Vermont Best Auto Loan Rates - September 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current auto loan rates in Vermont include Vermont Federal Credit UnionVermont Federal Credit Union84 Pine St, Burlington, VT, 05401 4441A+5.0 ★Texas Ratio: 3.55% offering Electric/Hybrid Auto Loan at 4.40%, EastRise Credit UnionEastRise Credit Union141 Harvest Ln, Williston, VT, 05495 7331A+5.0 ★Texas Ratio: 3.19% offering Green Vehicle Loan at 4.60%, Northfield Savings BankNorthfield Savings Bank33 S Main St, Northfield, VT, 05663A+5.0 ★Texas Ratio: 3.85% offering Business New Auto Loan at 4.62%, ORLEX Government Employees Credit UnionORLEX Government Employees Credit Union5043 US Route 5, Newport, VT, 05855 4543A+5.0 ★Texas Ratio: 5.36% offering New Auto Loan at 5.00%, Central Vermont Medical Centerinc CUCentral Vermont Medical Centerinc CU130 Fisher Rd, Berlin, VT, 05602A+5.0 ★Texas Ratio: 5.85% offering OTHER TITLED VEHICLES - NEW Loan at 5.00%. Auto loan rates as of September 21, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across Vermont side-by-side. Vermont auto loan rates currently start as low as 4.40% APR from Vermont Federal Credit Union at 84 Pine St, Burlington, VT, 05401 4441. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Vermont. Auto Loan Rates Last Updated and Verified: September 21, 2026
Compare Auto Loan Rates Today in Vermont
Vermont Auto Loan Rates
Model Year: Up to 10 model years old
Model Year: Up to 10 model years old
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Model Year: Up to 4 model years old
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Model Year: Up to 10 model years old
Term: 24 months (2011-2026)
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Model Year: Up to 3 model years old (Minimum $15K)
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Model Year: Up to 10 model years old
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Model Year: Up to 5 model years old
Term: 36 months (2011-2026)
Term: 24 months (2011-2026)
APR as low as
Model Year: Up to 4 model years old
Down Payment: 0%
Down Payment: 0%
Year: 2020-2026
Term: 48 months (2020-2026)
Term: 60 months (2021-2026)
Term: 36 months (2011-2026)
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Model Year: Up to 3 model years old (Minimum $15K)
Model Year: Up to 2 model years old (Minimum $25K)
Down Payment: 10%
Down Payment: 10%
Rate examples are based on a FICO score of 730 or higher, 60 month term, having 10% down payment, with Member Rewards. Lower rates may apply for terms less than 60 months. Does not include insurances.
Term: 48 months (2020-2026)
Year: 2020-2026
APR as low as
Down Payment: 10%
Down Payment: 10%
Year: 2020-2026
As low as 5.99%**
Rate examples are based on a FICO score of 730 or higher, 60 month term, having 10% down payment, with Member Rewards. Lower rates may apply for terms less than 60 months. Does not include insurances.
Term: 72 months (2023-2026)
Term: 60 months (2021-2026)
As low as
APR based on 60 months and $45,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
APR based on 60 months and $30,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
Model Year: Up to 2 model years old (Minimum $25K)
Down Payment: 10%
Down Payment: 10%
Published APR range: 6.14-9.65%*; Published rate range: 6.00-9.50%. Maximum Loan-to-Value: 100%
Rate examples are based on a FICO score of 730 or higher, 60 month term, having 10% down payment, with Member Rewards. Lower rates may apply for terms less than 60 months. Does not include insurances.
Term: 72 months (2023-2026)
APR as low as
Published APR range: 6.36-9.62%*; Published rate range: 6.25-9.50%. Maximum Loan-to-Value: 100%
As low as 6.49%**
Rate examples are based on a FICO score of 730 or higher, 60 month term, having 10% down payment, with Member Rewards. Lower rates may apply for terms less than 60 months. Does not include insurances.
Published APR range: 6.59-10.10%*; Published rate range: 6.50-10.00%. Maximum Loan-to-Value: 100%
Down Payment: 10%
Down Payment: 10%
Term: 84 months (2024-2026)
Published APR range: 6.83-10.33%*; Published rate range: 6.75-10.25%. Maximum Loan-to-Value: 100%
Year: 2020-2026
Term: 84 months (2024-2026)
Model Year: New Only (Min $35K)
Model Year: New Only (Minimum $35K)
Lowest APR available on approved credit. Your actual APR may vary. The APR is based on borrower credit profile (as reported to NBT Bank by an outside reporting agency), collateral type, loan amount, term, lien position, and loan to value ratio. APR shown is current as of 09/18/2026 and is subject to change. Rates assume payments will be automatically deducted from an NBT Bank checking or money market account. Add .50% to the rate if the automatic payment feature is not selected. To qualify for this rate, the minimum loan amount is $5,000, minimum credit score is 730, and maximum term is 48 months. Call 800-628-2265 for the actual APR for your loan. NBT Bank loans are only available in Connecticut, Maine, Massachusetts, New Hampshire, New York, Pennsylvania and Vermont. On a $15,000 loan, the payment would be $364.58 per month for 48 months with a 7.77% APR.
Lowest APR available on approved credit. Your actual APR may vary. The APR is based on borrower credit profile (as reported to NBT Bank by an outside reporting agency), collateral type, loan amount, term, lien position, and loan to value ratio. APR shown is current as of 09/18/2026 and is subject to change. Rates assume payments will be automatically deducted from an NBT Bank checking or money market account. Add .50% to the rate if the automatic payment feature is not selected. To qualify for this rate, the minimum loan amount is $5,000, minimum credit score is 730, and maximum term is 48 months. Call 800-628-2265 for the actual APR for your loan. NBT Bank loans are only available in Connecticut, Maine, Massachusetts, New Hampshire, New York, Pennsylvania and Vermont. On a $15,000 loan, the payment would be $364.58 per month for 48 months with a 7.77% APR.
Year: New Only*
Published APR range: 8.24 - 12.30%**; Published rate range: 7.00-11.00%. Maximum Loan-to-Value: 100%
Published APR range: 8.46 - 12.52%**; Published rate range: 7.00-11.00%. Maximum Loan-to-Value: 100%
Published APR range: 8.71 - 14.30%**; Published rate range: 7.25-12.75%. Maximum Loan-to-Value: 100%
Published APR range: 9.55 - 14.89%**; Published rate range: 7.75-13.00%. Maximum Loan-to-Value: 90%
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Published APR range: 11.37 - 15.69%**; Published rate range: 9.00-13.25%. Maximum Loan-to-Value: 90%
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Vermont New Auto Auto Loan Rates
Down Payment: 0%
Down Payment: 0%
Down Payment: 0%
Down Payment: 0%
Term: 24 months (2011-2026)
As low as
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Down Payment: 0%
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Term: 36 months (2011-2026)
Down Payment: 0%
Down Payment: 0%
Term: 48 months (2020-2026)
Term: 60 months (2021-2026)
As low as
Rate examples are based on a FICO score of 730 or higher, 60 month term, having 10% down payment, with Member Rewards. Lower rates may apply for terms less than 60 months. Does not include insurances.
As low as 5.99%**
Rate examples are based on a FICO score of 730 or higher, 60 month term, having 10% down payment, with Member Rewards. Lower rates may apply for terms less than 60 months. Does not include insurances.
Term: 72 months (2023-2026)
APR based on 60 months and $45,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
Published APR range: 6.14-9.65%*; Published rate range: 6.00-9.50%. Maximum Loan-to-Value: 100%
Rate examples are based on a FICO score of 730 or higher, 60 month term, having 10% down payment, with Member Rewards. Lower rates may apply for terms less than 60 months. Does not include insurances.
Published APR range: 6.36-9.62%*; Published rate range: 6.25-9.50%. Maximum Loan-to-Value: 100%
As low as 6.49%**
Rate examples are based on a FICO score of 730 or higher, 60 month term, having 10% down payment, with Member Rewards. Lower rates may apply for terms less than 60 months. Does not include insurances.
Published APR range: 6.59-10.10%*; Published rate range: 6.50-10.00%. Maximum Loan-to-Value: 100%
Term: 84 months (2024-2026)
Published APR range: 6.83-10.33%*; Published rate range: 6.75-10.25%. Maximum Loan-to-Value: 100%
Model Year: New Only (Minimum $35K)
Lowest APR available on approved credit. Your actual APR may vary. The APR is based on borrower credit profile (as reported to NBT Bank by an outside reporting agency), collateral type, loan amount, term, lien position, and loan to value ratio. APR shown is current as of 09/18/2026 and is subject to change. Rates assume payments will be automatically deducted from an NBT Bank checking or money market account. Add .50% to the rate if the automatic payment feature is not selected. To qualify for this rate, the minimum loan amount is $5,000, minimum credit score is 730, and maximum term is 48 months. Call 800-628-2265 for the actual APR for your loan. NBT Bank loans are only available in Connecticut, Maine, Massachusetts, New Hampshire, New York, Pennsylvania and Vermont. On a $15,000 loan, the payment would be $364.58 per month for 48 months with a 7.77% APR.
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Vermont Used Auto Auto Loan Rates
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As low as
Term: 24 months (2011-2026)
Term: 36 months (2011-2026)
As low as
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As low as
As low as
Down Payment: 10%
Rate examples are based on a FICO score of 730 or higher, 60 month term, having 10% down payment, with Member Rewards. Lower rates may apply for terms less than 60 months. Does not include insurances.
Term: 48 months (2020-2026)
Down Payment: 10%
As low as 5.99%**
Rate examples are based on a FICO score of 730 or higher, 60 month term, having 10% down payment, with Member Rewards. Lower rates may apply for terms less than 60 months. Does not include insurances.
Term: 60 months (2021-2026)
As low as
APR based on 60 months and $30,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
Down Payment: 10%
Rate examples are based on a FICO score of 730 or higher, 60 month term, having 10% down payment, with Member Rewards. Lower rates may apply for terms less than 60 months. Does not include insurances.
Term: 72 months (2023-2026)
As low as 6.49%**
Rate examples are based on a FICO score of 730 or higher, 60 month term, having 10% down payment, with Member Rewards. Lower rates may apply for terms less than 60 months. Does not include insurances.
Down Payment: 10%
Term: 84 months (2024-2026)
Lowest APR available on approved credit. Your actual APR may vary. The APR is based on borrower credit profile (as reported to NBT Bank by an outside reporting agency), collateral type, loan amount, term, lien position, and loan to value ratio. APR shown is current as of 09/18/2026 and is subject to change. Rates assume payments will be automatically deducted from an NBT Bank checking or money market account. Add .50% to the rate if the automatic payment feature is not selected. To qualify for this rate, the minimum loan amount is $5,000, minimum credit score is 730, and maximum term is 48 months. Call 800-628-2265 for the actual APR for your loan. NBT Bank loans are only available in Connecticut, Maine, Massachusetts, New Hampshire, New York, Pennsylvania and Vermont. On a $15,000 loan, the payment would be $364.58 per month for 48 months with a 7.77% APR.
Published APR range: 8.24 - 12.30%**; Published rate range: 7.00-11.00%. Maximum Loan-to-Value: 100%
Published APR range: 8.46 - 12.52%**; Published rate range: 7.00-11.00%. Maximum Loan-to-Value: 100%
Published APR range: 8.71 - 14.30%**; Published rate range: 7.25-12.75%. Maximum Loan-to-Value: 100%
Published APR range: 9.55 - 14.89%**; Published rate range: 7.75-13.00%. Maximum Loan-to-Value: 90%
Published APR range: 11.37 - 15.69%**; Published rate range: 9.00-13.25%. Maximum Loan-to-Value: 90%
As Low As
Vermont Auto Loan Rate Trends
Compare local Vermont 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.
Vermont new auto rates rose 0.029 points over the past 7 days to 5.458% APR.
Vermont used auto rates fell 2.298 points over the past 7 days to 7.670% APR.
Vermont Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Vermont figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Vermont APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.46% APR VT average | Used Auto @ 7.67% APR VT average | Monthly Difference |
|---|---|---|---|
| $15,000 | $286.22/mo | $301.78/mo | $15.56/mo |
| $25,000 | $477.04/mo | $502.97/mo | $25.93/mo |
| $35,000 | $667.86/mo | $704.16/mo | $36.30/mo |
| $45,000 | $858.67/mo | $905.35/mo | $46.68/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in Vermont
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Vermont locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Vermont. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
- Saving up for a bigger down payment: park it in a Vermont high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Vermont CD rates lock in a guaranteed return until you’re ready to buy
Vermont Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $572 monthly car payment works out to roughly 15.0% of the median individual income in Vermont. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15–20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Vermont, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1–3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0–2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Vermont. We’ve prefilled the APR with today’s VT new-auto average, or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Vermont 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 Vermont 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 Vermont. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in VT.
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 Vermont
How does my credit score affect my car loan rate in Vermont?
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?
Should I get preapproved for an auto loan before visiting a dealer in Vermont?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
What are the best Auto Loan rates in Vermont?
- Vermont Federal Credit Union: 4.40% (Electric/Hybrid Auto Loan)
- EastRise Credit Union: 4.60% (Green Vehicle Loan)
- Northfield Savings Bank: 4.62% (Business New Auto Loan)
- ORLEX Government Employees Credit Union: 5.00% (New Auto Loan)
- Central Vermont Medical Centerinc CU: 5.00% (OTHER TITLED VEHICLES - NEW Loan)
Auto Loan Rates by City in Vermont
