Compare Bank & Credit Union Rates
Best auto loan rates in New Hampshire
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 29 in New Hampshire · median 5.74% APR
- 4.69%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model Years 2021 & Newer.
Auto loan score 88 · Carrot Score 90
Rate checked · Auto loans rates on its site
Rates and branches - 4.70%APRas low as
Terms
Auto Year 2024-2027; Max length 60 Months (under $20,000), 84 Months* (over $20,000); Rate adjusts for longer term; Rate based on creditworthiness and term of loan
Auto loan score 88 · Carrot Score 85
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 - 4.75%APRas low as
Terms
Model Year 2025-2026; Financing up to 100%
Auto loan score 87 · Carrot Score 84
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 reflects direct deposit and automatic payment discount; add 0.25% without direct deposit and automatic payment. Stated rate based on creditworthiness.
Auto loan score 78 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 4.90%APRas low as
Terms
APR as low as 4.90%. Up to 100% financing. Estimated monthly payment of $19.88 per $1,000. Based on loan amount of $15,000 including $60 processing fee. Current year vehicle with no more than 6,000 miles on the odometer.
Auto loan score 86 · Carrot Score 82
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 - BrightBridge Credit UnionAuto Loans (Model Years 2026 - 2021) · 49–66 months
Credit union · 2 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 · 4 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 - Heritage Family Credit UnionNew Auto Loan Rate (Model Year 2025 and Newer) · up to 60 months
Credit union · 1 branch
4.99%APRas low asAuto loan score 79 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.14%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
APR reflects 0.10% discount with automatic funds transfer from a St. Mary's Bank Checking account; 0.25% discount when loan amount is 80% or less of MSRP/Retail Value and vehicle has 100,000 miles or fewer. APR increased by 1.00% for vehicles with 100,001+ miles. APR based on $10,000 financed.
Auto loan score 79 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.34%APRas low as
Terms
Model Year: 2026 & Newer. Estimated monthly payment: $17.47 per $1,000. Rates as low as.
Auto loan score 72 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as · up to 16.24%
5.49% APR, up to 16.24%
Terms
Model years 2022-2026. Rate depends on credit score grade (730+ / A+: 5.49% to 549-LESS / E: 16.24%).
Auto loan score 73 · Carrot Score 66
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 Year: 2026-2024. Available to well-qualified borrowers. Advertised APR includes a total 0.30% discount (0.10% each for maintaining open checking with positive balance every 30 days, auto-pay from Lighthouse account, active credit card). Must request discount within 90 days of closing.
Auto loan score 69 · Carrot Score 88
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 New Hampshire
29 banks and credit unions · checked Oct 15–22
- Typical
- 5.74%
- Top 10% up to
- 4.75%
- Banks, typical
- 7.56%
- 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.
New Hampshire
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- GFA FCUCredit union · 3 branches
- Service Credit UnionCredit union · 36 branches
- Triangle Credit UnionCredit union · 9 branches