Compare Bank & Credit Union Rates
Best auto loan rates in Worcester, 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 1–15 of 18 in Worcester, MA · median 6.00% APR
- 4.74%APRas low as
Terms
As low as
Auto loan score 87 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Includes 0.50% relationship discount with qualifying $1,000/month direct deposit. APR based on $10,000 financed.
Auto loan score 83 · Carrot Score 88
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 · 3 branches
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
Model Years 2026-2019. Maximum term 60 months. Estimated monthly payment of $19.17 per $1,000 borrowed. Requires 730+ FICO score and reflects a 0.25% discount for automatic payment from an AOCU deposit account.
Auto loan score 79 · Carrot Score 89
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 - 5.39%APRas low as
Terms
Model Year 2023-2027.
Auto loan score 76 · Carrot Score 78
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 - 5.74%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model Years 2026-2022; payment per $1,000 is $18.43; includes .25% discount with Auto Pay from an IC Account
Auto loan score 66 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
Estimated monthly payment of $19.33 per $1,000 financed. Rate is as low as.
Auto loan score 66 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 6.02%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Car Model Years 2023 – 2027. Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account. $19.34 Monthly Payment per $1,000.
Auto loan score 60 · Carrot Score 66
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 - 6.25%APRas low as
Terms
Vehicle model years 2025-2027. Max term 60 months. Minimum term 12 months. Minimum loan $800. Monthly payment per $1,000 is $19.45. Rate discounts available with automatic payment deduction from Perks or Rewards checking.
Auto loan score 64 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - Central One Federal Credit UnionMotor Vehicle Acquisition Program (MAP) · up to 60 months
Credit union · 1 branch
6.49%APRas low asAuto loan score 63 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 6.50%APRas low as
Terms
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.
Auto loan score 62 · Carrot Score 77
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
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 Worcester, MA
18 banks and credit unions · checked Oct 15–22
- Typical
- 6.00%
- Top 10% up to
- 4.99%
- Banks, typical
- 6.50%
- Credit unions, typical
- 4.99%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Worcester, MA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Hanscom Federal Credit UnionCredit union · 1 branch
- GFA FCUCredit union · 4 branches
- UMassFiveCredit union · 1 branch