Compare Bank & Credit Union Rates
Best auto loan rates in Massachusetts
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 16–30 of 131 in Massachusetts · median 5.49% APR
- HTM Credit UnionNew Auto Loans, RV's, Motorcycles 2024 - 2026 · up to 84 months
Credit union · 1 branch
4.50%APRas low asTerms
Credit score 700 - up
Auto loan score 85 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as · up to 8.49%
4.74% APR, up to 8.49%
Terms
New and Used vehicles, Model Years 2025-2026. Term 49 to 71 months.
Auto loan score 87 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 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 - 4.74%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rates shown are APR accurate as of 10/07/2026 and subject to change without notice. Rates advertised with a .75% reduction for the Direct Deposit+ checking account tier (example: 5.49% APR less .75% = 4.74%). Up to a .75% discount applied based on creditworthiness and checking account tier. New and Used auto rates are the same for vehicles up to 3 model years old. Collateral age and loan term may impact APR.
Auto loan score 73 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - Energy Credit UnionNew Auto / Motorcycle - Zero Down (LTV 100% KBB / NADA) · up to 60 months
Credit union · 2 branches
4.75%APRas low asTerms
Applicable to excellent FICO 740 and above. Payment example: Borrow $30,000 for 60 months at 4.75%, pay $18.76 monthly per $1,000 borrowed.
Auto loan score 83 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - Cambridge Municipal Employees Federal Credit UnionNew Vehicle and Boat · up to 72 months
Credit union · 1 branch
4.75%APRas low asTerms
Credit score 720 - 850 (Excellent).
Auto loan score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate is determined by personal credit history. Auto rate applies to 2023 & newer vehicles; maximum term of 63 months. Valid on loans new to SCU with payment automatically deducted from a qualified SCU account (reflects a 0.25% discount; cancellation may result in rate increase).
Auto loan score 82 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.95%APRas low as
Terms
Maximum Amount 110.00%. Rate as low as stated.
Auto loan score 86 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 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 - Alltrust Credit UnionAuto Loan - Model Years 2023 or later · up to 60 months
Credit union · 4 branches
4.99%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Up to 100% loan-to-value. Rates reflect credit score of 700+ with automatic payment from checking. $5 Regular Savings required.
Auto loan score 83 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - BrightBridge Credit UnionAuto Loans (Model Years 2026 - 2021) · 49–66 months
Credit union · 27 branches
4.99%APRas low aswith conditionsThis 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 · 19 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 as
Terms
Model year 2025 - 2026. 60 month term or less.
Auto loan score 83 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Auto loan score 83 · Carrot Score 77
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
Monthly payment of $18.87 per $1,000 borrowed. Rate based on credit score, collateral value, and relationship.
Auto loan score 83 · Carrot Score 68
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 Massachusetts
131 banks and credit unions · checked Oct 15–22
- Typical
- 5.49%
- Top 10% up to
- 4.50%
- Banks, typical
- 6.79%
- 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.
Massachusetts
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Hanscom Federal Credit UnionCredit union · 14 branches
- USALLIANCE FinancialCredit union · 1 branch
- The Village BankBank · 10 branches