Auto Loan Rates in South Lancaster, Massachusetts (MA) for July 2026
Brian McKay
Brian McKay
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Current auto loan rates in South Lancaster, Massachusetts include St Anthony Of Padua Federal Credit UnionSt Anthony Of Padua Federal Credit UnionA+5.0 ★Texas Ratio: 5.37% offering Used Auto Loans at 3.10%, American Airlines Federal Credit UnionAmerican Airlines Federal Credit UnionA+5.0 ★Texas Ratio: 2.51% offering New Auto at 3.34%, Chelsea Employees Federal Credit UnionChelsea Employees Federal Credit UnionA+5.0 ★Texas Ratio: 3.30% offering New Autos at 3.99%, Quincy Credit UnionQuincy Credit UnionA+5.0 ★Texas Ratio: 4.28% offering New Auto Loans at 3.99%, Greater Springfield Credit UnionGreater Springfield Credit UnionA+5.0 ★Texas Ratio: 1.04% offering New Auto Loan at 3.99%. Auto loan rates as of July 16, 2026 according to verified data from MonitorBankRates.
South Lancaster borrowers have access to 42 lenders serving the Massachusetts area, with auto loan rates as low as 3.10% APR from St Anthony Of Padua Federal Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in South Lancaster, Massachusetts. Auto Loan Rates Last Updated and Verified: July 16, 2026
Compare Auto Loan Rates Today in South Lancaster, Massachusetts & Surrounding Area
South Lancaster Auto Loan Rates
As Low As; Maximum term to 36 months
90% Financing
90% Financing
APR with Auto Pay As Low As*
APR with Auto Pay As Low As*
As Low As; Fixed APR
Rates as low as APR1
As Low As; Maximum term to 48 months
As Low As; 100% financing available for qualified vehicles. Used Vehicle rates are based on J.D. Power book value. 84 Month Term for qualified vehicles and borrowers only. All rates are subject to change without notice.
As Low As; 1.00% discount for automatic monthly payment; All rates are subject to change without notice.
As Low As; 1.00% discount for automatic monthly payment; All rates are subject to change without notice.
As Low As; Certain restrictions apply.
As Low As; New/Used, Buy/Refi*; Other great rates & terms available; APPLY - Drive Down Your Payments
As low as 4.24% up to 7.99%
As low as 4.24% up to 7.99%
Model year: 2025 or newer with less than 7,000 miles; Up to 100% financing available
Annual Percentage Rate (APR) effective 6/1/26. Published rates reflects a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply.
As low as 4.49% up to 8.24%
As low as 4.49% up to 8.24%
APR with Auto Pay As Low As*
APR with Auto Pay As Low As*
100% or up to 125% Financing & VSI/$125,000 Maximum
Model year: 2025 or newer with less than 7,000 miles; Up to 100% financing available
Model years: 2023 or newer (and 2025 with more than 7,000 miles); Up to 100% financing available
As Low As; 100% financing available for qualified vehicles. Used Vehicle rates are based on J.D. Power book value. 84 Month Term for qualified vehicles and borrowers only. All rates are subject to change without notice.
As Low As; 1.00% discount for automatic monthly payment; All rates are subject to change without notice.
As Low As; 1.00% discount for automatic monthly payment; All rates are subject to change without notice.
As Low As; Certain restrictions apply.
As Low As; Offer valid on auto loans originated on or after January 1, 2026. To qualify for these rates, newly established direct deposit relationships of a minimum of $1,000 per month into any deposit account must be initiated within 45 days of loan closing. If the direct deposit is not established or is discontinued, the interest rate will increase by 0.50%. Direct deposit includes deposits from employer payroll, government benefits, retirement payments or pensions. Not applicable to Line of credit, revolving or credit products. Promotional discount offering may be withdrawn at any time. Additional rates and terms are available. Advertised rate(s) available on New & Used Vehicle Loans of Model Year 2021 or Newer with a maximum loan to value (LTV) of 100% or less.
Annual Percentage Rate (APR) effective 6/1/26. Published rates reflect a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply.
As low as 4.74% up to 8.74%
As low as 4.74% up to 8.74%
APR with Auto Pay As Low As*
APR with Auto Pay As Low As*
100% or up to 125% Financing & VSI/$125,000 Maximum
90% Financing
Annual Percentage Rate (APR) effective 6/1/26. Published rates reflects a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply.
As Low As; Offer valid on auto loans originated on or after January 1, 2026. To qualify for these rates, newly established direct deposit relationships of a minimum of $1,000 per month into any deposit account must be initiated within 45 days of loan closing. If the direct deposit is not established or is discontinued, the interest rate will increase by 0.50%. Direct deposit includes deposits from employer payroll, government benefits, retirement payments or pensions. Not applicable to Line of credit, revolving or credit products. Promotional discount offering may be withdrawn at any time. Additional rates and terms are available. Advertised rate(s) available on New & Used Vehicle Loans of Model Year 2021 or Newer with a maximum loan to value (LTV) of 100% or less.
As Low As
Vehicle Years: 2025 - 2026
As Low As
As Low As; Maximum Amount: $65,000
As Low As; **
Rates as low as; **
Rates as low as; **
As Low As; *
As low as 4.99% up to 8.99%
As Low As; Fixed APR
Rates as low as APR1
APR with Auto Pay As Low As*
LTV MAX: 100%; FICO Score: Platinum 720+
LTV MAX: 100%; FICO Score: Platinum 720+
100% or up to 125% Financing & VSI/$125,000 Maximum
As Low As; 100% financing available
As Low As; 100% financing available
As Low As; 100% financing available for qualified vehicles. Used Vehicle rates are based on J.D. Power book value. 84 Month Term for qualified vehicles and borrowers only. All rates are subject to change without notice.
As Low As; 1.00% discount for automatic monthly payment; All rates are subject to change without notice.
Annual Percentage Rate (APR) effective 6/1/26. Published rates reflect a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply.
Annual Percentage Rate (APR) effective 6/1/26. Published rates reflect a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply.
As Low As; Year: 2024-2026
As Low As; Fixed APR
LTV MAX: 90%; FICO Score: B 679-660
LTV MAX: 90%; FICO Score: B 679-660
Up To $60,000; 100% NADA value; Years 2025-2026; Maximum mileage up to 8,000
0.50% discount for new and used Electronic Vehicles (excluding Hybrids).
As Low As; Offer valid on auto loans originated on or after January 1, 2026. To qualify for these rates, newly established direct deposit relationships of a minimum of $1,000 per month into any deposit account must be initiated within 45 days of loan closing. If the direct deposit is not established or is discontinued, the interest rate will increase by 0.50%. Direct deposit includes deposits from employer payroll, government benefits, retirement payments or pensions. Not applicable to Line of credit, revolving or credit products. Promotional discount offering may be withdrawn at any time. Additional rates and terms are available. Advertised rate(s) available on New & Used Vehicle Loans of Model Year 2021 or Newer with a maximum loan to value (LTV) of 100% or less.
Annual Percentage Rate (APR) effective 6/1/26. Published rates reflect a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply.
Vehicle Years: 2022 - 2025
As Low As; Year: 2024-2026
As Low As; **
Rates as low as; **
Rates as low as; **
As low as 5.49% up to 9.24%
Rates as low as APR1
Model Yrs: 2024 - 2025; Credit Score: 700-850; Debt Ratio: 42 %; MAX: $ 100,000
Vehicle Years: 2025 - 2026
LTV MAX: 80%; FICO Score: C 659-640
LTV MAX: 80%; FICO Score: C 659-640
As Low As
Model year: 2025 or newer with less than 7,000 miles; Up to 100% financing available
Model years: 2023 or newer (and 2025 with more than 7,000 miles); Up to 100% financing available
As Low As; APR**
As Low As; APR**
As Low As; APR**
Annual Percentage Rate (APR) effective 6/1/26. Published rates reflects a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply.
Vehicle Years: 2018 - 2021
As Low As; Age of Vehicle: 2023 and Newer
As Low As; Year: 2024-2026
As Low As; APR**
As Low As; APR**
As Low As
LTV MAX: 70%; FICO Score: D 639-620
LTV MAX: 70%; FICO Score: D 639-620
As Low As; **
0.50% discount for new and used Electronic Vehicles (excluding Hybrids).
As Low As; APR**
Model years: 2021 -2022 (older considered on case by case basis); Up to 100% financing available
90% Financing
Annual Percentage Rate (APR) effective 6/1/26. Published rates reflect a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply.
Vehicle Years: 2022 - 2025
Vehicles 1 - 5 years old
As Low As; Age of Vehicle: 2023 and Newer
Up To $60,000; 100% NADA value; Years 2025-2026; Maximum mileage up to 8,000
As Low As; Year: 2024-2026
As Low As; Year: 2019-2023
As low as 5.99% up to 9.74%
As low as 5.99% up to 9.49%
Rates as low as APR1
LTV MAX: 60%; FICO Score: E < 619
LTV MAX: 60%; FICO Score: E < 619
As Low As; **
Tier 1; Credit Score 700-850; Debt Ratio 42 %; MAX $ 85,000
Model years: 2021 -2022 (older considered on case by case basis); Up to 100% financing available
Vehicle Years: 2025 - 2026
As Low As; Age of Vehicle: 2018 - 2022
As Low As; Year: 2019-2023
As Low As
As Low As; Cost Per Thousand: $23.60
As low as 6.24% up to 9.99%
Model Yrs: 2024 - 2025; Credit Score: 600-699; Debt Ratio: 38 %; MAX: $ 100,000
As Low As
As Low As; 100% financing available
Up To $50,000; 90% NADA value; Years 2020-2026
As Low As; APR**
As Low As
As Low As; Cost Per Thousand: $19.56
As Low As
Rates as low as APR1
Model Yrs: 2024 - 2025; Credit Score: 500-599; Debt Ratio: 32 %; MAX: $ 100,000
As Low As
South Lancaster New Auto Auto Loan Rates
90% Financing
APR with Auto Pay As Low As*
As Low As; Fixed APR
As Low As; 100% financing available for qualified vehicles. Used Vehicle rates are based on J.D. Power book value. 84 Month Term for qualified vehicles and borrowers only. All rates are subject to change without notice.
As Low As; 1.00% discount for automatic monthly payment; All rates are subject to change without notice.
As Low As; 1.00% discount for automatic monthly payment; All rates are subject to change without notice.
As Low As; Certain restrictions apply.
As low as 4.24% up to 7.99%
Model year: 2025 or newer with less than 7,000 miles; Up to 100% financing available
Annual Percentage Rate (APR) effective 6/1/26. Published rates reflects a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply.
As low as 4.49% up to 8.24%
APR with Auto Pay As Low As*
100% or up to 125% Financing & VSI/$125,000 Maximum
Model year: 2025 or newer with less than 7,000 miles; Up to 100% financing available
As Low As; 100% financing available for qualified vehicles. Used Vehicle rates are based on J.D. Power book value. 84 Month Term for qualified vehicles and borrowers only. All rates are subject to change without notice.
As Low As; 1.00% discount for automatic monthly payment; All rates are subject to change without notice.
As Low As; 1.00% discount for automatic monthly payment; All rates are subject to change without notice.
As Low As; Certain restrictions apply.
As low as 4.74% up to 8.74%
APR with Auto Pay As Low As*
100% or up to 125% Financing & VSI/$125,000 Maximum
Annual Percentage Rate (APR) effective 6/1/26. Published rates reflects a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply.
Vehicle Years: 2025 - 2026
As Low As
As Low As; Maximum Amount: $65,000
Rates as low as; **
As Low As; *
As Low As; Fixed APR
APR with Auto Pay As Low As*
LTV MAX: 100%; FICO Score: Platinum 720+
100% or up to 125% Financing & VSI/$125,000 Maximum
As Low As; 100% financing available for qualified vehicles. Used Vehicle rates are based on J.D. Power book value. 84 Month Term for qualified vehicles and borrowers only. All rates are subject to change without notice.
As Low As; 1.00% discount for automatic monthly payment; All rates are subject to change without notice.
As Low As; Year: 2024-2026
As Low As; Fixed APR
LTV MAX: 90%; FICO Score: B 679-660
Up To $60,000; 100% NADA value; Years 2025-2026; Maximum mileage up to 8,000
0.50% discount for new and used Electronic Vehicles (excluding Hybrids).
As Low As; Year: 2024-2026
Rates as low as; **
Model Yrs: 2024 - 2025; Credit Score: 700-850; Debt Ratio: 42 %; MAX: $ 100,000
Vehicle Years: 2025 - 2026
LTV MAX: 80%; FICO Score: C 659-640
As Low As
Model year: 2025 or newer with less than 7,000 miles; Up to 100% financing available
As Low As; APR**
Annual Percentage Rate (APR) effective 6/1/26. Published rates reflects a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply.
As Low As; Age of Vehicle: 2023 and Newer
As Low As; Year: 2024-2026
As Low As; APR**
As Low As
LTV MAX: 70%; FICO Score: D 639-620
As Low As; **
As Low As; Age of Vehicle: 2023 and Newer
Up To $60,000; 100% NADA value; Years 2025-2026; Maximum mileage up to 8,000
As Low As; Year: 2024-2026
LTV MAX: 60%; FICO Score: E < 619
As Low As; **
Vehicle Years: 2025 - 2026
As Low As
As Low As; Cost Per Thousand: $23.60
Model Yrs: 2024 - 2025; Credit Score: 600-699; Debt Ratio: 38 %; MAX: $ 100,000
As Low As
As Low As
As Low As; Cost Per Thousand: $19.56
Model Yrs: 2024 - 2025; Credit Score: 500-599; Debt Ratio: 32 %; MAX: $ 100,000
South Lancaster Used Auto Auto Loan Rates
As Low As; Maximum term to 36 months
90% Financing
APR with Auto Pay As Low As*
As Low As; Maximum term to 48 months
As Low As; 100% financing available for qualified vehicles. Used Vehicle rates are based on J.D. Power book value. 84 Month Term for qualified vehicles and borrowers only. All rates are subject to change without notice.
As Low As; 1.00% discount for automatic monthly payment; All rates are subject to change without notice.
As Low As; 1.00% discount for automatic monthly payment; All rates are subject to change without notice.
As low as 4.24% up to 7.99%
As low as 4.24% up to 7.99%
As low as 4.49% up to 8.24%
As low as 4.49% up to 8.24%
APR with Auto Pay As Low As*
Model years: 2023 or newer (and 2025 with more than 7,000 miles); Up to 100% financing available
As Low As; 100% financing available for qualified vehicles. Used Vehicle rates are based on J.D. Power book value. 84 Month Term for qualified vehicles and borrowers only. All rates are subject to change without notice.
As Low As; 1.00% discount for automatic monthly payment; All rates are subject to change without notice.
As Low As; 1.00% discount for automatic monthly payment; All rates are subject to change without notice.
Annual Percentage Rate (APR) effective 6/1/26. Published rates reflect a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply.
As low as 4.74% up to 8.74%
As low as 4.74% up to 8.74%
APR with Auto Pay As Low As*
90% Financing
Rates as low as; **
Rates as low as; **
As low as 4.99% up to 8.99%
LTV MAX: 100%; FICO Score: Platinum 720+
As Low As; 100% financing available
As Low As; 100% financing available
As Low As; 100% financing available for qualified vehicles. Used Vehicle rates are based on J.D. Power book value. 84 Month Term for qualified vehicles and borrowers only. All rates are subject to change without notice.
As Low As; 1.00% discount for automatic monthly payment; All rates are subject to change without notice.
Annual Percentage Rate (APR) effective 6/1/26. Published rates reflect a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply.
Annual Percentage Rate (APR) effective 6/1/26. Published rates reflect a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply.
As Low As; Year: 2024-2026
LTV MAX: 90%; FICO Score: B 679-660
Annual Percentage Rate (APR) effective 6/1/26. Published rates reflect a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply.
Vehicle Years: 2022 - 2025
Rates as low as; **
Rates as low as; **
As low as 5.49% up to 9.24%
LTV MAX: 80%; FICO Score: C 659-640
As Low As
Model years: 2023 or newer (and 2025 with more than 7,000 miles); Up to 100% financing available
As Low As; APR**
As Low As; APR**
As Low As; APR**
Vehicle Years: 2018 - 2021
As Low As; Year: 2024-2026
As Low As; APR**
As Low As; APR**
LTV MAX: 70%; FICO Score: D 639-620
As Low As; APR**
Model years: 2021 -2022 (older considered on case by case basis); Up to 100% financing available
90% Financing
Annual Percentage Rate (APR) effective 6/1/26. Published rates reflect a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply.
Vehicle Years: 2022 - 2025
Vehicles 1 - 5 years old
As Low As; Year: 2019-2023
As low as 5.99% up to 9.74%
As low as 5.99% up to 9.49%
LTV MAX: 60%; FICO Score: E < 619
Tier 1; Credit Score 700-850; Debt Ratio 42 %; MAX $ 85,000
Model years: 2021 -2022 (older considered on case by case basis); Up to 100% financing available
As Low As; Age of Vehicle: 2018 - 2022
As Low As; Year: 2019-2023
As low as 6.24% up to 9.99%
As Low As; 100% financing available
Up To $50,000; 90% NADA value; Years 2020-2026
As Low As; APR**
As Low As
As Low As
South Lancaster, MA Auto Loan Rate Trends
Compare local South Lancaster, MA 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.
Massachusetts new auto rates fell 0.001 points over the past 7 days to 6.546% APR.
Massachusetts used auto rates fell 0.111 points over the past 7 days to 6.207% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our South Lancaster, Massachusetts auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for South Lancaster, Massachusetts directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in South Lancaster, Massachusetts. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in MA.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in South Lancaster, Massachusetts
How does my credit score affect my car loan rate in Massachusetts?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
What are the best Auto Loan rates in South Lancaster, Massachusetts?
- St Anthony Of Padua Federal Credit Union: 3.10% (Used Auto Loans)
- American Airlines Federal Credit Union: 3.34% (New Auto)
- Chelsea Employees Federal Credit Union: 3.99% (New Autos)
- Quincy Credit Union: 3.99% (New Auto Loans)
- Greater Springfield Credit Union: 3.99% (New Auto Loan)
South Lancaster, Massachusetts Rates & Resources
