Bank · FDIC insured
BayCoast Bank Auto Loan Rates
BayCoast Bank auto loans start at 7.75% APR for a new vehicle and 7.75% for a used one. Rates checked October 15, 2026.
How BayCoast Bank’s auto loan rates compare
Compared with banks and credit unions near Providence, RI-MA, where BayCoast Bank has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
BayCoast Bank
7.75%APR
- Terms
- up to 60 months
BayCoast Auto Loans
Lowest rate
Shoreham Bank
3.99%APR
- Terms
- up to 78 months
2nd-lowest rate
St. Anthony of Padua FCU
3.99%APR
- Terms
- up to 72 months
BayCoast Bank auto loan score
61
Auto loan score
Higher than 3% of U.S. banks and credit unions
- New vehicleNew7.75%
- Used vehicleUsed7.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where BayCoast 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.
BayCoast Auto Loans
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 7.25% | New Only (2025-2026 model years); 5% down payment required; 7.25% with autopay from BayCoast checking/savings; otherwise 0.25% higher; purchase or refinance only. |
| up to 48 months | 7.50% | New Only (2025-2026 model years); 5% down payment required; 7.50% with autopay from BayCoast checking/savings; otherwise 0.25% higher; purchase or refinance only. |
| up to 60 months | 7.75% | New Only (2025-2026 model years); 5% down payment required; 7.75% with autopay from BayCoast checking/savings; otherwise 0.25% higher; purchase or refinance only. |
| up to 72 months | 8.00% | New Only (2025-2026 model years); 5% down payment required; 8.00% with autopay from BayCoast checking/savings; otherwise 0.25% higher; purchase or refinance only. |
| up to 36 months | 7.50% | Used Only (2020+ model years); 10% down payment required; 7.50% with autopay from BayCoast checking/savings; otherwise 0.25% higher; purchase or refinance only. |
| up to 48 months | 7.75% | Used Only (2021+ model years); 10% down payment required; 7.75% with autopay from BayCoast checking/savings; otherwise 0.25% higher; purchase or refinance only. |
| up to 60 months | 8.00% | Used Only (2023+ model years); 10% down payment required; 8.00% with autopay from BayCoast checking/savings; otherwise 0.25% higher; purchase or refinance only. |
Sources (1)
- baycoast.bank/en/rates/loan-rates · captured Oct 15, 2026
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