Bank · FDIC insured
Wells River Savings Bank Auto Loan Rates
Wells River Savings Bank auto loans start at 6.59% APR for a new vehicle and 8.24% for a used one. Rates checked October 22, 2026.
How Wells River Savings Bank’s auto loan rates compare
Compared with banks and credit unions near Lebanon, NH-VT, where Wells River Savings Bank has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
Wells River Savings Bank
6.59%APR
- Terms
- up to 60 months
- Up to
- 10.10% APR
- Discount
- None included
New Auto Loans
Lowest rate
Service Credit Union
4.74%APR
- Terms
- —
- Up to
- —
- Discount
- Included in the rate
2nd-lowest rate
Heritage Family Credit Union
4.99%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
Wells River Savings Bank auto loan score
62
Auto loan score
Higher than 6% of U.S. banks and credit unions
- New vehicleNew6.59%
- Used vehicleUsed8.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Wells River 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 Loans
Rates effective as of July 1, 2026. For 2023-2026 New Vehicles or Vehicles with less than 5,000 miles. Maximum LTV 100%. VSI (Vendor Single Interest Insurance) is required on all loans ($40 fee). APRs on NEW Autos are based on $20,000 loan for the specified term and include VSI fee. Interest rate and APR are based on risk-based pricing determined by applicant's TransUnion (Empirica) credit score (or highest score among multiple applicants).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.14%–9.65% | Maximum Term: 3 Years. Maximum LTV: 100%. Loan rates: 6.00-9.50%. APR: 6.14-9.65%*. Monthly payment per $1,000 borrowed: $30.42-$32.03. APR based on $20,000 loan including $40 VSI fee. |
| up to 48 months | 6.36%–9.62% | Maximum Term: 4 Years. Maximum LTV: 100%. Loan rates: 6.25-9.50%. APR: 6.36-9.62%*. Monthly payment per $1,000 borrowed: $23.60-$25.12. APR based on $20,000 loan including $40 VSI fee. |
| up to 60 months | 6.59%–10.10% | Maximum Term: 5 Years. Maximum LTV: 100%. Loan rates: 6.50-10.00%. APR: 6.59-10.10%*. Monthly payment per $1,000 borrowed: $19.57-$21.25. APR based on $20,000 loan including $40 VSI fee. |
| up to 72 months | 6.83%–10.33% | Maximum Term: 6 Years. Maximum LTV: 100%. Loan rates: 6.75-10.25%. APR: 6.83-10.33%*. Monthly payment per $1,000 borrowed: $16.93-$18.65. APR based on $20,000 loan including $40 VSI fee. |
Sources (1)
- wellsriversavings.com/loan-center · captured Oct 7, 2026
Used Auto Loans
Rates effective as of July 1, 2026. VSI (Vendor Single Interest Insurance) is required on all loans ($40 fee). APRs on USED Autos are based on $4,000 for specified term and include VSI and $95 Processing fee. $95.00 Processing fee waived on loans over $4,000. Interest rate and APR are based on risk-based pricing determined by applicant's TransUnion (Empirica) credit score (or highest score among multiple applicants).
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 8.24%–12.30% | Category: 2022 to 2026. Maximum Term: 6 Years. Maximum LTV: 100%. Loan rates: 7.00-11.00%. APR: 8.24 - 12.30%**. Monthly Payment Per $1000: $17.05-$19.04. APR based on $4,000 loan including $40 VSI and $95 processing fee ($95 processing fee waived on loans over $4,000). |
| up to 60 months | 8.46%–12.52% | Category: 2022 to 2026. Maximum Term: 5 Years. Maximum LTV: 100%. Loan rates: 7.00-11.00%. APR: 8.46 - 12.52%**. Monthly Payment Per $1000: $19.81-$21.75. APR based on $4,000 loan including $40 VSI and $95 processing fee ($95 processing fee waived on loans over $4,000). |
| up to 60 months | 8.71%–14.30% | Category: 2018 to 2021. Maximum Term: 5 Years. Maximum LTV: 100%. Loan rates: 7.25-12.75%. APR: 8.71 - 14.30%**. Monthly Payment Per $1000: $19.92-$22.63. APR based on $4,000 loan including $40 VSI and $95 processing fee ($95 processing fee waived on loans over $4,000). |
| up to 48 months | 9.55%–14.89% | Category: 2013 to 2017. Maximum Term: 4 Years. Maximum LTV: 90%. Loan rates: 7.75-13.00%. APR: 9.55 - 14.89%**. Monthly Payment Per $1000: $24.30-$26.83. APR based on $4,000 loan including $40 VSI and $95 processing fee ($95 processing fee waived on loans over $4,000). |
| up to 36 months | 11.37%–15.69% | Category: 2012 & Older. Maximum Term: 3 Years. Maximum LTV: 90%. Loan rates: 9.00-13.25%. APR: 11.37 - 15.69%**. Monthly Payment Per $1000: $31.81-$33.81. APR based on $4,000 loan including $40 VSI and $95 processing fee ($95 processing fee waived on loans over $4,000). |
Sources (1)
- wellsriversavings.com/loan-center · 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.