As of 10/16/2025 SunTrust’s refinance APRs sit comfortably lower than they were a few weeks ago: 24‑month 6.49%, 36‑month 6.74%, 48‑month 6.89%, 60‑month 6.99% and 72‑month 7.49%. You’ll see those exact daily numbers in the table below on AutoLoanRate.com.
Rates held in the mid‑to‑high 7% range through July–September (many terms near 7.49%–8.24%). Beginning around 10/02 there was a step down (most terms slipped from ~7.2–7.9%), and by 10/03–10/16 several terms fell again into the high 6% range. In short: steady high readings gave way to a multi‑day pullback — and then a stable lower plateau.
Late summer saw higher, more volatile APRs across terms, reflecting broader rate pressure last quarter. Shorter terms historically carry lower APRs — that pattern holds here, with 24–48 month loans noticeably cheaper than 60–72 month options. The recent move is the biggest sustained improvement we’ve seen since midsummer.
Markets now price a chance of further modest easing if macro data softens or central bank guidance turns dovish. That could nudge SunTrust rates a touch lower. Conversely, surprise inflation or hawkish policy would push them back up. Expect short‑term stability with occasional one‑day moves; meaningful declines depend on bigger economic signals.
1) Compare terms, not just APR — monthly payment, total interest, and fees matter. 2) If your credit improved, get prequalified to leverage a better rate. 3) Shorter terms often save money despite higher monthly payments — crunch the numbers. 4) Beware of prepayment penalties and lender fees that can erase refinance savings.
If your current rate is materially above today’s SunTrust offers and you plan to keep the car, get quotes from multiple lenders, lock a rate when it’s favorable, and prioritize lenders with transparent fees. Bookmark this page on AutoLoanRate.com and check the daily APR table below — timing a refinance can shave hundreds off total interest.
|
Date |
APR |
|
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% |
|
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% |
|
07/20/2025 |
7.49% |
|
07/19/2025 |
7.49% |
|
Date |
APR |
|
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% |
|
09/15/2025 |
7.54% |
|
09/14/2025 |
7.54% |
|
09/13/2025 |
7.54% |
|
09/12/2025 |
7.54% |
|
09/11/2025 |
7.54% |
|
09/10/2025 |
7.54% |
|
09/09/2025 |
7.54% |
|
09/08/2025 |
7.54% |
|
09/07/2025 |
7.54% |
|
09/06/2025 |
7.54% |
|
09/05/2025 |
7.54% |
|
09/04/2025 |
7.54% |
|
09/03/2025 |
7.54% |
|
09/02/2025 |
7.54% |
|
09/01/2025 |
7.54% |
|
08/31/2025 |
7.54% |
|
08/30/2025 |
7.54% |
|
08/29/2025 |
7.54% |
|
08/28/2025 |
7.54% |
|
08/27/2025 |
7.54% |
|
08/26/2025 |
7.54% |
|
08/25/2025 |
7.54% |
|
08/24/2025 |
7.54% |
|
08/23/2025 |
7.54% |
|
08/22/2025 |
7.54% |
|
08/21/2025 |
7.54% |
|
08/20/2025 |
7.54% |
|
08/19/2025 |
7.54% |
|
08/18/2025 |
7.54% |
|
08/17/2025 |
7.54% |
|
08/16/2025 |
7.54% |
|
08/15/2025 |
7.54% |
|
08/14/2025 |
7.54% |
|
08/13/2025 |
7.54% |
|
08/12/2025 |
7.54% |
|
08/11/2025 |
7.54% |
|
08/10/2025 |
7.54% |
|
08/09/2025 |
7.54% |
|
08/08/2025 |
7.54% |
|
08/07/2025 |
7.54% |
|
08/06/2025 |
7.54% |
|
08/05/2025 |
7.54% |
|
08/04/2025 |
7.54% |
|
08/03/2025 |
7.54% |
|
08/02/2025 |
7.54% |
|
08/01/2025 |
7.54% |
|
07/31/2025 |
7.54% |
|
07/30/2025 |
7.54% |
|
07/29/2025 |
7.54% |
|
07/28/2025 |
7.54% |
|
07/27/2025 |
7.54% |
|
07/26/2025 |
7.54% |
|
07/25/2025 |
7.54% |
|
07/24/2025 |
7.54% |
|
07/23/2025 |
7.54% |
|
07/22/2025 |
7.54% |
|
07/21/2025 |
7.54% |
|
07/20/2025 |
7.54% |
|
07/19/2025 |
7.54% |
|
Date |
APR |
|
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% |
|
09/15/2025 |
7.54% |
|
09/14/2025 |
7.54% |
|
09/13/2025 |
7.54% |
|
09/12/2025 |
7.54% |
|
09/11/2025 |
7.54% |
|
09/10/2025 |
7.54% |
|
09/09/2025 |
7.54% |
|
09/08/2025 |
7.54% |
|
09/07/2025 |
7.54% |
|
09/06/2025 |
7.54% |
|
09/05/2025 |
7.54% |
|
09/04/2025 |
7.54% |
|
09/03/2025 |
7.54% |
|
09/02/2025 |
7.54% |
|
09/01/2025 |
7.54% |
|
08/31/2025 |
7.54% |
|
08/30/2025 |
7.54% |
|
08/29/2025 |
7.54% |
|
08/28/2025 |
7.54% |
|
08/27/2025 |
7.54% |
|
08/26/2025 |
7.54% |
|
08/25/2025 |
7.54% |
|
08/24/2025 |
7.54% |
|
08/23/2025 |
7.54% |
|
08/22/2025 |
7.54% |
|
08/21/2025 |
7.54% |
|
08/20/2025 |
7.54% |
|
08/19/2025 |
7.54% |
|
08/18/2025 |
7.54% |
|
08/17/2025 |
7.54% |
|
08/16/2025 |
7.54% |
|
08/15/2025 |
7.54% |
|
08/14/2025 |
7.54% |
|
08/13/2025 |
7.54% |
|
08/12/2025 |
7.54% |
|
08/11/2025 |
7.54% |
|
08/10/2025 |
7.54% |
|
08/09/2025 |
7.54% |
|
08/08/2025 |
7.54% |
|
08/07/2025 |
7.54% |
|
08/06/2025 |
7.54% |
|
08/05/2025 |
7.54% |
|
08/04/2025 |
7.54% |
|
08/03/2025 |
7.54% |
|
08/02/2025 |
7.54% |
|
08/01/2025 |
7.54% |
|
07/31/2025 |
7.54% |
|
07/30/2025 |
7.54% |
|
07/29/2025 |
7.54% |
|
07/28/2025 |
7.54% |
|
07/27/2025 |
7.54% |
|
07/26/2025 |
7.54% |
|
07/25/2025 |
7.54% |
|
07/24/2025 |
7.54% |
|
07/23/2025 |
7.54% |
|
07/22/2025 |
7.54% |
|
07/21/2025 |
7.54% |
|
07/20/2025 |
7.54% |
|
07/19/2025 |
7.54% |
|
Date |
APR |
|
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% |
|
09/15/2025 |
7.69% |
|
09/14/2025 |
7.69% |
|
09/13/2025 |
7.69% |
|
09/12/2025 |
7.69% |
|
09/11/2025 |
7.69% |
|
09/10/2025 |
7.69% |
|
09/09/2025 |
7.69% |
|
09/08/2025 |
7.69% |
|
09/07/2025 |
7.69% |
|
09/06/2025 |
7.69% |
|
09/05/2025 |
7.69% |
|
09/04/2025 |
7.69% |
|
09/03/2025 |
7.69% |
|
09/02/2025 |
7.69% |
|
09/01/2025 |
7.69% |
|
08/31/2025 |
7.69% |
|
08/30/2025 |
7.69% |
|
08/29/2025 |
7.69% |
|
08/28/2025 |
7.69% |
|
08/27/2025 |
7.69% |
|
08/26/2025 |
7.69% |
|
08/25/2025 |
7.69% |
|
08/24/2025 |
7.69% |
|
08/23/2025 |
7.69% |
|
08/22/2025 |
7.69% |
|
08/21/2025 |
7.69% |
|
08/20/2025 |
7.69% |
|
08/19/2025 |
7.69% |
|
08/18/2025 |
7.69% |
|
08/17/2025 |
7.69% |
|
08/16/2025 |
7.69% |
|
08/15/2025 |
7.69% |
|
08/14/2025 |
7.69% |
|
08/13/2025 |
7.69% |
|
08/12/2025 |
7.69% |
|
08/11/2025 |
7.69% |
|
08/10/2025 |
7.69% |
|
08/09/2025 |
7.69% |
|
08/08/2025 |
7.69% |
|
08/07/2025 |
7.69% |
|
08/06/2025 |
7.69% |
|
08/05/2025 |
7.69% |
|
08/04/2025 |
7.69% |
|
08/03/2025 |
7.69% |
|
08/02/2025 |
7.69% |
|
08/01/2025 |
7.69% |
|
07/31/2025 |
7.69% |
|
07/30/2025 |
7.69% |
|
07/29/2025 |
7.69% |
|
07/28/2025 |
7.69% |
|
07/27/2025 |
7.69% |
|
07/26/2025 |
7.69% |
|
07/25/2025 |
7.69% |
|
07/24/2025 |
7.69% |
|
07/23/2025 |
7.69% |
|
07/22/2025 |
7.69% |
|
07/21/2025 |
7.69% |
|
07/20/2025 |
7.69% |
|
07/19/2025 |
7.69% |
|
Date |
APR |
|
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% |
|
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% |
|
07/20/2025 |
8.24% |
|
07/19/2025 |
8.24% |