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Massachusetts Best Auto Loan Rates - September 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
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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 Cambridge Firefighters Federal Credit UnionCambridge Firefighters Federal Credit Union113 Garden St, Cambridge, MA, 02138 6700A+5.0 ★Texas Ratio: 0.37% offering New Auto / Motorcycles at 2.99%, American Airlines Federal Credit UnionAmerican Airlines Federal Credit UnionLogan International Airport, East Boston, MA, 02128A+5.0 ★Texas Ratio: 2.50% offering New Auto at 3.34%, Energy Credit UnionEnergy Credit Union156 Spring St, West Roxbury, MA, 02132A+5.0 ★Texas Ratio: 1.51% offering Vehicle Loan at 3.50%, Baxter Credit UnionBaxter Credit Union100 Boston Scientific Way, Marlborough, MA, 01752A5.0 ★Texas Ratio: 6.20% offering Auto Loans - 2025 & Newer at 3.64%, Chelsea Employees Federal Credit UnionChelsea Employees Federal Credit Union311 Chestnut St, Chelsea, MA, 02150A+5.0 ★Texas Ratio: 1.63% offering New Autos at 3.99%. Auto loan rates as of September 21, 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 2.99% APR from Cambridge Firefighters Federal Credit Union at 113 Garden St, Cambridge, MA, 02138 6700. Rates are continually updated, so 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: September 21, 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
Cambridge Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
113 Garden St, Cambridge, MA, 02138 6700
New Auto / Motorcycles
2.99%
Up to 36 Months
▼
APR2.99%
Interest Rate2.99%
TermUp to 36 Months
Last UpdatedSep 16, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Logan International Airport, East Boston, MA, 02128
New Auto
3.34%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedSep 21, 2026
Details
As Low As
Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
156 Spring St, West Roxbury, MA, 02132
Vehicle Loan
3.50%
24 months
▼
APR3.50%
Term24 months
Last UpdatedSep 18, 2026
Details
Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
156 Spring St, West Roxbury, MA, 02132
Vehicle Loan
3.50%
36 months
▼
APR3.50%
Term36 months
Last UpdatedSep 18, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
100 Boston Scientific Way, Marlborough, MA, 01752
Auto Loans - 2025 & Newer
3.64%
0 - 36 Months
▼
APR3.64%
Interest Rate3.64%
Term0 - 36 Months
Last UpdatedSep 18, 2026
Details
as low as; Loan Term
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Logan International Airport, East Boston, MA, 02128
Used Auto
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedSep 21, 2026
Details
As Low As
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
311 Chestnut St, Chelsea, MA, 02150
New Autos
3.99%
72 Months
▼
APR3.99%
Term72 Months
Last UpdatedSep 16, 2026
Details
90% Financing
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
311 Chestnut St, Chelsea, MA, 02150
Refinanced Car Loan
3.99%
3-year
▼
APR3.99%
Term3-year
Last UpdatedSep 16, 2026
Details
As Low As; 90 Anniversary rate; Model Year: 2025 and 2026
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
311 Chestnut St, Chelsea, MA, 02150
Used Autos - 2026 - 2027
3.99%
72 Months
▼
APR3.99%
Term72 Months
Last UpdatedSep 16, 2026
Details
Amount: 90% Financing
Cambridge Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
113 Garden St, Cambridge, MA, 02138 6700
New Auto / Motorcycles
3.99%
37 to 60 Months
▼
APR3.99%
Interest Rate3.99%
Term37 to 60 Months
Last UpdatedSep 16, 2026
Details
Cambridge Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
113 Garden St, Cambridge, MA, 02138 6700
Used Auto / Motorcycles
3.99%
Up to 36 Months
▼
APR3.99%
Interest Rate3.99%
TermUp to 36 Months
Last UpdatedSep 16, 2026
Details
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 Quincy Ave, Quincy, MA, 02169 6714
New Auto Loans
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedSep 18, 2026
Details
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 Quincy Ave, Quincy, MA, 02169 6714
Pre-Owned Auto Loans
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedSep 18, 2026
Details
St Anthony Of Padua Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
806 Bedford St, Fall River, MA, 02723
New Auto Loans
3.99%
60 months
▼
APR3.99%
Term60 months
Last UpdatedSep 20, 2026
Details
Term: Maximum term to 60 months; As Low As
St Anthony Of Padua Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
806 Bedford St, Fall River, MA, 02723
New Auto Loans
3.99%
72 months
▼
APR3.99%
Term72 months
Last UpdatedSep 20, 2026
Details
Term: Maximum term to 72 months; As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Logan International Airport, East Boston, MA, 02128
New Auto
4.09%
Up to 60 months
▼
APR4.09%
TermUp to 60 months
Last UpdatedSep 21, 2026
Details
As Low As
Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
156 Spring St, West Roxbury, MA, 02132
Vehicle Loan
4.12%
24 months
▼
APR4.12%
Term24 months
Last UpdatedSep 18, 2026
Details
Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
156 Spring St, West Roxbury, MA, 02132
Vehicle Loan
4.12%
36 months
▼
APR4.12%
Term36 months
Last UpdatedSep 18, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
100 Boston Scientific Way, Marlborough, MA, 01752
Auto Loans - 2025 & Newer
4.14%
37 - 75 Months
▼
APR4.14%
Interest Rate4.14%
Term37 - 75 Months
Last UpdatedSep 18, 2026
Details
as low as; Loan Term
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
24 Church St, Leominster, MA, 01453
New Vehicle Loan
4.24%
60 months
▼
APR4.24%
Term60 months
Last UpdatedSep 16, 2026
Details
As low as; Certain restrictions apply.
City of Boston Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
455 W Broadway, South Boston, MA, 02127 2218
New and Used Auto Loan
4.24%
Up to 48 Months
▼
APR4.24%
TermUp to 48 Months
Last UpdatedSep 18, 2026
Details
As low as 4.24% up to 7.99%; Maximum borrowed $150,000; Model Years 2025-2026
City of Boston Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
455 W Broadway, South Boston, MA, 02127 2218
Used Vehicle Loan
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedSep 18, 2026
Details
As low as 4.24% up to 7.99%
Leominster Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
910 W Boylston St, Worcester, MA, 01606
Auto Loan
4.39%
36 months
▼
APR4.39%
Term36 months
Last UpdatedSep 18, 2026
Details
Leominster Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
910 W Boylston St, Worcester, MA, 01606
Auto Loan
4.39%
48 months
▼
APR4.39%
Term48 months
Last UpdatedSep 18, 2026
Details
Leominster Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
910 W Boylston St, Worcester, MA, 01606
Auto Loan
4.39%
60 months
▼
APR4.39%
Term60 months
Last UpdatedSep 18, 2026
Details
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
271 Greenwood St, Worcester, MA, 01607
Auto Loan - Model Year 2023-27
4.39%
36 Month
▼
APR4.39%
Term36 Month
Last UpdatedSep 21, 2026
Details
Albright Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.77%
1 Gillette Park, South Boston, MA, 02127 1028
New Auto Loans
4.44%
up to 60 months
▼
APR4.44%
Termup to 60 months
Last UpdatedSep 18, 2026
Details
Model year: 2025 or newer with less than 7,000 miles; Up to 100% financing available
City of Boston Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
455 W Broadway, South Boston, MA, 02127 2218
New and Used Auto Loan
4.49%
49 - 71 Months
▼
APR4.49%
Term49 - 71 Months
Last UpdatedSep 18, 2026
Details
As low as 4.49% up to 8.24%; Maximum borrowed $150,000; Model Years 2025-2026
City of Boston Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
455 W Broadway, South Boston, MA, 02127 2218
Used Vehicle Loan
4.49%
37 - 60 Months
▼
APR4.49%
Term37 - 60 Months
Last UpdatedSep 18, 2026
Details
As low as 4.49% up to 8.24%
Mass Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.64%
1250 Hancock St, Quincy, MA, 02169
New < 25K miles Auto Loan
4.49%
48 months
▼
APR4.49%
Term48 months
Last UpdatedSep 18, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.64%
1250 Hancock St, Quincy, MA, 02169
New < 25K miles Auto Loan
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedSep 18, 2026
Details
St Anthony Of Padua Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
806 Bedford St, Fall River, MA, 02723
Used Auto Loans - with 15% down
4.49%
48 months
▼
APR4.49%
Term48 months
Last UpdatedSep 20, 2026
Details
Term: Maximum term to 48 months; Vehicles 1 - 5 years old
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
489 BOSTON TPKE, SHREWSBURY, MA, 01545
Vehicle Loan
4.49%
Up to 36 Months
▼
APR4.49%
TermUp to 36 Months
Last UpdatedSep 21, 2026
Details
MAX LOAN AMOUNT**: 120%
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
489 BOSTON TPKE, SHREWSBURY, MA, 01545
Vehicle Loan
4.49%
37 to 48 Months
▼
APR4.49%
Term37 to 48 Months
Last UpdatedSep 21, 2026
Details
MAX LOAN AMOUNT**: 120%
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
1295 State St, Springfield, MA, 01111
Vehicle Loans
4.49%
4 Year (48 mo)
▼
APR4.49%
Term4 Year (48 mo)
Last UpdatedSep 21, 2026
Details
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
1295 State St, Springfield, MA, 01111
Vehicle Loans
4.49%
5 Year (60 mo)
▼
APR4.49%
Term5 Year (60 mo)
Last UpdatedSep 21, 2026
Details
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
1295 State St, Springfield, MA, 01111
Vehicle Loans
4.49%
6 Year (72 mo)
▼
APR4.49%
Term6 Year (72 mo)
Last UpdatedSep 21, 2026
Details
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
100 Highland Ave, Somerville, MA, 02143
New Car (2025 - 2026) Loan
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedSep 16, 2026
Details
Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
156 Spring St, West Roxbury, MA, 02132
Vehicle Loan
4.50%
48 months
▼
APR4.50%
Term48 months
Last UpdatedSep 18, 2026
Details
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 Quincy Ave, Quincy, MA, 02169 6714
New Auto Loans
4.50%
37 - 48 months
▼
APR4.50%
Term37 - 48 months
Last UpdatedSep 18, 2026
Details
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 Quincy Ave, Quincy, MA, 02169 6714
Pre-Owned Auto Loans
4.50%
37 - 48 months
▼
APR4.50%
Term37 - 48 months
Last UpdatedSep 18, 2026
Details
HTM Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.14%
4 Summer St Ste 3, Haverhill, MA, 01830 5843
Vehicle Loan
4.50%
Up to 84 months
▼
APR4.50%
Interest Rate4.50%
TermUp to 84 months
Last UpdatedSep 18, 2026
Details
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
282 Providence Hwy, Westwood, MA, 02090
Auto Loans
4.50%
3 years
▼
APR4.50%
Term3 years
Last UpdatedSep 20, 2026
Details
APR* as low as: 4.50%
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
282 Providence Hwy, Westwood, MA, 02090
Auto Loans
4.50%
4 years
▼
APR4.50%
Term4 years
Last UpdatedSep 20, 2026
Details
APR* as low as: 4.50%
Methuen Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.88%
248 Broadway, Methuen, MA, 01844
Auto Loan (New or Used)
4.50%
up to 36 months
▼
APR4.50%
Termup to 36 months
Last UpdatedSep 21, 2026
Details
Car Model Year 2024 and Newer
Methuen Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.88%
248 Broadway, Methuen, MA, 01844
Auto Loan (New or Used)
4.50%
up to 48 months
▼
APR4.50%
Termup to 48 months
Last UpdatedSep 21, 2026
Details
Car Model Year 2024 and Newer
Methuen Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.88%
248 Broadway, Methuen, MA, 01844
Auto Loan (New or Used)
4.50%
up to 60 months
▼
APR4.50%
Termup to 60 months
Last UpdatedSep 21, 2026
Details
Car Model Year 2024 and Newer
Attleboro Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
138 S Main St, Attleboro, MA, 02703 3909
Used Automobile - 2021 - 2025 Loan
4.50%
Up to 48 Months
▼
APR4.50%
TermUp to 48 Months
Last UpdatedSep 21, 2026
Details
100% or up to 125% Financing & VSI/$75,000 Maximum
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Logan International Airport, East Boston, MA, 02128
Used Auto
4.59%
Up to 60 months
▼
APR4.59%
TermUp to 60 months
Last UpdatedSep 21, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
100 Boston Scientific Way, Marlborough, MA, 01752
Auto Loans - 2022 - 2024
4.64%
0 - 36 Months
▼
APR4.64%
Interest Rate4.64%
Term0 - 36 Months
Last UpdatedSep 18, 2026
Details
as low as; Loan Term
Albright Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.77%
1 Gillette Park, South Boston, MA, 02127 1028
New Auto Loans
4.64%
61-72 months
▼
APR4.64%
Term61-72 months
Last UpdatedSep 18, 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: 8.77%
1 Gillette Park, South Boston, MA, 02127 1028
Used Auto Loans
4.64%
up to 48 months
▼
APR4.64%
Termup to 48 months
Last UpdatedSep 18, 2026
Details
Model years: 2023 or newer (and 2025 with more than 7,000 miles; Up to 100% financing available
Albright Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.77%
1 Gillette Park, South Boston, MA, 02127 1028
Used Auto Loans
4.64%
49-60 months
▼
APR4.64%
Term49-60 months
Last UpdatedSep 18, 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: 1.54%
271 Greenwood St, Worcester, MA, 01607
Auto Loan - Model Year 2022
4.64%
36 Month
▼
APR4.64%
Term36 Month
Last UpdatedSep 21, 2026
Details
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
24 Church St, Leominster, MA, 01453
New Vehicle Loan
4.74%
72 months
▼
APR4.74%
Term72 months
Last UpdatedSep 16, 2026
Details
As low as; Certain restrictions apply.
Arrha Credit Union
145 Industry Ave, Springfield, MA, 01104 3222
Auto Loans - Model Years 2026 - 2021
4.74%
Up to 36 months
▼
APR4.74%
TermUp to 36 months
Last UpdatedSep 18, 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. 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.
City of Boston Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
455 W Broadway, South Boston, MA, 02127 2218
New and Used Auto Loan
4.74%
72 - 84 Months
▼
APR4.74%
Term72 - 84 Months
Last UpdatedSep 18, 2026
Details
As low as 4.74% up to 8.74%; Maximum borrowed $150,000; Model Years 2025-2026
City of Boston Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
455 W Broadway, South Boston, MA, 02127 2218
Used Vehicle Loan
4.74%
61-72 Months
▼
APR4.74%
Term61-72 Months
Last UpdatedSep 18, 2026
Details
As low as 4.74% up to 8.74%
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
155 State St, Newburyport, MA, 01950
New Car Loans - 2025-2026 Models or Newer
4.74%
24 Months
▼
APR4.74%
Term24 Months
Last UpdatedSep 18, 2026
Details
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
155 State St, Newburyport, MA, 01950
New Car Loans - 2025-2026 Models or Newer
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedSep 18, 2026
Details
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
155 State St, Newburyport, MA, 01950
New Car Loans - 2025-2026 Models or Newer
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedSep 18, 2026
Details
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
155 State St, Newburyport, MA, 01950
New Car Loans - 2025-2026 Models or Newer
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedSep 18, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.64%
1250 Hancock St, Quincy, MA, 02169
New < 25K miles Auto Loan
4.74%
72 months
▼
APR4.74%
Term72 months
Last UpdatedSep 18, 2026
Details
Merrimack Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.40%
500 Merrimack St, Lawrence, MA, 01843
Auto Loans - Model Years 2026 - 2021
4.74%
Up to 36 months
▼
APR4.74%
TermUp to 36 months
Last UpdatedSep 18, 2026
Details
As Low As; 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. Offer valid on auto loans originated on or after January 1, 2026. 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. Cost per thousand is calculated using the highest term in the range.
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
489 BOSTON TPKE, SHREWSBURY, MA, 01545
Vehicle Loan
4.74%
49 to 60 Months
▼
APR4.74%
Term49 to 60 Months
Last UpdatedSep 21, 2026
Details
MAX LOAN AMOUNT**: 120%
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
100 Highland Ave, Somerville, MA, 02143
Used Car (2022 - 2024) Loan
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedSep 16, 2026
Details
Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
156 Spring St, West Roxbury, MA, 02132
Vehicle Loan
4.75%
60 months
▼
APR4.75%
Term60 months
Last UpdatedSep 18, 2026
Details
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 Quincy Ave, Quincy, MA, 02169 6714
New Auto Loans
4.75%
49 - 72 months
▼
APR4.75%
Term49 - 72 months
Last UpdatedSep 18, 2026
Details
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 Quincy Ave, Quincy, MA, 02169 6714
Pre-Owned Auto Loans
4.75%
49 - 72 months
▼
APR4.75%
Term49 - 72 months
Last UpdatedSep 18, 2026
Details
600 Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
600 Atlantic Ave, Boston, MA, 02210
Auto Loans
4.75%
2024-2026
▼
APR4.75%
Term2024-2026
Last UpdatedSep 18, 2026
Details
As Low As 4.75%
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
282 Providence Hwy, Westwood, MA, 02090
Auto Loans
4.75%
5 years
▼
APR4.75%
Term5 years
Last UpdatedSep 20, 2026
Details
APR* as low as: 4.75%
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
282 Providence Hwy, Westwood, MA, 02090
Auto Loans
4.75%
3 years
▼
APR4.75%
Term3 years
Last UpdatedSep 20, 2026
Details
APR* as low as: 4.75%
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
282 Providence Hwy, Westwood, MA, 02090
Auto Loans
4.75%
4 years
▼
APR4.75%
Term4 years
Last UpdatedSep 20, 2026
Details
APR* as low as: 4.75%
Attleboro Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
138 S Main St, Attleboro, MA, 02703 3909
Used Automobile - 2021 - 2025 Loan
4.75%
Up to 60 Months
▼
APR4.75%
TermUp to 60 Months
Last UpdatedSep 21, 2026
Details
100% or up to 125% Financing & VSI/$75,000 Maximum
MyCom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
101 Fenn St, Pittsfield, MA, 01201
New Auto 2023 - 2026
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedSep 20, 2026
Details
MyCom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
101 Fenn St, Pittsfield, MA, 01201
New Auto 2023 - 2026
4.89%
48 Months
▼
APR4.89%
Term48 Months
Last UpdatedSep 20, 2026
Details
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
271 Greenwood St, Worcester, MA, 01607
Auto Loan - Model Year 2021
4.89%
36 Month
▼
APR4.89%
Term36 Month
Last UpdatedSep 21, 2026
Details
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
271 Greenwood St, Worcester, MA, 01607
Auto Loan - Model Year 2023-27
4.89%
48 Month
▼
APR4.89%
Term48 Month
Last UpdatedSep 21, 2026
Details
Malden Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
10 Holden St, Malden, MA, 02148
New Auto
4.95%
2 - 5 Years
▼
APR4.95%
Term2 - 5 Years
Last UpdatedSep 14, 2026
Details
Maximum Amount: 110.00%
Malden Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
10 Holden St, Malden, MA, 02148
Used Auto (Under 4 Years Old)
4.95%
4 Years
▼
APR4.95%
Term4 Years
Last UpdatedSep 14, 2026
Details
Maximum Amount: 100.00%
Members Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
29 High St, Medford, MA, 02155 3801
New Auto Loans
4.95%
up to 4-year term
▼
APR4.95%
Termup to 4-year term
Last UpdatedSep 18, 2026
Details
For new cars up to 4-year term
Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
950 Park St, Stoughton, MA, 02072
Auto Loans - New
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedSep 15, 2026
Details
Vehicle Years: 2025 - 2026
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
311 Chestnut St, Chelsea, MA, 02150
Refinanced Car Loan
4.99%
3-year
▼
APR4.99%
Term3-year
Last UpdatedSep 16, 2026
Details
As Low As; 90 Anniversary rate; Model Year: 2022-2024
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
311 Chestnut St, Chelsea, MA, 02150
Used Autos - 2023 - 2025
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedSep 16, 2026
Details
Amount: 90% Financing
Cambridge Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
113 Garden St, Cambridge, MA, 02138 6700
New Auto / Motorcycles
4.99%
61 to 84 Months
▼
APR4.99%
Interest Rate4.99%
Term61 to 84 Months
Last UpdatedSep 16, 2026
Details
Cambridge Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
113 Garden St, Cambridge, MA, 02138 6700
Used Auto / Motorcycles
4.99%
37 to 60 Months
▼
APR4.99%
Interest Rate4.99%
Term37 to 60 Months
Last UpdatedSep 16, 2026
Details
Arrha Credit Union
145 Industry Ave, Springfield, MA, 01104 3222
Auto Loans - Model Years 2026 - 2021
4.99%
37 to 48 months
▼
APR4.99%
Term37 to 48 months
Last UpdatedSep 18, 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. 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.
Arrha Credit Union
145 Industry Ave, Springfield, MA, 01104 3222
Auto Loans - Model Years 2026 - 2021
4.99%
49 to 66 months
▼
APR4.99%
Term49 to 66 months
Last UpdatedSep 18, 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. 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.
Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
156 Spring St, West Roxbury, MA, 02132
Vehicle Loan
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedSep 18, 2026
Details
Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
156 Spring St, West Roxbury, MA, 02132
Vehicle Loan
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedSep 18, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
87 Hale St, Lowell, MA, 01851
New/Used Auto (Model Years 2024-2026)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedSep 18, 2026
Details
As Low As; *
Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
87 Hale St, Lowell, MA, 01851
New/Used Auto (Model Years 2024-2026)
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedSep 18, 2026
Details
As Low As; *
Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
87 Hale St, Lowell, MA, 01851
New/Used Auto (Model Years 2024-2026)
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedSep 18, 2026
Details
As Low As; *
Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
87 Hale St, Lowell, MA, 01851
Used Auto (Model Years < 2024)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedSep 18, 2026
Details
As Low As; *
Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
87 Hale St, Lowell, MA, 01851
Used Auto (Model Years < 2024)
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedSep 18, 2026
Details
As Low As; *
Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
87 Hale St, Lowell, MA, 01851
Used Auto (Model Years < 2024)
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedSep 18, 2026
Details
As Low As; *
Polish National Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
46 Main St, Chicopee, MA, 01020
New Automobile Loans, 2025-2026 Model Years (Never Registered)
4.99%
84 Months
▼
APR4.99%
Interest Rate4.99%
Term84 Months
Last UpdatedSep 18, 2026
Details
Leominster Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
910 W Boylston St, Worcester, MA, 01606
Auto Loan
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedSep 18, 2026
Details
New Bedford Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.80%
1150 Purchase St, New Bedford, MA, 02740 6635
New Auto - 2025 and newer models
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedSep 18, 2026
Details
As Low As; *
New Bedford Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.80%
1150 Purchase St, New Bedford, MA, 02740 6635
New Auto - 2025 and newer models
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedSep 18, 2026
Details
As Low As
New Bedford Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.80%
1150 Purchase St, New Bedford, MA, 02740 6635
New Auto - 2025 and newer models
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedSep 18, 2026
Details
As Low As; **
Alltrust Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 27.47%
123 Alden Rd, Fairhaven, MA, 02719
Auto Loan - Model Years 2019-2020
4.99%
Up to 48 months
▼
APR4.99%
Interest Rate4.99%
TermUp to 48 months
Last UpdatedSep 18, 2026
Details
Up to 90% loan-to-value
Alltrust Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 27.47%
123 Alden Rd, Fairhaven, MA, 02719
Auto Loan - Model Years 2019-2020
4.99%
Up to 60 Months
▼
APR4.99%
Interest Rate4.99%
TermUp to 60 Months
Last UpdatedSep 18, 2026
Details
Up to 90% loan-to-value
Alltrust Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 27.47%
123 Alden Rd, Fairhaven, MA, 02719
Auto Loan - Model Years 2021-2022
4.99%
Up to 60 months
▼
APR4.99%
Interest Rate4.99%
TermUp to 60 months
Last UpdatedSep 18, 2026
Details
Up to 95% loan-to-value
Alltrust Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 27.47%
123 Alden Rd, Fairhaven, MA, 02719
Auto Loan - Model Years 2021-2022
4.99%
Up to 72 months
▼
APR4.99%
Interest Rate4.99%
TermUp to 72 months
Last UpdatedSep 18, 2026
Details
Up to 95% loan-to-value
Alltrust Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 27.47%
123 Alden Rd, Fairhaven, MA, 02719
Auto Loan - Model Years 2023 or later
4.99%
Up to 60 Months
▼
APR4.99%
Interest Rate4.99%
TermUp to 60 Months
Last UpdatedSep 18, 2026
Details
Up to 100% loan-to-value
Alltrust Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 27.47%
123 Alden Rd, Fairhaven, MA, 02719
Auto Loan - Model Years 2023 or later
4.99%
Up to 72 Months
▼
APR4.99%
Interest Rate4.99%
TermUp to 72 Months
Last UpdatedSep 18, 2026
Details
Up to 100% loan-to-value
Liberty Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
300 Granite St Fl 3, Braintree, MA, 02184 3909
Auto Loans
4.99%
0-36 months
▼
APR4.99%
Term0-36 months
Last UpdatedSep 18, 2026
Details
As Low As
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA, 01851
New & Used Auto WITH Direct Deposit
4.99%
3 Years
▼
APR4.99%
Term3 Years
Last UpdatedSep 18, 2026
Details
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
30 Pond St, Sharon, MA, 02067 2040
New Auto Loans
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedSep 18, 2026
Details
Vehicle Year: 2025 - 2027; Advertised APR is the lowest available. Not all borrowers will qualify for the lowest rate.
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
30 Pond St, Sharon, MA, 02067 2040
Used Auto Loans
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedSep 18, 2026
Details
Vehicle Year: 2022 - 2026; Used vehicle: 2025-2026 vehicle with 5,000 or more miles or 2016-2024 vehicle with 120,000 or less miles. Your rate, term, and approved loan amount may vary based on your creditworthiness. Advertised APR is the lowest available. Not all borrowers will qualify for the lowest rate. Rates are effective as of today's date and are subject to change without notice. Up to 125% financing may be available for vehicles with mileage less than 120,000. 64-75-month terms available for mileage less than 90,000 and a minimum amount financed of $15,000.
City of Boston Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
455 W Broadway, South Boston, MA, 02127 2218
Used Vehicle Loan
4.99%
Up to 36 Months
▼
APR4.99%
TermUp to 36 Months
Last UpdatedSep 18, 2026
Details
Model Years 2021; As low as 4.99% up to 8.99%; Maximum borrowed $75,000; As low as 4.99% up to 8.99%
City of Boston Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
455 W Broadway, South Boston, MA, 02127 2218
Used Vehicle Loan
4.99%
37 - 48 Months
▼
APR4.99%
Term37 - 48 Months
Last UpdatedSep 18, 2026
Details
Model Years 2021; As low as 4.99% up to 8.99%; Maximum borrowed $75,000; As low as 4.99% up to 8.99%
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
155 State St, Newburyport, MA, 01950
Used Car Loans - 2023-2024 Models
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedSep 18, 2026
Details
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
155 State St, Newburyport, MA, 01950
Used Car Loans - 2023-2024 Models
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedSep 18, 2026
Details
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
155 State St, Newburyport, MA, 01950
Used Car Loans - 2023-2024 Models
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedSep 18, 2026
Details
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
155 State St, Newburyport, MA, 01950
Used Car Loans - 2023-2024 Models
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedSep 18, 2026
Details
Homefield Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.29%
86 Worcester St, North Grafton, MA, 01536 1020
Auto Loan
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedSep 18, 2026
Details
As Low As
Homefield Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.29%
86 Worcester St, North Grafton, MA, 01536 1020
Auto Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedSep 18, 2026
Details
As Low As
Homefield Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.29%
86 Worcester St, North Grafton, MA, 01536 1020
Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedSep 18, 2026
Details
As Low As
Homefield Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.29%
86 Worcester St, North Grafton, MA, 01536 1020
Auto Loan
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedSep 18, 2026
Details
As Low As
Homefield Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.29%
86 Worcester St, North Grafton, MA, 01536 1020
Auto Loan
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedSep 18, 2026
Details
As Low As
Mass Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.64%
1250 Hancock St, Quincy, MA, 02169
Used > 25K miles Auto Loan
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedSep 18, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.64%
1250 Hancock St, Quincy, MA, 02169
Used > 25K miles Auto Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedSep 18, 2026
Details
Tremont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.12%
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 UpdatedSep 18, 2026
Details
Merrimack Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.40%
500 Merrimack St, Lawrence, MA, 01843
Auto Loans - Model Years 2026 - 2021
4.99%
37 to 48 months
▼
APR4.99%
Term37 to 48 months
Last UpdatedSep 18, 2026
Details
As Low As; 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. Offer valid on auto loans originated on or after January 1, 2026. 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. Cost per thousand is calculated using the highest term in the range.
Merrimack Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.40%
500 Merrimack St, Lawrence, MA, 01843
Auto Loans - Model Years 2026 - 2021
4.99%
49 to 66 months
▼
APR4.99%
Term49 to 66 months
Last UpdatedSep 18, 2026
Details
As Low As; 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. Offer valid on auto loans originated on or after January 1, 2026. 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. Cost per thousand is calculated using the highest term in the range.
MyCom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
101 Fenn St, Pittsfield, MA, 01201
New Auto 2023 - 2026
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedSep 20, 2026
Details
NESC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
248 PLEASANT ST, METHUEN, MA, 01844
New and Used Auto Loans
4.99%
up to 84 months
▼
APR4.99%
Termup to 84 months
Last UpdatedSep 21, 2026
Details
As Low As; Rates shown are "as low as" and subject to change without notice. Actual rate will be based on creditworthiness, loan term, and other underwriting factors.
Health Alliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.38%
230 Highland Ave, Somerville, MA, 02143 1408
New Car Loans
4.99%
36-60 months
▼
APR4.99%
Term36-60 months
Last UpdatedSep 21, 2026
Details
As Low As
Health Alliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.38%
230 Highland Ave, Somerville, MA, 02143 1408
Used Car Loans (2023,2024)
4.99%
36-60 months
▼
APR4.99%
Term36-60 months
Last UpdatedSep 21, 2026
Details
GFA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.93%
229 Parker St, Gardner, MA, 01440 3703
Auto Loan
4.99%
24 Month
▼
APR4.99%
Term24 Month
Last UpdatedSep 21, 2026
Details
Morton Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
88 washington st, taunton, MA, 02780 2465
New Cars Loan
4.99%
up to 7 years
▼
APR4.99%
Termup to 7 years
Last UpdatedSep 21, 2026
Details
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
271 Greenwood St, Worcester, MA, 01607
Auto Loan - Model Year 2022
4.99%
48 Month
▼
APR4.99%
Term48 Month
Last UpdatedSep 21, 2026
Details
Workers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
815 Main St, Fitchburg, MA, 01420
New-2021 Auto Loan
4.99%
up to 66 Months
▼
APR4.99%
Termup to 66 Months
Last UpdatedSep 21, 2026
Details
As Low As; Based On: 66 Months
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
659 Eastern Ave, Fall River, MA, 02723
New Autos
5.00%
24 months
▼
APR5.00%
Term24 months
Last UpdatedSep 16, 2026
Details
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
659 Eastern Ave, Fall River, MA, 02723
New Autos
5.00%
36 months
▼
APR5.00%
Term36 months
Last UpdatedSep 16, 2026
Details
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
659 Eastern Ave, Fall River, MA, 02723
New Autos
5.00%
48 months
▼
APR5.00%
Term48 months
Last UpdatedSep 16, 2026
Details
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
659 Eastern Ave, Fall River, MA, 02723
New Autos
5.00%
60 months
▼
APR5.00%
Term60 months
Last UpdatedSep 16, 2026
Details
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
100 Highland Ave, Somerville, MA, 02143
New Car (2025 - 2026) Loan
5.00%
48 months
▼
APR5.00%
Term48 months
Last UpdatedSep 16, 2026
Details
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 Quincy Ave, Quincy, MA, 02169 6714
New Auto Loans
5.00%
73 - 84 months
▼
APR5.00%
Term73 - 84 months
Last UpdatedSep 18, 2026
Details
MASS INSTITUTE OF TECH
Institution Rating:
A5.0 ★ Texas Ratio: 7.47%
70 Westview St, Lexington, MA, 02421 3142
New Auto
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedSep 18, 2026
Details
MASS INSTITUTE OF TECH
Institution Rating:
A5.0 ★ Texas Ratio: 7.47%
70 Westview St, Lexington, MA, 02421 3142
New Mobility Vehicle Loan
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedSep 18, 2026
Details
MASS INSTITUTE OF TECH
Institution Rating:
A5.0 ★ Texas Ratio: 7.47%
70 Westview St, Lexington, MA, 02421 3142
New Mobility Vehicle Loan
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedSep 18, 2026
Details
MASS INSTITUTE OF TECH
Institution Rating:
A5.0 ★ Texas Ratio: 7.47%
70 Westview St, Lexington, MA, 02421 3142
New Mobility Vehicle Loan
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedSep 18, 2026
Details
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
282 Providence Hwy, Westwood, MA, 02090
Auto Loans
5.00%
6 years
▼
APR5.00%
Term6 years
Last UpdatedSep 20, 2026
Details
APR* as low as: 5.00%
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
282 Providence Hwy, Westwood, MA, 02090
Auto Loans
5.00%
5 years
▼
APR5.00%
Term5 years
Last UpdatedSep 20, 2026
Details
APR* as low as: 5.00%
Attleboro Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
138 S Main St, Attleboro, MA, 02703 3909
Used Automobile - 2021 - 2025 Loan
5.00%
Up to 72 Months
▼
APR5.00%
TermUp to 72 Months
Last UpdatedSep 21, 2026
Details
100% or up to 125% Financing & VSI/$75,000 Maximum
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
101 Page St, New Bedford, MA, 02740
New Automobile Loans
5.00%
24 months
▼
APR5.00%
Interest Rate5.00%
Term24 months
Last UpdatedSep 21, 2026
Details
LTV MAX: 24; FICO Score: Platinum 720+; Amount Down: 100%
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
101 Page St, New Bedford, MA, 02740
New Automobile Loans
5.00%
36 months
▼
APR5.00%
Interest Rate5.00%
Term36 months
Last UpdatedSep 21, 2026
Details
LTV MAX: 36; FICO Score: Platinum 720+; Amount Down: 100%
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
101 Page St, New Bedford, MA, 02740
New Automobile Loans
5.00%
48 months
▼
APR5.00%
Interest Rate5.00%
Term48 months
Last UpdatedSep 21, 2026
Details
LTV MAX: 48; FICO Score: Platinum 720+; Amount Down: 100%
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
101 Page St, New Bedford, MA, 02740
New Automobile Loans
5.00%
60 months
▼
APR5.00%
Interest Rate5.00%
Term60 months
Last UpdatedSep 21, 2026
Details
LTV MAX: 60; FICO Score: Platinum 720+; Amount Down: 100%
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
101 Page St, New Bedford, MA, 02740
Used Automobile Loans
5.00%
24 months
▼
APR5.00%
Interest Rate5.00%
Term24 months
Last UpdatedSep 21, 2026
Details
LTV MAX: 100%; FICO Score: Platinum 720+
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
101 Page St, New Bedford, MA, 02740
Used Automobile Loans
5.00%
36 months
▼
APR5.00%
Interest Rate5.00%
Term36 months
Last UpdatedSep 21, 2026
Details
LTV MAX: 100%; FICO Score: Platinum 720+
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
101 Page St, New Bedford, MA, 02740
Used Automobile Loans
5.00%
48 months
▼
APR5.00%
Interest Rate5.00%
Term48 months
Last UpdatedSep 21, 2026
Details
LTV MAX: 100%; FICO Score: Platinum 720+
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
101 Page St, New Bedford, MA, 02740
Used Automobile Loans
5.00%
60 months
▼
APR5.00%
Interest Rate5.00%
Term60 months
Last UpdatedSep 21, 2026
Details
LTV MAX: 100%; FICO Score: Platinum 720+
First Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
468 COUNTY ST, NEW BEDFORD, MA, 02740
Auto Loans
5.00%
3 years
▼
APR5.00%
Interest Rate5.00%
Term3 years
Last UpdatedSep 21, 2026
Details
First Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
468 COUNTY ST, NEW BEDFORD, MA, 02740
Auto Loans
5.00%
4 years
▼
APR5.00%
Interest Rate5.00%
Term4 years
Last UpdatedSep 21, 2026
Details
First Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
468 COUNTY ST, NEW BEDFORD, MA, 02740
Auto Loans
5.00%
5 years
▼
APR5.00%
Interest Rate5.00%
Term5 years
Last UpdatedSep 21, 2026
Details
First Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
468 COUNTY ST, NEW BEDFORD, MA, 02740
Auto Loans
5.00%
6 years
▼
APR5.00%
Interest Rate5.00%
Term6 years
Last UpdatedSep 21, 2026
Details
First Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
468 COUNTY ST, NEW BEDFORD, MA, 02740
Auto Loans
5.00%
7 years
▼
APR5.00%
Interest Rate5.00%
Term7 years
Last UpdatedSep 21, 2026
Details
MyCom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
101 Fenn St, Pittsfield, MA, 01201
New Auto 2023 - 2026
5.09%
72 Months
▼
APR5.09%
Term72 Months
Last UpdatedSep 20, 2026
Details
Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
156 Spring St, West Roxbury, MA, 02132
Vehicle Loan
5.12%
84 months
▼
APR5.12%
Term84 months
Last UpdatedSep 18, 2026
Details
Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
156 Spring St, West Roxbury, MA, 02132
Vehicle Loan
5.12%
60 months
▼
APR5.12%
Term60 months
Last UpdatedSep 18, 2026
Details
Methuen Co-operative Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.44%
243 Broadway, Methuen, MA, 01844
New Auto
5.12%
24 mo.
▼
APR5.12%
Interest Rate5.12%
Term24 mo.
Last UpdatedSep 19, 2026
Details
(7)
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
100 Boston Scientific Way, Marlborough, MA, 01752
Auto Loans - 2022 - 2024
5.14%
37 - 75 Months
▼
APR5.14%
Interest Rate5.14%
Term37 - 75 Months
Last UpdatedSep 18, 2026
Details
as low as; Loan Term
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
100 Boston Scientific Way, Marlborough, MA, 01752
Auto Loans - 2025 & Newer
5.14%
76 - 84 Months
▼
APR5.14%
Interest Rate5.14%
Term76 - 84 Months
Last UpdatedSep 18, 2026
Details
as low as; Loan Term; **76-84 month term available for model years 2025 and newer only.
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
271 Greenwood St, Worcester, MA, 01607
Auto Loan - Model Year 2023-27
5.14%
66 Month
▼
APR5.14%
Term66 Month
Last UpdatedSep 21, 2026
Details
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
271 Greenwood St, Worcester, MA, 01607
Auto Loan - Model Year 2022
5.19%
66 Month
▼
APR5.19%
Term66 Month
Last UpdatedSep 21, 2026
Details
New Bedford Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.80%
1150 Purchase St, New Bedford, MA, 02740 6635
Used Auto - 2021 - 2019 models
5.20%
36 months
▼
APR5.20%
Term36 months
Last UpdatedSep 18, 2026
Details
As Low As
New Bedford Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.80%
1150 Purchase St, New Bedford, MA, 02740 6635
Used Auto - 2021 - 2019 models
5.20%
48 months
▼
APR5.20%
Term48 months
Last UpdatedSep 18, 2026
Details
As Low As
New Bedford Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.80%
1150 Purchase St, New Bedford, MA, 02740 6635
Used Auto - 2021 - 2019 models
5.20%
60 months
▼
APR5.20%
Term60 months
Last UpdatedSep 18, 2026
Details
As Low As
New Bedford Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.80%
1150 Purchase St, New Bedford, MA, 02740 6635
Used Auto - 2024 - 2022 models
5.20%
36 months
▼
APR5.20%
Term36 months
Last UpdatedSep 18, 2026
Details
As Low As
New Bedford Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.80%
1150 Purchase St, New Bedford, MA, 02740 6635
Used Auto - 2024 - 2022 models
5.20%
48 months
▼
APR5.20%
Term48 months
Last UpdatedSep 18, 2026
Details
As Low As
New Bedford Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.80%
1150 Purchase St, New Bedford, MA, 02740 6635
Used Auto - 2024 - 2022 models
5.20%
60 months
▼
APR5.20%
Term60 months
Last UpdatedSep 18, 2026
Details
As Low As
Liberty Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
300 Granite St Fl 3, Braintree, MA, 02184 3909
Auto Loans
5.24%
37-60 months
▼
APR5.24%
Term37-60 months
Last UpdatedSep 18, 2026
Details
As Low As
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
155 State St, Newburyport, MA, 01950
New Car Loans - 2025-2026 Models or Newer
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedSep 18, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.64%
1250 Hancock St, Quincy, MA, 02169
Used > 25K miles Auto Loan
5.24%
72 months
▼
APR5.24%
Term72 months
Last UpdatedSep 18, 2026
Details
Tremont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.12%
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 UpdatedSep 18, 2026
Details
MASS INSTITUTE OF TECH
Institution Rating:
A5.0 ★ Texas Ratio: 7.47%
70 Westview St, Lexington, MA, 02421 3142
Used Auto
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedSep 18, 2026
Details
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
489 BOSTON TPKE, SHREWSBURY, MA, 01545
Vehicle Loan
5.24%
61 to 72 Months
▼
APR5.24%
Term61 to 72 Months
Last UpdatedSep 21, 2026
Details
MAX LOAN AMOUNT**: 120%
Common Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
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 UpdatedSep 21, 2026
Details
As Low As; Year: 2024-2026; Loan Amount: Maximum $100,000
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
659 Eastern Ave, Fall River, MA, 02723
New Autos
5.25%
72 months
▼
APR5.25%
Term72 months
Last UpdatedSep 16, 2026
Details
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
659 Eastern Ave, Fall River, MA, 02723
Used Autos
5.25%
24 Months
▼
APR5.25%
Term24 Months
Last UpdatedSep 16, 2026
Details
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
659 Eastern Ave, Fall River, MA, 02723
Used Autos
5.25%
36 Months
▼
APR5.25%
Term36 Months
Last UpdatedSep 16, 2026
Details
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
659 Eastern Ave, Fall River, MA, 02723
Used Autos
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedSep 16, 2026
Details
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
659 Eastern Ave, Fall River, MA, 02723
Used Autos
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedSep 16, 2026
Details
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
100 Highland Ave, Somerville, MA, 02143
Older Used Car (2019 - 2023) Loan
5.25%
36 months
▼
APR5.25%
Term36 months
Last UpdatedSep 16, 2026
Details
Polish National Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
46 Main St, Chicopee, MA, 01020
Used Automobile Loans, 2018-2025 Model Years
5.25%
60 Months
▼
APR5.25%
Interest Rate5.25%
Term60 Months
Last UpdatedSep 18, 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 UpdatedSep 18, 2026
Details
St Marys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
46 Lizotte Dr, Marlborough, MA, 01752 3061
Auto Loans
5.25%
2026 - 2020 vehicles
▼
APR5.25%
Term2026 - 2020 vehicles
Last UpdatedSep 18, 2026
Details
As Low As
Methuen Co-operative Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.44%
243 Broadway, Methuen, MA, 01844
New Auto
5.25%
36 mo.
▼
APR5.25%
Interest Rate5.25%
Term36 mo.
Last UpdatedSep 19, 2026
Details
(7)
Pittsfield Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
70 South St, Pittsfield, MA, 01201
Auto Loan
5.25%
36 Months
▼
APR5.25%
Term36 Months
Last UpdatedSep 20, 2026
Details
Year: 2026/2025/2024; Autopay from Checking
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
282 Providence Hwy, Westwood, MA, 02090
Auto Loans
5.25%
7 years
▼
APR5.25%
Term7 years
Last UpdatedSep 20, 2026
Details
APR* as low as: 5.25%
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
282 Providence Hwy, Westwood, MA, 02090
Auto Loans
5.25%
6 years
▼
APR5.25%
Term6 years
Last UpdatedSep 20, 2026
Details
APR* as low as: 5.25%
Powered by
MonitorBankRates
Massachusetts New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Cambridge Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
113 Garden St, Cambridge, MA, 02138 6700
New Auto / Motorcycles
2.99%
Up to 36 Months
▼
APR2.99%
Interest Rate2.99%
TermUp to 36 Months
Last UpdatedSep 16, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Logan International Airport, East Boston, MA, 02128
New Auto
3.34%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedSep 21, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
100 Boston Scientific Way, Marlborough, MA, 01752
Auto Loans - 2025 & Newer
3.64%
0 - 36 Months
▼
APR3.64%
Interest Rate3.64%
Term0 - 36 Months
Last UpdatedSep 18, 2026
Details
as low as; Loan Term
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
311 Chestnut St, Chelsea, MA, 02150
New Autos
3.99%
72 Months
▼
APR3.99%
Term72 Months
Last UpdatedSep 16, 2026
Details
90% Financing
Cambridge Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
113 Garden St, Cambridge, MA, 02138 6700
New Auto / Motorcycles
3.99%
37 to 60 Months
▼
APR3.99%
Interest Rate3.99%
Term37 to 60 Months
Last UpdatedSep 16, 2026
Details
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 Quincy Ave, Quincy, MA, 02169 6714
New Auto Loans
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedSep 18, 2026
Details
St Anthony Of Padua Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
806 Bedford St, Fall River, MA, 02723
New Auto Loans
3.99%
60 months
▼
APR3.99%
Term60 months
Last UpdatedSep 20, 2026
Details
Term: Maximum term to 60 months; As Low As
St Anthony Of Padua Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
806 Bedford St, Fall River, MA, 02723
New Auto Loans
3.99%
72 months
▼
APR3.99%
Term72 months
Last UpdatedSep 20, 2026
Details
Term: Maximum term to 72 months; As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Logan International Airport, East Boston, MA, 02128
New Auto
4.09%
Up to 60 months
▼
APR4.09%
TermUp to 60 months
Last UpdatedSep 21, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
100 Boston Scientific Way, Marlborough, MA, 01752
Auto Loans - 2025 & Newer
4.14%
37 - 75 Months
▼
APR4.14%
Interest Rate4.14%
Term37 - 75 Months
Last UpdatedSep 18, 2026
Details
as low as; Loan Term
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
24 Church St, Leominster, MA, 01453
New Vehicle Loan
4.24%
60 months
▼
APR4.24%
Term60 months
Last UpdatedSep 16, 2026
Details
As low as; Certain restrictions apply.
City of Boston Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
455 W Broadway, South Boston, MA, 02127 2218
New and Used Auto Loan
4.24%
Up to 48 Months
▼
APR4.24%
TermUp to 48 Months
Last UpdatedSep 18, 2026
Details
As low as 4.24% up to 7.99%; Maximum borrowed $150,000; Model Years 2025-2026
Albright Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.77%
1 Gillette Park, South Boston, MA, 02127 1028
New Auto Loans
4.44%
up to 60 months
▼
APR4.44%
Termup to 60 months
Last UpdatedSep 18, 2026
Details
Model year: 2025 or newer with less than 7,000 miles; Up to 100% financing available
City of Boston Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
455 W Broadway, South Boston, MA, 02127 2218
New and Used Auto Loan
4.49%
49 - 71 Months
▼
APR4.49%
Term49 - 71 Months
Last UpdatedSep 18, 2026
Details
As low as 4.49% up to 8.24%; Maximum borrowed $150,000; Model Years 2025-2026
Mass Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.64%
1250 Hancock St, Quincy, MA, 02169
New < 25K miles Auto Loan
4.49%
48 months
▼
APR4.49%
Term48 months
Last UpdatedSep 18, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.64%
1250 Hancock St, Quincy, MA, 02169
New < 25K miles Auto Loan
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedSep 18, 2026
Details
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
100 Highland Ave, Somerville, MA, 02143
New Car (2025 - 2026) Loan
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedSep 16, 2026
Details
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 Quincy Ave, Quincy, MA, 02169 6714
New Auto Loans
4.50%
37 - 48 months
▼
APR4.50%
Term37 - 48 months
Last UpdatedSep 18, 2026
Details
Methuen Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.88%
248 Broadway, Methuen, MA, 01844
Auto Loan (New or Used)
4.50%
up to 36 months
▼
APR4.50%
Termup to 36 months
Last UpdatedSep 21, 2026
Details
Car Model Year 2024 and Newer
Methuen Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.88%
248 Broadway, Methuen, MA, 01844
Auto Loan (New or Used)
4.50%
up to 48 months
▼
APR4.50%
Termup to 48 months
Last UpdatedSep 21, 2026
Details
Car Model Year 2024 and Newer
Methuen Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.88%
248 Broadway, Methuen, MA, 01844
Auto Loan (New or Used)
4.50%
up to 60 months
▼
APR4.50%
Termup to 60 months
Last UpdatedSep 21, 2026
Details
Car Model Year 2024 and Newer
Albright Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.77%
1 Gillette Park, South Boston, MA, 02127 1028
New Auto Loans
4.64%
61-72 months
▼
APR4.64%
Term61-72 months
Last UpdatedSep 18, 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: 1.15%
24 Church St, Leominster, MA, 01453
New Vehicle Loan
4.74%
72 months
▼
APR4.74%
Term72 months
Last UpdatedSep 16, 2026
Details
As low as; Certain restrictions apply.
City of Boston Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
455 W Broadway, South Boston, MA, 02127 2218
New and Used Auto Loan
4.74%
72 - 84 Months
▼
APR4.74%
Term72 - 84 Months
Last UpdatedSep 18, 2026
Details
As low as 4.74% up to 8.74%; Maximum borrowed $150,000; Model Years 2025-2026
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
155 State St, Newburyport, MA, 01950
New Car Loans - 2025-2026 Models or Newer
4.74%
24 Months
▼
APR4.74%
Term24 Months
Last UpdatedSep 18, 2026
Details
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
155 State St, Newburyport, MA, 01950
New Car Loans - 2025-2026 Models or Newer
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedSep 18, 2026
Details
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
155 State St, Newburyport, MA, 01950
New Car Loans - 2025-2026 Models or Newer
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedSep 18, 2026
Details
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
155 State St, Newburyport, MA, 01950
New Car Loans - 2025-2026 Models or Newer
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedSep 18, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.64%
1250 Hancock St, Quincy, MA, 02169
New < 25K miles Auto Loan
4.74%
72 months
▼
APR4.74%
Term72 months
Last UpdatedSep 18, 2026
Details
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 Quincy Ave, Quincy, MA, 02169 6714
New Auto Loans
4.75%
49 - 72 months
▼
APR4.75%
Term49 - 72 months
Last UpdatedSep 18, 2026
Details
MyCom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
101 Fenn St, Pittsfield, MA, 01201
New Auto 2023 - 2026
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedSep 20, 2026
Details
MyCom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
101 Fenn St, Pittsfield, MA, 01201
New Auto 2023 - 2026
4.89%
48 Months
▼
APR4.89%
Term48 Months
Last UpdatedSep 20, 2026
Details
Malden Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
10 Holden St, Malden, MA, 02148
New Auto
4.95%
2 - 5 Years
▼
APR4.95%
Term2 - 5 Years
Last UpdatedSep 14, 2026
Details
Maximum Amount: 110.00%
Members Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
29 High St, Medford, MA, 02155 3801
New Auto Loans
4.95%
up to 4-year term
▼
APR4.95%
Termup to 4-year term
Last UpdatedSep 18, 2026
Details
For new cars up to 4-year term
Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
950 Park St, Stoughton, MA, 02072
Auto Loans - New
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedSep 15, 2026
Details
Vehicle Years: 2025 - 2026
Cambridge Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
113 Garden St, Cambridge, MA, 02138 6700
New Auto / Motorcycles
4.99%
61 to 84 Months
▼
APR4.99%
Interest Rate4.99%
Term61 to 84 Months
Last UpdatedSep 16, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
87 Hale St, Lowell, MA, 01851
New/Used Auto (Model Years 2024-2026)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedSep 18, 2026
Details
As Low As; *
Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
87 Hale St, Lowell, MA, 01851
New/Used Auto (Model Years 2024-2026)
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedSep 18, 2026
Details
As Low As; *
Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
87 Hale St, Lowell, MA, 01851
New/Used Auto (Model Years 2024-2026)
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedSep 18, 2026
Details
As Low As; *
Polish National Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
46 Main St, Chicopee, MA, 01020
New Automobile Loans, 2025-2026 Model Years (Never Registered)
4.99%
84 Months
▼
APR4.99%
Interest Rate4.99%
Term84 Months
Last UpdatedSep 18, 2026
Details
New Bedford Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.80%
1150 Purchase St, New Bedford, MA, 02740 6635
New Auto - 2025 and newer models
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedSep 18, 2026
Details
As Low As; *
New Bedford Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.80%
1150 Purchase St, New Bedford, MA, 02740 6635
New Auto - 2025 and newer models
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedSep 18, 2026
Details
As Low As
New Bedford Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.80%
1150 Purchase St, New Bedford, MA, 02740 6635
New Auto - 2025 and newer models
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedSep 18, 2026
Details
As Low As; **
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA, 01851
New & Used Auto WITH Direct Deposit
4.99%
3 Years
▼
APR4.99%
Term3 Years
Last UpdatedSep 18, 2026
Details
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
30 Pond St, Sharon, MA, 02067 2040
New Auto Loans
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedSep 18, 2026
Details
Vehicle Year: 2025 - 2027; Advertised APR is the lowest available. Not all borrowers will qualify for the lowest rate.
MyCom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
101 Fenn St, Pittsfield, MA, 01201
New Auto 2023 - 2026
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedSep 20, 2026
Details
NESC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
248 PLEASANT ST, METHUEN, MA, 01844
New and Used Auto Loans
4.99%
up to 84 months
▼
APR4.99%
Termup to 84 months
Last UpdatedSep 21, 2026
Details
As Low As; Rates shown are "as low as" and subject to change without notice. Actual rate will be based on creditworthiness, loan term, and other underwriting factors.
Health Alliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.38%
230 Highland Ave, Somerville, MA, 02143 1408
New Car Loans
4.99%
36-60 months
▼
APR4.99%
Term36-60 months
Last UpdatedSep 21, 2026
Details
As Low As
Morton Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
88 washington st, taunton, MA, 02780 2465
New Cars Loan
4.99%
up to 7 years
▼
APR4.99%
Termup to 7 years
Last UpdatedSep 21, 2026
Details
Workers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
815 Main St, Fitchburg, MA, 01420
New-2021 Auto Loan
4.99%
up to 66 Months
▼
APR4.99%
Termup to 66 Months
Last UpdatedSep 21, 2026
Details
As Low As; Based On: 66 Months
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
659 Eastern Ave, Fall River, MA, 02723
New Autos
5.00%
24 months
▼
APR5.00%
Term24 months
Last UpdatedSep 16, 2026
Details
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
659 Eastern Ave, Fall River, MA, 02723
New Autos
5.00%
36 months
▼
APR5.00%
Term36 months
Last UpdatedSep 16, 2026
Details
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
659 Eastern Ave, Fall River, MA, 02723
New Autos
5.00%
48 months
▼
APR5.00%
Term48 months
Last UpdatedSep 16, 2026
Details
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
659 Eastern Ave, Fall River, MA, 02723
New Autos
5.00%
60 months
▼
APR5.00%
Term60 months
Last UpdatedSep 16, 2026
Details
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
100 Highland Ave, Somerville, MA, 02143
New Car (2025 - 2026) Loan
5.00%
48 months
▼
APR5.00%
Term48 months
Last UpdatedSep 16, 2026
Details
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 Quincy Ave, Quincy, MA, 02169 6714
New Auto Loans
5.00%
73 - 84 months
▼
APR5.00%
Term73 - 84 months
Last UpdatedSep 18, 2026
Details
MASS INSTITUTE OF TECH
Institution Rating:
A5.0 ★ Texas Ratio: 7.47%
70 Westview St, Lexington, MA, 02421 3142
New Auto
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedSep 18, 2026
Details
MASS INSTITUTE OF TECH
Institution Rating:
A5.0 ★ Texas Ratio: 7.47%
70 Westview St, Lexington, MA, 02421 3142
New Mobility Vehicle Loan
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedSep 18, 2026
Details
MASS INSTITUTE OF TECH
Institution Rating:
A5.0 ★ Texas Ratio: 7.47%
70 Westview St, Lexington, MA, 02421 3142
New Mobility Vehicle Loan
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedSep 18, 2026
Details
MASS INSTITUTE OF TECH
Institution Rating:
A5.0 ★ Texas Ratio: 7.47%
70 Westview St, Lexington, MA, 02421 3142
New Mobility Vehicle Loan
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedSep 18, 2026
Details
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
101 Page St, New Bedford, MA, 02740
New Automobile Loans
5.00%
24 months
▼
APR5.00%
Interest Rate5.00%
Term24 months
Last UpdatedSep 21, 2026
Details
LTV MAX: 24; FICO Score: Platinum 720+; Amount Down: 100%
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
101 Page St, New Bedford, MA, 02740
New Automobile Loans
5.00%
36 months
▼
APR5.00%
Interest Rate5.00%
Term36 months
Last UpdatedSep 21, 2026
Details
LTV MAX: 36; FICO Score: Platinum 720+; Amount Down: 100%
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
101 Page St, New Bedford, MA, 02740
New Automobile Loans
5.00%
48 months
▼
APR5.00%
Interest Rate5.00%
Term48 months
Last UpdatedSep 21, 2026
Details
LTV MAX: 48; FICO Score: Platinum 720+; Amount Down: 100%
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
101 Page St, New Bedford, MA, 02740
New Automobile Loans
5.00%
60 months
▼
APR5.00%
Interest Rate5.00%
Term60 months
Last UpdatedSep 21, 2026
Details
LTV MAX: 60; FICO Score: Platinum 720+; Amount Down: 100%
MyCom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
101 Fenn St, Pittsfield, MA, 01201
New Auto 2023 - 2026
5.09%
72 Months
▼
APR5.09%
Term72 Months
Last UpdatedSep 20, 2026
Details
Methuen Co-operative Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.44%
243 Broadway, Methuen, MA, 01844
New Auto
5.12%
24 mo.
▼
APR5.12%
Interest Rate5.12%
Term24 mo.
Last UpdatedSep 19, 2026
Details
(7)
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
100 Boston Scientific Way, Marlborough, MA, 01752
Auto Loans - 2025 & Newer
5.14%
76 - 84 Months
▼
APR5.14%
Interest Rate5.14%
Term76 - 84 Months
Last UpdatedSep 18, 2026
Details
as low as; Loan Term; **76-84 month term available for model years 2025 and newer only.
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
155 State St, Newburyport, MA, 01950
New Car Loans - 2025-2026 Models or Newer
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedSep 18, 2026
Details
Common Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
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 UpdatedSep 21, 2026
Details
As Low As; Year: 2024-2026; Loan Amount: Maximum $100,000
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
659 Eastern Ave, Fall River, MA, 02723
New Autos
5.25%
72 months
▼
APR5.25%
Term72 months
Last UpdatedSep 16, 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 UpdatedSep 18, 2026
Details
Methuen Co-operative Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.44%
243 Broadway, Methuen, MA, 01844
New Auto
5.25%
36 mo.
▼
APR5.25%
Interest Rate5.25%
Term36 mo.
Last UpdatedSep 19, 2026
Details
(7)
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MonitorBankRates
Massachusetts Used 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: 2.50%
Logan International Airport, East Boston, MA, 02128
Used Auto
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedSep 21, 2026
Details
As Low As
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
311 Chestnut St, Chelsea, MA, 02150
Used Autos - 2026 - 2027
3.99%
72 Months
▼
APR3.99%
Term72 Months
Last UpdatedSep 16, 2026
Details
Amount: 90% Financing
Cambridge Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
113 Garden St, Cambridge, MA, 02138 6700
Used Auto / Motorcycles
3.99%
Up to 36 Months
▼
APR3.99%
Interest Rate3.99%
TermUp to 36 Months
Last UpdatedSep 16, 2026
Details
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 Quincy Ave, Quincy, MA, 02169 6714
Pre-Owned Auto Loans
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedSep 18, 2026
Details
City of Boston Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
455 W Broadway, South Boston, MA, 02127 2218
New and Used Auto Loan
4.24%
Up to 48 Months
▼
APR4.24%
TermUp to 48 Months
Last UpdatedSep 18, 2026
Details
As low as 4.24% up to 7.99%; Maximum borrowed $150,000; Model Years 2025-2026
City of Boston Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
455 W Broadway, South Boston, MA, 02127 2218
Used Vehicle Loan
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedSep 18, 2026
Details
As low as 4.24% up to 7.99%
City of Boston Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
455 W Broadway, South Boston, MA, 02127 2218
New and Used Auto Loan
4.49%
49 - 71 Months
▼
APR4.49%
Term49 - 71 Months
Last UpdatedSep 18, 2026
Details
As low as 4.49% up to 8.24%; Maximum borrowed $150,000; Model Years 2025-2026
City of Boston Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
455 W Broadway, South Boston, MA, 02127 2218
Used Vehicle Loan
4.49%
37 - 60 Months
▼
APR4.49%
Term37 - 60 Months
Last UpdatedSep 18, 2026
Details
As low as 4.49% up to 8.24%
St Anthony Of Padua Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
806 Bedford St, Fall River, MA, 02723
Used Auto Loans - with 15% down
4.49%
48 months
▼
APR4.49%
Term48 months
Last UpdatedSep 20, 2026
Details
Term: Maximum term to 48 months; Vehicles 1 - 5 years old
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 Quincy Ave, Quincy, MA, 02169 6714
Pre-Owned Auto Loans
4.50%
37 - 48 months
▼
APR4.50%
Term37 - 48 months
Last UpdatedSep 18, 2026
Details
Methuen Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.88%
248 Broadway, Methuen, MA, 01844
Auto Loan (New or Used)
4.50%
up to 36 months
▼
APR4.50%
Termup to 36 months
Last UpdatedSep 21, 2026
Details
Car Model Year 2024 and Newer
Methuen Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.88%
248 Broadway, Methuen, MA, 01844
Auto Loan (New or Used)
4.50%
up to 48 months
▼
APR4.50%
Termup to 48 months
Last UpdatedSep 21, 2026
Details
Car Model Year 2024 and Newer
Methuen Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.88%
248 Broadway, Methuen, MA, 01844
Auto Loan (New or Used)
4.50%
up to 60 months
▼
APR4.50%
Termup to 60 months
Last UpdatedSep 21, 2026
Details
Car Model Year 2024 and Newer
Attleboro Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
138 S Main St, Attleboro, MA, 02703 3909
Used Automobile - 2021 - 2025 Loan
4.50%
Up to 48 Months
▼
APR4.50%
TermUp to 48 Months
Last UpdatedSep 21, 2026
Details
100% or up to 125% Financing & VSI/$75,000 Maximum
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Logan International Airport, East Boston, MA, 02128
Used Auto
4.59%
Up to 60 months
▼
APR4.59%
TermUp to 60 months
Last UpdatedSep 21, 2026
Details
As Low As
Albright Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.77%
1 Gillette Park, South Boston, MA, 02127 1028
Used Auto Loans
4.64%
up to 48 months
▼
APR4.64%
Termup to 48 months
Last UpdatedSep 18, 2026
Details
Model years: 2023 or newer (and 2025 with more than 7,000 miles; Up to 100% financing available
Albright Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.77%
1 Gillette Park, South Boston, MA, 02127 1028
Used Auto Loans
4.64%
49-60 months
▼
APR4.64%
Term49-60 months
Last UpdatedSep 18, 2026
Details
Model years: 2023 or newer (and 2025 with more than 7,000 miles; Up to 100% financing available
City of Boston Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
455 W Broadway, South Boston, MA, 02127 2218
New and Used Auto Loan
4.74%
72 - 84 Months
▼
APR4.74%
Term72 - 84 Months
Last UpdatedSep 18, 2026
Details
As low as 4.74% up to 8.74%; Maximum borrowed $150,000; Model Years 2025-2026
City of Boston Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
455 W Broadway, South Boston, MA, 02127 2218
Used Vehicle Loan
4.74%
61-72 Months
▼
APR4.74%
Term61-72 Months
Last UpdatedSep 18, 2026
Details
As low as 4.74% up to 8.74%
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
100 Highland Ave, Somerville, MA, 02143
Used Car (2022 - 2024) Loan
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedSep 16, 2026
Details
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 Quincy Ave, Quincy, MA, 02169 6714
Pre-Owned Auto Loans
4.75%
49 - 72 months
▼
APR4.75%
Term49 - 72 months
Last UpdatedSep 18, 2026
Details
Attleboro Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
138 S Main St, Attleboro, MA, 02703 3909
Used Automobile - 2021 - 2025 Loan
4.75%
Up to 60 Months
▼
APR4.75%
TermUp to 60 Months
Last UpdatedSep 21, 2026
Details
100% or up to 125% Financing & VSI/$75,000 Maximum
Malden Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
10 Holden St, Malden, MA, 02148
Used Auto (Under 4 Years Old)
4.95%
4 Years
▼
APR4.95%
Term4 Years
Last UpdatedSep 14, 2026
Details
Maximum Amount: 100.00%
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
311 Chestnut St, Chelsea, MA, 02150
Used Autos - 2023 - 2025
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedSep 16, 2026
Details
Amount: 90% Financing
Cambridge Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
113 Garden St, Cambridge, MA, 02138 6700
Used Auto / Motorcycles
4.99%
37 to 60 Months
▼
APR4.99%
Interest Rate4.99%
Term37 to 60 Months
Last UpdatedSep 16, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
87 Hale St, Lowell, MA, 01851
New/Used Auto (Model Years 2024-2026)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedSep 18, 2026
Details
As Low As; *
Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
87 Hale St, Lowell, MA, 01851
New/Used Auto (Model Years 2024-2026)
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedSep 18, 2026
Details
As Low As; *
Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
87 Hale St, Lowell, MA, 01851
New/Used Auto (Model Years 2024-2026)
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedSep 18, 2026
Details
As Low As; *
Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
87 Hale St, Lowell, MA, 01851
Used Auto (Model Years < 2024)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedSep 18, 2026
Details
As Low As; *
Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
87 Hale St, Lowell, MA, 01851
Used Auto (Model Years < 2024)
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedSep 18, 2026
Details
As Low As; *
Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
87 Hale St, Lowell, MA, 01851
Used Auto (Model Years < 2024)
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedSep 18, 2026
Details
As Low As; *
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA, 01851
New & Used Auto WITH Direct Deposit
4.99%
3 Years
▼
APR4.99%
Term3 Years
Last UpdatedSep 18, 2026
Details
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
30 Pond St, Sharon, MA, 02067 2040
Used Auto Loans
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedSep 18, 2026
Details
Vehicle Year: 2022 - 2026; Used vehicle: 2025-2026 vehicle with 5,000 or more miles or 2016-2024 vehicle with 120,000 or less miles. Your rate, term, and approved loan amount may vary based on your creditworthiness. Advertised APR is the lowest available. Not all borrowers will qualify for the lowest rate. Rates are effective as of today's date and are subject to change without notice. Up to 125% financing may be available for vehicles with mileage less than 120,000. 64-75-month terms available for mileage less than 90,000 and a minimum amount financed of $15,000.
City of Boston Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
455 W Broadway, South Boston, MA, 02127 2218
Used Vehicle Loan
4.99%
Up to 36 Months
▼
APR4.99%
TermUp to 36 Months
Last UpdatedSep 18, 2026
Details
Model Years 2021; As low as 4.99% up to 8.99%; Maximum borrowed $75,000; As low as 4.99% up to 8.99%
City of Boston Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
455 W Broadway, South Boston, MA, 02127 2218
Used Vehicle Loan
4.99%
37 - 48 Months
▼
APR4.99%
Term37 - 48 Months
Last UpdatedSep 18, 2026
Details
Model Years 2021; As low as 4.99% up to 8.99%; Maximum borrowed $75,000; As low as 4.99% up to 8.99%
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
155 State St, Newburyport, MA, 01950
Used Car Loans - 2023-2024 Models
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedSep 18, 2026
Details
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
155 State St, Newburyport, MA, 01950
Used Car Loans - 2023-2024 Models
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedSep 18, 2026
Details
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
155 State St, Newburyport, MA, 01950
Used Car Loans - 2023-2024 Models
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedSep 18, 2026
Details
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
155 State St, Newburyport, MA, 01950
Used Car Loans - 2023-2024 Models
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedSep 18, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.64%
1250 Hancock St, Quincy, MA, 02169
Used > 25K miles Auto Loan
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedSep 18, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.64%
1250 Hancock St, Quincy, MA, 02169
Used > 25K miles Auto Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedSep 18, 2026
Details
NESC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
248 PLEASANT ST, METHUEN, MA, 01844
New and Used Auto Loans
4.99%
up to 84 months
▼
APR4.99%
Termup to 84 months
Last UpdatedSep 21, 2026
Details
As Low As; Rates shown are "as low as" and subject to change without notice. Actual rate will be based on creditworthiness, loan term, and other underwriting factors.
Health Alliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.38%
230 Highland Ave, Somerville, MA, 02143 1408
Used Car Loans (2023,2024)
4.99%
36-60 months
▼
APR4.99%
Term36-60 months
Last UpdatedSep 21, 2026
Details
Attleboro Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
138 S Main St, Attleboro, MA, 02703 3909
Used Automobile - 2021 - 2025 Loan
5.00%
Up to 72 Months
▼
APR5.00%
TermUp to 72 Months
Last UpdatedSep 21, 2026
Details
100% or up to 125% Financing & VSI/$75,000 Maximum
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
101 Page St, New Bedford, MA, 02740
Used Automobile Loans
5.00%
24 months
▼
APR5.00%
Interest Rate5.00%
Term24 months
Last UpdatedSep 21, 2026
Details
LTV MAX: 100%; FICO Score: Platinum 720+
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
101 Page St, New Bedford, MA, 02740
Used Automobile Loans
5.00%
36 months
▼
APR5.00%
Interest Rate5.00%
Term36 months
Last UpdatedSep 21, 2026
Details
LTV MAX: 100%; FICO Score: Platinum 720+
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
101 Page St, New Bedford, MA, 02740
Used Automobile Loans
5.00%
48 months
▼
APR5.00%
Interest Rate5.00%
Term48 months
Last UpdatedSep 21, 2026
Details
LTV MAX: 100%; FICO Score: Platinum 720+
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
101 Page St, New Bedford, MA, 02740
Used Automobile Loans
5.00%
60 months
▼
APR5.00%
Interest Rate5.00%
Term60 months
Last UpdatedSep 21, 2026
Details
LTV MAX: 100%; FICO Score: Platinum 720+
New Bedford Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.80%
1150 Purchase St, New Bedford, MA, 02740 6635
Used Auto - 2021 - 2019 models
5.20%
36 months
▼
APR5.20%
Term36 months
Last UpdatedSep 18, 2026
Details
As Low As
New Bedford Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.80%
1150 Purchase St, New Bedford, MA, 02740 6635
Used Auto - 2021 - 2019 models
5.20%
48 months
▼
APR5.20%
Term48 months
Last UpdatedSep 18, 2026
Details
As Low As
New Bedford Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.80%
1150 Purchase St, New Bedford, MA, 02740 6635
Used Auto - 2021 - 2019 models
5.20%
60 months
▼
APR5.20%
Term60 months
Last UpdatedSep 18, 2026
Details
As Low As
New Bedford Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.80%
1150 Purchase St, New Bedford, MA, 02740 6635
Used Auto - 2024 - 2022 models
5.20%
36 months
▼
APR5.20%
Term36 months
Last UpdatedSep 18, 2026
Details
As Low As
New Bedford Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.80%
1150 Purchase St, New Bedford, MA, 02740 6635
Used Auto - 2024 - 2022 models
5.20%
48 months
▼
APR5.20%
Term48 months
Last UpdatedSep 18, 2026
Details
As Low As
New Bedford Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.80%
1150 Purchase St, New Bedford, MA, 02740 6635
Used Auto - 2024 - 2022 models
5.20%
60 months
▼
APR5.20%
Term60 months
Last UpdatedSep 18, 2026
Details
As Low As
Mass Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.64%
1250 Hancock St, Quincy, MA, 02169
Used > 25K miles Auto Loan
5.24%
72 months
▼
APR5.24%
Term72 months
Last UpdatedSep 18, 2026
Details
MASS INSTITUTE OF TECH
Institution Rating:
A5.0 ★ Texas Ratio: 7.47%
70 Westview St, Lexington, MA, 02421 3142
Used Auto
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedSep 18, 2026
Details
Common Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
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 UpdatedSep 21, 2026
Details
As Low As; Year: 2024-2026; Loan Amount: Maximum $100,000
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
659 Eastern Ave, Fall River, MA, 02723
Used Autos
5.25%
24 Months
▼
APR5.25%
Term24 Months
Last UpdatedSep 16, 2026
Details
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
659 Eastern Ave, Fall River, MA, 02723
Used Autos
5.25%
36 Months
▼
APR5.25%
Term36 Months
Last UpdatedSep 16, 2026
Details
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
659 Eastern Ave, Fall River, MA, 02723
Used Autos
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedSep 16, 2026
Details
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
659 Eastern Ave, Fall River, MA, 02723
Used Autos
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedSep 16, 2026
Details
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
100 Highland Ave, Somerville, MA, 02143
Older Used Car (2019 - 2023) Loan
5.25%
36 months
▼
APR5.25%
Term36 months
Last UpdatedSep 16, 2026
Details
Polish National Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
46 Main St, Chicopee, MA, 01020
Used Automobile Loans, 2018-2025 Model Years
5.25%
60 Months
▼
APR5.25%
Interest Rate5.25%
Term60 Months
Last UpdatedSep 18, 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 UpdatedSep 18, 2026
Details
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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
6.012%
▼ 0.454 vs 7 days ago
Massachusetts new auto rates fell 0.454 points over the past 7 days to 6.012% APR.
Used Auto Loan MA Avg
6.383%
▼ 0.336 vs 7 days ago
Massachusetts used auto rates fell 0.336 points over the past 7 days to 6.383% APR.
As of Sep 22, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Massachusetts Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Massachusetts figures.
Current New Auto Avg
6.01%
APR, as of Sep 22, 2026
6-Month Forecast
6.09%
Fed hold assumed
12-Month Forecast
6.16%
Range: 5.81% to 6.36%
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Massachusetts APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 6.01% APR MA average | Used Auto @ 6.38% APR MA average | Monthly Difference |
|---|---|---|---|
| $15,000 | $290.07/mo | $292.67/mo | $2.60/mo |
| $25,000 | $483.46/mo | $487.79/mo | $4.33/mo |
| $35,000 | $676.84/mo | $682.90/mo | $6.06/mo |
| $45,000 | $870.22/mo | $878.02/mo | $7.79/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in Massachusetts
1
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Massachusetts locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
2
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Massachusetts. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
3
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
4
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
Building a down payment, or is an auto loan not the right fit?
- Saving up for a bigger down payment: park it in a Massachusetts high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Massachusetts CD rates lock in a guaranteed return until you’re ready to buy
Massachusetts Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
$57,232
Median Individual Earnings
National avg: $47,340
5.1%
Unemployment Rate
National avg: 4.8%
10.0%
Poverty Rate
National avg: 11.1%
$580/mo
Payment on a $30K / 60-mo Loan
At MA new-auto avg 6.01% APR
A $580 monthly car payment works out to roughly 12.2% of the median individual income in Massachusetts. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15–20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Massachusetts, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1–3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0–2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Massachusetts. We’ve prefilled the APR with today’s MA new-auto average, or click any current rate on the right to apply it instantly.
$
$
%
Current Rates: Click to Apply
$0
Estimated Monthly Payment
Loan Amount$0
Total Interest Paid$0
Total of All Payments$0
Total Cost incl. Down Payment$0
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
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.
Should I get preapproved for an auto loan before visiting a dealer in Massachusetts?
Yes. A preapproval from a bank or credit union serving Massachusetts gives you a real rate to compare against dealer financing and turns you into a cash buyer at the negotiating table. Dealers often mark up the rates they arrange, so walking in with a preapproved offer routinely saves buyers money on the financing side of the deal.
Why are used car loan rates higher than new car rates?
Lenders charge more for used vehicles because they are harder to value, depreciate unpredictably, and carry more repossession risk. The spread between new and used rates is typically 0.5 to 1.5 percentage points. A late-model certified pre-owned vehicle sometimes qualifies for new-car rates, so ask the lender how they classify the vehicle before assuming the used rate applies.
Can I refinance my auto loan if rates drop or my credit improves?
Yes. Auto loan refinancing is usually fast and often fee-free. If your credit score has improved since you bought the vehicle, or you financed at a marked-up dealer rate, refinancing with a bank or credit union serving Massachusetts can lower your monthly payment or shorten your term. It makes the most sense early in the loan, while most of your payments are still going to interest.
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:
- Cambridge Firefighters Federal Credit Union: 2.99% (New Auto / Motorcycles)
- American Airlines Federal Credit Union: 3.34% (New Auto)
- Energy Credit Union: 3.50% (Vehicle Loan)
- Baxter Credit Union: 3.64% (Auto Loans - 2025 & Newer)
- Chelsea Employees Federal Credit Union: 3.99% (New Autos)
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: September 21, 2026
Massachusetts Rates & Resources
Massachusetts Mortgage Rates
Massachusetts Refinance Rates
Massachusetts Home Equity Loan Rates
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Auto Loan Rates by City in Massachusetts
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