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Auto Loan Rates in Amherst, New Hampshire (NH) for April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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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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| i Editorial Disclosure
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 Amherst, New Hampshire. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates — Last Updated and Verified: April 19, 2026

Current auto loan rates in Amherst, New Hampshire include Granite State Credit UnionGranite State Credit Union132 State Route 101A, Amherst, NH, 03031A+5.0 ★Texas Ratio: 5.41% offering New Auto Loan 2026 & Newer at 4.39%, Together Credit UnionTogether Credit UnionA+5.0 ★Texas Ratio: 5.65% offering New Auto at 4.64%, Pentucket BankPentucket BankA+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.

Amherst has 1 local institution in our database, with auto loan rates as low as 4.39% APR from Granite State Credit Union at 132 State Route 101A, Amherst, NH, 03031. 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 Amherst, New Hampshire. Auto Loan Rates Last Updated and Verified: April 19, 2026

Compare Auto Loan Rates Today in Amherst, New Hampshire & Surrounding Area

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%
132 State Route 101A, Amherst, NH, 03031
New Auto Loan 2026 & Newer
4.39%
42 Months
View
▼
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%
132 State Route 101A, Amherst, NH, 03031
Used Auto Loan 2019 & Newer
4.39%
42 Months
View
▼
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%
132 State Route 101A, Amherst, NH, 03031
New Auto Loan 2026 & Newer
4.61%
54 Months
View
▼
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%
132 State Route 101A, Amherst, NH, 03031
Used Auto Loan 2019 & Newer
4.61%
54 Months
View
▼
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%
132 State Route 101A, Amherst, NH, 03031
New Auto Loan 2026 & Newer
4.84%
66 Months
View
▼
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%
132 State Route 101A, Amherst, NH, 03031
Used Auto Loan 2019 & Newer
4.84%
66 Months
View
▼
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%
132 State Route 101A, Amherst, NH, 03031
New Auto Loan 2026 & Newer
5.83%
78 Months
View
▼
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%
132 State Route 101A, Amherst, NH, 03031
Used Auto Loan 2019 & Newer
5.83%
78 Months
View
▼
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%
132 State Route 101A, Amherst, NH, 03031
New Auto Loan 2026 & Newer
6.82%
90 Months
View
▼
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%
132 State Route 101A, Amherst, NH, 03031
Used Auto Loan 2019 & Newer
6.82%
90 Months
View
▼
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%
132 State Route 101A, Amherst, NH, 03031
Used Auto Loan 2018 & Older
9.09%
66 Months
View
▼
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%
132 State Route 101A, Amherst, NH, 03031
Used Auto Loan 2018 & Older
9.82%
90 Months
View
▼
APR9.82%
Term90 Months
Last UpdatedApr 19, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
4.64%
Up to 63 Months
View
▼
APR4.64%
TermUp to 63 Months
Last UpdatedApr 19, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
4.99%
Up to 63 Months
View
▼
APR4.99%
TermUp to 63 Months
Last UpdatedApr 19, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
5.14%
Up to 75 Months
View
▼
APR5.14%
TermUp to 75 Months
Last UpdatedApr 19, 2026
Details

Pentucket Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
Auto Loan
5.25%
48 Months
View
▼
APR5.25%
Term48 Months
Last UpdatedApr 17, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
5.49%
Up to 75 Months
View
▼
APR5.49%
TermUp to 75 Months
Last UpdatedApr 19, 2026
Details

Pentucket Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
Auto Loan
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedApr 17, 2026
Details

Pentucket Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
Auto Loan
5.75%
72 Months
View
▼
APR5.75%
Term72 Months
Last UpdatedApr 17, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto (2018 or older)
5.99%
Up to 60 Months
View
▼
APR5.99%
TermUp to 60 Months
Last UpdatedApr 19, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
6.14%
Up to 84 Months
View
▼
APR6.14%
TermUp to 84 Months
Last UpdatedApr 19, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
6.49%
Up to 84 Months
View
▼
APR6.49%
TermUp to 84 Months
Last UpdatedApr 19, 2026
Details

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%
132 State Route 101A, Amherst, NH, 03031
New Auto Loan 2026 & Newer
4.39%
42 Months
View
▼
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%
132 State Route 101A, Amherst, NH, 03031
Used Auto Loan 2019 & Newer
4.39%
42 Months
View
▼
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%
132 State Route 101A, Amherst, NH, 03031
New Auto Loan 2026 & Newer
4.61%
54 Months
View
▼
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%
132 State Route 101A, Amherst, NH, 03031
Used Auto Loan 2019 & Newer
4.61%
54 Months
View
▼
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%
132 State Route 101A, Amherst, NH, 03031
New Auto Loan 2026 & Newer
4.84%
66 Months
View
▼
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%
132 State Route 101A, Amherst, NH, 03031
Used Auto Loan 2019 & Newer
4.84%
66 Months
View
▼
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%
132 State Route 101A, Amherst, NH, 03031
New Auto Loan 2026 & Newer
5.83%
78 Months
View
▼
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%
132 State Route 101A, Amherst, NH, 03031
Used Auto Loan 2019 & Newer
5.83%
78 Months
View
▼
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%
132 State Route 101A, Amherst, NH, 03031
New Auto Loan 2026 & Newer
6.82%
90 Months
View
▼
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%
132 State Route 101A, Amherst, NH, 03031
Used Auto Loan 2019 & Newer
6.82%
90 Months
View
▼
APR6.82%
Term90 Months
Last UpdatedApr 19, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
4.64%
Up to 63 Months
View
▼
APR4.64%
TermUp to 63 Months
Last UpdatedApr 19, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
5.14%
Up to 75 Months
View
▼
APR5.14%
TermUp to 75 Months
Last UpdatedApr 19, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
6.14%
Up to 84 Months
View
▼
APR6.14%
TermUp to 84 Months
Last UpdatedApr 19, 2026
Details

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%
132 State Route 101A, Amherst, NH, 03031
Used Auto Loan 2019 & Newer
4.39%
42 Months
View
▼
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%
132 State Route 101A, Amherst, NH, 03031
Used Auto Loan 2019 & Newer
4.61%
54 Months
View
▼
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%
132 State Route 101A, Amherst, NH, 03031
Used Auto Loan 2019 & Newer
4.84%
66 Months
View
▼
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%
132 State Route 101A, Amherst, NH, 03031
Used Auto Loan 2019 & Newer
5.83%
78 Months
View
▼
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%
132 State Route 101A, Amherst, NH, 03031
Used Auto Loan 2019 & Newer
6.82%
90 Months
View
▼
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%
132 State Route 101A, Amherst, NH, 03031
Used Auto Loan 2018 & Older
9.09%
66 Months
View
▼
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%
132 State Route 101A, Amherst, NH, 03031
Used Auto Loan 2018 & Older
9.82%
90 Months
View
▼
APR9.82%
Term90 Months
Last UpdatedApr 19, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
4.99%
Up to 63 Months
View
▼
APR4.99%
TermUp to 63 Months
Last UpdatedApr 19, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
5.49%
Up to 75 Months
View
▼
APR5.49%
TermUp to 75 Months
Last UpdatedApr 19, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto (2018 or older)
5.99%
Up to 60 Months
View
▼
APR5.99%
TermUp to 60 Months
Last UpdatedApr 19, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
6.49%
Up to 84 Months
View
▼
APR6.49%
TermUp to 84 Months
Last UpdatedApr 19, 2026
Details

Amherst, NH Auto Loan Rate Trends

Compare local Amherst, NH 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.

View Full New Hampshire Auto Trends →
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 Amherst, 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 Amherst, 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 Amherst, 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 Amherst, New Hampshire?

Based on our current data, some of the lowest auto loan rates available in Amherst, 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 Amherst, New Hampshire. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 19, 2026

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