Auto Loan Rates in Massachusetts (MA) for June 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Massachusetts. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Massachusetts include St Anthony Of Padua Federal Credit UnionSt Anthony Of Padua Federal Credit Union806 Bedford St, Fall River, MA, 02723A+5.0 ★Texas Ratio: 5.37% offering Used Auto Loans - with 15% down at 3.10%, Baxter Credit UnionBaxter Credit Union100 Boston Scientific Way, Marlborough, MA, 01752A5.0 ★Texas Ratio: 7.04% offering Auto Loans at 3.24%, American Airlines Federal Credit UnionAmerican Airlines Federal Credit UnionLogan International Airport, East Boston, MA, 02128A+5.0 ★Texas Ratio: 2.51% offering New Auto at 3.34%, Chelsea Employees Federal Credit UnionChelsea Employees Federal Credit Union311 Chestnut St, Chelsea, MA, 02150A+5.0 ★Texas Ratio: 3.30% offering New Autos at 3.99%, Quincy Credit UnionQuincy Credit Union100 Quincy Ave, Quincy, MA, 02169 6714A+5.0 ★Texas Ratio: 4.28% offering New Auto Loans at 3.99%. Auto loan rates as of June 3, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across Massachusetts side-by-side. Massachusetts auto loan rates currently start as low as 3.10% APR from St Anthony Of Padua Federal Credit Union at 806 Bedford St, Fall River, MA, 02723. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Massachusetts. Auto Loan Rates Last Updated and Verified: June 3, 2026
Compare Auto Loan Rates Today in Massachusetts
Massachusetts Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
St Anthony Of Padua Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.37%
806 Bedford St, Fall River, MA, 02723
Used Auto Loans - with 15% down
3.10%
36 Months
▼
APR3.10%
Term36 Months
Last UpdatedMay 29, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
100 Boston Scientific Way, Marlborough, MA, 01752
Auto Loans
3.24%
Auto Buying Service
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMay 20, 2026
Details
As Low As; APR - 2026 & Newer
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Logan International Airport, East Boston, MA, 02128
New Auto
3.34%
36 Months
▼
APR3.34%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 36 Months
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Logan International Airport, East Boston, MA, 02128
Used Auto
3.84%
36 Months
▼
APR3.84%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 36 Months
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
311 Chestnut St, Chelsea, MA, 02150
New Autos
3.99%
72 Months
▼
APR3.99%
Term72 Months
Last UpdatedMay 17, 2026
Details
90% Financing
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
311 Chestnut St, Chelsea, MA, 02150
Used Autos 2025 - 2026
3.99%
72 Months
▼
APR3.99%
Term72 Months
Last UpdatedMay 17, 2026
Details
90% Financing
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.28%
100 Quincy Ave, Quincy, MA, 02169 6714
New Auto Loans
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As; APR with Auto Pay
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.28%
100 Quincy Ave, Quincy, MA, 02169 6714
Pre-Owned Auto Loans
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As; APR with Auto Pay
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
100 Boston Scientific Way, Marlborough, MA, 01752
Auto Loans
3.99%
0 - 75 Months
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMay 20, 2026
Details
As Low As; APR - 2026 & Newer
Plymouth County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.09%
2203 Cranberry Hwy, West Wareham, MA, 02576 1210
Auto Loan
3.99%
65 Months
▼
APR3.99%
Term65 Months
Last UpdatedMay 22, 2026
Details
As Low As
PIONEER VALLEY
Institution Rating:
A+5.0 ★ Texas Ratio: 3.22%
246 Brookdale Dr, Springfield, MA, 01104
Vehicle Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedJun 1, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Logan International Airport, East Boston, MA, 02128
New Auto
4.09%
60 Months
▼
APR4.09%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 60 months
St Anthony Of Padua Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.37%
806 Bedford St, Fall River, MA, 02723
Used Auto Loans - with 15% down
4.10%
48 Months
▼
APR4.10%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
24 Church St, Leominster, MA, 01453
New / Used Auto Loans 2022 - 2021
4.24%
60 Months
▼
APR4.24%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As; Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay.
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
24 Church St, Leominster, MA, 01453
New / Used Auto Loans 2026 - 2023
4.24%
60 Months
▼
APR4.24%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As; Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay.
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
24 Church St, Leominster, MA, 01453
New Vehicle
4.24%
60 Months
▼
APR4.24%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As; Certain restrictions apply.
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.18%
455 W Broadway, South Boston, MA, 02127 2218
Used Vehicle Loan (Model Years 2022-2024)
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As; Maximum borrowed $150,000
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.28%
100 Quincy Ave, Quincy, MA, 02169 6714
New Auto Loans
4.38%
48 Months
▼
APR4.38%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As; APR with Auto Pay
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.28%
100 Quincy Ave, Quincy, MA, 02169 6714
Pre-Owned Auto Loans
4.38%
48 Months
▼
APR4.38%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As; APR with Auto Pay
Albright Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
1 Gillette Park, South Boston, MA, 02127 1028
New Auto Loans
4.44%
60 Months
▼
APR4.44%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As; Model year: 2025 or newer with less than 7,000 miles; Up to 100% financing available
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.18%
455 W Broadway, South Boston, MA, 02127 2218
Used Vehicle Loan (Model Years 2022-2024)
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As; Maximum borrowed $150,000
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
155 State St, Newburyport, MA, 01950
New Car Loans 2025-2026 Models or newer
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMay 20, 2026
Details
Published rates reflects a .25% discount when you maintain automatic loan payments.
Mass Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
1250 Hancock St, Quincy, MA, 02169
New < 25K miles Auto Loan
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
100 Boston Scientific Way, Marlborough, MA, 01752
Auto Loans
4.49%
Auto Buying Service
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMay 20, 2026
Details
As Low As; APR - 2023 - 2025*
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA, 02143
New Car (2025 - 2026)
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 6, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Logan International Airport, East Boston, MA, 02128
Used Auto
4.59%
60 Months
▼
APR4.59%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 60 months
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.28%
100 Quincy Ave, Quincy, MA, 02169 6714
New Auto Loans
4.62%
72 Months
▼
APR4.62%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As; APR with Auto Pay
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.28%
100 Quincy Ave, Quincy, MA, 02169 6714
Pre-Owned Auto Loans
4.62%
72 Months
▼
APR4.62%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As; APR with Auto Pay
Albright Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
1 Gillette Park, South Boston, MA, 02127 1028
New Auto Loans
4.64%
72 Months
▼
APR4.64%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As; Up to 100% financing available
Albright Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
1 Gillette Park, South Boston, MA, 02127 1028
Used Auto Loans
4.64%
48 Months
▼
APR4.64%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As; Model years: 2023 or newer (and 2025 with more than 7,000 miles; Up to 100% financing available
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
24 Church St, Leominster, MA, 01453
New / Used Auto Loans 2020 & Older
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As; Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay.
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
24 Church St, Leominster, MA, 01453
New / Used Auto Loans 2026 - 2023
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedMay 17, 2026
Details
As Low As; Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay.
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
24 Church St, Leominster, MA, 01453
New Vehicle
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedMay 17, 2026
Details
As Low As; Certain restrictions apply.
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.18%
455 W Broadway, South Boston, MA, 02127 2218
Used Vehicle Loan (Model Years 2022-2024)
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As; Maximum borrowed $150,000
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
155 State St, Newburyport, MA, 01950
Used Car Loans 2023-2024 Models
4.74%
24 Months
▼
APR4.74%
Term24 Months
Last UpdatedMay 20, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
1250 Hancock St, Quincy, MA, 02169
New Auto Loans
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedMay 20, 2026
Details
New < 25K miles
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA, 02143
Used Car (2022 - 2024)
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMay 6, 2026
Details
Brookline Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.56%
334 WASHINGTON ST, BROOKLINE, MA, 02445 6850
New Auto
4.75%
Up to 24 mos.
▼
APR4.75%
TermUp to 24 mos.
Last UpdatedMay 10, 2026
Details
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.28%
100 Quincy Ave, Quincy, MA, 02169 6714
New Auto Loans
4.88%
84 Months
▼
APR4.88%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As; APR with Auto Pay
Malden Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
10 Holden St, Malden, MA, 02148
New Auto
4.95%
2 - 5 Years
▼
APR4.95%
Term2 - 5 Years
Last UpdatedMay 22, 2026
Details
As Low As
Malden Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
10 Holden St, Malden, MA, 02148
Used Auto (Under 4 Years Old)
4.95%
4 Years
▼
APR4.95%
Term4 Years
Last UpdatedMay 22, 2026
Details
As Low As
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
311 Chestnut St, Chelsea, MA, 02150
Used Autos 2022 - 2024
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 17, 2026
Details
90% Financing
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA, 01851
New & Used Auto WITH Direct Deposit
4.99%
3 Years
▼
APR4.99%
Term3 Years
Last UpdatedMay 20, 2026
Details
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
155 State St, Newburyport, MA, 01950
New Car Loans 2025-2026 Models or newer
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 20, 2026
Details
Published rates reflects a .25% discount when you maintain automatic loan payments.
Homefield Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.20%
86 Worcester St, North Grafton, MA, 01536 1020
Auto Loan
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As
Mass Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
1250 Hancock St, Quincy, MA, 02169
Used > 25K miles Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
100 Boston Scientific Way, Marlborough, MA, 01752
Auto Loans
4.99%
0 - 75 Months
▼
APR4.99%
Term0 - 75 Months
Last UpdatedMay 20, 2026
Details
As Low As; APR - 2023 - 2025*
Tremont Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.56%
2 Granite Ave, Milton, MA, 02186
Auto Loans (2025-2026 Model Years)
4.99%
6 to 60
▼
APR4.99%
Term6 to 60
Last UpdatedMay 20, 2026
Details
Plymouth County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.09%
2203 Cranberry Hwy, West Wareham, MA, 02576 1210
Auto Loan
4.99%
75 Months
▼
APR4.99%
Term75 Months
Last UpdatedMay 22, 2026
Details
As Low As
Health Alliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
230 Highland Ave, Somerville, MA, 02143 1408
New Car Loans
4.99%
36-60
▼
APR4.99%
Term36-60
Last UpdatedMay 22, 2026
Details
As Low As; APR* = Annual Percentage rates are determined by your personal credit history. Rates quoted are for members with the best credit score. Other rates are available.
Health Alliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
230 Highland Ave, Somerville, MA, 02143 1408
Used Car Loans (2023,2024)
4.99%
36-60
▼
APR4.99%
Term36-60
Last UpdatedMay 22, 2026
Details
St Anthony Of Padua Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.37%
806 Bedford St, Fall River, MA, 02723
New Auto Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 29, 2026
Details
As Low As; Maximum term to 60 months
Norfolk Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
18 Union St Ste 104, Norfolk, MA, 02056 1855
Auto Loans NEW
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedMay 29, 2026
Details
As Low As
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
50 Main St, Millbury, MA, 01527
Car Loan Refinance Special
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 30, 2026
Details
As Low As
Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.60%
87 Hale St, Lowell, MA, 01851
Auto Loans
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedMay 31, 2026
Details
As Low As
Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.60%
87 Hale St, Lowell, MA, 01851
New/Used Auto (Model Years 2024-2026)
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 31, 2026
Details
As Low As
Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.60%
87 Hale St, Lowell, MA, 01851
Used Auto (Model Years < 2024)
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 31, 2026
Details
As Low As
New Bedford Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.21%
1150 Purchase St, New Bedford, MA, 02740 6635
New Auto - 2025 and newer models
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 31, 2026
Details
As Low As
PIONEER VALLEY
Institution Rating:
A+5.0 ★ Texas Ratio: 3.22%
246 Brookdale Dr, Springfield, MA, 01104
Vehicle Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedJun 1, 2026
Details
As Low As
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
5 Cheshire Rd, Pittsfield, MA, 01201
Auto Loans: New Vehicle
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedJun 3, 2026
Details
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA, 02143
New Car (2025 - 2026)
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMay 6, 2026
Details
Brookline Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.56%
334 WASHINGTON ST, BROOKLINE, MA, 02445 6850
New Auto
5.00%
36 mos.
▼
APR5.00%
Term36 mos.
Last UpdatedMay 10, 2026
Details
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
101 Page St, New Bedford, MA, 02740
New Automobile Loans
5.00%
24 Months
▼
APR5.00%
Term24 Months
Last UpdatedMay 22, 2026
Details
LTV MAX: 100%; FICO Score: 720+
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
101 Page St, New Bedford, MA, 02740
Used Automobile Loans
5.00%
24 Months
▼
APR5.00%
Term24 Months
Last UpdatedMay 22, 2026
Details
LTV MAX: 100%; FICO Score: Platinum 720+
New Bedford Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.21%
1150 Purchase St, New Bedford, MA, 02740 6635
Used Auto - 2021 - 2019 models
5.20%
36 Months
▼
APR5.20%
Term36 Months
Last UpdatedMay 31, 2026
Details
As Low As
New Bedford Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.21%
1150 Purchase St, New Bedford, MA, 02740 6635
Used Auto - 2024 - 2022 models
5.20%
36 Months
▼
APR5.20%
Term36 Months
Last UpdatedMay 31, 2026
Details
As Low As; 100% financing available
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
24 Church St, Leominster, MA, 01453
New / Used Auto Loans 2026 - 2023
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedMay 17, 2026
Details
As Low As; Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay.
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
155 State St, Newburyport, MA, 01950
New Car Loans 2025-2026 Models or newer
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedMay 20, 2026
Details
Published rates reflects a .25% discount when you maintain automatic loan payments.
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
155 State St, Newburyport, MA, 01950
Used Car Loans 2021-2022 Models
5.24%
24 Months
▼
APR5.24%
Term24 Months
Last UpdatedMay 20, 2026
Details
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
155 State St, Newburyport, MA, 01950
Used Car Loans 2023-2024 Models
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 20, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
1250 Hancock St, Quincy, MA, 02169
Used Auto Loans
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 20, 2026
Details
Used > 25K miles
Tremont Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.56%
2 Granite Ave, Milton, MA, 02186
Auto Loans (2025-2026 Model Years)
5.24%
61 to 72
▼
APR5.24%
Term61 to 72
Last UpdatedMay 20, 2026
Details
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
200 Concord St, Framingham, MA, 01702 8306
Auto Loans (2025 - Newer)
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedMay 22, 2026
Details
Direct Deposit Auto Pay
Common Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
8 Cedar St, Woburn, MA, 01801 7246
Vehicle New/Used Finance up to 120% of the Value of the vehicle Loan
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA, 02143
Older Used Car (2019 - 2023)
5.25%
36 Months
▼
APR5.25%
Term36 Months
Last UpdatedMay 6, 2026
Details
Brookline Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.56%
334 WASHINGTON ST, BROOKLINE, MA, 02445 6850
New Auto
5.25%
72 mos.
▼
APR5.25%
Term72 mos.
Last UpdatedMay 10, 2026
Details
Brookline Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.56%
334 WASHINGTON ST, BROOKLINE, MA, 02445 6850
Used Auto
5.25%
Up to 48 mos.
▼
APR5.25%
TermUp to 48 mos.
Last UpdatedMay 10, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA, 01851
New & Used Auto WITH Direct Deposit
5.25%
4 Years
▼
APR5.25%
Term4 Years
Last UpdatedMay 20, 2026
Details
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.59%
40 Pine St, Stoneham, MA, 02180 2048
New Automobile
5.25%
1-48
▼
APR5.25%
Term1-48
Last UpdatedMay 22, 2026
Details
Up To $60,000; 100% NADA value; Years 2025-2026; Maximum mileage up to 8,000
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
101 Page St, New Bedford, MA, 02740
New Automobile Loans
5.25%
24 Months
▼
APR5.25%
Term24 Months
Last UpdatedMay 22, 2026
Details
LTV MAX: 90%; FICO Score: 679-660
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
101 Page St, New Bedford, MA, 02740
Used Automobile Loans
5.25%
24 Months
▼
APR5.25%
Term24 Months
Last UpdatedMay 22, 2026
Details
LTV MAX: 90%; FICO Score: B 679-660
Pentucket Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA, 01830
Auto Loan
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedMay 29, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
63 State St, Newburyport, MA, 01950
New Vehicles Loan
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedMay 29, 2026
Details
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 7.09%
70 Westview St, Lexington, MA, 02421 3142
New Auto
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedJun 1, 2026
Details
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 7.09%
70 Westview St, Lexington, MA, 02421 3142
New Mobility Vehicle Loan
5.25%
36 Months
▼
APR5.25%
Term36 Months
Last UpdatedJun 1, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
5 Cheshire Rd, Pittsfield, MA, 01201
Auto Loans: New Vehicle
5.25%
5 Years
▼
APR5.25%
Term5 Years
Last UpdatedJun 3, 2026
Details
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
50 Main St, Millbury, MA, 01527
Car Loans - New And Used
5.39%
36 Months
▼
APR5.39%
Term36 Months
Last UpdatedMay 30, 2026
Details
As Low As
Direct Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
50 Cabot St, Needham, MA, 02494
Vehicle Loan
5.44%
up to 63
▼
APR5.44%
Termup to 63
Last UpdatedMay 29, 2026
Details
As Low As; New and used vehicles * Purchase, refinance, lease buyout * Finance up to 120% of vehicle value
Malden Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
10 Holden St, Malden, MA, 02148
Used Auto (Over 4 Years Old; No More Than 10 Years)
5.45%
4 Years
▼
APR5.45%
Term4 Years
Last UpdatedMay 22, 2026
Details
As Low As
Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
950 Park St, Stoughton, MA, 02072
Auto Loans - New
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 17, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA, 01851
New & Used Auto WITH Direct Deposit
5.49%
5 Years
▼
APR5.49%
Term5 Years
Last UpdatedMay 20, 2026
Details
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.18%
455 W Broadway, South Boston, MA, 02127 2218
Used Vehicle Loan
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As; Maximum borrowed $50,000
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
155 State St, Newburyport, MA, 01950
Used Car Loans 2021-2022 Models
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 20, 2026
Details
Tremont Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.56%
2 Granite Ave, Milton, MA, 02186
Auto Loans (2022-2024 Model Years)
5.49%
6 to 60
▼
APR5.49%
Term6 to 60
Last UpdatedMay 20, 2026
Details
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
200 Concord St, Framingham, MA, 01702 8306
Auto Loans (2025 - Newer)
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 22, 2026
Details
Without Direct Deposit Auto Pay
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
200 Concord St, Framingham, MA, 01702 8306
Used Auto (Years 2021 - 2024)
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 22, 2026
Details
Direct Deposit Auto Pay
Plymouth County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.09%
2203 Cranberry Hwy, West Wareham, MA, 02576 1210
Auto Loan
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 22, 2026
Details
As Low As
Health Alliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
230 Highland Ave, Somerville, MA, 02143 1408
New Car Loans
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 22, 2026
Details
Common Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
8 Cedar St, Woburn, MA, 01801 7246
Vehicle New Finance up to 120% of the Value of the vehicle Loan
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; Maximum $100,000
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
50 Main St, Millbury, MA, 01527
Car Loans - New And Used
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMay 30, 2026
Details
As Low As
Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.60%
87 Hale St, Lowell, MA, 01851
Auto Loans
5.49%
72 months
▼
APR5.49%
Term72 months
Last UpdatedMay 31, 2026
Details
As Low As
Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.60%
87 Hale St, Lowell, MA, 01851
New/Used Auto (Model Years 2024-2026)
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 31, 2026
Details
As Low As
Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.60%
87 Hale St, Lowell, MA, 01851
Used Auto (Model Years 2021-2023)
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 31, 2026
Details
As Low As
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 7.09%
70 Westview St, Lexington, MA, 02421 3142
Used Auto
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedJun 1, 2026
Details
PIONEER VALLEY
Institution Rating:
A+5.0 ★ Texas Ratio: 3.22%
246 Brookdale Dr, Springfield, MA, 01104
Vehicle Loan
5.49%
66 Months
▼
APR5.49%
Term66 Months
Last UpdatedJun 1, 2026
Details
As Low As
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA, 02143
New Car (2025 - 2026)
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMay 6, 2026
Details
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA, 02143
Used Car (2022 - 2024)
5.50%
48 Months
▼
APR5.50%
Term48 Months
Last UpdatedMay 6, 2026
Details
Brookline Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.56%
334 WASHINGTON ST, BROOKLINE, MA, 02445 6850
Used Auto
5.50%
60 mos.
▼
APR5.50%
Term60 mos.
Last UpdatedMay 10, 2026
Details
Bank of Easton
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
275 Washington St, North Easton, MA, 02356
Auto Loans
5.50%
12-60
▼
APR5.50%
Term12-60
Last UpdatedMay 17, 2026
Details
Lowell Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
375 Merrimack St, Lowell, MA, 01852 5909
NEW VEHICLES
5.50%
7 year
▼
APR5.50%
Term7 year
Last UpdatedMay 17, 2026
Details
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
101 Page St, New Bedford, MA, 02740
New Automobile Loans
5.50%
24 Months
▼
APR5.50%
Term24 Months
Last UpdatedMay 22, 2026
Details
LTV MAX: 80%; FICO Score: 659-640
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
101 Page St, New Bedford, MA, 02740
Used Automobile Loans
5.50%
24 Months
▼
APR5.50%
Term24 Months
Last UpdatedMay 22, 2026
Details
LTV MAX: 80%; FICO Score: C 659-640
Pentucket Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA, 01830
Auto Loan
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMay 29, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
63 State St, Newburyport, MA, 01950
New Vehicles Loan
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMay 29, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
63 State St, Newburyport, MA, 01950
Used Vehicles Loan
5.50%
48 Months
▼
APR5.50%
Term48 Months
Last UpdatedMay 29, 2026
Details
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 7.09%
70 Westview St, Lexington, MA, 02421 3142
Used Auto
5.63%
72 Months
▼
APR5.63%
Term72 Months
Last UpdatedJun 1, 2026
Details
Albright Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
1 Gillette Park, South Boston, MA, 02127 1028
New Auto Loans
5.64%
84 Months
▼
APR5.64%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As; Up to 100% financing available
Albright Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
1 Gillette Park, South Boston, MA, 02127 1028
Used Auto Loans
5.64%
72 Months
▼
APR5.64%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As; Up to 100% financing available
Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
950 Park St, Stoughton, MA, 02072
Auto Loans - New
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedMay 17, 2026
Details
Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
950 Park St, Stoughton, MA, 02072
Auto Loans - Used
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedMay 17, 2026
Details
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
155 State St, Newburyport, MA, 01950
Used Car Loans 2023-2024 Models
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMay 20, 2026
Details
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
200 Concord St, Framingham, MA, 01702 8306
Used Auto (Years 2021 - 2024)
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedMay 22, 2026
Details
Without Direct Deposit Auto Pay
Common Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
8 Cedar St, Woburn, MA, 01801 7246
Vehicle New/Used Finance up to 120% of the Value of the vehicle Loan
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMay 22, 2026
Details
As Low As
Direct Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
50 Cabot St, Needham, MA, 02494
Vehicle Loan
5.74%
up to 63
▼
APR5.74%
Termup to 63
Last UpdatedMay 29, 2026
Details
As Low As
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA, 02143
Older Used Car (2019 - 2023)
5.75%
48 Months
▼
APR5.75%
Term48 Months
Last UpdatedMay 6, 2026
Details
Brookline Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.56%
334 WASHINGTON ST, BROOKLINE, MA, 02445 6850
Used Auto
5.75%
72 mos.
▼
APR5.75%
Term72 mos.
Last UpdatedMay 10, 2026
Details
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
659 Eastern Ave, Fall River, MA, 02723
New Autos
5.75%
24 Months
▼
APR5.75%
Term24 Months
Last UpdatedMay 17, 2026
Details
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
101 Page St, New Bedford, MA, 02740
New Automobile Loans
5.75%
24 Months
▼
APR5.75%
Term24 Months
Last UpdatedMay 22, 2026
Details
LTV MAX: 70%; FICO Score: 639-620
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
101 Page St, New Bedford, MA, 02740
Used Automobile Loans
5.75%
24 Months
▼
APR5.75%
Term24 Months
Last UpdatedMay 22, 2026
Details
LTV MAX: 70%; FICO Score: D 639-620
Pentucket Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA, 01830
Auto Loan
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedMay 29, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
63 State St, Newburyport, MA, 01950
New Vehicles Loan
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedMay 29, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
63 State St, Newburyport, MA, 01950
Used Vehicles Loan
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedMay 29, 2026
Details
New Bedford Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.21%
1150 Purchase St, New Bedford, MA, 02740 6635
New Auto - 2025 and newer models
5.75%
75 Months
▼
APR5.75%
Term75 Months
Last UpdatedMay 31, 2026
Details
As Low As
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 7.09%
70 Westview St, Lexington, MA, 02421 3142
New Auto
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedJun 1, 2026
Details
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 7.09%
70 Westview St, Lexington, MA, 02421 3142
Used Mobility Vehicle Loan
5.75%
36 Months
▼
APR5.75%
Term36 Months
Last UpdatedJun 1, 2026
Details
Dean Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
21 Main St, Franklin, MA, 02038
New Cars Loan
5.75%
36 Months
▼
APR5.75%
Term36 Months
Last UpdatedJun 3, 2026
Details
As Low As
Direct Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
50 Cabot St, Needham, MA, 02494
Vehicle Loan
5.84%
up to 66
▼
APR5.84%
Termup to 66
Last UpdatedMay 29, 2026
Details
As Low As
Direct Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
50 Cabot St, Needham, MA, 02494
Vehicle Loan
5.89%
up to 66
▼
APR5.89%
Termup to 66
Last UpdatedMay 29, 2026
Details
As Low As
Albright Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
1 Gillette Park, South Boston, MA, 02127 1028
Used Auto Loans
5.90%
36 Months
▼
APR5.90%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As; Model years: 2021 -2022 (older considered on case by case basis); Up to 100% financing available
Direct Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
50 Cabot St, Needham, MA, 02494
Vehicle Loan
5.94%
up to 75
▼
APR5.94%
Termup to 75
Last UpdatedMay 29, 2026
Details
As Low As
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
50 Main St, Millbury, MA, 01527
Car Loans - New And Used
5.94%
36 Months
▼
APR5.94%
Term36 Months
Last UpdatedMay 30, 2026
Details
As Low As; Car Model Year 2021
Fall River Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
333 Milliken Blvd, Fall River, MA, 02721
Used Auto (2022-2024)
5.95%
60 Months
▼
APR5.95%
Term60 Months
Last UpdatedMay 20, 2026
Details
Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
950 Park St, Stoughton, MA, 02072
Auto Loans - Used
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 17, 2026
Details
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
311 Chestnut St, Chelsea, MA, 02150
Used Autos 2019 - 2021
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 17, 2026
Details
90% Financing
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA, 01851
New & Used Auto WITHOUT Direct Deposit
5.99%
3 Years
▼
APR5.99%
Term3 Years
Last UpdatedMay 20, 2026
Details
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.18%
455 W Broadway, South Boston, MA, 02127 2218
Used Vehicle Loan
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As; Maximum borrowed $50,000
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
155 State St, Newburyport, MA, 01950
Used Car Loans 2021-2022 Models
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
100 Boston Scientific Way, Marlborough, MA, 01752
Auto Loans
5.99%
76 - 84 Months
▼
APR5.99%
Term76 - 84 Months
Last UpdatedMay 20, 2026
Details
As Low As; APR - 2023 - 2025*
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
200 Concord St, Framingham, MA, 01702 8306
Used Auto (Years 2021 - 2024)
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 22, 2026
Details
Direct Deposit Auto Pay
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.59%
40 Pine St, Stoneham, MA, 02180 2048
New Automobile
5.99%
49-72
▼
APR5.99%
Term49-72
Last UpdatedMay 22, 2026
Details
Up To $60,000; 100% NADA value; Years 2025-2026; Maximum mileage up to 8,000
Health Alliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
230 Highland Ave, Somerville, MA, 02143 1408
Used Car Loans (2020,2021,2022)
5.99%
36-60
▼
APR5.99%
Term36-60
Last UpdatedMay 22, 2026
Details
Health Alliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
230 Highland Ave, Somerville, MA, 02143 1408
Used Car Loans (2023,2024)
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 22, 2026
Details
Common Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
8 Cedar St, Woburn, MA, 01801 7246
Vehicle New Finance up to 120% of the Value of the vehicle Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 22, 2026
Details
As Low As; Maximum $100,000
Common Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
8 Cedar St, Woburn, MA, 01801 7246
Vehicle Used Finance up to 120% of the Value of the vehicle Loan
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
Massachusetts Family Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
51 Willow St, Lynn, MA, 01901
New Vehicle Loan
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMay 23, 2026
Details
North Brookfield SB
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
9 Gilbert St, North Brookfield, MA, 01535
New - Special Auto Loan
5.99%
49-72
▼
APR5.99%
Term49-72
Last UpdatedMay 29, 2026
Details
North Brookfield SB
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
9 Gilbert St, North Brookfield, MA, 01535
New/Used Auto Loan
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedMay 29, 2026
Details
St Anthony Of Padua Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.37%
806 Bedford St, Fall River, MA, 02723
Used Auto Loans - with 15% down Vehicles 1 - 5 years old
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As; Maximum term to 48 months
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
50 Main St, Millbury, MA, 01527
Car Loans - New And Used
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 30, 2026
Details
As Low As
PIONEER VALLEY
Institution Rating:
A+5.0 ★ Texas Ratio: 3.22%
246 Brookdale Dr, Springfield, MA, 01104
Vehicle Loan
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedJun 1, 2026
Details
As Low As
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA, 02143
New Car (2025 - 2026)
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedMay 6, 2026
Details
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA, 02143
Used Car (2022 - 2024)
6.00%
60 Months
▼
APR6.00%
Term60 Months
Last UpdatedMay 6, 2026
Details
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
659 Eastern Ave, Fall River, MA, 02723
New Autos
6.00%
36 Months
▼
APR6.00%
Term36 Months
Last UpdatedMay 17, 2026
Details
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
659 Eastern Ave, Fall River, MA, 02723
Used Autos
6.00%
24 Months
▼
APR6.00%
Term24 Months
Last UpdatedMay 17, 2026
Details
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
101 Page St, New Bedford, MA, 02740
New Automobile Loans
6.00%
24 Months
▼
APR6.00%
Term24 Months
Last UpdatedMay 22, 2026
Details
LTV MAX: 60%; FICO Score: < 619
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
101 Page St, New Bedford, MA, 02740
Used Automobile Loans
6.00%
24 Months
▼
APR6.00%
Term24 Months
Last UpdatedMay 22, 2026
Details
LTV MAX: 60%; FICO Score: E < 619
Somerset Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
740 County St, Somerset, MA, 02726
New & Used Auto Loan
6.00%
12 Months to 72 Months
▼
APR6.00%
Term12 Months to 72 Months
Last UpdatedMay 30, 2026
Details
As Low As
New Bedford Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.21%
1150 Purchase St, New Bedford, MA, 02740 6635
New Auto - 2025 and newer models
6.00%
84 Months
▼
APR6.00%
Term84 Months
Last UpdatedMay 31, 2026
Details
As Low As
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 7.09%
70 Westview St, Lexington, MA, 02421 3142
New Mobility Vehicle Loan
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedJun 1, 2026
Details
Methuen Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
243 Broadway, Methuen, MA, 01844
24 Month New Auto Loan
6.12%
24 Month
▼
APR6.12%
Term24 Month
Last UpdatedJun 3, 2026
Details
Methuen Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
243 Broadway, Methuen, MA, 01844
New Auto
6.12%
24 mo.
▼
APR6.12%
Term24 mo.
Last UpdatedJun 3, 2026
Details
Albright Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
1 Gillette Park, South Boston, MA, 02127 1028
Used Auto Loans
6.15%
48 Months
▼
APR6.15%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As; Up to 100% financing available
Tremont Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.56%
2 Granite Ave, Milton, MA, 02186
Auto Loans (2025-2026 Model Years)
6.24%
73 to 84
▼
APR6.24%
Term73 to 84
Last UpdatedMay 20, 2026
Details
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
200 Concord St, Framingham, MA, 01702 8306
Used Auto (Years 2021 - 2024)
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedMay 22, 2026
Details
Without Direct Deposit Auto Pay
Common Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
8 Cedar St, Woburn, MA, 01801 7246
Vehicle Used Finance up to 120% of the Value of the vehicle Loan
6.24%
60 Months
▼
APR6.24%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; Maximum $75,000
North Brookfield SB
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
9 Gilbert St, North Brookfield, MA, 01535
New/Used Auto Loan
6.24%
48 Months
▼
APR6.24%
Term48 Months
Last UpdatedMay 29, 2026
Details
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.65%
100 SWIFT ST, EAST BOSTON, MA, 02128 1864
New Auto
6.24%
48 Months
▼
APR6.24%
Term48 Months
Last UpdatedMay 31, 2026
Details
As Low As
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.65%
100 SWIFT ST, EAST BOSTON, MA, 02128 1864
New Auto 4 Year term
6.24%
48 Months
▼
APR6.24%
Term48 Months
Last UpdatedMay 31, 2026
Details
As Low As
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA, 02143
Older Used Car (2019 - 2023)
6.25%
60 Months
▼
APR6.25%
Term60 Months
Last UpdatedMay 6, 2026
Details
Bank of Easton
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
275 Washington St, North Easton, MA, 02356
Auto Loans
6.25%
12-48
▼
APR6.25%
Term12-48
Last UpdatedMay 17, 2026
Details
Lowell Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
375 Merrimack St, Lowell, MA, 01852 5909
NEW VEHICLES
6.25%
7 year
▼
APR6.25%
Term7 year
Last UpdatedMay 17, 2026
Details
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
659 Eastern Ave, Fall River, MA, 02723
Used Autos
6.25%
36 Months
▼
APR6.25%
Term36 Months
Last UpdatedMay 17, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA, 01851
New & Used Auto WITHOUT Direct Deposit
6.25%
4 Years
▼
APR6.25%
Term4 Years
Last UpdatedMay 20, 2026
Details
Country Bank for Savings
Institution Rating:
A5.0 ★ Texas Ratio: 7.70%
155 West St, Ware, MA, 01082
Auto Loan
6.25%
60 Months
▼
APR6.25%
Term60 Months
Last UpdatedMay 29, 2026
Details
Year of Vehicle: 2024-2026
New Bedford Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.21%
1150 Purchase St, New Bedford, MA, 02740 6635
Used Auto - 2024 - 2022 models
6.25%
75 Months
▼
APR6.25%
Term75 Months
Last UpdatedMay 31, 2026
Details
As Low As; 100% financing available
Dean Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
21 Main St, Franklin, MA, 02038
New Cars Loan
6.25%
48 Months
▼
APR6.25%
Term48 Months
Last UpdatedJun 3, 2026
Details
As Low As
Methuen Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
243 Broadway, Methuen, MA, 01844
New Auto
6.25%
36 mo.
▼
APR6.25%
Term36 mo.
Last UpdatedJun 3, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
5 Cheshire Rd, Pittsfield, MA, 01201
Auto Loans: Used Vehicle
6.25%
5 Years
▼
APR6.25%
Term5 Years
Last UpdatedJun 3, 2026
Details
Direct Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
50 Cabot St, Needham, MA, 02494
Vehicle Loan
6.29%
up to 60
▼
APR6.29%
Termup to 60
Last UpdatedMay 29, 2026
Details
As Low As
Methuen Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
243 Broadway, Methuen, MA, 01844
New Auto
6.38%
48 mo.
▼
APR6.38%
Term48 mo.
Last UpdatedJun 3, 2026
Details
North Brookfield SB
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
9 Gilbert St, North Brookfield, MA, 01535
New/Used Auto Loan
6.39%
60 Months
▼
APR6.39%
Term60 Months
Last UpdatedMay 29, 2026
Details
Direct Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
50 Cabot St, Needham, MA, 02494
Vehicle Loan
6.39%
up to 60
▼
APR6.39%
Termup to 60
Last UpdatedMay 29, 2026
Details
As Low As
Direct Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
50 Cabot St, Needham, MA, 02494
Vehicle Loan
6.44%
up to 66
▼
APR6.44%
Termup to 66
Last UpdatedMay 29, 2026
Details
As Low As
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
50 Main St, Millbury, MA, 01527
Car Loans - New And Used
6.44%
72 Months
▼
APR6.44%
Term72 Months
Last UpdatedMay 30, 2026
Details
As Low As; Car Model Year 2021
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA, 01851
New & Used Auto WITH Direct Deposit
6.49%
6 Years
▼
APR6.49%
Term6 Years
Last UpdatedMay 20, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA, 01851
New & Used Auto WITHOUT Direct Deposit
6.49%
5 Years
▼
APR6.49%
Term5 Years
Last UpdatedMay 20, 2026
Details
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.59%
40 Pine St, Stoneham, MA, 02180 2048
Used Automobile
6.49%
12-72
▼
APR6.49%
Term12-72
Last UpdatedMay 22, 2026
Details
Up To $50,000; 90% NADA value; Years 2020-2026
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.65%
100 SWIFT ST, EAST BOSTON, MA, 02128 1864
New Auto
6.49%
60 Months
▼
APR6.49%
Term60 Months
Last UpdatedMay 31, 2026
Details
As Low As
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.65%
100 SWIFT ST, EAST BOSTON, MA, 02128 1864
New Auto 5 Year term
6.49%
60 Months
▼
APR6.49%
Term60 Months
Last UpdatedMay 31, 2026
Details
As Low As
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.65%
100 SWIFT ST, EAST BOSTON, MA, 02128 1864
Used Auto
6.49%
48 Months
▼
APR6.49%
Term48 Months
Last UpdatedMay 31, 2026
Details
As Low As
Powered by
MonitorBankRates
Massachusetts New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Logan International Airport, East Boston, MA, 02128
New Auto
3.34%
36 Months
▼
APR3.34%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 36 Months
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
311 Chestnut St, Chelsea, MA, 02150
New Autos
3.99%
72 Months
▼
APR3.99%
Term72 Months
Last UpdatedMay 17, 2026
Details
90% Financing
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.28%
100 Quincy Ave, Quincy, MA, 02169 6714
New Auto Loans
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As; APR with Auto Pay
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Logan International Airport, East Boston, MA, 02128
New Auto
4.09%
60 Months
▼
APR4.09%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 60 months
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
24 Church St, Leominster, MA, 01453
New / Used Auto Loans 2022 - 2021
4.24%
60 Months
▼
APR4.24%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As; Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay.
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
24 Church St, Leominster, MA, 01453
New / Used Auto Loans 2026 - 2023
4.24%
60 Months
▼
APR4.24%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As; Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay.
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
24 Church St, Leominster, MA, 01453
New Vehicle
4.24%
60 Months
▼
APR4.24%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As; Certain restrictions apply.
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.28%
100 Quincy Ave, Quincy, MA, 02169 6714
New Auto Loans
4.38%
48 Months
▼
APR4.38%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As; APR with Auto Pay
Albright Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
1 Gillette Park, South Boston, MA, 02127 1028
New Auto Loans
4.44%
60 Months
▼
APR4.44%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As; Model year: 2025 or newer with less than 7,000 miles; Up to 100% financing available
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
155 State St, Newburyport, MA, 01950
New Car Loans 2025-2026 Models or newer
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMay 20, 2026
Details
Published rates reflects a .25% discount when you maintain automatic loan payments.
Mass Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
1250 Hancock St, Quincy, MA, 02169
New < 25K miles Auto Loan
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 20, 2026
Details
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA, 02143
New Car (2025 - 2026)
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 6, 2026
Details
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.28%
100 Quincy Ave, Quincy, MA, 02169 6714
New Auto Loans
4.62%
72 Months
▼
APR4.62%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As; APR with Auto Pay
Albright Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
1 Gillette Park, South Boston, MA, 02127 1028
New Auto Loans
4.64%
72 Months
▼
APR4.64%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As; Up to 100% financing available
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
24 Church St, Leominster, MA, 01453
New / Used Auto Loans 2020 & Older
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As; Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay.
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
24 Church St, Leominster, MA, 01453
New / Used Auto Loans 2026 - 2023
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedMay 17, 2026
Details
As Low As; Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay.
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
24 Church St, Leominster, MA, 01453
New Vehicle
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedMay 17, 2026
Details
As Low As; Certain restrictions apply.
Mass Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
1250 Hancock St, Quincy, MA, 02169
New Auto Loans
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedMay 20, 2026
Details
New < 25K miles
Brookline Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.56%
334 WASHINGTON ST, BROOKLINE, MA, 02445 6850
New Auto
4.75%
Up to 24 mos.
▼
APR4.75%
TermUp to 24 mos.
Last UpdatedMay 10, 2026
Details
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.28%
100 Quincy Ave, Quincy, MA, 02169 6714
New Auto Loans
4.88%
84 Months
▼
APR4.88%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As; APR with Auto Pay
Malden Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
10 Holden St, Malden, MA, 02148
New Auto
4.95%
2 - 5 Years
▼
APR4.95%
Term2 - 5 Years
Last UpdatedMay 22, 2026
Details
As Low As
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA, 01851
New & Used Auto WITH Direct Deposit
4.99%
3 Years
▼
APR4.99%
Term3 Years
Last UpdatedMay 20, 2026
Details
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
155 State St, Newburyport, MA, 01950
New Car Loans 2025-2026 Models or newer
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 20, 2026
Details
Published rates reflects a .25% discount when you maintain automatic loan payments.
Health Alliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
230 Highland Ave, Somerville, MA, 02143 1408
New Car Loans
4.99%
36-60
▼
APR4.99%
Term36-60
Last UpdatedMay 22, 2026
Details
As Low As; APR* = Annual Percentage rates are determined by your personal credit history. Rates quoted are for members with the best credit score. Other rates are available.
St Anthony Of Padua Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.37%
806 Bedford St, Fall River, MA, 02723
New Auto Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 29, 2026
Details
As Low As; Maximum term to 60 months
Norfolk Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
18 Union St Ste 104, Norfolk, MA, 02056 1855
Auto Loans NEW
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedMay 29, 2026
Details
As Low As
Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.60%
87 Hale St, Lowell, MA, 01851
New/Used Auto (Model Years 2024-2026)
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 31, 2026
Details
As Low As
New Bedford Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.21%
1150 Purchase St, New Bedford, MA, 02740 6635
New Auto - 2025 and newer models
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 31, 2026
Details
As Low As
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
5 Cheshire Rd, Pittsfield, MA, 01201
Auto Loans: New Vehicle
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedJun 3, 2026
Details
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA, 02143
New Car (2025 - 2026)
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMay 6, 2026
Details
Brookline Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.56%
334 WASHINGTON ST, BROOKLINE, MA, 02445 6850
New Auto
5.00%
36 mos.
▼
APR5.00%
Term36 mos.
Last UpdatedMay 10, 2026
Details
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
101 Page St, New Bedford, MA, 02740
New Automobile Loans
5.00%
24 Months
▼
APR5.00%
Term24 Months
Last UpdatedMay 22, 2026
Details
LTV MAX: 100%; FICO Score: 720+
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
24 Church St, Leominster, MA, 01453
New / Used Auto Loans 2026 - 2023
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedMay 17, 2026
Details
As Low As; Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay.
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
155 State St, Newburyport, MA, 01950
New Car Loans 2025-2026 Models or newer
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedMay 20, 2026
Details
Published rates reflects a .25% discount when you maintain automatic loan payments.
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
200 Concord St, Framingham, MA, 01702 8306
Auto Loans (2025 - Newer)
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedMay 22, 2026
Details
Direct Deposit Auto Pay
Common Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
8 Cedar St, Woburn, MA, 01801 7246
Vehicle New/Used Finance up to 120% of the Value of the vehicle Loan
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
Brookline Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.56%
334 WASHINGTON ST, BROOKLINE, MA, 02445 6850
New Auto
5.25%
72 mos.
▼
APR5.25%
Term72 mos.
Last UpdatedMay 10, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA, 01851
New & Used Auto WITH Direct Deposit
5.25%
4 Years
▼
APR5.25%
Term4 Years
Last UpdatedMay 20, 2026
Details
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.59%
40 Pine St, Stoneham, MA, 02180 2048
New Automobile
5.25%
1-48
▼
APR5.25%
Term1-48
Last UpdatedMay 22, 2026
Details
Up To $60,000; 100% NADA value; Years 2025-2026; Maximum mileage up to 8,000
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
101 Page St, New Bedford, MA, 02740
New Automobile Loans
5.25%
24 Months
▼
APR5.25%
Term24 Months
Last UpdatedMay 22, 2026
Details
LTV MAX: 90%; FICO Score: 679-660
Newburyport Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
63 State St, Newburyport, MA, 01950
New Vehicles Loan
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedMay 29, 2026
Details
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 7.09%
70 Westview St, Lexington, MA, 02421 3142
New Auto
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedJun 1, 2026
Details
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 7.09%
70 Westview St, Lexington, MA, 02421 3142
New Mobility Vehicle Loan
5.25%
36 Months
▼
APR5.25%
Term36 Months
Last UpdatedJun 1, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
5 Cheshire Rd, Pittsfield, MA, 01201
Auto Loans: New Vehicle
5.25%
5 Years
▼
APR5.25%
Term5 Years
Last UpdatedJun 3, 2026
Details
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
50 Main St, Millbury, MA, 01527
Car Loans - New And Used
5.39%
36 Months
▼
APR5.39%
Term36 Months
Last UpdatedMay 30, 2026
Details
As Low As
Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
950 Park St, Stoughton, MA, 02072
Auto Loans - New
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 17, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA, 01851
New & Used Auto WITH Direct Deposit
5.49%
5 Years
▼
APR5.49%
Term5 Years
Last UpdatedMay 20, 2026
Details
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
200 Concord St, Framingham, MA, 01702 8306
Auto Loans (2025 - Newer)
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 22, 2026
Details
Without Direct Deposit Auto Pay
Health Alliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
230 Highland Ave, Somerville, MA, 02143 1408
New Car Loans
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 22, 2026
Details
Common Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
8 Cedar St, Woburn, MA, 01801 7246
Vehicle New Finance up to 120% of the Value of the vehicle Loan
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; Maximum $100,000
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
50 Main St, Millbury, MA, 01527
Car Loans - New And Used
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMay 30, 2026
Details
As Low As
Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.60%
87 Hale St, Lowell, MA, 01851
New/Used Auto (Model Years 2024-2026)
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 31, 2026
Details
As Low As
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA, 02143
New Car (2025 - 2026)
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMay 6, 2026
Details
Lowell Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
375 Merrimack St, Lowell, MA, 01852 5909
NEW VEHICLES
5.50%
7 year
▼
APR5.50%
Term7 year
Last UpdatedMay 17, 2026
Details
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
101 Page St, New Bedford, MA, 02740
New Automobile Loans
5.50%
24 Months
▼
APR5.50%
Term24 Months
Last UpdatedMay 22, 2026
Details
LTV MAX: 80%; FICO Score: 659-640
Newburyport Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
63 State St, Newburyport, MA, 01950
New Vehicles Loan
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMay 29, 2026
Details
Albright Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
1 Gillette Park, South Boston, MA, 02127 1028
New Auto Loans
5.64%
84 Months
▼
APR5.64%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As; Up to 100% financing available
Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
950 Park St, Stoughton, MA, 02072
Auto Loans - New
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedMay 17, 2026
Details
Common Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
8 Cedar St, Woburn, MA, 01801 7246
Vehicle New/Used Finance up to 120% of the Value of the vehicle Loan
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMay 22, 2026
Details
As Low As
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
659 Eastern Ave, Fall River, MA, 02723
New Autos
5.75%
24 Months
▼
APR5.75%
Term24 Months
Last UpdatedMay 17, 2026
Details
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
101 Page St, New Bedford, MA, 02740
New Automobile Loans
5.75%
24 Months
▼
APR5.75%
Term24 Months
Last UpdatedMay 22, 2026
Details
LTV MAX: 70%; FICO Score: 639-620
Newburyport Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
63 State St, Newburyport, MA, 01950
New Vehicles Loan
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedMay 29, 2026
Details
New Bedford Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.21%
1150 Purchase St, New Bedford, MA, 02740 6635
New Auto - 2025 and newer models
5.75%
75 Months
▼
APR5.75%
Term75 Months
Last UpdatedMay 31, 2026
Details
As Low As
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 7.09%
70 Westview St, Lexington, MA, 02421 3142
New Auto
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedJun 1, 2026
Details
Dean Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
21 Main St, Franklin, MA, 02038
New Cars Loan
5.75%
36 Months
▼
APR5.75%
Term36 Months
Last UpdatedJun 3, 2026
Details
As Low As
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
50 Main St, Millbury, MA, 01527
Car Loans - New And Used
5.94%
36 Months
▼
APR5.94%
Term36 Months
Last UpdatedMay 30, 2026
Details
As Low As; Car Model Year 2021
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA, 01851
New & Used Auto WITHOUT Direct Deposit
5.99%
3 Years
▼
APR5.99%
Term3 Years
Last UpdatedMay 20, 2026
Details
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.59%
40 Pine St, Stoneham, MA, 02180 2048
New Automobile
5.99%
49-72
▼
APR5.99%
Term49-72
Last UpdatedMay 22, 2026
Details
Up To $60,000; 100% NADA value; Years 2025-2026; Maximum mileage up to 8,000
Common Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
8 Cedar St, Woburn, MA, 01801 7246
Vehicle New Finance up to 120% of the Value of the vehicle Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 22, 2026
Details
As Low As; Maximum $100,000
Massachusetts Family Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
51 Willow St, Lynn, MA, 01901
New Vehicle Loan
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMay 23, 2026
Details
North Brookfield SB
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
9 Gilbert St, North Brookfield, MA, 01535
New - Special Auto Loan
5.99%
49-72
▼
APR5.99%
Term49-72
Last UpdatedMay 29, 2026
Details
North Brookfield SB
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
9 Gilbert St, North Brookfield, MA, 01535
New/Used Auto Loan
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedMay 29, 2026
Details
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
50 Main St, Millbury, MA, 01527
Car Loans - New And Used
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 30, 2026
Details
As Low As
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA, 02143
New Car (2025 - 2026)
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedMay 6, 2026
Details
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
659 Eastern Ave, Fall River, MA, 02723
New Autos
6.00%
36 Months
▼
APR6.00%
Term36 Months
Last UpdatedMay 17, 2026
Details
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
101 Page St, New Bedford, MA, 02740
New Automobile Loans
6.00%
24 Months
▼
APR6.00%
Term24 Months
Last UpdatedMay 22, 2026
Details
LTV MAX: 60%; FICO Score: < 619
Somerset Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
740 County St, Somerset, MA, 02726
New & Used Auto Loan
6.00%
12 Months to 72 Months
▼
APR6.00%
Term12 Months to 72 Months
Last UpdatedMay 30, 2026
Details
As Low As
New Bedford Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.21%
1150 Purchase St, New Bedford, MA, 02740 6635
New Auto - 2025 and newer models
6.00%
84 Months
▼
APR6.00%
Term84 Months
Last UpdatedMay 31, 2026
Details
As Low As
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 7.09%
70 Westview St, Lexington, MA, 02421 3142
New Mobility Vehicle Loan
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedJun 1, 2026
Details
Methuen Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
243 Broadway, Methuen, MA, 01844
24 Month New Auto Loan
6.12%
24 Month
▼
APR6.12%
Term24 Month
Last UpdatedJun 3, 2026
Details
Methuen Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
243 Broadway, Methuen, MA, 01844
New Auto
6.12%
24 mo.
▼
APR6.12%
Term24 mo.
Last UpdatedJun 3, 2026
Details
North Brookfield SB
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
9 Gilbert St, North Brookfield, MA, 01535
New/Used Auto Loan
6.24%
48 Months
▼
APR6.24%
Term48 Months
Last UpdatedMay 29, 2026
Details
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.65%
100 SWIFT ST, EAST BOSTON, MA, 02128 1864
New Auto
6.24%
48 Months
▼
APR6.24%
Term48 Months
Last UpdatedMay 31, 2026
Details
As Low As
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.65%
100 SWIFT ST, EAST BOSTON, MA, 02128 1864
New Auto 4 Year term
6.24%
48 Months
▼
APR6.24%
Term48 Months
Last UpdatedMay 31, 2026
Details
As Low As
Lowell Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
375 Merrimack St, Lowell, MA, 01852 5909
NEW VEHICLES
6.25%
7 year
▼
APR6.25%
Term7 year
Last UpdatedMay 17, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA, 01851
New & Used Auto WITHOUT Direct Deposit
6.25%
4 Years
▼
APR6.25%
Term4 Years
Last UpdatedMay 20, 2026
Details
Dean Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
21 Main St, Franklin, MA, 02038
New Cars Loan
6.25%
48 Months
▼
APR6.25%
Term48 Months
Last UpdatedJun 3, 2026
Details
As Low As
Methuen Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
243 Broadway, Methuen, MA, 01844
New Auto
6.25%
36 mo.
▼
APR6.25%
Term36 mo.
Last UpdatedJun 3, 2026
Details
Methuen Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
243 Broadway, Methuen, MA, 01844
New Auto
6.38%
48 mo.
▼
APR6.38%
Term48 mo.
Last UpdatedJun 3, 2026
Details
North Brookfield SB
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
9 Gilbert St, North Brookfield, MA, 01535
New/Used Auto Loan
6.39%
60 Months
▼
APR6.39%
Term60 Months
Last UpdatedMay 29, 2026
Details
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
50 Main St, Millbury, MA, 01527
Car Loans - New And Used
6.44%
72 Months
▼
APR6.44%
Term72 Months
Last UpdatedMay 30, 2026
Details
As Low As; Car Model Year 2021
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA, 01851
New & Used Auto WITH Direct Deposit
6.49%
6 Years
▼
APR6.49%
Term6 Years
Last UpdatedMay 20, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA, 01851
New & Used Auto WITHOUT Direct Deposit
6.49%
5 Years
▼
APR6.49%
Term5 Years
Last UpdatedMay 20, 2026
Details
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.65%
100 SWIFT ST, EAST BOSTON, MA, 02128 1864
New Auto
6.49%
60 Months
▼
APR6.49%
Term60 Months
Last UpdatedMay 31, 2026
Details
As Low As
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.65%
100 SWIFT ST, EAST BOSTON, MA, 02128 1864
New Auto 5 Year term
6.49%
60 Months
▼
APR6.49%
Term60 Months
Last UpdatedMay 31, 2026
Details
As Low As
Powered by
MonitorBankRates
Massachusetts Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
St Anthony Of Padua Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.37%
806 Bedford St, Fall River, MA, 02723
Used Auto Loans - with 15% down
3.10%
36 Months
▼
APR3.10%
Term36 Months
Last UpdatedMay 29, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Logan International Airport, East Boston, MA, 02128
Used Auto
3.84%
36 Months
▼
APR3.84%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 36 Months
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
311 Chestnut St, Chelsea, MA, 02150
Used Autos 2025 - 2026
3.99%
72 Months
▼
APR3.99%
Term72 Months
Last UpdatedMay 17, 2026
Details
90% Financing
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.28%
100 Quincy Ave, Quincy, MA, 02169 6714
Pre-Owned Auto Loans
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As; APR with Auto Pay
St Anthony Of Padua Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.37%
806 Bedford St, Fall River, MA, 02723
Used Auto Loans - with 15% down
4.10%
48 Months
▼
APR4.10%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
24 Church St, Leominster, MA, 01453
New / Used Auto Loans 2022 - 2021
4.24%
60 Months
▼
APR4.24%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As; Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay.
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
24 Church St, Leominster, MA, 01453
New / Used Auto Loans 2026 - 2023
4.24%
60 Months
▼
APR4.24%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As; Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay.
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.18%
455 W Broadway, South Boston, MA, 02127 2218
Used Vehicle Loan (Model Years 2022-2024)
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As; Maximum borrowed $150,000
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.28%
100 Quincy Ave, Quincy, MA, 02169 6714
Pre-Owned Auto Loans
4.38%
48 Months
▼
APR4.38%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As; APR with Auto Pay
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.18%
455 W Broadway, South Boston, MA, 02127 2218
Used Vehicle Loan (Model Years 2022-2024)
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As; Maximum borrowed $150,000
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Logan International Airport, East Boston, MA, 02128
Used Auto
4.59%
60 Months
▼
APR4.59%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 60 months
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.28%
100 Quincy Ave, Quincy, MA, 02169 6714
Pre-Owned Auto Loans
4.62%
72 Months
▼
APR4.62%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As; APR with Auto Pay
Albright Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
1 Gillette Park, South Boston, MA, 02127 1028
Used Auto Loans
4.64%
48 Months
▼
APR4.64%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As; Model years: 2023 or newer (and 2025 with more than 7,000 miles; Up to 100% financing available
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
24 Church St, Leominster, MA, 01453
New / Used Auto Loans 2020 & Older
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As; Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay.
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
24 Church St, Leominster, MA, 01453
New / Used Auto Loans 2026 - 2023
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedMay 17, 2026
Details
As Low As; Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay.
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.18%
455 W Broadway, South Boston, MA, 02127 2218
Used Vehicle Loan (Model Years 2022-2024)
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As; Maximum borrowed $150,000
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
155 State St, Newburyport, MA, 01950
Used Car Loans 2023-2024 Models
4.74%
24 Months
▼
APR4.74%
Term24 Months
Last UpdatedMay 20, 2026
Details
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA, 02143
Used Car (2022 - 2024)
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMay 6, 2026
Details
Malden Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
10 Holden St, Malden, MA, 02148
Used Auto (Under 4 Years Old)
4.95%
4 Years
▼
APR4.95%
Term4 Years
Last UpdatedMay 22, 2026
Details
As Low As
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
311 Chestnut St, Chelsea, MA, 02150
Used Autos 2022 - 2024
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 17, 2026
Details
90% Financing
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA, 01851
New & Used Auto WITH Direct Deposit
4.99%
3 Years
▼
APR4.99%
Term3 Years
Last UpdatedMay 20, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
1250 Hancock St, Quincy, MA, 02169
Used > 25K miles Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 20, 2026
Details
Health Alliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
230 Highland Ave, Somerville, MA, 02143 1408
Used Car Loans (2023,2024)
4.99%
36-60
▼
APR4.99%
Term36-60
Last UpdatedMay 22, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.60%
87 Hale St, Lowell, MA, 01851
New/Used Auto (Model Years 2024-2026)
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 31, 2026
Details
As Low As
Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.60%
87 Hale St, Lowell, MA, 01851
Used Auto (Model Years < 2024)
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 31, 2026
Details
As Low As
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
101 Page St, New Bedford, MA, 02740
Used Automobile Loans
5.00%
24 Months
▼
APR5.00%
Term24 Months
Last UpdatedMay 22, 2026
Details
LTV MAX: 100%; FICO Score: Platinum 720+
New Bedford Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.21%
1150 Purchase St, New Bedford, MA, 02740 6635
Used Auto - 2021 - 2019 models
5.20%
36 Months
▼
APR5.20%
Term36 Months
Last UpdatedMay 31, 2026
Details
As Low As
New Bedford Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.21%
1150 Purchase St, New Bedford, MA, 02740 6635
Used Auto - 2024 - 2022 models
5.20%
36 Months
▼
APR5.20%
Term36 Months
Last UpdatedMay 31, 2026
Details
As Low As; 100% financing available
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
24 Church St, Leominster, MA, 01453
New / Used Auto Loans 2026 - 2023
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedMay 17, 2026
Details
As Low As; Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay.
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
155 State St, Newburyport, MA, 01950
Used Car Loans 2021-2022 Models
5.24%
24 Months
▼
APR5.24%
Term24 Months
Last UpdatedMay 20, 2026
Details
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
155 State St, Newburyport, MA, 01950
Used Car Loans 2023-2024 Models
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 20, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
1250 Hancock St, Quincy, MA, 02169
Used Auto Loans
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 20, 2026
Details
Used > 25K miles
Common Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
8 Cedar St, Woburn, MA, 01801 7246
Vehicle New/Used Finance up to 120% of the Value of the vehicle Loan
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA, 02143
Older Used Car (2019 - 2023)
5.25%
36 Months
▼
APR5.25%
Term36 Months
Last UpdatedMay 6, 2026
Details
Brookline Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.56%
334 WASHINGTON ST, BROOKLINE, MA, 02445 6850
Used Auto
5.25%
Up to 48 mos.
▼
APR5.25%
TermUp to 48 mos.
Last UpdatedMay 10, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA, 01851
New & Used Auto WITH Direct Deposit
5.25%
4 Years
▼
APR5.25%
Term4 Years
Last UpdatedMay 20, 2026
Details
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
101 Page St, New Bedford, MA, 02740
Used Automobile Loans
5.25%
24 Months
▼
APR5.25%
Term24 Months
Last UpdatedMay 22, 2026
Details
LTV MAX: 90%; FICO Score: B 679-660
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
50 Main St, Millbury, MA, 01527
Car Loans - New And Used
5.39%
36 Months
▼
APR5.39%
Term36 Months
Last UpdatedMay 30, 2026
Details
As Low As
Malden Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
10 Holden St, Malden, MA, 02148
Used Auto (Over 4 Years Old; No More Than 10 Years)
5.45%
4 Years
▼
APR5.45%
Term4 Years
Last UpdatedMay 22, 2026
Details
As Low As
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA, 01851
New & Used Auto WITH Direct Deposit
5.49%
5 Years
▼
APR5.49%
Term5 Years
Last UpdatedMay 20, 2026
Details
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.18%
455 W Broadway, South Boston, MA, 02127 2218
Used Vehicle Loan
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As; Maximum borrowed $50,000
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
155 State St, Newburyport, MA, 01950
Used Car Loans 2021-2022 Models
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 20, 2026
Details
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
200 Concord St, Framingham, MA, 01702 8306
Used Auto (Years 2021 - 2024)
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 22, 2026
Details
Direct Deposit Auto Pay
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
50 Main St, Millbury, MA, 01527
Car Loans - New And Used
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMay 30, 2026
Details
As Low As
Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.60%
87 Hale St, Lowell, MA, 01851
New/Used Auto (Model Years 2024-2026)
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 31, 2026
Details
As Low As
Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.60%
87 Hale St, Lowell, MA, 01851
Used Auto (Model Years 2021-2023)
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 31, 2026
Details
As Low As
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 7.09%
70 Westview St, Lexington, MA, 02421 3142
Used Auto
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedJun 1, 2026
Details
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA, 02143
Used Car (2022 - 2024)
5.50%
48 Months
▼
APR5.50%
Term48 Months
Last UpdatedMay 6, 2026
Details
Brookline Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.56%
334 WASHINGTON ST, BROOKLINE, MA, 02445 6850
Used Auto
5.50%
60 mos.
▼
APR5.50%
Term60 mos.
Last UpdatedMay 10, 2026
Details
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
101 Page St, New Bedford, MA, 02740
Used Automobile Loans
5.50%
24 Months
▼
APR5.50%
Term24 Months
Last UpdatedMay 22, 2026
Details
LTV MAX: 80%; FICO Score: C 659-640
Newburyport Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
63 State St, Newburyport, MA, 01950
Used Vehicles Loan
5.50%
48 Months
▼
APR5.50%
Term48 Months
Last UpdatedMay 29, 2026
Details
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 7.09%
70 Westview St, Lexington, MA, 02421 3142
Used Auto
5.63%
72 Months
▼
APR5.63%
Term72 Months
Last UpdatedJun 1, 2026
Details
Albright Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
1 Gillette Park, South Boston, MA, 02127 1028
Used Auto Loans
5.64%
72 Months
▼
APR5.64%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As; Up to 100% financing available
Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
950 Park St, Stoughton, MA, 02072
Auto Loans - Used
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedMay 17, 2026
Details
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
155 State St, Newburyport, MA, 01950
Used Car Loans 2023-2024 Models
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMay 20, 2026
Details
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
200 Concord St, Framingham, MA, 01702 8306
Used Auto (Years 2021 - 2024)
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedMay 22, 2026
Details
Without Direct Deposit Auto Pay
Common Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
8 Cedar St, Woburn, MA, 01801 7246
Vehicle New/Used Finance up to 120% of the Value of the vehicle Loan
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMay 22, 2026
Details
As Low As
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA, 02143
Older Used Car (2019 - 2023)
5.75%
48 Months
▼
APR5.75%
Term48 Months
Last UpdatedMay 6, 2026
Details
Brookline Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.56%
334 WASHINGTON ST, BROOKLINE, MA, 02445 6850
Used Auto
5.75%
72 mos.
▼
APR5.75%
Term72 mos.
Last UpdatedMay 10, 2026
Details
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
101 Page St, New Bedford, MA, 02740
Used Automobile Loans
5.75%
24 Months
▼
APR5.75%
Term24 Months
Last UpdatedMay 22, 2026
Details
LTV MAX: 70%; FICO Score: D 639-620
Newburyport Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
63 State St, Newburyport, MA, 01950
Used Vehicles Loan
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedMay 29, 2026
Details
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 7.09%
70 Westview St, Lexington, MA, 02421 3142
Used Mobility Vehicle Loan
5.75%
36 Months
▼
APR5.75%
Term36 Months
Last UpdatedJun 1, 2026
Details
Albright Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
1 Gillette Park, South Boston, MA, 02127 1028
Used Auto Loans
5.90%
36 Months
▼
APR5.90%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As; Model years: 2021 -2022 (older considered on case by case basis); Up to 100% financing available
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
50 Main St, Millbury, MA, 01527
Car Loans - New And Used
5.94%
36 Months
▼
APR5.94%
Term36 Months
Last UpdatedMay 30, 2026
Details
As Low As; Car Model Year 2021
Fall River Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
333 Milliken Blvd, Fall River, MA, 02721
Used Auto (2022-2024)
5.95%
60 Months
▼
APR5.95%
Term60 Months
Last UpdatedMay 20, 2026
Details
Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
950 Park St, Stoughton, MA, 02072
Auto Loans - Used
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 17, 2026
Details
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
311 Chestnut St, Chelsea, MA, 02150
Used Autos 2019 - 2021
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 17, 2026
Details
90% Financing
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA, 01851
New & Used Auto WITHOUT Direct Deposit
5.99%
3 Years
▼
APR5.99%
Term3 Years
Last UpdatedMay 20, 2026
Details
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.18%
455 W Broadway, South Boston, MA, 02127 2218
Used Vehicle Loan
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As; Maximum borrowed $50,000
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
155 State St, Newburyport, MA, 01950
Used Car Loans 2021-2022 Models
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 20, 2026
Details
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
200 Concord St, Framingham, MA, 01702 8306
Used Auto (Years 2021 - 2024)
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 22, 2026
Details
Direct Deposit Auto Pay
Health Alliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
230 Highland Ave, Somerville, MA, 02143 1408
Used Car Loans (2020,2021,2022)
5.99%
36-60
▼
APR5.99%
Term36-60
Last UpdatedMay 22, 2026
Details
Health Alliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
230 Highland Ave, Somerville, MA, 02143 1408
Used Car Loans (2023,2024)
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 22, 2026
Details
Common Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
8 Cedar St, Woburn, MA, 01801 7246
Vehicle Used Finance up to 120% of the Value of the vehicle Loan
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
North Brookfield SB
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
9 Gilbert St, North Brookfield, MA, 01535
New/Used Auto Loan
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedMay 29, 2026
Details
St Anthony Of Padua Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.37%
806 Bedford St, Fall River, MA, 02723
Used Auto Loans - with 15% down Vehicles 1 - 5 years old
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As; Maximum term to 48 months
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
50 Main St, Millbury, MA, 01527
Car Loans - New And Used
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 30, 2026
Details
As Low As
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA, 02143
Used Car (2022 - 2024)
6.00%
60 Months
▼
APR6.00%
Term60 Months
Last UpdatedMay 6, 2026
Details
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
659 Eastern Ave, Fall River, MA, 02723
Used Autos
6.00%
24 Months
▼
APR6.00%
Term24 Months
Last UpdatedMay 17, 2026
Details
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
101 Page St, New Bedford, MA, 02740
Used Automobile Loans
6.00%
24 Months
▼
APR6.00%
Term24 Months
Last UpdatedMay 22, 2026
Details
LTV MAX: 60%; FICO Score: E < 619
Somerset Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
740 County St, Somerset, MA, 02726
New & Used Auto Loan
6.00%
12 Months to 72 Months
▼
APR6.00%
Term12 Months to 72 Months
Last UpdatedMay 30, 2026
Details
As Low As
Albright Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
1 Gillette Park, South Boston, MA, 02127 1028
Used Auto Loans
6.15%
48 Months
▼
APR6.15%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As; Up to 100% financing available
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
200 Concord St, Framingham, MA, 01702 8306
Used Auto (Years 2021 - 2024)
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedMay 22, 2026
Details
Without Direct Deposit Auto Pay
Common Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
8 Cedar St, Woburn, MA, 01801 7246
Vehicle Used Finance up to 120% of the Value of the vehicle Loan
6.24%
60 Months
▼
APR6.24%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; Maximum $75,000
North Brookfield SB
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
9 Gilbert St, North Brookfield, MA, 01535
New/Used Auto Loan
6.24%
48 Months
▼
APR6.24%
Term48 Months
Last UpdatedMay 29, 2026
Details
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA, 02143
Older Used Car (2019 - 2023)
6.25%
60 Months
▼
APR6.25%
Term60 Months
Last UpdatedMay 6, 2026
Details
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
659 Eastern Ave, Fall River, MA, 02723
Used Autos
6.25%
36 Months
▼
APR6.25%
Term36 Months
Last UpdatedMay 17, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA, 01851
New & Used Auto WITHOUT Direct Deposit
6.25%
4 Years
▼
APR6.25%
Term4 Years
Last UpdatedMay 20, 2026
Details
New Bedford Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.21%
1150 Purchase St, New Bedford, MA, 02740 6635
Used Auto - 2024 - 2022 models
6.25%
75 Months
▼
APR6.25%
Term75 Months
Last UpdatedMay 31, 2026
Details
As Low As; 100% financing available
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
5 Cheshire Rd, Pittsfield, MA, 01201
Auto Loans: Used Vehicle
6.25%
5 Years
▼
APR6.25%
Term5 Years
Last UpdatedJun 3, 2026
Details
North Brookfield SB
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
9 Gilbert St, North Brookfield, MA, 01535
New/Used Auto Loan
6.39%
60 Months
▼
APR6.39%
Term60 Months
Last UpdatedMay 29, 2026
Details
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
50 Main St, Millbury, MA, 01527
Car Loans - New And Used
6.44%
72 Months
▼
APR6.44%
Term72 Months
Last UpdatedMay 30, 2026
Details
As Low As; Car Model Year 2021
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA, 01851
New & Used Auto WITH Direct Deposit
6.49%
6 Years
▼
APR6.49%
Term6 Years
Last UpdatedMay 20, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA, 01851
New & Used Auto WITHOUT Direct Deposit
6.49%
5 Years
▼
APR6.49%
Term5 Years
Last UpdatedMay 20, 2026
Details
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.59%
40 Pine St, Stoneham, MA, 02180 2048
Used Automobile
6.49%
12-72
▼
APR6.49%
Term12-72
Last UpdatedMay 22, 2026
Details
Up To $50,000; 90% NADA value; Years 2020-2026
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.65%
100 SWIFT ST, EAST BOSTON, MA, 02128 1864
Used Auto
6.49%
48 Months
▼
APR6.49%
Term48 Months
Last UpdatedMay 31, 2026
Details
As Low As
Powered by
MonitorBankRates
Massachusetts Auto Loan Rate Trends
Compare local Massachusetts 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.
New Auto Loan — MA Avg
6.408%
▼ 0.011 vs 7 days ago
Massachusetts new auto rates fell 0.011 points over the past 7 days to 6.408% APR.
Used Auto Loan — MA Avg
6.668%
▲ 0.361 vs 7 days ago
Massachusetts used auto rates rose 0.361 points over the past 7 days to 6.668% APR.
As of Jun 4, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Massachusetts 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.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Massachusetts 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 Massachusetts. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in MA.
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.
Frequently Asked Questions about Auto Loans in Massachusetts
How does my credit score affect my car loan rate in Massachusetts?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Massachusetts with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.
Is it better to finance through a dealership or a bank?
It is highly recommended to get pre-approved through a local bank or credit union in Massachusetts *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.
What is the difference between New and Used Auto Loan rates?
Lenders in Massachusetts typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
What are the best Auto Loan rates in Massachusetts?
Based on our current data, some of the lowest auto loan rates available in Massachusetts include:
- St Anthony Of Padua Federal Credit Union: 3.10% (Used Auto Loans - with 15% down)
- Baxter Credit Union: 3.24% (Auto Loans)
- American Airlines Federal Credit Union: 3.34% (New Auto)
- Chelsea Employees Federal Credit Union: 3.99% (New Autos)
- Quincy Credit Union: 3.99% (New Auto Loans)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Massachusetts. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: June 3, 2026
Auto Loan Rates by City in Massachusetts
Rate Assistant
MonitorBankRates.com · Live Data
Try asking