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 76–90 of 95 in Boston, MA-NH metro · median 5.34% APR
- 6.50%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes 0.25% auto-pay discount with Mechanics Cooperative Bank checking account. Fixed monthly payment of $19.57 per $1,000 for 60 months.
Auto loan score 62 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 6.50%APRas low as
Terms
Model Year 2025 - New. Max term 60 months. A .25% reduction in rate is available at closing when signed up for auto deduction. Financing available up to 100% of contracted purchase price or MSRP, whichever is less. Monthly payment example: $19.57 per $1,000.
Auto loan score 62 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 6.75%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate reflects a 0.25% reduction for automatic payment deduction from a new or existing Dean Bank checking account (auto-pay is not required). Rate is based on creditworthiness and assumes a 10% down payment ($19.68 monthly payment per $1,000 borrowed).
Auto loan score 61 · Carrot Score 72
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 - 7.00%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model Year 2026-2024. Maximum Loan to Value (LTV) 100%. Monthly payment per $1,000 is $19.80. APR reflects 0.50% discount for automatic payment from an Avidia Bank checking account; an additional 0.25% discount may apply for Bank At Work account customers.
Auto loan score 62 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 7.25%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model Year 2025-2026. Monthly Payment per $1000 Borrowed is $19.92. With autopay from a Charles River Bank deposit account.
Auto loan score 61 · Carrot Score 64
Rate checked · Auto loans rates on its site
Rates and branches - 7.25%APRas low as
Terms
Monthly Payment per $1,000 borrowed: $19.92. 10% downpayment required. Requires a $17.00 Vendors Single Interest (VSI) fee.
Auto loan score 61 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 7.25%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
With auto pay.
Auto loan score 60 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - 7.50%APRas low as
Terms
Model Year 2026 with 500 miles or less. Down payment 0%. Monthly payment $20.04 per $1,000 borrowed. Additional .25% off with automatic payment from a TSB checking or statement savings account.
Auto loan score 60 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 7.75%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New Only (2025-2026 model years); 5% down payment required; 7.75% with autopay from BayCoast checking/savings; otherwise 0.25% higher; purchase or refinance only.
Auto loan score 61 · Carrot Score 63
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 - 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 - 7.99%APRas low as
Auto loan score 60 · Carrot Score 97
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