Moodus, Connecticut Best Auto Loan Rates - August 2026
Brian McKay
Brian McKay
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Current auto loan rates in Moodus, Connecticut include Polish And Slavic Federal Credit UnionPolish And Slavic Federal Credit UnionA+5.0 ★Texas Ratio: 2.57% offering Auto Loan at 2.99%, Torrington Municipal & Teachers Federal Credit UnionTorrington Municipal & Teachers Federal Credit UnionA+5.0 ★Texas Ratio: 1.24% offering New Vehicles Loan at 3.25%, Connecticut Labor Dept Federal Credit UnionConnecticut Labor Dept Federal Credit UnionA+5.0 ★Texas Ratio: 0.29% offering New Vehicle Loan at 3.49%, Riverbank Federal Credit UnionRiverbank Federal Credit UnionA+5.0 ★Texas Ratio: 0.45% offering New Vehicles - 4 Years Loan at 3.74%, FD Community Federal Credit UnionFD Community Federal Credit UnionA+5.0 ★Texas Ratio: 5.52% offering New, Unregistered Auto Loan at 3.99%. Auto loan rates as of August 28, 2026 according to verified data from MonitorBankRates.
Moodus borrowers have access to 42 lenders serving the Connecticut area, with auto loan rates as low as 2.99% APR from Polish And Slavic 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 Moodus, Connecticut. Auto Loan Rates Last Updated and Verified: August 28, 2026
Compare Auto Loan Rates Today in Moodus, Connecticut & Surrounding Area
Moodus Auto Loan Rates
As Low As; Advertised rate includes 0.25% discount for automatic payments from PSFCU checking account.
As low as; New Vehicles
As Low As; Vehicles 2025 or newer, up to 72 month term - new cars only.
As low as; will finance 100% up to 84 months
As Low As
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 are subject to change without notice.; APR= Annual Percentage Rate.; Rates are effective as of 05/01/26.
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; Payment example: $10,000.00 for 48 months at 4.25% APR is $226.96 a month.
As low as; CALL THE CREDIT UNION FOR RATE AND TERM INFO
As Low As
As Low As
As Low As; Fixed
As low as; Used Vehicles
As low as; New Vehicles
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 are subject to change without notice.; APR= Annual Percentage Rate.; Rates are effective as of 05/01/26.
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. Other terms available. 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.
2025 to 2027 Model Years
Rate assumes loan to value of 100% or less. Not all borrowers will qualify for the lowest interest rate.
As Low As; Advertised rates are for highly qualified applicants.
Includes demos & refinances of new auto loans from other institutions 120% financing***
120% financing***
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
As Low As; Repayment Term per Thousand: $43.77
As Low As; Repayment Term per Thousand: $29.87
As Low As; Repayment Term per Thousand: $22.92
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. Other terms available. 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.
As low as; New Vehicles
New vehicles: Maximum term of 8 years. 140% financing rates as low as 4.75% APR. Used vehicles: Maximum term based on age of vehicle. Rates as low as 4.75% APR.
Note 1
Vehicle model years 2022 to 2026
As low as; Used Vehicles
F
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; Repayment Term per Thousand: $18.88
As Low As
As Low As; Includes a .25% discount for maintaining a checking account with direct deposit and automatic loan payment.; Rates are subject to change without notice.; APR= Annual Percentage Rate.; Rates are effective as of 05/01/26.
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. Other terms available. 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.
2025 to 2027 Model Years
2018 to 2027 Model Years
As Low As; Advertised rates are for highly qualified applicants.
Credit Score: 730 plus; Credit Tier: A Plus
Model Year: 2025 - 2027
As Low As; Repayment Term per Thousand: $16.23
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
2019 to 2027 Model Years
As Low As
As Low As; Fixed
As Low As
Credit Score: 680-729; Credit Tier: A
Credit Score: 730 plus; Credit Tier: A Plus
Model Year: 2025 - 2027
As low as; Used Vehicles
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.
2025 & Newer
As Low As; Repayment Term per Thousand: $14.37
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available. 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.
2025 to 2027 Model Years
New vehicles: Maximum term of 8 years. 140% financing rates as low as 4.75% APR. Used vehicles: Maximum term based on age of vehicle. Rates as low as 4.75% APR.
Model Years 2023 - 2026; 100% Financing
As Low As;*
As Low As; Advertised rates are for highly qualified applicants.
As Low As
Credit Score: 730 plus; Credit Tier: A Plus
Model Year: 2025 - 2027
120% financing***
120% financing***
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
2022 - 2024
As Low As
As low as; Used Vehicles
With Direct Deposit
Model Years 2023 - 2026; 100% Financing
Credit Score: 680-729; Credit Tier: A
Credit Score: 730 plus; Credit Tier: A Plus
Model Year: 2023 - 2024
Model years: 2021 -2022 (older considered on case by case basis); Up to 100% financing available
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a new car would have a 5.94% APR for 60 months, monthly payment of $868.72 for $45,000 financing, down payment of $0.
Rates as low as 5.97%
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a used 2022 year car would have a 5.99% APR for 60 months, monthly payment of $579.84 for $30,000 financing, down payment of $0.
Model Year: 2021 - 2022
F
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
As Low As; Fixed
Credit Score: 700-850; Debt Ratio: 42%; Individual Limit: $50,000; Co-Signer Limit: $50,000
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. Other terms available. 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.
2023 to 2027 Model Years
As Low As;*
New vehicles: Maximum term of 8 years. 140% financing rates as low as 4.75% APR. Used vehicles: Maximum term based on age of vehicle. Rates as low as 4.75% APR.
Max Term is 60 Months on Used 2018 and Older.
Max Term is 60 Months on Used 2018 and Older.
Model Years 2021 - 2022; 100% Financing
As Low As; Advertised rates are for highly qualified applicants.
Credit Score: 640-679; Credit Tier: B
Credit Score: 680-729; Credit Tier: A
Model years: 2021 -2022 (older considered on case by case basis); Up to 100% financing available
2019 - 2021
As Low As; Includes a .25% discount for maintaining a checking account with direct deposit and automatic loan payment.; Rates are subject to change without notice.; APR= Annual Percentage Rate.; Rates are effective as of 05/01/26.
Moodus New Auto Auto Loan Rates
As low as; New Vehicles
As Low As; Vehicles 2025 or newer, up to 72 month term - new cars only.
As low as; will finance 100% up to 84 months
As low as; New Vehicles
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available.
As Low As; Payment example: $10,000.00 for 48 months at 4.25% APR is $226.96 a month.
As low as; CALL THE CREDIT UNION FOR RATE AND TERM INFO
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
Rate assumes loan to value of 100% or less. Not all borrowers will qualify for the lowest interest rate.
As Low As; Advertised rates are for highly qualified applicants.
Includes demos & refinances of new auto loans from other institutions 120% financing***
Model year: 2025 or newer with less than 7,000 miles; Up to 100% financing available
As Low As; Repayment Term per Thousand: $43.77
As Low As; Repayment Term per Thousand: $29.87
As Low As; Repayment Term per Thousand: $22.92
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available.
As low as; New Vehicles
New vehicles: Maximum term of 8 years. 140% financing rates as low as 4.75% APR. Used vehicles: Maximum term based on age of vehicle. Rates as low as 4.75% APR.
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; Repayment Term per Thousand: $18.88
As low as; Credit Score: 720+
2025 to 2027 Model Years
As Low As; Advertised rates are for highly qualified applicants.
As Low As; Repayment Term per Thousand: $16.23
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available.
As Low As
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; Repayment Term per Thousand: $14.37
2025 to 2027 Model Years
New vehicles: Maximum term of 8 years. 140% financing rates as low as 4.75% APR. Used vehicles: Maximum term based on age of vehicle. Rates as low as 4.75% APR.
As Low As; Advertised rates are for highly qualified applicants.
120% financing***
Model year: 2025 or newer with less than 7,000 miles; Up to 100% financing available
With Direct Deposit
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a new car would have a 5.94% APR for 60 months, monthly payment of $868.72 for $45,000 financing, down payment of $0.
Rates as low as 5.97%
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
New vehicles: Maximum term of 8 years. 140% financing rates as low as 4.75% APR. Used vehicles: Maximum term based on age of vehicle. Rates as low as 4.75% APR.
As Low As; Advertised rates are for highly qualified applicants.
Moodus Used Auto Auto Loan Rates
As Low As; Payment example: $10,000.00 for 48 months at 4.25% APR is $226.96 a month.
As low as; CALL THE CREDIT UNION FOR RATE AND TERM INFO
As low as; Used Vehicles
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available. 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.
120% financing***
Model years: 2023 or newer (and 2025 with more than 7,000 miles); Up to 100% financing available
As Low As; Repayment Term per Thousand: $43.77
As Low As; Repayment Term per Thousand: $29.87
As Low As; Repayment Term per Thousand: $22.92
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available. 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.
New vehicles: Maximum term of 8 years. 140% financing rates as low as 4.75% APR. Used vehicles: Maximum term based on age of vehicle. Rates as low as 4.75% APR.
Note 1
As low as; Used Vehicles
As Low As; Repayment Term per Thousand: $18.88
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. Other terms available. 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.
2018 to 2027 Model Years
As Low As; Repayment Term per Thousand: $16.23
2019 to 2027 Model Years
As low as; Used Vehicles
Vehicle model years 2017 to 2021
As Low As; Repayment Term per Thousand: $14.37
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available. 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.
New vehicles: Maximum term of 8 years. 140% financing rates as low as 4.75% APR. Used vehicles: Maximum term based on age of vehicle. Rates as low as 4.75% APR.
As Low As
120% financing***
Model years: 2023 or newer (and 2025 with more than 7,000 miles); Up to 100% financing available
As low as; Used Vehicles
Model years: 2021 -2022 (older considered on case by case basis); Up to 100% financing available
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a used 2022 year car would have a 5.99% APR for 60 months, monthly payment of $579.84 for $30,000 financing, down payment of $0.
Credit Score: 700-850; Debt Ratio: 42%; Individual Limit: $50,000; Co-Signer Limit: $50,000
As low as; Credit Score: 680 - 719
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available. 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.
2023 to 2027 Model Years
New vehicles: Maximum term of 8 years. 140% financing rates as low as 4.75% APR. Used vehicles: Maximum term based on age of vehicle. Rates as low as 4.75% APR.
Max Term is 60 Months on Used 2018 and Older.
Max Term is 60 Months on Used 2018 and Older.
Model years: 2021 -2022 (older considered on case by case basis); Up to 100% financing available
Moodus, CT Auto Loan Rate Trends
Compare local Moodus, 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 0.549 points over the past 7 days to 6.034% APR.
Connecticut used auto rates rose 0.420 points over the past 7 days to 6.465% APR.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Connecticut APRs. Even a small APR difference adds up over the life of a car loan — use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 6.03% APR CT average | Used Auto @ 6.46% APR CT average | Monthly Difference |
|---|---|---|---|
| $15,000 | $290.23/mo | $293.25/mo | $3.02/mo |
| $25,000 | $483.72/mo | $488.74/mo | $5.03/mo |
| $35,000 | $677.20/mo | $684.24/mo | $7.04/mo |
| $45,000 | $870.69/mo | $879.74/mo | $9.05/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
About Our Moodus, Connecticut Auto Loan Rate Database
Our Moodus, Connecticut auto loan tables currently track 42 banks and credit unions offering new and used vehicle financing to borrowers in this market. Every APR is sourced directly from the lender’s own website and re-verified regularly, so the rates you compare here reflect what lenders are actually advertising today — not stale or estimated numbers.
The lowest verified auto loan APR in our Moodus, Connecticut database right now is 3.25% APR from Torrington Municipal & Teachers Federal Credit Union. Advertised APRs typically assume excellent credit, so use the full rate table above to compare offers across your actual credit tier.
How to Get the Best Auto Loan Rate in Moodus, Connecticut
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Moodus, Connecticut locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups — dealers can legally add points to the rate a lender actually approved you for.
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Connecticut. Membership is usually easier to get than people expect — many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater” — owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs — CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
- Saving up for a bigger down payment → park it in a Moodus, Connecticut high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange → compare personal loan rates
- Car fund you won’t need for a set period → Moodus, Connecticut CD rates lock in a guaranteed return until you’re ready to buy
Moodus, Connecticut Financial Snapshot
Local demographics and economic context for car buyers — Source: U.S. Census Bureau
A $580 monthly car payment works out to roughly 13.4% of the median individual income in Moodus, Connecticut. Most budgeting guidelines suggest keeping total vehicle costs — payment, insurance, fuel, and maintenance — under 15–20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Moodus, Connecticut — but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies — can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1–3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0–2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify — always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Moodus, Connecticut. We’ve prefilled the APR with today’s CT new-auto average — or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Moodus, 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 Moodus, 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 Moodus, 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 Moodus, 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?
Should I get preapproved for an auto loan before visiting a dealer in Moodus, Connecticut?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
What are the best Auto Loan rates in Moodus, Connecticut?
- Polish And Slavic Federal Credit Union: 2.99% (Auto Loan)
- Torrington Municipal & Teachers Federal Credit Union: 3.25% (New Vehicles Loan)
- Connecticut Labor Dept Federal Credit Union: 3.49% (New Vehicle Loan)
- Riverbank Federal Credit Union: 3.74% (New Vehicles - 4 Years Loan)
- FD Community Federal Credit Union: 3.99% (New, Unregistered Auto Loan)
Moodus, Connecticut Rates & Resources
