Bank · FDIC insured
Winchester Savings Bank Auto Loan Rates
Winchester Savings Bank auto loans start at 10.50% APR for a new vehicle and 11.00% for a used one. Rates checked October 15, 2026.
How Winchester Savings Bank’s auto loan rates compare
Compared with banks and credit unions near Boston, MA-NH, where Winchester Savings Bank has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
Winchester Savings Bank
10.50%APR
- Terms
- up to 60 months
Vehicle Loan - New
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
Winchester Savings Bank auto loan score
60
Auto loan score
Higher than 0% of U.S. banks and credit unions
- New vehicleNew10.50%
- Used vehicleUsed11.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Winchester 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.
Vehicle Loan - New
Model Year 2026 - 2025. Down payment requirement: 5.00%. Minimum loan amount: $5,000; Maximum loan amount: $100,000. Minimum loan payment: $100/month. Vehicle values determined by J.D. Power Guide. No Lease Buyouts or Salvage/Auction Titles. Fire, Theft and Collision Insurance with maximum deductible of $500 required. Refinances: Mass DOT Amend a Title Fee is $25. Private Sale Transactions require Buyer & Seller to be present at Main Branch closing.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 10.00% | Monthly Payment per $1,000 Borrowed: $32.27 |
| up to 48 months | 10.25% | Monthly Payment per $1,000 Borrowed: $25.48 |
| up to 60 months | 10.50% | Monthly Payment per $1,000 Borrowed: $21.49 |
| up to 72 months | 10.75% | Monthly Payment per $1,000 Borrowed: $18.91 |
| up to 84 months | 11.00% | Monthly Payment per $1,000 Borrowed: $17.12 |
Sources (2)
All captured Oct 5, 2026
Vehicle Loan - Used
Model Year 2024 - 2019. Down payment requirement: Model Years 2024 - 2022: 10.00%; Model Years 2021 - 2019: 30.00%. Minimum loan amount: $5,000; Maximum loan amount: $75,000. Minimum loan payment: $100/month. Vehicle values determined by J.D. Power Guide. No Lease Buyouts or Salvage/Auction Titles. Fire, Theft and Collision Insurance with maximum deductible of $500 required. Refinances: Mass DOT Amend a Title Fee is $25. Private Sale Transactions require Buyer & Seller to be present at Main Branch closing.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 10.50% | Monthly Payment per $1,000 Borrowed: $32.50 |
| up to 48 months | 10.75% | Monthly Payment per $1,000 Borrowed: $25.72 |
| up to 60 months | 11.00% | Monthly Payment per $1,000 Borrowed: $21.74 |
Sources (2)
All captured Oct 5, 2026
Opening an account
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