Trends Report
Caribou Auto Refinance Trends Report
Unlocking Key Insights on Trends and Rates in the Auto Refinance Market
TABLE OF CONTENTS
National Auto Refinance Overview
Average monthly savings from refinancing pulled back in Feb 2026 after reaching a high in January. The Feb 2026 dip in average monthly savings appears to be more about who refinanced and into what loan structure than about rate deterioration. Even with refinance APRs edging lower, average savings fell from January’s peak, indicating that February’s refinances may have skewed toward loans with characteristics that yielded smaller monthly payment reductions, such as different balances or term configurations.
Data in this report is based on consumers whose auto refinance loan funded through Caribou between 3/1/25 and 2/28/26, had an existing loan on their credit report, and selected a loan offer to reduce their monthly payment.
Key Insights:
- Feb 2026’s drop in average monthly savings appears to be mix-driven rather than rate-driven, as savings fell from $164 to $157 even while average refi APR improved slightly and APR reduction widened.
- The average refi loan amount reached a new high in Feb 2026 at $34.6K, suggesting the month’s refinance activity may have skewed toward larger balances.
- Despite the February dip, the broader trend remained positive, with average monthly savings rising from $139 in Mar 2025 to $157 in Feb 2026 as refinance APRs declined over the year.
National Rates
Data updated monthly
| wdt_ID | wdt_created_by | wdt_created_at | wdt_last_edited_by | wdt_last_edited_at | Average Rates & Payments | Mar-25 | Apr-25 | May-25 | Jun-25 | Jul-25 | Aug-25 | Sep-25 | Oct-25 | Nov-25 | Dec-25 | Jan-26 | Feb-26 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 71 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:01 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:01 PM | Avg Refi Loan Amount | $32,992 | $33,332 | $32,272 | $31,900 | $32,767 | $32,781 | $33,773 | $34,213 | $34,081 | $34,211 | $34,054 | $34,589 |
| 72 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:01 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:01 PM | Avg Orig APR | 12.93% | 12.46% | 12.40% | 12.25% | 12.13% | 11.68% | 11.44% | 11.26% | 11.37% | 11.08% | 10.80% | 10.84% |
| 73 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:01 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:01 PM | Avg Refi APR | 8.10% | 8.04% | 7.98% | 7.87% | 7.86% | 7.70% | 7.62% | 7.49% | 7.51% | 7.27% | 7.08% | 7.02% |
| 74 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:01 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:01 PM | Avg APR Reduction | 4.83% | 4.42% | 4.42% | 4.38% | 4.28% | 3.98% | 3.82% | 3.77% | 3.86% | 3.81% | 3.72% | 3.82% |
| 75 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:01 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:01 PM | Orig Monthly Payment | $724 | $736 | $711 | $709 | $720 | $720 | $737 | $736 | $739 | $730 | $737 | $750 |
| 76 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:01 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:01 PM | New Monthly Payment | $585 | $590 | $567 | $560 | $574 | $568 | $581 | $578 | $577 | $572 | $572 | $592 |
| 77 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:01 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:01 PM | Avg Monthly Pmt Svgs | $139 | $146 | $143 | $149 | $146 | $151 | $157 | $158 | $162 | $158 | $164 | $157 |
Detailed Segment Breakdowns
Detailed segment breakdowns are presented, categorizing refinance trends by:
- Credit tier: Analyzing refinance metrics across different credit scores (Fair, Good, Very Good, Excellent).
- Loan term: Highlighting refinance patterns across different loan durations (60 months, 72 months, 84 months, etc).
- Body style: Providing insights into refinance activity for various vehicle body types such as Coupe, Hatchback, Pick-up Truck, Sedan, SUV, Van, and Wagon.
- Fuel type: Examining trends for vehicles powered by Diesel, Electric, Gasoline, Hybrid, and other fuels.
- Generation: Showing refinance patterns among different generations (Gen Z, Millennials, Gen X, and Baby Boomers).
Rates by Credit Tier
In February 2026, average monthly payment savings moderated from January across most credit tiers. Excellent credit (800+) remained among the strongest segments, but dropped from about $170 to roughly $151 per month, while Very Good (740–799) declined to about $155 and Good (670–739) slipped slightly to about$162. Fair credit (580–669) stood out as the only tier to improve month over month, rising to about $166 and leading all tiers in February. The pattern points to a more uneven savings environment after January’s rebound, even as refinance conditions stayed relatively favorable. You can also check out Today’s Rates to see what lenders are offering right now.
Review your credit band to see the average APR reduction and payment savings you could qualify for, then decide what fits your budget and goals.
Key Credit Tier Trends Over 12 Months
Fair Credit
(580 – 669)
Average APR reduction of ~6.61 percentage points, with $147 average monthly savings on ~$28.9k loans. With rates settling down and car values holding steady, lenders can price loans more fairly. That gives fair-credit drivers a better shot at lower refinance rates.
Good Credit
(670 – 739)
Average APR reduction of ~4.99 percentage points with $155 average monthly savings on ~$32.0k loans. As your credit improves, lenders update how they price your loan, so your refinance offer reflects your progress.
Very Good Credit
(740 – 799)
Average APR reduction of ~3.44 percentage points and $149 average monthly savings on ~$34.0k loans. Borrowers in this group tend to refinance for optimization: shorter terms, lower payments, or switching from a variable to a fixed loan rather than out of financial strain.
Excellent Credit
(800+)
Smaller average APR reductions of ~1.77 percentage points, but the highest average monthly savings of $161 due to larger loan amounts (~$37.8k), so even small rate moves meaningfully reduce interest.
| wdt_ID | wdt_created_by | wdt_created_at | wdt_last_edited_by | wdt_last_edited_at | Credit Tier | Value | Mar-25 | Apr-25 | May-25 | Jun-25 | Jul-25 | Aug-25 | Sep-25 | Oct-25 | Nov-25 | Dec-25 | Jan-26 | Feb-26 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 197 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:02 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:02 PM | Fair: 580-669 | Avg Refi Loan Amount | $29,595 | $29,823 | $28,298 | $26,032 | $29,750 | $28,415 | $31,075 | $29,122 | $29,733 | $28,810 | $29,099 | $27,571 |
| 198 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:02 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:02 PM | Avg Orig APR | 15.84% | 16.97% | 17.33% | 17.25% | 16.98% | 16.84% | 16.31% | 15.86% | 15.60% | 15.46% | 16.11% | 15.71% | |
| 199 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:02 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:02 PM | Avg Refi APR | 9.86% | 10.18% | 10.10% | 9.93% | 10.27% | 9.88% | 9.80% | 9.61% | 9.55% | 9.29% | 9.41% | 9.30% | |
| 200 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:02 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:02 PM | Avg APR Reduction | 5.98% | 6.80% | 7.23% | 7.31% | 6.71% | 6.96% | 6.51% | 6.25% | 6.04% | 6.16% | 6.71% | 6.41% | |
| 201 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:02 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:02 PM | Orig Monthly Payment | $682 | $706 | $680 | $642 | $705 | $668 | $722 | $685 | $711 | $677 | $696 | $677 | |
| 202 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:02 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:02 PM | New Monthly Payment | $552 | $566 | $536 | $500 | $561 | $530 | $573 | $522 | $548 | $526 | $539 | $510 | |
| 203 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:02 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:02 PM | Avg Monthly Pmt Svgs | $127 | $138 | $144 | $141 | $141 | $134 | $152 | $162 | $164 | $150 | $158 | $166 | |
| 204 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:02 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:02 PM | Good: 670-739 | Avg Refi Loan Amount | $31,971 | $32,738 | $31,188 | $31,370 | $32,079 | $31,570 | $32,010 | $32,641 | $31,719 | $32,680 | $31,850 | $33,072 |
| 205 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:02 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:02 PM | Avg Orig APR | 14.19% | 13.67% | 13.65% | 13.54% | 13.34% | 12.97% | 12.89% | 12.90% | 13.09% | 12.59% | 12.56% | 12.54% | |
| 206 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:02 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:02 PM | Avg Refi APR | 8.57% | 8.44% | 8.44% | 8.40% | 8.37% | 8.23% | 8.17% | 8.08% | 8.09% | 7.80% | 7.73% | 7.59% | |
| 207 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:02 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:02 PM | Avg APR Reduction | 5.63% | 5.23% | 5.21% | 5.14% | 4.97% | 4.74% | 4.73% | 4.82% | 5.00% | 4.79% | 4.83% | 4.95% | |
| 208 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:02 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:02 PM | Orig Monthly Payment | $714 | $732 | $695 | $713 | $716 | $704 | $712 | $728 | $712 | $721 | $715 | $733 | |
| 209 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:02 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:02 PM | New Monthly Payment | $572 | $583 | $549 | $556 | $565 | $554 | $557 | $564 | $553 | $558 | $550 | $571 | |
| 210 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:02 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:02 PM | Avg Monthly Pmt Svgs | $143 | $149 | $145 | $156 | $151 | $150 | $154 | $162 | $159 | $164 | $165 | $162 | |
| 211 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:02 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:02 PM | Very Good: 740-799 | Avg Refi Loan Amount | $33,455 | $33,283 | $33,070 | $32,067 | $33,306 | $33,476 | $34,240 | $35,345 | $35,182 | $34,947 | $34,908 | $34,960 |
| 212 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:02 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:02 PM | Avg Orig APR | 11.23% | 10.98% | 10.66% | 10.79% | 10.67% | 10.61% | 10.22% | 10.13% | 10.20% | 10.04% | 9.96% | 10.10% | |
| 213 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:02 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:02 PM | Avg Refi APR | 7.20% | 7.32% | 7.17% | 7.21% | 7.06% | 7.11% | 7.03% | 6.95% | 6.93% | 6.78% | 6.60% | 6.65% | |
| 214 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:02 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:02 PM | Avg APR Reduction | 4.03% | 3.67% | 3.49% | 3.58% | 3.60% | 3.51% | 3.19% | 3.18% | 3.27% | 3.26% | 3.36% | 3.44% | |
| 215 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:02 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:02 PM | Orig Monthly Payment | $716 | $723 | $714 | $693 | $710 | $720 | $727 | $732 | $730 | $722 | $732 | $738 | |
| 216 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:02 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:02 PM | New Monthly Payment | $582 | $579 | $573 | $552 | $569 | $568 | $575 | $582 | $574 | $571 | $570 | $583 | |
| 217 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:02 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:02 PM | Avg Monthly Pmt Svgs | $135 | $143 | $139 | $142 | $141 | $151 | $152 | $152 | $155 | $149 | $162 | $155 | |
| 218 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:02 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:02 PM | Excellent: 800+ | Avg Refi Loan Amount | $41,123 | $38,162 | $37,356 | $37,866 | $35,888 | $36,599 | $38,240 | $37,495 | $39,059 | $38,179 | $37,601 | $38,435 |
| 219 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:02 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:02 PM | Avg Orig APR | 8.98% | 8.42% | 8.24% | 8.44% | 8.48% | 8.12% | 8.22% | 8.00% | 8.00% | 8.17% | 7.99% | 8.08% | |
| 220 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:02 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:02 PM | Avg Refi APR | 6.77% | 6.76% | 6.62% | 6.51% | 6.47% | 6.54% | 6.51% | 6.42% | 6.45% | 6.27% | 6.21% | 6.13% | |
| 221 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:02 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:02 PM | Avg APR Reduction | 2.21% | 1.66% | 1.62% | 1.93% | 2.01% | 1.58% | 1.71% | 1.58% | 1.55% | 1.90% | 1.78% | 1.95% | |
| 222 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:02 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:02 PM | Orig Monthly Payment | $861 | $801 | $784 | $803 | $774 | $786 | $821 | $785 | $827 | $787 | $792 | $816 | |
| 223 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:02 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:02 PM | New Monthly Payment | $711 | $653 | $638 | $652 | $625 | $625 | $653 | $626 | $646 | $621 | $621 | $663 | |
| 224 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:02 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:02 PM | Avg Monthly Pmt Svgs | $148 | $151 | $145 | $150 | $149 | $161 | $173 | $158 | $180 | $167 | $170 | $151 |
Rates by Loan Term
February 2026 continued to be payment-driven: 84- and 72-month loans again delivered the biggest dollar savings (~$185 and ~$161 per month). The main shift vs. January was a cooling in mid-term loans—60-month savings eased to about $132 and 48-month loans dropped sharply to ~$98, the weakest segment for the month. One bright spot was 36-month loans, where savings improved to about $111 as rate dynamics stabilized for shorter terms. Overall, refi value remained centered on payment relief for longer-term borrowers, with the biggest dollar wins still tied to higher starting payments rather than materially larger APR reductions.
Key Loan Term Trends Over 12 Months:
36
months
A typical $16.5k refi with an average APR reduction of6.62% and an average savings of $119/mo keeps payments tight on shorter terms.
48
months
A typical $21.8k refi with an average APR reduction of 6.55% and an average savings of $108/mo offers steady savings with moderate balances.
60
months
A typical $29.3k refi with an average APR reduction of 5.02% and an average savings of $127/mo balances mid-size loans and solid reduction.
72
months
A typical $32.3k refi with an average APR reduction of 4.31% and an average savings of $151/mo drives strong monthly relief on larger loans.
84
months
A typical $39.5k refi with an average APR reduction of 2.74% and an average savings of $179/mo delivers the largest monthly savings due to higher balances.
| wdt_ID | wdt_created_by | wdt_created_at | wdt_last_edited_by | wdt_last_edited_at | Term | Value | Mar-25 | Apr-25 | May-25 | Jun-25 | Jul-25 | Aug-25 | Sep-25 | Oct-25 | Nov-25 | Dec-25 | Jan-26 | Feb-26 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 211 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | 36 months | Avg Refi Loan Amount | $13,767 | $14,893 | $14,901 | $13,010 | $15,751 | $16,892 | $21,537 | $17,405 | $17,383 | $16,812 | $16,306 | $16,853 |
| 212 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | Avg Orig APR | 17.30% | 15.68% | 15.66% | 18.07% | 15.95% | 14.82% | 10.77% | 12.11% | 13.27% | 13.28% | 14.15% | 13.13% | |
| 213 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | Avg Refi APR | 8.21% | 8.58% | 8.20% | 8.81% | 7.88% | 7.50% | 5.94% | 7.24% | 7.42% | 7.45% | 8.12% | 7.26% | |
| 214 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | Avg APR Reduction | 9.09% | 7.11% | 7.46% | 9.26% | 8.07% | 7.32% | 4.82% | 4.88% | 5.85% | 5.83% | 6.02% | 5.87% | |
| 215 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | Orig Monthly Payment | $510 | $549 | $630 | $514 | $613 | $603 | $732 | $680 | $681 | $636 | $599 | $621 | |
| 216 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | New Monthly Payment | $427 | $463 | $460 | $405 | $484 | $518 | $648 | $529 | $533 | $511 | $498 | $510 | |
| 217 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | Avg Monthly Pmt Svgs | $82 | $85 | $169 | $109 | $129 | $84 | $118 | $150 | $148 | $124 | $101 | $111 | |
| 218 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | 48 months | Avg Refi Loan Amount | $19,306 | $22,312 | $19,562 | $20,099 | $22,024 | $22,244 | $21,588 | $23,035 | $21,225 | $22,746 | $22,255 | $24,620 |
| 219 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | Avg Orig APR | 16.88% | 15.43% | 15.60% | 14.89% | 14.45% | 13.57% | 13.92% | 13.41% | 15.07% | 12.81% | 13.17% | 12.72% | |
| 220 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | Avg Refi APR | 8.62% | 8.19% | 8.28% | 8.24% | 7.73% | 7.33% | 7.49% | 7.14% | 7.73% | 7.44% | 7.25% | 7.07% | |
| 221 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | Avg APR Reduction | 8.26% | 7.23% | 7.32% | 6.64% | 6.72% | 6.25% | 6.43% | 6.27% | 7.34% | 5.37% | 5.93% | 5.66% | |
| 222 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | Orig Monthly Payment | $571 | $629 | $568 | $577 | $632 | $640 | $642 | $659 | $622 | $663 | $663 | $672 | |
| 223 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | New Monthly Payment | $468 | $538 | $476 | $484 | $530 | $531 | $515 | $547 | $508 | $540 | $526 | $577 | |
| 224 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | Avg Monthly Pmt Svgs | $103 | $94 | $91 | $91 | $102 | $109 | $126 | $111 | $114 | $123 | $139 | $98 | |
| 225 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | 60 months | Avg Refi Loan Amount | $30,093 | $29,382 | $28,684 | $28,408 | $30,300 | $29,687 | $30,956 | $28,024 | $28,813 | $27,412 | $29,243 | $30,595 |
| 226 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | Avg Orig APR | 13.04% | 12.79% | 13.04% | 12.78% | 12.51% | 12.42% | 12.18% | 12.64% | 12.18% | 12.19% | 11.35% | 11.07% | |
| 227 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | Avg Refi APR | 7.52% | 7.60% | 7.49% | 7.39% | 7.34% | 7.39% | 7.32% | 7.49% | 7.49% | 7.22% | 6.84% | 6.79% | |
| 228 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | Avg APR Reduction | 5.51% | 5.19% | 5.55% | 5.39% | 5.17% | 5.03% | 4.86% | 5.15% | 4.69% | 4.97% | 4.51% | 4.29% | |
| 229 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | Orig Monthly Payment | $697 | $698 | $674 | $689 | $712 | $716 | $736 | $687 | $710 | $677 | $714 | $721 | |
| 230 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | New Monthly Payment | $593 | $580 | $565 | $561 | $595 | $583 | $607 | $551 | $566 | $536 | $566 | $589 | |
| 231 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | Avg Monthly Pmt Svgs | $106 | $117 | $109 | $129 | $116 | $131 | $131 | $133 | $144 | $140 | $147 | $131 | |
| 232 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | 72 months | Avg Refi Loan Amount | $32,596 | $33,437 | $32,067 | $31,008 | $31,887 | $31,653 | $32,224 | $33,459 | $31,731 | $32,237 | $32,340 | $34,004 |
| 233 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | Avg Orig APR | 12.90% | 12.99% | 12.71% | 12.60% | 12.42% | 11.98% | 11.82% | 11.48% | 11.83% | 11.42% | 11.09% | 10.97% | |
| 234 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | Avg Refi APR | 8.13% | 8.13% | 8.03% | 7.94% | 7.95% | 7.73% | 7.67% | 7.51% | 7.63% | 7.45% | 7.27% | 7.08% | |
| 235 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | Avg APR Reduction | 4.77% | 4.86% | 4.68% | 4.66% | 4.47% | 4.26% | 4.15% | 3.96% | 4.19% | 3.97% | 3.82% | 3.89% | |
| 236 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | Orig Monthly Payment | $707 | $731 | $700 | $686 | $701 | $689 | $707 | $726 | $703 | $699 | $708 | $732 | |
| 237 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | New Monthly Payment | $566 | $581 | $555 | $538 | $553 | $544 | $553 | $572 | $544 | $550 | $547 | $571 | |
| 238 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | Avg Monthly Pmt Svgs | $140 | $149 | $144 | $148 | $147 | $145 | $154 | $156 | $160 | $151 | $161 | $160 | |
| 239 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | 84 months | Avg Refi Loan Amount | $40,697 | $40,335 | $39,072 | $39,140 | $38,534 | $37,962 | $39,088 | $38,901 | $40,662 | $40,217 | $40,040 | $40,809 |
| 240 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | Avg Orig APR | 11.71% | 10.59% | 10.83% | 10.67% | 10.89% | 10.49% | 10.40% | 10.27% | 10.18% | 10.03% | 9.79% | 9.94% | |
| 241 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | Avg Refi APR | 8.54% | 8.29% | 8.30% | 8.03% | 8.08% | 7.93% | 7.78% | 7.51% | 7.40% | 7.12% | 6.97% | 7.06% | |
| 242 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | Avg APR Reduction | 3.17% | 2.31% | 2.53% | 2.63% | 2.82% | 2.57% | 2.61% | 2.76% | 2.79% | 2.90% | 2.82% | 2.88% | |
| 243 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | Orig Monthly Payment | $823 | $815 | $793 | $791 | $772 | $768 | $782 | $771 | $800 | $786 | $789 | $805 | |
| 244 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | New Monthly Payment | $641 | $633 | $612 | $609 | $601 | $589 | $603 | $596 | $621 | $608 | $606 | $620 | |
| 245 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:06 PM | Avg Monthly Pmt Svgs | $181 | $182 | $181 | $181 | $171 | $178 | $179 | $174 | $179 | $177 | $182 | $184 |
Rates by Fuel Type
In February 2026, Diesel strengthened its lead in average monthly payment savings, climbing to $244/mo and further separating itself from the rest of the market. Electric lost some momentum after January’s surge, falling back to $206/mo, while Gasoline softened to $149/mo. The biggest shift came from Hybrid, which rebounded sharply to $149/mo and pulled even with Gasoline after trailing a month earlier. Overall, February tells a more uneven savings story: Diesel remains the clear anchor, EVs cooled, Gas edged lower, and Hybrid staged the strongest comeback.
Key Fuel Type Trends Over 12 Months
Diesel Vehicles
A typical $52.4k refi with average APR reduction of 3.01% and average savings of $228/month provides the largest dollar savings due to higher balances.
Electric Vehicles
A typical $36.6k refi with average APR reduction of 3.05% and average savings of $187/month delivers the lowest average post-refi APR and higher savings than Gasoline and Hybrid.
Gas Vehicles
A typical $32.3k refi with average APR reduction of 4.16% and average savings of $148/month shows a steady outcome in our 12-month data.
Hybrids
A typical $29.0k refi with average APR reduction of 4.39% and average savings of $141/month keeps payments lean on smaller balances.
| wdt_ID | wdt_created_by | wdt_created_at | wdt_last_edited_by | wdt_last_edited_at | Fuel Type | Value | Mar-25 | Apr-25 | May-25 | Jun-25 | Jul-25 | Aug-25 | Sep-25 | Oct-25 | Nov-25 | Dec-25 | Jan-26 | Feb-26 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 197 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:03 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:03 PM | Diesel | Avg Refi Loan Amount | $51,220 | $52,051 | $47,963 | $50,467 | $51,948 | $51,138 | $51,669 | $53,929 | $55,228 | $54,397 | $51,660 | $54,531 |
| 198 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:03 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:03 PM | Avg Orig APR | 11.73% | 11.14% | 11.02% | 10.90% | 10.59% | 10.54% | 9.63% | 9.63% | 10.68% | 10.12% | 9.79% | 10.09% | |
| 199 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:03 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:03 PM | Avg Refi APR | 7.85% | 7.97% | 8.22% | 7.83% | 7.65% | 7.43% | 7.27% | 7.03% | 7.32% | 7.15% | 6.87% | 6.90% | |
| 200 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:03 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:03 PM | Avg APR Reduction | 3.89% | 3.17% | 2.80% | 3.07% | 2.94% | 3.10% | 2.37% | 2.60% | 3.36% | 2.98% | 2.92% | 3.19% | |
| 201 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:03 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:03 PM | Orig Monthly Payment | $1,084 | $1,103 | $1,039 | $1,083 | $1,114 | $1,088 | $1,082 | $1,119 | $1,156 | $1,113 | $1,093 | $1,152 | |
| 202 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:03 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:03 PM | New Monthly Payment | $890 | $884 | $826 | $865 | $889 | $867 | $870 | $892 | $907 | $877 | $854 | $907 | |
| 203 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:03 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:03 PM | Avg Monthly Pmt Svgs | $194 | $225 | $213 | $218 | $227 | $220 | $218 | $226 | $248 | $236 | $237 | $244 | |
| 204 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:03 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:03 PM | Electric | Avg Refi Loan Amount | $36,731 | $38,490 | $36,510 | $36,736 | $34,740 | $33,789 | $36,418 | $38,206 | $38,160 | $37,618 | $37,442 | $35,972 |
| 205 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:03 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:03 PM | Avg Orig APR | 11.64% | 11.23% | 11.44% | 9.76% | 10.48% | 10.63% | 10.63% | 11.16% | 9.49% | 9.45% | 8.65% | 9.41% | |
| 206 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:03 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:03 PM | Avg Refi APR | 7.76% | 7.57% | 7.60% | 7.21% | 7.37% | 7.28% | 7.47% | 7.28% | 7.04% | 6.82% | 6.63% | 6.73% | |
| 207 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:03 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:03 PM | Avg APR Reduction | 3.88% | 3.66% | 3.85% | 2.55% | 3.10% | 3.35% | 3.16% | 3.87% | 2.45% | 2.62% | 2.02% | 2.69% | |
| 208 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:03 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:03 PM | Orig Monthly Payment | $822 | $838 | $800 | $811 | $776 | $772 | $807 | $832 | $837 | $817 | $851 | $829 | |
| 209 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:03 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:03 PM | New Monthly Payment | $649 | $667 | $621 | $633 | $608 | $585 | $626 | $644 | $637 | $635 | $624 | $622 | |
| 210 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:03 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:03 PM | Avg Monthly Pmt Svgs | $179 | $170 | $178 | $178 | $166 | $185 | $179 | $187 | $200 | $185 | $227 | $206 | |
| 211 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:03 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:03 PM | Gasoline | Avg Refi Loan Amount | $32,138 | $32,150 | $31,451 | $30,833 | $31,850 | $31,835 | $32,807 | $32,959 | $32,771 | $33,030 | $32,983 | $33,283 |
| 212 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:03 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:03 PM | Avg Orig APR | 13.04% | 12.56% | 12.50% | 12.44% | 12.30% | 11.79% | 11.56% | 11.37% | 11.52% | 11.20% | 10.95% | 10.96% | |
| 213 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:03 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:03 PM | Avg Refi APR | 8.13% | 8.06% | 7.99% | 7.91% | 7.90% | 7.74% | 7.64% | 7.53% | 7.55% | 7.30% | 7.12% | 7.05% | |
| 214 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:03 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:03 PM | Avg APR Reduction | 4.91% | 4.50% | 4.51% | 4.53% | 4.40% | 4.05% | 3.91% | 3.84% | 3.97% | 3.90% | 3.83% | 3.92% | |
| 215 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:03 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:03 PM | Orig Monthly Payment | $705 | $712 | $694 | $688 | $701 | $698 | $718 | $711 | $713 | $706 | $713 | $721 | |
| 216 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:03 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:03 PM | New Monthly Payment | $571 | $571 | $554 | $543 | $558 | $553 | $565 | $559 | $556 | $554 | $555 | $571 | |
| 217 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:03 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:03 PM | Avg Monthly Pmt Svgs | $134 | $141 | $139 | $144 | $141 | $145 | $153 | $153 | $156 | $153 | $157 | $149 | |
| 218 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:03 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:03 PM | Hybrid | Avg Refi Loan Amount | $23,696 | $35,026 | $29,744 | $29,086 | $27,895 | $28,522 | $28,002 | $30,873 | $27,786 | $29,630 | $27,264 | $32,882 |
| 219 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:03 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:03 PM | Avg Orig APR | 13.08% | 15.37% | 12.11% | 12.78% | 11.53% | 12.17% | 12.44% | 9.78% | 10.04% | 12.12% | 11.80% | 10.35% | |
| 220 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:03 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:03 PM | Avg Refi APR | 8.26% | 8.52% | 7.21% | 7.63% | 7.56% | 7.57% | 7.87% | 6.88% | 6.98% | 7.27% | 6.92% | 6.73% | |
| 221 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:03 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:03 PM | Avg APR Reduction | 4.81% | 6.86% | 4.90% | 5.14% | 3.97% | 4.60% | 4.57% | 2.90% | 3.06% | 4.85% | 4.89% | 3.62% | |
| 222 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:03 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:03 PM | Orig Monthly Payment | $604 | $791 | $625 | $632 | $636 | $686 | $596 | $656 | $583 | $647 | $580 | $666 | |
| 223 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:03 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:03 PM | New Monthly Payment | $434 | $602 | $519 | $509 | $501 | $476 | $485 | $505 | $483 | $495 | $451 | $517 | |
| 224 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:03 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:03 PM | Avg Monthly Pmt Svgs | $170 | $189 | $105 | $125 | $134 | $210 | $116 | $150 | $99 | $151 | $128 | $149 |
Rates by Body Style
In February 2026, the body-style story shifted from broad January strength to a more mixed and selective savings environment. Average refinance savings slipped back to about $158/mo, but the leaders stayed familiar: Coupes remained on top at roughly $182/mo, Vans kept climbing to about $176/mo, and Pick-up Trucks held firm near $177/mo. The softer spots were more noticeable in SUVs, which fell back to around $153/mo, while Sedans also eased modestly. At the other end, Hatchbacks stayed stuck near $118/mo, reinforcing the point that lower loan amounts can keep payment relief muted even when APR improvement is meaningful. With refinance rates still hovering in the high-6%/low-7% range and original loans largely in the 10%–13% range, February looked less like a rate story and more like a loan-balance and segment-mix story.
Key Body Style Trends Over 12 Months
Pick-up Trucks:
Saw average monthly savings of $174 and average APR reduction of 3.33%, with a typical loan amount of $40.6k, reflecting strong refinance trends.
Sedans
Saved on average $134/month with average APR reduction of 5.52%, and loan amounts ranged from $26.3k, delivering steady average savings.
Coupes
Saved on average $171/mo and average APR reduction of 4.60%, with a typical loan amount of $39.1k, supporting strong average savings.
Hatchbacks
Saved on average $111/mo with average APR reduction of5.72%, and loan amounts were $21.7k, aligning with budgeting goals.
SUVs
Averaged $151/mo in savings and average APR reduction of 3.62%, with loan amounts of $33.0k, aiding decisions on offers and estimated payments.
Vans
Saved on average $153/mo and average APR reduction of 3.47%, and loan amounts were $33.6k.
Wagons
Saved on average $121/mo and average APR reduction of 3.06%, and loan amounts were $24.9k.
| wdt_ID | wdt_created_by | wdt_created_at | wdt_last_edited_by | wdt_last_edited_at | Body Style | Value | Mar-25 | Apr-25 | May-25 | Jun-25 | Jul-25 | Aug-25 | Sep-25 | Oct-25 | Nov-25 | Dec-25 | Jan-26 | Feb-26 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 344 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Coupe | Avg Refi Loan Amount | $38,065 | $39,417 | $37,286 | $36,373 | $40,284 | $39,877 | $36,353 | $41,599 | $39,184 | $41,313 | $37,286 | $41,807 |
| 345 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Avg Orig APR | 13.65% | 12.71% | 12.90% | 12.37% | 12.31% | 12.49% | 12.22% | 11.72% | 12.11% | 11.53% | 11.96% | 11.26% | |
| 346 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Avg Refi APR | 7.77% | 8.01% | 7.79% | 7.80% | 7.91% | 8.02% | 7.63% | 7.66% | 7.56% | 7.25% | 7.35% | 6.91% | |
| 347 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Avg APR Reduction | 5.88% | 4.70% | 5.12% | 4.57% | 4.40% | 4.48% | 4.59% | 4.06% | 4.56% | 4.28% | 4.62% | 4.35% | |
| 348 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Orig Monthly Payment | $815 | $859 | $816 | $805 | $882 | $877 | $791 | $890 | $839 | $878 | $826 | $898 | |
| 349 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | New Monthly Payment | $682 | $690 | $660 | $646 | $715 | $695 | $630 | $711 | $669 | $691 | $634 | $716 | |
| 350 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Avg Monthly Pmt Svgs | $132 | $168 | $155 | $159 | $166 | $181 | $171 | $178 | $169 | $186 | $192 | $181 | |
| 351 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Hatchback | Avg Refi Loan Amount | $20,212 | $24,200 | $22,479 | $19,651 | $24,570 | $19,656 | $18,581 | $23,568 | $24,068 | $20,444 | $21,152 | $22,520 |
| 352 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Avg Orig APR | 14.33% | 15.47% | 14.56% | 15.32% | 13.28% | 13.24% | 13.66% | 11.18% | 12.19% | 14.63% | 12.83% | 12.42% | |
| 353 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Avg Refi APR | 8.00% | 8.78% | 8.39% | 8.14% | 8.01% | 7.83% | 8.04% | 7.59% | 7.30% | 7.48% | 7.12% | 7.03% | |
| 354 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Avg APR Reduction | 6.33% | 6.69% | 6.16% | 7.18% | 5.27% | 5.41% | 5.62% | 3.59% | 4.89% | 7.15% | 5.72% | 5.39% | |
| 355 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Orig Monthly Payment | $493 | $557 | $521 | $455 | $561 | $455 | $433 | $517 | $545 | $462 | $497 | $524 | |
| 356 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | New Monthly Payment | $379 | $449 | $402 | $354 | $440 | $361 | $342 | $399 | $420 | $357 | $380 | $407 | |
| 357 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Avg Monthly Pmt Svgs | $113 | $107 | $119 | $101 | $120 | $93 | $91 | $117 | $124 | $104 | $117 | $117 | |
| 358 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Pick-up Truck | Avg Refi Loan Amount | $38,752 | $40,088 | $38,692 | $39,482 | $40,741 | $40,293 | $39,530 | $41,845 | $42,586 | $41,433 | $41,251 | $42,386 |
| 359 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Avg Orig APR | 12.31% | 11.94% | 11.56% | 11.10% | 11.21% | 10.82% | 10.52% | 10.26% | 10.43% | 10.30% | 10.35% | 10.11% | |
| 360 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Avg Refi APR | 8.19% | 8.02% | 7.98% | 7.77% | 7.73% | 7.51% | 7.47% | 7.39% | 7.41% | 7.20% | 7.04% | 6.89% | |
| 361 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Avg APR Reduction | 4.12% | 3.92% | 3.58% | 3.33% | 3.48% | 3.31% | 3.05% | 2.87% | 3.02% | 3.10% | 3.32% | 3.22% | |
| 362 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Orig Monthly Payment | $830 | $865 | $833 | $852 | $868 | $861 | $848 | $871 | $892 | $868 | $863 | $885 | |
| 363 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | New Monthly Payment | $675 | $698 | $668 | $678 | $701 | $689 | $673 | $693 | $707 | $679 | $684 | $708 | |
| 364 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Avg Monthly Pmt Svgs | $154 | $168 | $163 | $174 | $168 | $172 | $176 | $178 | $186 | $188 | $178 | $177 | |
| 365 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Sedan | Avg Refi Loan Amount | $26,942 | $26,735 | $26,547 | $25,898 | $25,826 | $25,638 | $27,695 | $25,974 | $26,066 | $26,202 | $26,405 | $25,919 |
| 366 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Avg Orig APR | 14.28% | 14.23% | 14.09% | 14.00% | 14.04% | 13.26% | 13.35% | 12.78% | 13.22% | 12.85% | 12.53% | 12.67% | |
| 367 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Avg Refi APR | 8.32% | 8.23% | 8.24% | 8.18% | 8.18% | 8.01% | 7.97% | 7.67% | 7.82% | 7.56% | 7.47% | 7.45% | |
| 368 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Avg APR Reduction | 5.96% | 5.99% | 5.85% | 5.82% | 5.87% | 5.25% | 5.38% | 5.11% | 5.40% | 5.30% | 5.05% | 5.22% | |
| 369 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Orig Monthly Payment | $618 | $611 | $604 | $594 | $597 | $588 | $629 | $589 | $594 | $586 | $601 | $598 | |
| 370 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | New Monthly Payment | $489 | $485 | $478 | $464 | $465 | $457 | $488 | $453 | $454 | $452 | $458 | $458 | |
| 371 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Avg Monthly Pmt Svgs | $132 | $125 | $126 | $130 | $131 | $130 | $140 | $135 | $140 | $135 | $142 | $139 | |
| 372 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | SUV | Avg Refi Loan Amount | $33,488 | $32,675 | $31,963 | $31,284 | $32,336 | $32,243 | $33,953 | $33,510 | $32,955 | $33,792 | $33,598 | $34,014 |
| 373 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Avg Orig APR | 12.22% | 11.63% | 11.72% | 11.83% | 11.56% | 11.25% | 10.86% | 11.08% | 10.93% | 10.51% | 10.14% | 10.34% | |
| 374 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Avg Refi APR | 7.97% | 7.93% | 7.85% | 7.76% | 7.77% | 7.60% | 7.55% | 7.45% | 7.43% | 7.16% | 6.93% | 6.92% | |
| 375 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Avg APR Reduction | 4.25% | 3.70% | 3.87% | 4.07% | 3.79% | 3.65% | 3.32% | 3.63% | 3.50% | 3.34% | 3.21% | 3.42% | |
| 376 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Orig Monthly Payment | $728 | $723 | $703 | $697 | $706 | $705 | $735 | $722 | $718 | $716 | $725 | $736 | |
| 377 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | New Monthly Payment | $592 | $578 | $559 | $550 | $563 | $556 | $581 | $566 | $557 | $565 | $560 | $583 | |
| 378 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Avg Monthly Pmt Svgs | $137 | $144 | $143 | $147 | $143 | $148 | $155 | $156 | $160 | $152 | $164 | $152 | |
| 379 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Van | Avg Refi Loan Amount | $30,397 | $32,824 | $36,739 | $27,139 | $29,225 | $33,332 | $33,802 | $34,909 | $34,710 | $35,238 | $37,194 | $33,260 |
| 380 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Avg Orig APR | 13.83% | 12.15% | 11.27% | 10.10% | 9.25% | 10.37% | 11.02% | 9.81% | 10.75% | 11.01% | 10.34% | 9.95% | |
| 381 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Avg Refi APR | 7.97% | 8.03% | 7.66% | 7.45% | 6.74% | 7.81% | 6.89% | 7.05% | 7.05% | 7.03% | 6.68% | 6.73% | |
| 382 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Avg APR Reduction | 5.86% | 4.12% | 3.62% | 2.65% | 2.51% | 2.56% | 4.13% | 2.76% | 3.70% | 3.98% | 3.66% | 3.22% | |
| 383 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Orig Monthly Payment | $679 | $690 | $776 | $625 | $639 | $728 | $748 | $754 | $763 | $744 | $789 | $730 | |
| 384 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | New Monthly Payment | $548 | $550 | $644 | $462 | $505 | $570 | $595 | $588 | $606 | $604 | $617 | $554 | |
| 385 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Avg Monthly Pmt Svgs | $131 | $139 | $131 | $151 | $134 | $157 | $153 | $166 | $156 | $140 | $172 | $175 | |
| 386 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Wagon | Avg Refi Loan Amount | $28,047 | $24,346 | $31,824 | $25,343 | $23,244 | $25,932 | $27,528 | $22,739 | $21,396 | $23,266 | $25,686 | $22,509 |
| 387 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Avg Orig APR | 12.80% | 12.73% | 8.65% | 12.91% | 7.31% | 7.64% | 8.64% | 10.28% | 10.90% | 9.65% | 10.14% | 11.22% | |
| 388 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Avg Refi APR | 8.36% | 7.02% | 6.43% | 7.87% | 6.30% | 7.04% | 7.06% | 7.19% | 8.04% | 7.17% | 6.82% | 6.58% | |
| 389 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Avg APR Reduction | 4.45% | 5.71% | 2.23% | 5.04% | 1.01% | 0.60% | 1.58% | 3.09% | 2.86% | 2.48% | 3.32% | 4.65% | |
| 390 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Orig Monthly Payment | $638 | $544 | $626 | $594 | $576 | $635 | $576 | $543 | $522 | $548 | $558 | $521 | |
| 391 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | New Monthly Payment | $512 | $414 | $557 | $465 | $455 | $415 | $469 | $414 | $419 | $425 | $425 | $421 | |
| 392 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Avg Monthly Pmt Svgs | $125 | $130 | $69 | $128 | $121 | $203 | $107 | $128 | $102 | $123 | $132 | $99 |
Rates by Generation
In February 2026, the generational savings story lost some of January’s momentum. Millennials remained the clear leader at $173/mo, holding at a 12-month high, while Gen X and Gen Z both pulled back despite slightly better refinance rates. Baby Boomers were mostly steady at $138/mo, reinforcing a pattern where lower balances and narrower rate spreads continue to cap savings for older and younger cohorts alike. Even with refi APRs edging down in February, the month showed that rate improvement alone wasn’t enough to lift savings across every generation.
No matter which generation you’re in, refinancing can help you reduce your rate and keep more money in your pocket each month.
Key Generational Trends Over 12 Months
Gen Z
Gen Z borrowers averaged a 5.29% APR reduction and saved about $137 per month on average loans of about $29.6k, likely because they started with higher initial APRs and refinanced early.
Millennials
Millennials averaged a 3.72% APR reduction and saved the most among generational groups at about $163 per month on average loans of about $34.6k, driven by larger balances and strong eligibility for competitive refinance rates.
Generation X
Gen X averaged a 3.52% APR reduction, saved about $158 per month, and had the largest average loans at about $35.6k, reflecting higher balances that produce solid dollar savings even when rate drops are moderate.
Baby Boomers
Baby Boomers averaged a 3.30% APR reduction and saved about $135 per month on average loans of about $33.1k, consistent with smaller balances and a focus on steady payment relief before retirement.
| wdt_ID | wdt_created_by | wdt_created_at | wdt_last_edited_by | wdt_last_edited_at | Generation | Value | Mar-25 | Apr-25 | May-25 | Jun-25 | Jul-25 | Aug-25 | Sep-25 | Oct-25 | Nov-25 | Dec-25 | Jan-26 | Feb-26 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 197 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Gen Z (1995-2012) | Avg Refi Loan Amount | $28,880 | $29,116 | $28,753 | $29,504 | $29,292 | $29,257 | $29,718 | $30,357 | $30,613 | $30,024 | $29,965 | $30,406 |
| 198 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Avg Orig APR | 14.09% | 13.67% | 13.71% | 13.70% | 13.54% | 13.15% | 12.74% | 12.79% | 12.84% | 12.36% | 12.41% | 12.25% | |
| 199 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Avg Refi APR | 8.18% | 8.11% | 8.08% | 7.97% | 8.06% | 7.87% | 7.80% | 7.71% | 7.60% | 7.49% | 7.42% | 7.28% | |
| 200 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Avg APR Reduction | 5.92% | 5.56% | 5.63% | 5.74% | 5.49% | 5.28% | 4.94% | 5.08% | 5.24% | 4.87% | 4.99% | 4.97% | |
| 201 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Orig Monthly Payment | $645 | $653 | $647 | $664 | $657 | $650 | $662 | $661 | $674 | $652 | $667 | $667 | |
| 202 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | New Monthly Payment | $524 | $523 | $518 | $525 | $522 | $516 | $520 | $522 | $529 | $510 | $516 | $527 | |
| 203 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Avg Monthly Pmt Svgs | $121 | $130 | $129 | $138 | $134 | $134 | $141 | $138 | $145 | $142 | $151 | $140 | |
| 204 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Millennials (1980-1994) | Avg Refi Loan Amount | $34,785 | $35,669 | $32,939 | $32,405 | $34,163 | $33,567 | $34,653 | $34,888 | $35,832 | $35,532 | $35,447 | $36,184 |
| 205 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Avg Orig APR | 12.53% | 12.20% | 11.95% | 11.97% | 11.66% | 11.03% | 11.07% | 11.06% | 11.03% | 10.75% | 10.22% | 10.42% | |
| 206 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Avg Refi APR | 8.02% | 8.01% | 7.97% | 7.85% | 7.74% | 7.60% | 7.58% | 7.51% | 7.53% | 7.19% | 6.92% | 6.90% | |
| 207 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Avg APR Reduction | 4.51% | 4.19% | 3.97% | 4.12% | 3.92% | 3.42% | 3.50% | 3.55% | 3.49% | 3.56% | 3.30% | 3.52% | |
| 208 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Orig Monthly Payment | $761 | $783 | $725 | $726 | $756 | $738 | $755 | $755 | $774 | $762 | $765 | $788 | |
| 209 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | New Monthly Payment | $611 | $628 | $575 | $569 | $595 | $578 | $593 | $587 | $604 | $593 | $591 | $615 | |
| 210 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Avg Monthly Pmt Svgs | $151 | $156 | $149 | $156 | $160 | $159 | $164 | $167 | $171 | $170 | $173 | $173 | |
| 211 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Gen X (1965-1979) | Avg Refi Loan Amount | $35,103 | $34,173 | $35,366 | $34,484 | $34,548 | $35,445 | $36,383 | $36,703 | $34,557 | $36,682 | $36,794 | $36,932 |
| 212 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Avg Orig APR | 12.76% | 11.75% | 11.73% | 11.23% | 11.42% | 11.38% | 10.91% | 10.54% | 10.97% | 10.44% | 10.40% | 10.34% | |
| 213 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Avg Refi APR | 8.19% | 8.04% | 7.88% | 7.82% | 7.88% | 7.72% | 7.57% | 7.35% | 7.45% | 7.25% | 7.05% | 6.99% | |
| 214 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Avg APR Reduction | 4.57% | 3.70% | 3.84% | 3.41% | 3.54% | 3.66% | 3.34% | 3.19% | 3.52% | 3.19% | 3.35% | 3.35% | |
| 215 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Orig Monthly Payment | $759 | $751 | $767 | $746 | $738 | $768 | $790 | $784 | $752 | $776 | $783 | $790 | |
| 216 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | New Monthly Payment | $619 | $602 | $615 | $595 | $597 | $610 | $626 | $619 | $581 | $609 | $612 | $632 | |
| 217 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Avg Monthly Pmt Svgs | $141 | $149 | $152 | $151 | $140 | $157 | $166 | $167 | $170 | $166 | $171 | $157 | |
| 218 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Baby Boomers (1946-1964) | Avg Refi Loan Amount | $33,138 | $31,871 | $31,292 | $29,409 | $33,551 | $31,785 | $35,745 | $35,244 | $34,583 | $33,405 | $31,684 | $33,804 |
| 219 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Avg Orig APR | 11.22% | 11.62% | 12.48% | 11.40% | 11.31% | 11.43% | 10.40% | 9.79% | 9.98% | 10.62% | 10.11% | 9.76% | |
| 220 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Avg Refi APR | 7.94% | 7.95% | 7.92% | 7.76% | 7.68% | 7.68% | 7.39% | 7.11% | 7.34% | 7.03% | 7.04% | 6.90% | |
| 221 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Avg APR Reduction | 3.28% | 3.67% | 4.56% | 3.65% | 3.62% | 3.74% | 3.02% | 2.68% | 2.65% | 3.59% | 3.06% | 2.86% | |
| 222 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Orig Monthly Payment | $723 | $702 | $670 | $655 | $712 | $699 | $740 | $726 | $723 | $680 | $676 | $716 | |
| 223 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | New Monthly Payment | $588 | $560 | $545 | $521 | $587 | $555 | $603 | $586 | $578 | $552 | $537 | $578 | |
| 224 | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | saad.waheed.ctr@gocaribou.com | 09/03/2026 04:04 PM | Avg Monthly Pmt Svgs | $132 | $137 | $123 | $131 | $123 | $141 | $142 | $140 | $145 | $128 | $139 | $138 |
