Bank · FDIC insured
Coastal Heritage Bank Auto Loan Rates
Coastal Heritage Bank auto loans start at 6.50% APR for a new vehicle and 7.25% for a used one. Rates checked October 15, 2026.
How Coastal Heritage Bank’s auto loan rates compare
Compared with banks and credit unions near Boston, MA-NH, where Coastal Heritage Bank has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
Coastal Heritage Bank
6.50%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
New Auto Loan
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
Coastal Heritage Bank auto loan score
62
Auto loan score
Higher than 5% of U.S. banks and credit unions
- New vehicleNew6.50%
- 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 Coastal Heritage 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.
New Auto Loan
New vehicles (never titled) will be financed at 95% of sale price or 95% of MSRP (whichever is less). Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.75% | Standard APR without auto-pay discount. |
| up to 60 months | 6.50% | Reduced APR includes a 0.25% discount with Direct Deposit and Auto Pay (authorizing Coastal Heritage Bank to automatically deduct minimum payment from a Coastal Heritage checking account). |
| 61–72 months | 7.25% | Standard APR without auto-pay discount. |
| 61–72 months | 7.00% | Reduced APR includes a 0.25% discount with Direct Deposit and Auto Pay (authorizing Coastal Heritage Bank to automatically deduct minimum payment from a Coastal Heritage checking account). |
Sources (2)
All captured Oct 7, 2026
Used Auto Loan
Used (current and prior six model years) or refinanced vehicles will be financed at 95% of Sale Price or 95% of NADA Clean Retail Value (whichever is less). Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.50% | Standard APR without auto-pay discount. |
| up to 60 months | 7.25% | Reduced APR includes a 0.25% discount with Direct Deposit and Auto Pay (authorizing Coastal Heritage Bank to automatically deduct minimum payment from a Coastal Heritage checking account). |
Sources (2)
All 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.