Compare New and Used Car Loan Rates in Perry, OK

Apply through myAutoloan and compare up to four Oklahoma lenders in minutes! We make it easy to find the best auto loan rate, whether you're purchasing from a nearby Perry dealership or refinancing an existing loan. Apply now and see today's lowest rates!

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Today's Interest Rates

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Your Estimated Rate

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Your Payment

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More Information

What Determines Your Auto Loan Rate in Perry, OK?

A handful of factors influence your Oklahoma auto loan rate, including your income, your credits core, the loan amount, the down payment, the age of the car, 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 Perry dealership could mean a higher interest rate. But why worry about a high interest rate? The higher your interest rate gets, 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 you spend hundreds more on interest.

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

Online tools like our Interest Rate Estimator will give you an idea of what your rate might look like before you begin applying for auto loans in Perry, OK. If you've plugged in your information and are unhappy with the percentage you see, how can you lower?

The loan term is one aspect you have a lot of control over. Most car loans in Perry have terms ranging from 24 months (2 years) to 84 months (7 years) in 12-month intervals. Many borrowers are drawn in by longer terms because they usually mean a lower monthly payment. However, a longer term also tends to come with a higher interest rate. If you can afford a bigger monthly payment, it's better 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 see what might be affordable.

If you have less than ideal credit, increasing your score could help lower your interest rate. Our Guide to Better Credit for Auto Financing walks you through what determines your 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 all worth it for getting those lower auto loan rates in Oklahoma.

Waiting to find the right lender can also help you snag 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 shop around and compare offers to find the best auto loan rate in Perry, OK — even without a high income or credit score. You shouldn't automatically choose the first offer you get because a better one could be right around the corner. Keep in mind some lenders leave room for negotiation, so you can take your offer from one lender to another to see if they're willing to give an even lower rate.

Use myAutoloan to Check the Best Auto Loan Rates in Perry, OK

myAutoloan wants to help you find the lowest auto loan rates in Perry, OK regardless of your credit score and the type of car you're buying. We'll present you with up to four loans at once so you can find the perfect loan. Fill out our simple and secure online application, pick the loan that works best for you, and visit your Perry dealer to purchase a new car. Don't wait to apply and check today's lowest interest rates!

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