Compare Bank & Credit Union Rates
Best auto loan rates in Milford, NH
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 15 in Hillsborough County, NH · median 5.64% 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 - 4.74%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 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 - 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 - 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 - 5.64%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 - 5.84%APRas low as
Terms
Vehicle model years 2024-2026. Financed up to 125%. Estimated monthly payment: $17.76 per $1,000 (66 mos.).
Auto loan score 68 · Carrot Score 74
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 - 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 - 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 - 6.79%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 - Merrimack County Savings BankAuto Loans, Harley Davidson Motorcycle Loans · up to 72 months
Bank · 1 branch
7.76%APRas low asTerms
Model year 2026 & 2025. Maximum term 72 months. Loan amount example $10,000.00. APR includes $75 processing fee. VSI Premium of $40.
Auto loan score 61 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 7.99%APRas low as
Terms
Eastern Bank Premier Checking account, Private Bank Checking account and Select Checking account holders receive a 0.50% discount with auto-pay from their Eastern Bank checking account. Other Eastern Bank customers receive a 0.25% discount with auto-pay from their Eastern Bank checking account. The minimum term is 12 months.
Auto loan score 60 · Carrot Score 69
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 Hillsborough County, NH
15 banks and credit unions · checked Oct 15–22
- Typical
- 5.64%
- Top 10% up to
- 4.74%
- Banks, typical
- 6.79%
- Credit unions, typical
- 5.06%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Manchester, NH metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- GFA FCUCredit union · 1 branch
- Service Credit UnionCredit union · 5 branches
- Triangle Credit UnionCredit union · 8 branches