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 76–90 of 131 in Massachusetts · median 5.49% APR
- 5.75%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Annual Percentage Rate (APR) as of 10/15/2026 may be as low as 5.75%. APRs assume excellent borrower credit history. Reflects a 0.25% reduction in rate for auto-payment from a Newburyport Bank deposit account. Up to 110% LTV.
Auto loan score 64 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate may be as low as 5.75% APR. Rate reflects a 0.25% reduction for auto-payment from a Pentucket Bank deposit account. Up to 110% LTV. Vehicle model age must be new (current calendar year or coming year).
Auto loan score 64 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
APR may be as low as 5.75% based on excellent borrower credit history. Maximum term 60 months. Maximum loan amount $100,000. Monthly payment is $19.22 per $1,000 borrowed. Includes 0.25% auto-pay discount from a Rollstone Bank & Trust deposit account. Vehicle model age must be new (current calendar year or coming year). Up to 110% LTV.
Auto loan score 64 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 5.79%APRas low as
Terms
Model years 2023-2027 (New & Used). Estimated payment of $19.24 per $1,000.
Auto loan score 68 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.95%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate advertised is the lowest available and includes a 0.25% discount for automatic payment from a Harvard FCU Crimson or Smart Rewards Checking account. Maximum loan amount is $100,000 for new vehicles and $75,000 for used vehicles.
Auto loan score 65 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Auto loan score 66 · Carrot Score 64
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 - 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 - New England Teamsters Federal Credit UnionNew and Used Auto Loans · up to 60 months
Credit union · 1 branch
5.99%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Vehicle age 2023 and newer; estimated payment $19.32 per $1,000; includes 1.00% discount for payroll deduction and automatic payment from a NETFCU account
Auto loan score 66 · Carrot Score 67
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
Monthly payment of $17.82 per $1,000 borrowed. Advertised rate reflects a 0.25% discount for automatic payment. Highest credit tier.
Auto loan score 65 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
New Vehicle
Auto loan score 64 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Auto loan score 64 · Carrot Score 61
Rate checked · Auto loans rates on its site
Rates and branches - Stoneham Municipal Employees Federal Credit UnionNew Automobile · 49–72 months
Credit union · 4 branches
5.99%APRas low asTerms
Up To $60,000; 100% NADA value; Years 2025-2026; Maximum mileage up to 8,000; Payment per $1,000 calculated on maximum term available: $16.57
Auto loan score 64 · Carrot Score 89
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
Requires loan payments made by pre-authorized transfer from a Marblehead Bank checking or statement savings account (reflects 0.50% discount).
Auto loan score 63 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 6.00%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate based on credit score and reflects a 0.25% discount for automatic payment deducted from qualified SFCU account. Add 1% to the rate if financing 100%. 2026 – 2025 is considered New Autos. 2024 – 2019 is considered Used Autos. Monthly payment per $1,000 borrowed for 12 months is $86.07.
Auto loan score 64 · Carrot Score 74
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