Sun Trust — Daily Refinance Rates (Snapshot)
As of 10/06/2025 Sun Trust’s advertised refinance APRs sit at: 24‑month 6.49%, 36‑month 6.74%, 48‑month 6.89%, 60‑month 6.99% and 72‑month 7.49%. That puts the shortest term at the lowest rate and the 6‑year option about a full percentage point higher than the 2‑year.
Recent Rate Trend
After a late‑September bump (many terms spiked around 9/24–9/30), Sun Trust trimmed rates in early October. Between 10/02 and 10/03 each term dropped roughly 0.4–0.8 percentage points and has held steady through 10/06. In short: a short, visible peak in late September, followed by a meaningful pullback this week.
Why the change matters
Small APR moves add up. That ~0.5–0.75 point drop can shave months off interest or hundreds on monthly payments depending on your balance. If you’ve been waiting for rates to cool, this dip makes refinancing more attractive — especially if you can move to a shorter term and keep monthly cash flow in check.
Smart next steps
Check your credit snapshot, run quick quotes for the terms you care about, and compare the total interest across terms (not just the APR). If you plan to keep the car longer, a lower APR on a slightly longer term can still save money; if you want to pay it off fast, lock the shortest term with the lowest APR. Timing is key — rates can reverse quickly.
Use the table below — and let us help
We’ve got the daily APR table below so you can compare Sun Trust versus other banks at a glance. At AutoLoanRate.com we make those comparisons painless — run the numbers, pick the term that fits your life, and refinance with confidence.
24 Month Loan Term
|
Date |
APR |
|
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% |
|
07/18/2025 |
7.49% |
|
07/17/2025 |
7.49% |
|
07/16/2025 |
7.49% |
|
07/15/2025 |
7.49% |
|
07/14/2025 |
7.49% |
|
07/13/2025 |
7.49% |
|
07/12/2025 |
7.49% |
|
07/11/2025 |
7.49% |
|
07/10/2025 |
7.49% |
|
07/09/2025 |
7.49% |
36 Month Loan Term
|
Date |
APR |
|
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% |
|
07/18/2025 |
7.54% |
|
07/17/2025 |
7.54% |
|
07/16/2025 |
7.54% |
|
07/15/2025 |
7.54% |
|
07/14/2025 |
7.54% |
|
07/13/2025 |
7.54% |
|
07/12/2025 |
7.54% |
|
07/11/2025 |
7.54% |
|
07/10/2025 |
7.54% |
|
07/09/2025 |
7.54% |
48 Month Loan Term
|
Date |
APR |
|
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% |
|
07/18/2025 |
7.54% |
|
07/17/2025 |
7.54% |
|
07/16/2025 |
7.54% |
|
07/15/2025 |
7.54% |
|
07/14/2025 |
7.54% |
|
07/13/2025 |
7.54% |
|
07/12/2025 |
7.54% |
|
07/11/2025 |
7.54% |
|
07/10/2025 |
7.54% |
|
07/09/2025 |
7.54% |
60 Month Loan Term
|
Date |
APR |
|
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% |
|
07/18/2025 |
7.69% |
|
07/17/2025 |
7.69% |
|
07/16/2025 |
7.69% |
|
07/15/2025 |
7.69% |
|
07/14/2025 |
7.69% |
|
07/13/2025 |
7.69% |
|
07/12/2025 |
7.69% |
|
07/11/2025 |
7.69% |
|
07/10/2025 |
7.69% |
|
07/09/2025 |
7.69% |
72 Month Loan Term
|
Date |
APR |
|
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% |
|
07/18/2025 |
8.24% |
|
07/17/2025 |
8.24% |
|
07/16/2025 |
8.24% |
|
07/15/2025 |
8.24% |
|
07/14/2025 |
8.24% |
|
07/13/2025 |
8.24% |
|
07/12/2025 |
8.24% |
|
07/11/2025 |
8.24% |
|
07/10/2025 |
8.24% |
|
07/09/2025 |
8.24% |