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 1–6 of 6 in Rochester, NH · median 6.26% APR
- 4.74%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rates shown are APR accurate as of 10/07/2026 and subject to change without notice. Rates advertised with a .75% reduction for the Direct Deposit+ checking account tier (example: 5.49% APR less .75% = 4.74%). Up to a .75% discount applied based on creditworthiness and checking account tier. New and Used auto rates are the same for vehicles up to 3 model years old. Collateral age and loan term may impact APR.
Auto loan score 73 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 5.34%APRas low as
Terms
Model Year: 2026 & Newer. Estimated monthly payment: $17.47 per $1,000. Rates as low as.
Auto loan score 72 · Carrot Score 73
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 Year: 2026-2024. Available to well-qualified borrowers. Advertised APR includes a total 0.30% discount (0.10% each for maintaining open checking with positive balance every 30 days, auto-pay from Lighthouse account, active credit card). Must request discount within 90 days of closing.
Auto loan score 69 · Carrot Score 88
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 - 7.76%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 - 9.74%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Classic Car. Rates as low as shown include 0.50% discount. Must be at least 15 yrs old, Max LTV = 80%.
Auto loan score 60 · Carrot Score 71
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 Rochester, NH
6 banks and credit unions · checked Oct 16–22
- Typical
- 6.26%
- Top 10% up to
- 5.04%
- Banks, typical
- 7.28%
- Credit unions, typical
- 5.54%
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