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 1–15 of 32 in Worcester County, MA · median 6.00% APR
- 3.99%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Applicable to 2024-2026 model year vehicles for terms up to 66 months. Lowest rate assumes base APR of 5.49% minus maximum discounts (0.25% Hybrid/EV, 0.25% Active Military/First Responder, up to 1.00% for LTV below 60%) and credit score 700+.
Auto loan score 94 · Carrot Score 99
Rate checked · Auto loans rates on its site
Rates and branches - Leominster Employees Federal Credit UnionNew / Used Auto Loans · up to 60 months
Credit union · 1 branch
4.24%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model Year 2027 - 2023. Includes 1.00% discount for automatic monthly payment.
Auto loan score 79 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
As low as
Auto loan score 87 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate is determined by personal credit history. Auto rate applies to 2023 & newer vehicles; maximum term of 63 months. Valid on loans new to SCU with payment automatically deducted from a qualified SCU account (reflects a 0.25% discount; cancellation may result in rate increase).
Auto loan score 82 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low aswith conditions
This 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 · 6 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 aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Monthly payment of $18.87 per $1,000 borrowed. Rate based on credit score, collateral value, and relationship.
Auto loan score 83 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model Years 2026-2019. Maximum term 60 months. Estimated monthly payment of $19.17 per $1,000 borrowed. Requires 730+ FICO score and reflects a 0.25% discount for automatic payment from an AOCU deposit account.
Auto loan score 79 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New–2021 models. Term up to 66 Months. Payment per $1,000 is $17.36 based on 66 months. Includes 0.500% autopay discount from a Workers Checking Account.
Auto loan score 79 · Carrot Score 87
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 - 5.39%APRas low as
Terms
Model Year 2023-2027.
Auto loan score 76 · Carrot Score 78
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 - 5.74%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model Years 2026-2022; payment per $1,000 is $18.43; includes .25% discount with Auto Pay from an IC Account
Auto loan score 66 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
APR may be as low as 5.75% based on excellent borrower credit history. Maximum term 60 months. Maximum loan amount $100,000. Monthly payment is $19.22 per $1,000 borrowed. Includes 0.25% auto-pay discount from a Rollstone Bank & Trust deposit account. Vehicle model age must be new (current calendar year or coming year). Up to 110% LTV.
Auto loan score 64 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
Estimated monthly payment of $19.33 per $1,000 financed. Rate is as low as.
Auto loan score 66 · Carrot Score 70
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 Worcester County, MA
32 banks and credit unions · checked Oct 15–22
- Typical
- 6.00%
- Top 10% up to
- 4.77%
- Banks, typical
- 6.75%
- 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.
Worcester, MA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Hanscom Federal Credit UnionCredit union · 1 branch
- GFA FCUCredit union · 4 branches
- UMassFiveCredit union · 1 branch