Compare Bank & Credit Union Rates
Best auto loan rates, new and used
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 61–75 of 95 in Boston, MA-NH metro · median 5.34% APR
- 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 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 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 - 6.14%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Model year 2022–2027 (or 2022–2026). Cost / $1,000 is 18.61. Assumes pairing with active Direct Advantage Checking.
Auto loan score 64 · Carrot Score 65
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 - 6.24%APRas low as
Terms
Estimated cost per $1,000 is $17.94.
Auto loan score 63 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 6.25%APRas low as
Terms
10% down payment required. $35,000.00 maximum loan. 5 year maximum loan term. Monthly Payments Per $1,000 Borrowed: $19.45.
Auto loan score 62 · Carrot Score 63
Rate checked · Auto loans rates on its site
Rates and branches - 6.39%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As of September 23, 2026. Fixed-rate loan amortized over 5 years (60 months). Includes discount for autodraft from a First Citizens checking account. APR based upon an interest rate of 6.25% and an origination fee of $100. Up to 84-month terms available for new auto loans / loans greater than $50,000.
Auto loan score 63 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 6.50%APRas low as
Terms
Rate reflects excellent/strong credit worthiness. Cost per thousand: $19.57.
Auto loan score 63 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 6.50%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Reduced APR includes a 0.25% discount with Direct Deposit and Auto Pay (authorizing Coastal Heritage Bank to automatically deduct minimum payment from a Coastal Heritage checking account).
Auto loan score 62 · Carrot Score 81
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 Boston, MA-NH metro
95 banks and credit unions · checked Oct 15–22
- Typical
- 5.34%
- Top 10% up to
- 4.50%
- Banks, typical
- 6.90%
- 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.
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