Bank · FDIC insured
Charles River Bank Auto Loan Rates
Charles River Bank auto loans start at 7.25% APR for a new vehicle and 7.25% for a used one. Rates checked October 15, 2026.
How Charles River Bank’s auto loan rates compare
Compared with banks and credit unions near Boston, MA-NH, where Charles River Bank has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
Charles River Bank
7.25%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Auto Loan (2025-2026)
Lowest rate
Chelsea Employees Federal Credit Union
3.99%APR
- Terms
- up to 72 months
- Discount
- None included
2nd-lowest rate
Hanscom Federal Credit Union
3.99%APR
- Terms
- up to 66 months
- Discount
- None included
Charles River Bank auto loan score
61
Auto loan score
Higher than 4% of U.S. banks and credit unions
- New vehicleNew7.25%
- Used vehicleUsed7.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Charles River 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 Loan (2020-2024)
Rates are lowest available for term and collateral type listed, based on creditworthiness. Subject to credit approval. 10% down payment required. Auto insurance required. APR is .50% higher without autopay from a Charles River Bank deposit account.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 7.50% | Model Year 2020-2024. Monthly Payment per $1000 Borrowed is $45.00. With autopay from a Charles River Bank deposit account. |
| up to 36 months | 7.75% | Model Year 2020-2024. Monthly Payment per $1000 Borrowed is $31.22. With autopay from a Charles River Bank deposit account. |
| up to 48 months | 8.00% | Model Year 2020-2024. Monthly Payment per $1000 Borrowed is $24.41. With autopay from a Charles River Bank deposit account. |
| up to 60 months | 8.25% | Model Year 2020-2024. Monthly Payment per $1000 Borrowed is $20.40. With autopay from a Charles River Bank deposit account. |
Sources (1)
- charlesriverbank.com/loan-rates · captured Oct 7, 2026
Auto Loan (2025-2026)
Rates are lowest available for term and collateral type listed, based on creditworthiness. Subject to credit approval. 10% down payment required. Auto insurance required. APR is .50% higher without autopay from a Charles River Bank deposit account.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 6.50% | Model Year 2025-2026. Monthly Payment per $1000 Borrowed is $44.55. With autopay from a Charles River Bank deposit account. |
| up to 36 months | 6.75% | Model Year 2025-2026. Monthly Payment per $1000 Borrowed is $30.76. With autopay from a Charles River Bank deposit account. |
| up to 48 months | 6.99% | Model Year 2025-2026. Monthly Payment per $1000 Borrowed is $23.94. With autopay from a Charles River Bank deposit account. |
| up to 60 months | 7.25% | Model Year 2025-2026. Monthly Payment per $1000 Borrowed is $19.92. With autopay from a Charles River Bank deposit account. |
| up to 72 months | 7.50% | Model Year 2025-2026. Monthly Payment per $1000 Borrowed is $17.29. With autopay from a Charles River Bank deposit account. |
Sources (1)
- charlesriverbank.com/loan-rates · captured Oct 7, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.