Compare Bank & Credit Union Rates
Best auto loan rates in Stratham, 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 17 in Rockingham County, NH · median 5.75% 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 - 4.99%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 - 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 - 5.74%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 - 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 - 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 - 7.76%APRas low as
Terms
VSI Premium of $40; APR includes $75 processing fee; Vehicle Model Year: 2026 & 2025.
Auto loan score 61 · Carrot Score 70
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 - 7.88%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model years 2025-2026. Payment per $1,000 borrowed: $20.22. Requires AutoPay from a new or existing Haverhill Bank account.
Auto loan score 60 · Carrot Score 67
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 Rockingham County, NH
17 banks and credit unions · checked Oct 15–22
- Typical
- 5.75%
- Top 10% up to
- 4.89%
- 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.
Boston, MA-NH metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Hanscom Federal Credit UnionCredit union · 13 branches
- USALLIANCE FinancialCredit union · 1 branch
- The Village BankBank · 10 branches