Auto Loan Rates in Somerset, Massachusetts (MA) for March 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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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.
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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 Somerset, Massachusetts. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Somerset, Massachusetts include St Annes Credit UnionSt Annes Credit Union215 County St, Somerset, MA, 02726 4293A+5.0 ★Texas Ratio: 3.11% offering New Auto 2025-2024 at 6.09%, St Michaels Fall River Federal Credit UnionSt Michaels Fall River Federal Credit Union1004 County St, Somerset, MA, 02726 5138A-4.9 ★Texas Ratio: 16.65% offering Auto Loans (new) at 7.00%, BayCoast BankBayCoast Bank921 Grand Army Hwy, Somerset, MA, 02726A+5.0 ★Texas Ratio: 1.32% offering New Only Auto Loans at 7.75%, Somerset Federal Credit UnionSomerset Federal Credit Union740 County St, Somerset, MA, 02726A+5.0 ★Texas Ratio: 0.49% offering New Auto Loan at 9.00%, Baxter Credit UnionBaxter Credit Union100 Boston Scientific Way, Marlborough, MA, 01752A5.0 ★Texas Ratio: 7.73% offering Auto Loans at 3.24%.
Auto loan rates in Somerset, Massachusetts are continually updated to reflect market conditions. We recommend comparing rates from multiple lenders before visiting the dealership.
We empower borrowers with transparent financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently choose a stable, highly-rated institution.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Somerset, Massachusetts. Auto Loan Rates Last Updated and Verified: March 22, 2026
Compare Auto Loan Rates Today in Somerset, Massachusetts & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
St Annes Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
215 County St, Somerset, MA, 02726 4293
New Auto 2025-2024
6.09%
36-60
▼
APR6.09%
Term36-60
Last UpdatedMar 15, 2026
Details
As Low As
St Annes Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
215 County St, Somerset, MA, 02726 4293
New Auto 2025-2024
6.29%
61-75
▼
APR6.29%
Term61-75
Last UpdatedMar 15, 2026
Details
As Low As
St Annes Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
215 County St, Somerset, MA, 02726 4293
Used Auto 2023-2015
6.49%
36-60
▼
APR6.49%
Term36-60
Last UpdatedMar 15, 2026
Details
As Low As
St Michaels Fall River Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.65%
1004 County St, Somerset, MA, 02726 5138
Auto Loans (new)
7.00%
60 mos
▼
APR7.00%
Term60 mos
Last UpdatedMar 15, 2026
Details
As Low As
St Annes Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
215 County St, Somerset, MA, 02726 4293
Used Auto 2023-2015
7.69%
61-72
▼
APR7.69%
Term61-72
Last UpdatedMar 15, 2026
Details
As Low As
BayCoast Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
921 Grand Army Hwy, Somerset, MA, 02726
New Only Auto Loans
7.75%
36 months
▼
APR7.75%
Term36 months
Last UpdatedMar 18, 2026
Details
BayCoast Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
921 Grand Army Hwy, Somerset, MA, 02726
New Only Auto Loans
8.00%
48 months
▼
APR8.00%
Term48 months
Last UpdatedMar 18, 2026
Details
BayCoast Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
921 Grand Army Hwy, Somerset, MA, 02726
Used Only Auto Loans
8.00%
36 months
▼
APR8.00%
Term36 months
Last UpdatedMar 18, 2026
Details
BayCoast Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
921 Grand Army Hwy, Somerset, MA, 02726
New Only Auto Loans
8.25%
60 months
▼
APR8.25%
Term60 months
Last UpdatedMar 18, 2026
Details
BayCoast Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
921 Grand Army Hwy, Somerset, MA, 02726
Used Only Auto Loans
8.25%
48 months
▼
APR8.25%
Term48 months
Last UpdatedMar 18, 2026
Details
BayCoast Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
921 Grand Army Hwy, Somerset, MA, 02726
New Only Auto Loans
8.50%
72 months
▼
APR8.50%
Term72 months
Last UpdatedMar 18, 2026
Details
BayCoast Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
921 Grand Army Hwy, Somerset, MA, 02726
Used Only Auto Loans
8.50%
60 months
▼
APR8.50%
Term60 months
Last UpdatedMar 18, 2026
Details
St Michaels Fall River Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.65%
1004 County St, Somerset, MA, 02726 5138
Used Auto 2018
9.00%
60 mos
▼
APR9.00%
Term60 mos
Last UpdatedMar 15, 2026
Details
As Low As
Somerset Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
740 County St, Somerset, MA, 02726
New Auto Loan
9.00%
12 Months
▼
APR9.00%
Term12 Months
Last UpdatedMar 21, 2026
Details
As Low As
Somerset Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
740 County St, Somerset, MA, 02726
New Auto Loan
9.25%
48 Months
▼
APR9.25%
Term48 Months
Last UpdatedMar 21, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
100 Boston Scientific Way, Marlborough, MA, 01752
Auto Loans
3.24%
Auto Buying Service
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMar 18, 2026
Details
As Low As; APR - 2026 & Newer
TEWKSBURY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
752 Main St, Tewksbury, MA, 01876
New & Used Vehicle Loans
3.79%
36 Months
▼
APR3.79%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As; Terms from 36 to 84 months with Direct Deposit
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
100 Boston Scientific Way, Marlborough, MA, 01752
Auto Loans
3.99%
0 - 75 Months
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMar 18, 2026
Details
As Low As; APR - 2026 & Newer
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
100 Quincy Ave, Quincy, MA, 02169 6714
New Auto Loans
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedMar 21, 2026
Details
As Low As
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
100 Quincy Ave, Quincy, MA, 02169 6714
Pre-Owned Auto Loans
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedMar 21, 2026
Details
As Low As
Polish National Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
46 Main St, Chicopee, MA, 01020
New Automobile Loans, 2025-2026 Model Years (Never Registered)
3.99%
84 Months
▼
APR3.99%
Term84 Months
Last UpdatedMar 21, 2026
Details
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
455 W Broadway, South Boston, MA, 02127 2218
Used Vehicle Loan Model Years 2022-2024
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As; Maximum borrowed $150,000
Common Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
8 Cedar St, Woburn, MA, 01801 7246
President's Day Auto Loan
4.24%
60 Months
▼
APR4.24%
Term60 Months
Last UpdatedMar 18, 2026
Details
As Low As
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
24 Church St, Leominster, MA, 01453
New / Used Auto Loans 2022 - 2021
4.24%
60 Months
▼
APR4.24%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay.; 100% financing available for qualified vehicles.; Used Vehicle rates are based on J.D. Power book value; 84 Month Term for qualified vehicles and borrowers only; All rates are subject to change without notice.
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
24 Church St, Leominster, MA, 01453
New / Used Auto Loans 2026 - 2023
4.24%
60 Months
▼
APR4.24%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay.; 100% financing available for qualified vehicles.; Used Vehicle rates are based on J.D. Power book value; 84 Month Term for qualified vehicles and borrowers only; All rates are subject to change without notice.
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
100 Quincy Ave, Quincy, MA, 02169 6714
New Auto Loans
4.24%
37 - 48 months
▼
APR4.24%
Term37 - 48 months
Last UpdatedMar 21, 2026
Details
As Low As
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
100 Quincy Ave, Quincy, MA, 02169 6714
Pre-Owned Auto Loans
4.24%
37 - 48 months
▼
APR4.24%
Term37 - 48 months
Last UpdatedMar 21, 2026
Details
As Low As
Worcester Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
520 W Boylston St, Worcester, MA, 01606 2026
New Vehicle (2024 & Newer) Loans & Refinancing
4.24%
1 Year
▼
APR4.24%
Term1 Year
Last UpdatedMar 22, 2026
Details
As Low As
Methuen Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
248 Broadway, Methuen, MA, 01844
Auto Loan (New or Used)
4.25%
up to 36 months
▼
APR4.25%
Termup to 36 months
Last UpdatedMar 17, 2026
Details
As Low As
Methuen Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
248 Broadway, Methuen, MA, 01844
Auto Loan (Used)
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As; up to 36 months
Greater Springfield Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
1030 Wilbraham Rd, Springfield, MA, 01109
New and Used Autos
4.25%
3 Years
▼
APR4.25%
Term3 Years
Last UpdatedMar 20, 2026
Details
As Low As; Maximum Loan Amount is $75,000
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
455 W Broadway, South Boston, MA, 02127 2218
Used Vehicle Loan Model Years 2022-2024
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMar 16, 2026
Details
As Low As; Maximum borrowed $150,000
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
100 Boston Scientific Way, Marlborough, MA, 01752
Auto Loans
4.49%
Auto Buying Service
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMar 18, 2026
Details
As Low As; APR - 2023 - 2025*
Mass Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
1250 Hancock St, Quincy, MA, 02169
New < 25K miles Auto Refi
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
100 Quincy Ave, Quincy, MA, 02169 6714
New Auto Loans
4.49%
49 - 72 months
▼
APR4.49%
Term49 - 72 months
Last UpdatedMar 21, 2026
Details
As Low As
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
100 Quincy Ave, Quincy, MA, 02169 6714
Pre-Owned Auto Loans
4.49%
49 - 72 months
▼
APR4.49%
Term49 - 72 months
Last UpdatedMar 21, 2026
Details
As Low As
Watertown Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
149 MAIN ST, WATERTOWN, MA, 02472 4410
New/Refinanced New Autos 2024/2025 Models
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 22, 2026
Details
Worcester Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
520 W Boylston St, Worcester, MA, 01606 2026
New Vehicle (2024 & Newer) Loans & Refinancing
4.49%
5 Years
▼
APR4.49%
Term5 Years
Last UpdatedMar 22, 2026
Details
As Low As
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA, 02143
New Car (2025 - 2026)
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMar 17, 2026
Details
Methuen Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
248 Broadway, Methuen, MA, 01844
Auto Loan (Used)
4.55%
60 Months
▼
APR4.55%
Term60 Months
Last UpdatedMar 17, 2026
Details
As Low As; up to 60 months
Watertown Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
149 MAIN ST, WATERTOWN, MA, 02472 4410
New/Refinanced New Autos 2024/2025 Models
4.55%
48 Months
▼
APR4.55%
Term48 Months
Last UpdatedMar 22, 2026
Details
MyCom Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.63%
101 Fenn St, Pittsfield, MA, 01201
New Auto 2023 - 2026
4.59%
36 Months
▼
APR4.59%
Term36 Months
Last UpdatedMar 20, 2026
Details
MyCom Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.63%
101 Fenn St, Pittsfield, MA, 01201
New Auto 2023 - 2026
4.69%
48 Months
▼
APR4.69%
Term48 Months
Last UpdatedMar 20, 2026
Details
UKRAINIAN SELFRELIANCE NEW ENGLAND
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
103 N Elm St, Westfield, MA, 01085 1603
2024 or Newer Auto Loan
4.69%
12-48
▼
APR4.69%
Term12-48
Last UpdatedMar 22, 2026
Details
As Low As
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
155 State St, Newburyport, MA, 01950
New Car Loans 2025-2026 Models or newer
4.74%
24 Months
▼
APR4.74%
Term24 Months
Last UpdatedMar 15, 2026
Details
Published rates reflects a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply.
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
455 W Broadway, South Boston, MA, 02127 2218
Used Vehicle Loan Model Years 2022-2024
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedMar 16, 2026
Details
As Low As; Maximum borrowed $150,000
Common Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
8 Cedar St, Woburn, MA, 01801 7246
President's Day Auto Loan
4.74%
84 Months
▼
APR4.74%
Term84 Months
Last UpdatedMar 18, 2026
Details
As Low As
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
24 Church St, Leominster, MA, 01453
New / Used Auto Loans 2020 & Older
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay.; 100% financing available for qualified vehicles.; Used Vehicle rates are based on J.D. Power book value; 84 Month Term for qualified vehicles and borrowers only; All rates are subject to change without notice.
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
24 Church St, Leominster, MA, 01453
New / Used Auto Loans 2026 - 2023
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay.; 100% financing available for qualified vehicles.; Used Vehicle rates are based on J.D. Power book value; 84 Month Term for qualified vehicles and borrowers only; All rates are subject to change without notice.
Mass Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
1250 Hancock St, Quincy, MA, 02169
New < 25K miles Auto Refi
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
100 Quincy Ave, Quincy, MA, 02169 6714
New Auto Loans
4.74%
73 - 84 months
▼
APR4.74%
Term73 - 84 months
Last UpdatedMar 21, 2026
Details
As Low As
Worcester Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
520 W Boylston St, Worcester, MA, 01606 2026
Used Vehicle (2023 & Older) Loans & Refinancing
4.74%
1 Year
▼
APR4.74%
Term1 Year
Last UpdatedMar 22, 2026
Details
As Low As
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA, 02143
Used Car (2022 - 2024)
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMar 17, 2026
Details
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
282 Providence Hwy, Westwood, MA, 02090
Used Auto Loan (vehicle year 2022 - 2026)
4.75%
3 Months
▼
APR4.75%
Term3 Months
Last UpdatedMar 17, 2026
Details
As Low As; APR*
Brookline Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
334 WASHINGTON ST, BROOKLINE, MA, 02445 6850
New Auto
4.75%
Up to 24 mos.
▼
APR4.75%
TermUp to 24 mos.
Last UpdatedMar 18, 2026
Details
Watertown Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
149 MAIN ST, WATERTOWN, MA, 02472 4410
New/Refinanced New Autos 2024/2025 Models
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMar 22, 2026
Details
MyCom Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.63%
101 Fenn St, Pittsfield, MA, 01201
New Auto 2023 - 2026
4.79%
60 Months
▼
APR4.79%
Term60 Months
Last UpdatedMar 20, 2026
Details
MyCom Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.63%
101 Fenn St, Pittsfield, MA, 01201
New Auto 2023 - 2026
4.89%
72 Months
▼
APR4.89%
Term72 Months
Last UpdatedMar 20, 2026
Details
UKRAINIAN SELFRELIANCE NEW ENGLAND
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
103 N Elm St, Westfield, MA, 01085 1603
2024 or Newer Auto Loan
4.89%
49-60
▼
APR4.89%
Term49-60
Last UpdatedMar 22, 2026
Details
As Low As
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
311 Chestnut St, Chelsea, MA, 02150
New Autos
4.90%
72 Months
▼
APR4.90%
Term72 Months
Last UpdatedMar 18, 2026
Details
90% Financing
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
311 Chestnut St, Chelsea, MA, 02150
Used Autos 2025 - 2026
4.90%
72 Months
▼
APR4.90%
Term72 Months
Last UpdatedMar 18, 2026
Details
90% Financing
Malden Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
10 Holden St, Malden, MA, 02148
New Auto
4.95%
2 - 5 Years
▼
APR4.95%
Term2 - 5 Years
Last UpdatedMar 17, 2026
Details
As Low As
Malden Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
10 Holden St, Malden, MA, 02148
Used Auto (Under 4 Years Old)
4.95%
4 Years
▼
APR4.95%
Term4 Years
Last UpdatedMar 17, 2026
Details
As Low As
Alltrust Credit Union
Institution Rating:
D3.5 ★ Texas Ratio: 33.38%
123 Alden Rd, Fairhaven, MA, 02719
Auto Loan - Model Years 2019-2020
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 13, 2026
Details
Up to 90% loan-to-value
Alltrust Credit Union
Institution Rating:
D3.5 ★ Texas Ratio: 33.38%
123 Alden Rd, Fairhaven, MA, 02719
Auto Loan - Model Years 2021-2022
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 13, 2026
Details
Up to 95% loan-to-value
Alltrust Credit Union
Institution Rating:
D3.5 ★ Texas Ratio: 33.38%
123 Alden Rd, Fairhaven, MA, 02719
Auto Loan - Model Years 2023 or later
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 13, 2026
Details
Up to 100% loan-to-value
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
155 State St, Newburyport, MA, 01950
Used Car Loans 2023-2024 Models
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedMar 15, 2026
Details
Annual Percentage Rate (APR) effective 2/1/26. Published rates reflect a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply.
Norfolk Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.97%
18 Union St Ste 104, Norfolk, MA, 02056 1855
Auto Loans NEW
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedMar 17, 2026
Details
As Low As; Maximum Amount: $65,000
Morton Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
88 washington st, taunton, MA, 02780 2465
New Cars
4.99%
up to 7 years
▼
APR4.99%
Termup to 7 years
Last UpdatedMar 17, 2026
Details
Health Alliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
230 Highland Ave, Somerville, MA, 02143 1408
New Car Loans
4.99%
36-60
▼
APR4.99%
Term36-60
Last UpdatedMar 17, 2026
Details
As Low As
Health Alliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
230 Highland Ave, Somerville, MA, 02143 1408
Used Car Loans (2023,2024)
4.99%
36-60
▼
APR4.99%
Term36-60
Last UpdatedMar 17, 2026
Details
Alden Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.29%
710 Grattan St, Chicopee, MA, 01020 1255
New & Used Auto Loans
4.99%
Up to 36 Months
▼
APR4.99%
TermUp to 36 Months
Last UpdatedMar 17, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.20%
87 Hale St, Lowell, MA, 01851
Auto Loans
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedMar 17, 2026
Details
As Low As
Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.20%
87 Hale St, Lowell, MA, 01851
New/Used Auto (Model Years 2024-2026)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedMar 17, 2026
Details
As Low As
Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.20%
87 Hale St, Lowell, MA, 01851
Used Auto (Model Years < 2024)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedMar 17, 2026
Details
As Low As
AllCom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
36 Park Ave, Worcester, MA, 01609
Vehicle Loans New or Used Model Years 2019-2025 37 to 48-Month Term
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As
AllCom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
36 Park Ave, Worcester, MA, 01609
Vehicle Loans New or Used Model Years 2019-2025 49 to 60-Month Term
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 17, 2026
Details
As Low As
AllCom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
36 Park Ave, Worcester, MA, 01609
Vehicle Loans New or Used Model Years 2019-2025 Up to 36-Month Term
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
100 Boston Scientific Way, Marlborough, MA, 01752
Auto Loans
4.99%
0 - 75 Months
▼
APR4.99%
Term0 - 75 Months
Last UpdatedMar 18, 2026
Details
As Low As; APR - 2023 - 2025*
Homefield Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.48%
86 Worcester St, North Grafton, MA, 01536 1020
Auto Loan
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Liberty Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
300 Granite St Fl 3, Braintree, MA, 02184 3909
Auto Loans
4.99%
0-36
▼
APR4.99%
Term0-36
Last UpdatedMar 20, 2026
Details
As Low As
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA, 01851
New & Used Auto WITH Direct Deposit
4.99%
3 Years
▼
APR4.99%
Term3 Years
Last UpdatedMar 20, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
1250 Hancock St, Quincy, MA, 02169
Used > 25K miles Auto Refi
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As
NESC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
248 PLEASANT ST, METHUEN, MA, 01844
Used Auto Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedMar 20, 2026
Details
Model Year: 2018-2026
PIONEER VALLEY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
246 Brookdale Dr, Springfield, MA, 01104
Vehicle Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 21, 2026
Details
As Low As
Polish National Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
46 Main St, Chicopee, MA, 01020
Used Automobile Loans, 2018-2025 Model Years
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 21, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
5 Cheshire Rd, Pittsfield, MA, 01201
Auto Loans: New Vehicle
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedMar 22, 2026
Details
Workers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.04%
815 Main St, Fitchburg, MA, 01420
Auto Loan Refinance
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedMar 22, 2026
Details
As Low As; New-2021: up to 66 Months
Workers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.04%
815 Main St, Fitchburg, MA, 01420
Auto Loans New-2021
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedMar 22, 2026
Details
As Low As; up to 66 Months
Worcester Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
520 W Boylston St, Worcester, MA, 01606 2026
Used Vehicle (2023 & Older) Loans & Refinancing
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedMar 22, 2026
Details
As Low As
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
101 Page St, New Bedford, MA, 02740
New Automobile Loans
5.00%
24 Months
▼
APR5.00%
Term24 Months
Last UpdatedMar 17, 2026
Details
LTV MAX: 100%; FICO Score: Platinum 720+
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
101 Page St, New Bedford, MA, 02740
Used Automobile Loans
5.00%
24 Months
▼
APR5.00%
Term24 Months
Last UpdatedMar 17, 2026
Details
LTV MAX: 100%; FICO Score: Platinum 720+
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA, 02143
New Car (2025 - 2026)
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMar 17, 2026
Details
Methuen Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
248 Broadway, Methuen, MA, 01844
Auto Loan (New or Used)
5.00%
up to 72 months
▼
APR5.00%
Termup to 72 months
Last UpdatedMar 17, 2026
Details
As Low As
Methuen Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
248 Broadway, Methuen, MA, 01844
Auto Loan (Used)
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMar 17, 2026
Details
As Low As; up to 72 months
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
282 Providence Hwy, Westwood, MA, 02090
Used Auto Loan (vehicle year 2022 - 2026)
5.00%
5 Months
▼
APR5.00%
Term5 Months
Last UpdatedMar 17, 2026
Details
As Low As; APR*
Brookline Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
334 WASHINGTON ST, BROOKLINE, MA, 02445 6850
New Auto
5.00%
36 mos.
▼
APR5.00%
Term36 mos.
Last UpdatedMar 18, 2026
Details
Community Credit Union Of Lynn
Institution Rating:
A-5.0 ★ Texas Ratio: 14.06%
1 Andrew St, Lynn, MA, 01901 1101
New Vehicle 2025-2026
5.00%
24-66
▼
APR5.00%
Term24-66
Last UpdatedMar 20, 2026
Details
As Low As; Less than 5K miles
Greater Springfield Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
1030 Wilbraham Rd, Springfield, MA, 01109
New and Used Autos
5.12%
4 Years
▼
APR5.12%
Term4 Years
Last UpdatedMar 20, 2026
Details
As Low As; Maximum Loan Amount is $75,000
New Bedford Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.29%
1150 Purchase St, New Bedford, MA, 02740 6635
New Auto - 2025 and newer models
5.20%
36 Months
▼
APR5.20%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As; 100% financing available
New Bedford Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.29%
1150 Purchase St, New Bedford, MA, 02740 6635
Used Auto - 2021 - 2019 models
5.20%
36 Months
▼
APR5.20%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As; 100% financing available
New Bedford Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.29%
1150 Purchase St, New Bedford, MA, 02740 6635
Used Auto - 2024 - 2022 models
5.20%
36 Months
▼
APR5.20%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As; 100% financing available
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
155 State St, Newburyport, MA, 01950
New Car Loans 2025-2026 Models or newer
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMar 15, 2026
Details
Published rates reflects a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply.
Alden Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.29%
710 Grattan St, Chicopee, MA, 01020 1255
New & Used Auto Loans
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedMar 17, 2026
Details
Greater Springfield Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
1030 Wilbraham Rd, Springfield, MA, 01109
New and Used Autos
5.24%
5 Years
▼
APR5.24%
Term5 Years
Last UpdatedMar 20, 2026
Details
As Low As; Maximum Loan Amount is $75,000
Liberty Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
300 Granite St Fl 3, Braintree, MA, 02184 3909
Auto Loans
5.24%
37-60
▼
APR5.24%
Term37-60
Last UpdatedMar 20, 2026
Details
As Low As
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
24 Church St, Leominster, MA, 01453
New / Used Auto Loans 2026 - 2023
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay.; 100% financing available for qualified vehicles.; Used Vehicle rates are based on J.D. Power book value; 84 Month Term for qualified vehicles and borrowers only; All rates are subject to change without notice.
Mass Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
1250 Hancock St, Quincy, MA, 02169
Used > 25K miles Auto Refi
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
200 Concord St, Framingham, MA, 01702 8306
Auto Loans 2024 - newer
5.24%
Up to 84 Months
▼
APR5.24%
TermUp to 84 Months
Last UpdatedMar 21, 2026
Details
Direct Deposit Auto Pay
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
40 Pine St, Stoneham, MA, 02180 2048
New Automobile
5.25%
1-48
▼
APR5.25%
Term1-48
Last UpdatedMar 17, 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%
101 Page St, New Bedford, MA, 02740
New Automobile Loans
5.25%
24 Months
▼
APR5.25%
Term24 Months
Last UpdatedMar 17, 2026
Details
LTV MAX: 90%; FICO Score: B 679-660
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
101 Page St, New Bedford, MA, 02740
Used Automobile Loans
5.25%
24 Months
▼
APR5.25%
Term24 Months
Last UpdatedMar 17, 2026
Details
LTV MAX: 90%; FICO Score: B 679-660
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA, 02143
Older Used Car (2019 - 2023)
5.25%
36 Months
▼
APR5.25%
Term36 Months
Last UpdatedMar 17, 2026
Details
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
282 Providence Hwy, Westwood, MA, 02090
Used Auto Loan (vehicle year 2022 - 2026)
5.25%
6 Months
▼
APR5.25%
Term6 Months
Last UpdatedMar 17, 2026
Details
As Low As; APR*
Brookline Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
334 WASHINGTON ST, BROOKLINE, MA, 02445 6850
New Auto
5.25%
72 mos.
▼
APR5.25%
Term72 mos.
Last UpdatedMar 18, 2026
Details
Brookline Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
334 WASHINGTON ST, BROOKLINE, MA, 02445 6850
Used Auto
5.25%
Up to 48 mos.
▼
APR5.25%
TermUp to 48 mos.
Last UpdatedMar 18, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA, 01851
New & Used Auto WITH Direct Deposit
5.25%
4 Years
▼
APR5.25%
Term4 Years
Last UpdatedMar 20, 2026
Details
Community Credit Union Of Lynn
Institution Rating:
A-5.0 ★ Texas Ratio: 14.06%
1 Andrew St, Lynn, MA, 01901 1101
New Vehicle 2025-2026
5.25%
67-84
▼
APR5.25%
Term67-84
Last UpdatedMar 20, 2026
Details
As Low As; Less than 5K miles
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 18.63%
70 Westview St, Lexington, MA, 02421 3142
New Auto
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMar 20, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
63 State St, Newburyport, MA, 01950
Auto Loan
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedMar 20, 2026
Details
RBT Rollstone B&T
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
780 Main St, Fitchburg, MA, 01420
Auto Loan
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedMar 21, 2026
Details
Pentucket Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA, 01830
Auto Loan
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedMar 21, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
5 Cheshire Rd, Pittsfield, MA, 01201
Auto Loans: New Vehicle
5.25%
5 Years
▼
APR5.25%
Term5 Years
Last UpdatedMar 22, 2026
Details
Rockland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.47%
241 Union St, Rockland, MA, 02370
2021-2022 (Used) Auto Loan
5.39%
48 Months
▼
APR5.39%
Term48 Months
Last UpdatedMar 11, 2026
Details
As Low As
Rockland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.47%
241 Union St, Rockland, MA, 02370
2023-2026 (New & Used) Auto Loan
5.39%
48 Months
▼
APR5.39%
Term48 Months
Last UpdatedMar 11, 2026
Details
As Low As
Direct Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
50 Cabot St, Needham, MA, 02494
Auto Loan 2022-2026
5.39%
63 Months
▼
APR5.39%
Term63 Months
Last UpdatedMar 13, 2026
Details
As Low As
UKRAINIAN SELFRELIANCE NEW ENGLAND
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
103 N Elm St, Westfield, MA, 01085 1603
2023 or Older Auto Loan
5.39%
12-48
▼
APR5.39%
Term12-48
Last UpdatedMar 22, 2026
Details
As Low As
Malden Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
10 Holden St, Malden, MA, 02148
Used Auto (Over 4 Years Old; No More Than 10 Years)
5.45%
4 Years
▼
APR5.45%
Term4 Years
Last UpdatedMar 17, 2026
Details
As Low As
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
155 State St, Newburyport, MA, 01950
New Car Loans 2025-2026 Models or newer
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMar 15, 2026
Details
Published rates reflects a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply.
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
155 State St, Newburyport, MA, 01950
Used Car Loans 2021-2022 Models
5.49%
24 Months
▼
APR5.49%
Term24 Months
Last UpdatedMar 15, 2026
Details
Annual Percentage Rate (APR) effective 2/1/26. Published rates reflect a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply.
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
155 State St, Newburyport, MA, 01950
Used Car Loans 2023-2024 Models
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 15, 2026
Details
Annual Percentage Rate (APR) effective 2/1/26. Published rates reflect a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply.
Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
950 Park St, Stoughton, MA, 02072
Auto Loans - New
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMar 15, 2026
Details
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
455 W Broadway, South Boston, MA, 02127 2218
Used Vehicle Loan
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As; Maximum borrowed $50,000
Health Alliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
230 Highland Ave, Somerville, MA, 02143 1408
New Car Loans
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 17, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.20%
87 Hale St, Lowell, MA, 01851
Auto Loans
5.49%
72 months
▼
APR5.49%
Term72 months
Last UpdatedMar 17, 2026
Details
As Low As
Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.20%
87 Hale St, Lowell, MA, 01851
New/Used Auto (Model Years 2024-2026)
5.49%
72 months
▼
APR5.49%
Term72 months
Last UpdatedMar 17, 2026
Details
As Low As
Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.20%
87 Hale St, Lowell, MA, 01851
Used Auto (Model Years 2021-2023)
5.49%
72 months
▼
APR5.49%
Term72 months
Last UpdatedMar 17, 2026
Details
As Low As
AllCom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
36 Park Ave, Worcester, MA, 01609
Vehicle Loans New or Used Model Years 2019-2025 61 to 72-Month Term*
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 17, 2026
Details
As Low As
IC Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.06%
300 Bemis Rd, Fitchburg, MA, 01420
2019 Auto Loan
5.49%
63 Months
▼
APR5.49%
Term63 Months
Last UpdatedMar 20, 2026
Details
Rates shown include .25% discount with Auto Pay from an IC Account.
IC Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.06%
300 Bemis Rd, Fitchburg, MA, 01420
2020 Auto Loan
5.49%
63 Months
▼
APR5.49%
Term63 Months
Last UpdatedMar 20, 2026
Details
Rates shown include .25% discount with Auto Pay from an IC Account.
IC Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.06%
300 Bemis Rd, Fitchburg, MA, 01420
2021 Auto Loan
5.49%
63 Months
▼
APR5.49%
Term63 Months
Last UpdatedMar 20, 2026
Details
Rates shown include .25% discount with Auto Pay from an IC Account.
IC Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.06%
300 Bemis Rd, Fitchburg, MA, 01420
2022 Auto Loan
5.49%
63 Months
▼
APR5.49%
Term63 Months
Last UpdatedMar 20, 2026
Details
Rates shown include .25% discount with Auto Pay from an IC Account.
IC Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.06%
300 Bemis Rd, Fitchburg, MA, 01420
2023 Auto Loan
5.49%
63 Months
▼
APR5.49%
Term63 Months
Last UpdatedMar 20, 2026
Details
Rates shown include .25% discount with Auto Pay from an IC Account.
IC Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.06%
300 Bemis Rd, Fitchburg, MA, 01420
2024 Auto Loan
5.49%
63 Months
▼
APR5.49%
Term63 Months
Last UpdatedMar 20, 2026
Details
Rates shown include .25% discount with Auto Pay from an IC Account.
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA, 01851
New & Used Auto WITH Direct Deposit
5.49%
5 Years
▼
APR5.49%
Term5 Years
Last UpdatedMar 20, 2026
Details
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 18.63%
70 Westview St, Lexington, MA, 02421 3142
Used Auto
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMar 20, 2026
Details
NESC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
248 PLEASANT ST, METHUEN, MA, 01844
Used Auto Loan
5.49%
72 months
▼
APR5.49%
Term72 months
Last UpdatedMar 20, 2026
Details
Model Year: 2018-2026
PIONEER VALLEY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
246 Brookdale Dr, Springfield, MA, 01104
Vehicle Loan
5.49%
66 Months
▼
APR5.49%
Term66 Months
Last UpdatedMar 21, 2026
Details
As Low As
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
30 Pond St, Sharon, MA, 02067 2040
Used Auto Loans 2022 - 2026
5.49%
Up to 63 Months
▼
APR5.49%
TermUp to 63 Months
Last UpdatedMar 21, 2026
Details
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
200 Concord St, Framingham, MA, 01702 8306
Auto Loans 2024 - newer
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedMar 21, 2026
Details
Without Direct Deposit Auto Pay
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
200 Concord St, Framingham, MA, 01702 8306
Used auto (2020-2023)
5.49%
Up to 60 months
▼
APR5.49%
TermUp to 60 months
Last UpdatedMar 21, 2026
Details
Direct Deposit Auto Pay
Watertown Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
149 MAIN ST, WATERTOWN, MA, 02472 4410
New/Refinanced New Autos 2024/2025 Models
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 22, 2026
Details
Workers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.04%
815 Main St, Fitchburg, MA, 01420
Auto Loan Refinance
5.49%
78 Months
▼
APR5.49%
Term78 Months
Last UpdatedMar 22, 2026
Details
As Low As; New-2021: 67 to 78 Months
Workers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.04%
815 Main St, Fitchburg, MA, 01420
Auto Loans 2020-2017
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 22, 2026
Details
As Low As; up to 72 Months
Workers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.04%
815 Main St, Fitchburg, MA, 01420
Auto Loans New-2021
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMar 22, 2026
Details
As Low As; 79 to 84 Months
Worcester Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
520 W Boylston St, Worcester, MA, 01606 2026
New Vehicle (2024 & Newer) Loans & Refinancing
5.49%
7 Years
▼
APR5.49%
Term7 Years
Last UpdatedMar 22, 2026
Details
As Low As
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
101 Page St, New Bedford, MA, 02740
New Automobile Loans
5.50%
24 Months
▼
APR5.50%
Term24 Months
Last UpdatedMar 17, 2026
Details
LTV MAX: 80%; FICO Score: C 659-640
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
101 Page St, New Bedford, MA, 02740
Used Automobile Loans
5.50%
24 Months
▼
APR5.50%
Term24 Months
Last UpdatedMar 17, 2026
Details
LTV MAX: 80%; FICO Score: C 659-640
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA, 02143
New Car (2025 - 2026)
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMar 17, 2026
Details
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA, 02143
Used Car (2022 - 2024)
5.50%
48 Months
▼
APR5.50%
Term48 Months
Last UpdatedMar 17, 2026
Details
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
282 Providence Hwy, Westwood, MA, 02090
New Auto Loan (vehicle year 2025 - 2026)
5.50%
3 Months
▼
APR5.50%
Term3 Months
Last UpdatedMar 17, 2026
Details
As Low As; 4.50%
Bank of Easton
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
275 Washington St, North Easton, MA, 02356
Auto Loans
5.50%
12-60
▼
APR5.50%
Term12-60
Last UpdatedMar 18, 2026
Details
Brookline Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
334 WASHINGTON ST, BROOKLINE, MA, 02445 6850
Used Auto
5.50%
60 mos.
▼
APR5.50%
Term60 mos.
Last UpdatedMar 18, 2026
Details
Community Credit Union Of Lynn
Institution Rating:
A-5.0 ★ Texas Ratio: 14.06%
1 Andrew St, Lynn, MA, 01901 1101
Used Vehicle 2025
5.50%
24-75
▼
APR5.50%
Term24-75
Last UpdatedMar 20, 2026
Details
As Low As
Newburyport Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
63 State St, Newburyport, MA, 01950
Auto Loan
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMar 20, 2026
Details
RBT Rollstone B&T
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
780 Main St, Fitchburg, MA, 01420
Auto Loan
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMar 21, 2026
Details
RBT Rollstone B&T
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
780 Main St, Fitchburg, MA, 01420
Used Vehicles Auto Loan
5.50%
48 Months
▼
APR5.50%
Term48 Months
Last UpdatedMar 21, 2026
Details
Pentucket Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA, 01830
Auto Loan
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMar 21, 2026
Details
Rockland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.47%
241 Union St, Rockland, MA, 02370
2019-2020 Auto Loan
5.54%
48 Months
▼
APR5.54%
Term48 Months
Last UpdatedMar 11, 2026
Details
As Low As
UKRAINIAN SELFRELIANCE NEW ENGLAND
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
103 N Elm St, Westfield, MA, 01085 1603
2023 or Older Auto Loan
5.59%
49-60
▼
APR5.59%
Term49-60
Last UpdatedMar 22, 2026
Details
As Low As
UKRAINIAN SELFRELIANCE NEW ENGLAND
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
103 N Elm St, Westfield, MA, 01085 1603
2024 or Newer Auto Loan
5.59%
61-72
▼
APR5.59%
Term61-72
Last UpdatedMar 22, 2026
Details
As Low As
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 18.63%
70 Westview St, Lexington, MA, 02421 3142
Used Auto
5.63%
72 Months
▼
APR5.63%
Term72 Months
Last UpdatedMar 20, 2026
Details
Rockland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.47%
241 Union St, Rockland, MA, 02370
2017-2018 Auto Loan
5.64%
48 Months
▼
APR5.64%
Term48 Months
Last UpdatedMar 11, 2026
Details
As Low As
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
155 State St, Newburyport, MA, 01950
Used Car Loans 2021-2022 Models
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedMar 15, 2026
Details
Annual Percentage Rate (APR) effective 2/1/26. Published rates reflect a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply.
Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
950 Park St, Stoughton, MA, 02072
Auto Loans - New
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedMar 15, 2026
Details
Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
950 Park St, Stoughton, MA, 02072
Auto Loans - Used
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedMar 15, 2026
Details
Alden Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.29%
710 Grattan St, Chicopee, MA, 01020 1255
New & Used Auto Loans
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedMar 17, 2026
Details
Franklin First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
57 Newton St, Greenfield, MA, 01301 3113
New & Used Car Loans
5.74%
36 Months
▼
APR5.74%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Liberty Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
300 Granite St Fl 3, Braintree, MA, 02184 3909
Auto Loans
5.74%
61-84
▼
APR5.74%
Term61-84
Last UpdatedMar 20, 2026
Details
As Low As
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
200 Concord St, Framingham, MA, 01702 8306
Used auto (2020-2023)
5.74%
Up to 60 months
▼
APR5.74%
TermUp to 60 months
Last UpdatedMar 21, 2026
Details
Without Direct Deposit Auto Pay
Workers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.04%
815 Main St, Fitchburg, MA, 01420
Auto Loans 2001 or older
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedMar 22, 2026
Details
As Low As; up to 60 Months
Workers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.04%
815 Main St, Fitchburg, MA, 01420
Auto Loans 2016-2015
5.74%
48 Months
▼
APR5.74%
Term48 Months
Last UpdatedMar 22, 2026
Details
As Low As; up to 48 Months
Dean Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
21 Main St, Franklin, MA, 02038
New Cars
5.75%
36 Months
▼
APR5.75%
Term36 Months
Last UpdatedMar 13, 2026
Details
As Low As
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
101 Page St, New Bedford, MA, 02740
New Automobile Loans
5.75%
24 Months
▼
APR5.75%
Term24 Months
Last UpdatedMar 17, 2026
Details
LTV MAX: 70%; FICO Score: D 639-620
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
101 Page St, New Bedford, MA, 02740
Used Automobile Loans
5.75%
24 Months
▼
APR5.75%
Term24 Months
Last UpdatedMar 17, 2026
Details
LTV MAX: 70%; FICO Score: D 639-620
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA, 02143
Older Used Car (2019 - 2023)
5.75%
48 Months
▼
APR5.75%
Term48 Months
Last UpdatedMar 17, 2026
Details
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
659 Eastern Ave, Fall River, MA, 02723
New Autos
5.75%
24 Months
▼
APR5.75%
Term24 Months
Last UpdatedMar 17, 2026
Details
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
282 Providence Hwy, Westwood, MA, 02090
New Auto Loan (vehicle year 2025 - 2026)
5.75%
5 Months
▼
APR5.75%
Term5 Months
Last UpdatedMar 17, 2026
Details
As Low As; 4.75%
Brookline Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
334 WASHINGTON ST, BROOKLINE, MA, 02445 6850
Used Auto
5.75%
72 mos.
▼
APR5.75%
Term72 mos.
Last UpdatedMar 18, 2026
Details
Community Credit Union Of Lynn
Institution Rating:
A-5.0 ★ Texas Ratio: 14.06%
1 Andrew St, Lynn, MA, 01901 1101
Used Vehicle 2024
5.75%
24-75
▼
APR5.75%
Term24-75
Last UpdatedMar 20, 2026
Details
As Low As
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 18.63%
70 Westview St, Lexington, MA, 02421 3142
New Auto
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedMar 20, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
63 State St, Newburyport, MA, 01950
Auto Loan
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedMar 20, 2026
Details
RBT Rollstone B&T
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
780 Main St, Fitchburg, MA, 01420
Auto Loan
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedMar 21, 2026
Details
RBT Rollstone B&T
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
780 Main St, Fitchburg, MA, 01420
Used Vehicles Auto Loan
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedMar 21, 2026
Details
Pentucket Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA, 01830
Auto Loan
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedMar 21, 2026
Details
Polish National Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
46 Main St, Chicopee, MA, 01020
Used Automobile Loans, 2015-2017 Model Years
5.75%
48 Months
▼
APR5.75%
Term48 Months
Last UpdatedMar 21, 2026
Details
Rockland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.47%
241 Union St, Rockland, MA, 02370
2021-2022 (Used) Auto Loan
5.79%
72 Months
▼
APR5.79%
Term72 Months
Last UpdatedMar 11, 2026
Details
As Low As
Rockland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.47%
241 Union St, Rockland, MA, 02370
2023-2026 (New & Used) Auto Loan
5.79%
72 Months
▼
APR5.79%
Term72 Months
Last UpdatedMar 11, 2026
Details
As Low As
Direct Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
50 Cabot St, Needham, MA, 02494
Auto Loan 2022-2026
5.79%
66 Months
▼
APR5.79%
Term66 Months
Last UpdatedMar 13, 2026
Details
As Low As
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
200 Westgate Center Dr, Hadley, MA, 01035
Autos: New, Used, and Refinancing
5.79%
24 to 66 Months
▼
APR5.79%
Term24 to 66 Months
Last UpdatedMar 17, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
St Annes Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
215 County St, Somerset, MA, 02726 4293
New Auto 2025-2024
6.09%
36-60
▼
APR6.09%
Term36-60
Last UpdatedMar 15, 2026
Details
As Low As
St Annes Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
215 County St, Somerset, MA, 02726 4293
New Auto 2025-2024
6.29%
61-75
▼
APR6.29%
Term61-75
Last UpdatedMar 15, 2026
Details
As Low As
St Michaels Fall River Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.65%
1004 County St, Somerset, MA, 02726 5138
Auto Loans (new)
7.00%
60 mos
▼
APR7.00%
Term60 mos
Last UpdatedMar 15, 2026
Details
As Low As
BayCoast Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
921 Grand Army Hwy, Somerset, MA, 02726
New Only Auto Loans
7.75%
36 months
▼
APR7.75%
Term36 months
Last UpdatedMar 18, 2026
Details
BayCoast Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
921 Grand Army Hwy, Somerset, MA, 02726
New Only Auto Loans
8.00%
48 months
▼
APR8.00%
Term48 months
Last UpdatedMar 18, 2026
Details
BayCoast Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
921 Grand Army Hwy, Somerset, MA, 02726
New Only Auto Loans
8.25%
60 months
▼
APR8.25%
Term60 months
Last UpdatedMar 18, 2026
Details
BayCoast Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
921 Grand Army Hwy, Somerset, MA, 02726
New Only Auto Loans
8.50%
72 months
▼
APR8.50%
Term72 months
Last UpdatedMar 18, 2026
Details
Somerset Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
740 County St, Somerset, MA, 02726
New Auto Loan
9.00%
12 Months
▼
APR9.00%
Term12 Months
Last UpdatedMar 21, 2026
Details
As Low As
Somerset Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
740 County St, Somerset, MA, 02726
New Auto Loan
9.25%
48 Months
▼
APR9.25%
Term48 Months
Last UpdatedMar 21, 2026
Details
As Low As
TEWKSBURY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
752 Main St, Tewksbury, MA, 01876
New & Used Vehicle Loans
3.79%
36 Months
▼
APR3.79%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As; Terms from 36 to 84 months with Direct Deposit
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
100 Quincy Ave, Quincy, MA, 02169 6714
New Auto Loans
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedMar 21, 2026
Details
As Low As
Polish National Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
46 Main St, Chicopee, MA, 01020
New Automobile Loans, 2025-2026 Model Years (Never Registered)
3.99%
84 Months
▼
APR3.99%
Term84 Months
Last UpdatedMar 21, 2026
Details
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
24 Church St, Leominster, MA, 01453
New / Used Auto Loans 2022 - 2021
4.24%
60 Months
▼
APR4.24%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay.; 100% financing available for qualified vehicles.; Used Vehicle rates are based on J.D. Power book value; 84 Month Term for qualified vehicles and borrowers only; All rates are subject to change without notice.
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
24 Church St, Leominster, MA, 01453
New / Used Auto Loans 2026 - 2023
4.24%
60 Months
▼
APR4.24%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay.; 100% financing available for qualified vehicles.; Used Vehicle rates are based on J.D. Power book value; 84 Month Term for qualified vehicles and borrowers only; All rates are subject to change without notice.
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
100 Quincy Ave, Quincy, MA, 02169 6714
New Auto Loans
4.24%
37 - 48 months
▼
APR4.24%
Term37 - 48 months
Last UpdatedMar 21, 2026
Details
As Low As
Worcester Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
520 W Boylston St, Worcester, MA, 01606 2026
New Vehicle (2024 & Newer) Loans & Refinancing
4.24%
1 Year
▼
APR4.24%
Term1 Year
Last UpdatedMar 22, 2026
Details
As Low As
Methuen Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
248 Broadway, Methuen, MA, 01844
Auto Loan (New or Used)
4.25%
up to 36 months
▼
APR4.25%
Termup to 36 months
Last UpdatedMar 17, 2026
Details
As Low As
Greater Springfield Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
1030 Wilbraham Rd, Springfield, MA, 01109
New and Used Autos
4.25%
3 Years
▼
APR4.25%
Term3 Years
Last UpdatedMar 20, 2026
Details
As Low As; Maximum Loan Amount is $75,000
Mass Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
1250 Hancock St, Quincy, MA, 02169
New < 25K miles Auto Refi
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
100 Quincy Ave, Quincy, MA, 02169 6714
New Auto Loans
4.49%
49 - 72 months
▼
APR4.49%
Term49 - 72 months
Last UpdatedMar 21, 2026
Details
As Low As
Watertown Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
149 MAIN ST, WATERTOWN, MA, 02472 4410
New/Refinanced New Autos 2024/2025 Models
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 22, 2026
Details
Worcester Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
520 W Boylston St, Worcester, MA, 01606 2026
New Vehicle (2024 & Newer) Loans & Refinancing
4.49%
5 Years
▼
APR4.49%
Term5 Years
Last UpdatedMar 22, 2026
Details
As Low As
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA, 02143
New Car (2025 - 2026)
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMar 17, 2026
Details
Watertown Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
149 MAIN ST, WATERTOWN, MA, 02472 4410
New/Refinanced New Autos 2024/2025 Models
4.55%
48 Months
▼
APR4.55%
Term48 Months
Last UpdatedMar 22, 2026
Details
MyCom Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.63%
101 Fenn St, Pittsfield, MA, 01201
New Auto 2023 - 2026
4.59%
36 Months
▼
APR4.59%
Term36 Months
Last UpdatedMar 20, 2026
Details
MyCom Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.63%
101 Fenn St, Pittsfield, MA, 01201
New Auto 2023 - 2026
4.69%
48 Months
▼
APR4.69%
Term48 Months
Last UpdatedMar 20, 2026
Details
UKRAINIAN SELFRELIANCE NEW ENGLAND
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
103 N Elm St, Westfield, MA, 01085 1603
2024 or Newer Auto Loan
4.69%
12-48
▼
APR4.69%
Term12-48
Last UpdatedMar 22, 2026
Details
As Low As
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
155 State St, Newburyport, MA, 01950
New Car Loans 2025-2026 Models or newer
4.74%
24 Months
▼
APR4.74%
Term24 Months
Last UpdatedMar 15, 2026
Details
Published rates reflects a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply.
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
24 Church St, Leominster, MA, 01453
New / Used Auto Loans 2020 & Older
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay.; 100% financing available for qualified vehicles.; Used Vehicle rates are based on J.D. Power book value; 84 Month Term for qualified vehicles and borrowers only; All rates are subject to change without notice.
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
24 Church St, Leominster, MA, 01453
New / Used Auto Loans 2026 - 2023
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay.; 100% financing available for qualified vehicles.; Used Vehicle rates are based on J.D. Power book value; 84 Month Term for qualified vehicles and borrowers only; All rates are subject to change without notice.
Mass Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
1250 Hancock St, Quincy, MA, 02169
New < 25K miles Auto Refi
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
100 Quincy Ave, Quincy, MA, 02169 6714
New Auto Loans
4.74%
73 - 84 months
▼
APR4.74%
Term73 - 84 months
Last UpdatedMar 21, 2026
Details
As Low As
Brookline Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
334 WASHINGTON ST, BROOKLINE, MA, 02445 6850
New Auto
4.75%
Up to 24 mos.
▼
APR4.75%
TermUp to 24 mos.
Last UpdatedMar 18, 2026
Details
Watertown Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
149 MAIN ST, WATERTOWN, MA, 02472 4410
New/Refinanced New Autos 2024/2025 Models
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMar 22, 2026
Details
MyCom Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.63%
101 Fenn St, Pittsfield, MA, 01201
New Auto 2023 - 2026
4.79%
60 Months
▼
APR4.79%
Term60 Months
Last UpdatedMar 20, 2026
Details
MyCom Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.63%
101 Fenn St, Pittsfield, MA, 01201
New Auto 2023 - 2026
4.89%
72 Months
▼
APR4.89%
Term72 Months
Last UpdatedMar 20, 2026
Details
UKRAINIAN SELFRELIANCE NEW ENGLAND
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
103 N Elm St, Westfield, MA, 01085 1603
2024 or Newer Auto Loan
4.89%
49-60
▼
APR4.89%
Term49-60
Last UpdatedMar 22, 2026
Details
As Low As
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
311 Chestnut St, Chelsea, MA, 02150
New Autos
4.90%
72 Months
▼
APR4.90%
Term72 Months
Last UpdatedMar 18, 2026
Details
90% Financing
Malden Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
10 Holden St, Malden, MA, 02148
New Auto
4.95%
2 - 5 Years
▼
APR4.95%
Term2 - 5 Years
Last UpdatedMar 17, 2026
Details
As Low As
Norfolk Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.97%
18 Union St Ste 104, Norfolk, MA, 02056 1855
Auto Loans NEW
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedMar 17, 2026
Details
As Low As; Maximum Amount: $65,000
Morton Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
88 washington st, taunton, MA, 02780 2465
New Cars
4.99%
up to 7 years
▼
APR4.99%
Termup to 7 years
Last UpdatedMar 17, 2026
Details
Health Alliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
230 Highland Ave, Somerville, MA, 02143 1408
New Car Loans
4.99%
36-60
▼
APR4.99%
Term36-60
Last UpdatedMar 17, 2026
Details
As Low As
Alden Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.29%
710 Grattan St, Chicopee, MA, 01020 1255
New & Used Auto Loans
4.99%
Up to 36 Months
▼
APR4.99%
TermUp to 36 Months
Last UpdatedMar 17, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.20%
87 Hale St, Lowell, MA, 01851
New/Used Auto (Model Years 2024-2026)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedMar 17, 2026
Details
As Low As
AllCom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
36 Park Ave, Worcester, MA, 01609
Vehicle Loans New or Used Model Years 2019-2025 37 to 48-Month Term
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As
AllCom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
36 Park Ave, Worcester, MA, 01609
Vehicle Loans New or Used Model Years 2019-2025 49 to 60-Month Term
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 17, 2026
Details
As Low As
AllCom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
36 Park Ave, Worcester, MA, 01609
Vehicle Loans New or Used Model Years 2019-2025 Up to 36-Month Term
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA, 01851
New & Used Auto WITH Direct Deposit
4.99%
3 Years
▼
APR4.99%
Term3 Years
Last UpdatedMar 20, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
5 Cheshire Rd, Pittsfield, MA, 01201
Auto Loans: New Vehicle
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedMar 22, 2026
Details
Workers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.04%
815 Main St, Fitchburg, MA, 01420
Auto Loans New-2021
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedMar 22, 2026
Details
As Low As; up to 66 Months
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
101 Page St, New Bedford, MA, 02740
New Automobile Loans
5.00%
24 Months
▼
APR5.00%
Term24 Months
Last UpdatedMar 17, 2026
Details
LTV MAX: 100%; FICO Score: Platinum 720+
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA, 02143
New Car (2025 - 2026)
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMar 17, 2026
Details
Methuen Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
248 Broadway, Methuen, MA, 01844
Auto Loan (New or Used)
5.00%
up to 72 months
▼
APR5.00%
Termup to 72 months
Last UpdatedMar 17, 2026
Details
As Low As
Brookline Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
334 WASHINGTON ST, BROOKLINE, MA, 02445 6850
New Auto
5.00%
36 mos.
▼
APR5.00%
Term36 mos.
Last UpdatedMar 18, 2026
Details
Community Credit Union Of Lynn
Institution Rating:
A-5.0 ★ Texas Ratio: 14.06%
1 Andrew St, Lynn, MA, 01901 1101
New Vehicle 2025-2026
5.00%
24-66
▼
APR5.00%
Term24-66
Last UpdatedMar 20, 2026
Details
As Low As; Less than 5K miles
Greater Springfield Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
1030 Wilbraham Rd, Springfield, MA, 01109
New and Used Autos
5.12%
4 Years
▼
APR5.12%
Term4 Years
Last UpdatedMar 20, 2026
Details
As Low As; Maximum Loan Amount is $75,000
New Bedford Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.29%
1150 Purchase St, New Bedford, MA, 02740 6635
New Auto - 2025 and newer models
5.20%
36 Months
▼
APR5.20%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As; 100% financing available
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
155 State St, Newburyport, MA, 01950
New Car Loans 2025-2026 Models or newer
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMar 15, 2026
Details
Published rates reflects a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply.
Alden Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.29%
710 Grattan St, Chicopee, MA, 01020 1255
New & Used Auto Loans
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedMar 17, 2026
Details
Greater Springfield Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
1030 Wilbraham Rd, Springfield, MA, 01109
New and Used Autos
5.24%
5 Years
▼
APR5.24%
Term5 Years
Last UpdatedMar 20, 2026
Details
As Low As; Maximum Loan Amount is $75,000
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
24 Church St, Leominster, MA, 01453
New / Used Auto Loans 2026 - 2023
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay.; 100% financing available for qualified vehicles.; Used Vehicle rates are based on J.D. Power book value; 84 Month Term for qualified vehicles and borrowers only; All rates are subject to change without notice.
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
200 Concord St, Framingham, MA, 01702 8306
Auto Loans 2024 - newer
5.24%
Up to 84 Months
▼
APR5.24%
TermUp to 84 Months
Last UpdatedMar 21, 2026
Details
Direct Deposit Auto Pay
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
40 Pine St, Stoneham, MA, 02180 2048
New Automobile
5.25%
1-48
▼
APR5.25%
Term1-48
Last UpdatedMar 17, 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%
101 Page St, New Bedford, MA, 02740
New Automobile Loans
5.25%
24 Months
▼
APR5.25%
Term24 Months
Last UpdatedMar 17, 2026
Details
LTV MAX: 90%; FICO Score: B 679-660
Brookline Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
334 WASHINGTON ST, BROOKLINE, MA, 02445 6850
New Auto
5.25%
72 mos.
▼
APR5.25%
Term72 mos.
Last UpdatedMar 18, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA, 01851
New & Used Auto WITH Direct Deposit
5.25%
4 Years
▼
APR5.25%
Term4 Years
Last UpdatedMar 20, 2026
Details
Community Credit Union Of Lynn
Institution Rating:
A-5.0 ★ Texas Ratio: 14.06%
1 Andrew St, Lynn, MA, 01901 1101
New Vehicle 2025-2026
5.25%
67-84
▼
APR5.25%
Term67-84
Last UpdatedMar 20, 2026
Details
As Low As; Less than 5K miles
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 18.63%
70 Westview St, Lexington, MA, 02421 3142
New Auto
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMar 20, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
5 Cheshire Rd, Pittsfield, MA, 01201
Auto Loans: New Vehicle
5.25%
5 Years
▼
APR5.25%
Term5 Years
Last UpdatedMar 22, 2026
Details
Rockland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.47%
241 Union St, Rockland, MA, 02370
2023-2026 (New & Used) Auto Loan
5.39%
48 Months
▼
APR5.39%
Term48 Months
Last UpdatedMar 11, 2026
Details
As Low As
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
155 State St, Newburyport, MA, 01950
New Car Loans 2025-2026 Models or newer
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMar 15, 2026
Details
Published rates reflects a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply.
Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
950 Park St, Stoughton, MA, 02072
Auto Loans - New
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMar 15, 2026
Details
Health Alliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
230 Highland Ave, Somerville, MA, 02143 1408
New Car Loans
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 17, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.20%
87 Hale St, Lowell, MA, 01851
New/Used Auto (Model Years 2024-2026)
5.49%
72 months
▼
APR5.49%
Term72 months
Last UpdatedMar 17, 2026
Details
As Low As
AllCom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
36 Park Ave, Worcester, MA, 01609
Vehicle Loans New or Used Model Years 2019-2025 61 to 72-Month Term*
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 17, 2026
Details
As Low As
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA, 01851
New & Used Auto WITH Direct Deposit
5.49%
5 Years
▼
APR5.49%
Term5 Years
Last UpdatedMar 20, 2026
Details
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
200 Concord St, Framingham, MA, 01702 8306
Auto Loans 2024 - newer
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedMar 21, 2026
Details
Without Direct Deposit Auto Pay
Watertown Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
149 MAIN ST, WATERTOWN, MA, 02472 4410
New/Refinanced New Autos 2024/2025 Models
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 22, 2026
Details
Workers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.04%
815 Main St, Fitchburg, MA, 01420
Auto Loans New-2021
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMar 22, 2026
Details
As Low As; 79 to 84 Months
Worcester Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
520 W Boylston St, Worcester, MA, 01606 2026
New Vehicle (2024 & Newer) Loans & Refinancing
5.49%
7 Years
▼
APR5.49%
Term7 Years
Last UpdatedMar 22, 2026
Details
As Low As
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
101 Page St, New Bedford, MA, 02740
New Automobile Loans
5.50%
24 Months
▼
APR5.50%
Term24 Months
Last UpdatedMar 17, 2026
Details
LTV MAX: 80%; FICO Score: C 659-640
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA, 02143
New Car (2025 - 2026)
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMar 17, 2026
Details
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
282 Providence Hwy, Westwood, MA, 02090
New Auto Loan (vehicle year 2025 - 2026)
5.50%
3 Months
▼
APR5.50%
Term3 Months
Last UpdatedMar 17, 2026
Details
As Low As; 4.50%
UKRAINIAN SELFRELIANCE NEW ENGLAND
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
103 N Elm St, Westfield, MA, 01085 1603
2024 or Newer Auto Loan
5.59%
61-72
▼
APR5.59%
Term61-72
Last UpdatedMar 22, 2026
Details
As Low As
Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
950 Park St, Stoughton, MA, 02072
Auto Loans - New
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedMar 15, 2026
Details
Alden Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.29%
710 Grattan St, Chicopee, MA, 01020 1255
New & Used Auto Loans
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedMar 17, 2026
Details
Franklin First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
57 Newton St, Greenfield, MA, 01301 3113
New & Used Car Loans
5.74%
36 Months
▼
APR5.74%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Dean Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
21 Main St, Franklin, MA, 02038
New Cars
5.75%
36 Months
▼
APR5.75%
Term36 Months
Last UpdatedMar 13, 2026
Details
As Low As
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
101 Page St, New Bedford, MA, 02740
New Automobile Loans
5.75%
24 Months
▼
APR5.75%
Term24 Months
Last UpdatedMar 17, 2026
Details
LTV MAX: 70%; FICO Score: D 639-620
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
659 Eastern Ave, Fall River, MA, 02723
New Autos
5.75%
24 Months
▼
APR5.75%
Term24 Months
Last UpdatedMar 17, 2026
Details
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
282 Providence Hwy, Westwood, MA, 02090
New Auto Loan (vehicle year 2025 - 2026)
5.75%
5 Months
▼
APR5.75%
Term5 Months
Last UpdatedMar 17, 2026
Details
As Low As; 4.75%
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 18.63%
70 Westview St, Lexington, MA, 02421 3142
New Auto
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedMar 20, 2026
Details
Rockland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.47%
241 Union St, Rockland, MA, 02370
2023-2026 (New & Used) Auto Loan
5.79%
72 Months
▼
APR5.79%
Term72 Months
Last UpdatedMar 11, 2026
Details
As Low As
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
200 Westgate Center Dr, Hadley, MA, 01035
Autos: New, Used, and Refinancing
5.79%
24 to 66 Months
▼
APR5.79%
Term24 to 66 Months
Last UpdatedMar 17, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
St Annes Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
215 County St, Somerset, MA, 02726 4293
Used Auto 2023-2015
6.49%
36-60
▼
APR6.49%
Term36-60
Last UpdatedMar 15, 2026
Details
As Low As
St Annes Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
215 County St, Somerset, MA, 02726 4293
Used Auto 2023-2015
7.69%
61-72
▼
APR7.69%
Term61-72
Last UpdatedMar 15, 2026
Details
As Low As
BayCoast Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
921 Grand Army Hwy, Somerset, MA, 02726
Used Only Auto Loans
8.00%
36 months
▼
APR8.00%
Term36 months
Last UpdatedMar 18, 2026
Details
BayCoast Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
921 Grand Army Hwy, Somerset, MA, 02726
Used Only Auto Loans
8.25%
48 months
▼
APR8.25%
Term48 months
Last UpdatedMar 18, 2026
Details
BayCoast Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
921 Grand Army Hwy, Somerset, MA, 02726
Used Only Auto Loans
8.50%
60 months
▼
APR8.50%
Term60 months
Last UpdatedMar 18, 2026
Details
St Michaels Fall River Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.65%
1004 County St, Somerset, MA, 02726 5138
Used Auto 2018
9.00%
60 mos
▼
APR9.00%
Term60 mos
Last UpdatedMar 15, 2026
Details
As Low As
TEWKSBURY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
752 Main St, Tewksbury, MA, 01876
New & Used Vehicle Loans
3.79%
36 Months
▼
APR3.79%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As; Terms from 36 to 84 months with Direct Deposit
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
100 Quincy Ave, Quincy, MA, 02169 6714
Pre-Owned Auto Loans
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedMar 21, 2026
Details
As Low As
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
455 W Broadway, South Boston, MA, 02127 2218
Used Vehicle Loan Model Years 2022-2024
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As; Maximum borrowed $150,000
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
24 Church St, Leominster, MA, 01453
New / Used Auto Loans 2022 - 2021
4.24%
60 Months
▼
APR4.24%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay.; 100% financing available for qualified vehicles.; Used Vehicle rates are based on J.D. Power book value; 84 Month Term for qualified vehicles and borrowers only; All rates are subject to change without notice.
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
24 Church St, Leominster, MA, 01453
New / Used Auto Loans 2026 - 2023
4.24%
60 Months
▼
APR4.24%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay.; 100% financing available for qualified vehicles.; Used Vehicle rates are based on J.D. Power book value; 84 Month Term for qualified vehicles and borrowers only; All rates are subject to change without notice.
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
100 Quincy Ave, Quincy, MA, 02169 6714
Pre-Owned Auto Loans
4.24%
37 - 48 months
▼
APR4.24%
Term37 - 48 months
Last UpdatedMar 21, 2026
Details
As Low As
Methuen Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
248 Broadway, Methuen, MA, 01844
Auto Loan (New or Used)
4.25%
up to 36 months
▼
APR4.25%
Termup to 36 months
Last UpdatedMar 17, 2026
Details
As Low As
Methuen Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
248 Broadway, Methuen, MA, 01844
Auto Loan (Used)
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As; up to 36 months
Greater Springfield Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
1030 Wilbraham Rd, Springfield, MA, 01109
New and Used Autos
4.25%
3 Years
▼
APR4.25%
Term3 Years
Last UpdatedMar 20, 2026
Details
As Low As; Maximum Loan Amount is $75,000
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
455 W Broadway, South Boston, MA, 02127 2218
Used Vehicle Loan Model Years 2022-2024
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMar 16, 2026
Details
As Low As; Maximum borrowed $150,000
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
100 Quincy Ave, Quincy, MA, 02169 6714
Pre-Owned Auto Loans
4.49%
49 - 72 months
▼
APR4.49%
Term49 - 72 months
Last UpdatedMar 21, 2026
Details
As Low As
Methuen Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
248 Broadway, Methuen, MA, 01844
Auto Loan (Used)
4.55%
60 Months
▼
APR4.55%
Term60 Months
Last UpdatedMar 17, 2026
Details
As Low As; up to 60 months
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
455 W Broadway, South Boston, MA, 02127 2218
Used Vehicle Loan Model Years 2022-2024
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedMar 16, 2026
Details
As Low As; Maximum borrowed $150,000
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
24 Church St, Leominster, MA, 01453
New / Used Auto Loans 2020 & Older
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay.; 100% financing available for qualified vehicles.; Used Vehicle rates are based on J.D. Power book value; 84 Month Term for qualified vehicles and borrowers only; All rates are subject to change without notice.
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
24 Church St, Leominster, MA, 01453
New / Used Auto Loans 2026 - 2023
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay.; 100% financing available for qualified vehicles.; Used Vehicle rates are based on J.D. Power book value; 84 Month Term for qualified vehicles and borrowers only; All rates are subject to change without notice.
Worcester Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
520 W Boylston St, Worcester, MA, 01606 2026
Used Vehicle (2023 & Older) Loans & Refinancing
4.74%
1 Year
▼
APR4.74%
Term1 Year
Last UpdatedMar 22, 2026
Details
As Low As
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA, 02143
Used Car (2022 - 2024)
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMar 17, 2026
Details
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
282 Providence Hwy, Westwood, MA, 02090
Used Auto Loan (vehicle year 2022 - 2026)
4.75%
3 Months
▼
APR4.75%
Term3 Months
Last UpdatedMar 17, 2026
Details
As Low As; APR*
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
311 Chestnut St, Chelsea, MA, 02150
Used Autos 2025 - 2026
4.90%
72 Months
▼
APR4.90%
Term72 Months
Last UpdatedMar 18, 2026
Details
90% Financing
Malden Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
10 Holden St, Malden, MA, 02148
Used Auto (Under 4 Years Old)
4.95%
4 Years
▼
APR4.95%
Term4 Years
Last UpdatedMar 17, 2026
Details
As Low As
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
155 State St, Newburyport, MA, 01950
Used Car Loans 2023-2024 Models
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedMar 15, 2026
Details
Annual Percentage Rate (APR) effective 2/1/26. Published rates reflect a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply.
Health Alliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
230 Highland Ave, Somerville, MA, 02143 1408
Used Car Loans (2023,2024)
4.99%
36-60
▼
APR4.99%
Term36-60
Last UpdatedMar 17, 2026
Details
Alden Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.29%
710 Grattan St, Chicopee, MA, 01020 1255
New & Used Auto Loans
4.99%
Up to 36 Months
▼
APR4.99%
TermUp to 36 Months
Last UpdatedMar 17, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.20%
87 Hale St, Lowell, MA, 01851
New/Used Auto (Model Years 2024-2026)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedMar 17, 2026
Details
As Low As
Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.20%
87 Hale St, Lowell, MA, 01851
Used Auto (Model Years < 2024)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedMar 17, 2026
Details
As Low As
AllCom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
36 Park Ave, Worcester, MA, 01609
Vehicle Loans New or Used Model Years 2019-2025 37 to 48-Month Term
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As
AllCom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
36 Park Ave, Worcester, MA, 01609
Vehicle Loans New or Used Model Years 2019-2025 49 to 60-Month Term
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 17, 2026
Details
As Low As
AllCom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
36 Park Ave, Worcester, MA, 01609
Vehicle Loans New or Used Model Years 2019-2025 Up to 36-Month Term
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA, 01851
New & Used Auto WITH Direct Deposit
4.99%
3 Years
▼
APR4.99%
Term3 Years
Last UpdatedMar 20, 2026
Details
Mass Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
1250 Hancock St, Quincy, MA, 02169
Used > 25K miles Auto Refi
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As
NESC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
248 PLEASANT ST, METHUEN, MA, 01844
Used Auto Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedMar 20, 2026
Details
Model Year: 2018-2026
Polish National Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
46 Main St, Chicopee, MA, 01020
Used Automobile Loans, 2018-2025 Model Years
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 21, 2026
Details
Worcester Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
520 W Boylston St, Worcester, MA, 01606 2026
Used Vehicle (2023 & Older) Loans & Refinancing
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedMar 22, 2026
Details
As Low As
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
101 Page St, New Bedford, MA, 02740
Used Automobile Loans
5.00%
24 Months
▼
APR5.00%
Term24 Months
Last UpdatedMar 17, 2026
Details
LTV MAX: 100%; FICO Score: Platinum 720+
Methuen Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
248 Broadway, Methuen, MA, 01844
Auto Loan (New or Used)
5.00%
up to 72 months
▼
APR5.00%
Termup to 72 months
Last UpdatedMar 17, 2026
Details
As Low As
Methuen Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
248 Broadway, Methuen, MA, 01844
Auto Loan (Used)
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMar 17, 2026
Details
As Low As; up to 72 months
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
282 Providence Hwy, Westwood, MA, 02090
Used Auto Loan (vehicle year 2022 - 2026)
5.00%
5 Months
▼
APR5.00%
Term5 Months
Last UpdatedMar 17, 2026
Details
As Low As; APR*
Greater Springfield Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
1030 Wilbraham Rd, Springfield, MA, 01109
New and Used Autos
5.12%
4 Years
▼
APR5.12%
Term4 Years
Last UpdatedMar 20, 2026
Details
As Low As; Maximum Loan Amount is $75,000
New Bedford Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.29%
1150 Purchase St, New Bedford, MA, 02740 6635
Used Auto - 2021 - 2019 models
5.20%
36 Months
▼
APR5.20%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As; 100% financing available
New Bedford Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.29%
1150 Purchase St, New Bedford, MA, 02740 6635
Used Auto - 2024 - 2022 models
5.20%
36 Months
▼
APR5.20%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As; 100% financing available
Alden Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.29%
710 Grattan St, Chicopee, MA, 01020 1255
New & Used Auto Loans
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedMar 17, 2026
Details
Greater Springfield Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
1030 Wilbraham Rd, Springfield, MA, 01109
New and Used Autos
5.24%
5 Years
▼
APR5.24%
Term5 Years
Last UpdatedMar 20, 2026
Details
As Low As; Maximum Loan Amount is $75,000
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
24 Church St, Leominster, MA, 01453
New / Used Auto Loans 2026 - 2023
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay.; 100% financing available for qualified vehicles.; Used Vehicle rates are based on J.D. Power book value; 84 Month Term for qualified vehicles and borrowers only; All rates are subject to change without notice.
Mass Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
1250 Hancock St, Quincy, MA, 02169
Used > 25K miles Auto Refi
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
101 Page St, New Bedford, MA, 02740
Used Automobile Loans
5.25%
24 Months
▼
APR5.25%
Term24 Months
Last UpdatedMar 17, 2026
Details
LTV MAX: 90%; FICO Score: B 679-660
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA, 02143
Older Used Car (2019 - 2023)
5.25%
36 Months
▼
APR5.25%
Term36 Months
Last UpdatedMar 17, 2026
Details
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
282 Providence Hwy, Westwood, MA, 02090
Used Auto Loan (vehicle year 2022 - 2026)
5.25%
6 Months
▼
APR5.25%
Term6 Months
Last UpdatedMar 17, 2026
Details
As Low As; APR*
Brookline Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
334 WASHINGTON ST, BROOKLINE, MA, 02445 6850
Used Auto
5.25%
Up to 48 mos.
▼
APR5.25%
TermUp to 48 mos.
Last UpdatedMar 18, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA, 01851
New & Used Auto WITH Direct Deposit
5.25%
4 Years
▼
APR5.25%
Term4 Years
Last UpdatedMar 20, 2026
Details
Rockland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.47%
241 Union St, Rockland, MA, 02370
2021-2022 (Used) Auto Loan
5.39%
48 Months
▼
APR5.39%
Term48 Months
Last UpdatedMar 11, 2026
Details
As Low As
Rockland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.47%
241 Union St, Rockland, MA, 02370
2023-2026 (New & Used) Auto Loan
5.39%
48 Months
▼
APR5.39%
Term48 Months
Last UpdatedMar 11, 2026
Details
As Low As
Malden Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
10 Holden St, Malden, MA, 02148
Used Auto (Over 4 Years Old; No More Than 10 Years)
5.45%
4 Years
▼
APR5.45%
Term4 Years
Last UpdatedMar 17, 2026
Details
As Low As
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
155 State St, Newburyport, MA, 01950
Used Car Loans 2021-2022 Models
5.49%
24 Months
▼
APR5.49%
Term24 Months
Last UpdatedMar 15, 2026
Details
Annual Percentage Rate (APR) effective 2/1/26. Published rates reflect a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply.
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
155 State St, Newburyport, MA, 01950
Used Car Loans 2023-2024 Models
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 15, 2026
Details
Annual Percentage Rate (APR) effective 2/1/26. Published rates reflect a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply.
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
455 W Broadway, South Boston, MA, 02127 2218
Used Vehicle Loan
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As; Maximum borrowed $50,000
Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.20%
87 Hale St, Lowell, MA, 01851
New/Used Auto (Model Years 2024-2026)
5.49%
72 months
▼
APR5.49%
Term72 months
Last UpdatedMar 17, 2026
Details
As Low As
Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.20%
87 Hale St, Lowell, MA, 01851
Used Auto (Model Years 2021-2023)
5.49%
72 months
▼
APR5.49%
Term72 months
Last UpdatedMar 17, 2026
Details
As Low As
AllCom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
36 Park Ave, Worcester, MA, 01609
Vehicle Loans New or Used Model Years 2019-2025 61 to 72-Month Term*
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 17, 2026
Details
As Low As
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA, 01851
New & Used Auto WITH Direct Deposit
5.49%
5 Years
▼
APR5.49%
Term5 Years
Last UpdatedMar 20, 2026
Details
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 18.63%
70 Westview St, Lexington, MA, 02421 3142
Used Auto
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMar 20, 2026
Details
NESC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
248 PLEASANT ST, METHUEN, MA, 01844
Used Auto Loan
5.49%
72 months
▼
APR5.49%
Term72 months
Last UpdatedMar 20, 2026
Details
Model Year: 2018-2026
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
30 Pond St, Sharon, MA, 02067 2040
Used Auto Loans 2022 - 2026
5.49%
Up to 63 Months
▼
APR5.49%
TermUp to 63 Months
Last UpdatedMar 21, 2026
Details
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
200 Concord St, Framingham, MA, 01702 8306
Used auto (2020-2023)
5.49%
Up to 60 months
▼
APR5.49%
TermUp to 60 months
Last UpdatedMar 21, 2026
Details
Direct Deposit Auto Pay
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
101 Page St, New Bedford, MA, 02740
Used Automobile Loans
5.50%
24 Months
▼
APR5.50%
Term24 Months
Last UpdatedMar 17, 2026
Details
LTV MAX: 80%; FICO Score: C 659-640
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA, 02143
Used Car (2022 - 2024)
5.50%
48 Months
▼
APR5.50%
Term48 Months
Last UpdatedMar 17, 2026
Details
Brookline Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
334 WASHINGTON ST, BROOKLINE, MA, 02445 6850
Used Auto
5.50%
60 mos.
▼
APR5.50%
Term60 mos.
Last UpdatedMar 18, 2026
Details
Community Credit Union Of Lynn
Institution Rating:
A-5.0 ★ Texas Ratio: 14.06%
1 Andrew St, Lynn, MA, 01901 1101
Used Vehicle 2025
5.50%
24-75
▼
APR5.50%
Term24-75
Last UpdatedMar 20, 2026
Details
As Low As
RBT Rollstone B&T
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
780 Main St, Fitchburg, MA, 01420
Used Vehicles Auto Loan
5.50%
48 Months
▼
APR5.50%
Term48 Months
Last UpdatedMar 21, 2026
Details
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 18.63%
70 Westview St, Lexington, MA, 02421 3142
Used Auto
5.63%
72 Months
▼
APR5.63%
Term72 Months
Last UpdatedMar 20, 2026
Details
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
155 State St, Newburyport, MA, 01950
Used Car Loans 2021-2022 Models
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedMar 15, 2026
Details
Annual Percentage Rate (APR) effective 2/1/26. Published rates reflect a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply.
Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
950 Park St, Stoughton, MA, 02072
Auto Loans - Used
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedMar 15, 2026
Details
Alden Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.29%
710 Grattan St, Chicopee, MA, 01020 1255
New & Used Auto Loans
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedMar 17, 2026
Details
Franklin First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
57 Newton St, Greenfield, MA, 01301 3113
New & Used Car Loans
5.74%
36 Months
▼
APR5.74%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
200 Concord St, Framingham, MA, 01702 8306
Used auto (2020-2023)
5.74%
Up to 60 months
▼
APR5.74%
TermUp to 60 months
Last UpdatedMar 21, 2026
Details
Without Direct Deposit Auto Pay
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
101 Page St, New Bedford, MA, 02740
Used Automobile Loans
5.75%
24 Months
▼
APR5.75%
Term24 Months
Last UpdatedMar 17, 2026
Details
LTV MAX: 70%; FICO Score: D 639-620
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA, 02143
Older Used Car (2019 - 2023)
5.75%
48 Months
▼
APR5.75%
Term48 Months
Last UpdatedMar 17, 2026
Details
Brookline Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
334 WASHINGTON ST, BROOKLINE, MA, 02445 6850
Used Auto
5.75%
72 mos.
▼
APR5.75%
Term72 mos.
Last UpdatedMar 18, 2026
Details
Community Credit Union Of Lynn
Institution Rating:
A-5.0 ★ Texas Ratio: 14.06%
1 Andrew St, Lynn, MA, 01901 1101
Used Vehicle 2024
5.75%
24-75
▼
APR5.75%
Term24-75
Last UpdatedMar 20, 2026
Details
As Low As
RBT Rollstone B&T
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
780 Main St, Fitchburg, MA, 01420
Used Vehicles Auto Loan
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedMar 21, 2026
Details
Polish National Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
46 Main St, Chicopee, MA, 01020
Used Automobile Loans, 2015-2017 Model Years
5.75%
48 Months
▼
APR5.75%
Term48 Months
Last UpdatedMar 21, 2026
Details
Rockland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.47%
241 Union St, Rockland, MA, 02370
2021-2022 (Used) Auto Loan
5.79%
72 Months
▼
APR5.79%
Term72 Months
Last UpdatedMar 11, 2026
Details
As Low As
Rockland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.47%
241 Union St, Rockland, MA, 02370
2023-2026 (New & Used) Auto Loan
5.79%
72 Months
▼
APR5.79%
Term72 Months
Last UpdatedMar 11, 2026
Details
As Low As
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
200 Westgate Center Dr, Hadley, MA, 01035
Autos: New, Used, and Refinancing
5.79%
24 to 66 Months
▼
APR5.79%
Term24 to 66 Months
Last UpdatedMar 17, 2026
Details
As Low As
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Frequently Asked Questions about Auto Loans in Somerset, 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 Somerset, 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 Somerset, 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 Somerset, Massachusetts?
Based on our current data, some of the lowest auto loan rates available in Somerset, Massachusetts include:
- St Annes Credit Union: 6.09% (New Auto 2025-2024)
- St Michaels Fall River Federal Credit Union: 7.00% (Auto Loans (new))
- BayCoast Bank: 7.75% (New Only Auto Loans)
- Somerset Federal Credit Union: 9.00% (New Auto Loan)
- Baxter Credit Union: 3.24% (Auto Loans)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Somerset, Massachusetts. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 22, 2026
