Compare Bank & Credit Union Rates
Best auto loan rates in Lowell, MA
Compare the lowest advertised APRs for new and used vehicle loans from banks and credit unions, with terms, conditions and original sources.
Top new-car loan rates
Showing 1–12 of 12 in Lowell, MA · median 5.82% APR
- 4.99%APRas low as
Terms
Applicable to New/Used Auto (Model Years 2024-2026). Rate posted is for a 740+ FICO Credit score. Payment example: $18.87 per $1,000 borrowed for 60 months.
Auto loan score 83 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - First Tech Federal Credit UnionNew Auto Loan - 2025 and Newer Models · up to 65 months
Credit union · 1 branch
4.99%APRas low asTerms
Rate as low as 4.99% APR for 65 months term with loan amount $1,000 to $300,000.
Auto loan score 83 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New–2021 models. Term up to 66 Months. Payment per $1,000 is $17.36 based on 66 months. Includes 0.500% autopay discount from a Workers Checking Account.
Auto loan score 79 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - Lowell Municipal Employees Federal Credit UnionNew Vehicles · up to 84 months
Credit union · 1 branch
5.50%APRas low as · up to 6.50%5.50% APR, up to 6.50%
Terms
Tier 1 (700-850 credit score, max debt ratio 42%): 5.50% APR. Tier 2 (600-699 credit score, max debt ratio 38%): 6.25% APR. Tier 3 (500-599 credit score, max debt ratio 32%): 6.50% APR (requires a co-borrower with at least a 650 credit score and credit committee approval). Model years 2024–2025.
Auto loan score 68 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
With direct deposit. Payment per thousand is $19.10. Rate includes maximum available direct deposit discount.
Auto loan score 65 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 5.64%APRas low as
Terms
Advertised as-low-as APR assumes excellent borrower credit history and is specific to VA. Advertised rate does not include additional BofA Rewards interest rate discount of 0.10% to 0.50%. Rate guaranteed for 30 days from application approval.
Auto loan score 66 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model Year 2026 – 2022. Payment per $1,000 borrowed is $16.02. Stated rates are .50% higher without automatic payments from a JDCU account. Includes $63 VSI charge; $5.00 Membership Account required.
Auto loan score 66 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 6.24%APRas low as
Terms
Based on 60 months and $45,000 financing amount with $0 down payment for online applicants with excellent credit. Rate discount of 0.25% may be available for Chase customers maintaining an average daily combined balance of $150,000 or more across eligible accounts.
Auto loan score 64 · Carrot Score 60
Rate checked · Auto loans rates on its site
Rates and branches - 6.79%APRas low as · up to 15.69%with conditions
6.79% APR, up to 15.69%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
To qualify for the lowest APR available (6.79%): term must be 48 months or less; collateral model year must be 2025 or newer; must have or open an M&T MyChoice Premium or Power Checking account at time of application; and automatic payment deductions from any M&T checking account must be established. Terms up to 84 months available.
Auto loan score 62 · Carrot Score 60
Rate checked · Auto loans rates on its site
Rates and branches - 7.25%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
With auto pay.
Auto loan score 60 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - 7.99%APRas low as
Terms
Eastern Bank Premier Checking account, Private Bank Checking account and Select Checking account holders receive a 0.50% discount with auto-pay from their Eastern Bank checking account. Other Eastern Bank customers receive a 0.25% discount with auto-pay from their Eastern Bank checking account. The minimum term is 12 months.
Auto loan score 60 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 9.74%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Requires automatic payment from The Open Account. Payment per $1,000 is $21.12.
Auto loan score 60 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches
Each institution’s lowest advertised APR for the vehicle, at terms that reach 60 months: usually its best-credit rate, so yours depends on your credit, the term and the vehicle. A rate that needs autopay, a checking account or similar says “with conditions”; More filters can leave those out. Refinance, lease buyout, recreational and promotional rates that have ended are left out, and a rate far below what other lenders advertise is listed lower down until it’s checked. Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates. How we rank
What new auto loans cost in Lowell, MA
12 banks and credit unions · checked Oct 15–22
- Typical
- 5.82%
- Top 10% up to
- 4.99%
- Banks, typical
- 7.02%
- Credit unions, typical
- 5.24%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Boston, MA-NH metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Hanscom Federal Credit UnionCredit union · 13 branches
- USALLIANCE FinancialCredit union · 1 branch
- The Village BankBank · 10 branches