Credit union · NCUA insured
Blackstone River FCU Auto Loan Rates
Blackstone River FCU auto loans start at 4.75% APR for a new vehicle and 4.25% for a used one. Rates checked October 15, 2026.
How Blackstone River FCU’s auto loan rates compare
Compared with banks and credit unions near Providence, RI-MA, where Blackstone River FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Blackstone River FCU
4.75%APR
- Terms
- up to 84 months
New Auto Loan
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
Blackstone River FCU auto loan score
89
Auto loan score
Higher than 89% of U.S. banks and credit unions
- New vehicleNew4.75%
- Used vehicleUsed4.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Blackstone River FCU ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New Auto Loan
Up to $75,000 maximum loan amount. Payments as low as $14.02 per thousand. Rates and loan availability subject to change without notice. Credit worthiness, length of loan, and collateral value determine actual rate. Membership eligibility required.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.75% | Fixed rate as low as 4.75% APR for terms up to 7 years (84 months). Maximum loan amount up to $75,000. |
| up to 84 months | 4.75% | Advertised 4.75% APR is for a New Auto Loan at a maximum 7-year term. Subject to credit approval; rate reflects 0.25% off qualifying rate if paid through payroll deduction or automatic transfer. |
Sources (3)
- blackstoneriverfcu.org/new-auto-loan-marketing-page
- blackstoneriverfcu.org/new-auto-loan
- blackstoneriverfcu.org/new-aut…oan-marketing-page-02-22
All captured Oct 15, 2026
Re-Finance Auto Loan From Another Lender
Earn 1%, up to $300, when you re-finance your auto loan with us from another lender. Subject to credit approval and membership eligibility.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.25% | New auto refinance up to $70,000. Fixed rate as low as 4.25% APR for maximum 7 years (84 months). Payments as low as $13.79 per thousand. |
| up to 72 months | 4.25% | Used auto refinance up to $70,000. Fixed rate as low as 4.25% APR. Term varies depending on vehicle age with a maximum of 72 months. Payments as low as $15.16 per thousand. |
Sources (2)
- blackstoneriverfcu.org/re-fina…loan-from-another-lender
- blackstoneriverfcu.org/refinan…auto-loan-marketing-page
All captured Oct 15, 2026
Used Auto Loan
Maximum loan amount up to $70,000. Terms vary by age of vehicle with a maximum of 72 months. Payments as low as $15.76 per thousand. Membership eligibility required.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.25% | Fixed rate as low as 4.25% APR. Terms vary by age of vehicle with a maximum of 72 months. Maximum loan amount up to $70,000. |
| up to 72 months | 4.75% | Advertised 4.75% APR is for a Used Auto Loan at a maximum 6-year term based on model age. Subject to credit approval; rate reflects 0.25% off qualifying rate if paid through payroll deduction or automatic transfer. |
Sources (3)
- blackstoneriverfcu.org/used-auto-loan-marketing-page
- blackstoneriverfcu.org/used-auto-loan
- blackstoneriverfcu.org/new-aut…oan-marketing-page-02-22
All captured Oct 15, 2026
Who can join Blackstone River FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in Burrillville, Central Falls, Cumberland, Foster, Glocester, Lincoln, North Providence, North Smithfield, Pawtucket, Scituate, Smithfield, or Woonsocket, Rhode Island.
Membership information collected October 4, 2026.