Bank · FDIC insured
Mascoma Bank Auto Loan Rates
Mascoma Bank auto loans start at 8.02% APR for a new vehicle and 8.32% for a used one. Rates checked October 22, 2026.
How Mascoma Bank’s auto loan rates compare
Compared with banks and credit unions near Lebanon, NH-VT, where Mascoma Bank has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
Mascoma Bank
8.02%APR
- Terms
- up to 60 months
- Discount
- None included
Auto Loans
Lowest rate
Service Credit Union
4.74%APR
- Terms
- —
- Discount
- Included in the rate
2nd-lowest rate
Heritage Family Credit Union
4.99%APR
- Terms
- up to 60 months
- Discount
- None included
Mascoma Bank auto loan score
60
Auto loan score
Higher than 1% of U.S. banks and credit unions
- New vehicleNew8.02%
- Used vehicleUsed8.32%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Mascoma 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 Loans
VSI (Vendor Single Interest Insurance) is required when loan amount is greater than $2,000 (fee is $50.00). APR is based on a $5,000 loan and includes a one-time processing fee of $99.00. Subject to Mascoma Bank Underwriting Guidelines. Classic Collector programs available for vehicles 15 years and older.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 8.02% | Model years 2025-2026. Payment per $1,000 financed is $19.89. APR based on $5,000 loan and includes one-time processing fee of $99.00. VSI fee of $50.00 required if loan > $2,000. |
| up to 60 months | 8.32% | Model years 2024-2025. Payment per $1,000 financed is $20.03. APR based on $5,000 loan and includes one-time processing fee of $99.00. VSI fee of $50.00 required if loan > $2,000. |
| up to 60 months | 8.62% | Model years 2022-2023. Payment per $1,000 financed is $20.18. APR based on $5,000 loan and includes one-time processing fee of $99.00. VSI fee of $50.00 required if loan > $2,000. |
| up to 48 months | 9.11% | Model years 2020-2021. Payment per $1,000 financed is $24.46. APR based on $5,000 loan and includes one-time processing fee of $99.00. VSI fee of $50.00 required if loan > $2,000. |
| up to 36 months | 14.66% | Model years 2019 and older. Payment per $1,000 financed is $33.83. APR based on $5,000 loan and includes one-time processing fee of $99.00. VSI fee of $50.00 required if loan > $2,000. |
Sources (1)
- mascoma.bank/personal-banking/loans/personal-loans · captured Oct 22, 2026
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