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 46–60 of 131 in Massachusetts · median 5.49% APR
- 4.99%APRas low as
Terms
as low as 4.99%
Auto loan score 78 · Carrot Score 67
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
Term up to 60 months. Rate includes direct deposit/autopay, TrueCar, vehicle LTV, and special EV/Hybrid discount.
Auto loan score 73 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
Financing for vehicles less than 9 years old. Payment per thousand is $18.88.
Auto loan score 82 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as · up to 6.00%
5.00% APR, up to 6.00%
Terms
Credit grades Platinum (720+) to E (< 619); Max LTV 60% to 100%; minimum APR requires Platinum/A credit (720+ or 719-680) and max 100% LTV. Example: 60 month term at 5.00% APR will have an estimated monthly payment of $18.92 per $1,000.
Auto loan score 82 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Auto loan score 78 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Estimated monthly payment of $18.87 per $1,000 borrowed. Includes 0.25% autopay discount.
Auto loan score 75 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Auto loan score 73 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 5.14%APRas low as
Terms
APR as low as based on creditworthiness and underwriting standards. Up to 0.50% rate discount for all-electric/plug-in electric vehicles and switching to eStatements.
Auto loan score 81 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.19%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New, Used or Refinanced. Rate includes 0.50% APR discount for qualifying direct deposit of at least $100.
Auto loan score 71 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
APR as low as stated for purchase or refinance on new and used vehicles up to 6 years old. Maximum loan amount $250,000.00. A 0.25% Auto Pay Discount is available with automatic payments from a qualified Liberty Bay checking account (must be established within 60 days after Effective Date; interest rate increases by discount amount if discontinued or disqualified).
Auto loan score 79 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
As low as APR. Rates are valid as of October 1, 2026 and subject to change. Rates may vary based on terms as well as credit history. 0% to 20% down payment; terms between 36 and 84 months; new or used cars.
Auto loan score 79 · Carrot Score 97
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates quoted are based on 'A' credit grade and require automatic payments from a Freedom Credit Union checking account; rates are increased by 0.25% if automatic payment is not set up. Payment per $1,000 borrowed is $18.99.
Auto loan score 73 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - St. Jean's Credit UnionNew Car Loans - 2025-2026 Models or Newer · up to 60 months
Credit union · 5 branches
5.24%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Reflects a .25% discount when maintaining automatic loan payments. Subject to credit approval. Monthly payment is $18.99 per $1,000.
Auto loan score 70 · 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
Rate is as low as and based on creditworthiness, vehicle age, and loan-to-value ratio. Includes a 0.25% discount for automatic payments from a QCU checking account.
Auto loan score 77 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - Ukrainian Federal Credit UnionNew Auto Loan (vehicle year 2025 - 2026) · up to 60 months
Credit union · 1 branch
5.25%APRas low as · up to 6.25%with conditions5.25% APR, up to 6.25%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Maximum term 5 years. Base APR is 6.25%; APR as low as 5.25% includes up to 1.00% relationship discount based on approved credit.
Auto loan score 73 · Carrot Score 89
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 Massachusetts
131 banks and credit unions · checked Oct 15–22
- Typical
- 5.49%
- Top 10% up to
- 4.50%
- Banks, typical
- 6.79%
- 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.
Massachusetts
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Hanscom Federal Credit UnionCredit union · 14 branches
- USALLIANCE FinancialCredit union · 1 branch
- The Village BankBank · 10 branches