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 16–29 of 29 in New Hampshire · median 5.74% APR
- 5.75%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Annual Percentage Rate (APR) as of 10/15/2026 may be as low as 5.75%. APRs assume excellent borrower credit history. Reflects a 0.25% reduction in rate for auto-payment from a Newburyport Bank deposit account. Up to 110% LTV.
Auto loan score 64 · Carrot Score 88
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
Rate may be as low as 5.75% APR. Rate reflects a 0.25% reduction for auto-payment from a Pentucket Bank deposit account. Up to 110% LTV. Vehicle model age must be new (current calendar year or coming year).
Auto loan score 64 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.84%APRas low as
Terms
Vehicle model years 2024-2026. Financed up to 125%. Estimated monthly payment: $17.76 per $1,000 (66 mos.).
Auto loan score 68 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model Year 2026 – 2022. Payment per $1,000 borrowed is $16.02. Stated rates are .50% higher without automatic payments from a JDCU account. Includes $63 VSI charge; $5.00 Membership Account required.
Auto loan score 66 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 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 - 6.24%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 - 6.79%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 - 7.56%APRas low as
Terms
Model year 2026 & 2025. APR is based on a $30,000 example loan and includes a $50 doc fee. Max term 72 months.
Auto loan score 61 · Carrot Score 72
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 - Merrimack County Savings BankAuto Loans, Harley Davidson Motorcycle Loans · up to 72 months
Bank · 9 branches
7.76%APRas low asTerms
Model year 2026 & 2025. Maximum term 72 months. Loan amount example $10,000.00. APR includes $75 processing fee. VSI Premium of $40.
Auto loan score 61 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 7.88%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model years 2025-2026. Payment per $1,000 borrowed: $20.22. Requires AutoPay from a new or existing Haverhill Bank account.
Auto loan score 60 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - 7.99%APRas low as
Terms
Eastern Bank Premier Checking account, Private Bank Checking account and Select Checking account holders receive a 0.50% discount with auto-pay from their Eastern Bank checking account. Other Eastern Bank customers receive a 0.25% discount with auto-pay from their Eastern Bank checking account. The minimum term is 12 months.
Auto loan score 60 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 8.02%APRas low as
Terms
Model years 2025-2026. Payment per $1,000 financed is $19.89. APR based on $5,000 loan and includes one-time processing fee of $99.00. VSI fee of $50.00 required if loan > $2,000.
Auto loan score 60 · Carrot Score 85
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 New Hampshire
29 banks and credit unions · checked Oct 15–22
- Typical
- 5.74%
- Top 10% up to
- 4.75%
- Banks, typical
- 7.56%
- 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.
New Hampshire
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- GFA FCUCredit union · 3 branches
- Service Credit UnionCredit union · 36 branches
- Triangle Credit UnionCredit union · 9 branches