Cummaquid, MA Best Auto Loan Rates - September 2026
Brian McKay
Brian McKay
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Current auto loan rates in Cummaquid, Massachusetts include Cambridge Firefighters Federal Credit UnionCambridge Firefighters Federal Credit UnionA+5.0 ★Texas Ratio: 0.37% offering New Auto / Motorcycles at 2.99%, St Anthony Of Padua Federal Credit UnionSt Anthony Of Padua Federal Credit UnionA+5.0 ★Texas Ratio: 4.79% offering Used Auto Loans at 3.10%, American Airlines Federal Credit UnionAmerican Airlines Federal Credit UnionA+5.0 ★Texas Ratio: 2.50% offering New Auto at 3.34%, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 6.20% offering Auto Loans - 2025 & Newer at 3.49%, Energy Credit UnionEnergy Credit UnionA+5.0 ★Texas Ratio: 1.51% offering Vehicle Loan at 3.50%. Auto loan rates as of September 16, 2026 according to verified data from MonitorBankRates.
Cummaquid borrowers have access to 47 lenders serving the Massachusetts area, with auto loan rates as low as 2.99% APR from Cambridge Firefighters 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 Cummaquid, Massachusetts. Auto Loan Rates Last Updated and Verified: September 16, 2026
Compare Auto Loan Rates Today in Cummaquid, Massachusetts & Surrounding Area
Cummaquid Auto Loan Rates
As Low As; Maximum term to 36 months
Rates Effective June 1, 2026. Qualifying rates are based on collateral, term, down payment and creditworthiness. Not all loans are eligible, including internal refinances. The maximum combined qualifying discount is up to 0.90% for special Anniversary Discount, plus Direct Deposit Discount, plus Loan Loyalty or Welcome Aboard Discount. No other discounts can be combined. A 0.40% discount is available for vehicle loan applications submitted between 07/01/2026 and 09/30/2026, and funded by 10/31/2026. A 0.25% discount will be given for direct deposit into a Credit Union checking account. Direct Deposit Discount begins on the first month after the loan is funded or the month after direct deposit begins any time during your loan term and will continue to be deducted from the rate monthly, as long as direct deposit remains on the member's checking account and the member remains in good standing. An additional discount of 0.25% can be applied for Loan Loyalty or Welcome Aboard Discounts; however, these two cannot be combined. A 0.25% Loan Loyalty Discount is available for members having two (2) or more loans with a balance in the last two (2) years. Auto loans need activity within the last four (4) years. Some loan types are excluded. A 0.25% Welcome Aboard Discount is valid 90 days from the opening date of new membership. Not all members will qualify. Ask the Credit Union for more details.
As low as; Auto Buying Service APR - 2025 & Newer as low as 2.64%
As Low As; 2025 & Newer
Additional 0.25% discount may be available for new electric/hybrid vehicles. Rate determination is based on credit history, loan type, collateral age and term selected. Featured rate is applicable to excellent FICO, 740 and above. Other rates and terms available. Payment examples: Borrow $30,000 for a term of 2 years or 24 months at 3.5%, pay $43.20 monthly per $1,000 borrowed.
Rates Effective June 1, 2026. Qualifying rates are based on collateral, term, down payment and creditworthiness. Not all loans are eligible, including internal refinances. The maximum combined qualifying discount is up to 0.90% for special Anniversary Discount, plus Direct Deposit Discount, plus Loan Loyalty or Welcome Aboard Discount. No other discounts can be combined. A 0.40% discount is available for vehicle loan applications submitted between 07/01/2026 and 09/30/2026, and funded by 10/31/2026. A 0.25% discount will be given for direct deposit into a Credit Union checking account. Direct Deposit Discount begins on the first month after the loan is funded or the month after direct deposit begins any time during your loan term and will continue to be deducted from the rate monthly, as long as direct deposit remains on the member's checking account and the member remains in good standing. An additional discount of 0.25% can be applied for Loan Loyalty or Welcome Aboard Discounts; however, these two cannot be combined. A 0.25% Loan Loyalty Discount is available for members having two (2) or more loans with a balance in the last two (2) years. Auto loans need activity within the last four (4) years. Some loan types are excluded. A 0.25% Welcome Aboard Discount is valid 90 days from the opening date of new membership. Not all members will qualify. Ask the Credit Union for more details.
As low as
As Low As; 2025 & Newer
As Low As*
As Low As*
Fixed APR* as low as
90% Financing
As Low As; 90 Anniversary rate; Model Year: 2025 and 2026
Amount: 90% Financing
Rates Effective June 1, 2026. Qualifying rates are based on collateral, term, down payment and creditworthiness. Not all loans are eligible, including internal refinances. The maximum combined qualifying discount is up to 0.90% for special Anniversary Discount, plus Direct Deposit Discount, plus Loan Loyalty or Welcome Aboard Discount. No other discounts can be combined. A 0.40% discount is available for vehicle loan applications submitted between 07/01/2026 and 09/30/2026, and funded by 10/31/2026. A 0.25% discount will be given for direct deposit into a Credit Union checking account. Direct Deposit Discount begins on the first month after the loan is funded or the month after direct deposit begins any time during your loan term and will continue to be deducted from the rate monthly, as long as direct deposit remains on the member's checking account and the member remains in good standing. An additional discount of 0.25% can be applied for Loan Loyalty or Welcome Aboard Discounts; however, these two cannot be combined. A 0.25% Loan Loyalty Discount is available for members having two (2) or more loans with a balance in the last two (2) years. Auto loans need activity within the last four (4) years. Some loan types are excluded. A 0.25% Welcome Aboard Discount is valid 90 days from the opening date of new membership. Not all members will qualify. Ask the Credit Union for more details.
As Low As; Maximum term to 48 months
As low as 4.24% up to 7.99%; Maximum borrowed $150,000; Model Years 2025-2026
As low as 4.24% up to 7.99%; Model Years 2022-2024
As low as; Certain restrictions apply.
Model Year 2023-27
As low as; Auto Buying Service APR - 2022 - 2024* as low as 3.64%
As Low As; 2022 - 2024*
Model year: 2025 or newer with less than 7,000 miles
Term: Maximum term to 48 months; Vehicles 1 - 5 years old
As Low As; Max Loan Amount: 120%
As Low As; Max Loan Amount: 120%
As Low As;*
As Low As*
As Low As;*
As Low As*
As Low As;*
As Low As*
As low as 4.49% up to 8.24%; Maximum borrowed $150,000; Model Years 2025-2026
As low as 4.49% up to 8.24%; Model Years 2022-2024
New < 25K miles
APR+; *
As Low As; Car Model Year 2024 and Newer
As Low As; Car Model Year 2024 and Newer
As Low As; Car Model Year 2024 and Newer
As Low As; Car Model Year 2023 and Older
As Low As; Car Model Year 2023 and Older
As Low As; Car Model Year 2023 and Older
Additional 0.25% discount may be available for new electric/hybrid vehicles. Rate determination is based on credit history, loan type, collateral age and term selected. Featured rate is applicable to excellent FICO, 740 and above. Other rates and terms available. Borrow $30,000 for a term of 4 years or 48 months at 4.5%, pay $22.80 monthly per $1,000 borrowed.
As Low As*
As Low As*
Model Year: 2024 - 2026; Credit Score: 700 - up
Rates Effective June 1, 2026. Qualifying rates are based on collateral, term, down payment and creditworthiness. Not all loans are eligible, including internal refinances. The maximum combined qualifying discount is up to 0.90% for special Anniversary Discount, plus Direct Deposit Discount, plus Loan Loyalty or Welcome Aboard Discount. No other discounts can be combined. A 0.40% discount is available for vehicle loan applications submitted between 07/01/2026 and 09/30/2026, and funded by 10/31/2026. A 0.25% discount will be given for direct deposit into a Credit Union checking account. Direct Deposit Discount begins on the first month after the loan is funded or the month after direct deposit begins any time during your loan term and will continue to be deducted from the rate monthly, as long as direct deposit remains on the member's checking account and the member remains in good standing. An additional discount of 0.25% can be applied for Loan Loyalty or Welcome Aboard Discounts; however, these two cannot be combined. A 0.25% Loan Loyalty Discount is available for members having two (2) or more loans with a balance in the last two (2) years. Auto loans need activity within the last four (4) years. Some loan types are excluded. A 0.25% Welcome Aboard Discount is valid 90 days from the opening date of new membership. Not all members will qualify. Ask the Credit Union for more details.
Model year: 2025 or newer with less than 7,000 miles
Model years: 2023 or newer (and 2025 with more than 7,000 miles
Model years: 2023 or newer (and 2025 with more than 7,000 miles
Model Year 2022
As Low As; Offer valid on auto loans originated on or after January 1, 2026. To qualify for these rates, newly established direct deposit relationships of a minimum of $1,000 per month into any deposit account must be initiated within 45 days of loan closing. If the direct deposit is not established or is discontinued, the interest rate will increase by 0.50%. Direct deposit includes deposits from employer payroll, government benefits, retirement payments or pensions. Advertised rate(s) available on New & Used Vehicle Loans of Model Year 2021 or Newer with a maximum loan to value (LTV) of 100% or less.
As Low As; Max Loan Amount: 120%
Model Years 2026 - 2021; To qualify for these rates, newly established direct deposit relationships of a minimum of $1,000 per month into any deposit account must be initiated within 45 days of loan closing. If the direct deposit is not established or is discontinued, the interest rate will increase by 0.50%. Direct deposit includes deposits from employer payroll, government benefits, retirement payments or pensions. Offer valid on auto loans originated on or after January 1, 2026. Not applicable to Line of credit, revolving or credit products. Promotional discount offering may be withdrawn at any time. Additional rates and terms are available. Advertised rate(s) available on New & Used Vehicle Loans of Model Year 2021 or Newer with a maximum loan to value (LTV) of 100% or less. Cost per thousand is calculated using the highest term in the range.
As low as 4.74% up to 8.74%; Maximum borrowed $150,000; Model Years 2025-2026
As low as 4.74% up to 8.74%; Model Years 2022-2024
APR+; Rate includes *
As low as; Certain restrictions apply.
As Low As
100% financing is available for terms up to 75 months.
As Low As*
As Low As*
Model Year 2021
Model Year 2023-27
As low as
As low as; **76-84 month term available for model years 2025 and newer only.
As Low As; 2022 - 2024*
As Low As; 2025 & Newer
Maximum Amount: 110.00%
Maximum Amount: 100.00%
For new cars
Maximum Amount: $85,000; As low as
As Low As; Offer valid on auto loans originated on or after January 1, 2026. To qualify for these rates, newly established direct deposit relationships of a minimum of $1,000 per month into any deposit account must be initiated within 45 days of loan closing. If the direct deposit is not established or is discontinued, the interest rate will increase by 0.50%. Direct deposit includes deposits from employer payroll, government benefits, retirement payments or pensions. Advertised rate(s) available on New & Used Vehicle Loans of Model Year 2021 or Newer with a maximum loan to value (LTV) of 100% or less.
As Low As; Offer valid on auto loans originated on or after January 1, 2026. To qualify for these rates, newly established direct deposit relationships of a minimum of $1,000 per month into any deposit account must be initiated within 45 days of loan closing. If the direct deposit is not established or is discontinued, the interest rate will increase by 0.50%. Direct deposit includes deposits from employer payroll, government benefits, retirement payments or pensions. Advertised rate(s) available on New & Used Vehicle Loans of Model Year 2021 or Newer with a maximum loan to value (LTV) of 100% or less.
As Low As; *APR = Annual Percentage rates are determined by your personal credit history. Rates quoted are for members with the best credit score. Other rates are available.
*APR = Annual Percentage rates are determined by your personal credit history. Rates quoted are for members with the best credit score. Other rates are available.
Model Year 2022
Model Years 2026 - 2021; To qualify for these rates, newly established direct deposit relationships of a minimum of $1,000 per month into any deposit account must be initiated within 45 days of loan closing. If the direct deposit is not established or is discontinued, the interest rate will increase by 0.50%. Direct deposit includes deposits from employer payroll, government benefits, retirement payments or pensions. Offer valid on auto loans originated on or after January 1, 2026. Not applicable to Line of credit, revolving or credit products. Promotional discount offering may be withdrawn at any time. Additional rates and terms are available. Advertised rate(s) available on New & Used Vehicle Loans of Model Year 2021 or Newer with a maximum loan to value (LTV) of 100% or less. Cost per thousand is calculated using the highest term in the range.
Model Years 2026 - 2021; To qualify for these rates, newly established direct deposit relationships of a minimum of $1,000 per month into any deposit account must be initiated within 45 days of loan closing. If the direct deposit is not established or is discontinued, the interest rate will increase by 0.50%. Direct deposit includes deposits from employer payroll, government benefits, retirement payments or pensions. Offer valid on auto loans originated on or after January 1, 2026. Not applicable to Line of credit, revolving or credit products. Promotional discount offering may be withdrawn at any time. Additional rates and terms are available. Advertised rate(s) available on New & Used Vehicle Loans of Model Year 2021 or Newer with a maximum loan to value (LTV) of 100% or less. Cost per thousand is calculated using the highest term in the range.
As low as; Annual Percentage Rate As low As
As low as; Annual Percentage Rate As low As
As low as; Annual Percentage Rate As low As
As low as; Annual Percentage Rate As low As
As low as; Annual Percentage Rate As low As
As low as; Annual Percentage Rate As low As
As Low As; *
As Low As; *
As Low As; **
Model Year: 2026 - 2022; APR is for the purchase of a 2022, 2023, 2024, 2025 and 2026 model automobile.
Model Year: 2026 - 2022; APR is for the purchase of a 2022, 2023, 2024, 2025 and 2026 model automobile.
Model Year: 2026 - 2022; APR is for the purchase of a 2022, 2023, 2024, 2025 and 2026 model automobile.
Up to 90% loan-to-value
Up to 90% loan-to-value
Up to 95% loan-to-value
Up to 95% loan-to-value
Up to 100% loan-to-value
Up to 100% loan-to-value
As Low As
APR**(Credit & Promotional Rates applied)
Vehicle Year: 2025 - 2027; New vehicle: Less than 5,000 miles. Up to 125% financing may be available. Your rate, term, and approved loan amount may vary based on your creditworthiness. Advertised APR is the lowest available. Not all borrowers will qualify for the lowest rate. Rates are effective as of today's date and are subject to change without notice.
Used vehicle: 2025-2026 vehicle with 5,000 or more miles or 2016-2024 vehicle with 120,000 or less miles. Your rate, term, and approved loan amount may vary based on your creditworthiness. Advertised APR is the lowest available. Not all borrowers will qualify for the lowest rate. Rates are effective as of today's date and are subject to change without notice. Up to 125% financing may be available for vehicles with mileage less than 120,000. 64-75-month terms available for mileage less than 90,000 and a minimum amount financed of $15,000.
As low as; Model Years 2021; Maximum borrowed $75,000
As low as; Model Years 2021; Maximum borrowed $75,000
Fixed APR* as low as
Fixed APR* as low as
As Low As
As Low As
As Low As
As Low As
As Low As
Used > 25K miles
APR+; *
Vehicle Years: 2025 - 2026
As Low As; 90 Anniversary rate; Model Year: 2022-2024
Amount: 90% Financing
LTV MAX: 24; FICO Score: Platinum 720+
LTV MAX: 36; FICO Score: Platinum 720+
LTV MAX: 48; FICO Score: Platinum 720+
LTV MAX: 60; FICO Score: Platinum 720+
LTV MAX: 24; FICO Score: Platinum 720+
LTV MAX: 36; FICO Score: Platinum 720+
LTV MAX: 48; FICO Score: Platinum 720+
LTV MAX: 60; FICO Score: Platinum 720+
As Low As*
(7)
Model Year 2023-27
Model Year 2022
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; Max Loan Amount: 120%
As Low As; Year: 2024-2026; Loan Amount: Maximum $100,000
As Low As
Fixed APR* as low as
Fixed APR* as low as
APR+; Rate includes *
As Low As; Car Model Year 2024 and Newer
As Low As; Car Model Year 2023 and Older
Up To $60,000; 100% NADA value; Years 2025-2026; Maximum mileage up to 8,000
LTV MAX: 24; FICO Score: B 679-660
LTV MAX: 36; FICO Score: B 679-660
LTV MAX: 48; FICO Score: B 679-660
LTV MAX: 60; FICO Score: B 679-660
Cummaquid New Auto Auto Loan Rates
Rates Effective June 1, 2026. Qualifying rates are based on collateral, term, down payment and creditworthiness. Not all loans are eligible, including internal refinances. The maximum combined qualifying discount is up to 0.90% for special Anniversary Discount, plus Direct Deposit Discount, plus Loan Loyalty or Welcome Aboard Discount. No other discounts can be combined. A 0.40% discount is available for vehicle loan applications submitted between 07/01/2026 and 09/30/2026, and funded by 10/31/2026. A 0.25% discount will be given for direct deposit into a Credit Union checking account. Direct Deposit Discount begins on the first month after the loan is funded or the month after direct deposit begins any time during your loan term and will continue to be deducted from the rate monthly, as long as direct deposit remains on the member's checking account and the member remains in good standing. An additional discount of 0.25% can be applied for Loan Loyalty or Welcome Aboard Discounts; however, these two cannot be combined. A 0.25% Loan Loyalty Discount is available for members having two (2) or more loans with a balance in the last two (2) years. Auto loans need activity within the last four (4) years. Some loan types are excluded. A 0.25% Welcome Aboard Discount is valid 90 days from the opening date of new membership. Not all members will qualify. Ask the Credit Union for more details.
As low as; Auto Buying Service APR - 2025 & Newer as low as 2.64%
As Low As; 2025 & Newer
As low as
As Low As; 2025 & Newer
As Low As*
Fixed APR* as low as
90% Financing
Rates Effective June 1, 2026. Qualifying rates are based on collateral, term, down payment and creditworthiness. Not all loans are eligible, including internal refinances. The maximum combined qualifying discount is up to 0.90% for special Anniversary Discount, plus Direct Deposit Discount, plus Loan Loyalty or Welcome Aboard Discount. No other discounts can be combined. A 0.40% discount is available for vehicle loan applications submitted between 07/01/2026 and 09/30/2026, and funded by 10/31/2026. A 0.25% discount will be given for direct deposit into a Credit Union checking account. Direct Deposit Discount begins on the first month after the loan is funded or the month after direct deposit begins any time during your loan term and will continue to be deducted from the rate monthly, as long as direct deposit remains on the member's checking account and the member remains in good standing. An additional discount of 0.25% can be applied for Loan Loyalty or Welcome Aboard Discounts; however, these two cannot be combined. A 0.25% Loan Loyalty Discount is available for members having two (2) or more loans with a balance in the last two (2) years. Auto loans need activity within the last four (4) years. Some loan types are excluded. A 0.25% Welcome Aboard Discount is valid 90 days from the opening date of new membership. Not all members will qualify. Ask the Credit Union for more details.
As low as 4.24% up to 7.99%; Maximum borrowed $150,000; Model Years 2025-2026
As low as; Certain restrictions apply.
As Low As; 2022 - 2024*
Model year: 2025 or newer with less than 7,000 miles
As low as 4.49% up to 8.24%; Maximum borrowed $150,000; Model Years 2025-2026
New < 25K miles
APR+; *
As Low As; Car Model Year 2024 and Newer
As Low As; Car Model Year 2024 and Newer
As Low As; Car Model Year 2024 and Newer
As Low As*
Model year: 2025 or newer with less than 7,000 miles
As low as 4.74% up to 8.74%; Maximum borrowed $150,000; Model Years 2025-2026
APR+; Rate includes *
As low as; Certain restrictions apply.
100% financing is available for terms up to 75 months.
As Low As*
As low as; **76-84 month term available for model years 2025 and newer only.
As Low As; 2022 - 2024*
As Low As; 2025 & Newer
Maximum Amount: 110.00%
For new cars
Maximum Amount: $85,000; As low as
As Low As; *APR = Annual Percentage rates are determined by your personal credit history. Rates quoted are for members with the best credit score. Other rates are available.
As low as; Annual Percentage Rate As low As
As low as; Annual Percentage Rate As low As
As low as; Annual Percentage Rate As low As
As Low As; *
As Low As; *
As Low As; **
Model Year: 2026 - 2022; APR is for the purchase of a 2022, 2023, 2024, 2025 and 2026 model automobile.
Model Year: 2026 - 2022; APR is for the purchase of a 2022, 2023, 2024, 2025 and 2026 model automobile.
Model Year: 2026 - 2022; APR is for the purchase of a 2022, 2023, 2024, 2025 and 2026 model automobile.
APR**(Credit & Promotional Rates applied)
Vehicle Year: 2025 - 2027; New vehicle: Less than 5,000 miles. Up to 125% financing may be available. Your rate, term, and approved loan amount may vary based on your creditworthiness. Advertised APR is the lowest available. Not all borrowers will qualify for the lowest rate. Rates are effective as of today's date and are subject to change without notice.
Fixed APR* as low as
Fixed APR* as low as
Vehicle Years: 2025 - 2026
LTV MAX: 24; FICO Score: Platinum 720+
LTV MAX: 36; FICO Score: Platinum 720+
LTV MAX: 48; FICO Score: Platinum 720+
LTV MAX: 60; FICO Score: Platinum 720+
As Low As*
(7)
As Low As; Year: 2024-2026; Loan Amount: Maximum $100,000
Fixed APR* as low as
Fixed APR* as low as
As Low As; Car Model Year 2024 and Newer
Up To $60,000; 100% NADA value; Years 2025-2026; Maximum mileage up to 8,000
LTV MAX: 24; FICO Score: B 679-660
LTV MAX: 36; FICO Score: B 679-660
LTV MAX: 48; FICO Score: B 679-660
LTV MAX: 60; FICO Score: B 679-660
Cummaquid Used Auto Auto Loan Rates
As Low As; Maximum term to 36 months
Rates Effective June 1, 2026. Qualifying rates are based on collateral, term, down payment and creditworthiness. Not all loans are eligible, including internal refinances. The maximum combined qualifying discount is up to 0.90% for special Anniversary Discount, plus Direct Deposit Discount, plus Loan Loyalty or Welcome Aboard Discount. No other discounts can be combined. A 0.40% discount is available for vehicle loan applications submitted between 07/01/2026 and 09/30/2026, and funded by 10/31/2026. A 0.25% discount will be given for direct deposit into a Credit Union checking account. Direct Deposit Discount begins on the first month after the loan is funded or the month after direct deposit begins any time during your loan term and will continue to be deducted from the rate monthly, as long as direct deposit remains on the member's checking account and the member remains in good standing. An additional discount of 0.25% can be applied for Loan Loyalty or Welcome Aboard Discounts; however, these two cannot be combined. A 0.25% Loan Loyalty Discount is available for members having two (2) or more loans with a balance in the last two (2) years. Auto loans need activity within the last four (4) years. Some loan types are excluded. A 0.25% Welcome Aboard Discount is valid 90 days from the opening date of new membership. Not all members will qualify. Ask the Credit Union for more details.
As Low As*
Fixed APR* as low as
Amount: 90% Financing
As Low As; Maximum term to 48 months
As low as 4.24% up to 7.99%; Maximum borrowed $150,000; Model Years 2025-2026
As low as 4.24% up to 7.99%; Model Years 2022-2024
Term: Maximum term to 48 months; Vehicles 1 - 5 years old
As low as 4.49% up to 8.24%; Maximum borrowed $150,000; Model Years 2025-2026
As low as 4.49% up to 8.24%; Model Years 2022-2024
As Low As; Car Model Year 2024 and Newer
As Low As; Car Model Year 2024 and Newer
As Low As; Car Model Year 2024 and Newer
As Low As; Car Model Year 2023 and Older
As Low As; Car Model Year 2023 and Older
As Low As; Car Model Year 2023 and Older
As Low As*
Rates Effective June 1, 2026. Qualifying rates are based on collateral, term, down payment and creditworthiness. Not all loans are eligible, including internal refinances. The maximum combined qualifying discount is up to 0.90% for special Anniversary Discount, plus Direct Deposit Discount, plus Loan Loyalty or Welcome Aboard Discount. No other discounts can be combined. A 0.40% discount is available for vehicle loan applications submitted between 07/01/2026 and 09/30/2026, and funded by 10/31/2026. A 0.25% discount will be given for direct deposit into a Credit Union checking account. Direct Deposit Discount begins on the first month after the loan is funded or the month after direct deposit begins any time during your loan term and will continue to be deducted from the rate monthly, as long as direct deposit remains on the member's checking account and the member remains in good standing. An additional discount of 0.25% can be applied for Loan Loyalty or Welcome Aboard Discounts; however, these two cannot be combined. A 0.25% Loan Loyalty Discount is available for members having two (2) or more loans with a balance in the last two (2) years. Auto loans need activity within the last four (4) years. Some loan types are excluded. A 0.25% Welcome Aboard Discount is valid 90 days from the opening date of new membership. Not all members will qualify. Ask the Credit Union for more details.
Model years: 2023 or newer (and 2025 with more than 7,000 miles
Model years: 2023 or newer (and 2025 with more than 7,000 miles
As low as 4.74% up to 8.74%; Maximum borrowed $150,000; Model Years 2025-2026
As low as 4.74% up to 8.74%; Model Years 2022-2024
As Low As*
Maximum Amount: 100.00%
*APR = Annual Percentage rates are determined by your personal credit history. Rates quoted are for members with the best credit score. Other rates are available.
As low as; Annual Percentage Rate As low As
As low as; Annual Percentage Rate As low As
As low as; Annual Percentage Rate As low As
As low as; Annual Percentage Rate As low As
As low as; Annual Percentage Rate As low As
As low as; Annual Percentage Rate As low As
Model Year: 2026 - 2022; APR is for the purchase of a 2022, 2023, 2024, 2025 and 2026 model automobile.
Model Year: 2026 - 2022; APR is for the purchase of a 2022, 2023, 2024, 2025 and 2026 model automobile.
Model Year: 2026 - 2022; APR is for the purchase of a 2022, 2023, 2024, 2025 and 2026 model automobile.
APR**(Credit & Promotional Rates applied)
Used vehicle: 2025-2026 vehicle with 5,000 or more miles or 2016-2024 vehicle with 120,000 or less miles. Your rate, term, and approved loan amount may vary based on your creditworthiness. Advertised APR is the lowest available. Not all borrowers will qualify for the lowest rate. Rates are effective as of today's date and are subject to change without notice. Up to 125% financing may be available for vehicles with mileage less than 120,000. 64-75-month terms available for mileage less than 90,000 and a minimum amount financed of $15,000.
As low as; Model Years 2021; Maximum borrowed $75,000
As low as; Model Years 2021; Maximum borrowed $75,000
Fixed APR* as low as
Fixed APR* as low as
Used > 25K miles
APR+; *
Amount: 90% Financing
LTV MAX: 24; FICO Score: Platinum 720+
LTV MAX: 36; FICO Score: Platinum 720+
LTV MAX: 48; FICO Score: Platinum 720+
LTV MAX: 60; FICO Score: Platinum 720+
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; Year: 2024-2026; Loan Amount: Maximum $100,000
Fixed APR* as low as
Fixed APR* as low as
APR+; Rate includes *
As Low As; Car Model Year 2024 and Newer
As Low As; Car Model Year 2023 and Older
Cummaquid, MA Auto Loan Rate Trends
Compare local Cummaquid, MA 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.
Massachusetts new auto rates rose 0.142 points over the past 7 days to 6.466% APR.
Massachusetts used auto rates rose 0.212 points over the past 7 days to 6.719% APR.
Cummaquid, MA 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 Massachusetts 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 Massachusetts 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 @ 6.47% APR MA average | Used Auto @ 6.72% APR MA average | Monthly Difference |
|---|---|---|---|
| $15,000 | $293.25/mo | $295.03/mo | $1.78/mo |
| $25,000 | $488.75/mo | $491.72/mo | $2.97/mo |
| $35,000 | $684.25/mo | $688.41/mo | $4.16/mo |
| $45,000 | $879.75/mo | $885.10/mo | $5.35/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 Cummaquid, Massachusetts
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Cummaquid, Massachusetts 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 Massachusetts. 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 Cummaquid, Massachusetts 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: Cummaquid, Massachusetts CD rates lock in a guaranteed return until you’re ready to buy
Massachusetts Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau (state-level data shown; city data not available)
A $586 monthly car payment works out to roughly 12.3% of the median individual income in Massachusetts. 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 Cummaquid, Massachusetts, 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 Cummaquid, Massachusetts. We’ve prefilled the APR with today’s MA 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 Cummaquid, Massachusetts 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 Cummaquid, Massachusetts 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 Cummaquid, Massachusetts. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in MA.
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 Cummaquid, Massachusetts
How does my credit score affect my car loan rate in Massachusetts?
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 Cummaquid, Massachusetts?
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 Cummaquid, Massachusetts?
- Cambridge Firefighters Federal Credit Union: 2.99% (New Auto / Motorcycles)
- St Anthony Of Padua Federal Credit Union: 3.10% (Used Auto Loans)
- American Airlines Federal Credit Union: 3.34% (New Auto)
- Baxter Credit Union: 3.49% (Auto Loans - 2025 & Newer)
- Energy Credit Union: 3.50% (Vehicle Loan)
Cummaquid, Massachusetts Rates & Resources
