is it just me or is my car too loud?

[sigsauer13]

new to the forum...so i have owned this 08 yaris base model for 1 year now. bought it last year and got a fantastic deal on it. only had 9k miles on it when i bought it last year. i've noticed now that over the last 4 oil changes it's become rather loud. it's louder than it used to be when i first bought it. especially with the a/c turned on. anything i can do to make it run a lil bit quieter? everything is stock. there isn't anything wrong with the cat. no leaks, nothing that i can see. no performance issues from the day i bought it. it's just louder