Bank · FDIC insured
UniBank Auto Loan Rates
UniBank auto loans start at 6.50% APR for a new vehicle and 7.50% for a used one. Rates checked October 15, 2026.
How UniBank’s auto loan rates compare
Compared with banks and credit unions near Worcester, MA, where UniBank has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
UniBank
6.50%APR
- Terms
- up to 60 months
- Discount
- None included
Automobile Loans (new)
Lowest rate
Hanscom Federal Credit Union
3.99%APR
- Terms
- up to 66 months
- Discount
- None included
2nd-lowest rate
Leominster Employees Federal Credit Union
4.24%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
UniBank auto loan score
62
Auto loan score
Higher than 6% of U.S. banks and credit unions
- New vehicleNew6.50%
- Used vehicleUsed7.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where UniBank 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.
Automobile Loans (new)
Financing available up to 100% of the contracted purchase price or MSRP, whichever is less. A .25% reduction in rate is available at closing when signed up for auto deduction. Subject to credit approval. Other terms and conditions may apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.50% | Model Year 2025 - New. Max term 60 months. A .25% reduction in rate is available at closing when signed up for auto deduction. Financing available up to 100% of contracted purchase price or MSRP, whichever is less. Monthly payment example: $19.57 per $1,000. |
| up to 72 months | 7.00% | Model Year 2025 - New. 72 months for loans over $20,000. A .25% reduction in rate is available at closing when signed up for auto deduction. Financing available up to 100% of contracted purchase price or MSRP, whichever is less. Monthly payment example: $17.05 per $1,000. |
Sources (2)
All captured Oct 5, 2026
Automobile Loans (used)
Financing available up to 100% of the contracted purchase price or used car retail value, whichever is less. A .25% reduction in rate is available at closing when signed up for auto deduction. Subject to credit approval. Other terms and conditions may apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.50% | Model Year 2018 - 2024. Max term 60 months. A .25% reduction in rate is available at closing when signed up for auto deduction. Financing available up to 100% of contracted purchase price or used car retail value, whichever is less. Monthly payment example: $20.04 per $1,000. |
| up to 48 months | 8.25% | Model Year 2017 & Older. Max term 48 months. A .25% reduction in rate is available at closing when signed up for auto deduction. Financing available up to 100% of contracted purchase price or used car retail value, whichever is less. Monthly payment example: $24.53 per $1,000. |
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.