Compare Car Loan Rates in Murrieta, CA

With myAutoloan, you can compare up to four lenders in minutes! It's easy to find and compare the best auto loan rates in Murrieta, CA, whether you're buying a used or new vehicle or refinancing an existing loan. Apply now to see today's lowest rates!

Three things to know…

Today's Interest Rates

  • Check out today's lowest rates for all loan types.

  • SEE RATES

Your Estimated Rate

  • Check your rate in seconds. No credit check. Find out before you apply.

  • See Estimator

Your Payment

  • Now that you know your interest rate, see how much you could afford.

  • See Calculator

More Information

How Are Murrieta, CA Car Loan Rates Determined?

Many factors contribute to your California auto loan interest 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 Murrieta dealer might lead to a higher interest rate. But why is a high interest rate bad? The higher your interest rate, the higher your monthly bill is and the more you spend in total. Even a rate one or two percent higher could mean spending hundreds more on interest.

Is There a Way to Lower My Murrieta Car Loan Rate?

Online tools like our Interest Rate Estimator will give you a feel for what your rate could be before you begin applying for auto loans in Murrieta, CA. If you've supplied your information and don't like the percentage you see, what steps can you take to lower it?

The loan term is one factor you have a lot of control over. Most auto loans in Murrieta 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. However, longer terms also tend to come with higher interest rates. If you can afford a higher monthly payment, choosing a shorter term is a good move. The Auto Payment Calculator shows your possible monthly payment with different interest rates and terms to help you determine what you might be able to afford.

If your credit is less than stellar, raising your score could help lower your interest rate. Use our Guide to Better Credit for Auto Financing to better understand what determines your credit score and how you can quickly bring it up. Your credit score will take some effort and time to build, but it's worth it for those lower California auto loan rates.

Waiting to find the right lender can also help you snag a lower rate. While lenders will consider 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 Murrieta, CA — even if you don't have the highest income or best credit. You shouldn't automatically choose the first offer you get because a better one might be waiting just around the corner. Plus, some lenders will negotiate, so you can take an offer from one lender to another to see if they're willing to beat the interest rate.

Use myAutoloan to Check the Best Auto Loan Rates in Murrieta, CA

myAutoloan wants to help you find the lowest auto loan rates in Murrieta, CA no matter your credit score or the type of car you're buying. You can see up to four loans at once so you can find the best deal. Complete our secure online application, pick the loan that works best for you, and visit your Murrieta dealer to purchase a new car. Apply now to see today's lowest interest rates!

Vehicle loans to meet your needs…

Compare and save. Get up to 4 offers in minutes!

Our Customers Love Us: