Compare Current Auto Loan Rates in Riverside, CA

Apply through myAutoloan and compare up to four California lenders in minutes! We make it easy to find the best auto loan rate, whether you're purchasing from a nearby Riverside dealership or refinancing an existing loan. Apply now 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 Riverside, CA Auto Loan Rates Determined?

Many factors contribute to your California auto loan rate, including your credit score, the amount of the loan, your income, the age of the car, the down payment, and your loan's term (the length of the loan). A high debt-to-income ratio, poor credit score, or choosing an older vehicle at your Riverside dealership could lead to a higher interest rate. But why worry about a high interest rate? The higher your interest rate is, the more you pay each month and the more you spend over the term of your loan. A difference of just one or two percent could mean spending hundreds more on interest.

Can I Lower My Car Loan Rate in Riverside, CA?

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 Riverside, CA. If you've put in your information and aren't happy with the percentage you see, what can you do to lower it?

The loan term is one thing you have a lot of control over. Most Riverside auto loans have terms in 12-month intervals ranging from 24 months (2 years) to 84 months (7 years). Longer terms attract many borrowers because they typically have a lower monthly payment. However, longer terms also tend to come with higher interest rates. If you can afford a bigger monthly payment, it's wise to choose a shorter term. The Auto Payment Calculator shows what your monthly payment might be with different interest rates and terms to help you determine what you might be able to afford.

If your credit is less than stellar, boosting your score could help lower your interest rate. Our Guide to Better Credit for Auto Financing will help you understand what goes into a credit score and the steps you can take now to raise it quickly. Your credit score may take some more time and work, but it's worth it to get those lower California car loan rates.

Taking some time to find the right lender can also help you achieve a lower rate. While lenders take the same information into consideration, you'll likely receive a different interest rate from each one. You need to compare offers and shop around for the best auto loan rate in Riverside, CA — even without the best credit or income. You shouldn't go with the first offer you receive because a better one might be waiting just around the corner. Plus, some lenders leave room for negotiation, so you can take an offer from one lender to another to see if they're willing to beat the interest rate.

See the Best Auto Loan Rates in Riverside, CA with myAutoloan

myAutoloan is dedicated to helping you find the lowest car loan rates in Riverside, CA regardless of your credit score and the type of car you're buying. We'll show you up to four loans at once so you can find the perfect loan. Fill out our secure online application, choose the loan that looks best to you, and visit your Riverside dealer to purchase a new car. Apply today to see the current lowest interest rates!

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