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 32 in Worcester County, MA · median 6.00% APR
- 5.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Monthly payment of $17.82 per $1,000 borrowed. Advertised rate reflects a 0.25% discount for automatic payment. Highest credit tier.
Auto loan score 65 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 6.02%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Car Model Years 2023 – 2027. Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account. $19.34 Monthly Payment per $1,000.
Auto loan score 60 · Carrot Score 66
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 - 6.25%APRas low as
Terms
Vehicle model years 2025-2027. Max term 60 months. Minimum term 12 months. Minimum loan $800. Monthly payment per $1,000 is $19.45. Rate discounts available with automatic payment deduction from Perks or Rewards checking.
Auto loan score 64 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - Central One Federal Credit UnionMotor Vehicle Acquisition Program (MAP) · up to 60 months
Credit union · 9 branches
6.49%APRas low asAuto loan score 63 · Carrot Score 86
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 - 6.72%APRas low as · up to 9.97%
6.72% APR, up to 9.97%
Terms
Auto (2024 - New). Amount financed 100% of NADA retail value. Lowest advertised APRs assume excellent personal credit history; actual APR may differ based on credit history and other underwriting requirements. Terms of repayment: $19.67 / $21.23 per $1000 borrowed. Subject to credit approval.
Auto loan score 62 · Carrot Score 61
Rate checked · Auto loans rates on its site
Rates and branches - 6.74%APRas low as · up to 9.00%with conditions
6.74% APR, up to 9.00%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Credit Score 661+. Rate reflects 0.50% discount for automatic payment from a CSB Checking or Savings Account for the full term of the loan. Stated APR ranges from 6.740% (730+) to 9.000% (661-679). Repayment per $1,000 ranges from $19.68 to $20.76.
Auto loan score 61 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 6.75%APRas low as
Terms
New Vehicle (2026/2027). Max term 72 months. Payment per $1,000 is $19.69. Adjustable rate available at 1/2% discount. 1/4% rate discount with automatic payment from MFB deposit account.
Auto loan score 62 · Carrot Score 76
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 - 7.08%APRas low as
Terms
Includes $50 vehicle loan processing fee to be paid by borrower at closing. Subject to credit approval.
Auto loan score 61 · Carrot Score 70
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 aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New Cars (2024 - 2027); 0% down payment; maximum loan amount will be determined by the actual purchase price, excluding the costs of any extended warranty program and sales tax; APR reflects a .25% discount for automatic payment from a Webster Five account (option not to choose automatic payments increases rate by .25%)
Auto loan score 60 · 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 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