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Auto Loan Rates in Montpelier, Vermont (VT) for April 2026

Content reviewed by
Brian McKay Brian McKay
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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 Montpelier, Vermont. 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 23, 2026

Current auto loan rates in Montpelier, Vermont include North Country Federal Credit UnionNorth Country Federal Credit Union1 National Life Dr, Montpelier, VT, 05602 3377A5.0 ★Texas Ratio: 7.37% offering New/Used Vehicles with Titles at 4.83%, Northfield Savings BankNorthfield Savings Bank100 State St, Montpelier, VT, 05602A+5.0 ★Texas Ratio: 4.01% offering New Auto Loan at 5.50%, ORLEX Government Employees Credit UnionORLEX Government Employees Credit UnionA5.0 ★Texas Ratio: 11.17% offering Autos Loans New at 3.50%, TrustCo BankTrustCo BankA+5.0 ★Texas Ratio: 3.16% offering Auto Loans: New Vehicle at 4.99%, Credit Union of Vermont Credit UnionCredit Union of Vermont Credit UnionA+5.0 ★Texas Ratio: 0.16% offering New Vehicle at 5.05%. Auto loan rates as of April 23, 2026 according to verified data from MonitorBankRates.

Montpelier has 2 local institutions in our database, with auto loan rates as low as 4.83% APR from North Country Federal Credit Union at 1 National Life Dr, Montpelier, VT, 05602 3377. 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 Montpelier, Vermont. Auto Loan Rates Last Updated and Verified: April 23, 2026

Compare Auto Loan Rates Today in Montpelier, Vermont & Surrounding Area

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
1 National Life Dr, Montpelier, VT, 05602 3377
New/Used Vehicles with Titles
4.83%
2 years
View
▼
APR4.83%
Term2 years
Last UpdatedApr 18, 2026
Details

As Low As

North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
1 National Life Dr, Montpelier, VT, 05602 3377
New/Used Vehicles with Titles
5.13%
3 years
View
▼
APR5.13%
Term3 years
Last UpdatedApr 18, 2026
Details

As Low As

North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
1 National Life Dr, Montpelier, VT, 05602 3377
New/Used Vehicles with Titles
5.18%
5 years
View
▼
APR5.18%
Term5 years
Last UpdatedApr 18, 2026
Details

As Low As

Northfield Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
100 State St, Montpelier, VT, 05602
New Auto Loan
5.50%
2 Months
View
▼
APR5.50%
Term2 Months
Last UpdatedApr 17, 2026
Details

North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
1 National Life Dr, Montpelier, VT, 05602 3377
New/Used Vehicles with Titles
5.53%
6 years
View
▼
APR5.53%
Term6 years
Last UpdatedApr 18, 2026
Details

As Low As

Northfield Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
100 State St, Montpelier, VT, 05602
New Auto Loan
5.75%
3 Months
View
▼
APR5.75%
Term3 Months
Last UpdatedApr 17, 2026
Details

Northfield Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
100 State St, Montpelier, VT, 05602
New Auto Loan
6.00%
4 Months
View
▼
APR6.00%
Term4 Months
Last UpdatedApr 17, 2026
Details

North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
1 National Life Dr, Montpelier, VT, 05602 3377
New/Used Vehicles with Titles
6.13%
7 years
View
▼
APR6.13%
Term7 years
Last UpdatedApr 18, 2026
Details

As Low As

Northfield Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
100 State St, Montpelier, VT, 05602
New Auto Loan
6.25%
5 Months
View
▼
APR6.25%
Term5 Months
Last UpdatedApr 17, 2026
Details

Northfield Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
100 State St, Montpelier, VT, 05602
1-3 Years Old Auto Loan
6.49%
3 Months
View
▼
APR6.49%
Term3 Months
Last UpdatedApr 17, 2026
Details

Northfield Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
100 State St, Montpelier, VT, 05602
New Auto Loan
6.50%
6 Months
View
▼
APR6.50%
Term6 Months
Last UpdatedApr 17, 2026
Details

Northfield Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
100 State St, Montpelier, VT, 05602
1-3 Years Old Auto Loan
6.74%
4 Months
View
▼
APR6.74%
Term4 Months
Last UpdatedApr 17, 2026
Details

Northfield Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
100 State St, Montpelier, VT, 05602
1-3 Years Old Auto Loan
6.99%
5 Months
View
▼
APR6.99%
Term5 Months
Last UpdatedApr 17, 2026
Details

Northfield Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
100 State St, Montpelier, VT, 05602
4-7 Years Old Auto Loan
6.99%
3 Months
View
▼
APR6.99%
Term3 Months
Last UpdatedApr 17, 2026
Details

North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
1 National Life Dr, Montpelier, VT, 05602 3377
New/Used Vehicles with Titles
10.38%
8 years
View
▼
APR10.38%
Term8 years
Last UpdatedApr 18, 2026
Details

As Low As

ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
Autos Loans New
3.50%
24 Months
View
▼
APR3.50%
Term24 Months
Last UpdatedApr 19, 2026
Details

ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
Autos Loans New
3.75%
36 Months
View
▼
APR3.75%
Term36 Months
Last UpdatedApr 19, 2026
Details

ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
Autos Loans Used
3.75%
24 Months
View
▼
APR3.75%
Term24 Months
Last UpdatedApr 19, 2026
Details

ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
Autos Loans New
4.00%
48 Months
View
▼
APR4.00%
Term48 Months
Last UpdatedApr 19, 2026
Details

ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
Autos Loans Used
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedApr 19, 2026
Details

ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
Autos Loans Used
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedApr 19, 2026
Details

ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
Autos Loans New
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedApr 19, 2026
Details

ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
Autos Loans Used
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedApr 19, 2026
Details

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loans: New Vehicle
4.99%
4 Years
View
▼
APR4.99%
Term4 Years
Last UpdatedApr 23, 2026
Details

Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
New Vehicle
5.05%
36 Months
View
▼
APR5.05%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As; 2023, 2024, 2025 models with 30,000 miles or less

Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
Used Vehicle
5.05%
36 Months
View
▼
APR5.05%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As; 2022 model or older, or any year with more than 30,000 miles

Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
Vehicle Loans
5.05%
36 month
View
▼
APR5.05%
Term36 month
Last UpdatedApr 19, 2026
Details

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loans: New Vehicle
5.25%
5 Years
View
▼
APR5.25%
Term5 Years
Last UpdatedApr 23, 2026
Details

Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
New Vehicle
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As; 2023, 2024, 2025 models with 30,000 miles or less

Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
Used Vehicle
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As; 2022 model or older, or any year with more than 30,000 miles

Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
Vehicle Loans
5.50%
60 month
View
▼
APR5.50%
Term60 month
Last UpdatedApr 19, 2026
Details

Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
New Vehicle
6.00%
72 Months
View
▼
APR6.00%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As; 2023, 2024, 2025 models with 30,000 miles or less

Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
Used Vehicle
6.00%
72 Months
View
▼
APR6.00%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As; 2022 model or older, or any year with more than 30,000 miles

Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
Vehicle Loans
6.00%
60 months
View
▼
APR6.00%
Term60 months
Last UpdatedApr 19, 2026
Details

As Low As

Wells River Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.56%
2023-2026 New Vehicles or Vehicles with <5000 MILES
6.00%
3 Years
View
▼
APR6.00%
Term3 Years
Last UpdatedApr 23, 2026
Details

ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
Autos Loans New
6.25%
84 Months
View
▼
APR6.25%
Term84 Months
Last UpdatedApr 19, 2026
Details

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loans: Used Vehicle
6.25%
5 Years
View
▼
APR6.25%
Term5 Years
Last UpdatedApr 23, 2026
Details

Wells River Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.56%
2023-2026 New Vehicles or Vehicles with <5000 MILES
6.25%
4 Years
View
▼
APR6.25%
Term4 Years
Last UpdatedApr 23, 2026
Details

ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
Autos Loans Used
6.50%
84 Months
View
▼
APR6.50%
Term84 Months
Last UpdatedApr 19, 2026
Details

Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
New Vehicle
6.50%
84 Months
View
▼
APR6.50%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; 2023, 2024, 2025 models with 30,000 miles or less

Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
Used Vehicle
6.50%
84 Months
View
▼
APR6.50%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; 2022 model or older, or any year with more than 30,000 miles

Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
Vehicle Loans
6.50%
72 Months
View
▼
APR6.50%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Wells River Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.56%
2023-2026 New Vehicles or Vehicles with <5000 MILES
6.50%
5 Years
View
▼
APR6.50%
Term5 Years
Last UpdatedApr 23, 2026
Details

Wells River Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.56%
2023-2026 New Vehicles or Vehicles with <5000 MILES
6.75%
6 Years
View
▼
APR6.75%
Term6 Years
Last UpdatedApr 23, 2026
Details

Vermont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.42%
New Auto
7.74%
96 Months
View
▼
APR7.74%
Term96 Months
Last UpdatedApr 18, 2026
Details

New Only (Minimum $35K)

Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
New Vehicle
8.24%
120 Months
View
▼
APR8.24%
Term120 Months
Last UpdatedApr 19, 2026
Details

As Low As; 2023, 2024, 2025 models with 30,000 miles or less

Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
Used Vehicle
8.24%
120 Months
View
▼
APR8.24%
Term120 Months
Last UpdatedApr 19, 2026
Details

As Low As; 2022 model or older, or any year with more than 30,000 miles

Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
Vehicle Loans
8.24%
120 Months
View
▼
APR8.24%
Term120 Months
Last UpdatedApr 19, 2026
Details

As Low As

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
1 National Life Dr, Montpelier, VT, 05602 3377
New/Used Vehicles with Titles
4.83%
2 years
View
▼
APR4.83%
Term2 years
Last UpdatedApr 18, 2026
Details

As Low As

North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
1 National Life Dr, Montpelier, VT, 05602 3377
New/Used Vehicles with Titles
5.13%
3 years
View
▼
APR5.13%
Term3 years
Last UpdatedApr 18, 2026
Details

As Low As

North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
1 National Life Dr, Montpelier, VT, 05602 3377
New/Used Vehicles with Titles
5.18%
5 years
View
▼
APR5.18%
Term5 years
Last UpdatedApr 18, 2026
Details

As Low As

Northfield Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
100 State St, Montpelier, VT, 05602
New Auto Loan
5.50%
2 Months
View
▼
APR5.50%
Term2 Months
Last UpdatedApr 17, 2026
Details

North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
1 National Life Dr, Montpelier, VT, 05602 3377
New/Used Vehicles with Titles
5.53%
6 years
View
▼
APR5.53%
Term6 years
Last UpdatedApr 18, 2026
Details

As Low As

Northfield Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
100 State St, Montpelier, VT, 05602
New Auto Loan
5.75%
3 Months
View
▼
APR5.75%
Term3 Months
Last UpdatedApr 17, 2026
Details

Northfield Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
100 State St, Montpelier, VT, 05602
New Auto Loan
6.00%
4 Months
View
▼
APR6.00%
Term4 Months
Last UpdatedApr 17, 2026
Details

North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
1 National Life Dr, Montpelier, VT, 05602 3377
New/Used Vehicles with Titles
6.13%
7 years
View
▼
APR6.13%
Term7 years
Last UpdatedApr 18, 2026
Details

As Low As

Northfield Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
100 State St, Montpelier, VT, 05602
New Auto Loan
6.25%
5 Months
View
▼
APR6.25%
Term5 Months
Last UpdatedApr 17, 2026
Details

Northfield Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
100 State St, Montpelier, VT, 05602
New Auto Loan
6.50%
6 Months
View
▼
APR6.50%
Term6 Months
Last UpdatedApr 17, 2026
Details

North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
1 National Life Dr, Montpelier, VT, 05602 3377
New/Used Vehicles with Titles
10.38%
8 years
View
▼
APR10.38%
Term8 years
Last UpdatedApr 18, 2026
Details

As Low As

ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
Autos Loans New
3.50%
24 Months
View
▼
APR3.50%
Term24 Months
Last UpdatedApr 19, 2026
Details

ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
Autos Loans New
3.75%
36 Months
View
▼
APR3.75%
Term36 Months
Last UpdatedApr 19, 2026
Details

ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
Autos Loans New
4.00%
48 Months
View
▼
APR4.00%
Term48 Months
Last UpdatedApr 19, 2026
Details

ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
Autos Loans New
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedApr 19, 2026
Details

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loans: New Vehicle
4.99%
4 Years
View
▼
APR4.99%
Term4 Years
Last UpdatedApr 23, 2026
Details

Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
New Vehicle
5.05%
36 Months
View
▼
APR5.05%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As; 2023, 2024, 2025 models with 30,000 miles or less

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loans: New Vehicle
5.25%
5 Years
View
▼
APR5.25%
Term5 Years
Last UpdatedApr 23, 2026
Details

Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
New Vehicle
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As; 2023, 2024, 2025 models with 30,000 miles or less

Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
New Vehicle
6.00%
72 Months
View
▼
APR6.00%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As; 2023, 2024, 2025 models with 30,000 miles or less

Wells River Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.56%
2023-2026 New Vehicles or Vehicles with <5000 MILES
6.00%
3 Years
View
▼
APR6.00%
Term3 Years
Last UpdatedApr 23, 2026
Details

ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
Autos Loans New
6.25%
84 Months
View
▼
APR6.25%
Term84 Months
Last UpdatedApr 19, 2026
Details

Wells River Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.56%
2023-2026 New Vehicles or Vehicles with <5000 MILES
6.25%
4 Years
View
▼
APR6.25%
Term4 Years
Last UpdatedApr 23, 2026
Details

Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
New Vehicle
6.50%
84 Months
View
▼
APR6.50%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; 2023, 2024, 2025 models with 30,000 miles or less

Wells River Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.56%
2023-2026 New Vehicles or Vehicles with <5000 MILES
6.50%
5 Years
View
▼
APR6.50%
Term5 Years
Last UpdatedApr 23, 2026
Details

Wells River Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.56%
2023-2026 New Vehicles or Vehicles with <5000 MILES
6.75%
6 Years
View
▼
APR6.75%
Term6 Years
Last UpdatedApr 23, 2026
Details

Vermont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.42%
New Auto
7.74%
96 Months
View
▼
APR7.74%
Term96 Months
Last UpdatedApr 18, 2026
Details

New Only (Minimum $35K)

Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
New Vehicle
8.24%
120 Months
View
▼
APR8.24%
Term120 Months
Last UpdatedApr 19, 2026
Details

As Low As; 2023, 2024, 2025 models with 30,000 miles or less

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
1 National Life Dr, Montpelier, VT, 05602 3377
New/Used Vehicles with Titles
4.83%
2 years
View
▼
APR4.83%
Term2 years
Last UpdatedApr 18, 2026
Details

As Low As

North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
1 National Life Dr, Montpelier, VT, 05602 3377
New/Used Vehicles with Titles
5.13%
3 years
View
▼
APR5.13%
Term3 years
Last UpdatedApr 18, 2026
Details

As Low As

North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
1 National Life Dr, Montpelier, VT, 05602 3377
New/Used Vehicles with Titles
5.18%
5 years
View
▼
APR5.18%
Term5 years
Last UpdatedApr 18, 2026
Details

As Low As

North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
1 National Life Dr, Montpelier, VT, 05602 3377
New/Used Vehicles with Titles
5.53%
6 years
View
▼
APR5.53%
Term6 years
Last UpdatedApr 18, 2026
Details

As Low As

North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
1 National Life Dr, Montpelier, VT, 05602 3377
New/Used Vehicles with Titles
6.13%
7 years
View
▼
APR6.13%
Term7 years
Last UpdatedApr 18, 2026
Details

As Low As

North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
1 National Life Dr, Montpelier, VT, 05602 3377
New/Used Vehicles with Titles
10.38%
8 years
View
▼
APR10.38%
Term8 years
Last UpdatedApr 18, 2026
Details

As Low As

ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
Autos Loans Used
3.75%
24 Months
View
▼
APR3.75%
Term24 Months
Last UpdatedApr 19, 2026
Details

ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
Autos Loans Used
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedApr 19, 2026
Details

ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
Autos Loans Used
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedApr 19, 2026
Details

ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
Autos Loans Used
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedApr 19, 2026
Details

Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
Used Vehicle
5.05%
36 Months
View
▼
APR5.05%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As; 2022 model or older, or any year with more than 30,000 miles

Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
Used Vehicle
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As; 2022 model or older, or any year with more than 30,000 miles

Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
Used Vehicle
6.00%
72 Months
View
▼
APR6.00%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As; 2022 model or older, or any year with more than 30,000 miles

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loans: Used Vehicle
6.25%
5 Years
View
▼
APR6.25%
Term5 Years
Last UpdatedApr 23, 2026
Details

ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
Autos Loans Used
6.50%
84 Months
View
▼
APR6.50%
Term84 Months
Last UpdatedApr 19, 2026
Details

Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
Used Vehicle
6.50%
84 Months
View
▼
APR6.50%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; 2022 model or older, or any year with more than 30,000 miles

Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
Used Vehicle
8.24%
120 Months
View
▼
APR8.24%
Term120 Months
Last UpdatedApr 19, 2026
Details

As Low As; 2022 model or older, or any year with more than 30,000 miles

Montpelier, VT Auto Loan Rate Trends

Compare local Montpelier, VT 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 Vermont Auto Trends →
New Auto Loan — VT Avg
6.220%
▲ 0.078 vs 7 days ago

Vermont new auto rates rose 0.078 points over the past 7 days to 6.220% APR.

Used Auto Loan — VT Avg
6.517%
▼ 0.050 vs 7 days ago

Vermont used auto rates fell 0.050 points over the past 7 days to 6.517% APR.

As of Apr 23, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about Auto Loans in Montpelier, Vermont

How does my credit score affect my car loan rate in Vermont?

Your credit score is the biggest factor determining your auto loan APR. Borrowers in Montpelier, Vermont 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 Vermont *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 Montpelier, Vermont 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 Montpelier, Vermont?

Based on our current data, some of the lowest auto loan rates available in Montpelier, Vermont include:
  • North Country Federal Credit Union: 4.83% (New/Used Vehicles with Titles)
  • Northfield Savings Bank: 5.50% (New Auto Loan)
  • ORLEX Government Employees Credit Union: 3.50% (Autos Loans New)
  • TrustCo Bank: 4.99% (Auto Loans: New Vehicle)
  • Credit Union of Vermont Credit Union: 5.05% (New Vehicle)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Montpelier, Vermont. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 23, 2026

Montpelier, Vermont Rates & Resources

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