AutoLoanRate.com tracks SunTrust’s daily used-car APRs to help you see how rates move over time. Here’s a concise snapshot from late September through October 20, 2025.
As of 10/20/2025, the latest observed values are about 24-month at 6.24%, 36-month at 6.49%, 48-month at 6.64%, 60-month at 6.74%, and 72-month at 7.24%.
24-month terms trended around 6.24% for much of early October after peaking near 7.24% in late September; the most recent day shows a return to 6.24%, signaling a brief pullback.
36-month terms moved from roughly 6.49% in early October to a late-September high near 7.24%, with 6.49% again by 10/20/2025 suggesting a soft landing after the spike.
48-month terms ranged 6.64% to about 7.99% in late September, retreating to 6.64% on 10/20/2025 as market volatility eased a bit.
60-month terms showed larger swings: around 6.74% in October, spiking toward 7.39–7.74% in late September, and back to roughly 6.74% by 10/20/2025.
72-month terms hovered near 7.24% for much of the period, spiking to about 7.99% in late September before easing toward 7.24% by mid-October (latest around 10/20/2025).
The pattern mirrors broader auto lending behavior: rates drift higher through late summer and early fall as inflation concerns and policy expectations shift, then fluctuate with lender competition and economic news. SunTrust’s daily data show shorter terms reacting quickly to market moves, while longer terms often exhibit bigger swings. The fall highs in late September reflect risk premiums widening, with some pullback in October as conditions stabilized.
Shop multiple lenders and pull credit only when you’re ready to apply. Getting prequalified or preapproved can lock in a rate while you shop without hurting your credit score.
Consider a shorter loan term if you can afford higher monthly payments; you may pay less interest overall even if the rate is similar. A larger down payment lowers the loan amount and can boost your APR offers.
Time your search with rate moves. If market expectations point higher, securing a pre-approval now and monitoring weekly can help you lock a favorable rate when you’re ready.
Read the fine print. Check for prepayment penalties, origination fees, and whether a quoted APR is a promo rate or a standard rate tied to a credit tier.
In the coming months, volatility is likely as inflation data and Fed guidance influence expectations. If inflation cools and growth slows, rates could ease modestly; if pricing remains sticky, longer-term rates may drift higher. For SunTrust, 24- and 36-month loans could stabilize around 6.0–7.0%, while 60- to 72-month terms may linger in the 7.0–8.0% range until further rate moves occur.
Use this page as your compass when comparing daily SunTrust rates across terms. The table below (further down) provides a quick reference; check the latest moves and lock in a rate that fits your budget as soon as you see a favorable fit.
|
Date |
APR |
|
10/20/2025 |
6.24% |
|
10/19/2025 |
6.24% |
|
10/18/2025 |
6.24% |
|
10/17/2025 |
6.24% |
|
10/16/2025 |
6.24% |
|
10/15/2025 |
6.24% |
|
10/14/2025 |
6.24% |
|
10/13/2025 |
6.24% |
|
10/12/2025 |
6.24% |
|
10/11/2025 |
6.24% |
|
10/10/2025 |
6.24% |
|
10/09/2025 |
6.24% |
|
10/08/2025 |
6.24% |
|
10/07/2025 |
6.24% |
|
10/06/2025 |
6.24% |
|
10/05/2025 |
6.24% |
|
10/04/2025 |
6.24% |
|
10/03/2025 |
6.24% |
|
10/02/2025 |
6.99% |
|
10/01/2025 |
6.99% |
|
09/30/2025 |
6.99% |
|
09/29/2025 |
6.99% |
|
09/28/2025 |
6.99% |
|
09/27/2025 |
6.99% |
|
09/26/2025 |
6.99% |
|
09/25/2025 |
6.99% |
|
09/24/2025 |
7.24% |
|
09/23/2025 |
7.24% |
|
09/22/2025 |
7.24% |
|
09/21/2025 |
7.24% |
|
09/20/2025 |
7.24% |
|
09/19/2025 |
7.24% |
|
09/18/2025 |
7.24% |
|
09/17/2025 |
7.24% |
|
09/16/2025 |
7.24% |
|
09/15/2025 |
7.24% |
|
09/14/2025 |
7.24% |
|
09/13/2025 |
7.24% |
|
09/12/2025 |
7.24% |
|
09/11/2025 |
7.24% |
|
09/10/2025 |
7.24% |
|
09/09/2025 |
7.24% |
|
09/08/2025 |
7.24% |
|
09/07/2025 |
7.24% |
|
09/06/2025 |
7.24% |
|
09/05/2025 |
7.24% |
|
09/04/2025 |
7.24% |
|
09/03/2025 |
7.24% |
|
09/02/2025 |
7.24% |
|
09/01/2025 |
7.24% |
|
08/31/2025 |
7.24% |
|
08/30/2025 |
7.24% |
|
08/29/2025 |
7.24% |
|
08/28/2025 |
7.24% |
|
08/27/2025 |
7.24% |
|
08/26/2025 |
7.24% |
|
08/25/2025 |
7.24% |
|
08/24/2025 |
7.24% |
|
08/23/2025 |
7.24% |
|
08/22/2025 |
7.24% |
|
08/21/2025 |
7.24% |
|
08/20/2025 |
7.24% |
|
08/19/2025 |
7.24% |
|
08/18/2025 |
7.24% |
|
08/17/2025 |
7.24% |
|
08/16/2025 |
7.24% |
|
08/15/2025 |
7.24% |
|
08/14/2025 |
7.24% |
|
08/13/2025 |
7.24% |
|
08/12/2025 |
7.24% |
|
08/11/2025 |
7.24% |
|
08/10/2025 |
7.24% |
|
08/09/2025 |
7.24% |
|
08/08/2025 |
7.24% |
|
08/07/2025 |
7.24% |
|
08/06/2025 |
7.24% |
|
08/05/2025 |
7.24% |
|
08/04/2025 |
7.24% |
|
08/03/2025 |
7.24% |
|
08/02/2025 |
7.24% |
|
08/01/2025 |
7.24% |
|
07/31/2025 |
7.24% |
|
07/30/2025 |
7.24% |
|
07/29/2025 |
7.24% |
|
07/28/2025 |
7.24% |
|
07/27/2025 |
7.24% |
|
07/26/2025 |
7.24% |
|
07/25/2025 |
7.24% |
|
07/24/2025 |
7.24% |
|
07/23/2025 |
7.24% |
|
Date |
APR |
|
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 |
6.99% |
|
10/01/2025 |
6.99% |
|
09/30/2025 |
6.99% |
|
09/29/2025 |
6.99% |
|
09/28/2025 |
6.99% |
|
09/27/2025 |
6.99% |
|
09/26/2025 |
6.99% |
|
09/25/2025 |
6.99% |
|
09/24/2025 |
7.24% |
|
09/23/2025 |
7.24% |
|
09/22/2025 |
7.24% |
|
09/21/2025 |
7.24% |
|
09/20/2025 |
7.24% |
|
09/19/2025 |
7.24% |
|
09/18/2025 |
7.24% |
|
09/17/2025 |
7.24% |
|
09/16/2025 |
7.24% |
|
09/15/2025 |
7.24% |
|
09/14/2025 |
7.24% |
|
09/13/2025 |
7.24% |
|
09/12/2025 |
7.24% |
|
09/11/2025 |
7.24% |
|
09/10/2025 |
7.24% |
|
09/09/2025 |
7.24% |
|
09/08/2025 |
7.24% |
|
09/07/2025 |
7.24% |
|
09/06/2025 |
7.24% |
|
09/05/2025 |
7.24% |
|
09/04/2025 |
7.24% |
|
09/03/2025 |
7.24% |
|
09/02/2025 |
7.24% |
|
09/01/2025 |
7.24% |
|
08/31/2025 |
7.24% |
|
08/30/2025 |
7.24% |
|
08/29/2025 |
7.24% |
|
08/28/2025 |
7.24% |
|
08/27/2025 |
7.24% |
|
08/26/2025 |
7.24% |
|
08/25/2025 |
7.24% |
|
08/24/2025 |
7.24% |
|
08/23/2025 |
7.24% |
|
08/22/2025 |
7.24% |
|
08/21/2025 |
7.24% |
|
08/20/2025 |
7.24% |
|
08/19/2025 |
7.24% |
|
08/18/2025 |
7.24% |
|
08/17/2025 |
7.24% |
|
08/16/2025 |
7.24% |
|
08/15/2025 |
7.24% |
|
08/14/2025 |
7.24% |
|
08/13/2025 |
7.24% |
|
08/12/2025 |
7.24% |
|
08/11/2025 |
7.24% |
|
08/10/2025 |
7.24% |
|
08/09/2025 |
7.24% |
|
08/08/2025 |
7.24% |
|
08/07/2025 |
7.24% |
|
08/06/2025 |
7.24% |
|
08/05/2025 |
7.24% |
|
08/04/2025 |
7.24% |
|
08/03/2025 |
7.24% |
|
08/02/2025 |
7.24% |
|
08/01/2025 |
7.24% |
|
07/31/2025 |
7.24% |
|
07/30/2025 |
7.24% |
|
07/29/2025 |
7.24% |
|
07/28/2025 |
7.24% |
|
07/27/2025 |
7.24% |
|
07/26/2025 |
7.24% |
|
07/25/2025 |
7.24% |
|
07/24/2025 |
7.24% |
|
07/23/2025 |
7.24% |
|
Date |
APR |
|
10/20/2025 |
6.64% |
|
10/19/2025 |
6.64% |
|
10/18/2025 |
6.64% |
|
10/17/2025 |
6.64% |
|
10/16/2025 |
6.64% |
|
10/15/2025 |
6.64% |
|
10/14/2025 |
6.64% |
|
10/13/2025 |
6.64% |
|
10/12/2025 |
6.64% |
|
10/11/2025 |
6.64% |
|
10/10/2025 |
6.64% |
|
10/09/2025 |
6.64% |
|
10/08/2025 |
6.64% |
|
10/07/2025 |
6.64% |
|
10/06/2025 |
6.64% |
|
10/05/2025 |
6.64% |
|
10/04/2025 |
6.64% |
|
10/03/2025 |
6.64% |
|
10/02/2025 |
6.99% |
|
10/01/2025 |
6.99% |
|
09/30/2025 |
6.99% |
|
09/29/2025 |
6.99% |
|
09/28/2025 |
6.99% |
|
09/27/2025 |
6.99% |
|
09/26/2025 |
6.99% |
|
09/25/2025 |
6.99% |
|
09/24/2025 |
7.24% |
|
09/23/2025 |
7.24% |
|
09/22/2025 |
7.24% |
|
09/21/2025 |
7.24% |
|
09/20/2025 |
7.24% |
|
09/19/2025 |
7.24% |
|
09/18/2025 |
7.24% |
|
09/17/2025 |
7.24% |
|
09/16/2025 |
7.24% |
|
09/15/2025 |
7.24% |
|
09/14/2025 |
7.24% |
|
09/13/2025 |
7.24% |
|
09/12/2025 |
7.24% |
|
09/11/2025 |
7.24% |
|
09/10/2025 |
7.24% |
|
09/09/2025 |
7.24% |
|
09/08/2025 |
7.24% |
|
09/07/2025 |
7.24% |
|
09/06/2025 |
7.24% |
|
09/05/2025 |
7.24% |
|
09/04/2025 |
7.24% |
|
09/03/2025 |
7.24% |
|
09/02/2025 |
7.24% |
|
09/01/2025 |
7.24% |
|
08/31/2025 |
7.24% |
|
08/30/2025 |
7.24% |
|
08/29/2025 |
7.24% |
|
08/28/2025 |
7.24% |
|
08/27/2025 |
7.24% |
|
08/26/2025 |
7.24% |
|
08/25/2025 |
7.24% |
|
08/24/2025 |
7.24% |
|
08/23/2025 |
7.24% |
|
08/22/2025 |
7.24% |
|
08/21/2025 |
7.24% |
|
08/20/2025 |
7.24% |
|
08/19/2025 |
7.24% |
|
08/18/2025 |
7.24% |
|
08/17/2025 |
7.24% |
|
08/16/2025 |
7.24% |
|
08/15/2025 |
7.24% |
|
08/14/2025 |
7.24% |
|
08/13/2025 |
7.24% |
|
08/12/2025 |
7.24% |
|
08/11/2025 |
7.24% |
|
08/10/2025 |
7.24% |
|
08/09/2025 |
7.24% |
|
08/08/2025 |
7.24% |
|
08/07/2025 |
7.24% |
|
08/06/2025 |
7.24% |
|
08/05/2025 |
7.24% |
|
08/04/2025 |
7.24% |
|
08/03/2025 |
7.24% |
|
08/02/2025 |
7.24% |
|
08/01/2025 |
7.24% |
|
07/31/2025 |
7.24% |
|
07/30/2025 |
7.24% |
|
07/29/2025 |
7.24% |
|
07/28/2025 |
7.24% |
|
07/27/2025 |
7.24% |
|
07/26/2025 |
7.24% |
|
07/25/2025 |
7.24% |
|
07/24/2025 |
7.24% |
|
07/23/2025 |
7.24% |
|
Date |
APR |
|
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 |
7.14% |
|
10/01/2025 |
7.14% |
|
09/30/2025 |
7.14% |
|
09/29/2025 |
7.14% |
|
09/28/2025 |
7.14% |
|
09/27/2025 |
7.14% |
|
09/26/2025 |
7.14% |
|
09/25/2025 |
7.14% |
|
09/24/2025 |
7.39% |
|
09/23/2025 |
7.39% |
|
09/22/2025 |
7.39% |
|
09/21/2025 |
7.39% |
|
09/20/2025 |
7.39% |
|
09/19/2025 |
7.39% |
|
09/18/2025 |
7.39% |
|
09/17/2025 |
7.39% |
|
09/16/2025 |
7.39% |
|
09/15/2025 |
7.39% |
|
09/14/2025 |
7.39% |
|
09/13/2025 |
7.39% |
|
09/12/2025 |
7.39% |
|
09/11/2025 |
7.39% |
|
09/10/2025 |
7.39% |
|
09/09/2025 |
7.39% |
|
09/08/2025 |
7.39% |
|
09/07/2025 |
7.39% |
|
09/06/2025 |
7.39% |
|
09/05/2025 |
7.39% |
|
09/04/2025 |
7.39% |
|
09/03/2025 |
7.39% |
|
09/02/2025 |
7.39% |
|
09/01/2025 |
7.39% |
|
08/31/2025 |
7.39% |
|
08/30/2025 |
7.39% |
|
08/29/2025 |
7.39% |
|
08/28/2025 |
7.39% |
|
08/27/2025 |
7.39% |
|
08/26/2025 |
7.39% |
|
08/25/2025 |
7.39% |
|
08/24/2025 |
7.39% |
|
08/23/2025 |
7.39% |
|
08/22/2025 |
7.39% |
|
08/21/2025 |
7.39% |
|
08/20/2025 |
7.39% |
|
08/19/2025 |
7.39% |
|
08/18/2025 |
7.39% |
|
08/17/2025 |
7.39% |
|
08/16/2025 |
7.39% |
|
08/15/2025 |
7.39% |
|
08/14/2025 |
7.39% |
|
08/13/2025 |
7.39% |
|
08/12/2025 |
7.39% |
|
08/11/2025 |
7.39% |
|
08/10/2025 |
7.39% |
|
08/09/2025 |
7.39% |
|
08/08/2025 |
7.39% |
|
08/07/2025 |
7.39% |
|
08/06/2025 |
7.39% |
|
08/05/2025 |
7.39% |
|
08/04/2025 |
7.39% |
|
08/03/2025 |
7.39% |
|
08/02/2025 |
7.39% |
|
08/01/2025 |
7.39% |
|
07/31/2025 |
7.39% |
|
07/30/2025 |
7.39% |
|
07/29/2025 |
7.39% |
|
07/28/2025 |
7.39% |
|
07/27/2025 |
7.39% |
|
07/26/2025 |
7.39% |
|
07/25/2025 |
7.39% |
|
07/24/2025 |
7.39% |
|
07/23/2025 |
7.39% |
|
Date |
APR |
|
10/20/2025 |
7.24% |
|
10/19/2025 |
7.24% |
|
10/18/2025 |
7.24% |
|
10/17/2025 |
7.24% |
|
10/16/2025 |
7.24% |
|
10/15/2025 |
7.24% |
|
10/14/2025 |
7.24% |
|
10/13/2025 |
7.24% |
|
10/12/2025 |
7.24% |
|
10/11/2025 |
7.24% |
|
10/10/2025 |
7.24% |
|
10/09/2025 |
7.24% |
|
10/08/2025 |
7.24% |
|
10/07/2025 |
7.24% |
|
10/06/2025 |
7.24% |
|
10/05/2025 |
7.24% |
|
10/04/2025 |
7.24% |
|
10/03/2025 |
7.24% |
|
10/02/2025 |
7.74% |
|
10/01/2025 |
7.74% |
|
09/30/2025 |
7.74% |
|
09/29/2025 |
7.74% |
|
09/28/2025 |
7.74% |
|
09/27/2025 |
7.74% |
|
09/26/2025 |
7.74% |
|
09/25/2025 |
7.74% |
|
09/24/2025 |
7.99% |
|
09/23/2025 |
7.99% |
|
09/22/2025 |
7.99% |
|
09/21/2025 |
7.99% |
|
09/20/2025 |
7.99% |
|
09/19/2025 |
7.99% |
|
09/18/2025 |
7.99% |
|
09/17/2025 |
7.99% |
|
09/16/2025 |
7.99% |
|
09/15/2025 |
7.99% |
|
09/14/2025 |
7.99% |
|
09/13/2025 |
7.99% |
|
09/12/2025 |
7.99% |
|
09/11/2025 |
7.99% |
|
09/10/2025 |
7.99% |
|
09/09/2025 |
7.99% |
|
09/08/2025 |
7.99% |
|
09/07/2025 |
7.99% |
|
09/06/2025 |
7.99% |
|
09/05/2025 |
7.99% |
|
09/04/2025 |
7.99% |
|
09/03/2025 |
7.99% |
|
09/02/2025 |
7.99% |
|
09/01/2025 |
7.99% |
|
08/31/2025 |
7.99% |
|
08/30/2025 |
7.99% |
|
08/29/2025 |
7.99% |
|
08/28/2025 |
7.99% |
|
08/27/2025 |
7.99% |
|
08/26/2025 |
7.99% |
|
08/25/2025 |
7.99% |
|
08/24/2025 |
7.99% |
|
08/23/2025 |
7.99% |
|
08/22/2025 |
7.99% |
|
08/21/2025 |
7.99% |
|
08/20/2025 |
7.99% |
|
08/19/2025 |
7.99% |
|
08/18/2025 |
7.99% |
|
08/17/2025 |
7.99% |
|
08/16/2025 |
7.99% |
|
08/15/2025 |
7.99% |
|
08/14/2025 |
7.99% |
|
08/13/2025 |
7.99% |
|
08/12/2025 |
7.99% |
|
08/11/2025 |
7.99% |
|
08/10/2025 |
7.99% |
|
08/09/2025 |
7.99% |
|
08/08/2025 |
7.99% |
|
08/07/2025 |
7.99% |
|
08/06/2025 |
7.99% |
|
08/05/2025 |
7.99% |
|
08/04/2025 |
7.99% |
|
08/03/2025 |
7.99% |
|
08/02/2025 |
7.99% |
|
08/01/2025 |
7.99% |
|
07/31/2025 |
7.99% |
|
07/30/2025 |
7.99% |
|
07/29/2025 |
7.99% |
|
07/28/2025 |
7.99% |
|
07/27/2025 |
7.99% |
|
07/26/2025 |
7.99% |
|
07/25/2025 |
7.99% |
|
07/24/2025 |
7.99% |
|
07/23/2025 |
7.99% |