Welcome to AutoLoanRate.com, your rate-finder sidekick. We track daily APRs for common auto loan terms to help you time your financing and land a better deal. Below you’ll find a concise read on trends, history, and practical tips. The full daily APR table is included further down the page.
36 Months: The current observed rate is 5.24% (as of 11/04/2025). The stretch from early October through mid-October featured a notable spike to 6.24% around 10/21, before returning to 5.24% heading into November. This shows short-term volatility that can swing within days.
60 Months: Rates sat around 4.59% for most of the period, with a brief uptick to 5.74% around early-to-mid October and into late October. The spike was temporary; by early November, the level settled back at 4.59%.
72 Months: The typical level hovered near 5.47%, with a temporary rise to 5.74% around the same window in early October, before easing back toward 5.47% and finally returning toward that level in early November.
84 Months: Longer terms held a slightly higher band, often 5.24% to 5.99%, with the higher end appearing around late September. By the start of November, rates were commonly around 5.24% to 5.74% depending on the day.
Over the past months, the market has shown that auto loan rates move with daily market sentiment, inflation data, and policy signals. Shorter terms react quickly; longer terms show more gradual shifts but can ride spikes when investors reassess risk. In the observed window, the most pronounced moves occurred in October, with a quick retreat into early November suggesting buyers who lock during dips can secure favorable terms amid volatility.
Shop APRs rather than just advertised promos. APR accounts for fees and points, giving you the real cost of financing. Get pre-approved to understand your buying power and to unlock negotiation leverage with lenders. Consider your term length carefully: a shorter term saves interest but raises monthly payments; a longer term lowers monthly payments but costs more overall. Compare multiple lenders on the same day to avoid rate drift. And finally, lock a favorable rate when you see a dip, but verify the lock policy and fees, so you’re not surprised if a rate moves higher.
Based on the recent pattern, we expect rates to stabilize in the 5.0%–5.5% range for 36-month loans if inflation cools and economic data stay tame. If fresh data surprises to the upside or if policy signals change, you could see renewed volatility and higher prints. The takeaway: timing matters, but long-term planning and a solid pre-approval keep you ready to pounce when a dip appears.
We provide a clear daily pulse for major terms, and you already have the full table of daily APRs below. Use the trend context here to interpret the numbers you see in the table: small dips can yield big savings if you lock promptly, and staying loan-term aligned with your budget helps you ride out brief spikes without overpaying.
|
Date |
APR |
|
11/04/2025 |
5.24% |
|
11/03/2025 |
5.24% |
|
11/02/2025 |
5.24% |
|
11/01/2025 |
5.24% |
|
10/31/2025 |
5.24% |
|
10/30/2025 |
5.24% |
|
10/29/2025 |
5.24% |
|
10/28/2025 |
5.24% |
|
10/27/2025 |
5.24% |
|
10/26/2025 |
5.24% |
|
10/25/2025 |
5.24% |
|
10/24/2025 |
5.24% |
|
10/23/2025 |
5.24% |
|
10/22/2025 |
5.24% |
|
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 |
5.24% |
|
10/06/2025 |
5.24% |
|
10/05/2025 |
5.24% |
|
10/04/2025 |
5.24% |
|
10/03/2025 |
5.24% |
|
10/02/2025 |
5.24% |
|
10/01/2025 |
5.24% |
|
09/30/2025 |
5.24% |
|
09/29/2025 |
5.24% |
|
09/28/2025 |
5.24% |
|
09/27/2025 |
5.24% |
|
09/26/2025 |
5.24% |
|
09/25/2025 |
5.24% |
|
09/24/2025 |
5.24% |
|
09/23/2025 |
5.24% |
|
09/22/2025 |
5.24% |
|
09/21/2025 |
5.24% |
|
09/20/2025 |
5.24% |
|
09/19/2025 |
5.24% |
|
09/18/2025 |
5.24% |
|
09/17/2025 |
5.24% |
|
09/16/2025 |
5.24% |
|
09/15/2025 |
5.24% |
|
09/14/2025 |
5.24% |
|
09/13/2025 |
5.24% |
|
09/12/2025 |
5.24% |
|
09/11/2025 |
5.24% |
|
09/10/2025 |
5.24% |
|
09/09/2025 |
5.24% |
|
09/08/2025 |
5.24% |
|
09/07/2025 |
5.24% |
|
09/06/2025 |
5.24% |
|
09/05/2025 |
5.24% |
|
09/04/2025 |
5.24% |
|
09/03/2025 |
5.24% |
|
09/02/2025 |
5.24% |
|
09/01/2025 |
5.24% |
|
08/31/2025 |
5.24% |
|
08/30/2025 |
5.24% |
|
08/29/2025 |
5.24% |
|
08/28/2025 |
5.24% |
|
08/27/2025 |
5.24% |
|
08/26/2025 |
5.24% |
|
08/25/2025 |
5.24% |
|
08/24/2025 |
5.24% |
|
08/23/2025 |
5.24% |
|
08/22/2025 |
5.24% |
|
08/21/2025 |
5.24% |
|
08/20/2025 |
5.24% |
|
08/19/2025 |
5.24% |
|
08/18/2025 |
5.24% |
|
08/17/2025 |
5.24% |
|
08/16/2025 |
5.24% |
|
08/15/2025 |
5.24% |
|
08/14/2025 |
5.24% |
|
08/13/2025 |
5.24% |
|
08/12/2025 |
5.24% |
|
08/11/2025 |
5.24% |
|
08/10/2025 |
5.24% |
|
08/09/2025 |
5.24% |
|
08/08/2025 |
5.24% |
|
08/07/2025 |
5.24% |
|
Date |
APR |
|
11/04/2025 |
4.59% |
|
11/03/2025 |
4.59% |
|
11/02/2025 |
4.59% |
|
11/01/2025 |
4.59% |
|
10/31/2025 |
4.59% |
|
10/30/2025 |
4.59% |
|
10/29/2025 |
4.59% |
|
10/28/2025 |
4.59% |
|
10/27/2025 |
4.59% |
|
10/26/2025 |
4.59% |
|
10/25/2025 |
4.59% |
|
10/24/2025 |
4.59% |
|
10/23/2025 |
4.59% |
|
10/22/2025 |
4.59% |
|
10/21/2025 |
4.59% |
|
10/20/2025 |
4.59% |
|
10/19/2025 |
4.59% |
|
10/18/2025 |
4.59% |
|
10/17/2025 |
4.59% |
|
10/16/2025 |
4.59% |
|
10/15/2025 |
4.59% |
|
10/14/2025 |
4.59% |
|
10/13/2025 |
4.59% |
|
10/12/2025 |
4.59% |
|
10/11/2025 |
4.59% |
|
10/10/2025 |
4.59% |
|
10/09/2025 |
4.59% |
|
10/08/2025 |
4.59% |
|
10/07/2025 |
4.59% |
|
10/06/2025 |
4.59% |
|
10/05/2025 |
4.59% |
|
10/04/2025 |
4.59% |
|
10/03/2025 |
4.59% |
|
10/02/2025 |
4.59% |
|
10/01/2025 |
4.59% |
|
09/30/2025 |
4.59% |
|
09/29/2025 |
4.59% |
|
09/28/2025 |
4.59% |
|
09/27/2025 |
4.59% |
|
09/26/2025 |
4.59% |
|
09/25/2025 |
4.59% |
|
09/24/2025 |
4.59% |
|
09/23/2025 |
4.59% |
|
09/22/2025 |
4.59% |
|
09/21/2025 |
4.59% |
|
09/20/2025 |
4.59% |
|
09/19/2025 |
4.59% |
|
09/18/2025 |
4.59% |
|
09/17/2025 |
4.59% |
|
09/16/2025 |
4.59% |
|
09/15/2025 |
4.59% |
|
09/14/2025 |
4.59% |
|
09/13/2025 |
4.59% |
|
09/12/2025 |
4.59% |
|
09/11/2025 |
4.59% |
|
09/10/2025 |
4.59% |
|
09/09/2025 |
4.59% |
|
09/08/2025 |
4.59% |
|
09/07/2025 |
4.59% |
|
09/06/2025 |
4.59% |
|
09/05/2025 |
4.59% |
|
09/04/2025 |
4.59% |
|
09/03/2025 |
4.59% |
|
09/02/2025 |
4.59% |
|
09/01/2025 |
4.4% |
|
08/31/2025 |
4.4% |
|
08/30/2025 |
4.4% |
|
08/29/2025 |
4.4% |
|
08/28/2025 |
4.4% |
|
08/27/2025 |
4.4% |
|
08/26/2025 |
4.4% |
|
08/25/2025 |
4.4% |
|
08/24/2025 |
4.4% |
|
08/23/2025 |
4.4% |
|
08/22/2025 |
4.4% |
|
08/21/2025 |
4.4% |
|
08/20/2025 |
4.4% |
|
08/19/2025 |
4.4% |
|
08/18/2025 |
4.4% |
|
08/17/2025 |
4.4% |
|
08/16/2025 |
4.4% |
|
08/15/2025 |
4.4% |
|
08/14/2025 |
4.4% |
|
08/13/2025 |
4.4% |
|
08/12/2025 |
4.4% |
|
08/11/2025 |
4.4% |
|
08/10/2025 |
4.4% |
|
08/09/2025 |
4.4% |
|
08/08/2025 |
4.4% |
|
08/07/2025 |
4.4% |
|
Date |
APR |
|
11/04/2025 |
5.47% |
|
11/03/2025 |
5.47% |
|
11/02/2025 |
5.47% |
|
11/01/2025 |
5.47% |
|
10/31/2025 |
5.47% |
|
10/30/2025 |
5.47% |
|
10/29/2025 |
5.47% |
|
10/28/2025 |
5.47% |
|
10/27/2025 |
5.47% |
|
10/26/2025 |
5.47% |
|
10/25/2025 |
5.47% |
|
10/24/2025 |
5.47% |
|
10/23/2025 |
5.47% |
|
10/22/2025 |
5.47% |
|
10/21/2025 |
5.47% |
|
10/20/2025 |
5.47% |
|
10/19/2025 |
5.47% |
|
10/18/2025 |
5.47% |
|
10/17/2025 |
5.47% |
|
10/16/2025 |
5.47% |
|
10/15/2025 |
5.47% |
|
10/14/2025 |
5.47% |
|
10/13/2025 |
5.47% |
|
10/12/2025 |
5.47% |
|
10/11/2025 |
5.47% |
|
10/10/2025 |
5.47% |
|
10/09/2025 |
5.47% |
|
10/08/2025 |
5.47% |
|
10/07/2025 |
5.74% |
|
10/06/2025 |
5.74% |
|
10/05/2025 |
5.74% |
|
10/04/2025 |
5.74% |
|
10/03/2025 |
5.74% |
|
10/02/2025 |
5.74% |
|
10/01/2025 |
5.74% |
|
09/30/2025 |
5.74% |
|
09/29/2025 |
5.74% |
|
09/28/2025 |
5.74% |
|
09/27/2025 |
5.74% |
|
09/26/2025 |
5.74% |
|
09/25/2025 |
5.74% |
|
09/24/2025 |
5.74% |
|
09/23/2025 |
5.74% |
|
09/22/2025 |
5.74% |
|
09/21/2025 |
5.74% |
|
09/20/2025 |
5.74% |
|
09/19/2025 |
5.74% |
|
09/18/2025 |
5.74% |
|
09/17/2025 |
5.74% |
|
09/16/2025 |
5.74% |
|
09/15/2025 |
5.74% |
|
09/14/2025 |
5.74% |
|
09/13/2025 |
5.74% |
|
09/12/2025 |
5.74% |
|
09/11/2025 |
5.74% |
|
09/10/2025 |
5.74% |
|
09/09/2025 |
5.74% |
|
09/08/2025 |
5.74% |
|
09/07/2025 |
5.74% |
|
09/06/2025 |
5.74% |
|
09/05/2025 |
5.74% |
|
09/04/2025 |
5.74% |
|
09/03/2025 |
5.74% |
|
09/02/2025 |
5.74% |
|
09/01/2025 |
5.74% |
|
08/31/2025 |
5.74% |
|
08/30/2025 |
5.74% |
|
08/29/2025 |
5.74% |
|
08/28/2025 |
5.74% |
|
08/27/2025 |
5.74% |
|
08/26/2025 |
5.74% |
|
08/25/2025 |
5.74% |
|
08/24/2025 |
5.74% |
|
08/23/2025 |
5.74% |
|
08/22/2025 |
5.74% |
|
08/21/2025 |
5.74% |
|
08/20/2025 |
5.74% |
|
08/19/2025 |
5.74% |
|
08/18/2025 |
5.74% |
|
08/17/2025 |
5.74% |
|
08/16/2025 |
5.74% |
|
08/15/2025 |
5.74% |
|
08/14/2025 |
5.74% |
|
08/13/2025 |
5.74% |
|
08/12/2025 |
5.74% |
|
08/11/2025 |
5.74% |
|
08/10/2025 |
5.74% |
|
08/09/2025 |
5.74% |
|
08/08/2025 |
5.74% |
|
08/07/2025 |
5.74% |
|
Date |
APR |
|
11/04/2025 |
5.24% |
|
11/03/2025 |
5.24% |
|
11/02/2025 |
5.24% |
|
11/01/2025 |
5.24% |
|
10/31/2025 |
5.24% |
|
10/30/2025 |
5.24% |
|
10/29/2025 |
5.24% |
|
10/28/2025 |
5.24% |
|
10/27/2025 |
5.24% |
|
10/26/2025 |
5.24% |
|
10/25/2025 |
5.24% |
|
10/24/2025 |
5.24% |
|
10/23/2025 |
5.24% |
|
10/22/2025 |
5.24% |
|
10/21/2025 |
5.24% |
|
10/20/2025 |
5.24% |
|
10/19/2025 |
5.24% |
|
10/18/2025 |
5.24% |
|
10/17/2025 |
5.24% |
|
10/16/2025 |
5.24% |
|
10/15/2025 |
5.24% |
|
10/14/2025 |
5.24% |
|
10/13/2025 |
5.24% |
|
10/12/2025 |
5.24% |
|
10/11/2025 |
5.24% |
|
10/10/2025 |
5.24% |
|
10/09/2025 |
5.24% |
|
10/08/2025 |
5.24% |
|
10/07/2025 |
5.24% |
|
10/06/2025 |
5.24% |
|
10/05/2025 |
5.24% |
|
10/04/2025 |
5.24% |
|
10/03/2025 |
5.24% |
|
10/02/2025 |
5.24% |
|
10/01/2025 |
5.24% |
|
09/30/2025 |
5.24% |
|
09/29/2025 |
5.24% |
|
09/28/2025 |
5.24% |
|
09/27/2025 |
5.24% |
|
09/26/2025 |
5.24% |
|
09/25/2025 |
5.24% |
|
09/24/2025 |
5.24% |
|
09/23/2025 |
5.24% |
|
09/22/2025 |
5.24% |
|
09/21/2025 |
5.99% |
|
09/20/2025 |
5.99% |
|
09/19/2025 |
5.99% |
|
09/18/2025 |
5.99% |
|
09/17/2025 |
5.99% |
|
09/16/2025 |
5.99% |
|
09/15/2025 |
5.99% |
|
09/14/2025 |
5.99% |
|
09/13/2025 |
5.99% |
|
09/12/2025 |
5.99% |
|
09/11/2025 |
5.99% |
|
09/10/2025 |
5.99% |
|
09/09/2025 |
5.99% |
|
09/08/2025 |
5.99% |
|
09/07/2025 |
5.99% |
|
09/06/2025 |
5.99% |
|
09/05/2025 |
5.99% |
|
09/04/2025 |
5.99% |
|
09/03/2025 |
5.99% |
|
09/02/2025 |
5.99% |
|
09/01/2025 |
5.99% |
|
08/31/2025 |
5.99% |
|
08/30/2025 |
5.99% |
|
08/29/2025 |
5.99% |
|
08/28/2025 |
5.99% |
|
08/27/2025 |
5.99% |
|
08/26/2025 |
5.99% |
|
08/25/2025 |
5.99% |
|
08/24/2025 |
5.99% |
|
08/23/2025 |
5.99% |
|
08/22/2025 |
5.99% |
|
08/21/2025 |
5.99% |
|
08/20/2025 |
5.99% |
|
08/19/2025 |
5.99% |
|
08/18/2025 |
5.99% |
|
08/17/2025 |
5.99% |
|
08/16/2025 |
5.99% |
|
08/15/2025 |
5.99% |
|
08/14/2025 |
5.99% |
|
08/13/2025 |
5.99% |
|
08/12/2025 |
5.99% |
|
08/11/2025 |
5.99% |
|
08/10/2025 |
5.99% |
|
08/09/2025 |
5.99% |
|
08/08/2025 |
5.99% |
|
08/07/2025 |
5.99% |