AutoLoanRate.com tracks SunTrust’s daily lease APRs across common loan terms. The latest data shows a fall 2025 pattern: a temporary pullback followed by a return to steadier levels into December. Shorter terms sit in the mid‑6% range, while longer terms sit higher, around the mid‑7% range. Daily moves can shift monthly payments by a few dollars, so a quick check can pay off.
The 24‑month APR has hovered around 6.49% through December 2025, after a brief October spike to 7.24%. In plain terms: expect low- to mid‑6% pricing most days, with a single short-lived jump in early fall. If you want the chunkier payoff with a smaller monthly bill, this term has been the most stable recently.
The 36‑month APR sits near 6.74% in December 2025, down from October‑November spikes around 7.49%–7.54%. The trend shows a move back toward the 6.7% area, offering a solid balance of payment size and total interest versus risk of rate swings.
The 48‑month APR runs around 6.89% as of December 2025, with October adjustments toward 7.29%–7.69% and September highs near 7.54%. Rates have cooled back toward the mid‑6s, making this a reasonable middle ground for cost and monthly budget.
The 60‑month APR has traded near 6.99% recently, after October moves up to 7.29%–7.44% and September peaks around 7.69%–8.24%. December shows a settling back into the high‑6% range, which helps keep long‑term payments predictable.
The 72‑month APR ranged upper‑7% to about 8% during the fall, with October highs near 7.99% and September around 8.24%. By December, it has eased toward 7.49%, offering the lowest long‑term monthly payments among the longer terms while preserving total interest considerations.
Across terms, SunTrust’s daily rates in late 2025 reflect broader market volatility: a surge in September–October followed by a pullback in November–December. Shorter terms tend to be less sensitive to rate swings, while longer terms show more pronounced shifts. The general pattern remains: longer terms carry higher APRs, and daily movements can create meaningful differences in monthly cost if you time your lock or purchase window.
Track the daily numbers and be ready to lock when you see a dip within your preferred term.
Compare APRs across multiple terms to find the best balance of monthly payment and total interest.
Prequalification can reveal your best rate without a hard pull on your credit score, helping you know where you stand before shopping.
Keep a healthy credit profile, minimize debt, and avoid add‑ons that inflate the total cost of the loan.
Ask about dealer incentives and SunTrust promotions that can sweeten the deal beyond the quoted APR.
If you’re in the market, use the daily SunTrust numbers as a timing tool. A short wait for a dip can shave hundreds of dollars off total interest over the life of the loan. Choose the term that fits your budget: shorter terms save interest but raise monthly payments; longer terms lower monthly costs but raise total interest. Find the sweet spot where payment comfort meets total cost efficiency.
With inflation cooling and the Fed signaling slower moves, auto loan rates could settle into a more stable range through early 2026. Expect 24–36 month terms to hover in the mid‑6% area, with 48–60 month terms in the high‑6% to low‑7% zone, and 72+ month terms around the mid‑7% to high‑7% region. Any shift in inflation, employment data, or policy signals could nudge rates modestly, but the path looks steadier than the rapid swings seen in fall 2025.
|
Date |
APR |
|
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 |
6.49% |
|
10/20/2025 |
6.49% |
|
10/19/2025 |
6.49% |
|
10/18/2025 |
6.49% |
|
10/17/2025 |
6.49% |
|
10/16/2025 |
6.49% |
|
10/15/2025 |
6.49% |
|
10/14/2025 |
6.49% |
|
10/13/2025 |
6.49% |
|
10/12/2025 |
6.49% |
|
10/11/2025 |
6.49% |
|
10/10/2025 |
6.49% |
|
10/09/2025 |
6.49% |
|
10/08/2025 |
6.49% |
|
10/07/2025 |
6.49% |
|
10/06/2025 |
6.49% |
|
10/05/2025 |
6.49% |
|
10/04/2025 |
6.49% |
|
10/03/2025 |
6.49% |
|
10/02/2025 |
7.24% |
|
10/01/2025 |
7.24% |
|
09/30/2025 |
7.24% |
|
09/29/2025 |
7.24% |
|
09/28/2025 |
7.24% |
|
09/27/2025 |
7.24% |
|
09/26/2025 |
7.24% |
|
09/25/2025 |
7.24% |
|
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% |
|
Date |
APR |
|
12/14/2025 |
6.74% |
|
12/13/2025 |
6.74% |
|
12/12/2025 |
6.74% |
|
12/11/2025 |
6.74% |
|
12/10/2025 |
6.74% |
|
12/09/2025 |
6.74% |
|
12/08/2025 |
6.74% |
|
12/07/2025 |
6.74% |
|
12/06/2025 |
6.74% |
|
12/05/2025 |
6.74% |
|
12/04/2025 |
6.74% |
|
12/03/2025 |
6.74% |
|
12/02/2025 |
6.74% |
|
12/01/2025 |
6.74% |
|
11/30/2025 |
6.74% |
|
11/29/2025 |
6.74% |
|
11/28/2025 |
6.74% |
|
11/27/2025 |
6.74% |
|
11/26/2025 |
6.74% |
|
11/25/2025 |
6.74% |
|
11/24/2025 |
6.74% |
|
11/23/2025 |
6.74% |
|
11/22/2025 |
6.74% |
|
11/21/2025 |
6.74% |
|
11/20/2025 |
6.74% |
|
11/19/2025 |
6.74% |
|
11/18/2025 |
6.74% |
|
11/17/2025 |
6.74% |
|
11/16/2025 |
6.74% |
|
11/15/2025 |
6.74% |
|
11/14/2025 |
6.74% |
|
11/13/2025 |
6.74% |
|
11/12/2025 |
6.74% |
|
11/11/2025 |
6.74% |
|
11/10/2025 |
6.74% |
|
11/09/2025 |
6.74% |
|
11/08/2025 |
6.74% |
|
11/07/2025 |
6.74% |
|
11/06/2025 |
6.74% |
|
11/05/2025 |
6.74% |
|
11/04/2025 |
6.74% |
|
11/03/2025 |
6.74% |
|
11/02/2025 |
6.74% |
|
11/01/2025 |
6.74% |
|
10/31/2025 |
6.74% |
|
10/30/2025 |
6.74% |
|
10/29/2025 |
6.74% |
|
10/28/2025 |
6.74% |
|
10/27/2025 |
6.74% |
|
10/26/2025 |
6.74% |
|
10/25/2025 |
6.74% |
|
10/24/2025 |
6.74% |
|
10/23/2025 |
6.74% |
|
10/22/2025 |
6.74% |
|
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 |
7.29% |
|
10/01/2025 |
7.29% |
|
09/30/2025 |
7.29% |
|
09/29/2025 |
7.29% |
|
09/28/2025 |
7.29% |
|
09/27/2025 |
7.29% |
|
09/26/2025 |
7.29% |
|
09/25/2025 |
7.29% |
|
09/24/2025 |
7.54% |
|
09/23/2025 |
7.54% |
|
09/22/2025 |
7.54% |
|
09/21/2025 |
7.54% |
|
09/20/2025 |
7.54% |
|
09/19/2025 |
7.54% |
|
09/18/2025 |
7.54% |
|
09/17/2025 |
7.54% |
|
09/16/2025 |
7.54% |
|
Date |
APR |
|
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 |
6.89% |
|
10/20/2025 |
6.89% |
|
10/19/2025 |
6.89% |
|
10/18/2025 |
6.89% |
|
10/17/2025 |
6.89% |
|
10/16/2025 |
6.89% |
|
10/15/2025 |
6.89% |
|
10/14/2025 |
6.89% |
|
10/13/2025 |
6.89% |
|
10/12/2025 |
6.89% |
|
10/11/2025 |
6.89% |
|
10/10/2025 |
6.89% |
|
10/09/2025 |
6.89% |
|
10/08/2025 |
6.89% |
|
10/07/2025 |
6.89% |
|
10/06/2025 |
6.89% |
|
10/05/2025 |
6.89% |
|
10/04/2025 |
6.89% |
|
10/03/2025 |
6.89% |
|
10/02/2025 |
7.29% |
|
10/01/2025 |
7.29% |
|
09/30/2025 |
7.29% |
|
09/29/2025 |
7.29% |
|
09/28/2025 |
7.29% |
|
09/27/2025 |
7.29% |
|
09/26/2025 |
7.29% |
|
09/25/2025 |
7.29% |
|
09/24/2025 |
7.54% |
|
09/23/2025 |
7.54% |
|
09/22/2025 |
7.54% |
|
09/21/2025 |
7.54% |
|
09/20/2025 |
7.54% |
|
09/19/2025 |
7.54% |
|
09/18/2025 |
7.54% |
|
09/17/2025 |
7.54% |
|
09/16/2025 |
7.54% |
|
Date |
APR |
|
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 |
6.99% |
|
10/20/2025 |
6.99% |
|
10/19/2025 |
6.99% |
|
10/18/2025 |
6.99% |
|
10/17/2025 |
6.99% |
|
10/16/2025 |
6.99% |
|
10/15/2025 |
6.99% |
|
10/14/2025 |
6.99% |
|
10/13/2025 |
6.99% |
|
10/12/2025 |
6.99% |
|
10/11/2025 |
6.99% |
|
10/10/2025 |
6.99% |
|
10/09/2025 |
6.99% |
|
10/08/2025 |
6.99% |
|
10/07/2025 |
6.99% |
|
10/06/2025 |
6.99% |
|
10/05/2025 |
6.99% |
|
10/04/2025 |
6.99% |
|
10/03/2025 |
6.99% |
|
10/02/2025 |
7.44% |
|
10/01/2025 |
7.44% |
|
09/30/2025 |
7.44% |
|
09/29/2025 |
7.44% |
|
09/28/2025 |
7.44% |
|
09/27/2025 |
7.44% |
|
09/26/2025 |
7.44% |
|
09/25/2025 |
7.44% |
|
09/24/2025 |
7.69% |
|
09/23/2025 |
7.69% |
|
09/22/2025 |
7.69% |
|
09/21/2025 |
7.69% |
|
09/20/2025 |
7.69% |
|
09/19/2025 |
7.69% |
|
09/18/2025 |
7.69% |
|
09/17/2025 |
7.69% |
|
09/16/2025 |
7.69% |
|
Date |
APR |
|
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 |
7.49% |
|
10/20/2025 |
7.49% |
|
10/19/2025 |
7.49% |
|
10/18/2025 |
7.49% |
|
10/17/2025 |
7.49% |
|
10/16/2025 |
7.49% |
|
10/15/2025 |
7.49% |
|
10/14/2025 |
7.49% |
|
10/13/2025 |
7.49% |
|
10/12/2025 |
7.49% |
|
10/11/2025 |
7.49% |
|
10/10/2025 |
7.49% |
|
10/09/2025 |
7.49% |
|
10/08/2025 |
7.49% |
|
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 |
7.99% |
|
10/01/2025 |
7.99% |
|
09/30/2025 |
7.99% |
|
09/29/2025 |
7.99% |
|
09/28/2025 |
7.99% |
|
09/27/2025 |
7.99% |
|
09/26/2025 |
7.99% |
|
09/25/2025 |
7.99% |
|
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% |