Auto Loan Rates in New Hampshire (NH) for April 2026
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Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
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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 New Hampshire. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in New Hampshire include Granite State Credit UnionGranite State Credit Union1415 Elm St, Manchester, NH, 03101 1325A+5.0 ★Texas Ratio: 5.41% offering New Auto Loan 2026 & Newer at 4.39%, Together Credit UnionTogether Credit Union3 Mound Ct Ste 3A, Merrimack, NH, 03054 4412A+5.0 ★Texas Ratio: 5.65% offering New Auto at 4.64%, Pentucket BankPentucket Bank201 State Route 111, Hampstead, NH, 03841A+5.0 ★Texas Ratio: 0.68% offering Auto Loan at 5.25%. Auto loan rates as of April 19, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across New Hampshire side-by-side. New Hampshire auto loan rates currently start as low as 4.39% APR from Granite State Credit Union at 1415 Elm St, Manchester, NH, 03101 1325. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in New Hampshire. Auto Loan Rates Last Updated and Verified: April 19, 2026
Compare Auto Loan Rates Today in New Hampshire
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Granite State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
1415 Elm St, Manchester, NH, 03101 1325
New Auto Loan 2026 & Newer
4.39%
42 Months
▼
APR4.39%
Term42 Months
Last UpdatedApr 19, 2026
Details
As Low As
Granite State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
1415 Elm St, Manchester, NH, 03101 1325
Used Auto Loan 2019 & Newer
4.39%
42 Months
▼
APR4.39%
Term42 Months
Last UpdatedApr 19, 2026
Details
As Low As
Granite State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
1415 Elm St, Manchester, NH, 03101 1325
New Auto Loan 2026 & Newer
4.61%
54 Months
▼
APR4.61%
Term54 Months
Last UpdatedApr 19, 2026
Details
As Low As
Granite State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
1415 Elm St, Manchester, NH, 03101 1325
Used Auto Loan 2019 & Newer
4.61%
54 Months
▼
APR4.61%
Term54 Months
Last UpdatedApr 19, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
3 Mound Ct Ste 3A, Merrimack, NH, 03054 4412
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedApr 19, 2026
Details
Granite State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
1415 Elm St, Manchester, NH, 03101 1325
New Auto Loan 2026 & Newer
4.84%
66 Months
▼
APR4.84%
Term66 Months
Last UpdatedApr 19, 2026
Details
As Low As
Granite State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
1415 Elm St, Manchester, NH, 03101 1325
Used Auto Loan 2019 & Newer
4.84%
66 Months
▼
APR4.84%
Term66 Months
Last UpdatedApr 19, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
3 Mound Ct Ste 3A, Merrimack, NH, 03054 4412
Used Auto1
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedApr 19, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
3 Mound Ct Ste 3A, Merrimack, NH, 03054 4412
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedApr 19, 2026
Details
Pentucket Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
201 State Route 111, Hampstead, NH, 03841
Auto Loan
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedApr 17, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
3 Mound Ct Ste 3A, Merrimack, NH, 03054 4412
Used Auto1
5.49%
Up to 75 Months
▼
APR5.49%
TermUp to 75 Months
Last UpdatedApr 19, 2026
Details
Pentucket Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
201 State Route 111, Hampstead, NH, 03841
Auto Loan
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedApr 17, 2026
Details
Pentucket Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
201 State Route 111, Hampstead, NH, 03841
Auto Loan
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedApr 17, 2026
Details
Granite State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
1415 Elm St, Manchester, NH, 03101 1325
New Auto Loan 2026 & Newer
5.83%
78 Months
▼
APR5.83%
Term78 Months
Last UpdatedApr 19, 2026
Details
As Low As
Granite State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
1415 Elm St, Manchester, NH, 03101 1325
Used Auto Loan 2019 & Newer
5.83%
78 Months
▼
APR5.83%
Term78 Months
Last UpdatedApr 19, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
3 Mound Ct Ste 3A, Merrimack, NH, 03054 4412
Used Auto (2018 or older)
5.99%
Up to 60 Months
▼
APR5.99%
TermUp to 60 Months
Last UpdatedApr 19, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
3 Mound Ct Ste 3A, Merrimack, NH, 03054 4412
New Auto
6.14%
Up to 84 Months
▼
APR6.14%
TermUp to 84 Months
Last UpdatedApr 19, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
3 Mound Ct Ste 3A, Merrimack, NH, 03054 4412
Used Auto1
6.49%
Up to 84 Months
▼
APR6.49%
TermUp to 84 Months
Last UpdatedApr 19, 2026
Details
Granite State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
1415 Elm St, Manchester, NH, 03101 1325
New Auto Loan 2026 & Newer
6.82%
90 Months
▼
APR6.82%
Term90 Months
Last UpdatedApr 19, 2026
Details
As Low As
Granite State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
1415 Elm St, Manchester, NH, 03101 1325
Used Auto Loan 2019 & Newer
6.82%
90 Months
▼
APR6.82%
Term90 Months
Last UpdatedApr 19, 2026
Details
As Low As
Granite State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
1415 Elm St, Manchester, NH, 03101 1325
Used Auto Loan 2018 & Older
9.09%
66 Months
▼
APR9.09%
Term66 Months
Last UpdatedApr 19, 2026
Details
As Low As
Granite State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
1415 Elm St, Manchester, NH, 03101 1325
Used Auto Loan 2018 & Older
9.82%
90 Months
▼
APR9.82%
Term90 Months
Last UpdatedApr 19, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Granite State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
1415 Elm St, Manchester, NH, 03101 1325
New Auto Loan 2026 & Newer
4.39%
42 Months
▼
APR4.39%
Term42 Months
Last UpdatedApr 19, 2026
Details
As Low As
Granite State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
1415 Elm St, Manchester, NH, 03101 1325
Used Auto Loan 2019 & Newer
4.39%
42 Months
▼
APR4.39%
Term42 Months
Last UpdatedApr 19, 2026
Details
As Low As
Granite State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
1415 Elm St, Manchester, NH, 03101 1325
New Auto Loan 2026 & Newer
4.61%
54 Months
▼
APR4.61%
Term54 Months
Last UpdatedApr 19, 2026
Details
As Low As
Granite State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
1415 Elm St, Manchester, NH, 03101 1325
Used Auto Loan 2019 & Newer
4.61%
54 Months
▼
APR4.61%
Term54 Months
Last UpdatedApr 19, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
3 Mound Ct Ste 3A, Merrimack, NH, 03054 4412
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedApr 19, 2026
Details
Granite State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
1415 Elm St, Manchester, NH, 03101 1325
New Auto Loan 2026 & Newer
4.84%
66 Months
▼
APR4.84%
Term66 Months
Last UpdatedApr 19, 2026
Details
As Low As
Granite State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
1415 Elm St, Manchester, NH, 03101 1325
Used Auto Loan 2019 & Newer
4.84%
66 Months
▼
APR4.84%
Term66 Months
Last UpdatedApr 19, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
3 Mound Ct Ste 3A, Merrimack, NH, 03054 4412
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedApr 19, 2026
Details
Granite State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
1415 Elm St, Manchester, NH, 03101 1325
New Auto Loan 2026 & Newer
5.83%
78 Months
▼
APR5.83%
Term78 Months
Last UpdatedApr 19, 2026
Details
As Low As
Granite State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
1415 Elm St, Manchester, NH, 03101 1325
Used Auto Loan 2019 & Newer
5.83%
78 Months
▼
APR5.83%
Term78 Months
Last UpdatedApr 19, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
3 Mound Ct Ste 3A, Merrimack, NH, 03054 4412
New Auto
6.14%
Up to 84 Months
▼
APR6.14%
TermUp to 84 Months
Last UpdatedApr 19, 2026
Details
Granite State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
1415 Elm St, Manchester, NH, 03101 1325
New Auto Loan 2026 & Newer
6.82%
90 Months
▼
APR6.82%
Term90 Months
Last UpdatedApr 19, 2026
Details
As Low As
Granite State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
1415 Elm St, Manchester, NH, 03101 1325
Used Auto Loan 2019 & Newer
6.82%
90 Months
▼
APR6.82%
Term90 Months
Last UpdatedApr 19, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Granite State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
1415 Elm St, Manchester, NH, 03101 1325
Used Auto Loan 2019 & Newer
4.39%
42 Months
▼
APR4.39%
Term42 Months
Last UpdatedApr 19, 2026
Details
As Low As
Granite State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
1415 Elm St, Manchester, NH, 03101 1325
Used Auto Loan 2019 & Newer
4.61%
54 Months
▼
APR4.61%
Term54 Months
Last UpdatedApr 19, 2026
Details
As Low As
Granite State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
1415 Elm St, Manchester, NH, 03101 1325
Used Auto Loan 2019 & Newer
4.84%
66 Months
▼
APR4.84%
Term66 Months
Last UpdatedApr 19, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
3 Mound Ct Ste 3A, Merrimack, NH, 03054 4412
Used Auto1
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedApr 19, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
3 Mound Ct Ste 3A, Merrimack, NH, 03054 4412
Used Auto1
5.49%
Up to 75 Months
▼
APR5.49%
TermUp to 75 Months
Last UpdatedApr 19, 2026
Details
Granite State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
1415 Elm St, Manchester, NH, 03101 1325
Used Auto Loan 2019 & Newer
5.83%
78 Months
▼
APR5.83%
Term78 Months
Last UpdatedApr 19, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
3 Mound Ct Ste 3A, Merrimack, NH, 03054 4412
Used Auto (2018 or older)
5.99%
Up to 60 Months
▼
APR5.99%
TermUp to 60 Months
Last UpdatedApr 19, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
3 Mound Ct Ste 3A, Merrimack, NH, 03054 4412
Used Auto1
6.49%
Up to 84 Months
▼
APR6.49%
TermUp to 84 Months
Last UpdatedApr 19, 2026
Details
Granite State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
1415 Elm St, Manchester, NH, 03101 1325
Used Auto Loan 2019 & Newer
6.82%
90 Months
▼
APR6.82%
Term90 Months
Last UpdatedApr 19, 2026
Details
As Low As
Granite State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
1415 Elm St, Manchester, NH, 03101 1325
Used Auto Loan 2018 & Older
9.09%
66 Months
▼
APR9.09%
Term66 Months
Last UpdatedApr 19, 2026
Details
As Low As
Granite State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
1415 Elm St, Manchester, NH, 03101 1325
Used Auto Loan 2018 & Older
9.82%
90 Months
▼
APR9.82%
Term90 Months
Last UpdatedApr 19, 2026
Details
As Low As
Powered by
MonitorBankRates
New Hampshire Auto Loan Rate Trends
Compare local New Hampshire 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 — NH Avg
5.707%
▲ 0.244 vs 7 days ago
New Hampshire new auto rates rose 0.244 points over the past 7 days to 5.707% APR.
Used Auto Loan — NH Avg
6.518%
▲ 0.214 vs 7 days ago
New Hampshire used auto rates rose 0.214 points over the past 7 days to 6.518% APR.
As of Apr 23, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in New Hampshire
How does my credit score affect my car loan rate in New Hampshire?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in New Hampshire 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 New Hampshire *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 New Hampshire 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 New Hampshire?
Based on our current data, some of the lowest auto loan rates available in New Hampshire include:
- Granite State Credit Union: 4.39% (New Auto Loan 2026 & Newer)
- Together Credit Union: 4.64% (New Auto)
- Pentucket Bank: 5.25% (Auto Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in New Hampshire. 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 New Hampshire
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