Auto Loan Rates in Southampton, Massachusetts (MA) for July 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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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 Southampton, Massachusetts. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Southampton, Massachusetts include St Anthony Of Padua Federal Credit UnionSt Anthony Of Padua Federal Credit UnionA+5.0 ★Texas Ratio: 5.37% offering Used Auto Loans - with 15% down at 3.10%, American Airlines Federal Credit UnionAmerican Airlines Federal Credit UnionA+5.0 ★Texas Ratio: 2.51% offering New Auto at 3.34%, Chelsea Employees Federal Credit UnionChelsea Employees Federal Credit UnionA+5.0 ★Texas Ratio: 3.30% offering New Autos at 3.99%, Quincy Credit UnionQuincy Credit UnionA+5.0 ★Texas Ratio: 4.28% offering New Auto Loans at 3.99%, PIONEER VALLEYPIONEER VALLEYA+5.0 ★Texas Ratio: 3.22% offering Vehicle Loan at 3.99%. Auto loan rates as of July 7, 2026 according to verified data from MonitorBankRates.
Southampton borrowers have access to 39 lenders serving the Massachusetts area, with auto loan rates as low as 3.10% APR from St Anthony Of Padua Federal Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Southampton, Massachusetts. Auto Loan Rates Last Updated and Verified: July 7, 2026
Compare Auto Loan Rates Today in Southampton, Massachusetts & Surrounding Area
Southampton Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
St Anthony Of Padua Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.37%
Used Auto Loans - with 15% down
3.10%
Maximum term to 36 months
▼
APR3.10%
TermMaximum term to 36 months
Last UpdatedJun 23, 2026
Details
As Low As; Payment Per $1000: $29.13
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
3.34%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As low as
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As low as
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
New Autos
3.99%
72 Months
▼
APR3.99%
Term72 Months
Last UpdatedJul 6, 2026
Details
90% Financing
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
Used Autos 2025 - 2026
3.99%
72 Months
▼
APR3.99%
Term72 Months
Last UpdatedJul 6, 2026
Details
90% Financing
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.28%
New Auto Loans
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedJul 7, 2026
Details
APR with Auto Pay As Low As*
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.28%
Pre-Owned Auto Loans
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedJul 7, 2026
Details
APR with Auto Pay As Low As*
APR3.99%
Term36 Months
Last UpdatedJul 7, 2026
Details
Rates as low as APR1
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
4.09%
Up to 60 months
▼
APR4.09%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
As low as
St Anthony Of Padua Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.37%
Used Auto Loans - with 15% down
4.10%
Maximum term to 48 months
▼
APR4.10%
TermMaximum term to 48 months
Last UpdatedJun 23, 2026
Details
As Low As; Payment Per $1000: $22.63
Worcester Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
Auto Loan
4.24%
up to 4 yr
▼
APR4.24%
Termup to 4 yr
Last UpdatedJun 26, 2026
Details
As Low As; New/Used, Buy/Refi*; Other great rates & terms available
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
New / Used Auto Loans
4.24%
60 months
▼
APR4.24%
Term60 months
Last UpdatedJul 6, 2026
Details
As Low As; 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%
New / Used Auto Loans 2022 - 2021
4.24%
60 months
▼
APR4.24%
Term60 months
Last UpdatedJul 6, 2026
Details
As Low As; 1.00% discount for automatic monthly payment; All rates are subject to change without notice.
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
New / Used Auto Loans 2026 - 2023
4.24%
60 months
▼
APR4.24%
Term60 months
Last UpdatedJul 6, 2026
Details
As Low As; 1.00% discount for automatic monthly payment; All rates are subject to change without notice.
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
New Vehicle Loan
4.24%
60 Months
▼
APR4.24%
Term60 Months
Last UpdatedJul 6, 2026
Details
As Low As; Certain restrictions apply.
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.18%
New** and Used Vehicle Loan
4.24%
Up to 48 Months
▼
APR4.24%
TermUp to 48 Months
Last UpdatedJul 7, 2026
Details
As low as 4.24% up to 7.99%
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.18%
Used Vehicle (2022-2024 Models) Loan
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedJul 7, 2026
Details
As low as 7.99%
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
Auto Loan - Model Year 2023-27 - 36 Month
4.39%
36 Month
▼
APR4.39%
Term36 Month
Last UpdatedJun 26, 2026
Details
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.18%
New** and Used Vehicle Loan
4.49%
49 - 71 Months
▼
APR4.49%
Term49 - 71 Months
Last UpdatedJul 7, 2026
Details
As low as 4.49% up to 8.24%
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.18%
Used Vehicle (2022-2024 Models) Loan
4.49%
2024 Mo
▼
APR4.49%
Term2024 Mo
Last UpdatedJul 7, 2026
Details
As low as 8.24%
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.28%
New Auto Loans
4.50%
37 - 48 months
▼
APR4.50%
Term37 - 48 months
Last UpdatedJul 7, 2026
Details
APR with Auto Pay As Low As*
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.28%
Pre-Owned Auto Loans
4.50%
37 - 48 months
▼
APR4.50%
Term37 - 48 months
Last UpdatedJul 7, 2026
Details
APR with Auto Pay As Low As*
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto
4.59%
Up to 60 months
▼
APR4.59%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
As low as
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
Auto Loan - Model Year 2022 - 36 Month
4.64%
36 Month
▼
APR4.64%
Term36 Month
Last UpdatedJun 26, 2026
Details
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
New / Used Auto Loans
4.74%
72 months
▼
APR4.74%
Term72 months
Last UpdatedJul 6, 2026
Details
As Low As; 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%
New / Used Auto Loans 2020 & Older
4.74%
60 months
▼
APR4.74%
Term60 months
Last UpdatedJul 6, 2026
Details
As Low As; 1.00% discount for automatic monthly payment; All rates are subject to change without notice.
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
New / Used Auto Loans 2026 - 2023
4.74%
72 months
▼
APR4.74%
Term72 months
Last UpdatedJul 6, 2026
Details
As Low As; 1.00% discount for automatic monthly payment; All rates are subject to change without notice.
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
New Vehicle Loan
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedJul 6, 2026
Details
As Low As; Certain restrictions apply.
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.18%
New** and Used Vehicle Loan
4.74%
72 - 84 Months
▼
APR4.74%
Term72 - 84 Months
Last UpdatedJul 7, 2026
Details
As low as 4.74% up to 8.74%
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.18%
Used Vehicle (2022-2024 Models) Loan
4.74%
2024 Mo
▼
APR4.74%
Term2024 Mo
Last UpdatedJul 7, 2026
Details
As low as 8.74%
BrightBridge Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Auto Loans - Model Years 2026 - 2021
4.74%
Up to 36 months
▼
APR4.74%
TermUp to 36 months
Last UpdatedJul 7, 2026
Details
As Low As; Offer valid on auto loans originated on or after January 1, 2026. To qualify for these rates, newly established direct deposit relationships of a minimum of $1,000 per month into any deposit account must be initiated within 45 days of loan closing. If the direct deposit is not established or is discontinued, the interest rate will increase by 0.50%. Direct deposit includes deposits from employer payroll, government benefits, retirement payments or pensions. Not applicable to Line of credit, revolving or credit products. Promotional discount offering may be withdrawn at any time. Additional rates and terms are available. Advertised rate(s) available on New & Used Vehicle Loans of Model Year 2021 or Newer with a maximum loan to value (LTV) of 100% or less.
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.28%
New Auto Loans
4.75%
49 - 72 months
▼
APR4.75%
Term49 - 72 months
Last UpdatedJul 7, 2026
Details
APR with Auto Pay As Low As*
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.28%
Pre-Owned Auto Loans
4.75%
49 - 72 months
▼
APR4.75%
Term49 - 72 months
Last UpdatedJul 7, 2026
Details
APR with Auto Pay As Low As*
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
Auto Loan - Model Year 2021 - 36 Month
4.89%
36 Month
▼
APR4.89%
Term36 Month
Last UpdatedJun 26, 2026
Details
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
Auto Loan - Model Year 2023-27 - 48 Month
4.89%
48 Month
▼
APR4.89%
Term48 Month
Last UpdatedJun 26, 2026
Details
Malden Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
New Auto
4.95%
2 - 5 Years
▼
APR4.95%
Term2 - 5 Years
Last UpdatedJun 23, 2026
Details
As Low As; Maximum Amount: 110.00%
Malden Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
Used Auto (Under 4 Years Old)
4.95%
4 Years
▼
APR4.95%
Term4 Years
Last UpdatedJun 23, 2026
Details
As Low As; Maximum Amount: 100.00%
Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Auto Loans - New
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedJun 23, 2026
Details
Vehicle Years: 2025 - 2026
St Anthony Of Padua Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.37%
New Auto Loans
4.99%
Maximum term to 60 months
▼
APR4.99%
TermMaximum term to 60 months
Last UpdatedJun 23, 2026
Details
As Low As
Norfolk Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
NEW Auto Loan
4.99%
Up to 72 months
▼
APR4.99%
TermUp to 72 months
Last UpdatedJun 23, 2026
Details
As Low As; Maximum Amount: $65,000
Morton Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
New Cars Loan
4.99%
up to 7 years
▼
APR4.99%
Termup to 7 years
Last UpdatedJun 26, 2026
Details
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
Auto Loan - Model Year 2022 - 48 Month
4.99%
48 Month
▼
APR4.99%
Term48 Month
Last UpdatedJun 26, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loans: New Vehicle
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedJul 5, 2026
Details
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
Used Autos 2022 - 2024
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedJul 6, 2026
Details
90% Financing
APR4.99%
Term36 months
Last UpdatedJul 7, 2026
Details
As Low As; **
Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.60%
New/Used Auto (Model Years 2024-2026)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedJul 7, 2026
Details
Rates as low as; **
Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.60%
Used Auto (Model Years < 2024)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedJul 7, 2026
Details
Rates as low as; **
New Bedford Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.21%
New Auto - 2025 and newer models
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedJul 7, 2026
Details
As Low As; *
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto WITH Direct Deposit
4.99%
3 Years
▼
APR4.99%
Term3 Years
Last UpdatedJul 7, 2026
Details
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.94%
Auto Loans
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedJul 7, 2026
Details
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.18%
Used Vehicle Loan
4.99%
Up to 36 Months
▼
APR4.99%
TermUp to 36 Months
Last UpdatedJul 7, 2026
Details
As low as 4.99% up to 8.99%
BrightBridge Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Auto Loans - Model Years 2026 - 2021
4.99%
37 to 48 months
▼
APR4.99%
Term37 to 48 months
Last UpdatedJul 7, 2026
Details
As Low As; Offer valid on auto loans originated on or after January 1, 2026. To qualify for these rates, newly established direct deposit relationships of a minimum of $1,000 per month into any deposit account must be initiated within 45 days of loan closing. If the direct deposit is not established or is discontinued, the interest rate will increase by 0.50%. Direct deposit includes deposits from employer payroll, government benefits, retirement payments or pensions. Not applicable to Line of credit, revolving or credit products. Promotional discount offering may be withdrawn at any time. Additional rates and terms are available. Advertised rate(s) available on New & Used Vehicle Loans of Model Year 2021 or Newer with a maximum loan to value (LTV) of 100% or less.
APR4.99%
Term48 Months
Last UpdatedJul 7, 2026
Details
Rates as low as APR1
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New Autos 24 Months
5.00%
24 Months
▼
APR5.00%
Term24 Months
Last UpdatedJul 6, 2026
Details
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.28%
New Auto Loans
5.00%
73 - 84 months
▼
APR5.00%
Term73 - 84 months
Last UpdatedJul 7, 2026
Details
APR with Auto Pay As Low As*
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 7.09%
New Auto
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedJul 7, 2026
Details
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
Auto Loan - Model Year 2023-27 - 66 Month
5.14%
66 Month
▼
APR5.14%
Term66 Month
Last UpdatedJun 26, 2026
Details
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
Auto Loan - Model Year 2022 - 66 Month
5.19%
66 Month
▼
APR5.19%
Term66 Month
Last UpdatedJun 26, 2026
Details
New Bedford Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.21%
Used Auto - 2021 - 2019 models
5.20%
36 months
▼
APR5.20%
Term36 months
Last UpdatedJul 7, 2026
Details
As Low As; 100% financing available
New Bedford Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.21%
Used Auto - 2024 - 2022 models
5.20%
36 months
▼
APR5.20%
Term36 months
Last UpdatedJul 7, 2026
Details
As Low As
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
New / Used Auto Loans
5.24%
84 months
▼
APR5.24%
Term84 months
Last UpdatedJul 6, 2026
Details
As Low As; 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%
New / Used Auto Loans 2026 - 2023
5.24%
84 months
▼
APR5.24%
Term84 months
Last UpdatedJul 6, 2026
Details
As Low As; 1.00% discount for automatic monthly payment; All rates are subject to change without notice.
Common Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Vehicle New/Used Finance up to 120% of the Value of the vehicle Loan
5.24%
Up to 60 Months
▼
APR5.24%
TermUp to 60 Months
Last UpdatedJul 6, 2026
Details
As Low As; Year: 2024-2026; Loan Amount: Maximum $100,000
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 7.09%
Used Auto
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedJul 7, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loans: New Vehicle
5.25%
5 Years
▼
APR5.25%
Term5 Years
Last UpdatedJul 5, 2026
Details
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New Autos 36 Months
5.25%
36 Months
▼
APR5.25%
Term36 Months
Last UpdatedJul 6, 2026
Details
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New Autos 48 Months
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedJul 6, 2026
Details
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New Autos 60 Months
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedJul 6, 2026
Details
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Used Autos
5.25%
24 Months
▼
APR5.25%
Term24 Months
Last UpdatedJul 6, 2026
Details
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.59%
New Automobile
5.25%
1-48 months
▼
APR5.25%
Term1-48 months
Last UpdatedJul 6, 2026
Details
Up To $60,000; 100% NADA value; Years 2025-2026; Maximum mileage up to 8,000
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto WITH Direct Deposit
5.25%
4 Years
▼
APR5.25%
Term4 Years
Last UpdatedJul 7, 2026
Details
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 7.09%
New Mobility Vehicle Loan
5.25%
36 Months
▼
APR5.25%
Term36 Months
Last UpdatedJul 7, 2026
Details
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 7.09%
Used Auto
5.38%
72 Months
▼
APR5.38%
Term72 Months
Last UpdatedJul 7, 2026
Details
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
Auto Loan - Model Year 2021 - 48 Month
5.39%
48 Month
▼
APR5.39%
Term48 Month
Last UpdatedJun 26, 2026
Details
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
Auto Loan - Model Year 2022 - 75 Month
5.44%
75 Month
▼
APR5.44%
Term75 Month
Last UpdatedJun 26, 2026
Details
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
Auto Loan - Model Year 2023-27 - 75 Month
5.44%
75 Month
▼
APR5.44%
Term75 Month
Last UpdatedJun 26, 2026
Details
Malden Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
Used Auto (Over 4 Years Old; No More Than 10 Years)
5.45%
4 Years
▼
APR5.45%
Term4 Years
Last UpdatedJun 23, 2026
Details
As Low As; Maximum Amount: 100.00%
Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Auto Loans - Used
5.49%
Up to 60 months
▼
APR5.49%
TermUp to 60 months
Last UpdatedJun 23, 2026
Details
Vehicle Years: 2022 - 2025
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
Used Auto (Years 2021 - 2024) Direct Deposit Auto Pay - Up to 60 months
5.49%
Up to 60 months
▼
APR5.49%
TermUp to 60 months
Last UpdatedJun 23, 2026
Details
Estimated payment per $1,000.00 is $19.10 based on 60 months
Common Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Vehicle New*** Finance up to 120% of the Value of the vehicle Loan
5.49%
Up to 60 Months
▼
APR5.49%
TermUp to 60 Months
Last UpdatedJul 6, 2026
Details
As Low As; Maximum $100,000; Year: 2024-2026
APR5.49%
Term72 months
Last UpdatedJul 7, 2026
Details
As Low As; **
Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.60%
New/Used Auto (Model Years 2024-2026)
5.49%
72 months
▼
APR5.49%
Term72 months
Last UpdatedJul 7, 2026
Details
Rates as low as; **
Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.60%
Used Auto (Model Years 2021-2023)
5.49%
72 months
▼
APR5.49%
Term72 months
Last UpdatedJul 7, 2026
Details
Rates as low as; **
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto WITH Direct Deposit
5.49%
5 Years
▼
APR5.49%
Term5 Years
Last UpdatedJul 7, 2026
Details
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.18%
Used Vehicle 2020 Loan
5.49%
Up to 36 Months
▼
APR5.49%
TermUp to 36 Months
Last UpdatedJul 7, 2026
Details
As low as 5.49% up to 9.24%
BrightBridge Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Auto Loans - Model Years 2026 - 2021
5.49%
67 to 75 months
▼
APR5.49%
Term67 to 75 months
Last UpdatedJul 7, 2026
Details
As Low As; Offer valid on auto loans originated on or after January 1, 2026. To qualify for these rates, newly established direct deposit relationships of a minimum of $1,000 per month into any deposit account must be initiated within 45 days of loan closing. If the direct deposit is not established or is discontinued, the interest rate will increase by 0.50%. Direct deposit includes deposits from employer payroll, government benefits, retirement payments or pensions. Not applicable to Line of credit, revolving or credit products. Promotional discount offering may be withdrawn at any time. Additional rates and terms are available. Advertised rate(s) available on New & Used Vehicle Loans of Model Year 2021 or Newer with a maximum loan to value (LTV) of 100% or less.
APR5.49%
Term66 Months
Last UpdatedJul 7, 2026
Details
Rates as low as APR1
APR5.50%
Term12-60 months
Last UpdatedJun 22, 2026
Details
Year: 2022-2026
Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Auto Loans - New
5.50%
72 months
▼
APR5.50%
Term72 months
Last UpdatedJun 23, 2026
Details
Vehicle Years: 2025 - 2026
Newburyport Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
New Vehicles Loan
5.50%
48 Months
▼
APR5.50%
Term48 Months
Last UpdatedJun 23, 2026
Details
Somerset Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
New & Used Auto Loan
5.50%
12 Months to 72 Months
▼
APR5.50%
Term12 Months to 72 Months
Last UpdatedJun 26, 2026
Details
As Low As
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New Autos 72 Months
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedJul 6, 2026
Details
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Used Autos
5.50%
36 Months
▼
APR5.50%
Term36 Months
Last UpdatedJul 6, 2026
Details
Lowell Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
New Vehicles Loan
5.50%
7 year(s)
▼
APR5.50%
Term7 year(s)
Last UpdatedJul 6, 2026
Details
Model Yrs: 2024 - 2025; Credit Score: 700-850; Debt Ratio: 42 %; MAX: $ 100,000
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 7.09%
New Auto
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedJul 7, 2026
Details
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
Auto Loan - Model Year 2021 - 66 Month
5.64%
66 Month
▼
APR5.64%
Term66 Month
Last UpdatedJun 26, 2026
Details
New England Teamsters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.03%
New Auto Loan
5.74%
3 Year Term
▼
APR5.74%
Term3 Year Term
Last UpdatedJun 16, 2026
Details
As Low As; Age of Vehicle: 2023 and Newer
Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Auto Loans - Used
5.74%
Up to 60 months
▼
APR5.74%
TermUp to 60 months
Last UpdatedJun 23, 2026
Details
Vehicle Years: 2018 - 2021
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
Used Auto (Years 2021 - 2024) Without Direct Deposit Auto Pay - Up to 60 months
5.74%
Up to 60 months
▼
APR5.74%
TermUp to 60 months
Last UpdatedJun 23, 2026
Details
Estimated payment per $1,000.00 is $19.22 based on 60 months
Common Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Vehicle New/Used Finance up to 120% of the Value of the vehicle Loan
5.74%
Up to 61-84 Months
▼
APR5.74%
TermUp to 61-84 Months
Last UpdatedJul 6, 2026
Details
As Low As; Year: 2024-2026; Loan Amount: Maximum $100,000
Dean Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
New Cars Loan
5.75%
36 Months
▼
APR5.75%
Term36 Months
Last UpdatedJun 16, 2026
Details
As Low As
Newburyport Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
New Vehicles Loan
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedJun 23, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
Used Vehicles Loan
5.75%
48 Months
▼
APR5.75%
Term48 Months
Last UpdatedJun 23, 2026
Details
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Used Autos
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedJul 6, 2026
Details
New Bedford Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.21%
New Auto - 2025 and newer models
5.75%
75 months
▼
APR5.75%
Term75 months
Last UpdatedJul 7, 2026
Details
As Low As; **
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 7.09%
Used Mobility Vehicle Loan
5.75%
36 Months
▼
APR5.75%
Term36 Months
Last UpdatedJul 7, 2026
Details
Somerville Municipal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.92%
New Vehicle Loans
5.99%
Up to 72 months
▼
APR5.99%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details
Maximum Amount: $80,000; Minimum Balance: $30,000 for 72-84 months
New England Teamsters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.03%
New Auto Loan
5.99%
4 Year Term
▼
APR5.99%
Term4 Year Term
Last UpdatedJun 16, 2026
Details
As Low As; Age of Vehicle: 2023 and Newer
Massachusetts Family Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
New Vehicle (60 month) Loan
5.99%
60 month
▼
APR5.99%
Term60 month
Last UpdatedJun 16, 2026
Details
Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Auto Loans - Used
5.99%
72 months
▼
APR5.99%
Term72 months
Last UpdatedJun 23, 2026
Details
Vehicle Years: 2022 - 2025
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
Used Auto (Years 2021 - 2024) Direct Deposit Auto Pay for 61-84 months
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedJun 23, 2026
Details
Estimated payment per $1,000.00 is $14.61 based on 84 months
St Anthony Of Padua Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.37%
Used Auto Loans - with 15% down (Maximum term to 48 months, Vehicles 1 - 5 years old)
5.99%
48 months
▼
APR5.99%
Term48 months
Last UpdatedJun 23, 2026
Details
As Low As; Vehicles 1 - 5 years old
Morton Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
Used Cars Loan
5.99%
up to 6 years
▼
APR5.99%
Termup to 6 years
Last UpdatedJun 26, 2026
Details
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
Used Autos 2019 - 2021
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedJul 6, 2026
Details
90% Financing
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.59%
New Automobile
5.99%
49-72 months
▼
APR5.99%
Term49-72 months
Last UpdatedJul 6, 2026
Details
Up To $60,000; 100% NADA value; Years 2025-2026; Maximum mileage up to 8,000
Common Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Vehicle New*** Finance up to 120% of the Value of the vehicle Loan
5.99%
Up to 61-84 Months***
▼
APR5.99%
TermUp to 61-84 Months***
Last UpdatedJul 6, 2026
Details
As Low As; Maximum $100,000; Year: 2024-2026
Common Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Vehicle Used Finance up to 120% of the Value of the vehicle Loan
5.99%
Up to 60 Months
▼
APR5.99%
TermUp to 60 Months
Last UpdatedJul 6, 2026
Details
As Low As; Year: 2019-2023; Loan Amount: Maximum $75,000
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto
5.99%
3 Years
▼
APR5.99%
Term3 Years
Last UpdatedJul 7, 2026
Details
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.18%
Used Vehicle 2019 Loan
5.99%
Up to 36 Months
▼
APR5.99%
TermUp to 36 Months
Last UpdatedJul 7, 2026
Details
As low as 5.99% up to 9.74%
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.18%
Used Vehicle 2020 Loan
5.99%
37 - 48 Months
▼
APR5.99%
Term37 - 48 Months
Last UpdatedJul 7, 2026
Details
As low as 5.99% up to 9.49%
APR5.99%
Term72 Months
Last UpdatedJul 7, 2026
Details
Rates as low as APR1
Newburyport Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
New Vehicles Loan
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedJun 23, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
Used Vehicles Loan
6.00%
60 Months
▼
APR6.00%
Term60 Months
Last UpdatedJun 23, 2026
Details
New Bedford Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.21%
New Auto - 2025 and newer models
6.00%
84 months
▼
APR6.00%
Term84 months
Last UpdatedJul 7, 2026
Details
As Low As; **
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 7.09%
New Mobility Vehicle Loan
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedJul 7, 2026
Details
Lowell Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Used Vehicles 2010 - 2023 Loan
6.10%
6 year(s)
▼
APR6.10%
Term6 year(s)
Last UpdatedJul 6, 2026
Details
Tier 1; Credit Score 700-850; Debt Ratio 42 %; MAX $ 85,000
Methuen Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
24 Month New Auto Loan
6.12%
24 Month
▼
APR6.12%
Term24 Month
Last UpdatedJun 22, 2026
Details
Methuen Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
New Auto
6.12%
24 mo.
▼
APR6.12%
Term24 mo.
Last UpdatedJun 22, 2026
Details
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
Auto Loan - Model Year 2020 - 66 Month
6.14%
66 Month
▼
APR6.14%
Term66 Month
Last UpdatedJun 26, 2026
Details
New England Teamsters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.03%
Used Auto Loan
6.24%
3 Year Term
▼
APR6.24%
Term3 Year Term
Last UpdatedJun 16, 2026
Details
As Low As; Age of Vehicle: 2018 - 2022
Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Auto Loans - New
6.24%
84 months
▼
APR6.24%
Term84 months
Last UpdatedJun 23, 2026
Details
Vehicle Years: 2025 - 2026
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
Used Auto (Years 2021 - 2024) Without Direct Deposit Auto Pay for 61-84 months
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedJun 23, 2026
Details
Estimated payment per $1,000.00 is $14.73 based on 84 months
Common Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Vehicle Used*** Finance up to 120% of the Value of the vehicle Loan
6.24%
Up to 60 Months
▼
APR6.24%
TermUp to 60 Months
Last UpdatedJul 6, 2026
Details
As Low As; Maximum $75,000; Year: 2019-2023
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.65%
New Auto 4 Year term
6.24%
48 Months
▼
APR6.24%
Term48 Months
Last UpdatedJul 7, 2026
Details
As Low As
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.18%
Used Vehicle 2019 Loan
6.24%
37 - 48 Months
▼
APR6.24%
Term37 - 48 Months
Last UpdatedJul 7, 2026
Details
As low as 6.24% up to 9.99%
Dean Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
New Cars Loan
6.25%
48 Months
▼
APR6.25%
Term48 Months
Last UpdatedJun 16, 2026
Details
As Low As
Methuen Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
New Auto
6.25%
36 mo.
▼
APR6.25%
Term36 mo.
Last UpdatedJun 22, 2026
Details
APR6.25%
Term12-48 months
Last UpdatedJun 22, 2026
Details
Year: 2019-2021
Country Bank for Savings
Institution Rating:
A5.0 ★ Texas Ratio: 7.70%
Vehicle Loan
6.25%
60 Months
▼
APR6.25%
Term60 Months
Last UpdatedJun 23, 2026
Details
Year of Vehicle: 2024-2026
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loans: Used Vehicle
6.25%
5 Years
▼
APR6.25%
Term5 Years
Last UpdatedJul 5, 2026
Details
Lowell Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
New Vehicles Loan
6.25%
7 year(s)
▼
APR6.25%
Term7 year(s)
Last UpdatedJul 6, 2026
Details
Model Yrs: 2024 - 2025; Credit Score: 600-699; Debt Ratio: 38 %; MAX: $ 100,000
New Bedford Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.21%
Used Auto - 2024 - 2022 models
6.25%
75 months
▼
APR6.25%
Term75 months
Last UpdatedJul 7, 2026
Details
As Low As
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto
6.25%
4 Years
▼
APR6.25%
Term4 Years
Last UpdatedJul 7, 2026
Details
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
Auto Loan - Model Year 2021 - 75 Month
6.34%
75 Month
▼
APR6.34%
Term75 Month
Last UpdatedJun 26, 2026
Details
Methuen Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
New Auto
6.38%
48 mo.
▼
APR6.38%
Term48 mo.
Last UpdatedJun 22, 2026
Details
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
Auto Loan - Model Year 2019 - 60 Month
6.44%
60 Month
▼
APR6.44%
Term60 Month
Last UpdatedJun 26, 2026
Details
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.59%
Used Automobile
6.49%
12-72 months
▼
APR6.49%
Term12-72 months
Last UpdatedJul 6, 2026
Details
Up To $50,000; 90% NADA value; Years 2020-2026
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.65%
New Auto 5 Year term
6.49%
60 Months
▼
APR6.49%
Term60 Months
Last UpdatedJul 7, 2026
Details
As Low As
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.65%
Used Auto 4 Year term
6.49%
48 Months
▼
APR6.49%
Term48 Months
Last UpdatedJul 7, 2026
Details
As Low As
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto
6.49%
5 Years
▼
APR6.49%
Term5 Years
Last UpdatedJul 7, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto WITH Direct Deposit
6.49%
6 Years
▼
APR6.49%
Term6 Years
Last UpdatedJul 7, 2026
Details
APR6.49%
Term78 Months
Last UpdatedJul 7, 2026
Details
Rates as low as APR1
Dean Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
Used Cars Loan
6.50%
24 Months
▼
APR6.50%
Term24 Months
Last UpdatedJun 16, 2026
Details
As Low As
Methuen Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
New Auto
6.50%
60 mo.
▼
APR6.50%
Term60 mo.
Last UpdatedJun 22, 2026
Details
Country Bank for Savings
Institution Rating:
A5.0 ★ Texas Ratio: 7.70%
Vehicle Loan
6.50%
72 Months
▼
APR6.50%
Term72 Months
Last UpdatedJun 23, 2026
Details
Year of Vehicle: 2024-2026
Lowell Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
New Vehicles Loan
6.50%
7 year(s)
▼
APR6.50%
Term7 year(s)
Last UpdatedJul 6, 2026
Details
Model Yrs: 2024 - 2025; Credit Score: 500-599; Debt Ratio: 32 %; MAX: $ 100,000
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 7.09%
Used Mobility Vehicle Loan
6.50%
72 Months
▼
APR6.50%
Term72 Months
Last UpdatedJul 7, 2026
Details
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
Auto Loan - Model Year 2020 - 75 Month
6.54%
75 Month
▼
APR6.54%
Term75 Month
Last UpdatedJun 26, 2026
Details
Methuen Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
Used Auto
6.62%
24 mo.
▼
APR6.62%
Term24 mo.
Last UpdatedJun 22, 2026
Details
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 7.09%
New Auto
6.63%
84 Months
▼
APR6.63%
Term84 Months
Last UpdatedJul 7, 2026
Details
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
Auto Loan - Model Year 2022 - 84 Month
6.64%
84 Month
▼
APR6.64%
Term84 Month
Last UpdatedJun 26, 2026
Details
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
Auto Loan - Model Year 2023-27 - 84 Month
6.64%
84 Month
▼
APR6.64%
Term84 Month
Last UpdatedJun 26, 2026
Details
New England Teamsters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.03%
Used Auto Loan
6.74%
4 Year Term
▼
APR6.74%
Term4 Year Term
Last UpdatedJun 16, 2026
Details
As Low As; Age of Vehicle: 2018 - 2022
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.65%
New Auto 6 Year term
6.74%
72 Months
▼
APR6.74%
Term72 Months
Last UpdatedJul 7, 2026
Details
As Low As
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.65%
Used Auto 5 Year term
6.74%
60 Months
▼
APR6.74%
Term60 Months
Last UpdatedJul 7, 2026
Details
As Low As
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto WITH Direct Deposit
6.74%
7 Years
▼
APR6.74%
Term7 Years
Last UpdatedJul 7, 2026
Details
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 7.09%
Used Auto
6.74%
84 Months
▼
APR6.74%
Term84 Months
Last UpdatedJul 7, 2026
Details
Dean Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
New Cars Loan
6.75%
60 Months
▼
APR6.75%
Term60 Months
Last UpdatedJun 16, 2026
Details
As Low As
Massachusetts Family Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
New Vehicle (Over 60 Month) Loan
6.75%
Over 60 Month
▼
APR6.75%
TermOver 60 Month
Last UpdatedJun 16, 2026
Details
Methuen Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
Used Auto
6.75%
36 mo.
▼
APR6.75%
Term36 mo.
Last UpdatedJun 22, 2026
Details
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
Used Auto (Years 2018 - 2020) Direct Deposit Auto Pay
6.75%
Up to 60 months
▼
APR6.75%
TermUp to 60 months
Last UpdatedJun 23, 2026
Details
Estimated payment per $1,000.00 is $19.69 based on 60 months
Lowell Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Used Vehicles 2010 - 2023 Loan
6.85%
6 year(s)
▼
APR6.85%
Term6 year(s)
Last UpdatedJul 6, 2026
Details
Tier 2; Credit Score 600-699; Debt Ratio 38 %; MAX $ 85,000
Methuen Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
Used Auto
6.88%
48 mo.
▼
APR6.88%
Term48 mo.
Last UpdatedJun 22, 2026
Details
Somerville Municipal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.92%
Used Vehicle Loans 2021 - 2023
6.99%
Up to 72 months
▼
APR6.99%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details
As Low As; $30,000 min for 72 mos
New England Teamsters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.03%
New Auto Loan
6.99%
6 Year Term
▼
APR6.99%
Term6 Year Term
Last UpdatedJun 16, 2026
Details
As Low As; Age of Vehicle: 2023 and Newer
Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Auto Loans - Used
6.99%
84 months
▼
APR6.99%
Term84 months
Last UpdatedJun 23, 2026
Details
Vehicle Years: 2022 - 2025
St Anthony Of Padua Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.37%
Used Auto Loans - with 15% down (Maximum term to 48 months, Vehicles 6 years or older)
6.99%
48 months
▼
APR6.99%
Term48 months
Last UpdatedJun 23, 2026
Details
As Low As; Vehicles 6 years or older
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
Used Autos 2016 - 2018
6.99%
60 Months
▼
APR6.99%
Term60 Months
Last UpdatedJul 6, 2026
Details
90% Financing
Common Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Vehicle Used Finance up to 80% of the Value of the vehicle Loan
6.99%
Up to 36 Months
▼
APR6.99%
TermUp to 36 Months
Last UpdatedJul 6, 2026
Details
As Low As; Year: 2009-2018; Loan Amount: Maximum $50,000
APR6.99%
Term84 months
Last UpdatedJul 7, 2026
Details
As Low As; **
Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.60%
New/Used Auto (Model Years 2022-2026)
6.99%
84 months
▼
APR6.99%
Term84 months
Last UpdatedJul 7, 2026
Details
Rates as low as; **
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.65%
New Auto 7 Year term
6.99%
84 Months
▼
APR6.99%
Term84 Months
Last UpdatedJul 7, 2026
Details
As Low As
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.65%
Used Auto 6 Year term
6.99%
72 Months
▼
APR6.99%
Term72 Months
Last UpdatedJul 7, 2026
Details
As Low As
New Bedford Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.21%
Used Auto - 2024 - 2022 models
6.99%
84 months
▼
APR6.99%
Term84 months
Last UpdatedJul 7, 2026
Details
As Low As
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Older Vehicles >10Years Loan
6.99%
3 Years
▼
APR6.99%
Term3 Years
Last UpdatedJul 7, 2026
Details
APR**(Credit & Promotional Rates applied)
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Specialty Vehicle Loans
6.99%
3 Years
▼
APR6.99%
Term3 Years
Last UpdatedJul 7, 2026
Details
Credit & Promotional Rates applied
APR6.99%
Term84 Months
Last UpdatedJul 7, 2026
Details
Rates as low as APR1
APR7.00%
Term12-48 months
Last UpdatedJun 22, 2026
Details
Year: 2018 and older
Lee Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
New / Used Vehicle (2023-2026) Loan
7.00%
72 mo.
▼
APR7.00%
Term72 mo.
Last UpdatedJun 23, 2026
Details
0.25% discount with Lee Bank Relationship and Autopayment
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
Used Auto (Years 2018 - 2020) Without Direct Deposit Auto Pay
7.00%
Up to 60 months
▼
APR7.00%
TermUp to 60 months
Last UpdatedJun 23, 2026
Details
Estimated payment per $1,000.00 is $19.81 based on 60 months
St Michaels Fall River Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.45%
Auto Loans (new)
7.00%
60 mos
▼
APR7.00%
Term60 mos
Last UpdatedJun 23, 2026
Details
As Low As; Max Loan Amount: $40,000.00; Min. Down Payment:
Lowell Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Used Vehicles 2010 - 2023 Loan
7.10%
6 year(s)
▼
APR7.10%
Term6 year(s)
Last UpdatedJul 6, 2026
Details
Tier 3; Credit Score 500-599; Debt Ratio 32 %; MAX $ 85,000
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
Auto Loan - Model Year 2018 or older - 48 Month
7.19%
48 Month
▼
APR7.19%
Term48 Month
Last UpdatedJun 26, 2026
Details
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.65%
Used Auto 7 Year term
7.24%
84 Months
▼
APR7.24%
Term84 Months
Last UpdatedJul 7, 2026
Details
As Low As
Dean Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
New Cars Loan
7.25%
72 Months
▼
APR7.25%
Term72 Months
Last UpdatedJun 16, 2026
Details
As Low As
Dean Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
Used Cars Loan
7.25%
48 Months
▼
APR7.25%
Term48 Months
Last UpdatedJun 16, 2026
Details
As Low As
Reading Co-op Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
New or Used Auto Loans - 48 Months
7.25%
48 Months
▼
APR7.25%
Term48 Months
Last UpdatedJun 22, 2026
Details
Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
New Auto Loans
7.25%
with auto pay
▼
APR7.25%
Termwith auto pay
Last UpdatedJul 6, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Older Vehicles >10Years Loan
7.25%
4 Years
▼
APR7.25%
Term4 Years
Last UpdatedJul 7, 2026
Details
APR**(Credit & Promotional Rates applied)
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Specialty Vehicle Loans
7.25%
4 Years
▼
APR7.25%
Term4 Years
Last UpdatedJul 7, 2026
Details
Credit & Promotional Rates applied
Powered by
MonitorBankRates
Southampton New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
3.34%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As low as
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
New Autos
3.99%
72 Months
▼
APR3.99%
Term72 Months
Last UpdatedJul 6, 2026
Details
90% Financing
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.28%
New Auto Loans
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedJul 7, 2026
Details
APR with Auto Pay As Low As*
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
4.09%
Up to 60 months
▼
APR4.09%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
As low as
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
New / Used Auto Loans
4.24%
60 months
▼
APR4.24%
Term60 months
Last UpdatedJul 6, 2026
Details
As Low As; 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%
New / Used Auto Loans 2022 - 2021
4.24%
60 months
▼
APR4.24%
Term60 months
Last UpdatedJul 6, 2026
Details
As Low As; 1.00% discount for automatic monthly payment; All rates are subject to change without notice.
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
New / Used Auto Loans 2026 - 2023
4.24%
60 months
▼
APR4.24%
Term60 months
Last UpdatedJul 6, 2026
Details
As Low As; 1.00% discount for automatic monthly payment; All rates are subject to change without notice.
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
New Vehicle Loan
4.24%
60 Months
▼
APR4.24%
Term60 Months
Last UpdatedJul 6, 2026
Details
As Low As; Certain restrictions apply.
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.18%
New** and Used Vehicle Loan
4.24%
Up to 48 Months
▼
APR4.24%
TermUp to 48 Months
Last UpdatedJul 7, 2026
Details
As low as 4.24% up to 7.99%
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.18%
New** and Used Vehicle Loan
4.49%
49 - 71 Months
▼
APR4.49%
Term49 - 71 Months
Last UpdatedJul 7, 2026
Details
As low as 4.49% up to 8.24%
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.28%
New Auto Loans
4.50%
37 - 48 months
▼
APR4.50%
Term37 - 48 months
Last UpdatedJul 7, 2026
Details
APR with Auto Pay As Low As*
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
New / Used Auto Loans
4.74%
72 months
▼
APR4.74%
Term72 months
Last UpdatedJul 6, 2026
Details
As Low As; 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%
New / Used Auto Loans 2020 & Older
4.74%
60 months
▼
APR4.74%
Term60 months
Last UpdatedJul 6, 2026
Details
As Low As; 1.00% discount for automatic monthly payment; All rates are subject to change without notice.
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
New / Used Auto Loans 2026 - 2023
4.74%
72 months
▼
APR4.74%
Term72 months
Last UpdatedJul 6, 2026
Details
As Low As; 1.00% discount for automatic monthly payment; All rates are subject to change without notice.
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
New Vehicle Loan
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedJul 6, 2026
Details
As Low As; Certain restrictions apply.
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.18%
New** and Used Vehicle Loan
4.74%
72 - 84 Months
▼
APR4.74%
Term72 - 84 Months
Last UpdatedJul 7, 2026
Details
As low as 4.74% up to 8.74%
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.28%
New Auto Loans
4.75%
49 - 72 months
▼
APR4.75%
Term49 - 72 months
Last UpdatedJul 7, 2026
Details
APR with Auto Pay As Low As*
Malden Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
New Auto
4.95%
2 - 5 Years
▼
APR4.95%
Term2 - 5 Years
Last UpdatedJun 23, 2026
Details
As Low As; Maximum Amount: 110.00%
Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Auto Loans - New
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedJun 23, 2026
Details
Vehicle Years: 2025 - 2026
St Anthony Of Padua Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.37%
New Auto Loans
4.99%
Maximum term to 60 months
▼
APR4.99%
TermMaximum term to 60 months
Last UpdatedJun 23, 2026
Details
As Low As
Norfolk Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
NEW Auto Loan
4.99%
Up to 72 months
▼
APR4.99%
TermUp to 72 months
Last UpdatedJun 23, 2026
Details
As Low As; Maximum Amount: $65,000
Morton Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
New Cars Loan
4.99%
up to 7 years
▼
APR4.99%
Termup to 7 years
Last UpdatedJun 26, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loans: New Vehicle
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedJul 5, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.60%
New/Used Auto (Model Years 2024-2026)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedJul 7, 2026
Details
Rates as low as; **
New Bedford Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.21%
New Auto - 2025 and newer models
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedJul 7, 2026
Details
As Low As; *
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto WITH Direct Deposit
4.99%
3 Years
▼
APR4.99%
Term3 Years
Last UpdatedJul 7, 2026
Details
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New Autos 24 Months
5.00%
24 Months
▼
APR5.00%
Term24 Months
Last UpdatedJul 6, 2026
Details
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.28%
New Auto Loans
5.00%
73 - 84 months
▼
APR5.00%
Term73 - 84 months
Last UpdatedJul 7, 2026
Details
APR with Auto Pay As Low As*
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 7.09%
New Auto
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedJul 7, 2026
Details
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
New / Used Auto Loans
5.24%
84 months
▼
APR5.24%
Term84 months
Last UpdatedJul 6, 2026
Details
As Low As; 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%
New / Used Auto Loans 2026 - 2023
5.24%
84 months
▼
APR5.24%
Term84 months
Last UpdatedJul 6, 2026
Details
As Low As; 1.00% discount for automatic monthly payment; All rates are subject to change without notice.
Common Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Vehicle New/Used Finance up to 120% of the Value of the vehicle Loan
5.24%
Up to 60 Months
▼
APR5.24%
TermUp to 60 Months
Last UpdatedJul 6, 2026
Details
As Low As; Year: 2024-2026; Loan Amount: Maximum $100,000
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loans: New Vehicle
5.25%
5 Years
▼
APR5.25%
Term5 Years
Last UpdatedJul 5, 2026
Details
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New Autos 36 Months
5.25%
36 Months
▼
APR5.25%
Term36 Months
Last UpdatedJul 6, 2026
Details
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New Autos 48 Months
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedJul 6, 2026
Details
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New Autos 60 Months
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedJul 6, 2026
Details
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.59%
New Automobile
5.25%
1-48 months
▼
APR5.25%
Term1-48 months
Last UpdatedJul 6, 2026
Details
Up To $60,000; 100% NADA value; Years 2025-2026; Maximum mileage up to 8,000
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto WITH Direct Deposit
5.25%
4 Years
▼
APR5.25%
Term4 Years
Last UpdatedJul 7, 2026
Details
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 7.09%
New Mobility Vehicle Loan
5.25%
36 Months
▼
APR5.25%
Term36 Months
Last UpdatedJul 7, 2026
Details
Common Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Vehicle New*** Finance up to 120% of the Value of the vehicle Loan
5.49%
Up to 60 Months
▼
APR5.49%
TermUp to 60 Months
Last UpdatedJul 6, 2026
Details
As Low As; Maximum $100,000; Year: 2024-2026
Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.60%
New/Used Auto (Model Years 2024-2026)
5.49%
72 months
▼
APR5.49%
Term72 months
Last UpdatedJul 7, 2026
Details
Rates as low as; **
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto WITH Direct Deposit
5.49%
5 Years
▼
APR5.49%
Term5 Years
Last UpdatedJul 7, 2026
Details
Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Auto Loans - New
5.50%
72 months
▼
APR5.50%
Term72 months
Last UpdatedJun 23, 2026
Details
Vehicle Years: 2025 - 2026
Newburyport Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
New Vehicles Loan
5.50%
48 Months
▼
APR5.50%
Term48 Months
Last UpdatedJun 23, 2026
Details
Somerset Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
New & Used Auto Loan
5.50%
12 Months to 72 Months
▼
APR5.50%
Term12 Months to 72 Months
Last UpdatedJun 26, 2026
Details
As Low As
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New Autos 72 Months
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedJul 6, 2026
Details
Lowell Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
New Vehicles Loan
5.50%
7 year(s)
▼
APR5.50%
Term7 year(s)
Last UpdatedJul 6, 2026
Details
Model Yrs: 2024 - 2025; Credit Score: 700-850; Debt Ratio: 42 %; MAX: $ 100,000
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 7.09%
New Auto
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedJul 7, 2026
Details
New England Teamsters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.03%
New Auto Loan
5.74%
3 Year Term
▼
APR5.74%
Term3 Year Term
Last UpdatedJun 16, 2026
Details
As Low As; Age of Vehicle: 2023 and Newer
Common Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Vehicle New/Used Finance up to 120% of the Value of the vehicle Loan
5.74%
Up to 61-84 Months
▼
APR5.74%
TermUp to 61-84 Months
Last UpdatedJul 6, 2026
Details
As Low As; Year: 2024-2026; Loan Amount: Maximum $100,000
Dean Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
New Cars Loan
5.75%
36 Months
▼
APR5.75%
Term36 Months
Last UpdatedJun 16, 2026
Details
As Low As
Newburyport Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
New Vehicles Loan
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedJun 23, 2026
Details
New Bedford Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.21%
New Auto - 2025 and newer models
5.75%
75 months
▼
APR5.75%
Term75 months
Last UpdatedJul 7, 2026
Details
As Low As; **
Somerville Municipal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.92%
New Vehicle Loans
5.99%
Up to 72 months
▼
APR5.99%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details
Maximum Amount: $80,000; Minimum Balance: $30,000 for 72-84 months
New England Teamsters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.03%
New Auto Loan
5.99%
4 Year Term
▼
APR5.99%
Term4 Year Term
Last UpdatedJun 16, 2026
Details
As Low As; Age of Vehicle: 2023 and Newer
Massachusetts Family Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
New Vehicle (60 month) Loan
5.99%
60 month
▼
APR5.99%
Term60 month
Last UpdatedJun 16, 2026
Details
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.59%
New Automobile
5.99%
49-72 months
▼
APR5.99%
Term49-72 months
Last UpdatedJul 6, 2026
Details
Up To $60,000; 100% NADA value; Years 2025-2026; Maximum mileage up to 8,000
Common Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Vehicle New*** Finance up to 120% of the Value of the vehicle Loan
5.99%
Up to 61-84 Months***
▼
APR5.99%
TermUp to 61-84 Months***
Last UpdatedJul 6, 2026
Details
As Low As; Maximum $100,000; Year: 2024-2026
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto
5.99%
3 Years
▼
APR5.99%
Term3 Years
Last UpdatedJul 7, 2026
Details
Newburyport Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
New Vehicles Loan
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedJun 23, 2026
Details
New Bedford Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.21%
New Auto - 2025 and newer models
6.00%
84 months
▼
APR6.00%
Term84 months
Last UpdatedJul 7, 2026
Details
As Low As; **
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 7.09%
New Mobility Vehicle Loan
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedJul 7, 2026
Details
Methuen Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
24 Month New Auto Loan
6.12%
24 Month
▼
APR6.12%
Term24 Month
Last UpdatedJun 22, 2026
Details
Methuen Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
New Auto
6.12%
24 mo.
▼
APR6.12%
Term24 mo.
Last UpdatedJun 22, 2026
Details
Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Auto Loans - New
6.24%
84 months
▼
APR6.24%
Term84 months
Last UpdatedJun 23, 2026
Details
Vehicle Years: 2025 - 2026
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.65%
New Auto 4 Year term
6.24%
48 Months
▼
APR6.24%
Term48 Months
Last UpdatedJul 7, 2026
Details
As Low As
Dean Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
New Cars Loan
6.25%
48 Months
▼
APR6.25%
Term48 Months
Last UpdatedJun 16, 2026
Details
As Low As
Methuen Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
New Auto
6.25%
36 mo.
▼
APR6.25%
Term36 mo.
Last UpdatedJun 22, 2026
Details
Lowell Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
New Vehicles Loan
6.25%
7 year(s)
▼
APR6.25%
Term7 year(s)
Last UpdatedJul 6, 2026
Details
Model Yrs: 2024 - 2025; Credit Score: 600-699; Debt Ratio: 38 %; MAX: $ 100,000
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto
6.25%
4 Years
▼
APR6.25%
Term4 Years
Last UpdatedJul 7, 2026
Details
Methuen Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
New Auto
6.38%
48 mo.
▼
APR6.38%
Term48 mo.
Last UpdatedJun 22, 2026
Details
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.65%
New Auto 5 Year term
6.49%
60 Months
▼
APR6.49%
Term60 Months
Last UpdatedJul 7, 2026
Details
As Low As
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto
6.49%
5 Years
▼
APR6.49%
Term5 Years
Last UpdatedJul 7, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto WITH Direct Deposit
6.49%
6 Years
▼
APR6.49%
Term6 Years
Last UpdatedJul 7, 2026
Details
Methuen Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
New Auto
6.50%
60 mo.
▼
APR6.50%
Term60 mo.
Last UpdatedJun 22, 2026
Details
Lowell Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
New Vehicles Loan
6.50%
7 year(s)
▼
APR6.50%
Term7 year(s)
Last UpdatedJul 6, 2026
Details
Model Yrs: 2024 - 2025; Credit Score: 500-599; Debt Ratio: 32 %; MAX: $ 100,000
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 7.09%
New Auto
6.63%
84 Months
▼
APR6.63%
Term84 Months
Last UpdatedJul 7, 2026
Details
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.65%
New Auto 6 Year term
6.74%
72 Months
▼
APR6.74%
Term72 Months
Last UpdatedJul 7, 2026
Details
As Low As
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto WITH Direct Deposit
6.74%
7 Years
▼
APR6.74%
Term7 Years
Last UpdatedJul 7, 2026
Details
Dean Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
New Cars Loan
6.75%
60 Months
▼
APR6.75%
Term60 Months
Last UpdatedJun 16, 2026
Details
As Low As
Massachusetts Family Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
New Vehicle (Over 60 Month) Loan
6.75%
Over 60 Month
▼
APR6.75%
TermOver 60 Month
Last UpdatedJun 16, 2026
Details
New England Teamsters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.03%
New Auto Loan
6.99%
6 Year Term
▼
APR6.99%
Term6 Year Term
Last UpdatedJun 16, 2026
Details
As Low As; Age of Vehicle: 2023 and Newer
Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.60%
New/Used Auto (Model Years 2022-2026)
6.99%
84 months
▼
APR6.99%
Term84 months
Last UpdatedJul 7, 2026
Details
Rates as low as; **
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.65%
New Auto 7 Year term
6.99%
84 Months
▼
APR6.99%
Term84 Months
Last UpdatedJul 7, 2026
Details
As Low As
Lee Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
New / Used Vehicle (2023-2026) Loan
7.00%
72 mo.
▼
APR7.00%
Term72 mo.
Last UpdatedJun 23, 2026
Details
0.25% discount with Lee Bank Relationship and Autopayment
St Michaels Fall River Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.45%
Auto Loans (new)
7.00%
60 mos
▼
APR7.00%
Term60 mos
Last UpdatedJun 23, 2026
Details
As Low As; Max Loan Amount: $40,000.00; Min. Down Payment:
Dean Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
New Cars Loan
7.25%
72 Months
▼
APR7.25%
Term72 Months
Last UpdatedJun 16, 2026
Details
As Low As
Reading Co-op Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
New or Used Auto Loans - 48 Months
7.25%
48 Months
▼
APR7.25%
Term48 Months
Last UpdatedJun 22, 2026
Details
Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
New Auto Loans
7.25%
with auto pay
▼
APR7.25%
Termwith auto pay
Last UpdatedJul 6, 2026
Details
Powered by
MonitorBankRates
Southampton Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
St Anthony Of Padua Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.37%
Used Auto Loans - with 15% down
3.10%
Maximum term to 36 months
▼
APR3.10%
TermMaximum term to 36 months
Last UpdatedJun 23, 2026
Details
As Low As; Payment Per $1000: $29.13
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As low as
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
Used Autos 2025 - 2026
3.99%
72 Months
▼
APR3.99%
Term72 Months
Last UpdatedJul 6, 2026
Details
90% Financing
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.28%
Pre-Owned Auto Loans
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedJul 7, 2026
Details
APR with Auto Pay As Low As*
St Anthony Of Padua Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.37%
Used Auto Loans - with 15% down
4.10%
Maximum term to 48 months
▼
APR4.10%
TermMaximum term to 48 months
Last UpdatedJun 23, 2026
Details
As Low As; Payment Per $1000: $22.63
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
New / Used Auto Loans
4.24%
60 months
▼
APR4.24%
Term60 months
Last UpdatedJul 6, 2026
Details
As Low As; 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%
New / Used Auto Loans 2022 - 2021
4.24%
60 months
▼
APR4.24%
Term60 months
Last UpdatedJul 6, 2026
Details
As Low As; 1.00% discount for automatic monthly payment; All rates are subject to change without notice.
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
New / Used Auto Loans 2026 - 2023
4.24%
60 months
▼
APR4.24%
Term60 months
Last UpdatedJul 6, 2026
Details
As Low As; 1.00% discount for automatic monthly payment; All rates are subject to change without notice.
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.18%
New** and Used Vehicle Loan
4.24%
Up to 48 Months
▼
APR4.24%
TermUp to 48 Months
Last UpdatedJul 7, 2026
Details
As low as 4.24% up to 7.99%
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.18%
Used Vehicle (2022-2024 Models) Loan
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedJul 7, 2026
Details
As low as 7.99%
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.18%
New** and Used Vehicle Loan
4.49%
49 - 71 Months
▼
APR4.49%
Term49 - 71 Months
Last UpdatedJul 7, 2026
Details
As low as 4.49% up to 8.24%
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.18%
Used Vehicle (2022-2024 Models) Loan
4.49%
2024 Mo
▼
APR4.49%
Term2024 Mo
Last UpdatedJul 7, 2026
Details
As low as 8.24%
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.28%
Pre-Owned Auto Loans
4.50%
37 - 48 months
▼
APR4.50%
Term37 - 48 months
Last UpdatedJul 7, 2026
Details
APR with Auto Pay As Low As*
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto
4.59%
Up to 60 months
▼
APR4.59%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
As low as
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
New / Used Auto Loans
4.74%
72 months
▼
APR4.74%
Term72 months
Last UpdatedJul 6, 2026
Details
As Low As; 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%
New / Used Auto Loans 2020 & Older
4.74%
60 months
▼
APR4.74%
Term60 months
Last UpdatedJul 6, 2026
Details
As Low As; 1.00% discount for automatic monthly payment; All rates are subject to change without notice.
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
New / Used Auto Loans 2026 - 2023
4.74%
72 months
▼
APR4.74%
Term72 months
Last UpdatedJul 6, 2026
Details
As Low As; 1.00% discount for automatic monthly payment; All rates are subject to change without notice.
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.18%
New** and Used Vehicle Loan
4.74%
72 - 84 Months
▼
APR4.74%
Term72 - 84 Months
Last UpdatedJul 7, 2026
Details
As low as 4.74% up to 8.74%
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.18%
Used Vehicle (2022-2024 Models) Loan
4.74%
2024 Mo
▼
APR4.74%
Term2024 Mo
Last UpdatedJul 7, 2026
Details
As low as 8.74%
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.28%
Pre-Owned Auto Loans
4.75%
49 - 72 months
▼
APR4.75%
Term49 - 72 months
Last UpdatedJul 7, 2026
Details
APR with Auto Pay As Low As*
Malden Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
Used Auto (Under 4 Years Old)
4.95%
4 Years
▼
APR4.95%
Term4 Years
Last UpdatedJun 23, 2026
Details
As Low As; Maximum Amount: 100.00%
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
Used Autos 2022 - 2024
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedJul 6, 2026
Details
90% Financing
Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.60%
New/Used Auto (Model Years 2024-2026)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedJul 7, 2026
Details
Rates as low as; **
Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.60%
Used Auto (Model Years < 2024)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedJul 7, 2026
Details
Rates as low as; **
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto WITH Direct Deposit
4.99%
3 Years
▼
APR4.99%
Term3 Years
Last UpdatedJul 7, 2026
Details
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.18%
Used Vehicle Loan
4.99%
Up to 36 Months
▼
APR4.99%
TermUp to 36 Months
Last UpdatedJul 7, 2026
Details
As low as 4.99% up to 8.99%
New Bedford Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.21%
Used Auto - 2021 - 2019 models
5.20%
36 months
▼
APR5.20%
Term36 months
Last UpdatedJul 7, 2026
Details
As Low As; 100% financing available
New Bedford Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.21%
Used Auto - 2024 - 2022 models
5.20%
36 months
▼
APR5.20%
Term36 months
Last UpdatedJul 7, 2026
Details
As Low As
Leominster Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
New / Used Auto Loans
5.24%
84 months
▼
APR5.24%
Term84 months
Last UpdatedJul 6, 2026
Details
As Low As; 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%
New / Used Auto Loans 2026 - 2023
5.24%
84 months
▼
APR5.24%
Term84 months
Last UpdatedJul 6, 2026
Details
As Low As; 1.00% discount for automatic monthly payment; All rates are subject to change without notice.
Common Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Vehicle New/Used Finance up to 120% of the Value of the vehicle Loan
5.24%
Up to 60 Months
▼
APR5.24%
TermUp to 60 Months
Last UpdatedJul 6, 2026
Details
As Low As; Year: 2024-2026; Loan Amount: Maximum $100,000
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 7.09%
Used Auto
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedJul 7, 2026
Details
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Used Autos
5.25%
24 Months
▼
APR5.25%
Term24 Months
Last UpdatedJul 6, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto WITH Direct Deposit
5.25%
4 Years
▼
APR5.25%
Term4 Years
Last UpdatedJul 7, 2026
Details
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 7.09%
Used Auto
5.38%
72 Months
▼
APR5.38%
Term72 Months
Last UpdatedJul 7, 2026
Details
Malden Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
Used Auto (Over 4 Years Old; No More Than 10 Years)
5.45%
4 Years
▼
APR5.45%
Term4 Years
Last UpdatedJun 23, 2026
Details
As Low As; Maximum Amount: 100.00%
Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Auto Loans - Used
5.49%
Up to 60 months
▼
APR5.49%
TermUp to 60 months
Last UpdatedJun 23, 2026
Details
Vehicle Years: 2022 - 2025
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
Used Auto (Years 2021 - 2024) Direct Deposit Auto Pay - Up to 60 months
5.49%
Up to 60 months
▼
APR5.49%
TermUp to 60 months
Last UpdatedJun 23, 2026
Details
Estimated payment per $1,000.00 is $19.10 based on 60 months
Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.60%
New/Used Auto (Model Years 2024-2026)
5.49%
72 months
▼
APR5.49%
Term72 months
Last UpdatedJul 7, 2026
Details
Rates as low as; **
Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.60%
Used Auto (Model Years 2021-2023)
5.49%
72 months
▼
APR5.49%
Term72 months
Last UpdatedJul 7, 2026
Details
Rates as low as; **
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto WITH Direct Deposit
5.49%
5 Years
▼
APR5.49%
Term5 Years
Last UpdatedJul 7, 2026
Details
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.18%
Used Vehicle 2020 Loan
5.49%
Up to 36 Months
▼
APR5.49%
TermUp to 36 Months
Last UpdatedJul 7, 2026
Details
As low as 5.49% up to 9.24%
Somerset Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
New & Used Auto Loan
5.50%
12 Months to 72 Months
▼
APR5.50%
Term12 Months to 72 Months
Last UpdatedJun 26, 2026
Details
As Low As
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Used Autos
5.50%
36 Months
▼
APR5.50%
Term36 Months
Last UpdatedJul 6, 2026
Details
Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Auto Loans - Used
5.74%
Up to 60 months
▼
APR5.74%
TermUp to 60 months
Last UpdatedJun 23, 2026
Details
Vehicle Years: 2018 - 2021
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
Used Auto (Years 2021 - 2024) Without Direct Deposit Auto Pay - Up to 60 months
5.74%
Up to 60 months
▼
APR5.74%
TermUp to 60 months
Last UpdatedJun 23, 2026
Details
Estimated payment per $1,000.00 is $19.22 based on 60 months
Common Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Vehicle New/Used Finance up to 120% of the Value of the vehicle Loan
5.74%
Up to 61-84 Months
▼
APR5.74%
TermUp to 61-84 Months
Last UpdatedJul 6, 2026
Details
As Low As; Year: 2024-2026; Loan Amount: Maximum $100,000
Newburyport Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
Used Vehicles Loan
5.75%
48 Months
▼
APR5.75%
Term48 Months
Last UpdatedJun 23, 2026
Details
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Used Autos
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedJul 6, 2026
Details
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 7.09%
Used Mobility Vehicle Loan
5.75%
36 Months
▼
APR5.75%
Term36 Months
Last UpdatedJul 7, 2026
Details
Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Auto Loans - Used
5.99%
72 months
▼
APR5.99%
Term72 months
Last UpdatedJun 23, 2026
Details
Vehicle Years: 2022 - 2025
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
Used Auto (Years 2021 - 2024) Direct Deposit Auto Pay for 61-84 months
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedJun 23, 2026
Details
Estimated payment per $1,000.00 is $14.61 based on 84 months
St Anthony Of Padua Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.37%
Used Auto Loans - with 15% down (Maximum term to 48 months, Vehicles 1 - 5 years old)
5.99%
48 months
▼
APR5.99%
Term48 months
Last UpdatedJun 23, 2026
Details
As Low As; Vehicles 1 - 5 years old
Morton Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
Used Cars Loan
5.99%
up to 6 years
▼
APR5.99%
Termup to 6 years
Last UpdatedJun 26, 2026
Details
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
Used Autos 2019 - 2021
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedJul 6, 2026
Details
90% Financing
Common Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Vehicle Used Finance up to 120% of the Value of the vehicle Loan
5.99%
Up to 60 Months
▼
APR5.99%
TermUp to 60 Months
Last UpdatedJul 6, 2026
Details
As Low As; Year: 2019-2023; Loan Amount: Maximum $75,000
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto
5.99%
3 Years
▼
APR5.99%
Term3 Years
Last UpdatedJul 7, 2026
Details
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.18%
Used Vehicle 2019 Loan
5.99%
Up to 36 Months
▼
APR5.99%
TermUp to 36 Months
Last UpdatedJul 7, 2026
Details
As low as 5.99% up to 9.74%
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.18%
Used Vehicle 2020 Loan
5.99%
37 - 48 Months
▼
APR5.99%
Term37 - 48 Months
Last UpdatedJul 7, 2026
Details
As low as 5.99% up to 9.49%
Newburyport Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
Used Vehicles Loan
6.00%
60 Months
▼
APR6.00%
Term60 Months
Last UpdatedJun 23, 2026
Details
Lowell Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Used Vehicles 2010 - 2023 Loan
6.10%
6 year(s)
▼
APR6.10%
Term6 year(s)
Last UpdatedJul 6, 2026
Details
Tier 1; Credit Score 700-850; Debt Ratio 42 %; MAX $ 85,000
New England Teamsters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.03%
Used Auto Loan
6.24%
3 Year Term
▼
APR6.24%
Term3 Year Term
Last UpdatedJun 16, 2026
Details
As Low As; Age of Vehicle: 2018 - 2022
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
Used Auto (Years 2021 - 2024) Without Direct Deposit Auto Pay for 61-84 months
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedJun 23, 2026
Details
Estimated payment per $1,000.00 is $14.73 based on 84 months
Common Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Vehicle Used*** Finance up to 120% of the Value of the vehicle Loan
6.24%
Up to 60 Months
▼
APR6.24%
TermUp to 60 Months
Last UpdatedJul 6, 2026
Details
As Low As; Maximum $75,000; Year: 2019-2023
City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.18%
Used Vehicle 2019 Loan
6.24%
37 - 48 Months
▼
APR6.24%
Term37 - 48 Months
Last UpdatedJul 7, 2026
Details
As low as 6.24% up to 9.99%
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loans: Used Vehicle
6.25%
5 Years
▼
APR6.25%
Term5 Years
Last UpdatedJul 5, 2026
Details
New Bedford Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.21%
Used Auto - 2024 - 2022 models
6.25%
75 months
▼
APR6.25%
Term75 months
Last UpdatedJul 7, 2026
Details
As Low As
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto
6.25%
4 Years
▼
APR6.25%
Term4 Years
Last UpdatedJul 7, 2026
Details
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.59%
Used Automobile
6.49%
12-72 months
▼
APR6.49%
Term12-72 months
Last UpdatedJul 6, 2026
Details
Up To $50,000; 90% NADA value; Years 2020-2026
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.65%
Used Auto 4 Year term
6.49%
48 Months
▼
APR6.49%
Term48 Months
Last UpdatedJul 7, 2026
Details
As Low As
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto
6.49%
5 Years
▼
APR6.49%
Term5 Years
Last UpdatedJul 7, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto WITH Direct Deposit
6.49%
6 Years
▼
APR6.49%
Term6 Years
Last UpdatedJul 7, 2026
Details
Dean Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
Used Cars Loan
6.50%
24 Months
▼
APR6.50%
Term24 Months
Last UpdatedJun 16, 2026
Details
As Low As
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 7.09%
Used Mobility Vehicle Loan
6.50%
72 Months
▼
APR6.50%
Term72 Months
Last UpdatedJul 7, 2026
Details
Methuen Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
Used Auto
6.62%
24 mo.
▼
APR6.62%
Term24 mo.
Last UpdatedJun 22, 2026
Details
New England Teamsters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.03%
Used Auto Loan
6.74%
4 Year Term
▼
APR6.74%
Term4 Year Term
Last UpdatedJun 16, 2026
Details
As Low As; Age of Vehicle: 2018 - 2022
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.65%
Used Auto 5 Year term
6.74%
60 Months
▼
APR6.74%
Term60 Months
Last UpdatedJul 7, 2026
Details
As Low As
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto WITH Direct Deposit
6.74%
7 Years
▼
APR6.74%
Term7 Years
Last UpdatedJul 7, 2026
Details
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 7.09%
Used Auto
6.74%
84 Months
▼
APR6.74%
Term84 Months
Last UpdatedJul 7, 2026
Details
Methuen Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
Used Auto
6.75%
36 mo.
▼
APR6.75%
Term36 mo.
Last UpdatedJun 22, 2026
Details
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
Used Auto (Years 2018 - 2020) Direct Deposit Auto Pay
6.75%
Up to 60 months
▼
APR6.75%
TermUp to 60 months
Last UpdatedJun 23, 2026
Details
Estimated payment per $1,000.00 is $19.69 based on 60 months
Lowell Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Used Vehicles 2010 - 2023 Loan
6.85%
6 year(s)
▼
APR6.85%
Term6 year(s)
Last UpdatedJul 6, 2026
Details
Tier 2; Credit Score 600-699; Debt Ratio 38 %; MAX $ 85,000
Methuen Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
Used Auto
6.88%
48 mo.
▼
APR6.88%
Term48 mo.
Last UpdatedJun 22, 2026
Details
Somerville Municipal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.92%
Used Vehicle Loans 2021 - 2023
6.99%
Up to 72 months
▼
APR6.99%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details
As Low As; $30,000 min for 72 mos
Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Auto Loans - Used
6.99%
84 months
▼
APR6.99%
Term84 months
Last UpdatedJun 23, 2026
Details
Vehicle Years: 2022 - 2025
St Anthony Of Padua Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.37%
Used Auto Loans - with 15% down (Maximum term to 48 months, Vehicles 6 years or older)
6.99%
48 months
▼
APR6.99%
Term48 months
Last UpdatedJun 23, 2026
Details
As Low As; Vehicles 6 years or older
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
Used Autos 2016 - 2018
6.99%
60 Months
▼
APR6.99%
Term60 Months
Last UpdatedJul 6, 2026
Details
90% Financing
Common Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Vehicle Used Finance up to 80% of the Value of the vehicle Loan
6.99%
Up to 36 Months
▼
APR6.99%
TermUp to 36 Months
Last UpdatedJul 6, 2026
Details
As Low As; Year: 2009-2018; Loan Amount: Maximum $50,000
Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.60%
New/Used Auto (Model Years 2022-2026)
6.99%
84 months
▼
APR6.99%
Term84 months
Last UpdatedJul 7, 2026
Details
Rates as low as; **
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.65%
Used Auto 6 Year term
6.99%
72 Months
▼
APR6.99%
Term72 Months
Last UpdatedJul 7, 2026
Details
As Low As
New Bedford Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.21%
Used Auto - 2024 - 2022 models
6.99%
84 months
▼
APR6.99%
Term84 months
Last UpdatedJul 7, 2026
Details
As Low As
Lee Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
New / Used Vehicle (2023-2026) Loan
7.00%
72 mo.
▼
APR7.00%
Term72 mo.
Last UpdatedJun 23, 2026
Details
0.25% discount with Lee Bank Relationship and Autopayment
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
Used Auto (Years 2018 - 2020) Without Direct Deposit Auto Pay
7.00%
Up to 60 months
▼
APR7.00%
TermUp to 60 months
Last UpdatedJun 23, 2026
Details
Estimated payment per $1,000.00 is $19.81 based on 60 months
Lowell Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Used Vehicles 2010 - 2023 Loan
7.10%
6 year(s)
▼
APR7.10%
Term6 year(s)
Last UpdatedJul 6, 2026
Details
Tier 3; Credit Score 500-599; Debt Ratio 32 %; MAX $ 85,000
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.65%
Used Auto 7 Year term
7.24%
84 Months
▼
APR7.24%
Term84 Months
Last UpdatedJul 7, 2026
Details
As Low As
Dean Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
Used Cars Loan
7.25%
48 Months
▼
APR7.25%
Term48 Months
Last UpdatedJun 16, 2026
Details
As Low As
Reading Co-op Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
New or Used Auto Loans - 48 Months
7.25%
48 Months
▼
APR7.25%
Term48 Months
Last UpdatedJun 22, 2026
Details
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MonitorBankRates
Southampton, MA Auto Loan Rate Trends
Compare local Southampton, MA auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New Auto Loan — MA Avg
6.432%
▼ 0.044 vs 7 days ago
Massachusetts new auto rates fell 0.044 points over the past 7 days to 6.432% APR.
Used Auto Loan — MA Avg
7.237%
▼ 0.105 vs 7 days ago
Massachusetts used auto rates fell 0.105 points over the past 7 days to 7.237% APR.
As of Jul 7, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Southampton, Massachusetts auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Southampton, Massachusetts directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Southampton, Massachusetts. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in MA.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Southampton, 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 Southampton, 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 Southampton, 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 Southampton, Massachusetts?
Based on our current data, some of the lowest auto loan rates available in Southampton, Massachusetts include:
- St Anthony Of Padua Federal Credit Union: 3.10% (Used Auto Loans - with 15% down)
- American Airlines Federal Credit Union: 3.34% (New Auto)
- Chelsea Employees Federal Credit Union: 3.99% (New Autos)
- Quincy Credit Union: 3.99% (New Auto Loans)
- PIONEER VALLEY: 3.99% (Vehicle Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Southampton, Massachusetts. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: July 7, 2026
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