AutoLoanRate.com tracks Sun Trust’s daily used-car APRs across common loan terms, from 24 to 72 months, with data spanning late September through December 2025. The path shows a rise into late September and October, then a steady pullback as December approached. Shorter terms typically sit at or below longer terms, but all segments moved toward lower levels by the end of the year.
During this window, the 24-month APR hovered around the low-to-mid 7% range in late September, then eased through October and November, finally landing near 6.24% by 12/22/2025. The trend is a clear downward shift over the quarter, with December displaying the most favorable pricing for this term.
The 36-month APR started near 7.24% in late September and drifted down through November, settling in the mid-6% area by December. By 12/22/2025, Sun Trust was reporting roughly 6.49%–6.64% for this term, indicating a meaningful improvement from the late-September peak.
For 48 months, rates were around 7.24%–7.39% in late September, then eased to the mid-6% range by December. The late-December reading shows about 6.64% for this term, reflecting the same easing pattern seen in shorter terms but at a slightly higher baseline.
The 60-month APR trended from roughly 7.24% in late September toward about 6.74% by 12/22/2025. Throughout October and November, 60-month pricing hovered in the mid-to-upper 6% range before pulling back, signaling improving affordability for longer financing.
Longer-term financing carried the highest baseline, with a peak near 7.99% around 9/24/2025. By late December, the 72-month APR had eased to around 7.24%–7.30%, still higher than shorter terms but notably lower than the late-September peak.
Across terms, Sun Trust’s daily rates show a common pattern: a higher starting point in late September, followed by a steady easing into December. If you’re shopping now, you may find the best short-term deals in the 6.2%–6.6% range (24–36 months) and longer terms hovering in the mid-to-high 6% to low 7% territory. Daily changes matter—rates can drift day to day, so a quick check before locking can pay off.
From the data, Sun Trust’s used-car APRs moved in lockstep with broader rate trends seen in late 2025: a peak in late September, then a multi-week descent into December. The pattern mirrors a tightening-to-easing cycle typical of a shifting macro backdrop, where fears of higher rates eased as inflation data cooled and market expectations adjusted.
- Check daily rates across multiple terms; today’s 6.2% could be tomorrow’s 6.8% in a hurry.
- Compare APRs for 24, 36, 48, 60, and 72 months to balance monthly payment against total interest.
- Look beyond the headline APR: consider fees, down payment, and any prepayment penalties that affect total cost.
- Get pre-qualified to see real offers without impacting your credit score, then refine with a shop of lenders, not just Sun Trust.
- Use autopay if available; some programs shave a few basis points off APRs when you enroll.
- Plan your payoff horizon: shorter terms save on interest but raise monthly payments; longer terms ease cash flow but cost more over time.
If inflation stays moderate and the Fed holds rates steady, we could see continued stabilization around the mid-6% range for many used-car loans, with occasional dips into the mid-6s. If economic momentum strengthens or credit tightens, downward momentum could stall and prices may drift higher again. The near-term direction likely depends on macro signals—jobs data, inflation, and policy moves—that influence lender pricing day by day.
|
Date |
APR |
|
12/22/2025 |
6.24% |
|
12/21/2025 |
6.24% |
|
12/20/2025 |
6.24% |
|
12/19/2025 |
6.24% |
|
12/18/2025 |
6.24% |
|
12/17/2025 |
6.24% |
|
12/16/2025 |
6.24% |
|
12/15/2025 |
6.24% |
|
12/14/2025 |
6.24% |
|
12/13/2025 |
6.24% |
|
12/12/2025 |
6.24% |
|
12/11/2025 |
6.24% |
|
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% |
|
Date |
APR |
|
12/22/2025 |
6.49% |
|
12/21/2025 |
6.49% |
|
12/20/2025 |
6.49% |
|
12/19/2025 |
6.49% |
|
12/18/2025 |
6.49% |
|
12/17/2025 |
6.49% |
|
12/16/2025 |
6.49% |
|
12/15/2025 |
6.49% |
|
12/14/2025 |
6.49% |
|
12/13/2025 |
6.49% |
|
12/12/2025 |
6.49% |
|
12/11/2025 |
6.49% |
|
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% |
|
Date |
APR |
|
12/22/2025 |
6.64% |
|
12/21/2025 |
6.64% |
|
12/20/2025 |
6.64% |
|
12/19/2025 |
6.64% |
|
12/18/2025 |
6.64% |
|
12/17/2025 |
6.64% |
|
12/16/2025 |
6.64% |
|
12/15/2025 |
6.64% |
|
12/14/2025 |
6.64% |
|
12/13/2025 |
6.64% |
|
12/12/2025 |
6.64% |
|
12/11/2025 |
6.64% |
|
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% |
|
Date |
APR |
|
12/22/2025 |
6.74% |
|
12/21/2025 |
6.74% |
|
12/20/2025 |
6.74% |
|
12/19/2025 |
6.74% |
|
12/18/2025 |
6.74% |
|
12/17/2025 |
6.74% |
|
12/16/2025 |
6.74% |
|
12/15/2025 |
6.74% |
|
12/14/2025 |
6.74% |
|
12/13/2025 |
6.74% |
|
12/12/2025 |
6.74% |
|
12/11/2025 |
6.74% |
|
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% |
|
Date |
APR |
|
12/22/2025 |
7.24% |
|
12/21/2025 |
7.24% |
|
12/20/2025 |
7.24% |
|
12/19/2025 |
7.24% |
|
12/18/2025 |
7.24% |
|
12/17/2025 |
7.24% |
|
12/16/2025 |
7.24% |
|
12/15/2025 |
7.24% |
|
12/14/2025 |
7.24% |
|
12/13/2025 |
7.24% |
|
12/12/2025 |
7.24% |
|
12/11/2025 |
7.24% |
|
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% |