Bank · FDIC insured
Harford Bank Auto Loan Rates
Harford Bank auto loans start at 7.09% APR for a new vehicle and 7.39% for a used one. Rates checked October 22, 2026.
How Harford Bank’s auto loan rates compare
Compared with banks and credit unions near Baltimore, MD, where Harford Bank has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
Harford Bank
7.09%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
New Car Loans
Lowest rate
LM Federal Credit Union
4.24%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
2nd-lowest rate
POCU of Maryland
4.29%APR
- Terms
- up to 72 months
- Discount
- None included
Harford Bank auto loan score
61
Auto loan score
Higher than 4% of U.S. banks and credit unions
- New vehicleNew7.09%
- Used vehicleUsed7.39%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Harford 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 Car Loans
Maximum loan amount is 95% of the value of the new auto. Rates and terms apply to auto loans made to consumers. Vehicles older than 7 years add 0.25% to posted rates.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.89% | To qualify for the Automatic Payment Interest Rate, monthly payments must be automatically transferred from a Harford Bank deposit account. APR computed based on a $25,000 loan. |
| up to 36 months | 7.14% | Standard rate. APR computed based on a $25,000 loan. |
| up to 48 months | 6.99% | To qualify for the Automatic Payment Interest Rate, monthly payments must be automatically transferred from a Harford Bank deposit account. APR computed based on a $25,000 loan. |
| up to 48 months | 7.24% | Standard rate. APR computed based on a $25,000 loan. |
| up to 60 months | 7.09% | To qualify for the Automatic Payment Interest Rate, monthly payments must be automatically transferred from a Harford Bank deposit account. APR computed based on a $25,000 loan. |
| up to 60 months | 7.34% | Standard rate. APR computed based on a $25,000 loan. |
| up to 72 months | 7.34% | To qualify for the Automatic Payment Interest Rate, monthly payments must be automatically transferred from a Harford Bank deposit account. APR computed based on a $25,000 loan for maximum term available. |
| up to 72 months | 7.59% | Standard rate. APR computed based on a $25,000 loan for maximum term available. |
Sources (1)
- harfordbank.com/Personal/Loans/Vehicle-Loans/Auto-Loans · captured Oct 7, 2026
Used Car Loans
Maximum loan amount is 90% of the value of a used auto. Rates and terms apply to auto loans made to consumers. Vehicles older than 7 years add 0.25% to posted rates.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 7.19% | To qualify for the Automatic Payment Interest Rate, monthly payments must be automatically transferred from a Harford Bank deposit account. APR computed based on a $25,000 loan. |
| up to 36 months | 7.44% | Standard rate. APR computed based on a $25,000 loan. |
| up to 48 months | 7.29% | To qualify for the Automatic Payment Interest Rate, monthly payments must be automatically transferred from a Harford Bank deposit account. APR computed based on a $25,000 loan. |
| up to 48 months | 7.54% | Standard rate. APR computed based on a $25,000 loan. |
| up to 60 months | 7.39% | To qualify for the Automatic Payment Interest Rate, monthly payments must be automatically transferred from a Harford Bank deposit account. APR computed based on a $25,000 loan for maximum term available. |
| up to 60 months | 7.64% | Standard rate. APR computed based on a $25,000 loan for maximum term available. |
Sources (1)
- harfordbank.com/Personal/Loans/Vehicle-Loans/Auto-Loans · 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.