AutoLoanRate.com tracks SunTrust's daily APRs for used-car loans across common terms: 24, 36, 48, 60, and 72 months. The latest data (as of 03/23/2026) shows: 24-month APR 6.49%, 36-month 6.99%, 48-month 7.14%, 60-month 7.74%, 72-month 8.34%. These figures reflect the recent pace of changes in consumer financing and the evolving used-car market.
Shorter terms have hovered in the mid-6% range through March 2026, with a brief dip to around 6.24% for the 24-month term in mid-January before rebounding to 6.49% by late January and staying near that level through February and into March.
Medium-term loans (48 months) followed a similar pattern, generally around 7.0% and landing at 7.14% on 03/23/2026.
Longer terms rose higher, with 60-month loans around the mid-to-high 7% range and 72-month loans near the low-to-mid 8% range. The latest daily data show 60-month at 7.74% and 72-month at 8.34% on 03/23/2026, signaling a premium for longer financing.
From late 2025 into early 2026, 24-month SunTrust APRs dipped to about 6.24% before climbing back to 6.49% and stabilizing. Longer terms swung more widely, with 60- and 72-month loans fluctuating roughly between the mid-6s and the low-8s during this period. This movement tracks shifts in monetary policy expectations, inflation dynamics, and changes in used-car prices and supply.
Shop around: compare SunTrust with other lenders for the same term to ensure you’re getting the best visible APR.
Consider term length: shorter terms save on total interest but require higher monthly payments; longer terms lower payments but cost more over the life of the loan.
Improve your rate: a strong credit score, a larger down payment, and keeping total monthly debt in check can push APR lower.
Get pre-approved: knowing your range helps negotiation and reduces reliance on dealer financing.
Signals suggest APRs may drift modestly as inflation remains on target and the used-car market stabilizes. If inflation cools and policy shifts become less aggressive, you could see gradual easing in near-term APRs; if supply bottlenecks persist or used-car prices rise, APRs, especially for longer terms, could stay elevated or edge higher.
24 Month: 6.49% • 36 Month: 6.99% • 48 Month: 7.14% • 60 Month: 7.74% • 72 Month: 8.34%
|
Date |
APR |
|
03/23/2026 |
6.49% |
|
03/22/2026 |
6.49% |
|
03/21/2026 |
6.49% |
|
03/20/2026 |
6.49% |
|
03/19/2026 |
6.49% |
|
03/18/2026 |
6.49% |
|
03/17/2026 |
6.49% |
|
03/16/2026 |
6.49% |
|
03/15/2026 |
6.49% |
|
03/14/2026 |
6.49% |
|
03/13/2026 |
6.49% |
|
03/12/2026 |
6.49% |
|
03/11/2026 |
6.49% |
|
03/10/2026 |
6.49% |
|
03/09/2026 |
6.49% |
|
03/08/2026 |
6.49% |
|
03/07/2026 |
6.49% |
|
03/06/2026 |
6.49% |
|
03/05/2026 |
6.49% |
|
03/04/2026 |
6.49% |
|
03/03/2026 |
6.49% |
|
03/02/2026 |
6.49% |
|
03/01/2026 |
6.49% |
|
02/28/2026 |
6.49% |
|
02/27/2026 |
6.49% |
|
02/26/2026 |
6.49% |
|
02/25/2026 |
6.49% |
|
02/24/2026 |
6.49% |
|
02/23/2026 |
6.49% |
|
02/22/2026 |
6.49% |
|
02/21/2026 |
6.49% |
|
02/20/2026 |
6.49% |
|
02/19/2026 |
6.49% |
|
02/18/2026 |
6.49% |
|
02/17/2026 |
6.49% |
|
02/16/2026 |
6.49% |
|
02/15/2026 |
6.49% |
|
02/14/2026 |
6.49% |
|
02/13/2026 |
6.49% |
|
02/12/2026 |
6.49% |
|
02/11/2026 |
6.49% |
|
02/10/2026 |
6.49% |
|
02/09/2026 |
6.49% |
|
02/08/2026 |
6.49% |
|
02/07/2026 |
6.49% |
|
02/06/2026 |
6.49% |
|
02/05/2026 |
6.49% |
|
02/04/2026 |
6.49% |
|
02/03/2026 |
6.49% |
|
02/02/2026 |
6.49% |
|
02/01/2026 |
6.49% |
|
01/31/2026 |
6.49% |
|
01/30/2026 |
6.49% |
|
01/29/2026 |
6.49% |
|
01/28/2026 |
6.49% |
|
01/27/2026 |
6.49% |
|
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 |
6.24% |
|
01/12/2026 |
6.24% |
|
01/11/2026 |
6.24% |
|
01/10/2026 |
6.24% |
|
01/09/2026 |
6.24% |
|
01/08/2026 |
6.24% |
|
01/07/2026 |
6.24% |
|
01/06/2026 |
6.24% |
|
01/05/2026 |
6.24% |
|
01/04/2026 |
6.24% |
|
01/03/2026 |
6.24% |
|
01/02/2026 |
6.24% |
|
01/01/2026 |
6.24% |
|
12/31/2025 |
6.24% |
|
12/30/2025 |
6.24% |
|
12/29/2025 |
6.24% |
|
12/28/2025 |
6.24% |
|
12/27/2025 |
6.24% |
|
12/26/2025 |
6.24% |
|
12/25/2025 |
6.24% |
|
12/24/2025 |
6.24% |
|
Date |
APR |
|
03/23/2026 |
6.99% |
|
03/22/2026 |
6.99% |
|
03/21/2026 |
6.99% |
|
03/20/2026 |
6.84% |
|
03/19/2026 |
6.84% |
|
03/18/2026 |
6.84% |
|
03/17/2026 |
6.84% |
|
03/16/2026 |
6.84% |
|
03/15/2026 |
6.84% |
|
03/14/2026 |
6.84% |
|
03/13/2026 |
6.84% |
|
03/12/2026 |
6.84% |
|
03/11/2026 |
6.84% |
|
03/10/2026 |
6.84% |
|
03/09/2026 |
6.84% |
|
03/08/2026 |
6.84% |
|
03/07/2026 |
6.84% |
|
03/06/2026 |
6.84% |
|
03/05/2026 |
6.84% |
|
03/04/2026 |
6.84% |
|
03/03/2026 |
6.84% |
|
03/02/2026 |
6.84% |
|
03/01/2026 |
6.84% |
|
02/28/2026 |
6.84% |
|
02/27/2026 |
6.84% |
|
02/26/2026 |
6.84% |
|
02/25/2026 |
6.84% |
|
02/24/2026 |
6.84% |
|
02/23/2026 |
6.84% |
|
02/22/2026 |
6.84% |
|
02/21/2026 |
6.84% |
|
02/20/2026 |
6.84% |
|
02/19/2026 |
6.84% |
|
02/18/2026 |
6.84% |
|
02/17/2026 |
6.84% |
|
02/16/2026 |
6.84% |
|
02/15/2026 |
6.84% |
|
02/14/2026 |
6.84% |
|
02/13/2026 |
6.84% |
|
02/12/2026 |
6.84% |
|
02/11/2026 |
6.84% |
|
02/10/2026 |
6.84% |
|
02/09/2026 |
6.84% |
|
02/08/2026 |
6.84% |
|
02/07/2026 |
6.84% |
|
02/06/2026 |
6.84% |
|
02/05/2026 |
6.84% |
|
02/04/2026 |
6.84% |
|
02/03/2026 |
6.84% |
|
02/02/2026 |
6.74% |
|
02/01/2026 |
6.74% |
|
01/31/2026 |
6.74% |
|
01/30/2026 |
6.74% |
|
01/29/2026 |
6.74% |
|
01/28/2026 |
6.74% |
|
01/27/2026 |
6.74% |
|
01/26/2026 |
6.74% |
|
01/25/2026 |
6.74% |
|
01/24/2026 |
6.74% |
|
01/23/2026 |
6.74% |
|
01/22/2026 |
6.74% |
|
01/21/2026 |
6.74% |
|
01/20/2026 |
6.74% |
|
01/19/2026 |
6.74% |
|
01/18/2026 |
6.74% |
|
01/17/2026 |
6.74% |
|
01/16/2026 |
6.74% |
|
01/15/2026 |
6.74% |
|
01/14/2026 |
6.74% |
|
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% |
|
Date |
APR |
|
03/23/2026 |
7.14% |
|
03/22/2026 |
7.14% |
|
03/21/2026 |
7.14% |
|
03/20/2026 |
6.99% |
|
03/19/2026 |
6.99% |
|
03/18/2026 |
6.99% |
|
03/17/2026 |
6.99% |
|
03/16/2026 |
6.99% |
|
03/15/2026 |
6.99% |
|
03/14/2026 |
6.99% |
|
03/13/2026 |
6.99% |
|
03/12/2026 |
6.99% |
|
03/11/2026 |
6.99% |
|
03/10/2026 |
6.99% |
|
03/09/2026 |
6.99% |
|
03/08/2026 |
6.99% |
|
03/07/2026 |
6.99% |
|
03/06/2026 |
6.99% |
|
03/05/2026 |
6.99% |
|
03/04/2026 |
6.99% |
|
03/03/2026 |
6.99% |
|
03/02/2026 |
6.99% |
|
03/01/2026 |
6.99% |
|
02/28/2026 |
6.99% |
|
02/27/2026 |
6.99% |
|
02/26/2026 |
6.99% |
|
02/25/2026 |
6.99% |
|
02/24/2026 |
6.99% |
|
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 |
6.89% |
|
02/01/2026 |
6.89% |
|
01/31/2026 |
6.89% |
|
01/30/2026 |
6.89% |
|
01/29/2026 |
6.89% |
|
01/28/2026 |
6.89% |
|
01/27/2026 |
6.89% |
|
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 |
6.64% |
|
01/12/2026 |
6.64% |
|
01/11/2026 |
6.64% |
|
01/10/2026 |
6.64% |
|
01/09/2026 |
6.64% |
|
01/08/2026 |
6.64% |
|
01/07/2026 |
6.64% |
|
01/06/2026 |
6.64% |
|
01/05/2026 |
6.64% |
|
01/04/2026 |
6.64% |
|
01/03/2026 |
6.64% |
|
01/02/2026 |
6.64% |
|
01/01/2026 |
6.64% |
|
12/31/2025 |
6.64% |
|
12/30/2025 |
6.64% |
|
12/29/2025 |
6.64% |
|
12/28/2025 |
6.64% |
|
12/27/2025 |
6.64% |
|
12/26/2025 |
6.64% |
|
12/25/2025 |
6.64% |
|
12/24/2025 |
6.64% |
|
Date |
APR |
|
03/23/2026 |
7.74% |
|
03/22/2026 |
7.74% |
|
03/21/2026 |
7.74% |
|
03/20/2026 |
7.24% |
|
03/19/2026 |
7.24% |
|
03/18/2026 |
7.24% |
|
03/17/2026 |
7.24% |
|
03/16/2026 |
7.24% |
|
03/15/2026 |
7.24% |
|
03/14/2026 |
7.24% |
|
03/13/2026 |
7.24% |
|
03/12/2026 |
7.24% |
|
03/11/2026 |
7.24% |
|
03/10/2026 |
7.24% |
|
03/09/2026 |
7.24% |
|
03/08/2026 |
7.24% |
|
03/07/2026 |
7.24% |
|
03/06/2026 |
7.24% |
|
03/05/2026 |
7.24% |
|
03/04/2026 |
7.24% |
|
03/03/2026 |
7.24% |
|
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 |
7.24% |
|
02/22/2026 |
7.24% |
|
02/21/2026 |
7.24% |
|
02/20/2026 |
7.24% |
|
02/19/2026 |
7.24% |
|
02/18/2026 |
7.24% |
|
02/17/2026 |
7.24% |
|
02/16/2026 |
7.24% |
|
02/15/2026 |
7.24% |
|
02/14/2026 |
7.24% |
|
02/13/2026 |
7.24% |
|
02/12/2026 |
7.24% |
|
02/11/2026 |
7.24% |
|
02/10/2026 |
7.24% |
|
02/09/2026 |
7.24% |
|
02/08/2026 |
7.24% |
|
02/07/2026 |
7.24% |
|
02/06/2026 |
7.24% |
|
02/05/2026 |
7.24% |
|
02/04/2026 |
7.24% |
|
02/03/2026 |
7.24% |
|
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 |
6.74% |
|
01/12/2026 |
6.74% |
|
01/11/2026 |
6.74% |
|
01/10/2026 |
6.74% |
|
01/09/2026 |
6.74% |
|
01/08/2026 |
6.74% |
|
01/07/2026 |
6.74% |
|
01/06/2026 |
6.74% |
|
01/05/2026 |
6.74% |
|
01/04/2026 |
6.74% |
|
01/03/2026 |
6.74% |
|
01/02/2026 |
6.74% |
|
01/01/2026 |
6.74% |
|
12/31/2025 |
6.74% |
|
12/30/2025 |
6.74% |
|
12/29/2025 |
6.74% |
|
12/28/2025 |
6.74% |
|
12/27/2025 |
6.74% |
|
12/26/2025 |
6.74% |
|
12/25/2025 |
6.74% |
|
12/24/2025 |
6.74% |
|
Date |
APR |
|
03/23/2026 |
8.34% |
|
03/22/2026 |
8.34% |
|
03/21/2026 |
8.34% |
|
03/20/2026 |
7.84% |
|
03/19/2026 |
7.84% |
|
03/18/2026 |
7.84% |
|
03/17/2026 |
7.84% |
|
03/16/2026 |
7.84% |
|
03/15/2026 |
7.84% |
|
03/14/2026 |
7.84% |
|
03/13/2026 |
7.84% |
|
03/12/2026 |
7.84% |
|
03/11/2026 |
7.84% |
|
03/10/2026 |
7.84% |
|
03/09/2026 |
7.84% |
|
03/08/2026 |
7.84% |
|
03/07/2026 |
7.84% |
|
03/06/2026 |
7.84% |
|
03/05/2026 |
7.84% |
|
03/04/2026 |
7.84% |
|
03/03/2026 |
7.84% |
|
03/02/2026 |
7.84% |
|
03/01/2026 |
7.84% |
|
02/28/2026 |
7.84% |
|
02/27/2026 |
7.84% |
|
02/26/2026 |
7.84% |
|
02/25/2026 |
7.84% |
|
02/24/2026 |
7.84% |
|
02/23/2026 |
7.84% |
|
02/22/2026 |
7.84% |
|
02/21/2026 |
7.84% |
|
02/20/2026 |
7.84% |
|
02/19/2026 |
7.84% |
|
02/18/2026 |
7.84% |
|
02/17/2026 |
7.84% |
|
02/16/2026 |
7.84% |
|
02/15/2026 |
7.84% |
|
02/14/2026 |
7.84% |
|
02/13/2026 |
7.84% |
|
02/12/2026 |
7.14% |
|
02/11/2026 |
7.14% |
|
02/10/2026 |
7.14% |
|
02/09/2026 |
7.14% |
|
02/08/2026 |
7.14% |
|
02/07/2026 |
7.14% |
|
02/06/2026 |
7.14% |
|
02/05/2026 |
7.14% |
|
02/04/2026 |
7.14% |
|
02/03/2026 |
7.14% |
|
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 |
7.24% |
|
01/12/2026 |
7.24% |
|
01/11/2026 |
7.24% |
|
01/10/2026 |
7.24% |
|
01/09/2026 |
7.24% |
|
01/08/2026 |
7.24% |
|
01/07/2026 |
7.24% |
|
01/06/2026 |
7.24% |
|
01/05/2026 |
7.24% |
|
01/04/2026 |
7.24% |
|
01/03/2026 |
7.24% |
|
01/02/2026 |
7.24% |
|
01/01/2026 |
7.24% |
|
12/31/2025 |
7.24% |
|
12/30/2025 |
7.24% |
|
12/29/2025 |
7.24% |
|
12/28/2025 |
7.24% |
|
12/27/2025 |
7.24% |
|
12/26/2025 |
7.24% |
|
12/25/2025 |
7.24% |
|
12/24/2025 |
7.24% |