SANTA MONICA, Calif. -

Edmunds.com analyzed APR data for loans that went through franchised dealership F&I offices in January and found rates for used-vehicle financing moved up slightly month-over-month but dropped year-over-year.

Analysts pinpointed January's sequential rise at 0.08 percent while the year-over-year decrease registered at 0.24 percent.

Drilling deeper into the data by brand and vehicle segment, the most significant movements in January used-vehicle financing were associated with Jaguars and full-size vans.

Financing for used Jaguars represented the steepest drops in APR on both a month-over-month and year-over-year basis. The APR associated with this brand dropped sequentially by 1.59 percent in January. Looking back a year ago, the rate dipped by 1.48 percent.

A wide mix of badges constituted the largest APR drops in January:

Month-over-Month
Isuzu: Down 0.98 percent
Fiat: Down 0.69 percent
Saturn: Down 0.54 percent
Hummer: Down 0.46 percent

Year-over-Year
Land Rover: Down 0.69 percent
Mercedes-Benz: Down 0.63 percent
BMW: Down 0.52 percent
Jeep: Down 0.43 percent

Meanwhile, Saab nearly paced the industry for rising APR in January. Here is what Edmunds.com found:

Month-over-Month
Saab: Up 1.7 percent
Mitsubishi: Up 0.8 percent
Porsche: Up 0.8 percent
Scion: Up 0.4 percent
Mazda: Up 0.4 percent

Year-over-Year
Mercury: Up 0.98 percent
Saab: 0.98 percent
Fiat: 0.84 percent
Scion: 0.36 percent
Ram: 0.35 percent

As mentioned, financing for used full-size vans jumped the most in January, rising 0.86 percent sequentially and 0.49 percent on an annual basis. Four other segments registered notable month-over-month upticks, including:

Premium Luxury: Up 0.26 percent
Premium Sport: Up 0.24 percent
Standard Luxury: Up 0.23 percent
Mini SUV: Up 0.16 percent

On the new-vehicle side, Edmunds.com discovered the average APR in January originated at franchised dealerships ticked higher both month-over-month and year-over-year. The sequential rise totaled 0.17 percent while the January average represented just a 0.03 percent uptick from a year ago.

Mazda made the lists among the largest decreases in January while Chrysler and Volkswagen both appeared on the rundowns for the largest increases. Edmunds.com spotted the trends as follows:

Month-over-Month Decrease
Porsche: Down 0.10 percent
Fiat: Down 0.10 percent
Mazda: Down 0.08 percent
Lexus: Down 0.01 percent

Year-over-Year Decrease
Lincoln: Down 1.49 percent
Honda: Down 0.63 percent
Mazda: Down 0.53 percent
Acura: Down 0.50 percent
MINI: Down 0.40 percent

Month-over-Month Increase
Chrysler: Up 0.76 percent
Jaguar: Up 0.59 percent
Mitsubishi: Up 0.40 percent
Volkswagen: Up 0.37 percent
Jeep: Up 0.29 percent

Year-over-Year Increase
Dodge: Up 1.14 percent
Chrysler: Up 0.97 percent
Volkswagen: Up 0.90 percent
Kia: Up 0.78 percent
Jaguar: Up 0.78 percent

Looking at the new-vehicle data by segment, compact pickups and full-size vans appears on Edmunds.com's lists most often. Here is what analysts discovered:

Month-over-Month Decrease
Compact Pickup: Down 0.16 percent
Premium Sport: Down 0.06 percent
Standard Luxury: Down 0.06 percent

Year-over-Year Decrease
Mini SUV: Down 0.35 percent
Full-size Car: Down 0.29 percent
Premium Sport: Down 0.29 percent
Luxury SUV: Down 0.27 percent
Compact Pickup: Down 0.26 percent

Month-over-Month Increase
Standard Midsize Car: Up 0.49 percent
Full-size Van: Up 0.44 percent
Standard Compact: Up 0.22 percent
Mini SUV: Up 0.20 percent
Standard Sport: Up 0.19 percent

Year-over-Year Increase
Premium Compact: Up 0.58 percent
Full-size Van: Up 0.37 percent
Standard Compact: Up 0.21 percent
Premium Luxury: Up 0.15 percent
Midsize SUV: Up 0.09 percent

Finally, Edmunds.com uncovered new-vehicle APRs in January that changed the most by state. Here is the analyst rundown:

Month-over-Month Decrease
Nevada: Down 0.23 percent
Minnesota: Down 0.21 percent
Kentucky: Down 0.19 percent
Kansas: Down 0.15 percent
Delaware: Down 0.15 percent

Year-over-Year Decrease
Kentucky: Down 0.75 percent
Alaska: Down 0.74 percent
South Carolina: Down 0.56 percent
North Dakota: Down 0.45 percent
Alabama: Down 0.42 percent

Month-over-Month Increase
New Mexico: Up 0.85 percent
Iowa: Up 0.62 percent
South Dakota: 0.55 percent
West Virginia: 0.53 percent
Wyoming: 0.52 percent

Year-over-Year Increase
New Mexico: 2.19 percent
Vermont: 1.06 percent
South Dakota: 0.88 percent
Iowa: 0.60 percent
Idaho: 0.58 percent