Compare Bank & Credit Union Rates
Best auto loan rates in Vermont
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 Vermont · median 6.24% APR
- 4.99%APRas low as
Terms
APR as low as; actual rate determined by credit qualifications and chosen term, subject to credit approval; rates may change at any time.
Auto loan score 83 · Carrot Score 92
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 · 10 branches
4.99%APRas low asAuto loan score 79 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.05%APRas low as
Terms
APR may be adjusted based on individual credit standing and term.
Auto loan score 81 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.18%APRas low as
Terms
0% Down Payment. Monthly payment per thousand borrowed: $18.95.
Auto loan score 73 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
5.49% APR based on a 72 month term with a credit score of 730 or above on a 2022 or newer vehicle. Valid on loans for new and used purchases or refinances from other financial institutions. Enhanced Loyalty Rewards cannot be used in conjunction with this offer.
Auto loan score 73 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
100% of sticker price; never titled.
Auto loan score 64
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
New '25-'26; 100% Financing- (Tax, Title, Registration inc.)
Auto loan score 63 · Carrot Score 71
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 - 6.50%APRas low as
Terms
New automobiles and motorcycles. 'As low as' rate determined by creditworthiness and loan term. Members agreeing to pay loans via EFT may qualify for a 0.25% reduction in APR.
Auto loan score 62 · Carrot Score 61
Rate checked · Auto loans rates on its site
Rates and branches - 6.59%APRas low as · up to 10.10%
6.59% APR, up to 10.10%
Terms
Maximum Term: 5 Years. Maximum LTV: 100%. Loan rates: 6.50-10.00%. APR: 6.59-10.10%*. Monthly payment per $1,000 borrowed: $19.57-$21.25. APR based on $20,000 loan including $40 VSI fee.
Auto loan score 62 · Carrot Score 73
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 - 7.24%APRas low as
Terms
New Only. Minimum loan amount $35,000.
Auto loan score 82 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - National Bank of MiddleburyNew auto or recreational vehicle loans · up to 60 months
Bank · 7 branches
7.80%APRas low as · up to 9.30%with conditions7.80% APR, up to 9.30%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Requires automatic payment for stated APR range; add 0.50% to interest rate without automatic payment. Rates vary by credit score.
Auto loan score 60 · Carrot Score 60
Rate checked · Auto loans rates on its site
Rates and branches - Green Mountain Credit UnionNew/Used Car, Truck or Motorcycle · up to 96 months
Credit union · 5 branches
7.99%APRas low asTerms
New only (current model year or newer with < 2,500 miles; or current model year or one model year old with less than 2500 miles). Rate quoted as low as; rate and term may vary by credit.
Auto loan score 67 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 8.02%APRas low as
Terms
Model years 2025-2026. Payment per $1,000 financed is $19.89. APR based on $5,000 loan and includes one-time processing fee of $99.00. VSI fee of $50.00 required if loan > $2,000.
Auto loan score 60 · Carrot Score 85
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 Vermont
15 banks and credit unions · checked Oct 16–22
- Typical
- 6.24%
- Top 10% up to
- 5.01%
- Banks, typical
- 6.69%
- Credit unions, typical
- 5.99%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Vermont
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- NorthCountry Federal Credit UnionCredit union · 12 branches
- EastRise Credit UnionCredit union · 16 branches
- Bank of BenningtonBank · 5 branches