W Hartford, Connecticut Best Auto Loan Rates - October 2026
Brian McKay
Brian McKay
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W Hartford, Connecticut auto loan rates from lenders serving Connecticut range from 2.99% to 5.50% APR, verified by MonitorBankRates as of October 23, 2026. Current auto loan rates in W Hartford, Connecticut include Polish And Slavic Federal Credit UnionPolish And Slavic Federal Credit UnionA+5.0 ★Texas Ratio: 1.64%Rate verified Oct 23, 2026 offering New Auto Loan - 1 year at 2.99%, Torrington Municipal & Teachers Federal Credit UnionTorrington Municipal & Teachers Federal Credit UnionA+5.0 ★Texas Ratio: 0.55%Rate verified Oct 23, 2026 offering New Vehicle Auto Loan at 3.25%, Connecticut Labor Dept Federal Credit UnionConnecticut Labor Dept Federal Credit UnionA+5.0 ★Texas Ratio: 1.78%Rate verified Oct 23, 2026 offering New Vehicle Loan at 3.49%, Riverbank Federal Credit UnionRiverbank Federal Credit UnionA+5.0 ★Texas Ratio: 2.71%Rate verified Oct 23, 2026 offering New Vehicle Loan - 4 Years at 3.74%, General Electric Employees Federal Credit UnionGeneral Electric Employees Federal Credit UnionA5.0 ★Texas Ratio: 8.00%Rate verified Oct 23, 2026 offering Vehicle Loan at 3.99%. Auto loan rates as of October 23, 2026 according to verified data from MonitorBankRates.
W Hartford borrowers have access to 45 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, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in W Hartford, Connecticut. Auto Loan Rates Last Updated and Verified: October 23, 2026
Compare Auto Loan Rates Today in W Hartford, Connecticut & Surrounding Area
W Hartford Auto Loan Rates
As Low As; Rate as low as 2.990%; APR as low as 2.990%; The above rates apply with automatic payment from the PSFCU Checking Account; rates are 0.25% higher without automatic payment
As Low As; Rate as low as 2.990%; APR as low as 2.990%; The above rates apply with automatic payment from the PSFCU Checking Account; rates are 0.25% higher without automatic payment
As Low As; Rate as low as 2.990%; APR as low as 2.990%; The above rates apply with automatic payment from the PSFCU Checking Account; rates are 0.25% higher without automatic payment
As Low As; Rate as low as 2.990%; APR as low as 2.990%; The above rates apply with automatic payment from the PSFCU Checking Account; rates are 0.25% higher without automatic payment
As Low As; The rate you pay will be determined by your credit score and length of the loan.
As Low As; Amount Financed: 100% financing; Conditions: Vehicles 2025 or newer, up to72 month term - new cars only. Rates include autos, trucks, motorcycles, RVs loans.
As Low As; Rate as low as 3.500%; APR as low as 3.500%; The above rates apply with automatic payment from the PSFCU Checking Account; rates are 0.25% higher without automatic payment
As Low As; Amount Financed: $65,000.00 or less; Conditions: will finance 100% up to 84 months. Rates include autos, trucks, motorcycles, RVs loans.
As Low As; New Vehicles (2025 - 2026); Repayment Term per Thousand: $22.47
As Low As; Model Years 2025 - 2026
As Low As; New Vehicles (2025 - 2026); Repayment Term per Thousand: $18.42
As Low As; Model Years 2025 - 2026
Term: Fixed up to 48 months; As Low As; Rate is determined by your credit history and the loan term
Term: Fixed up to 60 months; As Low As; Rate is determined by your credit history and the loan term
As Low As; The rate you pay will be determined by your credit score and length of the loan.
As Low As; The rate you pay will be determined by your credit score and length of the loan.
Newer model auto loan rates for vehicles from the current or previous year with 7,500 miles or less; includes 1% direct deposit discount; actual rate may be higher based on credit history
Newer model auto loan rates for vehicles from the current or previous year with 7,500 miles or less; includes 1% direct deposit discount; actual rate may be higher based on credit history
Newer model auto loan rates for vehicles from the current or previous year with 7,500 miles or less; includes 1% direct deposit discount; actual rate may be higher based on credit history
As Low As; Rates 0.25% higher without automatic payment from PSFCU Checking Account
As Low As; Rates 0.25% higher without automatic payment from PSFCU Checking Account
As Low As; Rates 0.25% higher without automatic payment from PSFCU Checking Account
As Low As; Rates 0.25% higher without automatic payment from PSFCU Checking Account
New means titled as new and not used
As Low As; New vehicles: 2025 and newer model years with 30,000 or fewer miles
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles, or 7,500-30,000 miles (late model used vehicles); Rates as of Oct 19, 2026 ET
As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET
- Oct 20, 20264.19%▲ from 3.89%
- Sep 30, 20263.89%first recorded
As Low As; New Vehicles (2025 - 2026); Repayment Term per Thousand: $15.76
As Low As; Model Years 2025 - 2026
As Low As; Fixed Rates; 110% Financing available; Call the credit union for rate and term info
As Low As; The rate you pay will be determined by your credit score and length of the loan.
As Low As; The rate you pay will be determined by your credit score and length of the loan.
As Low As; Model Year: 2025 or newer with less than 7,000 miles; Percent of Financing: Up to 100% financing available
Fixed Rate; Model Year: 2025 or Newer (less than 5k miles)
Fixed Rate; Model Year: 2025 or Newer (less than 5k miles)
Fixed Rate; Model Year: 2025 or Newer (less than 5k miles)
Model Year: New, Unregistered; Rates stated effective as of 9/25/2026
As Low As; New Vehicles (2025 - 2026); Repayment Term per Thousand: $13.90
As Low As; Model Years 2025 - 2026
Model Years 2023 - 2026; 100% Financing
- Oct 19, 20264.49%▲ from 4.24%
- Sep 29, 20264.24%first recorded
As Low As; Model Years 2025 to 2027; APRs include .26% discount for LTV of 80% or less or automatic payment from DPCU checking; Vehicle mileage cannot exceed 10,000 miles; Effective Date: October 1, 2026
New means titled as new and not used
100% Financing; With 700 Credit Score or above; For autos over $50,000 - 90% financing maximum; Financing does not include sales tax, tags, destination charges, etc.
As Low As; Rates 0.25% higher without automatic payment from PSFCU Checking Account
As Low As; Starting at; New vehicles (autos/trucks/SUVs)
As Low As; Starting at; Rates effective 9/23/2023
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles, or 7,500-30,000 miles (late model used vehicles); Rates as of Oct 19, 2026 ET
As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET
- Oct 20, 20264.59%▲ from 4.29%
- Sep 30, 20264.29%first recorded
Model Year: New, Unregistered; Rates stated effective as of 9/25/2026
As Low As; Model Year: 2025 or newer with less than 7,000 miles; Percent of Financing: Up to 100% financing available
As Low As; Model Years: 2023 or newer (and 2025 with more than 7,000 miles); Percent of Financing: Up to 100% financing available
As Low As; Used Vehicles (2019 and newer)
As Low As; Used Vehicles (2019 and newer)
As Low As; Used Vehicles (2019 and newer)
As Low As; APR as low as
As Low As; APR as low as
As Low As; APR as low as
As Low As; Model Year: 2019-2025; Includes .25% discount for maintaining a checking account with direct deposit and automatic loan payment; Rates effective as of 10/06/26
- Oct 8, 20264.74%▲ from 4.24%
- Sep 12, 20264.24%first recorded
Newer model auto loan rates for vehicles from the current or previous year with 7,500 miles or less; includes 1% direct deposit discount; actual rate may be higher based on credit history
Used auto loan rates are for model years 2020 or newer; maximum mileage 125,000 miles; rates include 1% direct deposit discount; actual rate may be higher based on credit history
Used auto loan rates are for model years 2020 or newer; maximum mileage 125,000 miles; rates include 1% direct deposit discount; actual rate may be higher based on credit history
Used auto loan rates are for model years 2020 or newer; maximum mileage 125,000 miles; rates include 1% direct deposit discount; actual rate may be higher based on credit history
Model Year: New, Unregistered; Rates stated effective as of 9/25/2026
New means titled as new and not used
APR = Annual Percentage Rate; rate may vary based on credit history
Used vehicle loan; APR*. Rate may vary based on credit history.
As Low As; The rate you pay will be determined by your credit score and length of the loan.
100% Financing; With 700 Credit Score or above; For autos over $50,000 - 90% financing maximum; Financing does not include sales tax, tags, destination charges, etc.
As Low As; Maximum Loan to Value of 115% NADA Book Value; Loan special until 12/31/2026
- Oct 6, 20264.75%▼ from 5.25%
- Sep 14, 20265.25%first recorded
Maximum Amount: $100,000; Percent Financed: 125%
Maximum Amount: $60,000; Percent Financed: 125%; Note 1: Up to 6 model years old, percent financed refers to selling price of auto including tax, title, warranties and conveyance fees not to exceed book value
As Low As; Vehicle model years 2022 to 2026; Competitive interest rates starting at just 4.85% APR
Model years 2022-2026
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles, or 7,500-30,000 miles (late model used vehicles); Rates as of Oct 19, 2026 ET
As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET
- Oct 20, 20264.89%▲ from 4.59%
- Sep 30, 20264.59%first recorded
As Low As; The rate you pay will be determined by your credit score and length of the loan.
New Cars; The Credit Union will finance 100% of the purchase price of the vehicle including tax, registration and any extended warranty.; Maximum car loan is $75,000.00.
New Cars; The Credit Union will finance 100% of the purchase price of the vehicle including tax, registration and any extended warranty.; Maximum car loan is $75,000.00.
New Cars; The Credit Union will finance 100% of the purchase price of the vehicle including tax, registration and any extended warranty.; Maximum car loan is $75,000.00.
Up to $40,000.00 max; up to 100% financing including taxes and registration
Fixed Rate; Model Year: 2021 - 2025
Fixed Rate; Model Year: 2021 - 2025
Fixed Rate; Model Year: 2021 - 2025
Fixed Rate; Model Year: 2025 or Newer (less than 5k miles)
As Low As; Platinum credit and loan amount of $25,000; rate determined by credit history and term; APR includes 0.25% discount with Auto Pay from Ellafi FCU checking
New automobile (vehicle less than two years old); Effective Date: 10/14/2026
New automobile (vehicle less than two years old); Effective Date: 10/14/2026
New automobile (vehicle less than two years old); Effective Date: 10/14/2026
Model Year: 2021-2026; Rates stated effective as of 9/25/2026
As Low As; Used Vehicles (2019 and newer)
As Low As; APR as low as
Term: Fixed up to 72 months; As Low As; Rate is determined by your credit history and the loan term
APR = Annual Percentage Rate; rate may vary based on credit history
Used vehicle loan; APR*. Rate may vary based on credit history.
As Low As; Model Year: 2019-2025; Includes .25% discount for maintaining a checking account with direct deposit and automatic loan payment; Rates effective as of 10/06/26
- Oct 8, 20264.99%▲ from 4.49%
- Sep 12, 20264.49%first recorded
As Low As; Credit Score: 720+; Max Term: 60 months; For a 72-Month Term add 1% to each rate; For an 84-Month Term add 1.5% to each rate
- Sep 17, 20264.99%▼ from 7.59%
- Sep 14, 20267.59%first recorded
As Low As; Credit Score: 720+; Max Term: 60 months; For a 72-Month Term add 1% to each rate; For an 84-Month Term add 1.5% to each rate
- Sep 17, 20264.99%▼ from 7.59%
- Sep 14, 20267.59%first recorded
As Low As; The rate you pay will be determined by your credit score and length of the loan.
Newer model auto loan rates for vehicles from the current or previous year with 7,500 miles or less; includes 1% direct deposit discount; actual rate may be higher based on credit history
Used auto loan rates are for model years 2020 or newer; maximum mileage 125,000 miles; rates include 1% direct deposit discount; actual rate may be higher based on credit history
100% Financing; With 700 Credit Score or above; For autos over $50,000 - 90% financing maximum; Financing does not include sales tax, tags, destination charges, etc.
As Low As; Rate as low as 4.990%; APR as low as 4.990%; The above rates apply with automatic payment from the PSFCU Checking Account; rates are 0.25% higher without automatic payment
As Low As; Model Years 2025 to 2027; APRs include .26% discount for LTV of 80% or less or automatic payment from DPCU checking; Vehicle mileage cannot exceed 10,000 miles; Effective Date: October 1, 2026
As Low As; Model Years: 2018 to 2027; Vehicle mileage cannot exceed 125,000 miles; APR includes .26% discount for LTV of 80% or less or automatic payment from a DPCU checking account; Effective Date: October 1, 2026
As Low As; Rates effective 10/1/2026; Rate assumes loan to value of 100% or less; Not all borrowers will qualify for the lowest interest rate
Rates as of March 1, 2026; new auto loan rate for new car purchases only; vehicle model year must be 2019 or newer; floor of 4.99% or current posted rate that benefits members lowest rate option
Rates as of March 1, 2026; new auto loan rate for new car purchases only; vehicle model year must be 2019 or newer; floor of 4.99% or current posted rate that benefits members lowest rate option
Rates as of March 1, 2026; new auto loan rate for new car purchases only; vehicle model year must be 2019 or newer; floor of 4.99% or current posted rate that benefits members lowest rate option
Max. Amount: 100% of value
Max. Amount: 100% of value
Max. Amount: 100% of value
Max. Amount: 100% of value
Max. Amount: 100% of value
Max. Amount: 100% of value
Max. Amount: 100% of value
Model Year: New, Unregistered; Rates stated effective as of 9/25/2026
New means titled as new and not used
90% Financing; *With 700 Credit Score or above; Financing does not include sales tax, tags, destination charges, etc.
Fair Isaac Score: 730+; Credit Grade: A+
Fair Isaac Score: 730+; Credit Grade: A+
As Low As; Starting at; New vehicles (autos/trucks/SUVs)
As Low As; Starting at; Rates effective 9/23/2023
Credit Score: 730 plus; Credit Tier: A Plus
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 19, 2026 ET
As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET
- Oct 20, 20265.09%▲ from 4.79%
- Sep 30, 20264.79%first recorded
As Low As; rate determined by credit history and term; APR includes 0.25% discount with Auto Pay from Ellafi FCU checking
Model Year: 2021-2026; Rates stated effective as of 9/25/2026
As Low As; Used vehicles: 2024 and older model years or any model year with over 30,000 miles
As Low As; Model Year: 2025 - 2027
As Low As; 60-month auto loan options; as of Oct. 19, 2026; excludes BofA Rewards discount up to 0.50%; advertised APR assumes excellent credit history
- Oct 20, 20265.24%▼ from 5.49%
- Sep 27, 20265.49%▲ from 5.39%
- Sep 18, 20265.39%first recorded
As Low As; Used Vehicles (2019 and newer)
As Low As; APR as low as
Credit Score: 700-850; Debt Ratio: 42%; Individual: $60,000; Co-Signer: $60,000
Newer model auto loan rates for vehicles from the current or previous year with 7,500 miles or less; includes 1% direct deposit discount; actual rate may be higher based on credit history
Used auto loan rates are for model years 2020 or newer; maximum mileage 125,000 miles; rates include 1% direct deposit discount; actual rate may be higher based on credit history
As Low As; Model Years: 2019 to 2027; Vehicle mileage cannot exceed 125,000 miles; APR includes .26% discount for LTV of 80% or less or automatic payment from a DPCU checking account; Effective Date: October 1, 2026
Rate includes .25% reduction for automatic payment from a Stafford Savings Bank checking account, subject to conditions; Rates current as of August 12, 2026
Model Year: 2021-2026; Rates stated effective as of 9/25/2026
APR = Annual Percentage Rate; rate may vary based on credit history
Used vehicle loan; APR*. Rate may vary based on credit history.
90% Financing; *With 700 Credit Score or above; Financing does not include sales tax, tags, destination charges, etc.
As Low As; Rate Effective Date: October 1, 2026; Available only for cars up to 3 years old
Fair Isaac Score: 730+; Credit Grade: A+
Fair Isaac Score: 680-729; Credit Grade: A
Fair Isaac Score: 680-729; Credit Grade: A
Fair Isaac Score: 730+; Credit Grade: A+
As Low As; The rate you pay will be determined by the term of the loan and your credit history available on approved credit
Credit Score: 730 plus; Credit Tier: A Plus
Credit Score: 680-729; Credit Tier: A
As Low As; 100% financing; see footnotes (3)(4)(5)
As Low As; 100% financing; see footnotes (3)(4)(5)
As Low As; 100% financing; see footnotes (3)(4)(5)
As Low As; 100% financing; see footnotes (3)(4)(5)
As Low As; 100% financing; see footnotes (3)(4)(5)(6)(7)
As Low As; 100% financing; see footnotes (3)(4)(5)(6)(7)
As Low As; 100% financing; see footnotes (3)(4)(5)(6)(7)
Model Year: 2023 - 2025; Max. Amount: 100% of value
As Low As; Model Year: 2025 - 2027
As Low As; The rate you pay will be determined by your credit score and length of the loan.
Model years 2022-2026; Terms of 6 years on vehicle loans of $30,000 or more
As Low As; Vehicle model years 2017 to 2021; Competitive interest rates starting at just 5.35% APR
Model years 2017-2021
Up to $40,000.00 max; up to 100% financing including taxes and registration
As Low As; Rate Effective Date: October 1, 2026
As Low As; Model Year: 2023 - 2024
As Low As; 60-month auto loan options; as of Oct. 19, 2026; excludes BofA Rewards discount up to 0.50%; advertised APR assumes excellent credit history
- Oct 20, 20265.44%▼ from 5.69%
- Sep 27, 20265.69%▲ from 5.59%
- Sep 18, 20265.59%first recorded
As Low As; Rate Effective Date: October 1, 2026
As Low As; Rate determined by credit history and term; Platinum credit and loan amount of $25,000; APR includes 0.25% discount with Auto Pay from Ellafi FCU checking
New automobile (vehicle less than two years old); Effective Date: 10/14/2026
As Low As; Model Year: 2025 & Newer
As Low As; Used Vehicles (2019 and newer); 2020 or newer; $25,000 minimum loan amount; 75,000 maximum mileage
As Low As; APR as low as; * 2020 or newer, $25,000 minimum loan amount, 75,000 maximum mileage
APR = Annual Percentage Rate; rate may vary based on credit history
As Low As; Model Year: 2019-2025; Includes .25% discount for maintaining a checking account with direct deposit and automatic loan payment; Rates effective as of 10/06/26
- Oct 8, 20265.49%▲ from 4.99%
- Sep 12, 20264.99%first recorded
Model Years 2023 - 2026; 100% Financing
- Oct 19, 20265.49%▲ from 5.24%
- Sep 14, 20265.24%first recorded
As Low As; Model Years 2025 to 2027; APRs include .26% discount for LTV of 80% or less or automatic payment from DPCU checking; Vehicle mileage cannot exceed 10,000 miles; Effective Date: October 1, 2026
As Low As; Loan Amount minimum: $20,000; New vehicles maximum term 8 years; 140% financing rates as low as 4.75% APR
- Sep 27, 20265.49%▲ from 4.75%
- Sep 14, 20264.75%first recorded
Rate includes .25% reduction for automatic payment from a Stafford Savings Bank checking account, subject to conditions; Rates current as of August 12, 2026
Model Year: 2021-2026; Rates stated effective as of 9/25/2026
New means titled as new and not used
90% Financing; *With 700 Credit Score or above; Financing does not include sales tax, tags, destination charges, etc.
- Sep 21, 20265.50%▲ from 5.25%
- Sep 17, 20265.25%first recorded
As Low As; Rate Effective Date: October 1, 2026; Available only for cars up to 3 years old
Fair Isaac Score: 730+; Credit Grade: A+
Fair Isaac Score: 730+; Credit Grade: A+
As Low As; Rates as low as*; APR = Annual Percentage Rate; Refinance minimum $10,000 for non-Achieve loans; Vehicles must be registered in Connecticut; Payment example: 48 month term at 5.50% APR =
As Low As; Starting at; New vehicles (autos/trucks/SUVs)
As Low As; Starting at; Rates effective 9/23/2023
As Low As; The rate you pay will be determined by the term of the loan and your credit history available on approved credit
Featured rate from homepage carousel; rate type not labeled
- Oct 9, 20265.50%▲ from 5.25%
- Sep 14, 20265.25%first recorded
Credit Score: 730 plus; Credit Tier: A Plus
As Low As; Lowest available rate, subject to credit approval and underwriting; rates vary by term, vehicle age, loan amount, and collateral value; new and used vehicles and motorcycles; purchase or refinance; pre-approvals available
As Low As; Financing based on NADA Average Retail Value; Lowest advertised APR requires 48-month term, automatic payment and LTV under 80%
As Low As; Max age 1 years; Max 5,000 miles; Financing based on NADA Average Retail Value; Lowest advertised APR requires 48-month term, automatic payment and LTV under 80%
As Low As; Max age 7 years; Max 100,000 miles; Financing based on NADA Average Retail Value; Lowest advertised APR requires 48-month term, automatic payment and LTV under 80%
W Hartford New Auto Auto Loan Rates
As Low As; Rate as low as 2.990%; APR as low as 2.990%; The above rates apply with automatic payment from the PSFCU Checking Account; rates are 0.25% higher without automatic payment
As Low As; Rate as low as 2.990%; APR as low as 2.990%; The above rates apply with automatic payment from the PSFCU Checking Account; rates are 0.25% higher without automatic payment
As Low As; Rate as low as 2.990%; APR as low as 2.990%; The above rates apply with automatic payment from the PSFCU Checking Account; rates are 0.25% higher without automatic payment
As Low As; Rate as low as 2.990%; APR as low as 2.990%; The above rates apply with automatic payment from the PSFCU Checking Account; rates are 0.25% higher without automatic payment
As Low As; The rate you pay will be determined by your credit score and length of the loan.
As Low As; Amount Financed: 100% financing; Conditions: Vehicles 2025 or newer, up to72 month term - new cars only. Rates include autos, trucks, motorcycles, RVs loans.
As Low As; Rate as low as 3.500%; APR as low as 3.500%; The above rates apply with automatic payment from the PSFCU Checking Account; rates are 0.25% higher without automatic payment
As Low As; Amount Financed: $65,000.00 or less; Conditions: will finance 100% up to 84 months. Rates include autos, trucks, motorcycles, RVs loans.
As Low As; New Vehicles (2025 - 2026); Repayment Term per Thousand: $22.47
As Low As; Model Years 2025 - 2026
As Low As; New Vehicles (2025 - 2026); Repayment Term per Thousand: $18.42
As Low As; Model Years 2025 - 2026
As Low As; The rate you pay will be determined by your credit score and length of the loan.
As Low As; The rate you pay will be determined by your credit score and length of the loan.
Newer model auto loan rates for vehicles from the current or previous year with 7,500 miles or less; includes 1% direct deposit discount; actual rate may be higher based on credit history
Newer model auto loan rates for vehicles from the current or previous year with 7,500 miles or less; includes 1% direct deposit discount; actual rate may be higher based on credit history
Newer model auto loan rates for vehicles from the current or previous year with 7,500 miles or less; includes 1% direct deposit discount; actual rate may be higher based on credit history
New means titled as new and not used
As Low As; New vehicles: 2025 and newer model years with 30,000 or fewer miles
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles, or 7,500-30,000 miles (late model used vehicles); Rates as of Oct 19, 2026 ET
As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET
- Oct 20, 20264.19%▲ from 3.89%
- Sep 30, 20263.89%first recorded
As Low As; New Vehicles (2025 - 2026); Repayment Term per Thousand: $15.76
As Low As; Model Years 2025 - 2026
As Low As; Fixed Rates; 110% Financing available; Call the credit union for rate and term info
As Low As; The rate you pay will be determined by your credit score and length of the loan.
As Low As; Model Year: 2025 or newer with less than 7,000 miles; Percent of Financing: Up to 100% financing available
Fixed Rate; Model Year: 2025 or Newer (less than 5k miles)
Fixed Rate; Model Year: 2025 or Newer (less than 5k miles)
Fixed Rate; Model Year: 2025 or Newer (less than 5k miles)
As Low As; New Vehicles (2025 - 2026); Repayment Term per Thousand: $13.90
As Low As; Model Years 2025 - 2026
As Low As; Model Years 2025 to 2027; APRs include .26% discount for LTV of 80% or less or automatic payment from DPCU checking; Vehicle mileage cannot exceed 10,000 miles; Effective Date: October 1, 2026
New means titled as new and not used
100% Financing; With 700 Credit Score or above; For autos over $50,000 - 90% financing maximum; Financing does not include sales tax, tags, destination charges, etc.
As Low As; Starting at; New vehicles (autos/trucks/SUVs)
As Low As; Starting at; Rates effective 9/23/2023
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles, or 7,500-30,000 miles (late model used vehicles); Rates as of Oct 19, 2026 ET
As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET
- Oct 20, 20264.59%▲ from 4.29%
- Sep 30, 20264.29%first recorded
As Low As; Model Year: 2025 or newer with less than 7,000 miles; Percent of Financing: Up to 100% financing available
As Low As; Used Vehicles (2019 and newer)
As Low As; Used Vehicles (2019 and newer)
As Low As; Used Vehicles (2019 and newer)
As Low As; APR as low as
As Low As; APR as low as
As Low As; APR as low as
Newer model auto loan rates for vehicles from the current or previous year with 7,500 miles or less; includes 1% direct deposit discount; actual rate may be higher based on credit history
New means titled as new and not used
APR = Annual Percentage Rate; rate may vary based on credit history
As Low As; The rate you pay will be determined by your credit score and length of the loan.
100% Financing; With 700 Credit Score or above; For autos over $50,000 - 90% financing maximum; Financing does not include sales tax, tags, destination charges, etc.
As Low As; Maximum Loan to Value of 115% NADA Book Value; Loan special until 12/31/2026
- Oct 6, 20264.75%▼ from 5.25%
- Sep 14, 20265.25%first recorded
Maximum Amount: $100,000; Percent Financed: 125%
As Low As; Vehicle model years 2022 to 2026; Competitive interest rates starting at just 4.85% APR
Model years 2022-2026
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles, or 7,500-30,000 miles (late model used vehicles); Rates as of Oct 19, 2026 ET
As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET
- Oct 20, 20264.89%▲ from 4.59%
- Sep 30, 20264.59%first recorded
New Cars; The Credit Union will finance 100% of the purchase price of the vehicle including tax, registration and any extended warranty.; Maximum car loan is $75,000.00.
New Cars; The Credit Union will finance 100% of the purchase price of the vehicle including tax, registration and any extended warranty.; Maximum car loan is $75,000.00.
New Cars; The Credit Union will finance 100% of the purchase price of the vehicle including tax, registration and any extended warranty.; Maximum car loan is $75,000.00.
Up to $40,000.00 max; up to 100% financing including taxes and registration
Fixed Rate; Model Year: 2025 or Newer (less than 5k miles)
As Low As; Platinum credit and loan amount of $25,000; rate determined by credit history and term; APR includes 0.25% discount with Auto Pay from Ellafi FCU checking
New automobile (vehicle less than two years old); Effective Date: 10/14/2026
New automobile (vehicle less than two years old); Effective Date: 10/14/2026
New automobile (vehicle less than two years old); Effective Date: 10/14/2026
As Low As; Used Vehicles (2019 and newer)
As Low As; APR as low as
APR = Annual Percentage Rate; rate may vary based on credit history
As Low As; Credit Score: 720+; Max Term: 60 months; For a 72-Month Term add 1% to each rate; For an 84-Month Term add 1.5% to each rate
- Sep 17, 20264.99%▼ from 7.59%
- Sep 14, 20267.59%first recorded
Newer model auto loan rates for vehicles from the current or previous year with 7,500 miles or less; includes 1% direct deposit discount; actual rate may be higher based on credit history
100% Financing; With 700 Credit Score or above; For autos over $50,000 - 90% financing maximum; Financing does not include sales tax, tags, destination charges, etc.
As Low As; Rate as low as 4.990%; APR as low as 4.990%; The above rates apply with automatic payment from the PSFCU Checking Account; rates are 0.25% higher without automatic payment
As Low As; Model Years 2025 to 2027; APRs include .26% discount for LTV of 80% or less or automatic payment from DPCU checking; Vehicle mileage cannot exceed 10,000 miles; Effective Date: October 1, 2026
Rates as of March 1, 2026; new auto loan rate for new car purchases only; vehicle model year must be 2019 or newer; floor of 4.99% or current posted rate that benefits members lowest rate option
Rates as of March 1, 2026; new auto loan rate for new car purchases only; vehicle model year must be 2019 or newer; floor of 4.99% or current posted rate that benefits members lowest rate option
Rates as of March 1, 2026; new auto loan rate for new car purchases only; vehicle model year must be 2019 or newer; floor of 4.99% or current posted rate that benefits members lowest rate option
New means titled as new and not used
As Low As; Starting at; New vehicles (autos/trucks/SUVs)
As Low As; Starting at; Rates effective 9/23/2023
As Low As; rate determined by credit history and term; APR includes 0.25% discount with Auto Pay from Ellafi FCU checking
As Low As; 60-month auto loan options; as of Oct. 19, 2026; excludes BofA Rewards discount up to 0.50%; advertised APR assumes excellent credit history
- Oct 20, 20265.24%▼ from 5.49%
- Sep 27, 20265.49%▲ from 5.39%
- Sep 18, 20265.39%first recorded
As Low As; Used Vehicles (2019 and newer)
As Low As; APR as low as
Credit Score: 700-850; Debt Ratio: 42%; Individual: $60,000; Co-Signer: $60,000
Newer model auto loan rates for vehicles from the current or previous year with 7,500 miles or less; includes 1% direct deposit discount; actual rate may be higher based on credit history
Rate includes .25% reduction for automatic payment from a Stafford Savings Bank checking account, subject to conditions; Rates current as of August 12, 2026
APR = Annual Percentage Rate; rate may vary based on credit history
As Low As; Rate Effective Date: October 1, 2026; Available only for cars up to 3 years old
As Low As; The rate you pay will be determined by the term of the loan and your credit history available on approved credit
As Low As; 100% financing; see footnotes (3)(4)(5)
As Low As; 100% financing; see footnotes (3)(4)(5)
As Low As; 100% financing; see footnotes (3)(4)(5)
As Low As; 100% financing; see footnotes (3)(4)(5)
Model years 2022-2026; Terms of 6 years on vehicle loans of $30,000 or more
Up to $40,000.00 max; up to 100% financing including taxes and registration
As Low As; Rate Effective Date: October 1, 2026
As Low As; Rate Effective Date: October 1, 2026
New automobile (vehicle less than two years old); Effective Date: 10/14/2026
As Low As; Used Vehicles (2019 and newer); 2020 or newer; $25,000 minimum loan amount; 75,000 maximum mileage
As Low As; APR as low as; * 2020 or newer, $25,000 minimum loan amount, 75,000 maximum mileage
APR = Annual Percentage Rate; rate may vary based on credit history
As Low As; Model Years 2025 to 2027; APRs include .26% discount for LTV of 80% or less or automatic payment from DPCU checking; Vehicle mileage cannot exceed 10,000 miles; Effective Date: October 1, 2026
As Low As; Loan Amount minimum: $20,000; New vehicles maximum term 8 years; 140% financing rates as low as 4.75% APR
- Sep 27, 20265.49%▲ from 4.75%
- Sep 14, 20264.75%first recorded
Rate includes .25% reduction for automatic payment from a Stafford Savings Bank checking account, subject to conditions; Rates current as of August 12, 2026
New means titled as new and not used
- Sep 21, 20265.50%▲ from 5.25%
- Sep 17, 20265.25%first recorded
As Low As; Starting at; New vehicles (autos/trucks/SUVs)
As Low As; Starting at; Rates effective 9/23/2023
Featured rate from homepage carousel; rate type not labeled
- Oct 9, 20265.50%▲ from 5.25%
- Sep 14, 20265.25%first recorded
As Low As; Max age 1 years; Max 5,000 miles; Financing based on NADA Average Retail Value; Lowest advertised APR requires 48-month term, automatic payment and LTV under 80%
W Hartford Used Auto Auto Loan Rates
As Low As; Rates 0.25% higher without automatic payment from PSFCU Checking Account
As Low As; Rates 0.25% higher without automatic payment from PSFCU Checking Account
As Low As; Rates 0.25% higher without automatic payment from PSFCU Checking Account
As Low As; Rates 0.25% higher without automatic payment from PSFCU Checking Account
As Low As; Fixed Rates; 110% Financing available; Call the credit union for rate and term info
As Low As; The rate you pay will be determined by your credit score and length of the loan.
As Low As; Rates 0.25% higher without automatic payment from PSFCU Checking Account
As Low As; Model Years: 2023 or newer (and 2025 with more than 7,000 miles); Percent of Financing: Up to 100% financing available
As Low As; Used Vehicles (2019 and newer)
As Low As; Used Vehicles (2019 and newer)
As Low As; Used Vehicles (2019 and newer)
As Low As; APR as low as
As Low As; APR as low as
As Low As; APR as low as
Used auto loan rates are for model years 2020 or newer; maximum mileage 125,000 miles; rates include 1% direct deposit discount; actual rate may be higher based on credit history
Used auto loan rates are for model years 2020 or newer; maximum mileage 125,000 miles; rates include 1% direct deposit discount; actual rate may be higher based on credit history
Used auto loan rates are for model years 2020 or newer; maximum mileage 125,000 miles; rates include 1% direct deposit discount; actual rate may be higher based on credit history
Used vehicle loan; APR*. Rate may vary based on credit history.
As Low As; Maximum Loan to Value of 115% NADA Book Value; Loan special until 12/31/2026
- Oct 6, 20264.75%▼ from 5.25%
- Sep 14, 20265.25%first recorded
Maximum Amount: $60,000; Percent Financed: 125%; Note 1: Up to 6 model years old, percent financed refers to selling price of auto including tax, title, warranties and conveyance fees not to exceed book value
As Low As; The rate you pay will be determined by your credit score and length of the loan.
As Low As; Used Vehicles (2019 and newer)
As Low As; APR as low as
Used vehicle loan; APR*. Rate may vary based on credit history.
As Low As; Credit Score: 720+; Max Term: 60 months; For a 72-Month Term add 1% to each rate; For an 84-Month Term add 1.5% to each rate
- Sep 17, 20264.99%▼ from 7.59%
- Sep 14, 20267.59%first recorded
As Low As; The rate you pay will be determined by your credit score and length of the loan.
Used auto loan rates are for model years 2020 or newer; maximum mileage 125,000 miles; rates include 1% direct deposit discount; actual rate may be higher based on credit history
As Low As; Model Years: 2018 to 2027; Vehicle mileage cannot exceed 125,000 miles; APR includes .26% discount for LTV of 80% or less or automatic payment from a DPCU checking account; Effective Date: October 1, 2026
As Low As; Rates effective 10/1/2026; Rate assumes loan to value of 100% or less; Not all borrowers will qualify for the lowest interest rate
90% Financing; *With 700 Credit Score or above; Financing does not include sales tax, tags, destination charges, etc.
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 19, 2026 ET
As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET
- Oct 20, 20265.09%▲ from 4.79%
- Sep 30, 20264.79%first recorded
As Low As; Used vehicles: 2024 and older model years or any model year with over 30,000 miles
As Low As; Used Vehicles (2019 and newer)
As Low As; APR as low as
Used auto loan rates are for model years 2020 or newer; maximum mileage 125,000 miles; rates include 1% direct deposit discount; actual rate may be higher based on credit history
As Low As; Model Years: 2019 to 2027; Vehicle mileage cannot exceed 125,000 miles; APR includes .26% discount for LTV of 80% or less or automatic payment from a DPCU checking account; Effective Date: October 1, 2026
Used vehicle loan; APR*. Rate may vary based on credit history.
90% Financing; *With 700 Credit Score or above; Financing does not include sales tax, tags, destination charges, etc.
As Low As; 100% financing; see footnotes (3)(4)(5)(6)(7)
As Low As; 100% financing; see footnotes (3)(4)(5)(6)(7)
As Low As; 100% financing; see footnotes (3)(4)(5)(6)(7)
As Low As; The rate you pay will be determined by your credit score and length of the loan.
As Low As; Vehicle model years 2017 to 2021; Competitive interest rates starting at just 5.35% APR
Model years 2017-2021
As Low As; 60-month auto loan options; as of Oct. 19, 2026; excludes BofA Rewards discount up to 0.50%; advertised APR assumes excellent credit history
- Oct 20, 20265.44%▼ from 5.69%
- Sep 27, 20265.69%▲ from 5.59%
- Sep 18, 20265.59%first recorded
As Low As; Rate determined by credit history and term; Platinum credit and loan amount of $25,000; APR includes 0.25% discount with Auto Pay from Ellafi FCU checking
As Low As; Used Vehicles (2019 and newer); 2020 or newer; $25,000 minimum loan amount; 75,000 maximum mileage
As Low As; APR as low as; * 2020 or newer, $25,000 minimum loan amount, 75,000 maximum mileage
As Low As; Loan Amount minimum: $20,000; New vehicles maximum term 8 years; 140% financing rates as low as 4.75% APR
- Sep 27, 20265.49%▲ from 4.75%
- Sep 14, 20264.75%first recorded
90% Financing; *With 700 Credit Score or above; Financing does not include sales tax, tags, destination charges, etc.
As Low As; Rate Effective Date: October 1, 2026; Available only for cars up to 3 years old
As Low As; The rate you pay will be determined by the term of the loan and your credit history available on approved credit
As Low As; Max age 7 years; Max 100,000 miles; Financing based on NADA Average Retail Value; Lowest advertised APR requires 48-month term, automatic payment and LTV under 80%
W Hartford, CT Auto Loan Rate Trends
Compare local W Hartford, 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 0.095 points over the past 7 days to 5.450% APR.
Connecticut used auto rates rose 0.078 points over the past 7 days to 6.145% APR.
W Hartford, CT Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Connecticut figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
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 @ 5.45% APR CT average | Used Auto @ 6.15% APR CT average | Monthly Difference |
|---|---|---|---|
| $15,000 | $286.17/mo | $291.01/mo | $4.84/mo |
| $25,000 | $476.95/mo | $485.01/mo | $8.06/mo |
| $35,000 | $667.73/mo | $679.01/mo | $11.28/mo |
| $45,000 | $858.51/mo | $873.02/mo | $14.51/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.
How to Get the Best Auto Loan Rate in W Hartford, Connecticut
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving W Hartford, 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 W Hartford, 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: W Hartford, Connecticut CD rates lock in a guaranteed return until you’re ready to buy
Connecticut Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau (state-level data shown; city data not available)
A $572 monthly car payment works out to roughly 13.1% of the median individual income in Connecticut. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in W Hartford, 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 to 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 to 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 W Hartford, 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 W Hartford, 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 W Hartford, 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 W Hartford, 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.
Bad Credit Auto Loans in W Hartford, Connecticut
You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.
| Credit Tier | Score Range | New Car APR | Used Car APR | $25,000 Used, 60 Mo. |
|---|---|---|---|---|
| Super prime | 781 to 850 | 4.41% | 6.29% | $487/mo |
| Prime | 661 to 780 | 6.15% | 8.81% | $517/mo |
| Near prime | 601 to 660 | 9.71% | 13.93% | $581/mo |
| Subprime | 501 to 600 | 13.52% | 19.10% | $650/mo |
| Deep subprime | 300 to 500 | 16.11% | 21.62% | $685/mo |
Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.
Get Preapproved Before the Dealer
A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.
Put More Money Down
A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.
Keep the Term Short
A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.
Add a Cosigner
A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.
Be Careful With Buy Here Pay Here
These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.
Frequently Asked Questions about Auto Loans in W Hartford, 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 W Hartford, 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?
Can I get an auto loan with bad credit in W Hartford, Connecticut?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in W Hartford, Connecticut?
- Polish And Slavic Federal Credit Union: 2.99% (New Auto Loan - 1 year)
- Torrington Municipal & Teachers Federal Credit Union: 3.25% (New Vehicle Auto Loan)
- Connecticut Labor Dept Federal Credit Union: 3.49% (New Vehicle Loan)
- Riverbank Federal Credit Union: 3.74% (New Vehicle Loan - 4 Years)
- General Electric Employees Federal Credit Union: 3.99% (Vehicle Loan)
W Hartford, Connecticut Rates & Resources
