Bank · FDIC insured
Avidia Bank Auto Loan Rates
Top CarrotAvidia Bank auto loans start at 7.00% APR for a new vehicle and 7.00% for a used one. Rates checked October 15, 2026.
How Avidia Bank’s auto loan rates compare
Compared with banks and credit unions near Boston, MA-NH, where Avidia Bank has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
Avidia Bank
7.00%APR
- Terms
- up to 60 months
Auto Loans
Lowest rate
Chelsea Employees Federal Credit Union
3.99%APR
- Terms
- up to 72 months
2nd-lowest rate
Hanscom Federal Credit Union
3.99%APR
- Terms
- up to 66 months
Avidia Bank auto loan score
62
Auto loan score
Higher than 5% of U.S. banks and credit unions
- New vehicleNew7.00%
- Used vehicleUsed7.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Avidia Bank ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loans
All Auto loans are subject to a $20 Vendors Single Interest (VSI) insurance fee. An Insurance Binder naming Avidia Bank as loss payee is required prior to or at closing. Subject to credit approval. Loan to value is based on the NADA retail value or purchase price (whichever is less). Rates reflect a 0.50% discount for automatic payment from an Avidia Bank checking account; an additional 0.25% discount may apply for Bank At Work account customers. Actual APR available based on credit history and payment method.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.00% | Model Year 2026-2024. Maximum Loan to Value (LTV) 100%. Monthly payment per $1,000 is $19.80. APR reflects 0.50% discount for automatic payment from an Avidia Bank checking account; an additional 0.25% discount may apply for Bank At Work account customers. |
| up to 60 months | 7.50% | Model Year 2023-2021. Maximum Loan to Value (LTV) 90%. Monthly payment per $1,000 is $20.04. APR reflects 0.50% discount for automatic payment from an Avidia Bank checking account; an additional 0.25% discount may apply for Bank At Work account customers. |
| up to 60 months | 8.50% | Model Year 2020-2019. Maximum Loan to Value (LTV) 90%. Monthly payment per $1,000 is $20.52. APR reflects 0.50% discount for automatic payment from an Avidia Bank checking account; an additional 0.25% discount may apply for Bank At Work account customers. |
| up to 48 months | 9.00% | Model Year 2018 & older. Maximum Loan to Value (LTV) 80%. Monthly payment per $1,000 is $24.89. APR reflects 0.50% discount for automatic payment from an Avidia Bank checking account; an additional 0.25% discount may apply for Bank At Work account customers. |
Sources (3)
- avidiabank.com/consumer-loan-rates-page
- avidiabank.com/personal/auto-loans
- avidiabank.com/personal/loans
All captured Oct 7, 2026
Opening an account
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