AutoLoanRate.com tracks daily Used Car APRs across common loan terms to help you compare options and spot trends. This page summarizes current levels, how rates have moved, and practical steps you can take to land the best deal. A daily APR table by term is available further down for exact numbers by date.
As of 03/15/2026, the 36 month APR sits at 6.74%, the 60 month APR is 5.99%, the 72 month APR is 7.24%, and the 84 month APR is 7.39%. These figures reflect a shift from the mid- to high-6% range observed earlier in March and show longer terms carrying higher costs, as is typical in today’s rate environment.
Shorter terms (36 months) have generally been lower than longer terms, with 6.74% recently versus higher levels for the 72 and 84 month loans. Earlier in the period, 36-month rates hovered around 6.23% to 6.49%, while longer terms sat higher in the 6.7% to 7.5% range. The pattern is a steady “risk and duration” tradeoff: more time to repay means higher APR, though sometimes the gap narrows when markets stabilize. Recently, the trend shows a modest uptick for shorter terms into the mid-6% range, while the longer terms stay elevated near 7% or higher.
Looking back, late January through mid-February 2026 saw rates clustered in the mid-6% band for 36 months and the mid-to-high 6% area for longer terms. A surge in late February pushed some longer-term APRs toward the 7.3%–7.5% region, with 84-month loans approaching 7.5% and 72-month loans around 7.2%–7.5%. Since then, 36-month rates have drifted into the high-6% zone, while longer terms remain persistently higher. The takeaway: if you’re financing a used car, term length strongly shapes your total interest load, and recent moves suggest a calm but elevated rate climate for the near term.
Shop broadly and get prequalified to see real offers without dinging your credit; boost your credit score before applying, if possible; consider a shorter loan term when total interest is lower even if monthly payments rise; make a larger down payment to shrink the loan amount; compare offers from banks, credit unions, and captive lenders, and watch for fees and manufacturer incentives that can sweeten the deal; lock in a rate when you have a solid prequalification and a concrete purchase plan, rather than waiting for a “perfect” moment that may not arrive.
If inflation cools and expectations of future rate moves stay stable, we could see rates stabilize or ease modestly later in 2026. The pace and direction will depend on the broader economy, employment data, and consumer demand for autos. For used-car lending, ongoing supply dynamics and lender risk tolerance will also influence how aggressively rates move. Until momentum shifts decisively, expect a cautious stance: rates may hover with gradual drift, offering borrowers opportunities to shop around and lock in favorable terms when they occur.
The daily APR table below (for 36, 60, 72, and 84 month terms) provides exact numbers by date. Use it to see how small moves accumulate over weeks and months, compare lender offers, and time your application window to capture favorable pricing.
|
Date |
APR |
|
03/15/2026 |
6.74% |
|
03/14/2026 |
6.74% |
|
03/13/2026 |
6.74% |
|
03/12/2026 |
6.74% |
|
03/11/2026 |
6.74% |
|
03/10/2026 |
6.74% |
|
03/09/2026 |
6.74% |
|
03/08/2026 |
6.74% |
|
03/07/2026 |
6.74% |
|
03/06/2026 |
6.74% |
|
03/05/2026 |
6.74% |
|
03/04/2026 |
6.74% |
|
03/03/2026 |
6.74% |
|
03/02/2026 |
6.74% |
|
03/01/2026 |
6.74% |
|
02/28/2026 |
6.74% |
|
02/27/2026 |
6.74% |
|
02/26/2026 |
6.74% |
|
02/25/2026 |
6.74% |
|
02/24/2026 |
6.74% |
|
02/23/2026 |
6.23% |
|
02/22/2026 |
6.23% |
|
02/21/2026 |
6.23% |
|
02/20/2026 |
6.23% |
|
02/19/2026 |
6.23% |
|
02/18/2026 |
6.23% |
|
02/17/2026 |
6.23% |
|
02/16/2026 |
6.23% |
|
02/15/2026 |
6.23% |
|
02/14/2026 |
6.23% |
|
02/13/2026 |
6.23% |
|
02/12/2026 |
6.23% |
|
02/11/2026 |
6.23% |
|
02/10/2026 |
6.23% |
|
02/09/2026 |
6.23% |
|
02/08/2026 |
6.23% |
|
02/07/2026 |
6.23% |
|
02/06/2026 |
6.23% |
|
02/05/2026 |
6.23% |
|
02/04/2026 |
6.23% |
|
02/03/2026 |
6.23% |
|
02/02/2026 |
6.23% |
|
02/01/2026 |
6.23% |
|
01/31/2026 |
6.23% |
|
01/30/2026 |
6.23% |
|
01/29/2026 |
6.23% |
|
01/28/2026 |
6.23% |
|
01/27/2026 |
6.23% |
|
01/26/2026 |
6.49% |
|
01/25/2026 |
6.49% |
|
01/24/2026 |
6.49% |
|
01/23/2026 |
6.49% |
|
01/22/2026 |
6.49% |
|
01/21/2026 |
6.49% |
|
01/20/2026 |
6.49% |
|
01/19/2026 |
6.49% |
|
01/18/2026 |
6.49% |
|
01/17/2026 |
6.49% |
|
01/16/2026 |
6.49% |
|
01/15/2026 |
6.49% |
|
01/14/2026 |
6.49% |
|
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% |
|
Date |
APR |
|
03/15/2026 |
5.99% |
|
03/14/2026 |
5.99% |
|
03/13/2026 |
5.99% |
|
03/12/2026 |
5.99% |
|
03/11/2026 |
5.99% |
|
03/10/2026 |
5.99% |
|
03/09/2026 |
5.99% |
|
03/08/2026 |
5.99% |
|
03/07/2026 |
5.99% |
|
03/06/2026 |
5.99% |
|
03/05/2026 |
5.99% |
|
03/04/2026 |
5.99% |
|
03/03/2026 |
5.99% |
|
03/02/2026 |
5.99% |
|
03/01/2026 |
5.99% |
|
02/28/2026 |
5.99% |
|
02/27/2026 |
5.99% |
|
02/26/2026 |
5.99% |
|
02/25/2026 |
5.99% |
|
02/24/2026 |
5.99% |
|
02/23/2026 |
6.71% |
|
02/22/2026 |
6.71% |
|
02/21/2026 |
6.71% |
|
02/20/2026 |
6.71% |
|
02/19/2026 |
6.71% |
|
02/18/2026 |
6.71% |
|
02/17/2026 |
6.71% |
|
02/16/2026 |
6.71% |
|
02/15/2026 |
6.71% |
|
02/14/2026 |
6.71% |
|
02/13/2026 |
6.71% |
|
02/12/2026 |
6.71% |
|
02/11/2026 |
6.71% |
|
02/10/2026 |
6.71% |
|
02/09/2026 |
6.71% |
|
02/08/2026 |
6.71% |
|
02/07/2026 |
6.71% |
|
02/06/2026 |
6.71% |
|
02/05/2026 |
6.71% |
|
02/04/2026 |
6.71% |
|
02/03/2026 |
6.71% |
|
02/02/2026 |
6.71% |
|
02/01/2026 |
6.71% |
|
01/31/2026 |
6.71% |
|
01/30/2026 |
6.71% |
|
01/29/2026 |
6.71% |
|
01/28/2026 |
6.71% |
|
01/27/2026 |
6.71% |
|
01/26/2026 |
6.89% |
|
01/25/2026 |
6.89% |
|
01/24/2026 |
6.89% |
|
01/23/2026 |
6.89% |
|
01/22/2026 |
6.89% |
|
01/21/2026 |
6.89% |
|
01/20/2026 |
6.89% |
|
01/19/2026 |
6.89% |
|
01/18/2026 |
6.89% |
|
01/17/2026 |
6.89% |
|
01/16/2026 |
6.89% |
|
01/15/2026 |
6.89% |
|
01/14/2026 |
6.89% |
|
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% |
|
Date |
APR |
|
03/15/2026 |
7.24% |
|
03/14/2026 |
7.24% |
|
03/13/2026 |
7.24% |
|
03/12/2026 |
7.24% |
|
03/11/2026 |
7.24% |
|
03/10/2026 |
7.24% |
|
03/09/2026 |
7.24% |
|
03/08/2026 |
7.24% |
|
03/07/2026 |
7.24% |
|
03/06/2026 |
7.24% |
|
03/05/2026 |
7.24% |
|
03/04/2026 |
7.24% |
|
03/03/2026 |
7.24% |
|
03/02/2026 |
7.24% |
|
03/01/2026 |
7.24% |
|
02/28/2026 |
7.24% |
|
02/27/2026 |
7.24% |
|
02/26/2026 |
7.24% |
|
02/25/2026 |
7.24% |
|
02/24/2026 |
7.24% |
|
02/23/2026 |
6.99% |
|
02/22/2026 |
6.99% |
|
02/21/2026 |
6.99% |
|
02/20/2026 |
6.99% |
|
02/19/2026 |
6.99% |
|
02/18/2026 |
6.99% |
|
02/17/2026 |
6.99% |
|
02/16/2026 |
6.99% |
|
02/15/2026 |
6.99% |
|
02/14/2026 |
6.99% |
|
02/13/2026 |
6.99% |
|
02/12/2026 |
6.99% |
|
02/11/2026 |
6.99% |
|
02/10/2026 |
6.99% |
|
02/09/2026 |
6.99% |
|
02/08/2026 |
6.99% |
|
02/07/2026 |
6.99% |
|
02/06/2026 |
6.99% |
|
02/05/2026 |
6.99% |
|
02/04/2026 |
6.99% |
|
02/03/2026 |
6.99% |
|
02/02/2026 |
6.99% |
|
02/01/2026 |
6.99% |
|
01/31/2026 |
6.99% |
|
01/30/2026 |
6.99% |
|
01/29/2026 |
6.99% |
|
01/28/2026 |
6.99% |
|
01/27/2026 |
6.99% |
|
01/26/2026 |
6.99% |
|
01/25/2026 |
6.99% |
|
01/24/2026 |
6.99% |
|
01/23/2026 |
6.99% |
|
01/22/2026 |
6.99% |
|
01/21/2026 |
6.99% |
|
01/20/2026 |
6.99% |
|
01/19/2026 |
6.99% |
|
01/18/2026 |
6.99% |
|
01/17/2026 |
6.99% |
|
01/16/2026 |
6.99% |
|
01/15/2026 |
6.99% |
|
01/14/2026 |
6.99% |
|
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% |
|
Date |
APR |
|
03/15/2026 |
7.39% |
|
03/14/2026 |
7.39% |
|
03/13/2026 |
7.39% |
|
03/12/2026 |
7.39% |
|
03/11/2026 |
7.39% |
|
03/10/2026 |
7.39% |
|
03/09/2026 |
7.39% |
|
03/08/2026 |
7.39% |
|
03/07/2026 |
7.39% |
|
03/06/2026 |
7.39% |
|
03/05/2026 |
7.39% |
|
03/04/2026 |
7.39% |
|
03/03/2026 |
7.39% |
|
03/02/2026 |
7.39% |
|
03/01/2026 |
7.39% |
|
02/28/2026 |
7.39% |
|
02/27/2026 |
7.39% |
|
02/26/2026 |
7.39% |
|
02/25/2026 |
7.39% |
|
02/24/2026 |
7.39% |
|
02/23/2026 |
7.49% |
|
02/22/2026 |
7.49% |
|
02/21/2026 |
7.49% |
|
02/20/2026 |
7.49% |
|
02/19/2026 |
7.49% |
|
02/18/2026 |
7.49% |
|
02/17/2026 |
7.49% |
|
02/16/2026 |
7.49% |
|
02/15/2026 |
7.49% |
|
02/14/2026 |
7.49% |
|
02/13/2026 |
7.49% |
|
02/12/2026 |
7.49% |
|
02/11/2026 |
7.49% |
|
02/10/2026 |
7.49% |
|
02/09/2026 |
7.49% |
|
02/08/2026 |
7.49% |
|
02/07/2026 |
7.49% |
|
02/06/2026 |
7.49% |
|
02/05/2026 |
7.49% |
|
02/04/2026 |
7.49% |
|
02/03/2026 |
7.49% |
|
02/02/2026 |
7.49% |
|
02/01/2026 |
7.49% |
|
01/31/2026 |
7.49% |
|
01/30/2026 |
7.49% |
|
01/29/2026 |
7.49% |
|
01/28/2026 |
7.49% |
|
01/27/2026 |
7.49% |
|
01/26/2026 |
7.49% |
|
01/25/2026 |
7.49% |
|
01/24/2026 |
7.49% |
|
01/23/2026 |
7.49% |
|
01/22/2026 |
7.49% |
|
01/21/2026 |
7.49% |
|
01/20/2026 |
7.49% |
|
01/19/2026 |
7.49% |
|
01/18/2026 |
7.49% |
|
01/17/2026 |
7.49% |
|
01/16/2026 |
7.49% |
|
01/15/2026 |
7.49% |
|
01/14/2026 |
7.49% |
|
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% |