Bank · FDIC insured
The Savings Bank Auto Loan Rates
The Savings Bank auto loans start at 7.50% APR for a new vehicle and 8.75% for a used one. Rates checked October 15, 2026.
How The Savings Bank’s auto loan rates compare
Compared with banks and credit unions near Boston, MA-NH, where The Savings Bank has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
The Savings Bank
7.50%APR
- Terms
- up to 60 months
New Auto
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
The Savings Bank auto loan score
60
Auto loan score
Higher than 2% of U.S. banks and credit unions
- New vehicleNew7.50%
- Used vehicleUsed8.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where The Savings 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
Maximum loan amount $50,000. Model Year 2026 with 500 miles or less. Rate discount of .25% with automatic payment from a TSB checking or statement savings account. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 7.00% | Model Year 2026 with 500 miles or less. Down payment 0%. Monthly payment $23.95 per $1,000 borrowed. Additional .25% off with automatic payment from a TSB checking or statement savings account. |
| up to 60 months | 7.50% | Model Year 2026 with 500 miles or less. Down payment 0%. Monthly payment $20.04 per $1,000 borrowed. Additional .25% off with automatic payment from a TSB checking or statement savings account. |
| up to 72 months | 8.00% | Model Year 2026 with 500 miles or less. Down payment 0%. Monthly payment $17.53 per $1,000 borrowed. Additional .25% off with automatic payment from a TSB checking or statement savings account. |
Sources (2)
All captured Oct 5, 2026
Used Auto
Maximum loan amount $30,000 (NADA Retail Value, or Purchase Price whichever is less). Model years 2022 - 2025. Rate discount of .25% with automatic payment from a TSB checking or statement savings account. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 8.50% | Model years 2022 - 2025. Down payment 0%. Monthly payment $24.65 per $1,000 borrowed. Additional .25% off with automatic payment from a TSB checking or statement savings account. Maximum loan amount $30,000 (NADA Retail Value, or Purchase Price whichever is less). |
| up to 60 months | 8.75% | Model years 2022 - 2025. Down payment 0%. Monthly payment $20.64 per $1,000 borrowed. Additional .25% off with automatic payment from a TSB checking or statement savings account. Maximum loan amount $30,000 (NADA Retail Value, or Purchase Price whichever is less). |
Sources (2)
All captured Oct 5, 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.