Bank · FDIC insured
OneLocal Bank Auto Loan Rates
OneLocal Bank auto loans start at 12.50% APR for a new vehicle and 13.50% for a used one. Rates checked October 15, 2026.
How OneLocal Bank’s auto loan rates compare
Compared with banks and credit unions near Boston, MA-NH, where OneLocal Bank has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
OneLocal Bank
12.50%APR
- Terms
- up to 60 months
New Auto Loans
Lowest rate
Chelsea Employees Federal Credit Union
3.99%APR
- Terms
- up to 72 months
2nd-lowest rate
Hanscom Federal Credit Union
3.99%APR
- Terms
- up to 66 months
OneLocal Bank auto loan score
60
Auto loan score
Higher than 0% of U.S. banks and credit unions
- New vehicleNew12.50%
- Used vehicleUsed13.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where OneLocal 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 Loans
Requires a completed application, two most recent pay stubs (or tax returns if self-employed), purchase and sale agreement from the auto dealer (or copy of existing title for private sale), insurance binder at closing, and a 20% down payment.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 12.50% | — |
| up to 36 months | 12.50% | — |
| up to 48 months | 12.50% | — |
| up to 60 months | 12.50% | — |
Sources (1)
- onelocalbank.com/for-you/borrowing/personal-loans · captured Oct 7, 2026
Used Auto Loans
Requires a completed application, two most recent pay stubs (or tax returns if self-employed), purchase and sale agreement from the auto dealer (or copy of existing title for private sale), insurance binder at closing, and a 25% down payment.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 13.50% | — |
| up to 36 months | 13.50% | — |
| up to 48 months | 13.50% | — |
| up to 60 months | 13.50% | — |
Sources (1)
- onelocalbank.com/for-you/borrowing/personal-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.