|
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% |
|
Date |
APR |
|
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% |
|
01/17/2026 |
6.99% |
|
01/16/2026 |
6.99% |
|
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% |
|
Date |
APR |
|
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% |
|
01/17/2026 |
7.49% |
|
01/16/2026 |
7.49% |
|
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% |