AutoLoanRate.com tracks daily used-car APRs from MyAutoLoan across common loan terms. This page summarizes rate movements, a historical snapshot, practical tips, and our outlook for where rates may be headed next.
In late 2025, 36-month APRs mostly sat at 6.49%, with a brief mid‑October spike to 6.74% before settling back to 6.49% by January 2026. That kept this short term as the rate leader among the four terms in this dataset, offering the lowest cost over the life of the loan if you can handle higher monthly payments. The recent easing suggests a steadying environment for buyers who prefer faster payoff timelines.
60-month APRs hovered near 6.89% at year-end 2025, peaked around 7.24% in mid‑October, and then cooled to 6.89% by mid‑January 2026. Longer than the 36‑month term, this option carries more total interest but lowers monthly bills. The downward move from fall highs indicates funding costs eased a bit into winter, improving affordability for some buyers.
72-month APRs climbed to about 7.39% in late October 2025 and drifted lower to 6.99% by January 2026. The longer payoff period generally commands a higher rate, but the trend in January shows a notable pullback from the fall peak, offering relief for borrowers who need more time to repay without breaking the bank each month.
84-month APRs reached approximately 7.99% in late October 2025 and eased to around 7.49% by January 2026, remaining the highest of the four terms. Long-term loans spread risk over a longer horizon, so rates stay elevated even as shorter terms soften. If you’re budgeting monthly, this term offers the lowest monthly payment but the highest total interest over the life of the loan.
These daily APRs reflect a broad lender pool across used-car financing. The fall 2025 period showed a broad uptick in longer-term rates, followed by a cooling into January 2026. Shorter terms tended to move more quickly with policy signals, while longer terms absorbed more of the risk and funding cost shifts. Together, they map a typical cycle: rates rise with risk appetite, then ease as conditions stabilize.
Lock in a favorable rate when you see it on your preferred term and payment plan. Always shop multiple lenders and consider pre-approval to gauge your best offers. If you can afford it, a shorter term often saves the most interest over the life of the loan, even if the monthly payment is higher. Don’t forget to factor in taxes, fees, and any discounts. Enroll in automatic payments if a lender offers a rate incentive—that small perk can tip the scales in your favor.
Based on the MyAutoLoan daily data, continued inflation cooling and straightforward monetary policy could push APRs modestly lower or keep them steady across 2026, especially for shorter and mid-range terms. Longer terms may remain comparatively higher due to extended risk, unless funding costs fall more than expected. The smart move is to stay attentive to daily shifts and be ready to lock when a favorable window appears. AutoLoanRate.com will keep you posted with timely updates so you can strike at the best moment.
|
Date |
APR |
|
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% |
|
12/23/2025 |
6.49% |
|
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 |
6.74% |
|
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% |
|
Date |
APR |
|
01/13/2026 |
6.89% |
|
01/12/2026 |
6.89% |
|
01/11/2026 |
6.89% |
|
01/10/2026 |
6.89% |
|
01/09/2026 |
6.89% |
|
01/08/2026 |
6.89% |
|
01/07/2026 |
6.89% |
|
01/06/2026 |
6.89% |
|
01/05/2026 |
6.89% |
|
01/04/2026 |
6.89% |
|
01/03/2026 |
6.89% |
|
01/02/2026 |
6.89% |
|
01/01/2026 |
6.89% |
|
12/31/2025 |
6.89% |
|
12/30/2025 |
6.89% |
|
12/29/2025 |
6.89% |
|
12/28/2025 |
6.89% |
|
12/27/2025 |
6.89% |
|
12/26/2025 |
6.89% |
|
12/25/2025 |
6.89% |
|
12/24/2025 |
6.89% |
|
12/23/2025 |
6.89% |
|
12/22/2025 |
6.89% |
|
12/21/2025 |
6.89% |
|
12/20/2025 |
6.89% |
|
12/19/2025 |
6.89% |
|
12/18/2025 |
6.89% |
|
12/17/2025 |
6.89% |
|
12/16/2025 |
6.89% |
|
12/15/2025 |
6.89% |
|
12/14/2025 |
6.89% |
|
12/13/2025 |
6.89% |
|
12/12/2025 |
6.89% |
|
12/11/2025 |
6.89% |
|
12/10/2025 |
6.89% |
|
12/09/2025 |
6.89% |
|
12/08/2025 |
6.89% |
|
12/07/2025 |
6.89% |
|
12/06/2025 |
6.89% |
|
12/05/2025 |
6.89% |
|
12/04/2025 |
6.89% |
|
12/03/2025 |
6.89% |
|
12/02/2025 |
6.89% |
|
12/01/2025 |
6.89% |
|
11/30/2025 |
6.89% |
|
11/29/2025 |
6.89% |
|
11/28/2025 |
6.89% |
|
11/27/2025 |
6.89% |
|
11/26/2025 |
6.89% |
|
11/25/2025 |
6.89% |
|
11/24/2025 |
6.89% |
|
11/23/2025 |
6.89% |
|
11/22/2025 |
6.89% |
|
11/21/2025 |
6.89% |
|
11/20/2025 |
6.89% |
|
11/19/2025 |
6.89% |
|
11/18/2025 |
6.89% |
|
11/17/2025 |
6.89% |
|
11/16/2025 |
6.89% |
|
11/15/2025 |
6.89% |
|
11/14/2025 |
6.89% |
|
11/13/2025 |
6.89% |
|
11/12/2025 |
6.89% |
|
11/11/2025 |
6.89% |
|
11/10/2025 |
6.89% |
|
11/09/2025 |
6.89% |
|
11/08/2025 |
6.89% |
|
11/07/2025 |
6.89% |
|
11/06/2025 |
6.89% |
|
11/05/2025 |
6.89% |
|
11/04/2025 |
6.89% |
|
11/03/2025 |
6.89% |
|
11/02/2025 |
6.89% |
|
11/01/2025 |
6.89% |
|
10/31/2025 |
6.89% |
|
10/30/2025 |
6.89% |
|
10/29/2025 |
6.89% |
|
10/28/2025 |
6.89% |
|
10/27/2025 |
6.89% |
|
10/26/2025 |
6.89% |
|
10/25/2025 |
6.89% |
|
10/24/2025 |
6.89% |
|
10/23/2025 |
6.89% |
|
10/22/2025 |
6.89% |
|
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% |
|
Date |
APR |
|
01/13/2026 |
6.99% |
|
01/12/2026 |
6.99% |
|
01/11/2026 |
6.99% |
|
01/10/2026 |
6.99% |
|
01/09/2026 |
6.99% |
|
01/08/2026 |
6.99% |
|
01/07/2026 |
6.99% |
|
01/06/2026 |
6.99% |
|
01/05/2026 |
6.99% |
|
01/04/2026 |
6.99% |
|
01/03/2026 |
6.99% |
|
01/02/2026 |
6.99% |
|
01/01/2026 |
6.99% |
|
12/31/2025 |
6.99% |
|
12/30/2025 |
6.99% |
|
12/29/2025 |
6.99% |
|
12/28/2025 |
6.99% |
|
12/27/2025 |
6.99% |
|
12/26/2025 |
6.99% |
|
12/25/2025 |
6.99% |
|
12/24/2025 |
6.99% |
|
12/23/2025 |
6.99% |
|
12/22/2025 |
6.99% |
|
12/21/2025 |
6.99% |
|
12/20/2025 |
6.99% |
|
12/19/2025 |
6.99% |
|
12/18/2025 |
6.99% |
|
12/17/2025 |
6.99% |
|
12/16/2025 |
6.99% |
|
12/15/2025 |
6.99% |
|
12/14/2025 |
6.99% |
|
12/13/2025 |
6.99% |
|
12/12/2025 |
6.99% |
|
12/11/2025 |
6.99% |
|
12/10/2025 |
6.99% |
|
12/09/2025 |
6.99% |
|
12/08/2025 |
6.99% |
|
12/07/2025 |
6.99% |
|
12/06/2025 |
6.99% |
|
12/05/2025 |
6.99% |
|
12/04/2025 |
6.99% |
|
12/03/2025 |
6.99% |
|
12/02/2025 |
6.99% |
|
12/01/2025 |
6.99% |
|
11/30/2025 |
6.99% |
|
11/29/2025 |
6.99% |
|
11/28/2025 |
6.99% |
|
11/27/2025 |
6.99% |
|
11/26/2025 |
6.99% |
|
11/25/2025 |
6.99% |
|
11/24/2025 |
6.99% |
|
11/23/2025 |
6.99% |
|
11/22/2025 |
6.99% |
|
11/21/2025 |
6.99% |
|
11/20/2025 |
6.99% |
|
11/19/2025 |
6.99% |
|
11/18/2025 |
6.99% |
|
11/17/2025 |
6.99% |
|
11/16/2025 |
6.99% |
|
11/15/2025 |
6.99% |
|
11/14/2025 |
6.99% |
|
11/13/2025 |
6.99% |
|
11/12/2025 |
6.99% |
|
11/11/2025 |
6.99% |
|
11/10/2025 |
6.99% |
|
11/09/2025 |
6.99% |
|
11/08/2025 |
6.99% |
|
11/07/2025 |
6.99% |
|
11/06/2025 |
6.99% |
|
11/05/2025 |
6.99% |
|
11/04/2025 |
6.99% |
|
11/03/2025 |
6.99% |
|
11/02/2025 |
6.99% |
|
11/01/2025 |
6.99% |
|
10/31/2025 |
6.99% |
|
10/30/2025 |
6.99% |
|
10/29/2025 |
6.99% |
|
10/28/2025 |
6.99% |
|
10/27/2025 |
6.99% |
|
10/26/2025 |
6.99% |
|
10/25/2025 |
6.99% |
|
10/24/2025 |
6.99% |
|
10/23/2025 |
6.99% |
|
10/22/2025 |
6.99% |
|
10/21/2025 |
7.39% |
|
10/20/2025 |
7.39% |
|
10/19/2025 |
7.39% |
|
10/18/2025 |
7.39% |
|
10/17/2025 |
7.39% |
|
10/16/2025 |
7.39% |
|
Date |
APR |
|
01/13/2026 |
7.49% |
|
01/12/2026 |
7.49% |
|
01/11/2026 |
7.49% |
|
01/10/2026 |
7.49% |
|
01/09/2026 |
7.49% |
|
01/08/2026 |
7.49% |
|
01/07/2026 |
7.49% |
|
01/06/2026 |
7.49% |
|
01/05/2026 |
7.49% |
|
01/04/2026 |
7.49% |
|
01/03/2026 |
7.49% |
|
01/02/2026 |
7.49% |
|
01/01/2026 |
7.49% |
|
12/31/2025 |
7.49% |
|
12/30/2025 |
7.49% |
|
12/29/2025 |
7.49% |
|
12/28/2025 |
7.49% |
|
12/27/2025 |
7.49% |
|
12/26/2025 |
7.49% |
|
12/25/2025 |
7.49% |
|
12/24/2025 |
7.49% |
|
12/23/2025 |
7.49% |
|
12/22/2025 |
7.49% |
|
12/21/2025 |
7.49% |
|
12/20/2025 |
7.49% |
|
12/19/2025 |
7.49% |
|
12/18/2025 |
7.49% |
|
12/17/2025 |
7.49% |
|
12/16/2025 |
7.49% |
|
12/15/2025 |
7.49% |
|
12/14/2025 |
7.49% |
|
12/13/2025 |
7.49% |
|
12/12/2025 |
7.49% |
|
12/11/2025 |
7.49% |
|
12/10/2025 |
7.49% |
|
12/09/2025 |
7.49% |
|
12/08/2025 |
7.49% |
|
12/07/2025 |
7.49% |
|
12/06/2025 |
7.49% |
|
12/05/2025 |
7.49% |
|
12/04/2025 |
7.49% |
|
12/03/2025 |
7.49% |
|
12/02/2025 |
7.49% |
|
12/01/2025 |
7.49% |
|
11/30/2025 |
7.49% |
|
11/29/2025 |
7.49% |
|
11/28/2025 |
7.49% |
|
11/27/2025 |
7.49% |
|
11/26/2025 |
7.49% |
|
11/25/2025 |
7.49% |
|
11/24/2025 |
7.49% |
|
11/23/2025 |
7.49% |
|
11/22/2025 |
7.49% |
|
11/21/2025 |
7.49% |
|
11/20/2025 |
7.49% |
|
11/19/2025 |
7.49% |
|
11/18/2025 |
7.49% |
|
11/17/2025 |
7.49% |
|
11/16/2025 |
7.49% |
|
11/15/2025 |
7.49% |
|
11/14/2025 |
7.49% |
|
11/13/2025 |
7.49% |
|
11/12/2025 |
7.49% |
|
11/11/2025 |
7.49% |
|
11/10/2025 |
7.49% |
|
11/09/2025 |
7.49% |
|
11/08/2025 |
7.49% |
|
11/07/2025 |
7.49% |
|
11/06/2025 |
7.49% |
|
11/05/2025 |
7.49% |
|
11/04/2025 |
7.49% |
|
11/03/2025 |
7.49% |
|
11/02/2025 |
7.49% |
|
11/01/2025 |
7.49% |
|
10/31/2025 |
7.49% |
|
10/30/2025 |
7.49% |
|
10/29/2025 |
7.49% |
|
10/28/2025 |
7.49% |
|
10/27/2025 |
7.49% |
|
10/26/2025 |
7.49% |
|
10/25/2025 |
7.49% |
|
10/24/2025 |
7.49% |
|
10/23/2025 |
7.49% |
|
10/22/2025 |
7.49% |
|
10/21/2025 |
7.99% |
|
10/20/2025 |
7.99% |
|
10/19/2025 |
7.99% |
|
10/18/2025 |
7.99% |
|
10/17/2025 |
7.99% |
|
10/16/2025 |
7.99% |