Auto Loan Rates in Massachusetts (MA) for July 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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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.
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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 at 3.10%, 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%, PIONEER VALLEYPIONEER VALLEY246 Brookdale Dr, Springfield, MA, 01104A+5.0 ★Texas Ratio: 3.22% offering Vehicle Loan at 3.99%. Auto loan rates as of July 16, 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: July 16, 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
3.10%
36 months
▼
APR3.10%
Term36 months
Last UpdatedJul 15, 2026
Details
As Low As; Maximum term to 36 months
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%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedJul 15, 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
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
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 UpdatedJul 6, 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 UpdatedJul 6, 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%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedJul 7, 2026
Details
APR with Auto Pay As Low As*
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%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedJul 7, 2026
Details
APR with Auto Pay 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 UpdatedJul 14, 2026
Details
As Low As; 1
Greater Springfield Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.04%
1030 Wilbraham Rd, Springfield, MA, 01109
New Auto Loan
3.99%
3 Year
▼
APR3.99%
Term3 Year
Last UpdatedJul 16, 2026
Details
As Low As; Fixed APR
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%
Up to 60 months
▼
APR4.09%
TermUp to 60 months
Last UpdatedJul 15, 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
4.10%
48 months
▼
APR4.10%
Term48 months
Last UpdatedJul 15, 2026
Details
As Low As; Maximum term to 48 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
4.24%
60 months
▼
APR4.24%
Term60 months
Last UpdatedJul 6, 2026
Details
As Low As; 100% financing available for qualified vehicles. Used Vehicle rates are based on J.D. Power book value. 84 Month Term for qualified vehicles and borrowers only. All rates are subject to change without notice.
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 UpdatedJul 6, 2026
Details
As Low As; 1.00% discount for automatic monthly payment; All rates are subject to change without notice.
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 UpdatedJul 6, 2026
Details
As Low As; 1.00% discount for automatic monthly payment; All rates are subject to change without notice.
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
24 Church St, Leominster, MA, 01453
New Vehicle Loan
4.24%
60 Months
▼
APR4.24%
Term60 Months
Last UpdatedJul 6, 2026
Details
As Low As; Certain restrictions apply.
Worcester Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
520 W Boylston St, Worcester, MA, 01606 2026
Vehicle Loans
4.24%
up to 4 yr term
▼
APR4.24%
Termup to 4 yr term
Last UpdatedJul 16, 2026
Details
As Low As; New/Used, Buy/Refi*; Other great rates & terms available; APPLY - Drive Down Your Payments
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.18%
455 W Broadway, South Boston, MA, 02127 2218
New** and Used Vehicle Loan
4.24%
Up to 48 Months
▼
APR4.24%
TermUp to 48 Months
Last UpdatedJul 16, 2026
Details
As low as 4.24% up to 7.99%
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.18%
455 W Broadway, South Boston, MA, 02127 2218
Used Vehicle 2022-2024 Loan
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedJul 16, 2026
Details
As low as 4.24% up to 7.99%
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
271 Greenwood St, Worcester, MA, 01607
Auto Loan - Model Year 2023-27 - 36 Month
4.39%
36 Month
▼
APR4.39%
Term36 Month
Last UpdatedJul 15, 2026
Details
Albright Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
1 Gillette Park, South Boston, MA, 02127 1028
New Auto Loans
4.44%
up to 60 months
▼
APR4.44%
Termup to 60 months
Last UpdatedJul 11, 2026
Details
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 UpdatedJul 11, 2026
Details
Annual Percentage Rate (APR) effective 6/1/26. Published rates reflects a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply.
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.18%
455 W Broadway, South Boston, MA, 02127 2218
New** and Used Vehicle Loan
4.49%
49 - 71 Months
▼
APR4.49%
Term49 - 71 Months
Last UpdatedJul 16, 2026
Details
As low as 4.49% up to 8.24%
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.18%
455 W Broadway, South Boston, MA, 02127 2218
Used Vehicle 2022-2024 Loan
4.49%
37 - 60 Months
▼
APR4.49%
Term37 - 60 Months
Last UpdatedJul 16, 2026
Details
As low as 4.49% up to 8.24%
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.28%
100 Quincy Ave, Quincy, MA, 02169 6714
New Auto Loans
4.50%
37 - 48 months
▼
APR4.50%
Term37 - 48 months
Last UpdatedJul 7, 2026
Details
APR with Auto Pay As Low As*
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.28%
100 Quincy Ave, Quincy, MA, 02169 6714
Pre-Owned Auto Loans
4.50%
37 - 48 months
▼
APR4.50%
Term37 - 48 months
Last UpdatedJul 7, 2026
Details
APR with Auto Pay As Low As*
Attleboro Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
138 S Main St, Attleboro, MA, 02703 3909
New Automobile Loans
4.50%
Up to 60 Months
▼
APR4.50%
TermUp to 60 Months
Last UpdatedJul 15, 2026
Details
100% or up to 125% Financing & VSI/$125,000 Maximum
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%
Up to 60 months
▼
APR4.59%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
Albright Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
1 Gillette Park, South Boston, MA, 02127 1028
New Auto Loans
4.64%
61-72 months
▼
APR4.64%
Term61-72 months
Last UpdatedJul 11, 2026
Details
Model year: 2025 or newer with less than 7,000 miles; 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%
up to 48 months
▼
APR4.64%
Termup to 48 months
Last UpdatedJul 11, 2026
Details
Model years: 2023 or newer (and 2025 with more than 7,000 miles); Up to 100% financing available
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
271 Greenwood St, Worcester, MA, 01607
Auto Loan - Model Year 2022 - 36 Month
4.64%
36 Month
▼
APR4.64%
Term36 Month
Last UpdatedJul 15, 2026
Details
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
24 Church St, Leominster, MA, 01453
New / Used Auto Loans
4.74%
72 months
▼
APR4.74%
Term72 months
Last UpdatedJul 6, 2026
Details
As Low As; 100% financing available for qualified vehicles. Used Vehicle rates are based on J.D. Power book value. 84 Month Term for qualified vehicles and borrowers only. All rates are subject to change without notice.
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 UpdatedJul 6, 2026
Details
As Low As; 1.00% discount for automatic monthly payment; All rates are subject to change without notice.
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 UpdatedJul 6, 2026
Details
As Low As; 1.00% discount for automatic monthly payment; All rates are subject to change without notice.
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
24 Church St, Leominster, MA, 01453
New Vehicle Loan
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedJul 6, 2026
Details
As Low As; Certain restrictions apply.
BrightBridge Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2 Seaport Ln Ste 1400, Boston, MA, 02210 2001
Auto Loans - Model Years 2026 - 2021
4.74%
Up to 36 months
▼
APR4.74%
TermUp to 36 months
Last UpdatedJul 7, 2026
Details
As Low As; Offer valid on auto loans originated on or after January 1, 2026. To qualify for these rates, newly established direct deposit relationships of a minimum of $1,000 per month into any deposit account must be initiated within 45 days of loan closing. If the direct deposit is not established or is discontinued, the interest rate will increase by 0.50%. Direct deposit includes deposits from employer payroll, government benefits, retirement payments or pensions. Not applicable to Line of credit, revolving or credit products. Promotional discount offering may be withdrawn at any time. Additional rates and terms are available. Advertised rate(s) available on New & Used Vehicle Loans of Model Year 2021 or Newer with a maximum loan to value (LTV) of 100% or less.
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 UpdatedJul 11, 2026
Details
Annual Percentage Rate (APR) effective 6/1/26. Published rates reflect a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply.
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.18%
455 W Broadway, South Boston, MA, 02127 2218
New** and Used Vehicle Loan
4.74%
72 - 84 Months
▼
APR4.74%
Term72 - 84 Months
Last UpdatedJul 16, 2026
Details
As low as 4.74% up to 8.74%
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.18%
455 W Broadway, South Boston, MA, 02127 2218
Used Vehicle 2022-2024 Loan
4.74%
61-72 Months
▼
APR4.74%
Term61-72 Months
Last UpdatedJul 16, 2026
Details
As low as 4.74% up to 8.74%
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.28%
100 Quincy Ave, Quincy, MA, 02169 6714
New Auto Loans
4.75%
49 - 72 months
▼
APR4.75%
Term49 - 72 months
Last UpdatedJul 7, 2026
Details
APR with Auto Pay As Low As*
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.28%
100 Quincy Ave, Quincy, MA, 02169 6714
Pre-Owned Auto Loans
4.75%
49 - 72 months
▼
APR4.75%
Term49 - 72 months
Last UpdatedJul 7, 2026
Details
APR with Auto Pay As Low As*
Attleboro Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
138 S Main St, Attleboro, MA, 02703 3909
New Automobile Loans
4.75%
Up to 72 Months
▼
APR4.75%
TermUp to 72 Months
Last UpdatedJul 15, 2026
Details
100% or up to 125% Financing & VSI/$125,000 Maximum
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
271 Greenwood St, Worcester, MA, 01607
Auto Loan - Model Year 2021 - 36 Month
4.89%
36 Month
▼
APR4.89%
Term36 Month
Last UpdatedJul 15, 2026
Details
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
271 Greenwood St, Worcester, MA, 01607
Auto Loan - Model Year 2023-27 - 48 Month
4.89%
48 Month
▼
APR4.89%
Term48 Month
Last UpdatedJul 15, 2026
Details
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 UpdatedJul 6, 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 UpdatedJul 7, 2026
Details
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.94%
30 Pond St, Sharon, MA, 02067 2040
Auto Loans
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedJul 7, 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 UpdatedJul 11, 2026
Details
Annual Percentage Rate (APR) effective 6/1/26. Published rates reflects a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply.
BrightBridge Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2 Seaport Ln Ste 1400, Boston, MA, 02210 2001
Auto Loans - Model Years 2026 - 2021
4.99%
37 to 48 months
▼
APR4.99%
Term37 to 48 months
Last UpdatedJul 7, 2026
Details
As Low As; Offer valid on auto loans originated on or after January 1, 2026. To qualify for these rates, newly established direct deposit relationships of a minimum of $1,000 per month into any deposit account must be initiated within 45 days of loan closing. If the direct deposit is not established or is discontinued, the interest rate will increase by 0.50%. Direct deposit includes deposits from employer payroll, government benefits, retirement payments or pensions. Not applicable to Line of credit, revolving or credit products. Promotional discount offering may be withdrawn at any time. Additional rates and terms are available. Advertised rate(s) available on New & Used Vehicle Loans of Model Year 2021 or Newer with a maximum loan to value (LTV) of 100% or less.
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 UpdatedJul 11, 2026
Details
As Low As
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%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedJul 11, 2026
Details
Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
950 Park St, Stoughton, MA, 02072
Auto Loans - New
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedJul 12, 2026
Details
Vehicle Years: 2025 - 2026
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 UpdatedJul 14, 2026
Details
As Low As; 1
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 UpdatedJul 14, 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%
Maximum term to 60 months
▼
APR4.99%
TermMaximum term to 60 months
Last UpdatedJul 15, 2026
Details
As Low As
Norfolk Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
18 Union St Ste 104, Norfolk, MA, 02056 1855
NEW Auto Loan
4.99%
Up to 72 months
▼
APR4.99%
TermUp to 72 months
Last UpdatedJul 15, 2026
Details
As Low As; Maximum Amount: $65,000
Morton Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
88 washington st, taunton, MA, 02780 2465
New Cars Loan
4.99%
up to 7 years
▼
APR4.99%
Termup to 7 years
Last UpdatedJul 15, 2026
Details
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
271 Greenwood St, Worcester, MA, 01607
Auto Loan - Model Year 2022 - 48 Month
4.99%
48 Month
▼
APR4.99%
Term48 Month
Last UpdatedJul 15, 2026
Details
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 UpdatedJul 16, 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 UpdatedJul 16, 2026
Details
Rates 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 UpdatedJul 16, 2026
Details
Rates 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 UpdatedJul 16, 2026
Details
As Low As; *
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.18%
455 W Broadway, South Boston, MA, 02127 2218
Used Vehicle 2021 Loan
4.99%
Up to 36 Months
▼
APR4.99%
TermUp to 36 Months
Last UpdatedJul 16, 2026
Details
As low as 4.99% up to 8.99%
Greater Springfield Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.04%
1030 Wilbraham Rd, Springfield, MA, 01109
New Auto Loan
4.99%
4 Year
▼
APR4.99%
Term4 Year
Last UpdatedJul 16, 2026
Details
As Low As; Fixed APR
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
659 Eastern Ave, Fall River, MA, 02723
New Autos 24 Months
5.00%
24 Months
▼
APR5.00%
Term24 Months
Last UpdatedJul 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
5.00%
73 - 84 months
▼
APR5.00%
Term73 - 84 months
Last UpdatedJul 7, 2026
Details
APR with Auto Pay 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
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedJul 14, 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
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedJul 14, 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 UpdatedJul 15, 2026
Details
LTV MAX: 100%; FICO Score: Platinum 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 UpdatedJul 15, 2026
Details
LTV MAX: 100%; FICO Score: Platinum 720+
Attleboro Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
138 S Main St, Attleboro, MA, 02703 3909
New Automobile Loans
5.00%
Up to 84 Months
▼
APR5.00%
TermUp to 84 Months
Last UpdatedJul 15, 2026
Details
100% or up to 125% Financing & VSI/$125,000 Maximum
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
271 Greenwood St, Worcester, MA, 01607
Auto Loan - Model Year 2023-27 - 66 Month
5.14%
66 Month
▼
APR5.14%
Term66 Month
Last UpdatedJul 15, 2026
Details
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
271 Greenwood St, Worcester, MA, 01607
Auto Loan - Model Year 2022 - 66 Month
5.19%
66 Month
▼
APR5.19%
Term66 Month
Last UpdatedJul 15, 2026
Details
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 UpdatedJul 16, 2026
Details
As Low As; 100% financing available
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 UpdatedJul 16, 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
5.24%
84 months
▼
APR5.24%
Term84 months
Last UpdatedJul 6, 2026
Details
As Low As; 100% financing available for qualified vehicles. Used Vehicle rates are based on J.D. Power book value. 84 Month Term for qualified vehicles and borrowers only. All rates are subject to change without notice.
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 UpdatedJul 6, 2026
Details
As Low As; 1.00% discount for automatic monthly payment; All rates are subject to change without notice.
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 UpdatedJul 11, 2026
Details
Annual Percentage Rate (APR) effective 6/1/26. Published rates reflect a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply.
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 UpdatedJul 11, 2026
Details
Annual Percentage Rate (APR) effective 6/1/26. Published rates reflect a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply.
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 months
▼
APR5.24%
Term61 to 72 months
Last UpdatedJul 11, 2026
Details
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 7.09%
70 Westview St, Lexington, MA, 02421 3142
Used Auto
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedJul 14, 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
5.24%
Up to 60 Months
▼
APR5.24%
TermUp to 60 Months
Last UpdatedJul 15, 2026
Details
As Low As; Year: 2024-2026
Greater Springfield Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.04%
1030 Wilbraham Rd, Springfield, MA, 01109
New Auto Loan
5.24%
6 Year
▼
APR5.24%
Term6 Year
Last UpdatedJul 16, 2026
Details
As Low As; Fixed APR
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
659 Eastern Ave, Fall River, MA, 02723
New Autos 36 Months
5.25%
36 Months
▼
APR5.25%
Term36 Months
Last UpdatedJul 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 48 Months
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedJul 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 60 Months
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedJul 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
5.25%
24 Months
▼
APR5.25%
Term24 Months
Last UpdatedJul 6, 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 UpdatedJul 7, 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 UpdatedJul 14, 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
5.25%
24 months
▼
APR5.25%
Term24 months
Last UpdatedJul 15, 2026
Details
LTV MAX: 90%; FICO Score: B 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 UpdatedJul 15, 2026
Details
LTV MAX: 90%; FICO Score: B 679-660
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 months
▼
APR5.25%
Term1-48 months
Last UpdatedJul 15, 2026
Details
Up To $60,000; 100% NADA value; Years 2025-2026; Maximum mileage up to 8,000
Greylock Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.81%
150 West St, Pittsfield, MA, 01201
Auto Loan 2023 and newer vehicles
5.29%
6 Years
▼
APR5.29%
Term6 Years
Last UpdatedJul 15, 2026
Details
0.50% discount for new and used Electronic Vehicles (excluding Hybrids).
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 7.09%
70 Westview St, Lexington, MA, 02421 3142
Used Auto
5.38%
72 Months
▼
APR5.38%
Term72 Months
Last UpdatedJul 14, 2026
Details
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
271 Greenwood St, Worcester, MA, 01607
Auto Loan - Model Year 2021 - 48 Month
5.39%
48 Month
▼
APR5.39%
Term48 Month
Last UpdatedJul 15, 2026
Details
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
271 Greenwood St, Worcester, MA, 01607
Auto Loan - Model Year 2022 - 75 Month
5.44%
75 Month
▼
APR5.44%
Term75 Month
Last UpdatedJul 15, 2026
Details
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
271 Greenwood St, Worcester, MA, 01607
Auto Loan - Model Year 2023-27 - 75 Month
5.44%
75 Month
▼
APR5.44%
Term75 Month
Last UpdatedJul 15, 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 UpdatedJul 7, 2026
Details
BrightBridge Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2 Seaport Ln Ste 1400, Boston, MA, 02210 2001
Auto Loans - Model Years 2026 - 2021
5.49%
67 to 75 months
▼
APR5.49%
Term67 to 75 months
Last UpdatedJul 7, 2026
Details
As Low As; Offer valid on auto loans originated on or after January 1, 2026. To qualify for these rates, newly established direct deposit relationships of a minimum of $1,000 per month into any deposit account must be initiated within 45 days of loan closing. If the direct deposit is not established or is discontinued, the interest rate will increase by 0.50%. Direct deposit includes deposits from employer payroll, government benefits, retirement payments or pensions. Not applicable to Line of credit, revolving or credit products. Promotional discount offering may be withdrawn at any time. Additional rates and terms are available. Advertised rate(s) available on New & Used Vehicle Loans of Model Year 2021 or Newer with a maximum loan to value (LTV) of 100% or less.
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 UpdatedJul 11, 2026
Details
Annual Percentage Rate (APR) effective 6/1/26. Published rates reflect a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply.
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%
Up to 60 months
▼
APR5.49%
TermUp to 60 months
Last UpdatedJul 11, 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) Up to 60 months
5.49%
Up to 60 months
▼
APR5.49%
TermUp to 60 months
Last UpdatedJul 11, 2026
Details
Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
950 Park St, Stoughton, MA, 02072
Auto Loans - Used
5.49%
Up to 60 months
▼
APR5.49%
TermUp to 60 months
Last UpdatedJul 12, 2026
Details
Vehicle Years: 2022 - 2025
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 UpdatedJul 14, 2026
Details
As Low As; 1
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%
Up to 60 Months
▼
APR5.49%
TermUp to 60 Months
Last UpdatedJul 15, 2026
Details
As Low As; Year: 2024-2026
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 UpdatedJul 16, 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 UpdatedJul 16, 2026
Details
Rates 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 UpdatedJul 16, 2026
Details
Rates as low as; **
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.18%
455 W Broadway, South Boston, MA, 02127 2218
Used Vehicle 2020 Loan
5.49%
Up to 36 Months
▼
APR5.49%
TermUp to 36 Months
Last UpdatedJul 16, 2026
Details
As low as 5.49% up to 9.24%
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
659 Eastern Ave, Fall River, MA, 02723
New Autos 72 Months
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedJul 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
5.50%
36 Months
▼
APR5.50%
Term36 Months
Last UpdatedJul 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 Loan
5.50%
7 year(s)
▼
APR5.50%
Term7 year(s)
Last UpdatedJul 6, 2026
Details
Model Yrs: 2024 - 2025; Credit Score: 700-850; Debt Ratio: 42 %; MAX: $ 100,000
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 months
▼
APR5.50%
Term12-60 months
Last UpdatedJul 12, 2026
Details
Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
950 Park St, Stoughton, MA, 02072
Auto Loans - New
5.50%
72 months
▼
APR5.50%
Term72 months
Last UpdatedJul 12, 2026
Details
Vehicle Years: 2025 - 2026
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 7.09%
70 Westview St, Lexington, MA, 02421 3142
New Auto
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedJul 14, 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
5.50%
36 Months
▼
APR5.50%
Term36 Months
Last UpdatedJul 14, 2026
Details
Pentucket Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA, 01830
Auto Loan
5.50%
48 Months
▼
APR5.50%
Term48 Months
Last UpdatedJul 14, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
63 State St, Newburyport, MA, 01950
New Vehicles Loan
5.50%
48 Months
▼
APR5.50%
Term48 Months
Last UpdatedJul 14, 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 UpdatedJul 15, 2026
Details
LTV MAX: 80%; FICO Score: C 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 UpdatedJul 15, 2026
Details
LTV MAX: 80%; FICO Score: C 659-640
Somerset Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
740 County St, Somerset, MA, 02726
New & Used Auto Loan
5.50%
12 Months to 72 Months
▼
APR5.50%
Term12 Months to 72 Months
Last UpdatedJul 15, 2026
Details
As Low As
Albright Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
1 Gillette Park, South Boston, MA, 02127 1028
New Auto Loans
5.64%
73-84 months
▼
APR5.64%
Term73-84 months
Last UpdatedJul 11, 2026
Details
Model year: 2025 or newer with less than 7,000 miles; 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%
61-72 months
▼
APR5.64%
Term61-72 months
Last UpdatedJul 11, 2026
Details
Model years: 2023 or newer (and 2025 with more than 7,000 miles); Up to 100% financing available
Rockland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
241 Union St, Rockland, MA, 02370
Auto Loan - New & Used (2023-2027)
5.64%
48 Month
▼
APR5.64%
Term48 Month
Last UpdatedJul 15, 2026
Details
As Low As; APR**
Rockland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
241 Union St, Rockland, MA, 02370
Auto Loan - Used (2021-2022)
5.64%
48 Month
▼
APR5.64%
Term48 Month
Last UpdatedJul 15, 2026
Details
As Low As; APR**
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
271 Greenwood St, Worcester, MA, 01607
Auto Loan - Model Year 2021 - 66 Month
5.64%
66 Month
▼
APR5.64%
Term66 Month
Last UpdatedJul 15, 2026
Details
Rockland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
241 Union St, Rockland, MA, 02370
Auto Loan - Used (2019-2020)
5.69%
48 Month
▼
APR5.69%
Term48 Month
Last UpdatedJul 15, 2026
Details
As Low As; APR**
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
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedJul 11, 2026
Details
Annual Percentage Rate (APR) effective 6/1/26. Published rates reflects a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply.
Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
950 Park St, Stoughton, MA, 02072
Auto Loans - Used
5.74%
Up to 60 months
▼
APR5.74%
TermUp to 60 months
Last UpdatedJul 12, 2026
Details
Vehicle Years: 2018 - 2021
New England Teamsters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.03%
1 Wall St Ste 402, Burlington, MA, 01803
New Auto Loan
5.74%
3 Year Term
▼
APR5.74%
Term3 Year Term
Last UpdatedJul 15, 2026
Details
As Low As; Age of Vehicle: 2023 and Newer
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%
Up to 61-84 Months
▼
APR5.74%
TermUp to 61-84 Months
Last UpdatedJul 15, 2026
Details
As Low As; Year: 2024-2026
Rockland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
241 Union St, Rockland, MA, 02370
Auto Loan - New & Used (2023-2027)
5.74%
72 Month
▼
APR5.74%
Term72 Month
Last UpdatedJul 15, 2026
Details
As Low As; APR**
Rockland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
241 Union St, Rockland, MA, 02370
Auto Loan - Used (2021-2022)
5.74%
72 Month
▼
APR5.74%
Term72 Month
Last UpdatedJul 15, 2026
Details
As Low As; APR**
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
659 Eastern Ave, Fall River, MA, 02723
Used Autos
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedJul 6, 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
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedJul 14, 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 UpdatedJul 14, 2026
Details
As Low As
Pentucket Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA, 01830
Auto Loan
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedJul 14, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
63 State St, Newburyport, MA, 01950
New Vehicles Loan
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedJul 14, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
63 State St, Newburyport, MA, 01950
Used Vehicles Loan
5.75%
48 Months
▼
APR5.75%
Term48 Months
Last UpdatedJul 14, 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 UpdatedJul 15, 2026
Details
LTV MAX: 70%; FICO Score: D 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 UpdatedJul 15, 2026
Details
LTV MAX: 70%; FICO Score: D 639-620
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 UpdatedJul 16, 2026
Details
As Low As; **
Greylock Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.81%
150 West St, Pittsfield, MA, 01201
Auto Loan 2020-2022
5.79%
6 Years
▼
APR5.79%
Term6 Years
Last UpdatedJul 15, 2026
Details
0.50% discount for new and used Electronic Vehicles (excluding Hybrids).
Rockland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
241 Union St, Rockland, MA, 02370
Auto Loan - Used (2017-2018)
5.89%
48 Month
▼
APR5.89%
Term48 Month
Last UpdatedJul 15, 2026
Details
As Low As; APR**
Albright Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
1 Gillette Park, South Boston, MA, 02127 1028
Used Auto Loans
5.90%
up to 36 months
▼
APR5.90%
Termup to 36 months
Last UpdatedJul 11, 2026
Details
Model years: 2021 -2022 (older considered on case by case basis); Up to 100% financing available
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 UpdatedJul 6, 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
5.99%
3 Years
▼
APR5.99%
Term3 Years
Last UpdatedJul 7, 2026
Details
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 UpdatedJul 11, 2026
Details
Annual Percentage Rate (APR) effective 6/1/26. Published rates reflect a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply.
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 UpdatedJul 12, 2026
Details
Vehicle Years: 2022 - 2025
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 UpdatedJul 14, 2026
Details
As Low As; 1
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
5.99%
Up to 48 months
▼
APR5.99%
TermUp to 48 months
Last UpdatedJul 15, 2026
Details
Vehicles 1 - 5 years old
New England Teamsters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.03%
1 Wall St Ste 402, Burlington, MA, 01803
New Auto Loan
5.99%
4 Year Term
▼
APR5.99%
Term4 Year Term
Last UpdatedJul 15, 2026
Details
As Low As; Age of Vehicle: 2023 and Newer
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 months
▼
APR5.99%
Term49-72 months
Last UpdatedJul 15, 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%
Up to 61-84 Months
▼
APR5.99%
TermUp to 61-84 Months
Last UpdatedJul 15, 2026
Details
As Low As; Year: 2024-2026
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%
Up to 60 Months
▼
APR5.99%
TermUp to 60 Months
Last UpdatedJul 15, 2026
Details
As Low As; Year: 2019-2023
Morton Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
88 washington st, taunton, MA, 02780 2465
Used Cars Loan
5.99%
up to 6 years
▼
APR5.99%
Termup to 6 years
Last UpdatedJul 15, 2026
Details
Massachusetts Family Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
51 Willow St, Lynn, MA, 01901
New Vehicle (60 month) Loan
5.99%
60 month
▼
APR5.99%
Term60 month
Last UpdatedJul 16, 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 2019 Loan
5.99%
Up to 36 Months
▼
APR5.99%
TermUp to 36 Months
Last UpdatedJul 16, 2026
Details
As low as 5.99% up to 9.74%
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.18%
455 W Broadway, South Boston, MA, 02127 2218
Used Vehicle 2020 Loan
5.99%
37 - 48 Months
▼
APR5.99%
Term37 - 48 Months
Last UpdatedJul 16, 2026
Details
As low as 5.99% up to 9.49%
Pentucket Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA, 01830
Auto Loan
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedJul 14, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
63 State St, Newburyport, MA, 01950
New Vehicles Loan
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedJul 14, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
63 State St, Newburyport, MA, 01950
Used Vehicles Loan
6.00%
60 Months
▼
APR6.00%
Term60 Months
Last UpdatedJul 14, 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 UpdatedJul 15, 2026
Details
LTV MAX: 60%; FICO Score: E < 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 UpdatedJul 15, 2026
Details
LTV MAX: 60%; FICO Score: E < 619
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 UpdatedJul 16, 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
Used Vehicles 2010 - 2023 Loan
6.10%
6 year(s)
▼
APR6.10%
Term6 year(s)
Last UpdatedJul 6, 2026
Details
Tier 1; Credit Score 700-850; Debt Ratio 42 %; MAX $ 85,000
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 UpdatedJul 14, 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 UpdatedJul 14, 2026
Details
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
271 Greenwood St, Worcester, MA, 01607
Auto Loan - Model Year 2020 - 66 Month
6.14%
66 Month
▼
APR6.14%
Term66 Month
Last UpdatedJul 15, 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%
37-48 months
▼
APR6.15%
Term37-48 months
Last UpdatedJul 11, 2026
Details
Model years: 2021 -2022 (older considered on case by case basis); 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 months
▼
APR6.24%
Term73 to 84 months
Last UpdatedJul 11, 2026
Details
Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
950 Park St, Stoughton, MA, 02072
Auto Loans - New
6.24%
84 months
▼
APR6.24%
Term84 months
Last UpdatedJul 12, 2026
Details
Vehicle Years: 2025 - 2026
New England Teamsters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.03%
1 Wall St Ste 402, Burlington, MA, 01803
Used Auto Loan
6.24%
3 Year Term
▼
APR6.24%
Term3 Year Term
Last UpdatedJul 15, 2026
Details
As Low As; Age of Vehicle: 2018 - 2022
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%
Up to 60 Months
▼
APR6.24%
TermUp to 60 Months
Last UpdatedJul 15, 2026
Details
As Low As; Year: 2019-2023
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 UpdatedJul 16, 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 UpdatedJul 16, 2026
Details
As Low As; Cost Per Thousand: $23.60
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.18%
455 W Broadway, South Boston, MA, 02127 2218
Used Vehicle 2019 Loan
6.24%
37 - 48 Months
▼
APR6.24%
Term37 - 48 Months
Last UpdatedJul 16, 2026
Details
As low as 6.24% up to 9.99%
Lowell Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
375 Merrimack St, Lowell, MA, 01852 5909
New Vehicles Loan
6.25%
7 year(s)
▼
APR6.25%
Term7 year(s)
Last UpdatedJul 6, 2026
Details
Model Yrs: 2024 - 2025; Credit Score: 600-699; Debt Ratio: 38 %; MAX: $ 100,000
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA, 01851
New & Used Auto
6.25%
4 Years
▼
APR6.25%
Term4 Years
Last UpdatedJul 7, 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 months
▼
APR6.25%
Term12-48 months
Last UpdatedJul 12, 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
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedJul 14, 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 UpdatedJul 14, 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 UpdatedJul 14, 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 UpdatedJul 14, 2026
Details
Country Bank for Savings
Institution Rating:
A5.0 ★ Texas Ratio: 7.70%
155 West St, Ware, MA, 01082
New Auto 2024-2026
6.25%
60 Months
▼
APR6.25%
Term60 Months
Last UpdatedJul 14, 2026
Details
Country Bank for Savings
Institution Rating:
A5.0 ★ Texas Ratio: 7.70%
155 West St, Ware, MA, 01082
Used Auto 2020 & older
6.25%
36 Months
▼
APR6.25%
Term36 Months
Last UpdatedJul 14, 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 UpdatedJul 16, 2026
Details
As Low As; 100% financing available
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
271 Greenwood St, Worcester, MA, 01607
Auto Loan - Model Year 2021 - 75 Month
6.34%
75 Month
▼
APR6.34%
Term75 Month
Last UpdatedJul 15, 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 UpdatedJul 14, 2026
Details
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
271 Greenwood St, Worcester, MA, 01607
Auto Loan - Model Year 2019 - 60 Month
6.44%
60 Month
▼
APR6.44%
Term60 Month
Last UpdatedJul 15, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA, 01851
New & Used Auto
6.49%
5 Years
▼
APR6.49%
Term5 Years
Last UpdatedJul 7, 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
6.49%
6 Years
▼
APR6.49%
Term6 Years
Last UpdatedJul 7, 2026
Details
PIONEER VALLEY
Institution Rating:
A+5.0 ★ Texas Ratio: 3.22%
246 Brookdale Dr, Springfield, MA, 01104
Vehicle Loan
6.49%
78 Months
▼
APR6.49%
Term78 Months
Last UpdatedJul 14, 2026
Details
As Low As; 1
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 months
▼
APR6.49%
Term12-72 months
Last UpdatedJul 15, 2026
Details
Up To $50,000; 90% NADA value; Years 2020-2026
Rockland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
241 Union St, Rockland, MA, 02370
Auto Loan - Used (2015-2016)
6.49%
48 Month
▼
APR6.49%
Term48 Month
Last UpdatedJul 15, 2026
Details
As Low As; APR**
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 UpdatedJul 16, 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 UpdatedJul 16, 2026
Details
As Low As; Cost Per Thousand: $19.56
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 4 Year term
6.49%
48 Months
▼
APR6.49%
Term48 Months
Last UpdatedJul 16, 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 Loan
6.50%
7 year(s)
▼
APR6.50%
Term7 year(s)
Last UpdatedJul 6, 2026
Details
Model Yrs: 2024 - 2025; Credit Score: 500-599; Debt Ratio: 32 %; MAX: $ 100,000
Dean Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
21 Main St, Franklin, MA, 02038
Used Cars Loan
6.50%
24 Months
▼
APR6.50%
Term24 Months
Last UpdatedJul 14, 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
6.50%
60 mo.
▼
APR6.50%
Term60 mo.
Last UpdatedJul 14, 2026
Details
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%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
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 UpdatedJul 6, 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%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedJul 7, 2026
Details
APR with Auto Pay As Low As*
Greater Springfield Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.04%
1030 Wilbraham Rd, Springfield, MA, 01109
New Auto Loan
3.99%
3 Year
▼
APR3.99%
Term3 Year
Last UpdatedJul 16, 2026
Details
As Low As; Fixed APR
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%
Up to 60 months
▼
APR4.09%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
24 Church St, Leominster, MA, 01453
New / Used Auto Loans
4.24%
60 months
▼
APR4.24%
Term60 months
Last UpdatedJul 6, 2026
Details
As Low As; 100% financing available for qualified vehicles. Used Vehicle rates are based on J.D. Power book value. 84 Month Term for qualified vehicles and borrowers only. All rates are subject to change without notice.
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 UpdatedJul 6, 2026
Details
As Low As; 1.00% discount for automatic monthly payment; All rates are subject to change without notice.
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 UpdatedJul 6, 2026
Details
As Low As; 1.00% discount for automatic monthly payment; All rates are subject to change without notice.
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
24 Church St, Leominster, MA, 01453
New Vehicle Loan
4.24%
60 Months
▼
APR4.24%
Term60 Months
Last UpdatedJul 6, 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
New** and Used Vehicle Loan
4.24%
Up to 48 Months
▼
APR4.24%
TermUp to 48 Months
Last UpdatedJul 16, 2026
Details
As low as 4.24% up to 7.99%
Albright Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
1 Gillette Park, South Boston, MA, 02127 1028
New Auto Loans
4.44%
up to 60 months
▼
APR4.44%
Termup to 60 months
Last UpdatedJul 11, 2026
Details
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 UpdatedJul 11, 2026
Details
Annual Percentage Rate (APR) effective 6/1/26. Published rates reflects a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply.
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.18%
455 W Broadway, South Boston, MA, 02127 2218
New** and Used Vehicle Loan
4.49%
49 - 71 Months
▼
APR4.49%
Term49 - 71 Months
Last UpdatedJul 16, 2026
Details
As low as 4.49% up to 8.24%
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.28%
100 Quincy Ave, Quincy, MA, 02169 6714
New Auto Loans
4.50%
37 - 48 months
▼
APR4.50%
Term37 - 48 months
Last UpdatedJul 7, 2026
Details
APR with Auto Pay As Low As*
Attleboro Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
138 S Main St, Attleboro, MA, 02703 3909
New Automobile Loans
4.50%
Up to 60 Months
▼
APR4.50%
TermUp to 60 Months
Last UpdatedJul 15, 2026
Details
100% or up to 125% Financing & VSI/$125,000 Maximum
Albright Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
1 Gillette Park, South Boston, MA, 02127 1028
New Auto Loans
4.64%
61-72 months
▼
APR4.64%
Term61-72 months
Last UpdatedJul 11, 2026
Details
Model year: 2025 or newer with less 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
4.74%
72 months
▼
APR4.74%
Term72 months
Last UpdatedJul 6, 2026
Details
As Low As; 100% financing available for qualified vehicles. Used Vehicle rates are based on J.D. Power book value. 84 Month Term for qualified vehicles and borrowers only. All rates are subject to change without notice.
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 UpdatedJul 6, 2026
Details
As Low As; 1.00% discount for automatic monthly payment; All rates are subject to change without notice.
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 UpdatedJul 6, 2026
Details
As Low As; 1.00% discount for automatic monthly payment; All rates are subject to change without notice.
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
24 Church St, Leominster, MA, 01453
New Vehicle Loan
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedJul 6, 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
New** and Used Vehicle Loan
4.74%
72 - 84 Months
▼
APR4.74%
Term72 - 84 Months
Last UpdatedJul 16, 2026
Details
As low as 4.74% up to 8.74%
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.28%
100 Quincy Ave, Quincy, MA, 02169 6714
New Auto Loans
4.75%
49 - 72 months
▼
APR4.75%
Term49 - 72 months
Last UpdatedJul 7, 2026
Details
APR with Auto Pay As Low As*
Attleboro Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
138 S Main St, Attleboro, MA, 02703 3909
New Automobile Loans
4.75%
Up to 72 Months
▼
APR4.75%
TermUp to 72 Months
Last UpdatedJul 15, 2026
Details
100% or up to 125% Financing & VSI/$125,000 Maximum
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 UpdatedJul 7, 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 UpdatedJul 11, 2026
Details
Annual Percentage Rate (APR) effective 6/1/26. Published rates reflects a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply.
Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
950 Park St, Stoughton, MA, 02072
Auto Loans - New
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedJul 12, 2026
Details
Vehicle Years: 2025 - 2026
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 UpdatedJul 14, 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%
Maximum term to 60 months
▼
APR4.99%
TermMaximum term to 60 months
Last UpdatedJul 15, 2026
Details
As Low As
Norfolk Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
18 Union St Ste 104, Norfolk, MA, 02056 1855
NEW Auto Loan
4.99%
Up to 72 months
▼
APR4.99%
TermUp to 72 months
Last UpdatedJul 15, 2026
Details
As Low As; Maximum Amount: $65,000
Morton Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
88 washington st, taunton, MA, 02780 2465
New Cars Loan
4.99%
up to 7 years
▼
APR4.99%
Termup to 7 years
Last UpdatedJul 15, 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 UpdatedJul 16, 2026
Details
Rates 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 UpdatedJul 16, 2026
Details
As Low As; *
Greater Springfield Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.04%
1030 Wilbraham Rd, Springfield, MA, 01109
New Auto Loan
4.99%
4 Year
▼
APR4.99%
Term4 Year
Last UpdatedJul 16, 2026
Details
As Low As; Fixed APR
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
659 Eastern Ave, Fall River, MA, 02723
New Autos 24 Months
5.00%
24 Months
▼
APR5.00%
Term24 Months
Last UpdatedJul 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
5.00%
73 - 84 months
▼
APR5.00%
Term73 - 84 months
Last UpdatedJul 7, 2026
Details
APR with Auto Pay 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
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedJul 14, 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
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedJul 14, 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 UpdatedJul 15, 2026
Details
LTV MAX: 100%; FICO Score: Platinum 720+
Attleboro Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
138 S Main St, Attleboro, MA, 02703 3909
New Automobile Loans
5.00%
Up to 84 Months
▼
APR5.00%
TermUp to 84 Months
Last UpdatedJul 15, 2026
Details
100% or up to 125% Financing & VSI/$125,000 Maximum
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
24 Church St, Leominster, MA, 01453
New / Used Auto Loans
5.24%
84 months
▼
APR5.24%
Term84 months
Last UpdatedJul 6, 2026
Details
As Low As; 100% financing available for qualified vehicles. Used Vehicle rates are based on J.D. Power book value. 84 Month Term for qualified vehicles and borrowers only. All rates are subject to change without notice.
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 UpdatedJul 6, 2026
Details
As Low As; 1.00% discount for automatic monthly payment; All rates are subject to change without notice.
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%
Up to 60 Months
▼
APR5.24%
TermUp to 60 Months
Last UpdatedJul 15, 2026
Details
As Low As; Year: 2024-2026
Greater Springfield Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.04%
1030 Wilbraham Rd, Springfield, MA, 01109
New Auto Loan
5.24%
6 Year
▼
APR5.24%
Term6 Year
Last UpdatedJul 16, 2026
Details
As Low As; Fixed APR
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
659 Eastern Ave, Fall River, MA, 02723
New Autos 36 Months
5.25%
36 Months
▼
APR5.25%
Term36 Months
Last UpdatedJul 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 48 Months
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedJul 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 60 Months
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedJul 6, 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 UpdatedJul 7, 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 UpdatedJul 14, 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
5.25%
24 months
▼
APR5.25%
Term24 months
Last UpdatedJul 15, 2026
Details
LTV MAX: 90%; FICO Score: B 679-660
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 months
▼
APR5.25%
Term1-48 months
Last UpdatedJul 15, 2026
Details
Up To $60,000; 100% NADA value; Years 2025-2026; Maximum mileage up to 8,000
Greylock Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.81%
150 West St, Pittsfield, MA, 01201
Auto Loan 2023 and newer vehicles
5.29%
6 Years
▼
APR5.29%
Term6 Years
Last UpdatedJul 15, 2026
Details
0.50% discount for new and used Electronic Vehicles (excluding Hybrids).
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 UpdatedJul 7, 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%
Up to 60 Months
▼
APR5.49%
TermUp to 60 Months
Last UpdatedJul 15, 2026
Details
As Low As; Year: 2024-2026
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 UpdatedJul 16, 2026
Details
Rates 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 72 Months
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedJul 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 Loan
5.50%
7 year(s)
▼
APR5.50%
Term7 year(s)
Last UpdatedJul 6, 2026
Details
Model Yrs: 2024 - 2025; Credit Score: 700-850; Debt Ratio: 42 %; MAX: $ 100,000
Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
950 Park St, Stoughton, MA, 02072
Auto Loans - New
5.50%
72 months
▼
APR5.50%
Term72 months
Last UpdatedJul 12, 2026
Details
Vehicle Years: 2025 - 2026
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 7.09%
70 Westview St, Lexington, MA, 02421 3142
New Auto
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedJul 14, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
63 State St, Newburyport, MA, 01950
New Vehicles Loan
5.50%
48 Months
▼
APR5.50%
Term48 Months
Last UpdatedJul 14, 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 UpdatedJul 15, 2026
Details
LTV MAX: 80%; FICO Score: C 659-640
Somerset Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
740 County St, Somerset, MA, 02726
New & Used Auto Loan
5.50%
12 Months to 72 Months
▼
APR5.50%
Term12 Months to 72 Months
Last UpdatedJul 15, 2026
Details
As Low As
Albright Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
1 Gillette Park, South Boston, MA, 02127 1028
New Auto Loans
5.64%
73-84 months
▼
APR5.64%
Term73-84 months
Last UpdatedJul 11, 2026
Details
Model year: 2025 or newer with less than 7,000 miles; Up to 100% financing available
Rockland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
241 Union St, Rockland, MA, 02370
Auto Loan - New & Used (2023-2027)
5.64%
48 Month
▼
APR5.64%
Term48 Month
Last UpdatedJul 15, 2026
Details
As Low As; APR**
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
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedJul 11, 2026
Details
Annual Percentage Rate (APR) effective 6/1/26. Published rates reflects a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply.
New England Teamsters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.03%
1 Wall St Ste 402, Burlington, MA, 01803
New Auto Loan
5.74%
3 Year Term
▼
APR5.74%
Term3 Year Term
Last UpdatedJul 15, 2026
Details
As Low As; Age of Vehicle: 2023 and Newer
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%
Up to 61-84 Months
▼
APR5.74%
TermUp to 61-84 Months
Last UpdatedJul 15, 2026
Details
As Low As; Year: 2024-2026
Rockland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
241 Union St, Rockland, MA, 02370
Auto Loan - New & Used (2023-2027)
5.74%
72 Month
▼
APR5.74%
Term72 Month
Last UpdatedJul 15, 2026
Details
As Low As; APR**
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 7.09%
70 Westview St, Lexington, MA, 02421 3142
New Mobility Vehicle Loan
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedJul 14, 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 UpdatedJul 14, 2026
Details
As Low As
Newburyport Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
63 State St, Newburyport, MA, 01950
New Vehicles Loan
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedJul 14, 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 UpdatedJul 15, 2026
Details
LTV MAX: 70%; FICO Score: D 639-620
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 UpdatedJul 16, 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
5.99%
3 Years
▼
APR5.99%
Term3 Years
Last UpdatedJul 7, 2026
Details
New England Teamsters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.03%
1 Wall St Ste 402, Burlington, MA, 01803
New Auto Loan
5.99%
4 Year Term
▼
APR5.99%
Term4 Year Term
Last UpdatedJul 15, 2026
Details
As Low As; Age of Vehicle: 2023 and Newer
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 months
▼
APR5.99%
Term49-72 months
Last UpdatedJul 15, 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%
Up to 61-84 Months
▼
APR5.99%
TermUp to 61-84 Months
Last UpdatedJul 15, 2026
Details
As Low As; Year: 2024-2026
Massachusetts Family Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
51 Willow St, Lynn, MA, 01901
New Vehicle (60 month) Loan
5.99%
60 month
▼
APR5.99%
Term60 month
Last UpdatedJul 16, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
63 State St, Newburyport, MA, 01950
New Vehicles Loan
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedJul 14, 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 UpdatedJul 15, 2026
Details
LTV MAX: 60%; FICO Score: E < 619
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 UpdatedJul 16, 2026
Details
As Low As; **
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 UpdatedJul 14, 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 UpdatedJul 14, 2026
Details
Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
950 Park St, Stoughton, MA, 02072
Auto Loans - New
6.24%
84 months
▼
APR6.24%
Term84 months
Last UpdatedJul 12, 2026
Details
Vehicle Years: 2025 - 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
6.24%
48 Months
▼
APR6.24%
Term48 Months
Last UpdatedJul 16, 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 UpdatedJul 16, 2026
Details
As Low As; Cost Per Thousand: $23.60
Lowell Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
375 Merrimack St, Lowell, MA, 01852 5909
New Vehicles Loan
6.25%
7 year(s)
▼
APR6.25%
Term7 year(s)
Last UpdatedJul 6, 2026
Details
Model Yrs: 2024 - 2025; Credit Score: 600-699; Debt Ratio: 38 %; MAX: $ 100,000
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA, 01851
New & Used Auto
6.25%
4 Years
▼
APR6.25%
Term4 Years
Last UpdatedJul 7, 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 UpdatedJul 14, 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 UpdatedJul 14, 2026
Details
Country Bank for Savings
Institution Rating:
A5.0 ★ Texas Ratio: 7.70%
155 West St, Ware, MA, 01082
New Auto 2024-2026
6.25%
60 Months
▼
APR6.25%
Term60 Months
Last UpdatedJul 14, 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 UpdatedJul 14, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA, 01851
New & Used Auto
6.49%
5 Years
▼
APR6.49%
Term5 Years
Last UpdatedJul 7, 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
6.49%
6 Years
▼
APR6.49%
Term6 Years
Last UpdatedJul 7, 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 UpdatedJul 16, 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 UpdatedJul 16, 2026
Details
As Low As; Cost Per Thousand: $19.56
Lowell Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
375 Merrimack St, Lowell, MA, 01852 5909
New Vehicles Loan
6.50%
7 year(s)
▼
APR6.50%
Term7 year(s)
Last UpdatedJul 6, 2026
Details
Model Yrs: 2024 - 2025; Credit Score: 500-599; Debt Ratio: 32 %; MAX: $ 100,000
Methuen Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
243 Broadway, Methuen, MA, 01844
New Auto
6.50%
60 mo.
▼
APR6.50%
Term60 mo.
Last UpdatedJul 14, 2026
Details
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
3.10%
36 months
▼
APR3.10%
Term36 months
Last UpdatedJul 15, 2026
Details
As Low As; Maximum term 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%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
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 UpdatedJul 6, 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%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedJul 7, 2026
Details
APR with Auto Pay As Low As*
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
4.10%
48 months
▼
APR4.10%
Term48 months
Last UpdatedJul 15, 2026
Details
As Low As; Maximum term to 48 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
4.24%
60 months
▼
APR4.24%
Term60 months
Last UpdatedJul 6, 2026
Details
As Low As; 100% financing available for qualified vehicles. Used Vehicle rates are based on J.D. Power book value. 84 Month Term for qualified vehicles and borrowers only. All rates are subject to change without notice.
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 UpdatedJul 6, 2026
Details
As Low As; 1.00% discount for automatic monthly payment; All rates are subject to change without notice.
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 UpdatedJul 6, 2026
Details
As Low As; 1.00% discount for automatic monthly payment; All rates are subject to change without notice.
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.18%
455 W Broadway, South Boston, MA, 02127 2218
New** and Used Vehicle Loan
4.24%
Up to 48 Months
▼
APR4.24%
TermUp to 48 Months
Last UpdatedJul 16, 2026
Details
As low as 4.24% up to 7.99%
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.18%
455 W Broadway, South Boston, MA, 02127 2218
Used Vehicle 2022-2024 Loan
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedJul 16, 2026
Details
As low as 4.24% up to 7.99%
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.18%
455 W Broadway, South Boston, MA, 02127 2218
New** and Used Vehicle Loan
4.49%
49 - 71 Months
▼
APR4.49%
Term49 - 71 Months
Last UpdatedJul 16, 2026
Details
As low as 4.49% up to 8.24%
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.18%
455 W Broadway, South Boston, MA, 02127 2218
Used Vehicle 2022-2024 Loan
4.49%
37 - 60 Months
▼
APR4.49%
Term37 - 60 Months
Last UpdatedJul 16, 2026
Details
As low as 4.49% up to 8.24%
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.28%
100 Quincy Ave, Quincy, MA, 02169 6714
Pre-Owned Auto Loans
4.50%
37 - 48 months
▼
APR4.50%
Term37 - 48 months
Last UpdatedJul 7, 2026
Details
APR with Auto Pay 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
4.59%
Up to 60 months
▼
APR4.59%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
Albright Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
1 Gillette Park, South Boston, MA, 02127 1028
Used Auto Loans
4.64%
up to 48 months
▼
APR4.64%
Termup to 48 months
Last UpdatedJul 11, 2026
Details
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
4.74%
72 months
▼
APR4.74%
Term72 months
Last UpdatedJul 6, 2026
Details
As Low As; 100% financing available for qualified vehicles. Used Vehicle rates are based on J.D. Power book value. 84 Month Term for qualified vehicles and borrowers only. All rates are subject to change without notice.
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 UpdatedJul 6, 2026
Details
As Low As; 1.00% discount for automatic monthly payment; All rates are subject to change without notice.
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 UpdatedJul 6, 2026
Details
As Low As; 1.00% discount for automatic monthly payment; All rates are subject to change without notice.
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 UpdatedJul 11, 2026
Details
Annual Percentage Rate (APR) effective 6/1/26. Published rates reflect a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply.
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.18%
455 W Broadway, South Boston, MA, 02127 2218
New** and Used Vehicle Loan
4.74%
72 - 84 Months
▼
APR4.74%
Term72 - 84 Months
Last UpdatedJul 16, 2026
Details
As low as 4.74% up to 8.74%
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.18%
455 W Broadway, South Boston, MA, 02127 2218
Used Vehicle 2022-2024 Loan
4.74%
61-72 Months
▼
APR4.74%
Term61-72 Months
Last UpdatedJul 16, 2026
Details
As low as 4.74% up to 8.74%
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.28%
100 Quincy Ave, Quincy, MA, 02169 6714
Pre-Owned Auto Loans
4.75%
49 - 72 months
▼
APR4.75%
Term49 - 72 months
Last UpdatedJul 7, 2026
Details
APR with Auto Pay 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 UpdatedJul 6, 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 UpdatedJul 7, 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 UpdatedJul 16, 2026
Details
Rates 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 UpdatedJul 16, 2026
Details
Rates as low as; **
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.18%
455 W Broadway, South Boston, MA, 02127 2218
Used Vehicle 2021 Loan
4.99%
Up to 36 Months
▼
APR4.99%
TermUp to 36 Months
Last UpdatedJul 16, 2026
Details
As low as 4.99% up to 8.99%
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 UpdatedJul 15, 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 UpdatedJul 16, 2026
Details
As Low As; 100% financing available
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 UpdatedJul 16, 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
5.24%
84 months
▼
APR5.24%
Term84 months
Last UpdatedJul 6, 2026
Details
As Low As; 100% financing available for qualified vehicles. Used Vehicle rates are based on J.D. Power book value. 84 Month Term for qualified vehicles and borrowers only. All rates are subject to change without notice.
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 UpdatedJul 6, 2026
Details
As Low As; 1.00% discount for automatic monthly payment; All rates are subject to change without notice.
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 UpdatedJul 11, 2026
Details
Annual Percentage Rate (APR) effective 6/1/26. Published rates reflect a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply.
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 UpdatedJul 11, 2026
Details
Annual Percentage Rate (APR) effective 6/1/26. Published rates reflect a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply.
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 7.09%
70 Westview St, Lexington, MA, 02421 3142
Used Auto
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedJul 14, 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
5.24%
Up to 60 Months
▼
APR5.24%
TermUp to 60 Months
Last UpdatedJul 15, 2026
Details
As Low As; Year: 2024-2026
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
659 Eastern Ave, Fall River, MA, 02723
Used Autos
5.25%
24 Months
▼
APR5.25%
Term24 Months
Last UpdatedJul 6, 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 UpdatedJul 7, 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 UpdatedJul 15, 2026
Details
LTV MAX: 90%; FICO Score: B 679-660
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 7.09%
70 Westview St, Lexington, MA, 02421 3142
Used Auto
5.38%
72 Months
▼
APR5.38%
Term72 Months
Last UpdatedJul 14, 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 UpdatedJul 7, 2026
Details
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 UpdatedJul 11, 2026
Details
Annual Percentage Rate (APR) effective 6/1/26. Published rates reflect a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply.
Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
950 Park St, Stoughton, MA, 02072
Auto Loans - Used
5.49%
Up to 60 months
▼
APR5.49%
TermUp to 60 months
Last UpdatedJul 12, 2026
Details
Vehicle Years: 2022 - 2025
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 UpdatedJul 16, 2026
Details
Rates 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 UpdatedJul 16, 2026
Details
Rates as low as; **
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.18%
455 W Broadway, South Boston, MA, 02127 2218
Used Vehicle 2020 Loan
5.49%
Up to 36 Months
▼
APR5.49%
TermUp to 36 Months
Last UpdatedJul 16, 2026
Details
As low as 5.49% up to 9.24%
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
659 Eastern Ave, Fall River, MA, 02723
Used Autos
5.50%
36 Months
▼
APR5.50%
Term36 Months
Last UpdatedJul 6, 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
5.50%
36 Months
▼
APR5.50%
Term36 Months
Last UpdatedJul 14, 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 UpdatedJul 15, 2026
Details
LTV MAX: 80%; FICO Score: C 659-640
Somerset Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
740 County St, Somerset, MA, 02726
New & Used Auto Loan
5.50%
12 Months to 72 Months
▼
APR5.50%
Term12 Months to 72 Months
Last UpdatedJul 15, 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
5.64%
61-72 months
▼
APR5.64%
Term61-72 months
Last UpdatedJul 11, 2026
Details
Model years: 2023 or newer (and 2025 with more than 7,000 miles); Up to 100% financing available
Rockland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
241 Union St, Rockland, MA, 02370
Auto Loan - New & Used (2023-2027)
5.64%
48 Month
▼
APR5.64%
Term48 Month
Last UpdatedJul 15, 2026
Details
As Low As; APR**
Rockland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
241 Union St, Rockland, MA, 02370
Auto Loan - Used (2021-2022)
5.64%
48 Month
▼
APR5.64%
Term48 Month
Last UpdatedJul 15, 2026
Details
As Low As; APR**
Rockland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
241 Union St, Rockland, MA, 02370
Auto Loan - Used (2019-2020)
5.69%
48 Month
▼
APR5.69%
Term48 Month
Last UpdatedJul 15, 2026
Details
As Low As; APR**
Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
950 Park St, Stoughton, MA, 02072
Auto Loans - Used
5.74%
Up to 60 months
▼
APR5.74%
TermUp to 60 months
Last UpdatedJul 12, 2026
Details
Vehicle Years: 2018 - 2021
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%
Up to 61-84 Months
▼
APR5.74%
TermUp to 61-84 Months
Last UpdatedJul 15, 2026
Details
As Low As; Year: 2024-2026
Rockland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
241 Union St, Rockland, MA, 02370
Auto Loan - New & Used (2023-2027)
5.74%
72 Month
▼
APR5.74%
Term72 Month
Last UpdatedJul 15, 2026
Details
As Low As; APR**
Rockland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
241 Union St, Rockland, MA, 02370
Auto Loan - Used (2021-2022)
5.74%
72 Month
▼
APR5.74%
Term72 Month
Last UpdatedJul 15, 2026
Details
As Low As; APR**
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
659 Eastern Ave, Fall River, MA, 02723
Used Autos
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedJul 6, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
63 State St, Newburyport, MA, 01950
Used Vehicles Loan
5.75%
48 Months
▼
APR5.75%
Term48 Months
Last UpdatedJul 14, 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 UpdatedJul 15, 2026
Details
LTV MAX: 70%; FICO Score: D 639-620
Rockland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
241 Union St, Rockland, MA, 02370
Auto Loan - Used (2017-2018)
5.89%
48 Month
▼
APR5.89%
Term48 Month
Last UpdatedJul 15, 2026
Details
As Low As; APR**
Albright Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
1 Gillette Park, South Boston, MA, 02127 1028
Used Auto Loans
5.90%
up to 36 months
▼
APR5.90%
Termup to 36 months
Last UpdatedJul 11, 2026
Details
Model years: 2021 -2022 (older considered on case by case basis); Up to 100% financing available
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 UpdatedJul 6, 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
5.99%
3 Years
▼
APR5.99%
Term3 Years
Last UpdatedJul 7, 2026
Details
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 UpdatedJul 11, 2026
Details
Annual Percentage Rate (APR) effective 6/1/26. Published rates reflect a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply.
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 UpdatedJul 12, 2026
Details
Vehicle Years: 2022 - 2025
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
5.99%
Up to 48 months
▼
APR5.99%
TermUp to 48 months
Last UpdatedJul 15, 2026
Details
Vehicles 1 - 5 years old
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%
Up to 60 Months
▼
APR5.99%
TermUp to 60 Months
Last UpdatedJul 15, 2026
Details
As Low As; Year: 2019-2023
Morton Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
88 washington st, taunton, MA, 02780 2465
Used Cars Loan
5.99%
up to 6 years
▼
APR5.99%
Termup to 6 years
Last UpdatedJul 15, 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 2019 Loan
5.99%
Up to 36 Months
▼
APR5.99%
TermUp to 36 Months
Last UpdatedJul 16, 2026
Details
As low as 5.99% up to 9.74%
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.18%
455 W Broadway, South Boston, MA, 02127 2218
Used Vehicle 2020 Loan
5.99%
37 - 48 Months
▼
APR5.99%
Term37 - 48 Months
Last UpdatedJul 16, 2026
Details
As low as 5.99% up to 9.49%
Newburyport Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
63 State St, Newburyport, MA, 01950
Used Vehicles Loan
6.00%
60 Months
▼
APR6.00%
Term60 Months
Last UpdatedJul 14, 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 UpdatedJul 15, 2026
Details
LTV MAX: 60%; FICO Score: E < 619
Lowell Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
375 Merrimack St, Lowell, MA, 01852 5909
Used Vehicles 2010 - 2023 Loan
6.10%
6 year(s)
▼
APR6.10%
Term6 year(s)
Last UpdatedJul 6, 2026
Details
Tier 1; Credit Score 700-850; Debt Ratio 42 %; MAX $ 85,000
Albright Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
1 Gillette Park, South Boston, MA, 02127 1028
Used Auto Loans
6.15%
37-48 months
▼
APR6.15%
Term37-48 months
Last UpdatedJul 11, 2026
Details
Model years: 2021 -2022 (older considered on case by case basis); Up to 100% financing available
New England Teamsters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.03%
1 Wall St Ste 402, Burlington, MA, 01803
Used Auto Loan
6.24%
3 Year Term
▼
APR6.24%
Term3 Year Term
Last UpdatedJul 15, 2026
Details
As Low As; Age of Vehicle: 2018 - 2022
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%
Up to 60 Months
▼
APR6.24%
TermUp to 60 Months
Last UpdatedJul 15, 2026
Details
As Low As; Year: 2019-2023
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.18%
455 W Broadway, South Boston, MA, 02127 2218
Used Vehicle 2019 Loan
6.24%
37 - 48 Months
▼
APR6.24%
Term37 - 48 Months
Last UpdatedJul 16, 2026
Details
As low as 6.24% up to 9.99%
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA, 01851
New & Used Auto
6.25%
4 Years
▼
APR6.25%
Term4 Years
Last UpdatedJul 7, 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
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedJul 14, 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 UpdatedJul 14, 2026
Details
Country Bank for Savings
Institution Rating:
A5.0 ★ Texas Ratio: 7.70%
155 West St, Ware, MA, 01082
Used Auto 2020 & older
6.25%
36 Months
▼
APR6.25%
Term36 Months
Last UpdatedJul 14, 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 UpdatedJul 16, 2026
Details
As Low As; 100% financing available
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA, 01851
New & Used Auto
6.49%
5 Years
▼
APR6.49%
Term5 Years
Last UpdatedJul 7, 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
6.49%
6 Years
▼
APR6.49%
Term6 Years
Last UpdatedJul 7, 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 months
▼
APR6.49%
Term12-72 months
Last UpdatedJul 15, 2026
Details
Up To $50,000; 90% NADA value; Years 2020-2026
Rockland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
241 Union St, Rockland, MA, 02370
Auto Loan - Used (2015-2016)
6.49%
48 Month
▼
APR6.49%
Term48 Month
Last UpdatedJul 15, 2026
Details
As Low As; APR**
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 4 Year term
6.49%
48 Months
▼
APR6.49%
Term48 Months
Last UpdatedJul 16, 2026
Details
As Low As
Dean Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
21 Main St, Franklin, MA, 02038
Used Cars Loan
6.50%
24 Months
▼
APR6.50%
Term24 Months
Last UpdatedJul 14, 2026
Details
As Low As
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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
6.546%
▼ 0.001 vs 7 days ago
Massachusetts new auto rates fell 0.001 points over the past 7 days to 6.546% APR.
Used Auto Loan — MA Avg
6.207%
▼ 0.111 vs 7 days ago
Massachusetts used auto rates fell 0.111 points over the past 7 days to 6.207% APR.
As of Jul 16, 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)
- 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)
- PIONEER VALLEY: 3.99% (Vehicle Loan)
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: July 16, 2026
Auto Loan Rates by City in Massachusetts
Rate Assistant
MonitorBankRates.com · Live Data
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