AutoLoanRate.com tracks Sun Trust daily used-car APRs across common loan terms. As of 12/10/2025, latest averages are: 24 months at 6.24%, 36 months at 6.49%, 48 months at 6.64%, 60 months at 6.74%, and 72 months at 7.24%. These figures reflect Sun Trust’s pricing, credit risk, and market conditions for used-car loans today.
Over the past months, Sun Trust’s long-term APRs moved higher during late September to early October, with 72‑month loans peaking near 7.74% and other long terms following into the 7% range. By December, the longer terms eased back toward the low 7s and mid-7s, while the shorter 24‑month term settled closer to the mid‑6% range. The 24‑month rate showed the most noticeable fluctuations, dipping to about 6.24% and remaining near that level through early December, signaling a more favorable short-term option when you can commit to a shorter loan.
Sun Trust’s daily data for 2025 reveal a period of volatility followed by stabilization. After the late-September spike in longer terms, rates cooled through October and November, with 36‑ to 60‑month APRs narrowing into a tighter band. The 24‑month tier demonstrated the clearest improvement, sliding into the 6.2%–6.5% zone for much of November and December. By tracking these shifts, borrowers can spot when shorter-term loans offer the best combination of rate certainty and total cost.
Shop daily and compare Sun Trust against peers on AutoLoanRate.com to find the best rate for your profile. Lock in a favorable rate when you see a number that fits your budget.
Consider your payment plan: shorter terms generally cost more per month but less total interest, while longer terms lower monthly payments but raise total interest. If you can afford it, a 24- or 36-month loan often saves money in the long run.
Boost your odds with a strong credit score, a solid down payment, and a purchase price you can justify. Prequalification can reveal your true rate without dinging your credit score.
Watch the full package: APR is important, but also compare fees, add-ons, and whether you’ll owe more due to negative equity on a trade-in. A lower APR with high fees might not be the best overall deal.
If inflation continues easing and the Fed remains patient, APRs could drift lower across all terms in 2026. The 24- and 36-month loans typically lead any rate declines, with longer terms following as lenders reassess risk in a calmer economy.
That said, volatility in used-car pricing and supply can push rates higher if demand strengthens or credit conditions tighten. A reasonable expectation is a gradual move toward the mid‑6% range for many terms by spring 2026, with potential sub-6% scenarios if macro signals stay favorable.
We aggregate Sun Trust daily APRs and pair them with data from top lenders so you can time your loan, lock a rate, and compare offers quickly. Stay informed, check daily, and pounce when the numbers align with your budget and timeline.
|
Date |
APR |
|
12/10/2025 |
6.24% |
|
12/09/2025 |
6.24% |
|
12/08/2025 |
6.24% |
|
12/07/2025 |
6.24% |
|
12/06/2025 |
6.24% |
|
12/05/2025 |
6.24% |
|
12/04/2025 |
6.24% |
|
12/03/2025 |
6.24% |
|
12/02/2025 |
6.24% |
|
12/01/2025 |
6.24% |
|
11/30/2025 |
6.24% |
|
11/29/2025 |
6.24% |
|
11/28/2025 |
6.24% |
|
11/27/2025 |
6.24% |
|
11/26/2025 |
6.24% |
|
11/25/2025 |
6.24% |
|
11/24/2025 |
6.24% |
|
11/23/2025 |
6.24% |
|
11/22/2025 |
6.24% |
|
11/21/2025 |
6.24% |
|
11/20/2025 |
6.24% |
|
11/19/2025 |
6.24% |
|
11/18/2025 |
6.24% |
|
11/17/2025 |
6.24% |
|
11/16/2025 |
6.24% |
|
11/15/2025 |
6.24% |
|
11/14/2025 |
6.24% |
|
11/13/2025 |
6.24% |
|
11/12/2025 |
6.24% |
|
11/11/2025 |
6.24% |
|
11/10/2025 |
6.24% |
|
11/09/2025 |
6.24% |
|
11/08/2025 |
6.24% |
|
11/07/2025 |
6.24% |
|
11/06/2025 |
6.24% |
|
11/05/2025 |
6.24% |
|
11/04/2025 |
6.24% |
|
11/03/2025 |
6.24% |
|
11/02/2025 |
6.24% |
|
11/01/2025 |
6.24% |
|
10/31/2025 |
6.24% |
|
10/30/2025 |
6.24% |
|
10/29/2025 |
6.24% |
|
10/28/2025 |
6.24% |
|
10/27/2025 |
6.24% |
|
10/26/2025 |
6.24% |
|
10/25/2025 |
6.24% |
|
10/24/2025 |
6.24% |
|
10/23/2025 |
6.24% |
|
10/22/2025 |
6.24% |
|
10/21/2025 |
6.24% |
|
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% |
|
Date |
APR |
|
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 |
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% |
|
Date |
APR |
|
12/10/2025 |
6.64% |
|
12/09/2025 |
6.64% |
|
12/08/2025 |
6.64% |
|
12/07/2025 |
6.64% |
|
12/06/2025 |
6.64% |
|
12/05/2025 |
6.64% |
|
12/04/2025 |
6.64% |
|
12/03/2025 |
6.64% |
|
12/02/2025 |
6.64% |
|
12/01/2025 |
6.64% |
|
11/30/2025 |
6.64% |
|
11/29/2025 |
6.64% |
|
11/28/2025 |
6.64% |
|
11/27/2025 |
6.64% |
|
11/26/2025 |
6.64% |
|
11/25/2025 |
6.64% |
|
11/24/2025 |
6.64% |
|
11/23/2025 |
6.64% |
|
11/22/2025 |
6.64% |
|
11/21/2025 |
6.64% |
|
11/20/2025 |
6.64% |
|
11/19/2025 |
6.64% |
|
11/18/2025 |
6.64% |
|
11/17/2025 |
6.64% |
|
11/16/2025 |
6.64% |
|
11/15/2025 |
6.64% |
|
11/14/2025 |
6.64% |
|
11/13/2025 |
6.64% |
|
11/12/2025 |
6.64% |
|
11/11/2025 |
6.64% |
|
11/10/2025 |
6.64% |
|
11/09/2025 |
6.64% |
|
11/08/2025 |
6.64% |
|
11/07/2025 |
6.64% |
|
11/06/2025 |
6.64% |
|
11/05/2025 |
6.64% |
|
11/04/2025 |
6.64% |
|
11/03/2025 |
6.64% |
|
11/02/2025 |
6.64% |
|
11/01/2025 |
6.64% |
|
10/31/2025 |
6.64% |
|
10/30/2025 |
6.64% |
|
10/29/2025 |
6.64% |
|
10/28/2025 |
6.64% |
|
10/27/2025 |
6.64% |
|
10/26/2025 |
6.64% |
|
10/25/2025 |
6.64% |
|
10/24/2025 |
6.64% |
|
10/23/2025 |
6.64% |
|
10/22/2025 |
6.64% |
|
10/21/2025 |
6.64% |
|
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% |
|
Date |
APR |
|
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 |
7.14% |
|
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% |
|
Date |
APR |
|
12/10/2025 |
7.24% |
|
12/09/2025 |
7.24% |
|
12/08/2025 |
7.24% |
|
12/07/2025 |
7.24% |
|
12/06/2025 |
7.24% |
|
12/05/2025 |
7.24% |
|
12/04/2025 |
7.24% |
|
12/03/2025 |
7.24% |
|
12/02/2025 |
7.24% |
|
12/01/2025 |
7.24% |
|
11/30/2025 |
7.24% |
|
11/29/2025 |
7.24% |
|
11/28/2025 |
7.24% |
|
11/27/2025 |
7.24% |
|
11/26/2025 |
7.24% |
|
11/25/2025 |
7.24% |
|
11/24/2025 |
7.24% |
|
11/23/2025 |
7.24% |
|
11/22/2025 |
7.24% |
|
11/21/2025 |
7.24% |
|
11/20/2025 |
7.24% |
|
11/19/2025 |
7.24% |
|
11/18/2025 |
7.24% |
|
11/17/2025 |
7.24% |
|
11/16/2025 |
7.24% |
|
11/15/2025 |
7.24% |
|
11/14/2025 |
7.24% |
|
11/13/2025 |
7.24% |
|
11/12/2025 |
7.24% |
|
11/11/2025 |
7.24% |
|
11/10/2025 |
7.24% |
|
11/09/2025 |
7.24% |
|
11/08/2025 |
7.24% |
|
11/07/2025 |
7.24% |
|
11/06/2025 |
7.24% |
|
11/05/2025 |
7.24% |
|
11/04/2025 |
7.24% |
|
11/03/2025 |
7.24% |
|
11/02/2025 |
7.24% |
|
11/01/2025 |
7.24% |
|
10/31/2025 |
7.24% |
|
10/30/2025 |
7.24% |
|
10/29/2025 |
7.24% |
|
10/28/2025 |
7.24% |
|
10/27/2025 |
7.24% |
|
10/26/2025 |
7.24% |
|
10/25/2025 |
7.24% |
|
10/24/2025 |
7.24% |
|
10/23/2025 |
7.24% |
|
10/22/2025 |
7.24% |
|
10/21/2025 |
7.24% |
|
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% |