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 31–45 of 131 in Massachusetts · median 5.49% APR
- 4.99%APRas low as
Terms
Credit Score: 670-749 (Good); 84 months over $35,000 (current year); Max amount: 100% Book Value; Security: Title & Insurance
Auto loan score 83 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Refinance Special 2018-2026. Maximum term 84 months. Estimated payment is $14.14 per $1,000 borrowed. Rates not available on existing NESC Credit Union Auto Loans. Rates are based on creditworthiness and credit scoring.
Auto loan score 83 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
New auto; Maximum loan amount $85,000
Auto loan score 83 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Auto loan score 83 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Up to 5 years old; up to 60 months
Auto loan score 83 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Auto loan score 83 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rates as low as 4.99% APR for terms up to 63 months.
Auto loan score 83 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Payment per thousand: $18.87.
Auto loan score 83 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Estimated monthly payment of $19.75 per $1,000. Includes single life and VSI insurance.
Auto loan score 81 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Up to 100% of Kelley Blue Book value.
Auto loan score 80 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
All rates are credit qualified and subject to change. Restrictions may apply.
Auto loan score 80 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Vehicle years 2025–2026. Monthly payment of $18.87 per $1,000 borrowed.
Auto loan score 80 · Carrot Score 76
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 a checking account, direct deposit or relationship with the lender.
Terms
Fixed APR as low as 4.990% for A credit applicants financing less than 80% LTV, including maximum 0.35% relationship discount. Monthly payment per $1,000 borrowed is $18.87.
Auto loan score 79 · Carrot Score 72
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
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