Auto Loan Rates in Manchester, New Hampshire (NH) for April 2026
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Brian McKay
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Editorial Disclosure
Brian McKay
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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 Manchester, New Hampshire. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Manchester, 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 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.
Manchester has 1 local institution in our database, with auto loan rates as low as 4.39% APR from Granite State Credit Union at 1415 Elm St, Manchester, NH, 03101 1325. 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 Manchester, New Hampshire. Auto Loan Rates Last Updated and Verified: April 19, 2026
Compare Auto Loan Rates Today in Manchester, 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%
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
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
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
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
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
4.64%
Up to 63 Months
▼
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
▼
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
▼
APR5.14%
TermUp to 75 Months
Last UpdatedApr 19, 2026
Details
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
▼
APR5.49%
TermUp to 75 Months
Last UpdatedApr 19, 2026
Details
APR5.50%
Term60 Months
Last UpdatedApr 17, 2026
Details
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
▼
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
▼
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
▼
APR6.49%
TermUp to 84 Months
Last UpdatedApr 19, 2026
Details
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
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
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
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
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
4.64%
Up to 63 Months
▼
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
▼
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
▼
APR6.14%
TermUp to 84 Months
Last UpdatedApr 19, 2026
Details
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
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
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
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
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%
Used Auto1
5.49%
Up to 75 Months
▼
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
▼
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
▼
APR6.49%
TermUp to 84 Months
Last UpdatedApr 19, 2026
Details
Powered by
MonitorBankRates
Manchester, NH Auto Loan Rate Trends
Compare local Manchester, 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.
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 Manchester, 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 Manchester, 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 Manchester, 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 Manchester, New Hampshire?
Based on our current data, some of the lowest auto loan rates available in Manchester, 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 Manchester, New Hampshire. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 19, 2026
Rate Assistant
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