AutoLoanRate.com tracks daily Used Car loan rates across common terms. The latest snapshot shows a stable, low-variance environment for short to mid terms, with a small uptick appearing in October 2025 for longer terms. This steadiness helps buyers compare offers without worrying about dramatic day-to-day swings.
36 Month Loan Term: The APR has held steady at 6.74% through the recent period, making this term the most stable banner rate in our daily feed. If your budget favors predictable payments, this is the baseline to watch as you shop.
60 Month Loan Term: The 60-month APR was 7.24% earlier in October and rose to 7.49% starting around October 7, 2025, continuing through mid-October. Longer terms tend to be more sensitive to shifts in market pricing and risk, which is reflected here.
72 Month Loan Term: The 72-month rate sat at 7.39% and stepped up to 7.64% in early October 2025. This uptick mirrors the same market forces nudging longer terms higher, while still remaining below typical 84-month levels.
84 Month Loan Term: The 84-month APR moved from 7.99% to 8.24% around October 7–15, 2025. Extended terms show the most noticeable lift in the current window, consistent with investors pricing longer repayment horizons higher amid slower inflation relief.
Across terms, the short end (36 months) remains the most favorable and least volatile, while longer terms have nudged higher in October. If you’re eyeing a used-car purchase, a shorter term can save you interest in the long run, provided monthly payments fit your budget. If you need lower monthly payments, a longer term may be tempting, but factor in the higher total interest over the life of the loan.
Daily rate tracking can help you time your financing. A rate that ticks up by a few tenths of a percentage point might not sound like much, but it can add hundreds to thousands of dollars in total interest over the life of the loan. When you’re ready to buy, a quick prequalification can give you a concrete rate and terms to compare against dealer offers.
The data show a historically stable baseline for 36-month loans with 6.74% being a persistent anchor. Longer terms have shown gradual upward drift in the recent window, with 60-, 72-, and 84-month APRs trending higher as October 2025 began. This pattern aligns with broader borrowing costs adjusting to inflation dynamics and policy signals, even as overall consumer rates hover near moderate highs for the year.
1) Get prequalified to lock in a rate you can compare against dealer quotes. A prequalification often yields a clear, personal APR rather than a general teaser rate.
2) Match term to your budget. A shorter term saves interest but requires higher monthly payments; a longer term eases payments but costs more over time.
3) Consider total cost, not just monthly payment. Compare APR plus any fees, and look at total interest paid over the life of the loan.
4) Watch for incentives. Factory rebates or special financing can sometimes outpace slight rate differences between lenders.
5) If rates rise, don’t panic. Lock when you’re comfortable with the payment and terms. If rates later drop, you can explore refinancing options to lower total interest.
Market watchers expect rates to respond to inflation data and Federal Reserve guidance. If inflation cools and the Fed signals containment or cuts in coming quarters, we could see gradual relief in auto loan APRs, particularly for shorter terms. If inflation remains persistent, longer terms may stay elevated, with modest volatility as lenders price risk over time. AutoLoanRate.com will keep flagging daily shifts so you can time your financing with the pulse of the market.
|
Date |
APR |
|
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 |
6.74% |
|
10/01/2025 |
6.74% |
|
09/30/2025 |
6.74% |
|
09/29/2025 |
6.74% |
|
09/28/2025 |
6.74% |
|
09/27/2025 |
6.74% |
|
09/26/2025 |
6.74% |
|
09/25/2025 |
6.74% |
|
09/24/2025 |
6.74% |
|
09/23/2025 |
6.74% |
|
09/22/2025 |
6.74% |
|
09/21/2025 |
6.74% |
|
09/20/2025 |
6.74% |
|
09/19/2025 |
6.74% |
|
09/18/2025 |
6.74% |
|
09/17/2025 |
6.74% |
|
09/16/2025 |
6.74% |
|
09/15/2025 |
6.74% |
|
09/14/2025 |
6.74% |
|
09/13/2025 |
6.74% |
|
09/12/2025 |
6.74% |
|
09/11/2025 |
6.74% |
|
09/10/2025 |
6.74% |
|
09/09/2025 |
6.74% |
|
09/08/2025 |
6.74% |
|
09/07/2025 |
6.74% |
|
09/06/2025 |
6.74% |
|
09/05/2025 |
6.74% |
|
09/04/2025 |
6.74% |
|
09/03/2025 |
6.74% |
|
09/02/2025 |
6.74% |
|
09/01/2025 |
6.74% |
|
08/31/2025 |
6.74% |
|
08/30/2025 |
6.74% |
|
08/29/2025 |
6.74% |
|
08/28/2025 |
6.74% |
|
08/27/2025 |
6.74% |
|
08/26/2025 |
6.74% |
|
08/25/2025 |
6.74% |
|
08/24/2025 |
6.74% |
|
08/23/2025 |
6.74% |
|
08/22/2025 |
6.74% |
|
08/21/2025 |
6.74% |
|
08/20/2025 |
6.74% |
|
08/19/2025 |
6.74% |
|
08/18/2025 |
6.74% |
|
08/17/2025 |
6.74% |
|
08/16/2025 |
6.74% |
|
08/15/2025 |
6.74% |
|
08/14/2025 |
6.74% |
|
08/13/2025 |
6.74% |
|
08/12/2025 |
6.74% |
|
08/11/2025 |
6.74% |
|
08/10/2025 |
6.74% |
|
08/09/2025 |
6.74% |
|
08/08/2025 |
6.74% |
|
08/07/2025 |
6.74% |
|
08/06/2025 |
6.74% |
|
08/05/2025 |
6.74% |
|
08/04/2025 |
6.74% |
|
08/03/2025 |
6.74% |
|
08/02/2025 |
6.74% |
|
08/01/2025 |
6.74% |
|
07/31/2025 |
6.74% |
|
07/30/2025 |
6.74% |
|
07/29/2025 |
6.74% |
|
07/28/2025 |
6.74% |
|
07/27/2025 |
6.74% |
|
07/26/2025 |
6.74% |
|
07/25/2025 |
6.74% |
|
07/24/2025 |
6.74% |
|
07/23/2025 |
6.74% |
|
07/22/2025 |
6.74% |
|
07/21/2025 |
6.74% |
|
07/20/2025 |
6.74% |
|
07/19/2025 |
6.74% |
|
07/18/2025 |
6.74% |
|
Date |
APR |
|
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 |
7.49% |
|
10/06/2025 |
7.49% |
|
10/05/2025 |
7.49% |
|
10/04/2025 |
7.49% |
|
10/03/2025 |
7.49% |
|
10/02/2025 |
7.49% |
|
10/01/2025 |
7.49% |
|
09/30/2025 |
7.49% |
|
09/29/2025 |
7.49% |
|
09/28/2025 |
7.49% |
|
09/27/2025 |
7.49% |
|
09/26/2025 |
7.49% |
|
09/25/2025 |
7.49% |
|
09/24/2025 |
7.49% |
|
09/23/2025 |
7.49% |
|
09/22/2025 |
7.49% |
|
09/21/2025 |
7.49% |
|
09/20/2025 |
7.49% |
|
09/19/2025 |
7.49% |
|
09/18/2025 |
7.49% |
|
09/17/2025 |
7.49% |
|
09/16/2025 |
7.49% |
|
09/15/2025 |
7.49% |
|
09/14/2025 |
7.49% |
|
09/13/2025 |
7.49% |
|
09/12/2025 |
7.49% |
|
09/11/2025 |
7.49% |
|
09/10/2025 |
7.49% |
|
09/09/2025 |
7.49% |
|
09/08/2025 |
7.49% |
|
09/07/2025 |
7.49% |
|
09/06/2025 |
7.49% |
|
09/05/2025 |
7.49% |
|
09/04/2025 |
7.49% |
|
09/03/2025 |
7.49% |
|
09/02/2025 |
7.49% |
|
09/01/2025 |
7.49% |
|
08/31/2025 |
7.49% |
|
08/30/2025 |
7.49% |
|
08/29/2025 |
7.49% |
|
08/28/2025 |
7.49% |
|
08/27/2025 |
7.49% |
|
08/26/2025 |
7.49% |
|
08/25/2025 |
7.49% |
|
08/24/2025 |
7.49% |
|
08/23/2025 |
7.49% |
|
08/22/2025 |
7.49% |
|
08/21/2025 |
7.49% |
|
08/20/2025 |
7.49% |
|
08/19/2025 |
7.49% |
|
08/18/2025 |
7.49% |
|
08/17/2025 |
7.49% |
|
08/16/2025 |
7.49% |
|
08/15/2025 |
7.49% |
|
08/14/2025 |
7.49% |
|
08/13/2025 |
7.49% |
|
08/12/2025 |
7.49% |
|
08/11/2025 |
7.49% |
|
08/10/2025 |
7.49% |
|
08/09/2025 |
7.49% |
|
08/08/2025 |
7.49% |
|
08/07/2025 |
7.49% |
|
08/06/2025 |
7.49% |
|
08/05/2025 |
7.49% |
|
08/04/2025 |
7.49% |
|
08/03/2025 |
7.49% |
|
08/02/2025 |
7.49% |
|
08/01/2025 |
7.49% |
|
07/31/2025 |
7.49% |
|
07/30/2025 |
7.49% |
|
07/29/2025 |
7.49% |
|
07/28/2025 |
7.49% |
|
07/27/2025 |
7.49% |
|
07/26/2025 |
7.49% |
|
07/25/2025 |
7.49% |
|
07/24/2025 |
7.49% |
|
07/23/2025 |
7.49% |
|
07/22/2025 |
7.49% |
|
07/21/2025 |
7.49% |
|
07/20/2025 |
7.49% |
|
07/19/2025 |
7.49% |
|
07/18/2025 |
7.49% |
|
Date |
APR |
|
10/15/2025 |
7.39% |
|
10/14/2025 |
7.39% |
|
10/13/2025 |
7.39% |
|
10/12/2025 |
7.39% |
|
10/11/2025 |
7.39% |
|
10/10/2025 |
7.39% |
|
10/09/2025 |
7.39% |
|
10/08/2025 |
7.39% |
|
10/07/2025 |
7.64% |
|
10/06/2025 |
7.64% |
|
10/05/2025 |
7.64% |
|
10/04/2025 |
7.64% |
|
10/03/2025 |
7.64% |
|
10/02/2025 |
7.64% |
|
10/01/2025 |
7.64% |
|
09/30/2025 |
7.64% |
|
09/29/2025 |
7.64% |
|
09/28/2025 |
7.64% |
|
09/27/2025 |
7.64% |
|
09/26/2025 |
7.64% |
|
09/25/2025 |
7.64% |
|
09/24/2025 |
7.64% |
|
09/23/2025 |
7.64% |
|
09/22/2025 |
7.64% |
|
09/21/2025 |
7.64% |
|
09/20/2025 |
7.64% |
|
09/19/2025 |
7.64% |
|
09/18/2025 |
7.64% |
|
09/17/2025 |
7.64% |
|
09/16/2025 |
7.64% |
|
09/15/2025 |
7.64% |
|
09/14/2025 |
7.64% |
|
09/13/2025 |
7.64% |
|
09/12/2025 |
7.64% |
|
09/11/2025 |
7.64% |
|
09/10/2025 |
7.64% |
|
09/09/2025 |
7.64% |
|
09/08/2025 |
7.64% |
|
09/07/2025 |
7.64% |
|
09/06/2025 |
7.64% |
|
09/05/2025 |
7.64% |
|
09/04/2025 |
7.64% |
|
09/03/2025 |
7.64% |
|
09/02/2025 |
7.64% |
|
09/01/2025 |
7.64% |
|
08/31/2025 |
7.64% |
|
08/30/2025 |
7.64% |
|
08/29/2025 |
7.64% |
|
08/28/2025 |
7.64% |
|
08/27/2025 |
7.64% |
|
08/26/2025 |
7.64% |
|
08/25/2025 |
7.64% |
|
08/24/2025 |
7.64% |
|
08/23/2025 |
7.64% |
|
08/22/2025 |
7.64% |
|
08/21/2025 |
7.64% |
|
08/20/2025 |
7.64% |
|
08/19/2025 |
7.64% |
|
08/18/2025 |
7.64% |
|
08/17/2025 |
7.64% |
|
08/16/2025 |
7.64% |
|
08/15/2025 |
7.64% |
|
08/14/2025 |
7.64% |
|
08/13/2025 |
7.64% |
|
08/12/2025 |
7.64% |
|
08/11/2025 |
7.64% |
|
08/10/2025 |
7.64% |
|
08/09/2025 |
7.64% |
|
08/08/2025 |
7.64% |
|
08/07/2025 |
7.64% |
|
08/06/2025 |
7.64% |
|
08/05/2025 |
7.64% |
|
08/04/2025 |
7.64% |
|
08/03/2025 |
7.64% |
|
08/02/2025 |
7.64% |
|
08/01/2025 |
7.64% |
|
07/31/2025 |
7.64% |
|
07/30/2025 |
7.64% |
|
07/29/2025 |
7.64% |
|
07/28/2025 |
7.64% |
|
07/27/2025 |
7.64% |
|
07/26/2025 |
7.64% |
|
07/25/2025 |
7.64% |
|
07/24/2025 |
7.64% |
|
07/23/2025 |
7.64% |
|
07/22/2025 |
7.64% |
|
07/21/2025 |
7.64% |
|
07/20/2025 |
7.64% |
|
07/19/2025 |
7.64% |
|
07/18/2025 |
7.64% |
|
Date |
APR |
|
10/15/2025 |
7.99% |
|
10/14/2025 |
7.99% |
|
10/13/2025 |
7.99% |
|
10/12/2025 |
7.99% |
|
10/11/2025 |
7.99% |
|
10/10/2025 |
7.99% |
|
10/09/2025 |
7.99% |
|
10/08/2025 |
7.99% |
|
10/07/2025 |
8.24% |
|
10/06/2025 |
8.24% |
|
10/05/2025 |
8.24% |
|
10/04/2025 |
8.24% |
|
10/03/2025 |
8.24% |
|
10/02/2025 |
8.24% |
|
10/01/2025 |
8.24% |
|
09/30/2025 |
8.24% |
|
09/29/2025 |
8.24% |
|
09/28/2025 |
8.24% |
|
09/27/2025 |
8.24% |
|
09/26/2025 |
8.24% |
|
09/25/2025 |
8.24% |
|
09/24/2025 |
8.24% |
|
09/23/2025 |
8.24% |
|
09/22/2025 |
8.24% |
|
09/21/2025 |
8.24% |
|
09/20/2025 |
8.24% |
|
09/19/2025 |
8.24% |
|
09/18/2025 |
8.24% |
|
09/17/2025 |
8.24% |
|
09/16/2025 |
8.24% |
|
09/15/2025 |
8.24% |
|
09/14/2025 |
8.24% |
|
09/13/2025 |
8.24% |
|
09/12/2025 |
8.24% |
|
09/11/2025 |
8.24% |
|
09/10/2025 |
8.24% |
|
09/09/2025 |
8.24% |
|
09/08/2025 |
8.24% |
|
09/07/2025 |
8.24% |
|
09/06/2025 |
8.24% |
|
09/05/2025 |
8.24% |
|
09/04/2025 |
8.24% |
|
09/03/2025 |
8.24% |
|
09/02/2025 |
8.24% |
|
09/01/2025 |
8.24% |
|
08/31/2025 |
8.24% |
|
08/30/2025 |
8.24% |
|
08/29/2025 |
8.24% |
|
08/28/2025 |
8.24% |
|
08/27/2025 |
8.24% |
|
08/26/2025 |
8.24% |
|
08/25/2025 |
8.24% |
|
08/24/2025 |
8.24% |
|
08/23/2025 |
8.24% |
|
08/22/2025 |
8.24% |
|
08/21/2025 |
8.24% |
|
08/20/2025 |
8.24% |
|
08/19/2025 |
8.24% |
|
08/18/2025 |
8.24% |
|
08/17/2025 |
8.24% |
|
08/16/2025 |
8.24% |
|
08/15/2025 |
8.24% |
|
08/14/2025 |
8.24% |
|
08/13/2025 |
8.24% |
|
08/12/2025 |
8.24% |
|
08/11/2025 |
8.24% |
|
08/10/2025 |
8.24% |
|
08/09/2025 |
8.24% |
|
08/08/2025 |
8.24% |
|
08/07/2025 |
8.24% |
|
08/06/2025 |
8.24% |
|
08/05/2025 |
8.24% |
|
08/04/2025 |
8.24% |
|
08/03/2025 |
8.24% |
|
08/02/2025 |
8.24% |
|
08/01/2025 |
8.24% |
|
07/31/2025 |
8.24% |
|
07/30/2025 |
8.24% |
|
07/29/2025 |
8.24% |
|
07/28/2025 |
8.24% |
|
07/27/2025 |
8.24% |
|
07/26/2025 |
8.24% |
|
07/25/2025 |
8.24% |
|
07/24/2025 |
8.24% |
|
07/23/2025 |
8.24% |
|
07/22/2025 |
8.24% |
|
07/21/2025 |
8.24% |
|
07/20/2025 |
8.24% |
|
07/19/2025 |
8.24% |
|
07/18/2025 |
8.24% |