Compare Interest Rates for Car Loans in Simi Valley, 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 Simi Valley dealership or hoping to refinance an existing loan. Apply and see today's lowest rates!

Three things to know…

Today's Interest Rates

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

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Your Estimated Rate

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Your Payment

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

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More Information

How Are Simi Valley, CA Auto Loan Rates Determined?

Several factors affect your California car loan rate, including your income, your credits core, the loan amount, the age of the car, the down payment, and your loan's term (the length of the loan). A poor credit score, low income, or buying an older vehicle from a dealer in Simi Valley could mean a higher interest rate. But why worry about a high interest rate? The higher your interest rate, the higher your monthly payment is and the more you spend in total. A difference of one or two percent might not seem like much, but it could mean spending hundreds more overall.

Can I Lower My Car Loan Rate in Simi Valley, CA?

Using tools like our Interest Rate Estimator can help you get an idea of what your rate might be before having to apply for a car loan in Simi Valley, CA. If you've filled out your information and aren't liking the percentage you see, what steps can you take to lower it?

The loan term is one factor you have total control over. Most auto loans in Simi Valley have terms in 12-month increments between 24 months (2 years) and 84 months (7 years). Longer terms will tempt many borrowers because they usually mean a lower monthly payment. But longer terms tend to also come with higher interest rates. If you can handle a higher monthly payment, it's wise to choose a shorter term. The Auto Payment Calculator shows your possible monthly payment with different terms and interest rates to help you determine what you can afford.

If you have less than stellar credit, boosting your score could lower your interest rate. Our Guide to Better Credit for Auto Financing will help you understand what goes into a credit score and which steps you can take today to bring it up quickly. It may take some effort and time to increase your credit score, 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 snag a lower rate. While lenders will use the same information, each one might give you a different interest rate. You need to compare offers and shop around for the best auto loan rate in Simi Valley, 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. And, 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.

Find the Best Auto Loan Rates in Simi Valley, CA with myAutoloan

myAutoloan is dedicated to helping you find the lowest car loan rates in Simi Valley, CA regardless of what type of vehicle you're buying or your credit score. We'll present you with up to four loans at once so you can find the best deal. Fill out our simple and secure online application, choose the loan that looks best to you, and head down to a dealer in Simi Valley to purchase a new ride. Apply now to see today's lowest interest rates!

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