Current auto loan rates in Waterbury, Connecticut include FD Community Federal Credit UnionFD Community Federal Credit Union601 Watertown Ave, Waterbury, CT, 06708A+5.0 ★Texas Ratio: 5.52% offering Auto Loan - New, Unregistered at 3.99%, Skyline Financial Federal Credit UnionSkyline Financial Federal Credit Union3528 E Main St, Waterbury, CT, 06705A5.0 ★Texas Ratio: 13.60% offering New Auto at 4.00%, WATERBURY POSTAL EMPLOYEESWATERBURY POSTAL EMPLOYEES135 Grand St Rm 209, WATERBURY, CT, 06702 9992A+5.0 ★Texas Ratio: 3.88% offering New & Used Vehicle Loan - NEW VEHICLES - 2 Years at 4.25%, Thomaston Savings BankThomaston Savings Bank985 Watertown Ave, Waterbury, CT, 06708A5.0 ★Texas Ratio: 6.58% offering New Auto Loan - Fixed Rate at 4.99%, Torrington Municipal & Teachers Federal Credit UnionTorrington Municipal & Teachers Federal Credit UnionA+5.0 ★Texas Ratio: 1.24% offering New Vehicles Loan at 3.25%. Auto loan rates as of June 23, 2026 according to verified data from MonitorBankRates.
Waterbury has 4 local institutions in our database, with auto loan rates as low as 3.99% APR from FD Community Federal Credit Union at 601 Watertown Ave, Waterbury, CT, 06708. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Waterbury, Connecticut. Auto Loan Rates Last Updated and Verified: June 23, 2026
100% financing available for new and used auto, truck and motorcycle purchases.
100% financing available for new and used auto, truck and motorcycle purchases.
APRs range from 4.99% - 10.99% depending on your creditworthiness and the repayment term. Loan repayment terms range from 12 months to 72 months. A new automobile refers to a vehicles less than two years old.
100% financing available for new and used auto, truck and motorcycle purchases.
100% financing available for new and used auto, truck and motorcycle purchases.
100% financing available for new and used auto, truck and motorcycle purchases.
APRs range from 4.99% - 10.99% depending on your creditworthiness and the repayment term. Loan repayment terms range from 12 months to 72 months. A new automobile refers to a vehicles less than two years old.
100% financing available for new and used auto, truck and motorcycle purchases.
100% financing available for new and used auto, truck and motorcycle purchases.
100% financing available for new and used auto, truck and motorcycle purchases.
APRs range from 4.99% - 10.99% depending on your creditworthiness and the repayment term. Loan repayment terms range from 12 months to 72 months. A new automobile refers to a vehicles less than two years old.
100% financing available for new and used auto, truck and motorcycle purchases.
100% financing available for new and used auto, truck and motorcycle purchases.
APRs range from 4.99% - 10.99% depending on your creditworthiness and the repayment term. Loan repayment terms range from 12 months to 72 months. A new automobile refers to a vehicles less than two years old.
APRs range from 6.49% - 12.49% depending on your creditworthiness and the repayment term. Loan repayment terms range from 12 months to 72 months. Qualifying used automobiles refer to vehicles three to 10 years old.
APRs range from 6.49% - 12.49% depending on your creditworthiness and the repayment term. Loan repayment terms range from 12 months to 72 months. Qualifying used automobiles refer to vehicles three to 10 years old.
Max Term is 60 Months on Used 2018 and Older.
APRs range from 6.49% - 12.49% depending on your creditworthiness and the repayment term. Loan repayment terms range from 12 months to 72 months. Qualifying used automobiles refer to vehicles three to 10 years old.
As low as; New Vehicles
As Low As; Vehicles 2025 or newer, up to 72 month term - new cars only.
As Low As; will finance 100% up to 84 months
As Low As; (2025 - 2026)
APR as low as
As low as; New Vehicles
w/auto pay
As Low As; (2025 - 2026)
APR as low as
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available.
Model Years 2023 - 2026; 100% Financing
As Low As; (2025 - 2026)
APR as low as
As Low As; Includes a .25% discount for maintaining a checking account with direct deposit and automatic loan payment.
As low as; Used Vehicles
As low as; CALL THE CREDIT UNION FOR RATE AND TERM INFO
As low as; New Vehicles
Rates as low as
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available.
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available. Used auto loan rates are for model years 2019 or newer. Maximum mileage for used auto loan rate is 125,000 miles. Over 125,000 miles will default to the classic auto loan rate and terms.
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available. Used auto loan rates are for model years 2019 or newer. Maximum mileage for used auto loan rate is 125,000 miles. Over 125,000 miles will default to the classic auto loan rate and terms.
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available. Used auto loan rates are for model years 2019 or newer. Maximum mileage for used auto loan rate is 125,000 miles. Over 125,000 miles will default to the classic auto loan rate and terms.
As Low As; (2025 to 2027 Model Years)
As Low As; (2025 - 2026)
APR as low as
As Low As; Includes a .25% discount for maintaining a checking account with direct deposit and automatic loan payment.
As low as; *Rate discount may apply.
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available.
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available. Used auto loan rates are for model years 2019 or newer. Maximum mileage for used auto loan rate is 125,000 miles. Over 125,000 miles will default to the classic auto loan rate and terms.
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available. Used auto loan rates are for model years 2019 or newer. Maximum mileage for used auto loan rate is 125,000 miles. Over 125,000 miles will default to the classic auto loan rate and terms.
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available. Used auto loan rates are for model years 2019 or newer. Maximum mileage for used auto loan rate is 125,000 miles. Over 125,000 miles will default to the classic auto loan rate and terms.
As Low As; Repayment Term per Thousand: $43.77
As Low As; Repayment Term per Thousand: $29.87
As Low As; Repayment Term per Thousand: $22.92
As low as; New Vehicles
Note 1
As Low As; Vehicle model years 2022 to 2026
As low as; Used Vehicles
As Low As; Credit Score 720+
As Low As; Credit Score 720+
As low as; Used Vehicles
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available. Used auto loan rates are for model years 2019 or newer. Maximum mileage for used auto loan rate is 125,000 miles. Over 125,000 miles will default to the classic auto loan rate and terms.
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available. Used auto loan rates are for model years 2019 or newer. Maximum mileage for used auto loan rate is 125,000 miles. Over 125,000 miles will default to the classic auto loan rate and terms.
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available. Used auto loan rates are for model years 2019 or newer. Maximum mileage for used auto loan rate is 125,000 miles. Over 125,000 miles will default to the classic auto loan rate and terms.
As Low As; (2025 to 2027 Model Years)
As Low As
As Low As; Repayment Term per Thousand: $18.88
As Low As; Includes a .25% discount for maintaining a checking account with direct deposit and automatic loan payment.
90% Financing
Fair Isaac: 730+
Fair Isaac: 730+; Rate: A+
Credit Score: 730 plus, Credit Tier: A Plus
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available.
Model Years 2023 - 2026; 100% Financing
As Low As
As Low As; Repayment Term per Thousand: $16.23
90% Financing
Fair Isaac: 730+
Fair Isaac: 680-729; Rate: A
Fair Isaac: 730+; Rate: A+
As Low As; 60 monthly payments of $19.10 per $1,000 borrowed
As Low As; 60 monthly payments of $19.10 per $1,000 borrowed
Credit Score: 680-729, Credit Tier: A
Credit Score: 730 plus, Credit Tier: A Plus
As low as; Used Vehicles
As Low As; Vehicle model years 2017 to 2021
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available. Used auto loan rates are for model years 2019 or newer. Maximum mileage for used auto loan rate is 125,000 miles. Over 125,000 miles will default to the classic auto loan rate and terms.
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available. Used auto loan rates are for model years 2019 or newer. Maximum mileage for used auto loan rate is 125,000 miles. Over 125,000 miles will default to the classic auto loan rate and terms.
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available. Used auto loan rates are for model years 2019 or newer. Maximum mileage for used auto loan rate is 125,000 miles. Over 125,000 miles will default to the classic auto loan rate and terms.
As Low As; (2025 to 2027 Model Years)
As Low As; Repayment Term per Thousand: $14.37
90% Financing
Fair Isaac: 730+
Fair Isaac: 730+; Rate: A+
Model Years 2023 - 2026; 100% Financing
As Low As; 72 monthly payments of $16.81 per $1,000 borrowed
As Low As; 72 monthly payments of $16.81 per $1,000 borrowed
Credit Score: 730 plus, Credit Tier: A Plus
As low as; Used Vehicles
90% Financing
Fair Isaac: 730+
Fair Isaac: 680-729; Rate: A
Fair Isaac: 730+; Rate: A+
Rates as low as 5.75%
Model Years 2023 - 2026; 100% Financing
Credit Score: 680-729, Credit Tier: A
Credit Score: 730 plus, Credit Tier: A Plus
As low as
As Low As; Credit Score 680 - 719
As Low As; Credit Score 680 - 719
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available. Used auto loan rates are for model years 2019 or newer. Maximum mileage for used auto loan rate is 125,000 miles. Over 125,000 miles will default to the classic auto loan rate and terms.
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available. Used auto loan rates are for model years 2019 or newer. Maximum mileage for used auto loan rate is 125,000 miles. Over 125,000 miles will default to the classic auto loan rate and terms.
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available. Used auto loan rates are for model years 2019 or newer. Maximum mileage for used auto loan rate is 125,000 miles. Over 125,000 miles will default to the classic auto loan rate and terms.
As Low As
Fair Isaac: 680-729
Fair Isaac: 640-679; Rate: B
Fair Isaac: 680-729; Rate: A
Model Years 2021 - 2022; 100% Financing
Credit Score: 640-679, Credit Tier: B
Credit Score: 680-729, Credit Tier: A
As Low As; Includes a .25% discount for maintaining a checking account with direct deposit and automatic loan payment.
Fair Isaac: 680-729
Fair Isaac: 640-679; Rate: B
Fair Isaac: 680-729; Rate: A
Credit Score: 640-679, Credit Tier: B
Credit Score: 680-729, Credit Tier: A
Fair Isaac: 640-679
Fair Isaac: 600-639; Rate: C
Fair Isaac: 640-679; Rate: B
Model Years 2021 - 2022; 100% Financing
100% financing available for new and used auto, truck and motorcycle purchases.
100% financing available for new and used auto, truck and motorcycle purchases.
APRs range from 4.99% - 10.99% depending on your creditworthiness and the repayment term. Loan repayment terms range from 12 months to 72 months. A new automobile refers to a vehicles less than two years old.
100% financing available for new and used auto, truck and motorcycle purchases.
100% financing available for new and used auto, truck and motorcycle purchases.
100% financing available for new and used auto, truck and motorcycle purchases.
APRs range from 4.99% - 10.99% depending on your creditworthiness and the repayment term. Loan repayment terms range from 12 months to 72 months. A new automobile refers to a vehicles less than two years old.
100% financing available for new and used auto, truck and motorcycle purchases.
100% financing available for new and used auto, truck and motorcycle purchases.
100% financing available for new and used auto, truck and motorcycle purchases.
APRs range from 4.99% - 10.99% depending on your creditworthiness and the repayment term. Loan repayment terms range from 12 months to 72 months. A new automobile refers to a vehicles less than two years old.
100% financing available for new and used auto, truck and motorcycle purchases.
100% financing available for new and used auto, truck and motorcycle purchases.
APRs range from 4.99% - 10.99% depending on your creditworthiness and the repayment term. Loan repayment terms range from 12 months to 72 months. A new automobile refers to a vehicles less than two years old.
As low as; New Vehicles
As Low As; Vehicles 2025 or newer, up to 72 month term - new cars only.
As Low As; will finance 100% up to 84 months
As Low As; (2025 - 2026)
APR as low as
As low as; New Vehicles
As Low As; (2025 - 2026)
APR as low as
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available.
As Low As; (2025 - 2026)
APR as low as
As low as; CALL THE CREDIT UNION FOR RATE AND TERM INFO
As low as; New Vehicles
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available.
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available. Used auto loan rates are for model years 2019 or newer. Maximum mileage for used auto loan rate is 125,000 miles. Over 125,000 miles will default to the classic auto loan rate and terms.
As Low As; (2025 to 2027 Model Years)
As Low As; (2025 - 2026)
APR as low as
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available.
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available. Used auto loan rates are for model years 2019 or newer. Maximum mileage for used auto loan rate is 125,000 miles. Over 125,000 miles will default to the classic auto loan rate and terms.
As Low As; Repayment Term per Thousand: $43.77
As Low As; Repayment Term per Thousand: $29.87
As Low As; Repayment Term per Thousand: $22.92
As low as; New Vehicles
As Low As; Vehicle model years 2022 to 2026
As Low As; Credit Score 720+
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available. Used auto loan rates are for model years 2019 or newer. Maximum mileage for used auto loan rate is 125,000 miles. Over 125,000 miles will default to the classic auto loan rate and terms.
As Low As; (2025 to 2027 Model Years)
As Low As; Repayment Term per Thousand: $18.88
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available.
As Low As; Repayment Term per Thousand: $16.23
As Low As; 60 monthly payments of $19.10 per $1,000 borrowed
As Low As; 60 monthly payments of $19.10 per $1,000 borrowed
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available. Used auto loan rates are for model years 2019 or newer. Maximum mileage for used auto loan rate is 125,000 miles. Over 125,000 miles will default to the classic auto loan rate and terms.
As Low As; (2025 to 2027 Model Years)
As Low As; Repayment Term per Thousand: $14.37
Rates as low as 5.75%
As low as
As Low As; Credit Score 680 - 719
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available. Used auto loan rates are for model years 2019 or newer. Maximum mileage for used auto loan rate is 125,000 miles. Over 125,000 miles will default to the classic auto loan rate and terms.
100% financing available for new and used auto, truck and motorcycle purchases.
100% financing available for new and used auto, truck and motorcycle purchases.
100% financing available for new and used auto, truck and motorcycle purchases.
100% financing available for new and used auto, truck and motorcycle purchases.
100% financing available for new and used auto, truck and motorcycle purchases.
100% financing available for new and used auto, truck and motorcycle purchases.
100% financing available for new and used auto, truck and motorcycle purchases.
100% financing available for new and used auto, truck and motorcycle purchases.
100% financing available for new and used auto, truck and motorcycle purchases.
100% financing available for new and used auto, truck and motorcycle purchases.
APRs range from 6.49% - 12.49% depending on your creditworthiness and the repayment term. Loan repayment terms range from 12 months to 72 months. Qualifying used automobiles refer to vehicles three to 10 years old.
APRs range from 6.49% - 12.49% depending on your creditworthiness and the repayment term. Loan repayment terms range from 12 months to 72 months. Qualifying used automobiles refer to vehicles three to 10 years old.
Max Term is 60 Months on Used 2018 and Older.
APRs range from 6.49% - 12.49% depending on your creditworthiness and the repayment term. Loan repayment terms range from 12 months to 72 months. Qualifying used automobiles refer to vehicles three to 10 years old.
As low as; Used Vehicles
As low as; CALL THE CREDIT UNION FOR RATE AND TERM INFO
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available. Used auto loan rates are for model years 2019 or newer. Maximum mileage for used auto loan rate is 125,000 miles. Over 125,000 miles will default to the classic auto loan rate and terms.
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available. Used auto loan rates are for model years 2019 or newer. Maximum mileage for used auto loan rate is 125,000 miles. Over 125,000 miles will default to the classic auto loan rate and terms.
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available. Used auto loan rates are for model years 2019 or newer. Maximum mileage for used auto loan rate is 125,000 miles. Over 125,000 miles will default to the classic auto loan rate and terms.
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available. Used auto loan rates are for model years 2019 or newer. Maximum mileage for used auto loan rate is 125,000 miles. Over 125,000 miles will default to the classic auto loan rate and terms.
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available. Used auto loan rates are for model years 2019 or newer. Maximum mileage for used auto loan rate is 125,000 miles. Over 125,000 miles will default to the classic auto loan rate and terms.
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available. Used auto loan rates are for model years 2019 or newer. Maximum mileage for used auto loan rate is 125,000 miles. Over 125,000 miles will default to the classic auto loan rate and terms.
As Low As; Repayment Term per Thousand: $43.77
As Low As; Repayment Term per Thousand: $29.87
As Low As; Repayment Term per Thousand: $22.92
Note 1
As low as; Used Vehicles
As Low As; Credit Score 720+
As low as; Used Vehicles
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available. Used auto loan rates are for model years 2019 or newer. Maximum mileage for used auto loan rate is 125,000 miles. Over 125,000 miles will default to the classic auto loan rate and terms.
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available. Used auto loan rates are for model years 2019 or newer. Maximum mileage for used auto loan rate is 125,000 miles. Over 125,000 miles will default to the classic auto loan rate and terms.
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available. Used auto loan rates are for model years 2019 or newer. Maximum mileage for used auto loan rate is 125,000 miles. Over 125,000 miles will default to the classic auto loan rate and terms.
As Low As
As Low As; Repayment Term per Thousand: $18.88
90% Financing
As Low As
As Low As; Repayment Term per Thousand: $16.23
90% Financing
As low as; Used Vehicles
As Low As; Vehicle model years 2017 to 2021
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available. Used auto loan rates are for model years 2019 or newer. Maximum mileage for used auto loan rate is 125,000 miles. Over 125,000 miles will default to the classic auto loan rate and terms.
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available. Used auto loan rates are for model years 2019 or newer. Maximum mileage for used auto loan rate is 125,000 miles. Over 125,000 miles will default to the classic auto loan rate and terms.
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available. Used auto loan rates are for model years 2019 or newer. Maximum mileage for used auto loan rate is 125,000 miles. Over 125,000 miles will default to the classic auto loan rate and terms.
As Low As; Repayment Term per Thousand: $14.37
90% Financing
As Low As; 72 monthly payments of $16.81 per $1,000 borrowed
As Low As; 72 monthly payments of $16.81 per $1,000 borrowed
As low as; Used Vehicles
90% Financing
As low as
As Low As; Credit Score 680 - 719
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available. Used auto loan rates are for model years 2019 or newer. Maximum mileage for used auto loan rate is 125,000 miles. Over 125,000 miles will default to the classic auto loan rate and terms.
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available. Used auto loan rates are for model years 2019 or newer. Maximum mileage for used auto loan rate is 125,000 miles. Over 125,000 miles will default to the classic auto loan rate and terms.
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available. Used auto loan rates are for model years 2019 or newer. Maximum mileage for used auto loan rate is 125,000 miles. Over 125,000 miles will default to the classic auto loan rate and terms.
As Low As
Compare local Waterbury, CT auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Connecticut new auto rates rose 0.048 points over the past 7 days to 5.364% APR.
Connecticut used auto rates rose 0.128 points over the past 7 days to 6.623% APR.
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Waterbury, Connecticut auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
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Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Waterbury, Connecticut directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Waterbury, Connecticut. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in CT.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.