Auto Loan Rates in Medford, Massachusetts (MA) for May 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Medford, Massachusetts. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Medford, Massachusetts include St Anthony Of Padua Federal Credit UnionSt Anthony Of Padua Federal Credit UnionA+5.0 ★Texas Ratio: 5.41% offering Used Auto Loans - with 15% down at 3.10%, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% offering Auto Loans at 3.24%, American Airlines Federal Credit UnionAmerican Airlines Federal Credit UnionA+5.0 ★Texas Ratio: 2.63% offering New Auto at 3.74%, TEWKSBURYTEWKSBURYA+5.0 ★Texas Ratio: 0.00% offering New & Used Vehicle Loans at 3.79%, Quincy Credit UnionQuincy Credit UnionA+5.0 ★Texas Ratio: 4.37% offering New Auto Loans at 3.99%. Auto loan rates as of May 7, 2026 according to verified data from MonitorBankRates.
Medford borrowers have access to 45 lenders serving the Massachusetts area, with auto loan rates as low as 3.10% APR from St Anthony Of Padua 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 Medford, Massachusetts. Auto Loan Rates Last Updated and Verified: May 7, 2026
Compare Auto Loan Rates Today in Medford, Massachusetts & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
St Anthony Of Padua Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
Used Auto Loans - with 15% down
3.10%
36 Months
▼
APR3.10%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.24%
Auto Buying Service
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMay 2, 2026
Details
As Low As; APR - 2026 & Newer
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedMay 7, 2026
Details
As Low As
TEWKSBURY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Vehicle Loans
3.79%
36 Months
▼
APR3.79%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
New Auto Loans
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; APR with Auto Pay
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
Pre-Owned Auto Loans
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; APR with Auto Pay
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.99%
0 - 75 Months
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMay 2, 2026
Details
As Low As; APR - 2026 & Newer
APR3.99%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
New Autos
3.99%
72 Months
▼
APR3.99%
Term72 Months
Last UpdatedMay 6, 2026
Details
90% Financing
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Used Autos 2025 - 2026
3.99%
72 Months
▼
APR3.99%
Term72 Months
Last UpdatedMay 6, 2026
Details
90% Financing
Plymouth County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
New Auto Loan
3.99%
65 Months
▼
APR3.99%
Term65 Months
Last UpdatedMay 7, 2026
Details
As Low As
St Anthony Of Padua Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
Used Auto Loans - with 15% down
4.10%
48 Months
▼
APR4.10%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
New Auto Loans
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; APR with Auto Pay
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
Pre-Owned Auto Loans
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; APR with Auto Pay
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
New and Used Vehicle Loan
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; Maximum borrowed $150,000; Model Years 2025-2026
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
Used Vehicle Loan (Model Years 2022-2024)
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; Maximum borrowed $150,000
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedMay 7, 2026
Details
As Low As
Worcester Fire Dept Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
NEW CAR (2024-2026)
4.49%
4 years
▼
APR4.49%
Term4 years
Last UpdatedApr 19, 2026
Details
As Low As
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
New Auto Loans
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As; APR with Auto Pay
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
Pre-Owned Auto Loans
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As; APR with Auto Pay
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
New and Used Vehicle Loan
4.49%
71 Months
▼
APR4.49%
Term71 Months
Last UpdatedApr 19, 2026
Details
As Low As; Maximum borrowed $150,000; Model Years 2025-2026
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
Used Vehicle Loan (Model Years 2022-2024)
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; Maximum borrowed $150,000
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Car Loans 2025-2026 Models or newer
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedApr 19, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New < 25K miles Auto Loan
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 2, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.49%
Auto Buying Service
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMay 2, 2026
Details
As Low As; APR - 2023 - 2025*
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedMay 7, 2026
Details
As Low As
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
New Car (2025 - 2026)
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 6, 2026
Details
Worcester Fire Dept Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
NEW CAR (2024-2026)
4.74%
5 years
▼
APR4.74%
Term5 years
Last UpdatedApr 19, 2026
Details
As Low As
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
New Auto Loans
4.74%
84 Months
▼
APR4.74%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As; APR with Auto Pay
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
New and Used Vehicle Loan
4.74%
84 Months
▼
APR4.74%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As; Maximum borrowed $150,000; Model Years 2025-2026
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
Used Vehicle Loan (Model Years 2022-2024)
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As; Maximum borrowed $150,000
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Used Car Loans 2023-2024 Models
4.74%
24 Months
▼
APR4.74%
Term24 Months
Last UpdatedApr 19, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New < 25K miles Auto Loans
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedMay 2, 2026
Details
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Used Car (2022 - 2024)
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMay 6, 2026
Details
Malden Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
New Auto
4.95%
2 - 5 Years
▼
APR4.95%
Term2 - 5 Years
Last UpdatedMay 6, 2026
Details
As Low As
Malden Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
Used Auto (Under 4 Years Old)
4.95%
4 Years
▼
APR4.95%
Term4 Years
Last UpdatedMay 6, 2026
Details
As Low As
Worcester Fire Dept Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
NEW CAR (2024-2026)
4.99%
6 years
▼
APR4.99%
Term6 years
Last UpdatedApr 19, 2026
Details
As Low As
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Auto Loans
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedApr 19, 2026
Details
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Car Loans 2025-2026 Models or newer
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 19, 2026
Details
Homefield Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.48%
Auto Loan
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
Mass Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used > 25K miles Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 2, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.99%
0 - 75 Months
▼
APR4.99%
Term0 - 75 Months
Last UpdatedMay 2, 2026
Details
As Low As; APR - 2023 - 2025*
Tremont Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.31%
Auto Loans (2025-2026 Model Years)
4.99%
6 to 60
▼
APR4.99%
Term6 to 60
Last UpdatedMay 2, 2026
Details
APR4.99%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loans: New Vehicle
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedMay 4, 2026
Details
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Used Autos 2022 - 2024
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 6, 2026
Details
90% Financing
St Anthony Of Padua Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
New Auto Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As; Maximum term to 60 months
Norfolk Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.97%
Auto Loans NEW
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedMay 6, 2026
Details
As Low As; Maximum Amount: $65,000
Plymouth County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
New Auto Loan
4.99%
75 Months
▼
APR4.99%
Term75 Months
Last UpdatedMay 7, 2026
Details
As Low As
Health Alliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
New Car Loans
4.99%
36-60
▼
APR4.99%
Term36-60
Last UpdatedMay 7, 2026
Details
As Low As
Health Alliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
Used Car Loans (2023,2024)
4.99%
36-60
▼
APR4.99%
Term36-60
Last UpdatedMay 7, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 7, 2026
Details
As Low As
Morton Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
New Cars
4.99%
up to 7 years
▼
APR4.99%
Termup to 7 years
Last UpdatedMay 7, 2026
Details
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Car Loan Refinance Special
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
New Car (2025 - 2026)
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMay 6, 2026
Details
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
New Automobile Loans
5.00%
24 Months
▼
APR5.00%
Term24 Months
Last UpdatedMay 7, 2026
Details
LTV MAX: 100%; FICO Score: Platinum 720+
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
Used Automobile Loans
5.00%
24 Months
▼
APR5.00%
Term24 Months
Last UpdatedMay 7, 2026
Details
LTV MAX: 100%; FICO Score: Platinum 720+
New Bedford Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.29%
Used Auto - 2021 - 2019 models
5.20%
36 Months
▼
APR5.20%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; 100% financing available
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Car Loans 2025-2026 Models or newer
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedApr 19, 2026
Details
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Used Car Loans 2021-2022 Models
5.24%
24 Months
▼
APR5.24%
Term24 Months
Last UpdatedApr 19, 2026
Details
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Used Car Loans 2023-2024 Models
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedApr 19, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used > 25K miles Auto Loans
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 2, 2026
Details
Tremont Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.31%
Auto Loans (2025-2026 Model Years)
5.24%
61 to 72
▼
APR5.24%
Term61 to 72
Last UpdatedMay 2, 2026
Details
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
Auto Loans (2025 - Newer)
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedMay 6, 2026
Details
Direct Deposit Auto Pay
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 18.63%
New Auto
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMay 2, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loans: New Vehicle
5.25%
5 Years
▼
APR5.25%
Term5 Years
Last UpdatedMay 4, 2026
Details
APR5.25%
Term48 Months
Last UpdatedMay 5, 2026
Details
APR5.25%
Term48 Months
Last UpdatedMay 5, 2026
Details
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Older Used Car (2019 - 2023)
5.25%
36 Months
▼
APR5.25%
Term36 Months
Last UpdatedMay 6, 2026
Details
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
New Automobile
5.25%
1-48
▼
APR5.25%
Term1-48
Last UpdatedMay 7, 2026
Details
Up To $60,000; 100% NADA value; Years 2025-2026; Maximum mileage up to 8,000
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
New Automobile Loans
5.25%
24 Months
▼
APR5.25%
Term24 Months
Last UpdatedMay 7, 2026
Details
LTV MAX: 90%; FICO Score: B 679-660
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
Used Automobile Loans
5.25%
24 Months
▼
APR5.25%
Term24 Months
Last UpdatedMay 7, 2026
Details
LTV MAX: 90%; FICO Score: B 679-660
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Car Loans - New And Used
5.39%
36 Months
▼
APR5.39%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As; Car Model Years 2023 - 2026
Direct Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Auto Loan 2022-2026
5.44%
63 Months
▼
APR5.44%
Term63 Months
Last UpdatedMay 6, 2026
Details
As Low As
Direct Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Vehicle Loan
5.44%
up to 63
▼
APR5.44%
Termup to 63
Last UpdatedMay 6, 2026
Details
As Low As; New and used vehicles; Purchase, refinance, lease buyout; Finance up to 120% of vehicle value
Malden Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
Used Auto (Over 4 Years Old; No More Than 10 Years)
5.45%
4 Years
▼
APR5.45%
Term4 Years
Last UpdatedMay 6, 2026
Details
As Low As
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
Used Vehicle Loan
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; Maximum borrowed $50,000
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Used Car Loans 2021-2022 Models
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedApr 19, 2026
Details
Tremont Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.31%
Auto Loans (2022-2024 Model Years)
5.49%
6 to 60
▼
APR5.49%
Term6 to 60
Last UpdatedMay 2, 2026
Details
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 18.63%
Used Auto
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 2, 2026
Details
APR5.49%
Term66 Months
Last UpdatedMay 2, 2026
Details
As Low As
Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Auto Loans - New
5.49%
Up to 60 months
▼
APR5.49%
TermUp to 60 months
Last UpdatedMay 5, 2026
Details
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
Auto Loans (2025 - Newer)
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 6, 2026
Details
Without Direct Deposit Auto Pay
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
Used Auto (Years 2021 - 2024)
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 6, 2026
Details
Direct Deposit Auto Pay
Plymouth County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
New Auto Loan
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 7, 2026
Details
As Low As
Health Alliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
New Car Loans
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 7, 2026
Details
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Car Loans - New And Used
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As
APR5.50%
Term12-60
Last UpdatedMay 5, 2026
Details
APR5.50%
Term60 Months
Last UpdatedMay 5, 2026
Details
APR5.50%
Term60 Months
Last UpdatedMay 5, 2026
Details
APR5.50%
Term48 Months
Last UpdatedMay 5, 2026
Details
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
New Car (2025 - 2026)
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMay 6, 2026
Details
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Used Car (2022 - 2024)
5.50%
48 Months
▼
APR5.50%
Term48 Months
Last UpdatedMay 6, 2026
Details
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
New Automobile Loans
5.50%
24 Months
▼
APR5.50%
Term24 Months
Last UpdatedMay 7, 2026
Details
LTV MAX: 80%; FICO Score: C 659-640
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
Used Automobile Loans
5.50%
24 Months
▼
APR5.50%
Term24 Months
Last UpdatedMay 7, 2026
Details
LTV MAX: 80%; FICO Score: C 659-640
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 18.63%
Used Auto
5.63%
72 Months
▼
APR5.63%
Term72 Months
Last UpdatedMay 2, 2026
Details
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Used Car Loans 2023-2024 Models
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedApr 19, 2026
Details
Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Auto Loans - New
5.74%
72 months
▼
APR5.74%
Term72 months
Last UpdatedMay 5, 2026
Details
Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Auto Loans - Used
5.74%
Up to 60 months
▼
APR5.74%
TermUp to 60 months
Last UpdatedMay 5, 2026
Details
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
Used Auto (Years 2021 - 2024)
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedMay 6, 2026
Details
Without Direct Deposit Auto Pay
Direct Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Auto Loan 2020-2021
5.74%
63 Months
▼
APR5.74%
Term63 Months
Last UpdatedMay 6, 2026
Details
As Low As
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 18.63%
New Auto
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedMay 2, 2026
Details
Dean Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
New Cars
5.75%
36 Months
▼
APR5.75%
Term36 Months
Last UpdatedMay 5, 2026
Details
As Low As
APR5.75%
Term72 Months
Last UpdatedMay 5, 2026
Details
APR5.75%
Term72 Months
Last UpdatedMay 5, 2026
Details
APR5.75%
Term60 Months
Last UpdatedMay 5, 2026
Details
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
New Autos
5.75%
24 Months
▼
APR5.75%
Term24 Months
Last UpdatedMay 6, 2026
Details
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Older Used Car (2019 - 2023)
5.75%
48 Months
▼
APR5.75%
Term48 Months
Last UpdatedMay 6, 2026
Details
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
New Automobile Loans
5.75%
24 Months
▼
APR5.75%
Term24 Months
Last UpdatedMay 7, 2026
Details
LTV MAX: 70%; FICO Score: D 639-620
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
Used Automobile Loans
5.75%
24 Months
▼
APR5.75%
Term24 Months
Last UpdatedMay 7, 2026
Details
LTV MAX: 70%; FICO Score: D 639-620
Direct Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Auto Loan 2020-2021
5.84%
66 Months
▼
APR5.84%
Term66 Months
Last UpdatedMay 6, 2026
Details
As Low As
Direct Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Auto Loan 2022-2026
5.89%
66 Months
▼
APR5.89%
Term66 Months
Last UpdatedMay 6, 2026
Details
As Low As
Direct Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Auto Loan 2020-2021
5.94%
75 Months
▼
APR5.94%
Term75 Months
Last UpdatedMay 6, 2026
Details
As Low As
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Car Loans - New And Used Car Model Year 2021
5.94%
36 Months
▼
APR5.94%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
Used Vehicle Loan
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; Maximum borrowed $50,000
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Used Car Loans 2021-2022 Models
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedApr 19, 2026
Details
Massachusetts Family Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
New Vehicle
5.99%
60 month
▼
APR5.99%
Term60 month
Last UpdatedMay 2, 2026
Details
As Low As; Over 60 Month: 6.75% APR***
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
5.99%
76 - 84 Months
▼
APR5.99%
Term76 - 84 Months
Last UpdatedMay 2, 2026
Details
As Low As; APR - 2023 - 2025*
APR5.99%
Term72 Months
Last UpdatedMay 2, 2026
Details
As Low As
Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Auto Loans - Used
5.99%
72 months
▼
APR5.99%
Term72 months
Last UpdatedMay 5, 2026
Details
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Used Autos 2019 - 2021
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 6, 2026
Details
90% Financing
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
Used Auto (Years 2021 - 2024)
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 6, 2026
Details
Direct Deposit Auto Pay
St Anthony Of Padua Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
Used Auto Loans - with 15% down
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As; Maximum term to 48 months; Vehicles 1 - 5 years old
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
New Automobile
5.99%
49-72
▼
APR5.99%
Term49-72
Last UpdatedMay 7, 2026
Details
Up To $60,000; 100% NADA value; Years 2025-2026; Maximum mileage up to 8,000
Health Alliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
Used Car Loans (2020,2021,2022)
5.99%
36-60
▼
APR5.99%
Term36-60
Last UpdatedMay 7, 2026
Details
Health Alliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
Used Car Loans (2023,2024)
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 7, 2026
Details
Morton Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
Used Cars
5.99%
up to 6 years
▼
APR5.99%
Termup to 6 years
Last UpdatedMay 7, 2026
Details
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Car Loans - New And Used
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As; Car Model Years 2023 - 2026
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
New Autos
6.00%
36 Months
▼
APR6.00%
Term36 Months
Last UpdatedMay 6, 2026
Details
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
Used Autos
6.00%
24 Months
▼
APR6.00%
Term24 Months
Last UpdatedMay 6, 2026
Details
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
New Car (2025 - 2026)
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedMay 6, 2026
Details
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Used Car (2022 - 2024)
6.00%
60 Months
▼
APR6.00%
Term60 Months
Last UpdatedMay 6, 2026
Details
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
New Automobile Loans
6.00%
24 Months
▼
APR6.00%
Term24 Months
Last UpdatedMay 7, 2026
Details
LTV MAX: 60%; FICO Score: E < 619
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
Used Automobile Loans
6.00%
24 Months
▼
APR6.00%
Term24 Months
Last UpdatedMay 7, 2026
Details
LTV MAX: 60%; FICO Score: E < 619
Methuen Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
New Auto
6.12%
24 mo.
▼
APR6.12%
Term24 mo.
Last UpdatedMay 5, 2026
Details
(7)
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Auto
6.24%
48 Months
▼
APR6.24%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
Tremont Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.31%
Auto Loans (2025-2026 Model Years)
6.24%
73 to 84
▼
APR6.24%
Term73 to 84
Last UpdatedMay 2, 2026
Details
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
Used Auto (Years 2021 - 2024)
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedMay 6, 2026
Details
Without Direct Deposit Auto Pay
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loans: Used Vehicle
6.25%
5 Years
▼
APR6.25%
Term5 Years
Last UpdatedMay 4, 2026
Details
Dean Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
New Cars
6.25%
48 Months
▼
APR6.25%
Term48 Months
Last UpdatedMay 5, 2026
Details
As Low As
Methuen Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
New Auto
6.25%
36 mo.
▼
APR6.25%
Term36 mo.
Last UpdatedMay 5, 2026
Details
APR6.25%
Term12-48
Last UpdatedMay 5, 2026
Details
Country Bank for Savings
Institution Rating:
A5.0 ★ Texas Ratio: 7.70%
Auto Loan
6.25%
60 Months
▼
APR6.25%
Term60 Months
Last UpdatedMay 5, 2026
Details
Year of Vehicle: 2024-2026
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
Used Autos
6.25%
36 Months
▼
APR6.25%
Term36 Months
Last UpdatedMay 6, 2026
Details
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Older Used Car (2019 - 2023)
6.25%
60 Months
▼
APR6.25%
Term60 Months
Last UpdatedMay 6, 2026
Details
Direct Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Auto Loan 2018-2019
6.29%
60 Months
▼
APR6.29%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
Methuen Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
New Auto
6.38%
48 mo.
▼
APR6.38%
Term48 mo.
Last UpdatedMay 5, 2026
Details
Direct Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Auto Loan 2018-2019
6.44%
66 Months
▼
APR6.44%
Term66 Months
Last UpdatedMay 6, 2026
Details
As Low As
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Car Loans - New And Used Car Model Year 2021
6.44%
72 Months
▼
APR6.44%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Auto
6.49%
60 Months
▼
APR6.49%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Used Auto
6.49%
48 Months
▼
APR6.49%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
APR6.49%
Term78 Months
Last UpdatedMay 2, 2026
Details
As Low As
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
Used Automobile
6.49%
12-72
▼
APR6.49%
Term12-72
Last UpdatedMay 7, 2026
Details
Up To $50,000; 90% NADA value; Years 2020-2026
Dean Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
Used Cars
6.50%
24 Months
▼
APR6.50%
Term24 Months
Last UpdatedMay 5, 2026
Details
As Low As
Methuen Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
New Auto
6.50%
60 mo.
▼
APR6.50%
Term60 mo.
Last UpdatedMay 5, 2026
Details
Webster Five Cents Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New Cars (2024 - 2027)
6.50%
36 Months
▼
APR6.50%
Term36 Months
Last UpdatedMay 5, 2026
Details
As Low As
Country Bank for Savings
Institution Rating:
A5.0 ★ Texas Ratio: 7.70%
Auto Loan
6.50%
72 Months
▼
APR6.50%
Term72 Months
Last UpdatedMay 5, 2026
Details
Year of Vehicle: 2024-2026
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
Used Autos
6.50%
72 Months
▼
APR6.50%
Term72 Months
Last UpdatedMay 6, 2026
Details
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Older Used Car (2018 and older) - 80% of KBB value
6.50%
48 Months
▼
APR6.50%
Term48 Months
Last UpdatedMay 6, 2026
Details
Health Alliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
Used Car Loans (2018, 2019)
6.50%
36-60
▼
APR6.50%
Term36-60
Last UpdatedMay 7, 2026
Details
Methuen Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
Used Auto
6.62%
24 mo.
▼
APR6.62%
Term24 mo.
Last UpdatedMay 5, 2026
Details
(3) (7)
Savers Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.61%
Auto Loan
6.72%
60 Months
▼
APR6.72%
Term60 Months
Last UpdatedMay 5, 2026
Details
Amount Financed: 100%; 2024 - New
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Auto
6.74%
72 Months
▼
APR6.74%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Used Auto
6.74%
60 Months
▼
APR6.74%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
Direct Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Auto Loan 2018-2019
6.74%
72 Months
▼
APR6.74%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As
Direct Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Auto Loan 2020-2021
6.74%
78 Months
▼
APR6.74%
Term78 Months
Last UpdatedMay 6, 2026
Details
As Low As
Direct Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Auto Loan 2022-2026
6.74%
84 Months
▼
APR6.74%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Car Loans - New And Used
6.74%
84 Months
▼
APR6.74%
Term84 Months
Last UpdatedMay 7, 2026
Details
As Low As; Car Model Years 2023 - 2026
Dean Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
New Cars
6.75%
60 Months
▼
APR6.75%
Term60 Months
Last UpdatedMay 5, 2026
Details
As Low As
Methuen Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
Used Auto
6.75%
36 mo.
▼
APR6.75%
Term36 mo.
Last UpdatedMay 5, 2026
Details
Webster Five Cents Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New Cars (2024 - 2027)
6.75%
48 Months
▼
APR6.75%
Term48 Months
Last UpdatedMay 5, 2026
Details
As Low As
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
Used Auto (Years 2018 - 2020)
6.75%
Up to 60 months
▼
APR6.75%
TermUp to 60 months
Last UpdatedMay 6, 2026
Details
Direct Deposit Auto Pay
Methuen Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
Used Auto
6.88%
48 mo.
▼
APR6.88%
Term48 mo.
Last UpdatedMay 5, 2026
Details
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 18.63%
New Auto
6.88%
84 Months
▼
APR6.88%
Term84 Months
Last UpdatedMay 2, 2026
Details
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Auto
6.99%
84 Months
▼
APR6.99%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Used Auto
6.99%
72 Months
▼
APR6.99%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Older Vehicles >10Years
6.99%
3 Years
▼
APR6.99%
Term3 Years
Last UpdatedApr 19, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Specialty Vehicle Loans (Max. of
6.99%
3 Years
▼
APR6.99%
Term3 Years
Last UpdatedApr 19, 2026
Details
$100,000
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Used Car Loans 2018-2020 Models
6.99%
48 Months
▼
APR6.99%
Term48 Months
Last UpdatedApr 19, 2026
Details
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 18.63%
Used Auto
6.99%
84 Months
▼
APR6.99%
Term84 Months
Last UpdatedMay 2, 2026
Details
APR6.99%
Term84 Months
Last UpdatedMay 2, 2026
Details
As Low As
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Used Autos 2016 - 2018
6.99%
60 Months
▼
APR6.99%
Term60 Months
Last UpdatedMay 6, 2026
Details
90% Financing
St Anthony Of Padua Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
Used Auto Loans - with 15% down
6.99%
48 Months
▼
APR6.99%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As; Maximum term to 48 months; Vehicles 6 years or older
Savings Bank Wakefield, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
New Auto - Maximum Loan Amount Model Year 2026 with 500 miles or less
7.00%
4 Months
▼
APR7.00%
Term4 Months
Last UpdatedMay 5, 2026
Details
$50,000
APR7.00%
Term12-48
Last UpdatedMay 5, 2026
Details
Lee Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
New / Used Vehicle (2023-2026)
7.00%
72 Months
▼
APR7.00%
Term72 Months
Last UpdatedMay 5, 2026
Details
0.25% discount with Lee Bank Relationship and Autopayment
Webster Five Cents Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New Cars (2024 - 2027)
7.00%
60 Months
▼
APR7.00%
Term60 Months
Last UpdatedMay 5, 2026
Details
As Low As
Webster Five Cents Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
Used Cars (2021 and Newer)
7.00%
36 Months
▼
APR7.00%
Term36 Months
Last UpdatedMay 5, 2026
Details
As Low As
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
Used Auto (Years 2018 - 2020)
7.00%
Up to 60 months
▼
APR7.00%
TermUp to 60 months
Last UpdatedMay 6, 2026
Details
Without Direct Deposit Auto Pay
St Michaels Fall River Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.65%
Auto Loans (new)
7.00%
60 mos
▼
APR7.00%
Term60 mos
Last UpdatedMay 6, 2026
Details
As Low As
Savers Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.61%
Auto Loan
7.17%
72 Months
▼
APR7.17%
Term72 Months
Last UpdatedMay 5, 2026
Details
Amount Financed: 100%; 2024 - New
Savers Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.61%
New Auto Loan
7.17%
84 Months
▼
APR7.17%
Term84 Months
Last UpdatedMay 5, 2026
Details
Amount Financed: 100%; Under 1,000 Miles
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Used Auto
7.24%
84 Months
▼
APR7.24%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Used Car Loans 2018-2020 Models
7.24%
60 Months
▼
APR7.24%
Term60 Months
Last UpdatedApr 19, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Older Vehicles >10Years
7.25%
4 Years
▼
APR7.25%
Term4 Years
Last UpdatedApr 19, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Specialty Vehicle Loans (Max. of
7.25%
4 Years
▼
APR7.25%
Term4 Years
Last UpdatedApr 19, 2026
Details
$100,000
Dean Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
New Cars
7.25%
72 Months
▼
APR7.25%
Term72 Months
Last UpdatedMay 5, 2026
Details
As Low As
Dean Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
Used Cars
7.25%
48 Months
▼
APR7.25%
Term48 Months
Last UpdatedMay 5, 2026
Details
As Low As
Reading Co-op Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
Auto Loans - New1or Used2
7.25%
48 Months
▼
APR7.25%
Term48 Months
Last UpdatedMay 5, 2026
Details
Webster Five Cents Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New Cars (2024 - 2027)
7.25%
72 Months
▼
APR7.25%
Term72 Months
Last UpdatedMay 5, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedMay 7, 2026
Details
As Low As
TEWKSBURY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Vehicle Loans
3.79%
36 Months
▼
APR3.79%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
New Auto Loans
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; APR with Auto Pay
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
New Autos
3.99%
72 Months
▼
APR3.99%
Term72 Months
Last UpdatedMay 6, 2026
Details
90% Financing
Plymouth County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
New Auto Loan
3.99%
65 Months
▼
APR3.99%
Term65 Months
Last UpdatedMay 7, 2026
Details
As Low As
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
New Auto Loans
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; APR with Auto Pay
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
New and Used Vehicle Loan
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; Maximum borrowed $150,000; Model Years 2025-2026
Worcester Fire Dept Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
NEW CAR (2024-2026)
4.49%
4 years
▼
APR4.49%
Term4 years
Last UpdatedApr 19, 2026
Details
As Low As
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
New Auto Loans
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As; APR with Auto Pay
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
New and Used Vehicle Loan
4.49%
71 Months
▼
APR4.49%
Term71 Months
Last UpdatedApr 19, 2026
Details
As Low As; Maximum borrowed $150,000; Model Years 2025-2026
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Car Loans 2025-2026 Models or newer
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedApr 19, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New < 25K miles Auto Loan
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 2, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedMay 7, 2026
Details
As Low As
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
New Car (2025 - 2026)
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 6, 2026
Details
Worcester Fire Dept Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
NEW CAR (2024-2026)
4.74%
5 years
▼
APR4.74%
Term5 years
Last UpdatedApr 19, 2026
Details
As Low As
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
New Auto Loans
4.74%
84 Months
▼
APR4.74%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As; APR with Auto Pay
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
New and Used Vehicle Loan
4.74%
84 Months
▼
APR4.74%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As; Maximum borrowed $150,000; Model Years 2025-2026
Mass Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New < 25K miles Auto Loans
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedMay 2, 2026
Details
Malden Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
New Auto
4.95%
2 - 5 Years
▼
APR4.95%
Term2 - 5 Years
Last UpdatedMay 6, 2026
Details
As Low As
Worcester Fire Dept Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
NEW CAR (2024-2026)
4.99%
6 years
▼
APR4.99%
Term6 years
Last UpdatedApr 19, 2026
Details
As Low As
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Car Loans 2025-2026 Models or newer
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 19, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loans: New Vehicle
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedMay 4, 2026
Details
St Anthony Of Padua Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
New Auto Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As; Maximum term to 60 months
Norfolk Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.97%
Auto Loans NEW
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedMay 6, 2026
Details
As Low As; Maximum Amount: $65,000
Plymouth County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
New Auto Loan
4.99%
75 Months
▼
APR4.99%
Term75 Months
Last UpdatedMay 7, 2026
Details
As Low As
Health Alliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
New Car Loans
4.99%
36-60
▼
APR4.99%
Term36-60
Last UpdatedMay 7, 2026
Details
As Low As
Morton Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
New Cars
4.99%
up to 7 years
▼
APR4.99%
Termup to 7 years
Last UpdatedMay 7, 2026
Details
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
New Car (2025 - 2026)
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMay 6, 2026
Details
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
New Automobile Loans
5.00%
24 Months
▼
APR5.00%
Term24 Months
Last UpdatedMay 7, 2026
Details
LTV MAX: 100%; FICO Score: Platinum 720+
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Car Loans 2025-2026 Models or newer
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedApr 19, 2026
Details
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
Auto Loans (2025 - Newer)
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedMay 6, 2026
Details
Direct Deposit Auto Pay
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 18.63%
New Auto
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMay 2, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loans: New Vehicle
5.25%
5 Years
▼
APR5.25%
Term5 Years
Last UpdatedMay 4, 2026
Details
APR5.25%
Term48 Months
Last UpdatedMay 5, 2026
Details
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
New Automobile
5.25%
1-48
▼
APR5.25%
Term1-48
Last UpdatedMay 7, 2026
Details
Up To $60,000; 100% NADA value; Years 2025-2026; Maximum mileage up to 8,000
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
New Automobile Loans
5.25%
24 Months
▼
APR5.25%
Term24 Months
Last UpdatedMay 7, 2026
Details
LTV MAX: 90%; FICO Score: B 679-660
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Car Loans - New And Used
5.39%
36 Months
▼
APR5.39%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As; Car Model Years 2023 - 2026
Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Auto Loans - New
5.49%
Up to 60 months
▼
APR5.49%
TermUp to 60 months
Last UpdatedMay 5, 2026
Details
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
Auto Loans (2025 - Newer)
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 6, 2026
Details
Without Direct Deposit Auto Pay
Plymouth County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
New Auto Loan
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 7, 2026
Details
As Low As
Health Alliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
New Car Loans
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 7, 2026
Details
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Car Loans - New And Used
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As
APR5.50%
Term60 Months
Last UpdatedMay 5, 2026
Details
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
New Car (2025 - 2026)
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMay 6, 2026
Details
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
New Automobile Loans
5.50%
24 Months
▼
APR5.50%
Term24 Months
Last UpdatedMay 7, 2026
Details
LTV MAX: 80%; FICO Score: C 659-640
Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Auto Loans - New
5.74%
72 months
▼
APR5.74%
Term72 months
Last UpdatedMay 5, 2026
Details
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 18.63%
New Auto
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedMay 2, 2026
Details
Dean Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
New Cars
5.75%
36 Months
▼
APR5.75%
Term36 Months
Last UpdatedMay 5, 2026
Details
As Low As
APR5.75%
Term72 Months
Last UpdatedMay 5, 2026
Details
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
New Autos
5.75%
24 Months
▼
APR5.75%
Term24 Months
Last UpdatedMay 6, 2026
Details
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
New Automobile Loans
5.75%
24 Months
▼
APR5.75%
Term24 Months
Last UpdatedMay 7, 2026
Details
LTV MAX: 70%; FICO Score: D 639-620
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Car Loans - New And Used Car Model Year 2021
5.94%
36 Months
▼
APR5.94%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As
Massachusetts Family Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
New Vehicle
5.99%
60 month
▼
APR5.99%
Term60 month
Last UpdatedMay 2, 2026
Details
As Low As; Over 60 Month: 6.75% APR***
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
New Automobile
5.99%
49-72
▼
APR5.99%
Term49-72
Last UpdatedMay 7, 2026
Details
Up To $60,000; 100% NADA value; Years 2025-2026; Maximum mileage up to 8,000
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Car Loans - New And Used
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As; Car Model Years 2023 - 2026
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
New Autos
6.00%
36 Months
▼
APR6.00%
Term36 Months
Last UpdatedMay 6, 2026
Details
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
New Car (2025 - 2026)
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedMay 6, 2026
Details
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
New Automobile Loans
6.00%
24 Months
▼
APR6.00%
Term24 Months
Last UpdatedMay 7, 2026
Details
LTV MAX: 60%; FICO Score: E < 619
Methuen Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
New Auto
6.12%
24 mo.
▼
APR6.12%
Term24 mo.
Last UpdatedMay 5, 2026
Details
(7)
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Auto
6.24%
48 Months
▼
APR6.24%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
Dean Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
New Cars
6.25%
48 Months
▼
APR6.25%
Term48 Months
Last UpdatedMay 5, 2026
Details
As Low As
Methuen Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
New Auto
6.25%
36 mo.
▼
APR6.25%
Term36 mo.
Last UpdatedMay 5, 2026
Details
Methuen Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
New Auto
6.38%
48 mo.
▼
APR6.38%
Term48 mo.
Last UpdatedMay 5, 2026
Details
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Car Loans - New And Used Car Model Year 2021
6.44%
72 Months
▼
APR6.44%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Auto
6.49%
60 Months
▼
APR6.49%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
Methuen Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
New Auto
6.50%
60 mo.
▼
APR6.50%
Term60 mo.
Last UpdatedMay 5, 2026
Details
Webster Five Cents Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New Cars (2024 - 2027)
6.50%
36 Months
▼
APR6.50%
Term36 Months
Last UpdatedMay 5, 2026
Details
As Low As
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Auto
6.74%
72 Months
▼
APR6.74%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Car Loans - New And Used
6.74%
84 Months
▼
APR6.74%
Term84 Months
Last UpdatedMay 7, 2026
Details
As Low As; Car Model Years 2023 - 2026
Dean Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
New Cars
6.75%
60 Months
▼
APR6.75%
Term60 Months
Last UpdatedMay 5, 2026
Details
As Low As
Webster Five Cents Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New Cars (2024 - 2027)
6.75%
48 Months
▼
APR6.75%
Term48 Months
Last UpdatedMay 5, 2026
Details
As Low As
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 18.63%
New Auto
6.88%
84 Months
▼
APR6.88%
Term84 Months
Last UpdatedMay 2, 2026
Details
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Auto
6.99%
84 Months
▼
APR6.99%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As
Savings Bank Wakefield, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
New Auto - Maximum Loan Amount Model Year 2026 with 500 miles or less
7.00%
4 Months
▼
APR7.00%
Term4 Months
Last UpdatedMay 5, 2026
Details
$50,000
Lee Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
New / Used Vehicle (2023-2026)
7.00%
72 Months
▼
APR7.00%
Term72 Months
Last UpdatedMay 5, 2026
Details
0.25% discount with Lee Bank Relationship and Autopayment
Webster Five Cents Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New Cars (2024 - 2027)
7.00%
60 Months
▼
APR7.00%
Term60 Months
Last UpdatedMay 5, 2026
Details
As Low As
Webster Five Cents Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
Used Cars (2021 and Newer)
7.00%
36 Months
▼
APR7.00%
Term36 Months
Last UpdatedMay 5, 2026
Details
As Low As
St Michaels Fall River Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.65%
Auto Loans (new)
7.00%
60 mos
▼
APR7.00%
Term60 mos
Last UpdatedMay 6, 2026
Details
As Low As
Savers Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.61%
New Auto Loan
7.17%
84 Months
▼
APR7.17%
Term84 Months
Last UpdatedMay 5, 2026
Details
Amount Financed: 100%; Under 1,000 Miles
Dean Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
New Cars
7.25%
72 Months
▼
APR7.25%
Term72 Months
Last UpdatedMay 5, 2026
Details
As Low As
Reading Co-op Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
Auto Loans - New1or Used2
7.25%
48 Months
▼
APR7.25%
Term48 Months
Last UpdatedMay 5, 2026
Details
Webster Five Cents Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New Cars (2024 - 2027)
7.25%
72 Months
▼
APR7.25%
Term72 Months
Last UpdatedMay 5, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
St Anthony Of Padua Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
Used Auto Loans - with 15% down
3.10%
36 Months
▼
APR3.10%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
TEWKSBURY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Vehicle Loans
3.79%
36 Months
▼
APR3.79%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
Pre-Owned Auto Loans
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; APR with Auto Pay
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Used Autos 2025 - 2026
3.99%
72 Months
▼
APR3.99%
Term72 Months
Last UpdatedMay 6, 2026
Details
90% Financing
St Anthony Of Padua Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
Used Auto Loans - with 15% down
4.10%
48 Months
▼
APR4.10%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
Pre-Owned Auto Loans
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; APR with Auto Pay
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
New and Used Vehicle Loan
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; Maximum borrowed $150,000; Model Years 2025-2026
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
Used Vehicle Loan (Model Years 2022-2024)
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; Maximum borrowed $150,000
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedMay 7, 2026
Details
As Low As
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
Pre-Owned Auto Loans
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As; APR with Auto Pay
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
New and Used Vehicle Loan
4.49%
71 Months
▼
APR4.49%
Term71 Months
Last UpdatedApr 19, 2026
Details
As Low As; Maximum borrowed $150,000; Model Years 2025-2026
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
Used Vehicle Loan (Model Years 2022-2024)
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; Maximum borrowed $150,000
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
New and Used Vehicle Loan
4.74%
84 Months
▼
APR4.74%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As; Maximum borrowed $150,000; Model Years 2025-2026
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
Used Vehicle Loan (Model Years 2022-2024)
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As; Maximum borrowed $150,000
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Used Car Loans 2023-2024 Models
4.74%
24 Months
▼
APR4.74%
Term24 Months
Last UpdatedApr 19, 2026
Details
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Used Car (2022 - 2024)
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMay 6, 2026
Details
Malden Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
Used Auto (Under 4 Years Old)
4.95%
4 Years
▼
APR4.95%
Term4 Years
Last UpdatedMay 6, 2026
Details
As Low As
Mass Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used > 25K miles Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 2, 2026
Details
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Used Autos 2022 - 2024
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 6, 2026
Details
90% Financing
Health Alliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
Used Car Loans (2023,2024)
4.99%
36-60
▼
APR4.99%
Term36-60
Last UpdatedMay 7, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 7, 2026
Details
As Low As
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
Used Automobile Loans
5.00%
24 Months
▼
APR5.00%
Term24 Months
Last UpdatedMay 7, 2026
Details
LTV MAX: 100%; FICO Score: Platinum 720+
New Bedford Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.29%
Used Auto - 2021 - 2019 models
5.20%
36 Months
▼
APR5.20%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; 100% financing available
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Used Car Loans 2021-2022 Models
5.24%
24 Months
▼
APR5.24%
Term24 Months
Last UpdatedApr 19, 2026
Details
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Used Car Loans 2023-2024 Models
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedApr 19, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used > 25K miles Auto Loans
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 2, 2026
Details
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Older Used Car (2019 - 2023)
5.25%
36 Months
▼
APR5.25%
Term36 Months
Last UpdatedMay 6, 2026
Details
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
Used Automobile Loans
5.25%
24 Months
▼
APR5.25%
Term24 Months
Last UpdatedMay 7, 2026
Details
LTV MAX: 90%; FICO Score: B 679-660
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Car Loans - New And Used
5.39%
36 Months
▼
APR5.39%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As; Car Model Years 2023 - 2026
Malden Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
Used Auto (Over 4 Years Old; No More Than 10 Years)
5.45%
4 Years
▼
APR5.45%
Term4 Years
Last UpdatedMay 6, 2026
Details
As Low As
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
Used Vehicle Loan
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; Maximum borrowed $50,000
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Used Car Loans 2021-2022 Models
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedApr 19, 2026
Details
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 18.63%
Used Auto
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 2, 2026
Details
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
Used Auto (Years 2021 - 2024)
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 6, 2026
Details
Direct Deposit Auto Pay
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Car Loans - New And Used
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As
APR5.50%
Term48 Months
Last UpdatedMay 5, 2026
Details
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Used Car (2022 - 2024)
5.50%
48 Months
▼
APR5.50%
Term48 Months
Last UpdatedMay 6, 2026
Details
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
Used Automobile Loans
5.50%
24 Months
▼
APR5.50%
Term24 Months
Last UpdatedMay 7, 2026
Details
LTV MAX: 80%; FICO Score: C 659-640
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 18.63%
Used Auto
5.63%
72 Months
▼
APR5.63%
Term72 Months
Last UpdatedMay 2, 2026
Details
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Used Car Loans 2023-2024 Models
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedApr 19, 2026
Details
Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Auto Loans - Used
5.74%
Up to 60 months
▼
APR5.74%
TermUp to 60 months
Last UpdatedMay 5, 2026
Details
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
Used Auto (Years 2021 - 2024)
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedMay 6, 2026
Details
Without Direct Deposit Auto Pay
APR5.75%
Term60 Months
Last UpdatedMay 5, 2026
Details
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Older Used Car (2019 - 2023)
5.75%
48 Months
▼
APR5.75%
Term48 Months
Last UpdatedMay 6, 2026
Details
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
Used Automobile Loans
5.75%
24 Months
▼
APR5.75%
Term24 Months
Last UpdatedMay 7, 2026
Details
LTV MAX: 70%; FICO Score: D 639-620
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Car Loans - New And Used Car Model Year 2021
5.94%
36 Months
▼
APR5.94%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
Used Vehicle Loan
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; Maximum borrowed $50,000
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Used Car Loans 2021-2022 Models
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedApr 19, 2026
Details
Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Auto Loans - Used
5.99%
72 months
▼
APR5.99%
Term72 months
Last UpdatedMay 5, 2026
Details
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Used Autos 2019 - 2021
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 6, 2026
Details
90% Financing
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
Used Auto (Years 2021 - 2024)
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 6, 2026
Details
Direct Deposit Auto Pay
St Anthony Of Padua Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
Used Auto Loans - with 15% down
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As; Maximum term to 48 months; Vehicles 1 - 5 years old
Health Alliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
Used Car Loans (2020,2021,2022)
5.99%
36-60
▼
APR5.99%
Term36-60
Last UpdatedMay 7, 2026
Details
Health Alliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
Used Car Loans (2023,2024)
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 7, 2026
Details
Morton Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
Used Cars
5.99%
up to 6 years
▼
APR5.99%
Termup to 6 years
Last UpdatedMay 7, 2026
Details
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Car Loans - New And Used
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As; Car Model Years 2023 - 2026
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
Used Autos
6.00%
24 Months
▼
APR6.00%
Term24 Months
Last UpdatedMay 6, 2026
Details
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Used Car (2022 - 2024)
6.00%
60 Months
▼
APR6.00%
Term60 Months
Last UpdatedMay 6, 2026
Details
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
Used Automobile Loans
6.00%
24 Months
▼
APR6.00%
Term24 Months
Last UpdatedMay 7, 2026
Details
LTV MAX: 60%; FICO Score: E < 619
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
Used Auto (Years 2021 - 2024)
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedMay 6, 2026
Details
Without Direct Deposit Auto Pay
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loans: Used Vehicle
6.25%
5 Years
▼
APR6.25%
Term5 Years
Last UpdatedMay 4, 2026
Details
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
Used Autos
6.25%
36 Months
▼
APR6.25%
Term36 Months
Last UpdatedMay 6, 2026
Details
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Older Used Car (2019 - 2023)
6.25%
60 Months
▼
APR6.25%
Term60 Months
Last UpdatedMay 6, 2026
Details
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Car Loans - New And Used Car Model Year 2021
6.44%
72 Months
▼
APR6.44%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Used Auto
6.49%
48 Months
▼
APR6.49%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
Used Automobile
6.49%
12-72
▼
APR6.49%
Term12-72
Last UpdatedMay 7, 2026
Details
Up To $50,000; 90% NADA value; Years 2020-2026
Dean Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
Used Cars
6.50%
24 Months
▼
APR6.50%
Term24 Months
Last UpdatedMay 5, 2026
Details
As Low As
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
Used Autos
6.50%
72 Months
▼
APR6.50%
Term72 Months
Last UpdatedMay 6, 2026
Details
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Older Used Car (2018 and older) - 80% of KBB value
6.50%
48 Months
▼
APR6.50%
Term48 Months
Last UpdatedMay 6, 2026
Details
Health Alliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
Used Car Loans (2018, 2019)
6.50%
36-60
▼
APR6.50%
Term36-60
Last UpdatedMay 7, 2026
Details
Methuen Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
Used Auto
6.62%
24 mo.
▼
APR6.62%
Term24 mo.
Last UpdatedMay 5, 2026
Details
(3) (7)
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Used Auto
6.74%
60 Months
▼
APR6.74%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Car Loans - New And Used
6.74%
84 Months
▼
APR6.74%
Term84 Months
Last UpdatedMay 7, 2026
Details
As Low As; Car Model Years 2023 - 2026
Methuen Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
Used Auto
6.75%
36 mo.
▼
APR6.75%
Term36 mo.
Last UpdatedMay 5, 2026
Details
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
Used Auto (Years 2018 - 2020)
6.75%
Up to 60 months
▼
APR6.75%
TermUp to 60 months
Last UpdatedMay 6, 2026
Details
Direct Deposit Auto Pay
Methuen Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
Used Auto
6.88%
48 mo.
▼
APR6.88%
Term48 mo.
Last UpdatedMay 5, 2026
Details
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Used Auto
6.99%
72 Months
▼
APR6.99%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Used Car Loans 2018-2020 Models
6.99%
48 Months
▼
APR6.99%
Term48 Months
Last UpdatedApr 19, 2026
Details
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 18.63%
Used Auto
6.99%
84 Months
▼
APR6.99%
Term84 Months
Last UpdatedMay 2, 2026
Details
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Used Autos 2016 - 2018
6.99%
60 Months
▼
APR6.99%
Term60 Months
Last UpdatedMay 6, 2026
Details
90% Financing
St Anthony Of Padua Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
Used Auto Loans - with 15% down
6.99%
48 Months
▼
APR6.99%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As; Maximum term to 48 months; Vehicles 6 years or older
Lee Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
New / Used Vehicle (2023-2026)
7.00%
72 Months
▼
APR7.00%
Term72 Months
Last UpdatedMay 5, 2026
Details
0.25% discount with Lee Bank Relationship and Autopayment
Webster Five Cents Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
Used Cars (2021 and Newer)
7.00%
36 Months
▼
APR7.00%
Term36 Months
Last UpdatedMay 5, 2026
Details
As Low As
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
Used Auto (Years 2018 - 2020)
7.00%
Up to 60 months
▼
APR7.00%
TermUp to 60 months
Last UpdatedMay 6, 2026
Details
Without Direct Deposit Auto Pay
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Used Auto
7.24%
84 Months
▼
APR7.24%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Used Car Loans 2018-2020 Models
7.24%
60 Months
▼
APR7.24%
Term60 Months
Last UpdatedApr 19, 2026
Details
Dean Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
Used Cars
7.25%
48 Months
▼
APR7.25%
Term48 Months
Last UpdatedMay 5, 2026
Details
As Low As
Reading Co-op Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
Auto Loans - New1or Used2
7.25%
48 Months
▼
APR7.25%
Term48 Months
Last UpdatedMay 5, 2026
Details
Powered by
MonitorBankRates
Medford, MA Auto Loan Rate Trends
Compare local Medford, 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.
New Auto Loan — MA Avg
6.469%
▼ 0.153 vs 7 days ago
Massachusetts new auto rates fell 0.153 points over the past 7 days to 6.469% APR.
Used Auto Loan — MA Avg
6.281%
▼ 0.534 vs 7 days ago
Massachusetts used auto rates fell 0.534 points over the past 7 days to 6.281% APR.
As of May 9, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in Medford, Massachusetts
How does my credit score affect my car loan rate in Massachusetts?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Medford, Massachusetts with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.
Is it better to finance through a dealership or a bank?
It is highly recommended to get pre-approved through a local bank or credit union in Massachusetts *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.
What is the difference between New and Used Auto Loan rates?
Lenders in Medford, Massachusetts typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
What are the best Auto Loan rates in Medford, Massachusetts?
Based on our current data, some of the lowest auto loan rates available in Medford, Massachusetts include:
- St Anthony Of Padua Federal Credit Union: 3.10% (Used Auto Loans - with 15% down)
- Baxter Credit Union: 3.24% (Auto Loans)
- American Airlines Federal Credit Union: 3.74% (New Auto)
- TEWKSBURY: 3.79% (New & Used Vehicle Loans)
- Quincy Credit Union: 3.99% (New Auto Loans)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Medford, Massachusetts. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 7, 2026
Rate Assistant
MonitorBankRates.com · Live Data
Try asking