Auto Loan Rates in Massachusetts (MA) for April 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Massachusetts. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Massachusetts include Baxter Credit UnionBaxter Credit Union100 Boston Scientific Way, Marlborough, MA, 01752A5.0 ★Texas Ratio: 7.73% offering Auto Loans at 3.24%, American Airlines Federal Credit UnionAmerican Airlines Federal Credit UnionLogan International Airport, East Boston, MA, 02128A+5.0 ★Texas Ratio: 2.63% offering New Auto at 3.74%, Chelsea Employees Federal Credit UnionChelsea Employees Federal Credit Union311 Chestnut St, Chelsea, MA, 02150A+5.0 ★Texas Ratio: 3.35% offering New Autos at 3.99%, Plymouth County Teachers Federal Credit UnionPlymouth County Teachers Federal Credit Union2203 Cranberry Hwy, West Wareham, MA, 02576 1210A5.0 ★Texas Ratio: 10.45% offering Auto Loan at 3.99%, Quincy Credit UnionQuincy Credit Union100 Quincy Ave, Quincy, MA, 02169 6714A+5.0 ★Texas Ratio: 4.37% offering New Auto Loans at 3.99%. Auto loan rates as of April 19, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across Massachusetts side-by-side. Massachusetts auto loan rates currently start as low as 3.24% APR from Baxter Credit Union at 100 Boston Scientific Way, Marlborough, MA, 01752. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Massachusetts. Auto Loan Rates Last Updated and Verified: April 19, 2026
Compare Auto Loan Rates Today in Massachusetts
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
100 Boston Scientific Way, Marlborough, MA, 01752
Auto Loans
3.24%
Auto Buying Service
▼
APR3.24%
TermAuto Buying Service
Last UpdatedApr 19, 2026
Details
As Low As; APR - 2026 & Newer
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Logan International Airport, East Boston, MA, 02128
New Auto
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
311 Chestnut St, Chelsea, MA, 02150
New Autos
3.99%
72 Months
▼
APR3.99%
Term72 Months
Last UpdatedApr 17, 2026
Details
90% Financing
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
311 Chestnut St, Chelsea, MA, 02150
Used Autos 2025 - 2026
3.99%
72 Months
▼
APR3.99%
Term72 Months
Last UpdatedApr 17, 2026
Details
90% Financing
Plymouth County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
2203 Cranberry Hwy, West Wareham, MA, 02576 1210
Auto Loan
3.99%
65 Months
▼
APR3.99%
Term65 Months
Last UpdatedApr 18, 2026
Details
As Low As
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
100 Quincy Ave, Quincy, MA, 02169 6714
New Auto Loans
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; APR with Auto Pay
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
100 Quincy Ave, Quincy, MA, 02169 6714
Pre-Owned Auto Loans
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; APR with Auto Pay
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
100 Boston Scientific Way, Marlborough, MA, 01752
Auto Loans
3.99%
0 - 75 Months
▼
APR3.99%
Term0 - 75 Months
Last UpdatedApr 19, 2026
Details
As Low As; APR - 2026 & Newer
PIONEER VALLEY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
246 Brookdale Dr, Springfield, MA, 01104
Vehicle Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
24 Church St, Leominster, MA, 01453
New / Used Auto Loans 2022 - 2021
4.24%
60 Months
▼
APR4.24%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As; Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay.; 100% financing available for qualified vehicles.; Used Vehicle rates are based on J.D. Power book value; 84 Month Term for qualified vehicles and borrowers only; All rates are subject to change without notice.
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
24 Church St, Leominster, MA, 01453
New / Used Auto Loans 2026 - 2023
4.24%
60 Months
▼
APR4.24%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As; Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay.; 100% financing available for qualified vehicles.; Used Vehicle rates are based on J.D. Power book value; 84 Month Term for qualified vehicles and borrowers only; All rates are subject to change without notice.
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
24 Church St, Leominster, MA, 01453
New Vehicle
4.24%
60 Months
▼
APR4.24%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As; Certain restrictions apply.
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Logan International Airport, East Boston, MA, 02128
Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
100 Quincy Ave, Quincy, MA, 02169 6714
New Auto Loans
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; APR with Auto Pay
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
100 Quincy Ave, Quincy, MA, 02169 6714
Pre-Owned Auto Loans
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; APR with Auto Pay
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
455 W Broadway, South Boston, MA, 02127 2218
New and Used Vehicle Loan
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; Maximum borrowed $150,000; Model Years 2025-2026
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
455 W Broadway, South Boston, MA, 02127 2218
Used Vehicle Loan (Model Years 2022-2024)
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; Maximum borrowed $150,000
Watertown Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
149 MAIN ST, WATERTOWN, MA, 02472 4410
New/Refinanced New Autos 2024/2025 Models
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 8, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Logan International Airport, East Boston, MA, 02128
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details
As Low As
Worcester Fire Dept Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
34 GLENNIE ST, WORCESTER, MA, 01605
NEW CAR (2024-2026)
4.49%
4 years
▼
APR4.49%
Term4 years
Last UpdatedApr 19, 2026
Details
As Low As
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
100 Quincy Ave, Quincy, MA, 02169 6714
New Auto Loans
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As; APR with Auto Pay
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
100 Quincy Ave, Quincy, MA, 02169 6714
Pre-Owned Auto Loans
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As; APR with Auto Pay
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
455 W Broadway, South Boston, MA, 02127 2218
New and Used Vehicle Loan
4.49%
71 Months
▼
APR4.49%
Term71 Months
Last UpdatedApr 19, 2026
Details
As Low As; Maximum borrowed $150,000; Model Years 2025-2026
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
455 W Broadway, South Boston, MA, 02127 2218
Used Vehicle Loan (Model Years 2022-2024)
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; Maximum borrowed $150,000
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
155 State St, Newburyport, MA, 01950
New Car Loans 2025-2026 Models or newer
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedApr 19, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
1250 Hancock St, Quincy, MA, 02169
4 Year Auto Loans New < 25K miles
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
1250 Hancock St, Quincy, MA, 02169
New < 25K miles Auto Loan
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedApr 19, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
100 Boston Scientific Way, Marlborough, MA, 01752
Auto Loans
4.49%
Auto Buying Service
▼
APR4.49%
TermAuto Buying Service
Last UpdatedApr 19, 2026
Details
As Low As; APR - 2023 - 2025*
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA, 02143
New Car (2025 - 2026)
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedApr 11, 2026
Details
Watertown Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
149 MAIN ST, WATERTOWN, MA, 02472 4410
New/Refinanced New Autos 2024/2025 Models
4.55%
48 Months
▼
APR4.55%
Term48 Months
Last UpdatedApr 8, 2026
Details
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
24 Church St, Leominster, MA, 01453
New / Used Auto Loans 2020 & Older
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As; Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay.; 100% financing available for qualified vehicles.; Used Vehicle rates are based on J.D. Power book value; 84 Month Term for qualified vehicles and borrowers only; All rates are subject to change without notice.
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
24 Church St, Leominster, MA, 01453
New / Used Auto Loans 2026 - 2023
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As; Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay.; 100% financing available for qualified vehicles.; Used Vehicle rates are based on J.D. Power book value; 84 Month Term for qualified vehicles and borrowers only; All rates are subject to change without notice.
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
24 Church St, Leominster, MA, 01453
New Vehicle
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As; Certain restrictions apply.
Worcester Fire Dept Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
34 GLENNIE ST, WORCESTER, MA, 01605
NEW CAR (2024-2026)
4.74%
5 years
▼
APR4.74%
Term5 years
Last UpdatedApr 19, 2026
Details
As Low As
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
100 Quincy Ave, Quincy, MA, 02169 6714
New Auto Loans
4.74%
84 Months
▼
APR4.74%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As; APR with Auto Pay
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
455 W Broadway, South Boston, MA, 02127 2218
New and Used Vehicle Loan
4.74%
84 Months
▼
APR4.74%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As; Maximum borrowed $150,000; Model Years 2025-2026
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
455 W Broadway, South Boston, MA, 02127 2218
Used Vehicle Loan (Model Years 2022-2024)
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As; Maximum borrowed $150,000
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
155 State St, Newburyport, MA, 01950
Used Car Loans 2023-2024 Models
4.74%
24 Months
▼
APR4.74%
Term24 Months
Last UpdatedApr 19, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
1250 Hancock St, Quincy, MA, 02169
6 Year Auto Loans New < 25K miles
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedApr 19, 2026
Details
Watertown Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
149 MAIN ST, WATERTOWN, MA, 02472 4410
New/Refinanced New Autos 2024/2025 Models
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedApr 8, 2026
Details
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA, 02143
Used Car (2022 - 2024)
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedApr 11, 2026
Details
Malden Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
10 Holden St, Malden, MA, 02148
New Auto
4.95%
2 - 5 Years
▼
APR4.95%
Term2 - 5 Years
Last UpdatedApr 17, 2026
Details
As Low As
Malden Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
10 Holden St, Malden, MA, 02148
Used Auto (Under 4 Years Old)
4.95%
4 Years
▼
APR4.95%
Term4 Years
Last UpdatedApr 17, 2026
Details
As Low As
Alltrust Credit Union
Institution Rating:
D3.5 ★ Texas Ratio: 33.38%
123 Alden Rd, Fairhaven, MA, 02719
Auto Loan - Model Years 2019-2020
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 8, 2026
Details
Up to 90% loan-to-value
Alltrust Credit Union
Institution Rating:
D3.5 ★ Texas Ratio: 33.38%
123 Alden Rd, Fairhaven, MA, 02719
Auto Loan - Model Years 2021-2022
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 8, 2026
Details
Up to 95% loan-to-value
Alltrust Credit Union
Institution Rating:
D3.5 ★ Texas Ratio: 33.38%
123 Alden Rd, Fairhaven, MA, 02719
Auto Loan - Model Years 2023 or later
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 8, 2026
Details
Up to 100% loan-to-value
Liberty Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
300 Granite St Fl 3, Braintree, MA, 02184 3909
Auto Loans
4.99%
0-36
▼
APR4.99%
Term0-36
Last UpdatedApr 8, 2026
Details
As Low As
AllCom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
36 Park Ave, Worcester, MA, 01609
Vehicle Loans New or Used Model Years 2019-2025 37 to 48-Month Term
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 8, 2026
Details
As Low As
AllCom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
36 Park Ave, Worcester, MA, 01609
Vehicle Loans New or Used Model Years 2019-2025 49 to 60-Month Term
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 8, 2026
Details
As Low As
AllCom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
36 Park Ave, Worcester, MA, 01609
Vehicle Loans New or Used Model Years 2019-2025 Up to 36-Month Term
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 8, 2026
Details
As Low As
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
5 Cheshire Rd, Pittsfield, MA, 01201
Auto Loans: New Vehicle
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedApr 16, 2026
Details
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
311 Chestnut St, Chelsea, MA, 02150
Used Autos 2022 - 2024
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 17, 2026
Details
90% Financing
St Anthony Of Padua Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
806 Bedford St, Fall River, MA, 02723
New Auto Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As; Maximum term to 60 months
Norfolk Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.97%
18 Union St Ste 104, Norfolk, MA, 02056 1855
Auto Loans NEW
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedApr 18, 2026
Details
As Low As; Maximum Amount: $65,000
Plymouth County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
2203 Cranberry Hwy, West Wareham, MA, 02576 1210
Auto Loan
4.99%
75 Months
▼
APR4.99%
Term75 Months
Last UpdatedApr 18, 2026
Details
As Low As
Health Alliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
230 Highland Ave, Somerville, MA, 02143 1408
New Car Loans
4.99%
36-60
▼
APR4.99%
Term36-60
Last UpdatedApr 18, 2026
Details
As Low As
Health Alliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
230 Highland Ave, Somerville, MA, 02143 1408
Used Car Loans (2023,2024)
4.99%
36-60
▼
APR4.99%
Term36-60
Last UpdatedApr 18, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Logan International Airport, East Boston, MA, 02128
Used Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details
As Low As
Morton Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
88 washington st, taunton, MA, 02780 2465
New Cars
4.99%
up to 7 years
▼
APR4.99%
Termup to 7 years
Last UpdatedApr 18, 2026
Details
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
50 Main St, Millbury, MA, 01527
Car Loan Refinance Special
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Worcester Fire Dept Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
34 GLENNIE ST, WORCESTER, MA, 01605
NEW CAR (2024-2026)
4.99%
6 years
▼
APR4.99%
Term6 years
Last UpdatedApr 19, 2026
Details
As Low As
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
30 Pond St, Sharon, MA, 02067 2040
Auto Loans
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedApr 19, 2026
Details
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
155 State St, Newburyport, MA, 01950
New Car Loans 2025-2026 Models or newer
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 19, 2026
Details
Homefield Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.48%
86 Worcester St, North Grafton, MA, 01536 1020
Auto Loan
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
Mass Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
1250 Hancock St, Quincy, MA, 02169
4 Year Auto Loans Used > 25K miles
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 19, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
1250 Hancock St, Quincy, MA, 02169
Used > 25K miles Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
100 Boston Scientific Way, Marlborough, MA, 01752
Auto Loans
4.99%
0 - 75 Months
▼
APR4.99%
Term0 - 75 Months
Last UpdatedApr 19, 2026
Details
As Low As; APR - 2023 - 2025*
Tremont Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.31%
2 Granite Ave, Milton, MA, 02186
Auto Loans (2025-2026 Model Years)
4.99%
6 to 60
▼
APR4.99%
Term6 to 60
Last UpdatedApr 19, 2026
Details
As Low As
PIONEER VALLEY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
246 Brookdale Dr, Springfield, MA, 01104
Vehicle Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
Community Credit Union Of Lynn
Institution Rating:
A-5.0 ★ Texas Ratio: 14.06%
1 Andrew St, Lynn, MA, 01901 1101
New Vehicle 2025-2026
5.00%
24-66
▼
APR5.00%
Term24-66
Last UpdatedApr 8, 2026
Details
As Low As; Less than 5K miles
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA, 02143
New Car (2025 - 2026)
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedApr 11, 2026
Details
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
101 Page St, New Bedford, MA, 02740
New Automobile Loans
5.00%
24 Months
▼
APR5.00%
Term24 Months
Last UpdatedApr 18, 2026
Details
LTV MAX: 100%; FICO Score: Platinum 720+
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
101 Page St, New Bedford, MA, 02740
Used Automobile Loans
5.00%
24 Months
▼
APR5.00%
Term24 Months
Last UpdatedApr 18, 2026
Details
LTV MAX: 100%; FICO Score: Platinum 720+
New Bedford Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.29%
1150 Purchase St, New Bedford, MA, 02740 6635
Used Auto - 2021 - 2019 models
5.20%
36 Months
▼
APR5.20%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; 100% financing available
Liberty Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
300 Granite St Fl 3, Braintree, MA, 02184 3909
Auto Loans
5.24%
37-60
▼
APR5.24%
Term37-60
Last UpdatedApr 8, 2026
Details
As Low As
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
24 Church St, Leominster, MA, 01453
New / Used Auto Loans 2026 - 2023
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedApr 17, 2026
Details
As Low As; Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay.; 100% financing available for qualified vehicles.; Used Vehicle rates are based on J.D. Power book value; 84 Month Term for qualified vehicles and borrowers only; All rates are subject to change without notice.
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
200 Concord St, Framingham, MA, 01702 8306
Auto Loans (2025 - Newer)
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedApr 17, 2026
Details
Direct Deposit Auto Pay
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
155 State St, Newburyport, MA, 01950
New Car Loans 2025-2026 Models or newer
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedApr 19, 2026
Details
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
155 State St, Newburyport, MA, 01950
Used Car Loans 2021-2022 Models
5.24%
24 Months
▼
APR5.24%
Term24 Months
Last UpdatedApr 19, 2026
Details
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
155 State St, Newburyport, MA, 01950
Used Car Loans 2023-2024 Models
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedApr 19, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
1250 Hancock St, Quincy, MA, 02169
6 Year Auto Loans Used > 25K miles
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedApr 19, 2026
Details
Tremont Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.31%
2 Granite Ave, Milton, MA, 02186
Auto Loans (2025-2026 Model Years)
5.24%
61 to 72
▼
APR5.24%
Term61 to 72
Last UpdatedApr 19, 2026
Details
As Low As
Community Credit Union Of Lynn
Institution Rating:
A-5.0 ★ Texas Ratio: 14.06%
1 Andrew St, Lynn, MA, 01901 1101
New Vehicle 2025-2026
5.25%
67-84
▼
APR5.25%
Term67-84
Last UpdatedApr 8, 2026
Details
As Low As; Less than 5K miles
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA, 02143
Older Used Car (2019 - 2023)
5.25%
36 Months
▼
APR5.25%
Term36 Months
Last UpdatedApr 11, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
5 Cheshire Rd, Pittsfield, MA, 01201
Auto Loans: New Vehicle
5.25%
5 Years
▼
APR5.25%
Term5 Years
Last UpdatedApr 16, 2026
Details
Pentucket Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA, 01830
Auto Loan
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedApr 17, 2026
Details
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
40 Pine St, Stoneham, MA, 02180 2048
New Automobile
5.25%
1-48
▼
APR5.25%
Term1-48
Last UpdatedApr 18, 2026
Details
Up To $60,000; 100% NADA value; Years 2025-2026; Maximum mileage up to 8,000
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
101 Page St, New Bedford, MA, 02740
New Automobile Loans
5.25%
24 Months
▼
APR5.25%
Term24 Months
Last UpdatedApr 18, 2026
Details
LTV MAX: 90%; FICO Score: B 679-660
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
101 Page St, New Bedford, MA, 02740
Used Automobile Loans
5.25%
24 Months
▼
APR5.25%
Term24 Months
Last UpdatedApr 18, 2026
Details
LTV MAX: 90%; FICO Score: B 679-660
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 18.63%
70 Westview St, Lexington, MA, 02421 3142
New Auto
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedApr 19, 2026
Details
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
50 Main St, Millbury, MA, 01527
Car Loans - New And Used
5.39%
36 Months
▼
APR5.39%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As; Car Model Years 2023 - 2026
Direct Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
50 Cabot St, Needham, MA, 02494
Vehicle Loan
5.44%
up to 63
▼
APR5.44%
Termup to 63
Last UpdatedApr 18, 2026
Details
As Low As; New and used vehicles; Purchase, refinance, lease buyout; Finance up to 120% of vehicle value
Malden Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
10 Holden St, Malden, MA, 02148
Used Auto (Over 4 Years Old; No More Than 10 Years)
5.45%
4 Years
▼
APR5.45%
Term4 Years
Last UpdatedApr 17, 2026
Details
As Low As
AllCom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
36 Park Ave, Worcester, MA, 01609
Vehicle Loans New or Used Model Years 2019-2025 61 to 72-Month Term*
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 8, 2026
Details
As Low As
Watertown Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
149 MAIN ST, WATERTOWN, MA, 02472 4410
New/Refinanced New Autos 2024/2025 Models
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 8, 2026
Details
Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
950 Park St, Stoughton, MA, 02072
Auto Loans - New
5.49%
Up to 60 months
▼
APR5.49%
TermUp to 60 months
Last UpdatedApr 17, 2026
Details
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
200 Concord St, Framingham, MA, 01702 8306
Auto Loans (2025 - Newer)
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedApr 17, 2026
Details
Without Direct Deposit Auto Pay
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
200 Concord St, Framingham, MA, 01702 8306
Used Auto (Years 2021 - 2024)
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedApr 17, 2026
Details
Direct Deposit Auto Pay
Plymouth County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
2203 Cranberry Hwy, West Wareham, MA, 02576 1210
Auto Loan
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
Health Alliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
230 Highland Ave, Somerville, MA, 02143 1408
New Car Loans
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 18, 2026
Details
IC Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.06%
300 Bemis Rd, Fitchburg, MA, 01420
2019 Auto Loan
5.49%
63 Months
▼
APR5.49%
Term63 Months
Last UpdatedApr 18, 2026
Details
Rates shown include .25% discount with Auto Pay from an IC Account.
IC Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.06%
300 Bemis Rd, Fitchburg, MA, 01420
2020 Auto Loan
5.49%
63 Months
▼
APR5.49%
Term63 Months
Last UpdatedApr 18, 2026
Details
Rates shown include .25% discount with Auto Pay from an IC Account.
IC Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.06%
300 Bemis Rd, Fitchburg, MA, 01420
2021 Auto Loan
5.49%
63 Months
▼
APR5.49%
Term63 Months
Last UpdatedApr 18, 2026
Details
Rates shown include .25% discount with Auto Pay from an IC Account.
IC Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.06%
300 Bemis Rd, Fitchburg, MA, 01420
2022 Auto Loan
5.49%
63 Months
▼
APR5.49%
Term63 Months
Last UpdatedApr 18, 2026
Details
Rates shown include .25% discount with Auto Pay from an IC Account.
IC Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.06%
300 Bemis Rd, Fitchburg, MA, 01420
2023 Auto Loan
5.49%
63 Months
▼
APR5.49%
Term63 Months
Last UpdatedApr 18, 2026
Details
Rates shown include .25% discount with Auto Pay from an IC Account.
IC Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.06%
300 Bemis Rd, Fitchburg, MA, 01420
2024 Auto Loan
5.49%
63 Months
▼
APR5.49%
Term63 Months
Last UpdatedApr 18, 2026
Details
Rates shown include .25% discount with Auto Pay from an IC Account.
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
455 W Broadway, South Boston, MA, 02127 2218
Used Vehicle Loan
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; Maximum borrowed $50,000
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
155 State St, Newburyport, MA, 01950
Used Car Loans 2021-2022 Models
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedApr 19, 2026
Details
Tremont Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.31%
2 Granite Ave, Milton, MA, 02186
Auto Loans (2022-2024 Model Years)
5.49%
6 to 60
▼
APR5.49%
Term6 to 60
Last UpdatedApr 19, 2026
Details
As Low As
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 18.63%
70 Westview St, Lexington, MA, 02421 3142
Used Auto
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedApr 19, 2026
Details
PIONEER VALLEY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
246 Brookdale Dr, Springfield, MA, 01104
Vehicle Loan
5.49%
66 Months
▼
APR5.49%
Term66 Months
Last UpdatedApr 19, 2026
Details
As Low As
Community Credit Union Of Lynn
Institution Rating:
A-5.0 ★ Texas Ratio: 14.06%
1 Andrew St, Lynn, MA, 01901 1101
Used Vehicle 2025
5.50%
24-75
▼
APR5.50%
Term24-75
Last UpdatedApr 8, 2026
Details
As Low As
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA, 02143
New Car (2025 - 2026)
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedApr 11, 2026
Details
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA, 02143
Used Car (2022 - 2024)
5.50%
48 Months
▼
APR5.50%
Term48 Months
Last UpdatedApr 11, 2026
Details
Pentucket Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA, 01830
Auto Loan
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedApr 17, 2026
Details
Lowell Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
375 Merrimack St, Lowell, MA, 01852 5909
NEW VEHICLES
5.50%
7 year
▼
APR5.50%
Term7 year
Last UpdatedApr 17, 2026
Details
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
101 Page St, New Bedford, MA, 02740
New Automobile Loans
5.50%
24 Months
▼
APR5.50%
Term24 Months
Last UpdatedApr 18, 2026
Details
LTV MAX: 80%; FICO Score: C 659-640
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
101 Page St, New Bedford, MA, 02740
Used Automobile Loans
5.50%
24 Months
▼
APR5.50%
Term24 Months
Last UpdatedApr 18, 2026
Details
LTV MAX: 80%; FICO Score: C 659-640
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 18.63%
70 Westview St, Lexington, MA, 02421 3142
Used Auto
5.63%
72 Months
▼
APR5.63%
Term72 Months
Last UpdatedApr 19, 2026
Details
Liberty Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
300 Granite St Fl 3, Braintree, MA, 02184 3909
Auto Loans
5.74%
61-84
▼
APR5.74%
Term61-84
Last UpdatedApr 8, 2026
Details
As Low As
Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
950 Park St, Stoughton, MA, 02072
Auto Loans - New
5.74%
72 months
▼
APR5.74%
Term72 months
Last UpdatedApr 17, 2026
Details
Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
950 Park St, Stoughton, MA, 02072
Auto Loans - Used
5.74%
Up to 60 months
▼
APR5.74%
TermUp to 60 months
Last UpdatedApr 17, 2026
Details
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
200 Concord St, Framingham, MA, 01702 8306
Used Auto (Years 2021 - 2024)
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedApr 17, 2026
Details
Without Direct Deposit Auto Pay
Direct Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
50 Cabot St, Needham, MA, 02494
Vehicle Loan
5.74%
up to 63
▼
APR5.74%
Termup to 63
Last UpdatedApr 18, 2026
Details
As Low As
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
155 State St, Newburyport, MA, 01950
Used Car Loans 2023-2024 Models
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedApr 19, 2026
Details
Community Credit Union Of Lynn
Institution Rating:
A-5.0 ★ Texas Ratio: 14.06%
1 Andrew St, Lynn, MA, 01901 1101
Used Vehicle 2024
5.75%
24-75
▼
APR5.75%
Term24-75
Last UpdatedApr 8, 2026
Details
As Low As
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA, 02143
Older Used Car (2019 - 2023)
5.75%
48 Months
▼
APR5.75%
Term48 Months
Last UpdatedApr 11, 2026
Details
Dean Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
21 Main St, Franklin, MA, 02038
New Cars
5.75%
36 Months
▼
APR5.75%
Term36 Months
Last UpdatedApr 16, 2026
Details
As Low As
Pentucket Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA, 01830
Auto Loan
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedApr 17, 2026
Details
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
659 Eastern Ave, Fall River, MA, 02723
New Autos
5.75%
24 Months
▼
APR5.75%
Term24 Months
Last UpdatedApr 17, 2026
Details
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
101 Page St, New Bedford, MA, 02740
New Automobile Loans
5.75%
24 Months
▼
APR5.75%
Term24 Months
Last UpdatedApr 18, 2026
Details
LTV MAX: 70%; FICO Score: D 639-620
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
101 Page St, New Bedford, MA, 02740
Used Automobile Loans
5.75%
24 Months
▼
APR5.75%
Term24 Months
Last UpdatedApr 18, 2026
Details
LTV MAX: 70%; FICO Score: D 639-620
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 18.63%
70 Westview St, Lexington, MA, 02421 3142
New Auto
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedApr 19, 2026
Details
Direct Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
50 Cabot St, Needham, MA, 02494
Vehicle Loan
5.84%
up to 66
▼
APR5.84%
Termup to 66
Last UpdatedApr 18, 2026
Details
As Low As
Direct Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
50 Cabot St, Needham, MA, 02494
Vehicle Loan
5.89%
up to 66
▼
APR5.89%
Termup to 66
Last UpdatedApr 18, 2026
Details
As Low As
Direct Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
50 Cabot St, Needham, MA, 02494
Vehicle Loan
5.94%
up to 75
▼
APR5.94%
Termup to 75
Last UpdatedApr 18, 2026
Details
As Low As
Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
950 Park St, Stoughton, MA, 02072
Auto Loans - Used
5.99%
72 months
▼
APR5.99%
Term72 months
Last UpdatedApr 17, 2026
Details
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
311 Chestnut St, Chelsea, MA, 02150
Used Autos 2019 - 2021
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedApr 17, 2026
Details
90% Financing
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
200 Concord St, Framingham, MA, 01702 8306
Used Auto (Years 2021 - 2024)
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedApr 17, 2026
Details
Direct Deposit Auto Pay
St Anthony Of Padua Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
806 Bedford St, Fall River, MA, 02723
Used Auto Loans - with 15% down
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As; Maximum term to 48 months; Vehicles 1 - 5 years old
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
40 Pine St, Stoneham, MA, 02180 2048
New Automobile
5.99%
49-72
▼
APR5.99%
Term49-72
Last UpdatedApr 18, 2026
Details
Up To $60,000; 100% NADA value; Years 2025-2026; Maximum mileage up to 8,000
Health Alliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
230 Highland Ave, Somerville, MA, 02143 1408
Used Car Loans (2020,2021,2022)
5.99%
36-60
▼
APR5.99%
Term36-60
Last UpdatedApr 18, 2026
Details
Health Alliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
230 Highland Ave, Somerville, MA, 02143 1408
Used Car Loans (2023,2024)
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedApr 18, 2026
Details
Morton Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
88 washington st, taunton, MA, 02780 2465
Used Cars
5.99%
up to 6 years
▼
APR5.99%
Termup to 6 years
Last UpdatedApr 18, 2026
Details
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
50 Main St, Millbury, MA, 01527
Car Loans - New And Used
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As; Car Model Years 2023 - 2026
Massachusetts Family Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
51 Willow St, Lynn, MA, 01901
New Vehicle
5.99%
60 month
▼
APR5.99%
Term60 month
Last UpdatedApr 18, 2026
Details
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
455 W Broadway, South Boston, MA, 02127 2218
Used Vehicle Loan
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; Maximum borrowed $50,000
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
155 State St, Newburyport, MA, 01950
Used Car Loans 2021-2022 Models
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedApr 19, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
100 Boston Scientific Way, Marlborough, MA, 01752
Auto Loans
5.99%
76 - 84 Months
▼
APR5.99%
Term76 - 84 Months
Last UpdatedApr 19, 2026
Details
As Low As; APR - 2023 - 2025*
PIONEER VALLEY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
246 Brookdale Dr, Springfield, MA, 01104
Vehicle Loan
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As
Community Credit Union Of Lynn
Institution Rating:
A-5.0 ★ Texas Ratio: 14.06%
1 Andrew St, Lynn, MA, 01901 1101
Used Vehicle 2023
6.00%
67-75
▼
APR6.00%
Term67-75
Last UpdatedApr 8, 2026
Details
As Low As
Watertown Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
149 MAIN ST, WATERTOWN, MA, 02472 4410
Used Autos 2022/2023/2024 Models
6.00%
24 Months
▼
APR6.00%
Term24 Months
Last UpdatedApr 8, 2026
Details
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA, 02143
New Car (2025 - 2026)
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedApr 11, 2026
Details
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA, 02143
Used Car (2022 - 2024)
6.00%
60 Months
▼
APR6.00%
Term60 Months
Last UpdatedApr 11, 2026
Details
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
659 Eastern Ave, Fall River, MA, 02723
New Autos
6.00%
36 Months
▼
APR6.00%
Term36 Months
Last UpdatedApr 17, 2026
Details
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
659 Eastern Ave, Fall River, MA, 02723
Used Autos
6.00%
24 Months
▼
APR6.00%
Term24 Months
Last UpdatedApr 17, 2026
Details
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
101 Page St, New Bedford, MA, 02740
New Automobile Loans
6.00%
24 Months
▼
APR6.00%
Term24 Months
Last UpdatedApr 18, 2026
Details
LTV MAX: 60%; FICO Score: E < 619
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
101 Page St, New Bedford, MA, 02740
Used Automobile Loans
6.00%
24 Months
▼
APR6.00%
Term24 Months
Last UpdatedApr 18, 2026
Details
LTV MAX: 60%; FICO Score: E < 619
St Annes Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
286 Oliver St, Fall River, MA, 02724 2935
New Auto 2026-2025
6.09%
36-60 Months
▼
APR6.09%
Term36-60 Months
Last UpdatedApr 8, 2026
Details
As Low As
Methuen Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
243 Broadway, Methuen, MA, 01844
New Auto
6.12%
24 Months
▼
APR6.12%
Term24 Months
Last UpdatedApr 16, 2026
Details
Alltrust Credit Union
Institution Rating:
D3.5 ★ Texas Ratio: 33.38%
123 Alden Rd, Fairhaven, MA, 02719
Auto Loan - Model Years 2023 or later
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedApr 8, 2026
Details
Up to 100% loan-to-value
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
200 Concord St, Framingham, MA, 01702 8306
Used Auto (Years 2021 - 2024)
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedApr 17, 2026
Details
Without Direct Deposit Auto Pay
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
100 SWIFT ST, EAST BOSTON, MA, 02128 1864
New Auto
6.24%
48 Months
▼
APR6.24%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
Tremont Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.31%
2 Granite Ave, Milton, MA, 02186
Auto Loans (2025-2026 Model Years)
6.24%
73 to 84
▼
APR6.24%
Term73 to 84
Last UpdatedApr 19, 2026
Details
As Low As
Community Credit Union Of Lynn
Institution Rating:
A-5.0 ★ Texas Ratio: 14.06%
1 Andrew St, Lynn, MA, 01901 1101
Used Vehicle 2022
6.25%
24-75
▼
APR6.25%
Term24-75
Last UpdatedApr 8, 2026
Details
As Low As
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA, 02143
Older Used Car (2019 - 2023)
6.25%
60 Months
▼
APR6.25%
Term60 Months
Last UpdatedApr 11, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
5 Cheshire Rd, Pittsfield, MA, 01201
Auto Loans: Used Vehicle
6.25%
5 Years
▼
APR6.25%
Term5 Years
Last UpdatedApr 16, 2026
Details
Dean Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
21 Main St, Franklin, MA, 02038
New Cars
6.25%
48 Months
▼
APR6.25%
Term48 Months
Last UpdatedApr 16, 2026
Details
As Low As
Methuen Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
243 Broadway, Methuen, MA, 01844
New Auto
6.25%
36 Months
▼
APR6.25%
Term36 Months
Last UpdatedApr 16, 2026
Details
Country Bank for Savings
Institution Rating:
A5.0 ★ Texas Ratio: 7.70%
155 West St, Ware, MA, 01082
Auto Loan
6.25%
60 Months
▼
APR6.25%
Term60 Months
Last UpdatedApr 17, 2026
Details
Year of Vehicle: 2024-2026
Lowell Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
375 Merrimack St, Lowell, MA, 01852 5909
NEW VEHICLES
6.25%
7 year
▼
APR6.25%
Term7 year
Last UpdatedApr 17, 2026
Details
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
659 Eastern Ave, Fall River, MA, 02723
Used Autos
6.25%
36 Months
▼
APR6.25%
Term36 Months
Last UpdatedApr 17, 2026
Details
St Annes Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
286 Oliver St, Fall River, MA, 02724 2935
New Auto 2026-2025
6.29%
61-75 Months
▼
APR6.29%
Term61-75 Months
Last UpdatedApr 8, 2026
Details
As Low As
Direct Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
50 Cabot St, Needham, MA, 02494
Vehicle Loan
6.29%
up to 60
▼
APR6.29%
Termup to 60
Last UpdatedApr 18, 2026
Details
As Low As
Methuen Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
243 Broadway, Methuen, MA, 01844
New Auto
6.38%
48 Months
▼
APR6.38%
Term48 Months
Last UpdatedApr 16, 2026
Details
Direct Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
50 Cabot St, Needham, MA, 02494
Vehicle Loan
6.39%
up to 60
▼
APR6.39%
Termup to 60
Last UpdatedApr 18, 2026
Details
As Low As
Direct Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
50 Cabot St, Needham, MA, 02494
Vehicle Loan
6.44%
up to 66
▼
APR6.44%
Termup to 66
Last UpdatedApr 18, 2026
Details
As Low As
St Annes Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
286 Oliver St, Fall River, MA, 02724 2935
Used Auto 2024-2016
6.49%
36-60 Months
▼
APR6.49%
Term36-60 Months
Last UpdatedApr 8, 2026
Details
As Low As
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
40 Pine St, Stoneham, MA, 02180 2048
Used Automobile
6.49%
12-72
▼
APR6.49%
Term12-72
Last UpdatedApr 18, 2026
Details
Up To $50,000; 90% NADA value; Years 2020-2026
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
100 SWIFT ST, EAST BOSTON, MA, 02128 1864
New Auto
6.49%
60 Months
▼
APR6.49%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
100 SWIFT ST, EAST BOSTON, MA, 02128 1864
Used Auto
6.49%
48 Months
▼
APR6.49%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
PIONEER VALLEY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
246 Brookdale Dr, Springfield, MA, 01104
Vehicle Loan
6.49%
78 Months
▼
APR6.49%
Term78 Months
Last UpdatedApr 19, 2026
Details
As Low As
Community Credit Union Of Lynn
Institution Rating:
A-5.0 ★ Texas Ratio: 14.06%
1 Andrew St, Lynn, MA, 01901 1101
Used Vehicle 2021
6.50%
24-75
▼
APR6.50%
Term24-75
Last UpdatedApr 8, 2026
Details
As Low As
Watertown Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
149 MAIN ST, WATERTOWN, MA, 02472 4410
Used Autos 2022/2023/2024 Models
6.50%
36 Months
▼
APR6.50%
Term36 Months
Last UpdatedApr 8, 2026
Details
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA, 02143
Older Used Car (2018 and older) - 80% of KBB value
6.50%
48 Months
▼
APR6.50%
Term48 Months
Last UpdatedApr 11, 2026
Details
Dean Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
21 Main St, Franklin, MA, 02038
Used Cars
6.50%
24 Months
▼
APR6.50%
Term24 Months
Last UpdatedApr 16, 2026
Details
As Low As
Methuen Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
243 Broadway, Methuen, MA, 01844
New Auto
6.50%
60 Months
▼
APR6.50%
Term60 Months
Last UpdatedApr 16, 2026
Details
Webster Five Cents Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
136 Thompson Rd, Webster, MA, 01570
New Cars (2024 - 2027)
6.50%
36 Months
▼
APR6.50%
Term36 Months
Last UpdatedApr 17, 2026
Details
As Low As
Country Bank for Savings
Institution Rating:
A5.0 ★ Texas Ratio: 7.70%
155 West St, Ware, MA, 01082
Auto Loan
6.50%
72 Months
▼
APR6.50%
Term72 Months
Last UpdatedApr 17, 2026
Details
Year of Vehicle: 2024-2026
Lowell Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
375 Merrimack St, Lowell, MA, 01852 5909
NEW VEHICLES
6.50%
7 year
▼
APR6.50%
Term7 year
Last UpdatedApr 17, 2026
Details
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
659 Eastern Ave, Fall River, MA, 02723
Used Autos
6.50%
72 Months
▼
APR6.50%
Term72 Months
Last UpdatedApr 17, 2026
Details
Health Alliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
230 Highland Ave, Somerville, MA, 02143 1408
Used Car Loans (2018, 2019)
6.50%
36-60
▼
APR6.50%
Term36-60
Last UpdatedApr 18, 2026
Details
Direct Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
50 Cabot St, Needham, MA, 02494
Vehicle Loan
6.54%
up to 66
▼
APR6.54%
Termup to 66
Last UpdatedApr 18, 2026
Details
As Low As
Methuen Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
243 Broadway, Methuen, MA, 01844
Used Auto
6.62%
24 Months
▼
APR6.62%
Term24 Months
Last UpdatedApr 16, 2026
Details
Savers Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.61%
270 Main St, Southbridge, MA, 01550
Auto Loan
6.72%
60 Months
▼
APR6.72%
Term60 Months
Last UpdatedApr 16, 2026
Details
Amount Financed: 100%; 2024 - New
Direct Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
50 Cabot St, Needham, MA, 02494
Vehicle Loan
6.74%
up to 84
▼
APR6.74%
Termup to 84
Last UpdatedApr 18, 2026
Details
As Low As
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
50 Main St, Millbury, MA, 01527
Car Loans - New And Used
6.74%
84 Months
▼
APR6.74%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As; Car Model Years 2023 - 2026
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
100 SWIFT ST, EAST BOSTON, MA, 02128 1864
New Auto
6.74%
72 Months
▼
APR6.74%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
100 SWIFT ST, EAST BOSTON, MA, 02128 1864
Used Auto
6.74%
60 Months
▼
APR6.74%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
Dean Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
21 Main St, Franklin, MA, 02038
New Cars
6.75%
60 Months
▼
APR6.75%
Term60 Months
Last UpdatedApr 16, 2026
Details
As Low As
Powered by
MonitorBankRates
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: 2.63%
Logan International Airport, East Boston, MA, 02128
New Auto
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
311 Chestnut St, Chelsea, MA, 02150
New Autos
3.99%
72 Months
▼
APR3.99%
Term72 Months
Last UpdatedApr 17, 2026
Details
90% Financing
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
100 Quincy Ave, Quincy, MA, 02169 6714
New Auto Loans
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; APR with Auto Pay
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
24 Church St, Leominster, MA, 01453
New / Used Auto Loans 2022 - 2021
4.24%
60 Months
▼
APR4.24%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As; Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay.; 100% financing available for qualified vehicles.; Used Vehicle rates are based on J.D. Power book value; 84 Month Term for qualified vehicles and borrowers only; All rates are subject to change without notice.
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
24 Church St, Leominster, MA, 01453
New / Used Auto Loans 2026 - 2023
4.24%
60 Months
▼
APR4.24%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As; Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay.; 100% financing available for qualified vehicles.; Used Vehicle rates are based on J.D. Power book value; 84 Month Term for qualified vehicles and borrowers only; All rates are subject to change without notice.
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
24 Church St, Leominster, MA, 01453
New Vehicle
4.24%
60 Months
▼
APR4.24%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As; Certain restrictions apply.
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
100 Quincy Ave, Quincy, MA, 02169 6714
New Auto Loans
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; APR with Auto Pay
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
455 W Broadway, South Boston, MA, 02127 2218
New and Used Vehicle Loan
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; Maximum borrowed $150,000; Model Years 2025-2026
Watertown Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
149 MAIN ST, WATERTOWN, MA, 02472 4410
New/Refinanced New Autos 2024/2025 Models
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 8, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Logan International Airport, East Boston, MA, 02128
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details
As Low As
Worcester Fire Dept Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
34 GLENNIE ST, WORCESTER, MA, 01605
NEW CAR (2024-2026)
4.49%
4 years
▼
APR4.49%
Term4 years
Last UpdatedApr 19, 2026
Details
As Low As
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
100 Quincy Ave, Quincy, MA, 02169 6714
New Auto Loans
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As; APR with Auto Pay
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
455 W Broadway, South Boston, MA, 02127 2218
New and Used Vehicle Loan
4.49%
71 Months
▼
APR4.49%
Term71 Months
Last UpdatedApr 19, 2026
Details
As Low As; Maximum borrowed $150,000; Model Years 2025-2026
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
155 State St, Newburyport, MA, 01950
New Car Loans 2025-2026 Models or newer
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedApr 19, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
1250 Hancock St, Quincy, MA, 02169
4 Year Auto Loans New < 25K miles
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
1250 Hancock St, Quincy, MA, 02169
New < 25K miles Auto Loan
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedApr 19, 2026
Details
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA, 02143
New Car (2025 - 2026)
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedApr 11, 2026
Details
Watertown Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
149 MAIN ST, WATERTOWN, MA, 02472 4410
New/Refinanced New Autos 2024/2025 Models
4.55%
48 Months
▼
APR4.55%
Term48 Months
Last UpdatedApr 8, 2026
Details
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
24 Church St, Leominster, MA, 01453
New / Used Auto Loans 2020 & Older
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As; Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay.; 100% financing available for qualified vehicles.; Used Vehicle rates are based on J.D. Power book value; 84 Month Term for qualified vehicles and borrowers only; All rates are subject to change without notice.
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
24 Church St, Leominster, MA, 01453
New / Used Auto Loans 2026 - 2023
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As; Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay.; 100% financing available for qualified vehicles.; Used Vehicle rates are based on J.D. Power book value; 84 Month Term for qualified vehicles and borrowers only; All rates are subject to change without notice.
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
24 Church St, Leominster, MA, 01453
New Vehicle
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As; Certain restrictions apply.
Worcester Fire Dept Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
34 GLENNIE ST, WORCESTER, MA, 01605
NEW CAR (2024-2026)
4.74%
5 years
▼
APR4.74%
Term5 years
Last UpdatedApr 19, 2026
Details
As Low As
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
100 Quincy Ave, Quincy, MA, 02169 6714
New Auto Loans
4.74%
84 Months
▼
APR4.74%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As; APR with Auto Pay
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
455 W Broadway, South Boston, MA, 02127 2218
New and Used Vehicle Loan
4.74%
84 Months
▼
APR4.74%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As; Maximum borrowed $150,000; Model Years 2025-2026
Mass Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
1250 Hancock St, Quincy, MA, 02169
6 Year Auto Loans New < 25K miles
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedApr 19, 2026
Details
Watertown Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
149 MAIN ST, WATERTOWN, MA, 02472 4410
New/Refinanced New Autos 2024/2025 Models
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedApr 8, 2026
Details
Malden Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
10 Holden St, Malden, MA, 02148
New Auto
4.95%
2 - 5 Years
▼
APR4.95%
Term2 - 5 Years
Last UpdatedApr 17, 2026
Details
As Low As
AllCom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
36 Park Ave, Worcester, MA, 01609
Vehicle Loans New or Used Model Years 2019-2025 37 to 48-Month Term
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 8, 2026
Details
As Low As
AllCom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
36 Park Ave, Worcester, MA, 01609
Vehicle Loans New or Used Model Years 2019-2025 49 to 60-Month Term
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 8, 2026
Details
As Low As
AllCom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
36 Park Ave, Worcester, MA, 01609
Vehicle Loans New or Used Model Years 2019-2025 Up to 36-Month Term
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 8, 2026
Details
As Low As
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
5 Cheshire Rd, Pittsfield, MA, 01201
Auto Loans: New Vehicle
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedApr 16, 2026
Details
St Anthony Of Padua Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
806 Bedford St, Fall River, MA, 02723
New Auto Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As; Maximum term to 60 months
Norfolk Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.97%
18 Union St Ste 104, Norfolk, MA, 02056 1855
Auto Loans NEW
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedApr 18, 2026
Details
As Low As; Maximum Amount: $65,000
Health Alliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
230 Highland Ave, Somerville, MA, 02143 1408
New Car Loans
4.99%
36-60
▼
APR4.99%
Term36-60
Last UpdatedApr 18, 2026
Details
As Low As
Morton Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
88 washington st, taunton, MA, 02780 2465
New Cars
4.99%
up to 7 years
▼
APR4.99%
Termup to 7 years
Last UpdatedApr 18, 2026
Details
Worcester Fire Dept Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
34 GLENNIE ST, WORCESTER, MA, 01605
NEW CAR (2024-2026)
4.99%
6 years
▼
APR4.99%
Term6 years
Last UpdatedApr 19, 2026
Details
As Low As
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
155 State St, Newburyport, MA, 01950
New Car Loans 2025-2026 Models or newer
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 19, 2026
Details
Community Credit Union Of Lynn
Institution Rating:
A-5.0 ★ Texas Ratio: 14.06%
1 Andrew St, Lynn, MA, 01901 1101
New Vehicle 2025-2026
5.00%
24-66
▼
APR5.00%
Term24-66
Last UpdatedApr 8, 2026
Details
As Low As; Less than 5K miles
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA, 02143
New Car (2025 - 2026)
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedApr 11, 2026
Details
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
101 Page St, New Bedford, MA, 02740
New Automobile Loans
5.00%
24 Months
▼
APR5.00%
Term24 Months
Last UpdatedApr 18, 2026
Details
LTV MAX: 100%; FICO Score: Platinum 720+
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
24 Church St, Leominster, MA, 01453
New / Used Auto Loans 2026 - 2023
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedApr 17, 2026
Details
As Low As; Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay.; 100% financing available for qualified vehicles.; Used Vehicle rates are based on J.D. Power book value; 84 Month Term for qualified vehicles and borrowers only; All rates are subject to change without notice.
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
200 Concord St, Framingham, MA, 01702 8306
Auto Loans (2025 - Newer)
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedApr 17, 2026
Details
Direct Deposit Auto Pay
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
155 State St, Newburyport, MA, 01950
New Car Loans 2025-2026 Models or newer
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedApr 19, 2026
Details
Community Credit Union Of Lynn
Institution Rating:
A-5.0 ★ Texas Ratio: 14.06%
1 Andrew St, Lynn, MA, 01901 1101
New Vehicle 2025-2026
5.25%
67-84
▼
APR5.25%
Term67-84
Last UpdatedApr 8, 2026
Details
As Low As; Less than 5K miles
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
5 Cheshire Rd, Pittsfield, MA, 01201
Auto Loans: New Vehicle
5.25%
5 Years
▼
APR5.25%
Term5 Years
Last UpdatedApr 16, 2026
Details
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
40 Pine St, Stoneham, MA, 02180 2048
New Automobile
5.25%
1-48
▼
APR5.25%
Term1-48
Last UpdatedApr 18, 2026
Details
Up To $60,000; 100% NADA value; Years 2025-2026; Maximum mileage up to 8,000
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
101 Page St, New Bedford, MA, 02740
New Automobile Loans
5.25%
24 Months
▼
APR5.25%
Term24 Months
Last UpdatedApr 18, 2026
Details
LTV MAX: 90%; FICO Score: B 679-660
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 18.63%
70 Westview St, Lexington, MA, 02421 3142
New Auto
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedApr 19, 2026
Details
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
50 Main St, Millbury, MA, 01527
Car Loans - New And Used
5.39%
36 Months
▼
APR5.39%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As; Car Model Years 2023 - 2026
AllCom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
36 Park Ave, Worcester, MA, 01609
Vehicle Loans New or Used Model Years 2019-2025 61 to 72-Month Term*
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 8, 2026
Details
As Low As
Watertown Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
149 MAIN ST, WATERTOWN, MA, 02472 4410
New/Refinanced New Autos 2024/2025 Models
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 8, 2026
Details
Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
950 Park St, Stoughton, MA, 02072
Auto Loans - New
5.49%
Up to 60 months
▼
APR5.49%
TermUp to 60 months
Last UpdatedApr 17, 2026
Details
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
200 Concord St, Framingham, MA, 01702 8306
Auto Loans (2025 - Newer)
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedApr 17, 2026
Details
Without Direct Deposit Auto Pay
Health Alliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
230 Highland Ave, Somerville, MA, 02143 1408
New Car Loans
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 18, 2026
Details
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA, 02143
New Car (2025 - 2026)
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedApr 11, 2026
Details
Lowell Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
375 Merrimack St, Lowell, MA, 01852 5909
NEW VEHICLES
5.50%
7 year
▼
APR5.50%
Term7 year
Last UpdatedApr 17, 2026
Details
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
101 Page St, New Bedford, MA, 02740
New Automobile Loans
5.50%
24 Months
▼
APR5.50%
Term24 Months
Last UpdatedApr 18, 2026
Details
LTV MAX: 80%; FICO Score: C 659-640
Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
950 Park St, Stoughton, MA, 02072
Auto Loans - New
5.74%
72 months
▼
APR5.74%
Term72 months
Last UpdatedApr 17, 2026
Details
Dean Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
21 Main St, Franklin, MA, 02038
New Cars
5.75%
36 Months
▼
APR5.75%
Term36 Months
Last UpdatedApr 16, 2026
Details
As Low As
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
659 Eastern Ave, Fall River, MA, 02723
New Autos
5.75%
24 Months
▼
APR5.75%
Term24 Months
Last UpdatedApr 17, 2026
Details
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
101 Page St, New Bedford, MA, 02740
New Automobile Loans
5.75%
24 Months
▼
APR5.75%
Term24 Months
Last UpdatedApr 18, 2026
Details
LTV MAX: 70%; FICO Score: D 639-620
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 18.63%
70 Westview St, Lexington, MA, 02421 3142
New Auto
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedApr 19, 2026
Details
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
40 Pine St, Stoneham, MA, 02180 2048
New Automobile
5.99%
49-72
▼
APR5.99%
Term49-72
Last UpdatedApr 18, 2026
Details
Up To $60,000; 100% NADA value; Years 2025-2026; Maximum mileage up to 8,000
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
50 Main St, Millbury, MA, 01527
Car Loans - New And Used
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As; Car Model Years 2023 - 2026
Massachusetts Family Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
51 Willow St, Lynn, MA, 01901
New Vehicle
5.99%
60 month
▼
APR5.99%
Term60 month
Last UpdatedApr 18, 2026
Details
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA, 02143
New Car (2025 - 2026)
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedApr 11, 2026
Details
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
659 Eastern Ave, Fall River, MA, 02723
New Autos
6.00%
36 Months
▼
APR6.00%
Term36 Months
Last UpdatedApr 17, 2026
Details
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
101 Page St, New Bedford, MA, 02740
New Automobile Loans
6.00%
24 Months
▼
APR6.00%
Term24 Months
Last UpdatedApr 18, 2026
Details
LTV MAX: 60%; FICO Score: E < 619
St Annes Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
286 Oliver St, Fall River, MA, 02724 2935
New Auto 2026-2025
6.09%
36-60 Months
▼
APR6.09%
Term36-60 Months
Last UpdatedApr 8, 2026
Details
As Low As
Methuen Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
243 Broadway, Methuen, MA, 01844
New Auto
6.12%
24 Months
▼
APR6.12%
Term24 Months
Last UpdatedApr 16, 2026
Details
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
100 SWIFT ST, EAST BOSTON, MA, 02128 1864
New Auto
6.24%
48 Months
▼
APR6.24%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
Dean Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
21 Main St, Franklin, MA, 02038
New Cars
6.25%
48 Months
▼
APR6.25%
Term48 Months
Last UpdatedApr 16, 2026
Details
As Low As
Methuen Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
243 Broadway, Methuen, MA, 01844
New Auto
6.25%
36 Months
▼
APR6.25%
Term36 Months
Last UpdatedApr 16, 2026
Details
Lowell Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
375 Merrimack St, Lowell, MA, 01852 5909
NEW VEHICLES
6.25%
7 year
▼
APR6.25%
Term7 year
Last UpdatedApr 17, 2026
Details
St Annes Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
286 Oliver St, Fall River, MA, 02724 2935
New Auto 2026-2025
6.29%
61-75 Months
▼
APR6.29%
Term61-75 Months
Last UpdatedApr 8, 2026
Details
As Low As
Methuen Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
243 Broadway, Methuen, MA, 01844
New Auto
6.38%
48 Months
▼
APR6.38%
Term48 Months
Last UpdatedApr 16, 2026
Details
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
100 SWIFT ST, EAST BOSTON, MA, 02128 1864
New Auto
6.49%
60 Months
▼
APR6.49%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
Methuen Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
243 Broadway, Methuen, MA, 01844
New Auto
6.50%
60 Months
▼
APR6.50%
Term60 Months
Last UpdatedApr 16, 2026
Details
Webster Five Cents Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
136 Thompson Rd, Webster, MA, 01570
New Cars (2024 - 2027)
6.50%
36 Months
▼
APR6.50%
Term36 Months
Last UpdatedApr 17, 2026
Details
As Low As
Lowell Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
375 Merrimack St, Lowell, MA, 01852 5909
NEW VEHICLES
6.50%
7 year
▼
APR6.50%
Term7 year
Last UpdatedApr 17, 2026
Details
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
50 Main St, Millbury, MA, 01527
Car Loans - New And Used
6.74%
84 Months
▼
APR6.74%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As; Car Model Years 2023 - 2026
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
100 SWIFT ST, EAST BOSTON, MA, 02128 1864
New Auto
6.74%
72 Months
▼
APR6.74%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As
Dean Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
21 Main St, Franklin, MA, 02038
New Cars
6.75%
60 Months
▼
APR6.75%
Term60 Months
Last UpdatedApr 16, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
311 Chestnut St, Chelsea, MA, 02150
Used Autos 2025 - 2026
3.99%
72 Months
▼
APR3.99%
Term72 Months
Last UpdatedApr 17, 2026
Details
90% Financing
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
100 Quincy Ave, Quincy, MA, 02169 6714
Pre-Owned Auto Loans
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; APR with Auto Pay
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
24 Church St, Leominster, MA, 01453
New / Used Auto Loans 2022 - 2021
4.24%
60 Months
▼
APR4.24%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As; Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay.; 100% financing available for qualified vehicles.; Used Vehicle rates are based on J.D. Power book value; 84 Month Term for qualified vehicles and borrowers only; All rates are subject to change without notice.
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
24 Church St, Leominster, MA, 01453
New / Used Auto Loans 2026 - 2023
4.24%
60 Months
▼
APR4.24%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As; Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay.; 100% financing available for qualified vehicles.; Used Vehicle rates are based on J.D. Power book value; 84 Month Term for qualified vehicles and borrowers only; All rates are subject to change without notice.
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Logan International Airport, East Boston, MA, 02128
Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
100 Quincy Ave, Quincy, MA, 02169 6714
Pre-Owned Auto Loans
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; APR with Auto Pay
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
455 W Broadway, South Boston, MA, 02127 2218
New and Used Vehicle Loan
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; Maximum borrowed $150,000; Model Years 2025-2026
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
455 W Broadway, South Boston, MA, 02127 2218
Used Vehicle Loan (Model Years 2022-2024)
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; Maximum borrowed $150,000
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
100 Quincy Ave, Quincy, MA, 02169 6714
Pre-Owned Auto Loans
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As; APR with Auto Pay
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
455 W Broadway, South Boston, MA, 02127 2218
New and Used Vehicle Loan
4.49%
71 Months
▼
APR4.49%
Term71 Months
Last UpdatedApr 19, 2026
Details
As Low As; Maximum borrowed $150,000; Model Years 2025-2026
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
455 W Broadway, South Boston, MA, 02127 2218
Used Vehicle Loan (Model Years 2022-2024)
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; Maximum borrowed $150,000
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
24 Church St, Leominster, MA, 01453
New / Used Auto Loans 2020 & Older
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As; Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay.; 100% financing available for qualified vehicles.; Used Vehicle rates are based on J.D. Power book value; 84 Month Term for qualified vehicles and borrowers only; All rates are subject to change without notice.
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
24 Church St, Leominster, MA, 01453
New / Used Auto Loans 2026 - 2023
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As; Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay.; 100% financing available for qualified vehicles.; Used Vehicle rates are based on J.D. Power book value; 84 Month Term for qualified vehicles and borrowers only; All rates are subject to change without notice.
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
455 W Broadway, South Boston, MA, 02127 2218
New and Used Vehicle Loan
4.74%
84 Months
▼
APR4.74%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As; Maximum borrowed $150,000; Model Years 2025-2026
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
455 W Broadway, South Boston, MA, 02127 2218
Used Vehicle Loan (Model Years 2022-2024)
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As; Maximum borrowed $150,000
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
155 State St, Newburyport, MA, 01950
Used Car Loans 2023-2024 Models
4.74%
24 Months
▼
APR4.74%
Term24 Months
Last UpdatedApr 19, 2026
Details
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA, 02143
Used Car (2022 - 2024)
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedApr 11, 2026
Details
Malden Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
10 Holden St, Malden, MA, 02148
Used Auto (Under 4 Years Old)
4.95%
4 Years
▼
APR4.95%
Term4 Years
Last UpdatedApr 17, 2026
Details
As Low As
AllCom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
36 Park Ave, Worcester, MA, 01609
Vehicle Loans New or Used Model Years 2019-2025 37 to 48-Month Term
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 8, 2026
Details
As Low As
AllCom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
36 Park Ave, Worcester, MA, 01609
Vehicle Loans New or Used Model Years 2019-2025 49 to 60-Month Term
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 8, 2026
Details
As Low As
AllCom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
36 Park Ave, Worcester, MA, 01609
Vehicle Loans New or Used Model Years 2019-2025 Up to 36-Month Term
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 8, 2026
Details
As Low As
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
311 Chestnut St, Chelsea, MA, 02150
Used Autos 2022 - 2024
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 17, 2026
Details
90% Financing
Health Alliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
230 Highland Ave, Somerville, MA, 02143 1408
Used Car Loans (2023,2024)
4.99%
36-60
▼
APR4.99%
Term36-60
Last UpdatedApr 18, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Logan International Airport, East Boston, MA, 02128
Used Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details
As Low As
Mass Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
1250 Hancock St, Quincy, MA, 02169
4 Year Auto Loans Used > 25K miles
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 19, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
1250 Hancock St, Quincy, MA, 02169
Used > 25K miles Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
101 Page St, New Bedford, MA, 02740
Used Automobile Loans
5.00%
24 Months
▼
APR5.00%
Term24 Months
Last UpdatedApr 18, 2026
Details
LTV MAX: 100%; FICO Score: Platinum 720+
New Bedford Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.29%
1150 Purchase St, New Bedford, MA, 02740 6635
Used Auto - 2021 - 2019 models
5.20%
36 Months
▼
APR5.20%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; 100% financing available
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
24 Church St, Leominster, MA, 01453
New / Used Auto Loans 2026 - 2023
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedApr 17, 2026
Details
As Low As; Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay.; 100% financing available for qualified vehicles.; Used Vehicle rates are based on J.D. Power book value; 84 Month Term for qualified vehicles and borrowers only; All rates are subject to change without notice.
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
155 State St, Newburyport, MA, 01950
Used Car Loans 2021-2022 Models
5.24%
24 Months
▼
APR5.24%
Term24 Months
Last UpdatedApr 19, 2026
Details
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
155 State St, Newburyport, MA, 01950
Used Car Loans 2023-2024 Models
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedApr 19, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
1250 Hancock St, Quincy, MA, 02169
6 Year Auto Loans Used > 25K miles
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedApr 19, 2026
Details
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA, 02143
Older Used Car (2019 - 2023)
5.25%
36 Months
▼
APR5.25%
Term36 Months
Last UpdatedApr 11, 2026
Details
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
101 Page St, New Bedford, MA, 02740
Used Automobile Loans
5.25%
24 Months
▼
APR5.25%
Term24 Months
Last UpdatedApr 18, 2026
Details
LTV MAX: 90%; FICO Score: B 679-660
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
50 Main St, Millbury, MA, 01527
Car Loans - New And Used
5.39%
36 Months
▼
APR5.39%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As; Car Model Years 2023 - 2026
Malden Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
10 Holden St, Malden, MA, 02148
Used Auto (Over 4 Years Old; No More Than 10 Years)
5.45%
4 Years
▼
APR5.45%
Term4 Years
Last UpdatedApr 17, 2026
Details
As Low As
AllCom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
36 Park Ave, Worcester, MA, 01609
Vehicle Loans New or Used Model Years 2019-2025 61 to 72-Month Term*
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 8, 2026
Details
As Low As
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
200 Concord St, Framingham, MA, 01702 8306
Used Auto (Years 2021 - 2024)
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedApr 17, 2026
Details
Direct Deposit Auto Pay
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
455 W Broadway, South Boston, MA, 02127 2218
Used Vehicle Loan
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; Maximum borrowed $50,000
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
155 State St, Newburyport, MA, 01950
Used Car Loans 2021-2022 Models
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedApr 19, 2026
Details
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 18.63%
70 Westview St, Lexington, MA, 02421 3142
Used Auto
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedApr 19, 2026
Details
Community Credit Union Of Lynn
Institution Rating:
A-5.0 ★ Texas Ratio: 14.06%
1 Andrew St, Lynn, MA, 01901 1101
Used Vehicle 2025
5.50%
24-75
▼
APR5.50%
Term24-75
Last UpdatedApr 8, 2026
Details
As Low As
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA, 02143
Used Car (2022 - 2024)
5.50%
48 Months
▼
APR5.50%
Term48 Months
Last UpdatedApr 11, 2026
Details
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
101 Page St, New Bedford, MA, 02740
Used Automobile Loans
5.50%
24 Months
▼
APR5.50%
Term24 Months
Last UpdatedApr 18, 2026
Details
LTV MAX: 80%; FICO Score: C 659-640
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 18.63%
70 Westview St, Lexington, MA, 02421 3142
Used Auto
5.63%
72 Months
▼
APR5.63%
Term72 Months
Last UpdatedApr 19, 2026
Details
Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
950 Park St, Stoughton, MA, 02072
Auto Loans - Used
5.74%
Up to 60 months
▼
APR5.74%
TermUp to 60 months
Last UpdatedApr 17, 2026
Details
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
200 Concord St, Framingham, MA, 01702 8306
Used Auto (Years 2021 - 2024)
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedApr 17, 2026
Details
Without Direct Deposit Auto Pay
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
155 State St, Newburyport, MA, 01950
Used Car Loans 2023-2024 Models
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedApr 19, 2026
Details
Community Credit Union Of Lynn
Institution Rating:
A-5.0 ★ Texas Ratio: 14.06%
1 Andrew St, Lynn, MA, 01901 1101
Used Vehicle 2024
5.75%
24-75
▼
APR5.75%
Term24-75
Last UpdatedApr 8, 2026
Details
As Low As
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA, 02143
Older Used Car (2019 - 2023)
5.75%
48 Months
▼
APR5.75%
Term48 Months
Last UpdatedApr 11, 2026
Details
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
101 Page St, New Bedford, MA, 02740
Used Automobile Loans
5.75%
24 Months
▼
APR5.75%
Term24 Months
Last UpdatedApr 18, 2026
Details
LTV MAX: 70%; FICO Score: D 639-620
Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
950 Park St, Stoughton, MA, 02072
Auto Loans - Used
5.99%
72 months
▼
APR5.99%
Term72 months
Last UpdatedApr 17, 2026
Details
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
311 Chestnut St, Chelsea, MA, 02150
Used Autos 2019 - 2021
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedApr 17, 2026
Details
90% Financing
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
200 Concord St, Framingham, MA, 01702 8306
Used Auto (Years 2021 - 2024)
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedApr 17, 2026
Details
Direct Deposit Auto Pay
St Anthony Of Padua Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
806 Bedford St, Fall River, MA, 02723
Used Auto Loans - with 15% down
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As; Maximum term to 48 months; Vehicles 1 - 5 years old
Health Alliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
230 Highland Ave, Somerville, MA, 02143 1408
Used Car Loans (2020,2021,2022)
5.99%
36-60
▼
APR5.99%
Term36-60
Last UpdatedApr 18, 2026
Details
Health Alliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
230 Highland Ave, Somerville, MA, 02143 1408
Used Car Loans (2023,2024)
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedApr 18, 2026
Details
Morton Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
88 washington st, taunton, MA, 02780 2465
Used Cars
5.99%
up to 6 years
▼
APR5.99%
Termup to 6 years
Last UpdatedApr 18, 2026
Details
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
50 Main St, Millbury, MA, 01527
Car Loans - New And Used
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As; Car Model Years 2023 - 2026
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
455 W Broadway, South Boston, MA, 02127 2218
Used Vehicle Loan
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; Maximum borrowed $50,000
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
155 State St, Newburyport, MA, 01950
Used Car Loans 2021-2022 Models
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedApr 19, 2026
Details
Community Credit Union Of Lynn
Institution Rating:
A-5.0 ★ Texas Ratio: 14.06%
1 Andrew St, Lynn, MA, 01901 1101
Used Vehicle 2023
6.00%
67-75
▼
APR6.00%
Term67-75
Last UpdatedApr 8, 2026
Details
As Low As
Watertown Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
149 MAIN ST, WATERTOWN, MA, 02472 4410
Used Autos 2022/2023/2024 Models
6.00%
24 Months
▼
APR6.00%
Term24 Months
Last UpdatedApr 8, 2026
Details
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA, 02143
Used Car (2022 - 2024)
6.00%
60 Months
▼
APR6.00%
Term60 Months
Last UpdatedApr 11, 2026
Details
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
659 Eastern Ave, Fall River, MA, 02723
Used Autos
6.00%
24 Months
▼
APR6.00%
Term24 Months
Last UpdatedApr 17, 2026
Details
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
101 Page St, New Bedford, MA, 02740
Used Automobile Loans
6.00%
24 Months
▼
APR6.00%
Term24 Months
Last UpdatedApr 18, 2026
Details
LTV MAX: 60%; FICO Score: E < 619
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
200 Concord St, Framingham, MA, 01702 8306
Used Auto (Years 2021 - 2024)
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedApr 17, 2026
Details
Without Direct Deposit Auto Pay
Community Credit Union Of Lynn
Institution Rating:
A-5.0 ★ Texas Ratio: 14.06%
1 Andrew St, Lynn, MA, 01901 1101
Used Vehicle 2022
6.25%
24-75
▼
APR6.25%
Term24-75
Last UpdatedApr 8, 2026
Details
As Low As
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA, 02143
Older Used Car (2019 - 2023)
6.25%
60 Months
▼
APR6.25%
Term60 Months
Last UpdatedApr 11, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
5 Cheshire Rd, Pittsfield, MA, 01201
Auto Loans: Used Vehicle
6.25%
5 Years
▼
APR6.25%
Term5 Years
Last UpdatedApr 16, 2026
Details
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
659 Eastern Ave, Fall River, MA, 02723
Used Autos
6.25%
36 Months
▼
APR6.25%
Term36 Months
Last UpdatedApr 17, 2026
Details
St Annes Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
286 Oliver St, Fall River, MA, 02724 2935
Used Auto 2024-2016
6.49%
36-60 Months
▼
APR6.49%
Term36-60 Months
Last UpdatedApr 8, 2026
Details
As Low As
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
40 Pine St, Stoneham, MA, 02180 2048
Used Automobile
6.49%
12-72
▼
APR6.49%
Term12-72
Last UpdatedApr 18, 2026
Details
Up To $50,000; 90% NADA value; Years 2020-2026
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
100 SWIFT ST, EAST BOSTON, MA, 02128 1864
Used Auto
6.49%
48 Months
▼
APR6.49%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
Community Credit Union Of Lynn
Institution Rating:
A-5.0 ★ Texas Ratio: 14.06%
1 Andrew St, Lynn, MA, 01901 1101
Used Vehicle 2021
6.50%
24-75
▼
APR6.50%
Term24-75
Last UpdatedApr 8, 2026
Details
As Low As
Watertown Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
149 MAIN ST, WATERTOWN, MA, 02472 4410
Used Autos 2022/2023/2024 Models
6.50%
36 Months
▼
APR6.50%
Term36 Months
Last UpdatedApr 8, 2026
Details
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA, 02143
Older Used Car (2018 and older) - 80% of KBB value
6.50%
48 Months
▼
APR6.50%
Term48 Months
Last UpdatedApr 11, 2026
Details
Dean Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
21 Main St, Franklin, MA, 02038
Used Cars
6.50%
24 Months
▼
APR6.50%
Term24 Months
Last UpdatedApr 16, 2026
Details
As Low As
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
659 Eastern Ave, Fall River, MA, 02723
Used Autos
6.50%
72 Months
▼
APR6.50%
Term72 Months
Last UpdatedApr 17, 2026
Details
Health Alliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
230 Highland Ave, Somerville, MA, 02143 1408
Used Car Loans (2018, 2019)
6.50%
36-60
▼
APR6.50%
Term36-60
Last UpdatedApr 18, 2026
Details
Methuen Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
243 Broadway, Methuen, MA, 01844
Used Auto
6.62%
24 Months
▼
APR6.62%
Term24 Months
Last UpdatedApr 16, 2026
Details
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
50 Main St, Millbury, MA, 01527
Car Loans - New And Used
6.74%
84 Months
▼
APR6.74%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As; Car Model Years 2023 - 2026
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
100 SWIFT ST, EAST BOSTON, MA, 02128 1864
Used Auto
6.74%
60 Months
▼
APR6.74%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
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MonitorBankRates
Massachusetts Auto Loan Rate Trends
Compare local Massachusetts auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New Auto Loan — MA Avg
6.554%
▲ 0.221 vs 7 days ago
Massachusetts new auto rates rose 0.221 points over the past 7 days to 6.554% APR.
Used Auto Loan — MA Avg
6.403%
▲ 0.139 vs 7 days ago
Massachusetts used auto rates rose 0.139 points over the past 7 days to 6.403% APR.
As of Apr 23, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in Massachusetts
How does my credit score affect my car loan rate in Massachusetts?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Massachusetts with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.
Is it better to finance through a dealership or a bank?
It is highly recommended to get pre-approved through a local bank or credit union in Massachusetts *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.
What is the difference between New and Used Auto Loan rates?
Lenders in Massachusetts typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
What are the best Auto Loan rates in Massachusetts?
Based on our current data, some of the lowest auto loan rates available in Massachusetts include:
- Baxter Credit Union: 3.24% (Auto Loans)
- American Airlines Federal Credit Union: 3.74% (New Auto)
- Chelsea Employees Federal Credit Union: 3.99% (New Autos)
- Plymouth County Teachers Federal Credit Union: 3.99% (Auto Loan)
- Quincy Credit Union: 3.99% (New Auto Loans)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Massachusetts. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 19, 2026
Auto Loan Rates by City in Massachusetts
Rate Assistant
MonitorBankRates.com · Live Data
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