Auto Loan Rates in Essex, Connecticut (CT) for July 2026
Brian McKay
Brian McKay
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Current auto loan rates in Essex, Connecticut include Torrington Municipal & Teachers Federal Credit UnionTorrington Municipal & Teachers Federal Credit UnionA+5.0 ★Texas Ratio: 1.24% offering New Vehicles Loan at 3.25%, FD Community Federal Credit UnionFD Community Federal Credit UnionA+5.0 ★Texas Ratio: 5.52% offering New, Unregistered Auto Loan at 3.99%, Skyline Financial Federal Credit UnionSkyline Financial Federal Credit UnionA5.0 ★Texas Ratio: 13.60% offering New Auto at 4.00%, United Business and Industry Federal Credit UnionUnited Business and Industry Federal Credit UnionA+5.0 ★Texas Ratio: 1.23% offering Auto Loan 2019-2025 1-48 Months at 4.24%, Hartford Federal Credit UnionHartford Federal Credit UnionA+5.0 ★Texas Ratio: 4.15% offering NEW Auto Loan at 4.24%. Auto loan rates as of July 25, 2026 according to verified data from MonitorBankRates.
Essex borrowers have access to 30 lenders serving the Connecticut area, with auto loan rates as low as 3.25% APR from Torrington Municipal & Teachers Federal Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Essex, Connecticut. Auto Loan Rates Last Updated and Verified: July 25, 2026
Compare Auto Loan Rates Today in Essex, Connecticut & Surrounding Area
Essex Auto Loan Rates
As low as; New Vehicles
As low as; New Vehicles
As Low As; Includes a .25% discount for maintaining a checking account with direct deposit and automatic loan payment.
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available.
As Low As; w/auto pay
Model Years 2023 - 2026; 100% Financing
100% financing available for new and used auto, truck and motorcycle purchases. NEW VEHICLES
As low as; Used Vehicles
As low as; New Vehicles
As Low As
Model year: 2025 or newer with less than 7,000 miles; Up to 100% financing available
As Low As; Includes a .25% discount for maintaining a checking account with direct deposit and automatic loan payment.
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available.
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Used auto loan rates are for model years 2020 or newer. Maximum mileage for used auto loan rate is 125,000 miles. Over 125,000 miles will default to the classic auto loan rate and terms. Other terms available.
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Used auto loan rates are for model years 2020 or newer. Maximum mileage for used auto loan rate is 125,000 miles. Over 125,000 miles will default to the classic auto loan rate and terms. Other terms available.
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Used auto loan rates are for model years 2020 or newer. Maximum mileage for used auto loan rate is 125,000 miles. Over 125,000 miles will default to the classic auto loan rate and terms. Other terms available.
2025 to 2027 Model Years
Model year: 2025 or newer with less than 7,000 miles; Up to 100% financing available
Model years: 2023 or newer (and 2025 with more than 7,000 miles); Up to 100% financing available
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available.
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Used auto loan rates are for model years 2020 or newer. Maximum mileage for used auto loan rate is 125,000 miles. Over 125,000 miles will default to the classic auto loan rate and terms. Other terms available.
100% financing available for new and used auto, truck and motorcycle purchases. NEW VEHICLES
As low as; New Vehicles
Note 1
As Low As; Vehicle model years 2022 to 2026
As low as; Used Vehicles
Fixed Rate New Automobile Loan APRs range from 4.99% - 10.99% depending on your creditworthiness and the repayment term. Loan repayment terms range from 12 months to 72 months. A new automobile refers to a vehicles less than two years old.
As Low As; Includes a .25% discount for maintaining a checking account with direct deposit and automatic loan payment.
As low as; Credit Score: 720+
As low as; Credit Score: 720+
As low as; Used Vehicles
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Used auto loan rates are for model years 2020 or newer. Maximum mileage for used auto loan rate is 125,000 miles. Over 125,000 miles will default to the classic auto loan rate and terms. Other terms available.
2025 to 2027 Model Years
As Low As
Credit Score: 730 plus, Credit Tier: A Plus
100% financing available for new and used auto, truck and motorcycle purchases. NEW VEHICLES
Fair Isaac: 730+
Fair Isaac: 730+
As Low As; w/auto pay
Model Year: 2025 - 2027
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available.
Model Years 2023 - 2026; 100% Financing
As Low As
As Low As; 60 monthly payments of $19.10 per $1,000 borrowed
Credit Score: 680-729, Credit Tier: A
Credit Score: 730 plus, Credit Tier: A Plus
100% financing available for new and used auto, truck and motorcycle purchases. NEW VEHICLES
Fair Isaac: 730+
Fair Isaac: 680-729
Fair Isaac: 730+
Model Year: 2025 - 2027
As low as; Used Vehicles
As Low As; Vehicle model years 2017 to 2021
Model Year: 2023 - 2024
Fixed Rate New Automobile Loan APRs range from 4.99% - 10.99% depending on your creditworthiness and the repayment term. Loan repayment terms range from 12 months to 72 months. A new automobile refers to a vehicles less than two years old.
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Used auto loan rates are for model years 2020 or newer. Maximum mileage for used auto loan rate is 125,000 miles. Over 125,000 miles will default to the classic auto loan rate and terms. Other terms available.
2025 to 2027 Model Years
As Low As; 72 monthly payments of $16.81 per $1,000 borrowed
Credit Score: 730 plus, Credit Tier: A Plus
100% financing available for new and used auto, truck and motorcycle purchases. NEW VEHICLES
Fair Isaac: 730+
Fair Isaac: 730+
Model Years 2023 - 2026; 100% Financing
Model Year: 2025 - 2027
Model year: 2025 or newer with less than 7,000 miles; Up to 100% financing available
Model years: 2023 or newer (and 2025 with more than 7,000 miles); Up to 100% financing available
Credit Score: 680-729, Credit Tier: A
Credit Score: 730 plus, Credit Tier: A Plus
100% financing available for new and used auto, truck and motorcycle purchases. USED VEHICLES
As low as; Used Vehicles
Fair Isaac: 730+
Fair Isaac: 680-729
Fair Isaac: 730+
Model Years 2023 - 2026; 100% Financing
Rates as low as 5.86%
Model Year: 2023 - 2024
Model years: 2021 -2022 (older considered on case by case basis); Up to 100% financing available
As low as; APR*
Rate assumes loan to value of 100% or less and term of 60 months or less. Not all borrowers will qualify for the lowest interest rate.
Model Year: 2021 - 2022
Fixed Rate New Automobile Loan APRs range from 4.99% - 10.99% depending on your creditworthiness and the repayment term. Loan repayment terms range from 12 months to 72 months. A new automobile refers to a vehicles less than two years old.
As low as; Credit Score: 680 - 719
As low as; Credit Score: 680 - 719
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Used auto loan rates are for model years 2020 or newer. Maximum mileage for used auto loan rate is 125,000 miles. Over 125,000 miles will default to the classic auto loan rate and terms. Other terms available.
As Low As
Credit Score: 640-679, Credit Tier: B
Credit Score: 680-729, Credit Tier: A
100% financing available for new and used auto, truck and motorcycle purchases. USED VEHICLES
Fair Isaac: 680-729
Fair Isaac: 640-679
Fair Isaac: 680-729
Model Years 2021 - 2022; 100% Financing
Model years: 2021 -2022 (older considered on case by case basis); Up to 100% financing available
As Low As; Includes a .25% discount for maintaining a checking account with direct deposit and automatic loan payment.
Credit Score: 640-679, Credit Tier: B
Credit Score: 680-729, Credit Tier: A
100% financing available for new and used auto, truck and motorcycle purchases. USED VEHICLES
Fair Isaac: 680-729
Fair Isaac: 640-679
Fair Isaac: 680-729
Model Year: 2025 - 2027
Model Year: 2021 - 2022
Fixed Rate New Automobile Loan APRs range from 4.99% - 10.99% depending on your creditworthiness and the repayment term. Loan repayment terms range from 12 months to 72 months. A new automobile refers to a vehicles less than two years old.
Fixed Rate Used Automobile Loan APRs range from 6.49% - 12.49% depending on your creditworthiness and the repayment term. Loan repayment terms range from 12 months to 72 months. Qualifying used automobiles refer to vehicles three to 10 years old.
As Low As; w/auto pay
Credit Score: 600-639, Credit Tier: C
Credit Score: 640-679, Credit Tier: B
Fair Isaac: 640-679
Fair Isaac: 600-639
Fair Isaac: 640-679
Model Years 2021 - 2022; 100% Financing
Model years: 2021 -2022 (older considered on case by case basis); Up to 100% financing available
Model Year: 2019 - 2020
2019 Model Year and Newer
Credit Score: 600-639, Credit Tier: C
20% down
Fair Isaac: 600-639
Fair Isaac: 600-639
Model Years 2016 - 2020; 100% Financing
Model Year: 2019 - 2020
Essex New Auto Auto Loan Rates
As low as; New Vehicles
As low as; New Vehicles
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available.
100% financing available for new and used auto, truck and motorcycle purchases. NEW VEHICLES
As low as; New Vehicles
Model year: 2025 or newer with less than 7,000 miles; Up to 100% financing available
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available.
2025 to 2027 Model Years
Model year: 2025 or newer with less than 7,000 miles; Up to 100% financing available
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available.
100% financing available for new and used auto, truck and motorcycle purchases. NEW VEHICLES
As low as; New Vehicles
As Low As; Vehicle model years 2022 to 2026
Fixed Rate New Automobile Loan APRs range from 4.99% - 10.99% depending on your creditworthiness and the repayment term. Loan repayment terms range from 12 months to 72 months. A new automobile refers to a vehicles less than two years old.
As low as; Credit Score: 720+
2025 to 2027 Model Years
100% financing available for new and used auto, truck and motorcycle purchases. NEW VEHICLES
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available.
As Low As; 60 monthly payments of $19.10 per $1,000 borrowed
100% financing available for new and used auto, truck and motorcycle purchases. NEW VEHICLES
Fixed Rate New Automobile Loan APRs range from 4.99% - 10.99% depending on your creditworthiness and the repayment term. Loan repayment terms range from 12 months to 72 months. A new automobile refers to a vehicles less than two years old.
2025 to 2027 Model Years
100% financing available for new and used auto, truck and motorcycle purchases. NEW VEHICLES
Model year: 2025 or newer with less than 7,000 miles; Up to 100% financing available
100% financing available for new and used auto, truck and motorcycle purchases. USED VEHICLES
Rates as low as 5.86%
As low as; APR*
Rate assumes loan to value of 100% or less and term of 60 months or less. Not all borrowers will qualify for the lowest interest rate.
Fixed Rate New Automobile Loan APRs range from 4.99% - 10.99% depending on your creditworthiness and the repayment term. Loan repayment terms range from 12 months to 72 months. A new automobile refers to a vehicles less than two years old.
As low as; Credit Score: 680 - 719
100% financing available for new and used auto, truck and motorcycle purchases. USED VEHICLES
100% financing available for new and used auto, truck and motorcycle purchases. USED VEHICLES
Fixed Rate New Automobile Loan APRs range from 4.99% - 10.99% depending on your creditworthiness and the repayment term. Loan repayment terms range from 12 months to 72 months. A new automobile refers to a vehicles less than two years old.
2019 Model Year and Newer
20% down
Essex Used Auto Auto Loan Rates
100% financing available for new and used auto, truck and motorcycle purchases. NEW VEHICLES
As low as; Used Vehicles
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Used auto loan rates are for model years 2020 or newer. Maximum mileage for used auto loan rate is 125,000 miles. Over 125,000 miles will default to the classic auto loan rate and terms. Other terms available.
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Used auto loan rates are for model years 2020 or newer. Maximum mileage for used auto loan rate is 125,000 miles. Over 125,000 miles will default to the classic auto loan rate and terms. Other terms available.
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Used auto loan rates are for model years 2020 or newer. Maximum mileage for used auto loan rate is 125,000 miles. Over 125,000 miles will default to the classic auto loan rate and terms. Other terms available.
Model years: 2023 or newer (and 2025 with more than 7,000 miles); Up to 100% financing available
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Used auto loan rates are for model years 2020 or newer. Maximum mileage for used auto loan rate is 125,000 miles. Over 125,000 miles will default to the classic auto loan rate and terms. Other terms available.
100% financing available for new and used auto, truck and motorcycle purchases. NEW VEHICLES
Note 1
As low as; Used Vehicles
As low as; Credit Score: 720+
As low as; Used Vehicles
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Used auto loan rates are for model years 2020 or newer. Maximum mileage for used auto loan rate is 125,000 miles. Over 125,000 miles will default to the classic auto loan rate and terms. Other terms available.
As Low As
100% financing available for new and used auto, truck and motorcycle purchases. NEW VEHICLES
As Low As
100% financing available for new and used auto, truck and motorcycle purchases. NEW VEHICLES
As low as; Used Vehicles
As Low As; Vehicle model years 2017 to 2021
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Used auto loan rates are for model years 2020 or newer. Maximum mileage for used auto loan rate is 125,000 miles. Over 125,000 miles will default to the classic auto loan rate and terms. Other terms available.
As Low As; 72 monthly payments of $16.81 per $1,000 borrowed
100% financing available for new and used auto, truck and motorcycle purchases. NEW VEHICLES
Model years: 2023 or newer (and 2025 with more than 7,000 miles); Up to 100% financing available
100% financing available for new and used auto, truck and motorcycle purchases. USED VEHICLES
As low as; Used Vehicles
Model years: 2021 -2022 (older considered on case by case basis); Up to 100% financing available
As low as; APR*
As low as; Credit Score: 680 - 719
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Used auto loan rates are for model years 2020 or newer. Maximum mileage for used auto loan rate is 125,000 miles. Over 125,000 miles will default to the classic auto loan rate and terms. Other terms available.
As Low As
100% financing available for new and used auto, truck and motorcycle purchases. USED VEHICLES
Model years: 2021 -2022 (older considered on case by case basis); Up to 100% financing available
100% financing available for new and used auto, truck and motorcycle purchases. USED VEHICLES
Fixed Rate Used Automobile Loan APRs range from 6.49% - 12.49% depending on your creditworthiness and the repayment term. Loan repayment terms range from 12 months to 72 months. Qualifying used automobiles refer to vehicles three to 10 years old.
Model years: 2021 -2022 (older considered on case by case basis); Up to 100% financing available
20% down
Essex, CT Auto Loan Rate Trends
Compare local Essex, CT auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Connecticut new auto rates rose 0.103 points over the past 7 days to 6.500% APR.
Connecticut used auto rates fell 0.113 points over the past 7 days to 7.022% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Essex, Connecticut auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Essex, Connecticut directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Essex, Connecticut. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in CT.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Essex, Connecticut
How does my credit score affect my car loan rate in Connecticut?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
What are the best Auto Loan rates in Essex, Connecticut?
- Torrington Municipal & Teachers Federal Credit Union: 3.25% (New Vehicles Loan)
- FD Community Federal Credit Union: 3.99% (New, Unregistered Auto Loan)
- Skyline Financial Federal Credit Union: 4.00% (New Auto)
- United Business and Industry Federal Credit Union: 4.24% (Auto Loan 2019-2025 1-48 Months)
- Hartford Federal Credit Union: 4.24% (NEW Auto Loan)
