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 1–9 of 9 in Framingham, MA · median 5.64% APR
- 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 - First Tech Federal Credit UnionNew Auto Loan - 2025 and Newer Models · up to 65 months
Credit union · 1 branch
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 - 5.25%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
For 2026 - 2020 vehicles. Stated rate includes a 0.50% APR AutoPay discount when loan payments are automatically deducted from a St. Mary's Credit Union statement account. Rate is determined by credit score, term, and year of vehicle. Qualifying borrowers can finance up to 115% of value.
Auto loan score 72 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 5.34%APRas low as · up to 20.69%with conditions
5.34% APR, up to 20.69%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Available to well-qualified applicants. Includes a 0.25% discount for automated payment from a PNC checking account set up at loan closing; rate increases 0.25% if automated payment is discontinued. Available for 2018-2027 model year non-commercial vehicles with up to 80,000 miles (up to 100,000 miles based on credit qualifications).
Auto loan score 71 · Carrot Score 75
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 - 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 - 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 - 8.00%APRas low as
Terms
Monthly payment of $20.28 per $1,000.
Auto loan score 60 · Carrot Score 88
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 Framingham, MA
9 banks and credit unions · checked Oct 15–22
- Typical
- 5.64%
- Top 10% up to
- 4.99%
- Banks, typical
- 6.24%
- Credit unions, typical
- 5.12%
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