AutoLoanRate.com tracks MyAutoLoan’s daily APRs across four common loan terms to help you compare offers quickly. Here’s the latest snapshot (as of 02/03/2026): 36 months 5.98%, 60 months 4.59%, 72 months 5.47%, and 84 months 5.24%.
Trend note: The 36-month rate climbed in late January, jumping from 5.24% to 5.98% by early February, while the longer terms stayed in a narrow range. This divergence highlights shifting short‑term funding costs relative to longer commitments.
Short-term financing (36 months) showed the most movement, rising from about 5.24% in mid‑January to 5.98% by 02/03/2026. Longer terms remained comparatively stable: 60 months around 4.59%, 72 months around 5.47%, and 84 months around 5.24% during the same period.
Over the past six weeks, 36-month APRs moved roughly a full percentage point higher, while 60-, 72-, and 84-month APRs held within a tight 0.1–0.2% band. The spread between short and long terms widened as market expectations for wholesale funding shifted.
Shop for the best APR across terms, not just the lowest headline rate. Consider a shorter term if you can afford the monthly payment, as you’ll save interest over the life of the loan. If you expect to keep the car longer, a stable longer-term APR can be attractive. Get prequalification offers to compare without a hard pull, and look for rate locks if you spot a favorable move.
Maximize your chances: improve your credit score, make a larger down payment, and minimize added fees that inflate the APR-equivalent cost. Remember that the table below reflects daily rates that can change; always verify the current offer with lenders directly.
For today’s numbers, a 60-month loan near 4.59% offers a balanced blend of monthly payment and total interest, while a 36-month loan at 5.98% lowers total interest but requires a higher monthly outlay. If you’re financing a more expensive vehicle, compare 72- and 84-month options cautiously, as longer terms mean more interest even if the quoted APR is similar.
If inflation remains contained and the Fed signals rate cuts later this year, 36-month APRs could ease toward the mid‑5% range. Longer terms may drift lower as well, but moves will hinge on policy signals and economic data. The coming weeks will reveal whether the late‑January spike in short‑term rates was a spike or the start of a new range.
The daily APRs shown here are averages captured across MyAutoLoan and other lenders for four common terms. Your actual rate depends on credit history, down payment, vehicle, and location. The table below (further down this page) provides the granular, daily numbers used for comparison—use it to see how the trends played out day by day.
Bookmark AutoLoanRate.com for daily updates and fresh ideas to optimize your auto financing. If you’re ready to shop, start with prequalification to see real offers without a hard pull.
|
Date |
APR |
|
02/03/2026 |
5.98% |
|
02/02/2026 |
5.98% |
|
02/01/2026 |
5.98% |
|
01/31/2026 |
5.98% |
|
01/30/2026 |
5.98% |
|
01/29/2026 |
5.98% |
|
01/28/2026 |
5.98% |
|
01/27/2026 |
5.98% |
|
01/26/2026 |
5.24% |
|
01/25/2026 |
5.24% |
|
01/24/2026 |
5.24% |
|
01/23/2026 |
5.24% |
|
01/22/2026 |
5.24% |
|
01/21/2026 |
5.24% |
|
01/20/2026 |
5.24% |
|
01/19/2026 |
5.24% |
|
01/18/2026 |
5.24% |
|
01/17/2026 |
5.24% |
|
01/16/2026 |
5.24% |
|
01/15/2026 |
5.24% |
|
01/14/2026 |
5.24% |
|
01/13/2026 |
5.24% |
|
01/12/2026 |
5.24% |
|
01/11/2026 |
5.24% |
|
01/10/2026 |
5.24% |
|
01/09/2026 |
5.24% |
|
01/08/2026 |
5.24% |
|
01/07/2026 |
5.24% |
|
01/06/2026 |
5.24% |
|
01/05/2026 |
5.24% |
|
01/04/2026 |
5.24% |
|
01/03/2026 |
5.24% |
|
01/02/2026 |
5.24% |
|
01/01/2026 |
5.24% |
|
12/31/2025 |
5.24% |
|
12/30/2025 |
5.24% |
|
12/29/2025 |
5.24% |
|
12/28/2025 |
5.24% |
|
12/27/2025 |
5.24% |
|
12/26/2025 |
5.24% |
|
12/25/2025 |
5.24% |
|
12/24/2025 |
5.24% |
|
12/23/2025 |
5.24% |
|
12/22/2025 |
5.24% |
|
12/21/2025 |
5.24% |
|
12/20/2025 |
5.24% |
|
12/19/2025 |
5.24% |
|
12/18/2025 |
5.24% |
|
12/17/2025 |
5.24% |
|
12/16/2025 |
5.24% |
|
12/15/2025 |
5.24% |
|
12/14/2025 |
5.24% |
|
12/13/2025 |
5.24% |
|
12/12/2025 |
5.24% |
|
12/11/2025 |
5.24% |
|
12/10/2025 |
5.24% |
|
12/09/2025 |
5.24% |
|
12/08/2025 |
5.24% |
|
12/07/2025 |
5.24% |
|
12/06/2025 |
5.24% |
|
12/05/2025 |
5.24% |
|
12/04/2025 |
5.24% |
|
12/03/2025 |
5.24% |
|
12/02/2025 |
5.24% |
|
12/01/2025 |
5.24% |
|
11/30/2025 |
5.24% |
|
11/29/2025 |
5.24% |
|
11/28/2025 |
5.24% |
|
11/27/2025 |
5.24% |
|
11/26/2025 |
5.24% |
|
11/25/2025 |
5.24% |
|
11/24/2025 |
5.24% |
|
11/23/2025 |
5.24% |
|
11/22/2025 |
5.24% |
|
11/21/2025 |
5.24% |
|
11/20/2025 |
5.24% |
|
11/19/2025 |
5.24% |
|
11/18/2025 |
5.24% |
|
11/17/2025 |
5.24% |
|
11/16/2025 |
5.24% |
|
11/15/2025 |
5.24% |
|
11/14/2025 |
5.24% |
|
11/13/2025 |
5.24% |
|
11/12/2025 |
5.24% |
|
11/11/2025 |
5.24% |
|
11/10/2025 |
5.24% |
|
11/09/2025 |
5.24% |
|
11/08/2025 |
5.24% |
|
11/07/2025 |
5.24% |
|
11/06/2025 |
5.24% |
|
Date |
APR |
|
02/03/2026 |
4.59% |
|
02/02/2026 |
4.59% |
|
02/01/2026 |
4.59% |
|
01/31/2026 |
4.59% |
|
01/30/2026 |
4.59% |
|
01/29/2026 |
4.59% |
|
01/28/2026 |
4.59% |
|
01/27/2026 |
4.59% |
|
01/26/2026 |
4.59% |
|
01/25/2026 |
4.59% |
|
01/24/2026 |
4.59% |
|
01/23/2026 |
4.59% |
|
01/22/2026 |
4.59% |
|
01/21/2026 |
4.59% |
|
01/20/2026 |
4.59% |
|
01/19/2026 |
4.59% |
|
01/18/2026 |
4.59% |
|
01/17/2026 |
4.59% |
|
01/16/2026 |
4.59% |
|
01/15/2026 |
4.59% |
|
01/14/2026 |
4.59% |
|
01/13/2026 |
4.59% |
|
01/12/2026 |
4.59% |
|
01/11/2026 |
4.59% |
|
01/10/2026 |
4.59% |
|
01/09/2026 |
4.59% |
|
01/08/2026 |
4.59% |
|
01/07/2026 |
4.59% |
|
01/06/2026 |
4.59% |
|
01/05/2026 |
4.59% |
|
01/04/2026 |
4.59% |
|
01/03/2026 |
4.59% |
|
01/02/2026 |
4.59% |
|
01/01/2026 |
4.59% |
|
12/31/2025 |
4.59% |
|
12/30/2025 |
4.59% |
|
12/29/2025 |
4.59% |
|
12/28/2025 |
4.59% |
|
12/27/2025 |
4.59% |
|
12/26/2025 |
4.59% |
|
12/25/2025 |
4.59% |
|
12/24/2025 |
4.59% |
|
12/23/2025 |
4.59% |
|
12/22/2025 |
4.59% |
|
12/21/2025 |
4.59% |
|
12/20/2025 |
4.59% |
|
12/19/2025 |
4.59% |
|
12/18/2025 |
4.59% |
|
12/17/2025 |
4.59% |
|
12/16/2025 |
4.59% |
|
12/15/2025 |
4.59% |
|
12/14/2025 |
4.59% |
|
12/13/2025 |
4.59% |
|
12/12/2025 |
4.59% |
|
12/11/2025 |
4.59% |
|
12/10/2025 |
4.59% |
|
12/09/2025 |
4.59% |
|
12/08/2025 |
4.59% |
|
12/07/2025 |
4.59% |
|
12/06/2025 |
4.59% |
|
12/05/2025 |
4.59% |
|
12/04/2025 |
4.59% |
|
12/03/2025 |
4.59% |
|
12/02/2025 |
4.59% |
|
12/01/2025 |
4.59% |
|
11/30/2025 |
4.59% |
|
11/29/2025 |
4.59% |
|
11/28/2025 |
4.59% |
|
11/27/2025 |
4.59% |
|
11/26/2025 |
4.59% |
|
11/25/2025 |
4.59% |
|
11/24/2025 |
4.59% |
|
11/23/2025 |
4.59% |
|
11/22/2025 |
4.59% |
|
11/21/2025 |
4.59% |
|
11/20/2025 |
4.59% |
|
11/19/2025 |
4.59% |
|
11/18/2025 |
4.59% |
|
11/17/2025 |
4.59% |
|
11/16/2025 |
4.59% |
|
11/15/2025 |
4.59% |
|
11/14/2025 |
4.59% |
|
11/13/2025 |
4.59% |
|
11/12/2025 |
4.59% |
|
11/11/2025 |
4.59% |
|
11/10/2025 |
4.59% |
|
11/09/2025 |
4.59% |
|
11/08/2025 |
4.59% |
|
11/07/2025 |
4.59% |
|
11/06/2025 |
4.59% |
|
Date |
APR |
|
02/03/2026 |
5.47% |
|
02/02/2026 |
5.47% |
|
02/01/2026 |
5.47% |
|
01/31/2026 |
5.47% |
|
01/30/2026 |
5.47% |
|
01/29/2026 |
5.47% |
|
01/28/2026 |
5.47% |
|
01/27/2026 |
5.47% |
|
01/26/2026 |
5.47% |
|
01/25/2026 |
5.47% |
|
01/24/2026 |
5.47% |
|
01/23/2026 |
5.47% |
|
01/22/2026 |
5.47% |
|
01/21/2026 |
5.47% |
|
01/20/2026 |
5.47% |
|
01/19/2026 |
5.47% |
|
01/18/2026 |
5.47% |
|
01/17/2026 |
5.47% |
|
01/16/2026 |
5.47% |
|
01/15/2026 |
5.47% |
|
01/14/2026 |
5.47% |
|
01/13/2026 |
5.47% |
|
01/12/2026 |
5.47% |
|
01/11/2026 |
5.47% |
|
01/10/2026 |
5.47% |
|
01/09/2026 |
5.47% |
|
01/08/2026 |
5.47% |
|
01/07/2026 |
5.47% |
|
01/06/2026 |
5.47% |
|
01/05/2026 |
5.47% |
|
01/04/2026 |
5.47% |
|
01/03/2026 |
5.47% |
|
01/02/2026 |
5.47% |
|
01/01/2026 |
5.47% |
|
12/31/2025 |
5.47% |
|
12/30/2025 |
5.47% |
|
12/29/2025 |
5.47% |
|
12/28/2025 |
5.47% |
|
12/27/2025 |
5.47% |
|
12/26/2025 |
5.47% |
|
12/25/2025 |
5.47% |
|
12/24/2025 |
5.47% |
|
12/23/2025 |
5.47% |
|
12/22/2025 |
5.47% |
|
12/21/2025 |
5.47% |
|
12/20/2025 |
5.47% |
|
12/19/2025 |
5.47% |
|
12/18/2025 |
5.47% |
|
12/17/2025 |
5.47% |
|
12/16/2025 |
5.47% |
|
12/15/2025 |
5.47% |
|
12/14/2025 |
5.47% |
|
12/13/2025 |
5.47% |
|
12/12/2025 |
5.47% |
|
12/11/2025 |
5.47% |
|
12/10/2025 |
5.47% |
|
12/09/2025 |
5.47% |
|
12/08/2025 |
5.47% |
|
12/07/2025 |
5.47% |
|
12/06/2025 |
5.47% |
|
12/05/2025 |
5.47% |
|
12/04/2025 |
5.47% |
|
12/03/2025 |
5.47% |
|
12/02/2025 |
5.47% |
|
12/01/2025 |
5.47% |
|
11/30/2025 |
5.47% |
|
11/29/2025 |
5.47% |
|
11/28/2025 |
5.47% |
|
11/27/2025 |
5.47% |
|
11/26/2025 |
5.47% |
|
11/25/2025 |
5.47% |
|
11/24/2025 |
5.47% |
|
11/23/2025 |
5.47% |
|
11/22/2025 |
5.47% |
|
11/21/2025 |
5.47% |
|
11/20/2025 |
5.47% |
|
11/19/2025 |
5.47% |
|
11/18/2025 |
5.47% |
|
11/17/2025 |
5.47% |
|
11/16/2025 |
5.47% |
|
11/15/2025 |
5.47% |
|
11/14/2025 |
5.47% |
|
11/13/2025 |
5.47% |
|
11/12/2025 |
5.47% |
|
11/11/2025 |
5.47% |
|
11/10/2025 |
5.47% |
|
11/09/2025 |
5.47% |
|
11/08/2025 |
5.47% |
|
11/07/2025 |
5.47% |
|
11/06/2025 |
5.47% |
|
Date |
APR |
|
02/03/2026 |
5.24% |
|
02/02/2026 |
5.24% |
|
02/01/2026 |
5.24% |
|
01/31/2026 |
5.24% |
|
01/30/2026 |
5.24% |
|
01/29/2026 |
5.24% |
|
01/28/2026 |
5.24% |
|
01/27/2026 |
5.24% |
|
01/26/2026 |
5.24% |
|
01/25/2026 |
5.24% |
|
01/24/2026 |
5.24% |
|
01/23/2026 |
5.24% |
|
01/22/2026 |
5.24% |
|
01/21/2026 |
5.24% |
|
01/20/2026 |
5.24% |
|
01/19/2026 |
5.24% |
|
01/18/2026 |
5.24% |
|
01/17/2026 |
5.24% |
|
01/16/2026 |
5.24% |
|
01/15/2026 |
5.24% |
|
01/14/2026 |
5.24% |
|
01/13/2026 |
5.24% |
|
01/12/2026 |
5.24% |
|
01/11/2026 |
5.24% |
|
01/10/2026 |
5.24% |
|
01/09/2026 |
5.24% |
|
01/08/2026 |
5.24% |
|
01/07/2026 |
5.24% |
|
01/06/2026 |
5.24% |
|
01/05/2026 |
5.24% |
|
01/04/2026 |
5.24% |
|
01/03/2026 |
5.24% |
|
01/02/2026 |
5.24% |
|
01/01/2026 |
5.24% |
|
12/31/2025 |
5.24% |
|
12/30/2025 |
5.24% |
|
12/29/2025 |
5.24% |
|
12/28/2025 |
5.24% |
|
12/27/2025 |
5.24% |
|
12/26/2025 |
5.24% |
|
12/25/2025 |
5.24% |
|
12/24/2025 |
5.24% |
|
12/23/2025 |
5.24% |
|
12/22/2025 |
5.24% |
|
12/21/2025 |
5.24% |
|
12/20/2025 |
5.24% |
|
12/19/2025 |
5.24% |
|
12/18/2025 |
5.24% |
|
12/17/2025 |
5.24% |
|
12/16/2025 |
5.24% |
|
12/15/2025 |
5.24% |
|
12/14/2025 |
5.24% |
|
12/13/2025 |
5.24% |
|
12/12/2025 |
5.24% |
|
12/11/2025 |
5.24% |
|
12/10/2025 |
5.24% |
|
12/09/2025 |
5.24% |
|
12/08/2025 |
5.24% |
|
12/07/2025 |
5.24% |
|
12/06/2025 |
5.24% |
|
12/05/2025 |
5.24% |
|
12/04/2025 |
5.24% |
|
12/03/2025 |
5.24% |
|
12/02/2025 |
5.24% |
|
12/01/2025 |
5.24% |
|
11/30/2025 |
5.24% |
|
11/29/2025 |
5.24% |
|
11/28/2025 |
5.24% |
|
11/27/2025 |
5.24% |
|
11/26/2025 |
5.24% |
|
11/25/2025 |
5.24% |
|
11/24/2025 |
5.24% |
|
11/23/2025 |
5.24% |
|
11/22/2025 |
5.24% |
|
11/21/2025 |
5.24% |
|
11/20/2025 |
5.24% |
|
11/19/2025 |
5.24% |
|
11/18/2025 |
5.24% |
|
11/17/2025 |
5.24% |
|
11/16/2025 |
5.24% |
|
11/15/2025 |
5.24% |
|
11/14/2025 |
5.24% |
|
11/13/2025 |
5.24% |
|
11/12/2025 |
5.24% |
|
11/11/2025 |
5.24% |
|
11/10/2025 |
5.24% |
|
11/09/2025 |
5.24% |
|
11/08/2025 |
5.24% |
|
11/07/2025 |
5.24% |
|
11/06/2025 |
5.24% |