Compare New and Used Car Loan Rates in Fresno, CA

Compare up to four California lenders in minutes with myAutoloan! We want to help you find the best car loan rate for you, whether you're buying a car from a local Fresno dealership or hoping to refinance an existing loan. Apply and see today's lowest rates!

Three things to know…

Today's Interest Rates

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Your Estimated Rate

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Your Payment

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More Information

How Are Fresno, CA Auto Loan Rates Determined?

Several factors affect your California car loan rate, including your income, your credits core, the loan amount, the car's age, the down payment, and the length of the loan (your loan's term). A low credit score, high debt-to-income ratio, or purchasing an older vehicle from your Fresno dealer might lead to a higher interest rate. But what's so bad about a high interest rate? The higher your interest rate, the higher your monthly payment becomes and the more you spend over the life of your loan. Just one or two percent more could mean spending hundreds more on interest.

How Do I Lower My Auto Loan Rate in Fresno, CA?

You can use tools like our Interest Rate Estimator to get a feel for what your rate might look like before you complete an application for a car loan in Fresno, CA. If you've filled out your information and aren't liking the percentage you see, what can you do to lower it?

The loan term is one factor you can change on your own. Most Fresno auto loans have terms ranging from 24 months (2 years) to 84 months (7 years) in 12-month intervals. Many borrowers take longer terms because they usually mean a lower monthly payment. But longer terms tend to also come with higher interest rates. If your budget allows for a higher monthly payment, it's better to choose a shorter term. The Auto Payment Calculator shows what your monthly payments might look like with different interest rates and terms to help you determine what might work for your budget.

If your credit is less than stellar, improving your score could lower your interest rate. Our Guide to Better Credit for Auto Financing can help you understand where your credit score comes from and which steps you can take today to bring it up quickly. Your credit score will take some effort and time to build, but it's all worth it for getting those lower auto loan rates in California.

Waiting to find the right lender can also help you get a lower rate. While lenders will look at the same information, you'll likely receive a different interest rate from each one. Shopping around and comparing offers will help you find the best auto loan rate in Fresno, CA — even without a high income or credit score. You don't want to choose the first offer you get because a better one might be waiting just around the corner. And, some lenders will negotiate, so you can take your offer from one lender to another to see if they're willing to give an even lower rate.

Discover the Best Auto Loan Rates in Fresno, CA with myAutoloan

myAutoloan is committed to helping you find the lowest auto loan rates in Fresno, CA no matter what type of car you're buying or your credit score. You can see up to four loans at once so you can find the right deal. Fill out our secure online application, select the best loan for you, and visit your Fresno dealer to purchase a new car. Apply now to check today's lowest interest rates!

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