Bank · FDIC insured
Shoreham Bank Auto Loan Rates
Top CarrotShoreham Bank auto loans start at 3.99% APR for a new vehicle and 3.99% for a used one. Rates checked October 22, 2026.
How Shoreham Bank’s auto loan rates compare
Compared with banks and credit unions near Providence, RI-MA, where Shoreham Bank has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
Shoreham Bank
3.99%APR
- Terms
- up to 78 months
Auto Loans
2nd-lowest rate
St. Anthony of Padua FCU
3.99%APR
- Terms
- up to 72 months
3rd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
Shoreham Bank auto loan score
94
Auto loan score
Higher than 96% of U.S. banks and credit unions
- New vehicleNew3.99%
- Used vehicleUsed3.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Shoreham 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
New and used auto financing with no year, make, or mileage restrictions. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 78 months | 3.99% | Available on 2026 model year and newer vehicles with terms up to 78 months. Requires a minimum FICO score of 760. Subject to credit approval. |
| up to 100 months | 6.99% | 100-month term available on 2026 model year and newer vehicles only. Minimum rate of 6.99% APR applies. Requires a minimum FICO score of 760. Subject to credit approval. |
Sources (2)
All captured Oct 7, 2026
Opening an account
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