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 16–30 of 95 in Boston, MA-NH metro · median 5.34% APR
- Energy Credit UnionNew Auto / Motorcycle - Zero Down (LTV 100% KBB / NADA) · up to 60 months
Credit union · 2 branches
4.75%APRas low asTerms
Applicable to excellent FICO 740 and above. Payment example: Borrow $30,000 for 60 months at 4.75%, pay $18.76 monthly per $1,000 borrowed.
Auto loan score 83 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - Cambridge Municipal Employees Federal Credit UnionNew Vehicle and Boat · up to 72 months
Credit union · 1 branch
4.75%APRas low asTerms
Credit score 720 - 850 (Excellent).
Auto loan score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.95%APRas low as
Terms
Maximum Amount 110.00%. Rate as low as stated.
Auto loan score 86 · Carrot Score 88
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 · 23 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 · 13 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 - 4.99%APRas low as
Auto loan score 83 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Credit Score: 670-749 (Good); 84 months over $35,000 (current year); Max amount: 100% Book Value; Security: Title & Insurance
Auto loan score 83 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Refinance Special 2018-2026. Maximum term 84 months. Estimated payment is $14.14 per $1,000 borrowed. Rates not available on existing NESC Credit Union Auto Loans. Rates are based on creditworthiness and credit scoring.
Auto loan score 83 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
New auto; Maximum loan amount $85,000
Auto loan score 83 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Up to 5 years old; up to 60 months
Auto loan score 83 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Auto loan score 83 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rates as low as 4.99% APR for terms up to 63 months.
Auto loan score 83 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Payment per thousand: $18.87.
Auto loan score 83 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Up to 100% of Kelley Blue Book value.
Auto loan score 80 · Carrot Score 82
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