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Auto Loan Rates in Wakefield, Massachusetts (MA) for May 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

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| i Editorial Disclosure
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 Wakefield, Massachusetts. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates — Last Updated and Verified: May 12, 2026

Current auto loan rates in Wakefield, Massachusetts include Stoneham Municipal Employees Federal Credit UnionStoneham Municipal Employees Federal Credit Union47 Tuttle St, Wakefield, MA, 01880A+5.0 ★Texas Ratio: 3.62% offering New Automobile at 5.25%, Savings Bank Wakefield, MASavings Bank Wakefield, MA357 Main St, Wakefield, MA, 01880A+5.0 ★Texas Ratio: 2.32% offering New Auto - Maximum Loan Amount Model Year 2026 with 500 miles or less at 7.00%, Reading Co-op BankReading Co-op Bank342 Main St, Wakefield, MA, 01880A+5.0 ★Texas Ratio: 0.28% offering Auto Loans - New1or Used2 at 7.25%, St Anthony Of Padua Federal Credit UnionSt Anthony Of Padua Federal Credit UnionA+5.0 ★Texas Ratio: 5.41% offering Used Auto Loans - with 15% down at 3.10%, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% offering Auto Loans at 3.24%. Auto loan rates as of May 12, 2026 according to verified data from MonitorBankRates.

Wakefield has 3 local institutions in our database, with auto loan rates as low as 5.25% APR from Stoneham Municipal Employees Federal Credit Union at 47 Tuttle St, Wakefield, MA, 01880. 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 Wakefield, Massachusetts. Auto Loan Rates Last Updated and Verified: May 12, 2026

Compare Auto Loan Rates Today in Wakefield, Massachusetts & Surrounding Area

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
47 Tuttle St, Wakefield, MA, 01880
New Automobile
5.25%
1-48
View
▼
APR5.25%
Term1-48
Last UpdatedMay 7, 2026
Details

Up To $60,000; 100% NADA value; Years 2025-2026; Maximum mileage up to 8,000

Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
47 Tuttle St, Wakefield, MA, 01880
New Automobile
5.99%
49-72
View
▼
APR5.99%
Term49-72
Last UpdatedMay 7, 2026
Details

Up To $60,000; 100% NADA value; Years 2025-2026; Maximum mileage up to 8,000

Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
47 Tuttle St, Wakefield, MA, 01880
Used Automobile
6.49%
12-72
View
▼
APR6.49%
Term12-72
Last UpdatedMay 7, 2026
Details

Up To $50,000; 90% NADA value; Years 2020-2026

Savings Bank Wakefield, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
357 Main St, Wakefield, MA, 01880
New Auto - Maximum Loan Amount Model Year 2026 with 500 miles or less
7.00%
4 Months
View
▼
APR7.00%
Term4 Months
Last UpdatedMay 5, 2026
Details

$50,000

Reading Co-op Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
342 Main St, Wakefield, MA, 01880
Auto Loans - New1or Used2
7.25%
48 Months
View
▼
APR7.25%
Term48 Months
Last UpdatedMay 5, 2026
Details

Savings Bank Wakefield, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
357 Main St, Wakefield, MA, 01880
New Auto - Maximum Loan Amount Model Year 2026 with 500 miles or less
7.50%
5 Months
View
▼
APR7.50%
Term5 Months
Last UpdatedMay 5, 2026
Details

$50,000

Savings Bank Wakefield, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
357 Main St, Wakefield, MA, 01880
New Auto - Maximum Loan Amount Model Year 2026 with 500 miles or less
8.00%
6 Months
View
▼
APR8.00%
Term6 Months
Last UpdatedMay 5, 2026
Details

$50,000

Reading Co-op Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
342 Main St, Wakefield, MA, 01880
Auto Loans - New1or Used2
8.00%
60 Months
View
▼
APR8.00%
Term60 Months
Last UpdatedMay 5, 2026
Details

Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
47 Tuttle St, Wakefield, MA, 01880
Older Used Automobile
8.00%
1-48
View
▼
APR8.00%
Term1-48
Last UpdatedMay 7, 2026
Details

Up To $30,000; 75% NADA value; Years 2017-2019

Savings Bank Wakefield, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
357 Main St, Wakefield, MA, 01880
Used Auto - Maximum Loan Amount Model years 2022 - 2025
8.50%
4 Months
View
▼
APR8.50%
Term4 Months
Last UpdatedMay 5, 2026
Details

$30,000

Savings Bank Wakefield, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
357 Main St, Wakefield, MA, 01880
Used Auto - Maximum Loan Amount Model years 2022 - 2025
8.75%
5 Months
View
▼
APR8.75%
Term5 Months
Last UpdatedMay 5, 2026
Details

$30,000

Reading Co-op Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
342 Main St, Wakefield, MA, 01880
Auto Loans - New1or Used2
8.75%
72 Months
View
▼
APR8.75%
Term72 Months
Last UpdatedMay 5, 2026
Details

Reading Co-op Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
342 Main St, Wakefield, MA, 01880
Auto Loans - New1or Used2
9.50%
48 Months
View
▼
APR9.50%
Term48 Months
Last UpdatedMay 5, 2026
Details

Reading Co-op Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
342 Main St, Wakefield, MA, 01880
Auto Loans - New1or Used2
9.75%
60 Months
View
▼
APR9.75%
Term60 Months
Last UpdatedMay 5, 2026
Details

Reading Co-op Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
342 Main St, Wakefield, MA, 01880
Auto Loans - New1or Used2
11.00%
36 Months
View
▼
APR11.00%
Term36 Months
Last UpdatedMay 5, 2026
Details

St Anthony Of Padua Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
Used Auto Loans - with 15% down
3.10%
36 Months
View
▼
APR3.10%
Term36 Months
Last UpdatedMay 6, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.24%
Auto Buying Service
View
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMay 12, 2026
Details

As Low As; APR - 2026 & Newer

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
View
▼
APR3.74%
TermUp to 36 Months
Last UpdatedMay 7, 2026
Details

As Low As

TEWKSBURY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Vehicle Loans
3.79%
36 Months
View
▼
APR3.79%
Term36 Months
Last UpdatedMay 12, 2026
Details

As Low As

Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
New Autos
3.99%
72 Months
View
▼
APR3.99%
Term72 Months
Last UpdatedMay 6, 2026
Details

90% Financing

Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Used Autos 2025 - 2026
3.99%
72 Months
View
▼
APR3.99%
Term72 Months
Last UpdatedMay 6, 2026
Details

90% Financing

Plymouth County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
New Auto Loan
3.99%
65 Months
View
▼
APR3.99%
Term65 Months
Last UpdatedMay 7, 2026
Details

As Low As

Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
New Auto Loans
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedMay 12, 2026
Details

As Low As; APR with Auto Pay

Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
Pre-Owned Auto Loans
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedMay 12, 2026
Details

As Low As; APR with Auto Pay

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.99%
0 - 75 Months
View
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMay 12, 2026
Details

As Low As; APR - 2026 & Newer

PIONEER VALLEY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Vehicle Loan
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedMay 12, 2026
Details

As Low As

St Anthony Of Padua Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
Used Auto Loans - with 15% down
4.10%
48 Months
View
▼
APR4.10%
Term48 Months
Last UpdatedMay 6, 2026
Details

As Low As

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
View
▼
APR4.24%
TermUp to 36 Months
Last UpdatedMay 7, 2026
Details

As Low As

City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
New and Used Vehicle Loan
4.24%
48 Months
View
▼
APR4.24%
Term48 Months
Last UpdatedMay 12, 2026
Details

As Low As; Maximum borrowed $150,000; Model Years 2025-2026

City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
Used Vehicle Loan Model Years 2022-2024
4.24%
36 Months
View
▼
APR4.24%
Term36 Months
Last UpdatedMay 12, 2026
Details

As Low As; Maximum borrowed $150,000

Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
New Auto Loans
4.38%
48 Months
View
▼
APR4.38%
Term48 Months
Last UpdatedMay 12, 2026
Details

As Low As; APR with Auto Pay

Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
Pre-Owned Auto Loans
4.38%
48 Months
View
▼
APR4.38%
Term48 Months
Last UpdatedMay 12, 2026
Details

As Low As; APR with Auto Pay

Albright Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.81%
New Auto Loans
4.44%
60 Months
View
▼
APR4.44%
Term60 Months
Last UpdatedMay 12, 2026
Details

As Low As; Model year: 2025 or newer with less than 7,000 miles; Up to 100% financing available

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
View
▼
APR4.49%
TermUp to 60 months
Last UpdatedMay 7, 2026
Details

As Low As

City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
New and Used Vehicle Loan
4.49%
71 Months
View
▼
APR4.49%
Term71 Months
Last UpdatedMay 12, 2026
Details

As Low As; Maximum borrowed $150,000; Model Years 2025-2026

City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
Used Vehicle Loan Model Years 2022-2024
4.49%
60 Months
View
▼
APR4.49%
Term60 Months
Last UpdatedMay 12, 2026
Details

As Low As; Maximum borrowed $150,000

St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Car Loans 2025-2026 Models or newer
4.49%
24 Months
View
▼
APR4.49%
Term24 Months
Last UpdatedMay 12, 2026
Details

Annual Percentage Rate (APR) effective 4/1/26. 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.

Mass Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New < 25K miles Auto Loan
4.49%
60 Months
View
▼
APR4.49%
Term60 Months
Last UpdatedMay 12, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.49%
Auto Buying Service
View
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMay 12, 2026
Details

As Low As; APR - 2023 - 2025*

Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
New Car (2025 - 2026)
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedMay 6, 2026
Details

Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
New Auto Loans
4.62%
72 Months
View
▼
APR4.62%
Term72 Months
Last UpdatedMay 12, 2026
Details

As Low As; APR with Auto Pay

Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
Pre-Owned Auto Loans
4.62%
72 Months
View
▼
APR4.62%
Term72 Months
Last UpdatedMay 12, 2026
Details

As Low As; APR with Auto Pay

Albright Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.81%
New Auto Loans
4.64%
72 Months
View
▼
APR4.64%
Term72 Months
Last UpdatedMay 12, 2026
Details

As Low As; Up to 100% financing available

Albright Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.81%
Used Auto Loans
4.64%
48 Months
View
▼
APR4.64%
Term48 Months
Last UpdatedMay 12, 2026
Details

As Low As; Model years: 2023 or newer (and 2025 with more than 7,000 miles; Up to 100% financing available

City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
New and Used Vehicle Loan
4.74%
84 Months
View
▼
APR4.74%
Term84 Months
Last UpdatedMay 12, 2026
Details

As Low As; Maximum borrowed $150,000; Model Years 2025-2026

City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
Used Vehicle Loan Model Years 2022-2024
4.74%
72 Months
View
▼
APR4.74%
Term72 Months
Last UpdatedMay 12, 2026
Details

As Low As; Maximum borrowed $150,000

St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Used Car Loans 2023-2024 Models
4.74%
24 Months
View
▼
APR4.74%
Term24 Months
Last UpdatedMay 12, 2026
Details

Mass Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto Loans
4.74%
72 Months
View
▼
APR4.74%
Term72 Months
Last UpdatedMay 12, 2026
Details

New < 25K miles

Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Used Car (2022 - 2024)
4.75%
36 Months
View
▼
APR4.75%
Term36 Months
Last UpdatedMay 6, 2026
Details

Brookline Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
New Auto
4.75%
Up to 24 mos.
View
▼
APR4.75%
TermUp to 24 mos.
Last UpdatedMay 10, 2026
Details

Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
New Auto Loans
4.88%
84 Months
View
▼
APR4.88%
Term84 Months
Last UpdatedMay 12, 2026
Details

As Low As; APR with Auto Pay

Malden Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
New Auto
4.95%
2 - 5 Years
View
▼
APR4.95%
Term2 - 5 Years
Last UpdatedMay 6, 2026
Details

As Low As

Malden Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
Used Auto (Under 4 Years Old)
4.95%
4 Years
View
▼
APR4.95%
Term4 Years
Last UpdatedMay 6, 2026
Details

As Low As

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loans: New Vehicle
4.99%
4 Years
View
▼
APR4.99%
Term4 Years
Last UpdatedMay 4, 2026
Details

Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Used Autos 2022 - 2024
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedMay 6, 2026
Details

90% Financing

St Anthony Of Padua Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
New Auto Loans
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 6, 2026
Details

As Low As; Maximum term to 60 months

Norfolk Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.97%
Auto Loans NEW
4.99%
72 months
View
▼
APR4.99%
Term72 months
Last UpdatedMay 6, 2026
Details

As Low As; Maximum Amount: $65,000

Plymouth County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
New Auto Loan
4.99%
75 Months
View
▼
APR4.99%
Term75 Months
Last UpdatedMay 7, 2026
Details

As Low As

Health Alliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
New Car Loans
4.99%
36-60
View
▼
APR4.99%
Term36-60
Last UpdatedMay 7, 2026
Details

As Low As

Health Alliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
Used Car Loans (2023,2024)
4.99%
36-60
View
▼
APR4.99%
Term36-60
Last UpdatedMay 7, 2026
Details

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 7, 2026
Details

As Low As

Morton Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
New Cars
4.99%
up to 7 years
View
▼
APR4.99%
Termup to 7 years
Last UpdatedMay 7, 2026
Details

Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Car Loan Refinance Special
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedMay 7, 2026
Details

As Low As

Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.20%
Auto Loans
4.99%
36 months
View
▼
APR4.99%
Term36 months
Last UpdatedMay 10, 2026
Details

As Low As

Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.20%
New/Used Auto (Model Years 2024-2026)
4.99%
36 months
View
▼
APR4.99%
Term36 months
Last UpdatedMay 10, 2026
Details

As Low As

Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.20%
Used Auto (Model Years < 2024)
4.99%
36 months
View
▼
APR4.99%
Term36 months
Last UpdatedMay 10, 2026
Details

As Low As

New Bedford Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.29%
New Auto - 2025 and newer models
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedMay 10, 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
View
▼
APR4.99%
Term3 Years
Last UpdatedMay 12, 2026
Details

Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Auto Loans
4.99%
Up to 63 Months
View
▼
APR4.99%
TermUp to 63 Months
Last UpdatedMay 12, 2026
Details

St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Car Loans 2025-2026 Models or newer
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedMay 12, 2026
Details

Annual Percentage Rate (APR) effective 4/1/26. 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.

Homefield Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.48%
Auto Loan
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedMay 12, 2026
Details

As Low As

Mass Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used > 25K miles Auto Loan
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 12, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.99%
0 - 75 Months
View
▼
APR4.99%
Term0 - 75 Months
Last UpdatedMay 12, 2026
Details

As Low As; APR - 2023 - 2025*

Tremont Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.31%
Auto Loans (2025-2026 Model Years)
4.99%
6 to 60
View
▼
APR4.99%
Term6 to 60
Last UpdatedMay 12, 2026
Details

PIONEER VALLEY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Vehicle Loan
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedMay 12, 2026
Details

As Low As

Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
New Car (2025 - 2026)
5.00%
48 Months
View
▼
APR5.00%
Term48 Months
Last UpdatedMay 6, 2026
Details

Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
New Automobile Loans
5.00%
24 Months
View
▼
APR5.00%
Term24 Months
Last UpdatedMay 7, 2026
Details

LTV MAX: 100%; FICO Score: Platinum 720+

Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
Used Automobile Loans
5.00%
24 Months
View
▼
APR5.00%
Term24 Months
Last UpdatedMay 7, 2026
Details

LTV MAX: 100%; FICO Score: Platinum 720+

Brookline Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
New Auto
5.00%
36 mos.
View
▼
APR5.00%
Term36 mos.
Last UpdatedMay 10, 2026
Details

New Bedford Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.29%
Used Auto - 2021 - 2019 models
5.20%
36 Months
View
▼
APR5.20%
Term36 Months
Last UpdatedMay 10, 2026
Details

As Low As; 100% financing available

New Bedford Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.29%
Used Auto - 2024 - 2022 models
5.20%
36 Months
View
▼
APR5.20%
Term36 Months
Last UpdatedMay 10, 2026
Details

As Low As; 100% financing available

Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
Auto Loans (2025 - Newer)
5.24%
84 Months
View
▼
APR5.24%
Term84 Months
Last UpdatedMay 6, 2026
Details

Direct Deposit Auto Pay

St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Car Loans 2025-2026 Models or newer
5.24%
84 Months
View
▼
APR5.24%
Term84 Months
Last UpdatedMay 12, 2026
Details

Annual Percentage Rate (APR) effective 4/1/26. 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%
Used Car Loans 2021-2022 Models
5.24%
24 Months
View
▼
APR5.24%
Term24 Months
Last UpdatedMay 12, 2026
Details

St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Used Car Loans 2023-2024 Models
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedMay 12, 2026
Details

Mass Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto Loans
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedMay 12, 2026
Details

Used > 25K miles

Tremont Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.31%
Auto Loans (2025-2026 Model Years)
5.24%
61 to 72
View
▼
APR5.24%
Term61 to 72
Last UpdatedMay 12, 2026
Details

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loans: New Vehicle
5.25%
5 Years
View
▼
APR5.25%
Term5 Years
Last UpdatedMay 4, 2026
Details

Pentucket Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
Auto Loan
5.25%
48 Months
View
▼
APR5.25%
Term48 Months
Last UpdatedMay 5, 2026
Details

Newburyport Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
New Vehicles
5.25%
48 Months
View
▼
APR5.25%
Term48 Months
Last UpdatedMay 5, 2026
Details

Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Older Used Car (2019 - 2023)
5.25%
36 Months
View
▼
APR5.25%
Term36 Months
Last UpdatedMay 6, 2026
Details

Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
New Automobile Loans
5.25%
24 Months
View
▼
APR5.25%
Term24 Months
Last UpdatedMay 7, 2026
Details

LTV MAX: 90%; FICO Score: B 679-660

Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
Used Automobile Loans
5.25%
24 Months
View
▼
APR5.25%
Term24 Months
Last UpdatedMay 7, 2026
Details

LTV MAX: 90%; FICO Score: B 679-660

Brookline Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
New Auto
5.25%
72 mos.
View
▼
APR5.25%
Term72 mos.
Last UpdatedMay 10, 2026
Details

Brookline Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
Used Auto
5.25%
Up to 48 mos.
View
▼
APR5.25%
TermUp to 48 mos.
Last UpdatedMay 10, 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
View
▼
APR5.25%
Term4 Years
Last UpdatedMay 12, 2026
Details

MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 18.63%
New Auto
5.25%
60 Months
View
▼
APR5.25%
Term60 Months
Last UpdatedMay 12, 2026
Details

Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Car Loans - New And Used
5.39%
36 Months
View
▼
APR5.39%
Term36 Months
Last UpdatedMay 7, 2026
Details

As Low As; Car Model Years 2023 - 2026

Direct Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Auto Loan 2022-2026
5.44%
63 Months
View
▼
APR5.44%
Term63 Months
Last UpdatedMay 6, 2026
Details

As Low As

Direct Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Vehicle Loan
5.44%
up to 63
View
▼
APR5.44%
Termup to 63
Last UpdatedMay 6, 2026
Details

As Low As; New and used vehicles; Purchase, refinance, lease buyout; Finance up to 120% of vehicle value

Malden Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
Used Auto (Over 4 Years Old; No More Than 10 Years)
5.45%
4 Years
View
▼
APR5.45%
Term4 Years
Last UpdatedMay 6, 2026
Details

As Low As

Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Auto Loans - New
5.49%
Up to 60 months
View
▼
APR5.49%
TermUp to 60 months
Last UpdatedMay 5, 2026
Details

Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
Auto Loans (2025 - Newer)
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedMay 6, 2026
Details

Without Direct Deposit Auto Pay

Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
Used Auto (Years 2021 - 2024)
5.49%
60 Months
View
▼
APR5.49%
Term60 Months
Last UpdatedMay 6, 2026
Details

Direct Deposit Auto Pay

Plymouth County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
New Auto Loan
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedMay 7, 2026
Details

As Low As

Health Alliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
New Car Loans
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedMay 7, 2026
Details

Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Car Loans - New And Used
5.49%
36 Months
View
▼
APR5.49%
Term36 Months
Last UpdatedMay 7, 2026
Details

As Low As

Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.20%
Auto Loans
5.49%
72 months
View
▼
APR5.49%
Term72 months
Last UpdatedMay 10, 2026
Details

As Low As

Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.20%
New/Used Auto (Model Years 2024-2026)
5.49%
72 months
View
▼
APR5.49%
Term72 months
Last UpdatedMay 10, 2026
Details

As Low As

Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.20%
Used Auto (Model Years 2021-2023)
5.49%
72 months
View
▼
APR5.49%
Term72 months
Last UpdatedMay 10, 2026
Details

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
View
▼
APR5.49%
Term5 Years
Last UpdatedMay 12, 2026
Details

City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
Used Vehicle Loan
5.49%
36 Months
View
▼
APR5.49%
Term36 Months
Last UpdatedMay 12, 2026
Details

As Low As; Maximum borrowed $50,000

St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Used Car Loans 2021-2022 Models
5.49%
60 Months
View
▼
APR5.49%
Term60 Months
Last UpdatedMay 12, 2026
Details

Tremont Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.31%
Auto Loans (2022-2024 Model Years)
5.49%
6 to 60
View
▼
APR5.49%
Term6 to 60
Last UpdatedMay 12, 2026
Details

MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 18.63%
Used Auto
5.49%
60 Months
View
▼
APR5.49%
Term60 Months
Last UpdatedMay 12, 2026
Details

PIONEER VALLEY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Vehicle Loan
5.49%
66 Months
View
▼
APR5.49%
Term66 Months
Last UpdatedMay 12, 2026
Details

As Low As

Bank of Easton
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
Auto Loans
5.50%
12-60
View
▼
APR5.50%
Term12-60
Last UpdatedMay 5, 2026
Details

Pentucket Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
Auto Loan
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedMay 5, 2026
Details

Newburyport Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
New Vehicles
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedMay 5, 2026
Details

Newburyport Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
Used Vehicles
5.50%
48 Months
View
▼
APR5.50%
Term48 Months
Last UpdatedMay 5, 2026
Details

Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
New Car (2025 - 2026)
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedMay 6, 2026
Details

Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Used Car (2022 - 2024)
5.50%
48 Months
View
▼
APR5.50%
Term48 Months
Last UpdatedMay 6, 2026
Details

Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
New Automobile Loans
5.50%
24 Months
View
▼
APR5.50%
Term24 Months
Last UpdatedMay 7, 2026
Details

LTV MAX: 80%; FICO Score: C 659-640

Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
Used Automobile Loans
5.50%
24 Months
View
▼
APR5.50%
Term24 Months
Last UpdatedMay 7, 2026
Details

LTV MAX: 80%; FICO Score: C 659-640

Brookline Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
Used Auto
5.50%
60 mos.
View
▼
APR5.50%
Term60 mos.
Last UpdatedMay 10, 2026
Details

MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 18.63%
Used Auto
5.63%
72 Months
View
▼
APR5.63%
Term72 Months
Last UpdatedMay 12, 2026
Details

Albright Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.81%
New Auto Loans
5.64%
84 Months
View
▼
APR5.64%
Term84 Months
Last UpdatedMay 12, 2026
Details

As Low As; Up to 100% financing available

Albright Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.81%
Used Auto Loans
5.64%
72 Months
View
▼
APR5.64%
Term72 Months
Last UpdatedMay 12, 2026
Details

As Low As; Up to 100% financing available

Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Auto Loans - New
5.74%
72 months
View
▼
APR5.74%
Term72 months
Last UpdatedMay 5, 2026
Details

Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Auto Loans - Used
5.74%
Up to 60 months
View
▼
APR5.74%
TermUp to 60 months
Last UpdatedMay 5, 2026
Details

Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
Used Auto (Years 2021 - 2024)
5.74%
60 Months
View
▼
APR5.74%
Term60 Months
Last UpdatedMay 6, 2026
Details

Without Direct Deposit Auto Pay

Direct Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Auto Loan 2020-2021
5.74%
63 Months
View
▼
APR5.74%
Term63 Months
Last UpdatedMay 6, 2026
Details

As Low As

St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Used Car Loans 2023-2024 Models
5.74%
84 Months
View
▼
APR5.74%
Term84 Months
Last UpdatedMay 12, 2026
Details

Dean Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
New Cars
5.75%
36 Months
View
▼
APR5.75%
Term36 Months
Last UpdatedMay 5, 2026
Details

As Low As

Pentucket Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
Auto Loan
5.75%
72 Months
View
▼
APR5.75%
Term72 Months
Last UpdatedMay 5, 2026
Details

Newburyport Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
New Vehicles
5.75%
72 Months
View
▼
APR5.75%
Term72 Months
Last UpdatedMay 5, 2026
Details

Newburyport Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
Used Vehicles
5.75%
60 Months
View
▼
APR5.75%
Term60 Months
Last UpdatedMay 5, 2026
Details

Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
New Autos
5.75%
24 Months
View
▼
APR5.75%
Term24 Months
Last UpdatedMay 6, 2026
Details

Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Older Used Car (2019 - 2023)
5.75%
48 Months
View
▼
APR5.75%
Term48 Months
Last UpdatedMay 6, 2026
Details

Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
New Automobile Loans
5.75%
24 Months
View
▼
APR5.75%
Term24 Months
Last UpdatedMay 7, 2026
Details

LTV MAX: 70%; FICO Score: D 639-620

Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
Used Automobile Loans
5.75%
24 Months
View
▼
APR5.75%
Term24 Months
Last UpdatedMay 7, 2026
Details

LTV MAX: 70%; FICO Score: D 639-620

New Bedford Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.29%
New Auto - 2025 and newer models
5.75%
75 Months
View
▼
APR5.75%
Term75 Months
Last UpdatedMay 10, 2026
Details

As Low As

Brookline Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
Used Auto
5.75%
72 mos.
View
▼
APR5.75%
Term72 mos.
Last UpdatedMay 10, 2026
Details

MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 18.63%
New Auto
5.75%
72 Months
View
▼
APR5.75%
Term72 Months
Last UpdatedMay 12, 2026
Details

Direct Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Auto Loan 2020-2021
5.84%
66 Months
View
▼
APR5.84%
Term66 Months
Last UpdatedMay 6, 2026
Details

As Low As

Direct Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Auto Loan 2022-2026
5.89%
66 Months
View
▼
APR5.89%
Term66 Months
Last UpdatedMay 6, 2026
Details

As Low As

Albright Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.81%
Used Auto Loans
5.90%
36 Months
View
▼
APR5.90%
Term36 Months
Last UpdatedMay 12, 2026
Details

As Low As; Model years: 2021 -2022 (older considered on case by case basis); Up to 100% financing available

Direct Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Auto Loan 2020-2021
5.94%
75 Months
View
▼
APR5.94%
Term75 Months
Last UpdatedMay 6, 2026
Details

As Low As

Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Car Loans - New And Used Car Model Year 2021
5.94%
36 Months
View
▼
APR5.94%
Term36 Months
Last UpdatedMay 7, 2026
Details

As Low As

Fall River Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
Used Auto (2022-2024)
5.95%
60 Months
View
▼
APR5.95%
Term60 Months
Last UpdatedMay 12, 2026
Details

Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Auto Loans - Used
5.99%
72 months
View
▼
APR5.99%
Term72 months
Last UpdatedMay 5, 2026
Details

Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Used Autos 2019 - 2021
5.99%
72 Months
View
▼
APR5.99%
Term72 Months
Last UpdatedMay 6, 2026
Details

90% Financing

Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
Used Auto (Years 2021 - 2024)
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedMay 6, 2026
Details

Direct Deposit Auto Pay

St Anthony Of Padua Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
Used Auto Loans - with 15% down
5.99%
48 Months
View
▼
APR5.99%
Term48 Months
Last UpdatedMay 6, 2026
Details

As Low As; Maximum term to 48 months; Vehicles 1 - 5 years old

Health Alliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
Used Car Loans (2020,2021,2022)
5.99%
36-60
View
▼
APR5.99%
Term36-60
Last UpdatedMay 7, 2026
Details

Health Alliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
Used Car Loans (2023,2024)
5.99%
72 Months
View
▼
APR5.99%
Term72 Months
Last UpdatedMay 7, 2026
Details

Morton Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
Used Cars
5.99%
up to 6 years
View
▼
APR5.99%
Termup to 6 years
Last UpdatedMay 7, 2026
Details

Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Car Loans - New And Used
5.99%
72 Months
View
▼
APR5.99%
Term72 Months
Last UpdatedMay 7, 2026
Details

As Low As; Car Model Years 2023 - 2026

Massachusetts Family Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
New Vehicle
5.99%
60 month
View
▼
APR5.99%
Term60 month
Last UpdatedMay 10, 2026
Details

Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto WITHOUT Direct Deposit
5.99%
3 Years
View
▼
APR5.99%
Term3 Years
Last UpdatedMay 12, 2026
Details

City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
Used Vehicle Loan
5.99%
48 Months
View
▼
APR5.99%
Term48 Months
Last UpdatedMay 12, 2026
Details

As Low As; Maximum borrowed $50,000

St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Used Car Loans 2021-2022 Models
5.99%
72 Months
View
▼
APR5.99%
Term72 Months
Last UpdatedMay 12, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
5.99%
76 - 84 Months
View
▼
APR5.99%
Term76 - 84 Months
Last UpdatedMay 12, 2026
Details

As Low As; APR - 2023 - 2025*

PIONEER VALLEY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Vehicle Loan
5.99%
72 Months
View
▼
APR5.99%
Term72 Months
Last UpdatedMay 12, 2026
Details

As Low As

Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
New Autos
6.00%
36 Months
View
▼
APR6.00%
Term36 Months
Last UpdatedMay 6, 2026
Details

Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
Used Autos
6.00%
24 Months
View
▼
APR6.00%
Term24 Months
Last UpdatedMay 6, 2026
Details

Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
New Car (2025 - 2026)
6.00%
72 Months
View
▼
APR6.00%
Term72 Months
Last UpdatedMay 6, 2026
Details

Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Used Car (2022 - 2024)
6.00%
60 Months
View
▼
APR6.00%
Term60 Months
Last UpdatedMay 6, 2026
Details

Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
New Automobile Loans
6.00%
24 Months
View
▼
APR6.00%
Term24 Months
Last UpdatedMay 7, 2026
Details

LTV MAX: 60%; FICO Score: E < 619

Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
Used Automobile Loans
6.00%
24 Months
View
▼
APR6.00%
Term24 Months
Last UpdatedMay 7, 2026
Details

LTV MAX: 60%; FICO Score: E < 619

New Bedford Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.29%
New Auto - 2025 and newer models
6.00%
84 Months
View
▼
APR6.00%
Term84 Months
Last UpdatedMay 10, 2026
Details

As Low As

Methuen Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
New Auto
6.12%
24 mo.
View
▼
APR6.12%
Term24 mo.
Last UpdatedMay 5, 2026
Details

(7)

Albright Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.81%
Used Auto Loans
6.15%
48 Months
View
▼
APR6.15%
Term48 Months
Last UpdatedMay 12, 2026
Details

As Low As; Up to 100% financing available

Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
Used Auto (Years 2021 - 2024)
6.24%
84 Months
View
▼
APR6.24%
Term84 Months
Last UpdatedMay 6, 2026
Details

Without Direct Deposit Auto Pay

First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Auto
6.24%
48 Months
View
▼
APR6.24%
Term48 Months
Last UpdatedMay 10, 2026
Details

As Low As

First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Auto 4 Year term
6.24%
48 Months
View
▼
APR6.24%
Term48 Months
Last UpdatedMay 10, 2026
Details

As Low As

Tremont Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.31%
Auto Loans (2025-2026 Model Years)
6.24%
73 to 84
View
▼
APR6.24%
Term73 to 84
Last UpdatedMay 12, 2026
Details

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loans: Used Vehicle
6.25%
5 Years
View
▼
APR6.25%
Term5 Years
Last UpdatedMay 4, 2026
Details

Dean Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
New Cars
6.25%
48 Months
View
▼
APR6.25%
Term48 Months
Last UpdatedMay 5, 2026
Details

As Low As

Methuen Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
New Auto
6.25%
36 mo.
View
▼
APR6.25%
Term36 mo.
Last UpdatedMay 5, 2026
Details

Bank of Easton
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
Auto Loans
6.25%
12-48
View
▼
APR6.25%
Term12-48
Last UpdatedMay 5, 2026
Details

Country Bank for Savings
Institution Rating:
A5.0 ★ Texas Ratio: 7.70%
Auto Loan
6.25%
60 Months
View
▼
APR6.25%
Term60 Months
Last UpdatedMay 5, 2026
Details

Year of Vehicle: 2024-2026

Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
Used Autos
6.25%
36 Months
View
▼
APR6.25%
Term36 Months
Last UpdatedMay 6, 2026
Details

Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Older Used Car (2019 - 2023)
6.25%
60 Months
View
▼
APR6.25%
Term60 Months
Last UpdatedMay 6, 2026
Details

New Bedford Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.29%
Used Auto - 2024 - 2022 models
6.25%
75 Months
View
▼
APR6.25%
Term75 Months
Last UpdatedMay 10, 2026
Details

As Low As; 100% financing available

Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto WITHOUT Direct Deposit
6.25%
4 Years
View
▼
APR6.25%
Term4 Years
Last UpdatedMay 12, 2026
Details

Direct Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Auto Loan 2018-2019
6.29%
60 Months
View
▼
APR6.29%
Term60 Months
Last UpdatedMay 6, 2026
Details

As Low As

Methuen Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
New Auto
6.38%
48 mo.
View
▼
APR6.38%
Term48 mo.
Last UpdatedMay 5, 2026
Details

Direct Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Auto Loan 2018-2019
6.44%
66 Months
View
▼
APR6.44%
Term66 Months
Last UpdatedMay 6, 2026
Details

As Low As

Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Car Loans - New And Used Car Model Year 2021
6.44%
72 Months
View
▼
APR6.44%
Term72 Months
Last UpdatedMay 7, 2026
Details

As Low As

First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Auto
6.49%
60 Months
View
▼
APR6.49%
Term60 Months
Last UpdatedMay 10, 2026
Details

As Low As

First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Auto 5 Year term
6.49%
60 Months
View
▼
APR6.49%
Term60 Months
Last UpdatedMay 10, 2026
Details

As Low As

First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Used Auto
6.49%
48 Months
View
▼
APR6.49%
Term48 Months
Last UpdatedMay 10, 2026
Details

As Low As

Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto WITH Direct Deposit
6.49%
6 Years
View
▼
APR6.49%
Term6 Years
Last UpdatedMay 12, 2026
Details

Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto WITHOUT Direct Deposit
6.49%
5 Years
View
▼
APR6.49%
Term5 Years
Last UpdatedMay 12, 2026
Details

PIONEER VALLEY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Vehicle Loan
6.49%
78 Months
View
▼
APR6.49%
Term78 Months
Last UpdatedMay 12, 2026
Details

As Low As

Dean Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
Used Cars
6.50%
24 Months
View
▼
APR6.50%
Term24 Months
Last UpdatedMay 5, 2026
Details

As Low As

Methuen Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
New Auto
6.50%
60 mo.
View
▼
APR6.50%
Term60 mo.
Last UpdatedMay 5, 2026
Details

Webster Five Cents Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New Cars (2024 - 2027)
6.50%
36 Months
View
▼
APR6.50%
Term36 Months
Last UpdatedMay 5, 2026
Details

As Low As

Country Bank for Savings
Institution Rating:
A5.0 ★ Texas Ratio: 7.70%
Auto Loan
6.50%
72 Months
View
▼
APR6.50%
Term72 Months
Last UpdatedMay 5, 2026
Details

Year of Vehicle: 2024-2026

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
47 Tuttle St, Wakefield, MA, 01880
New Automobile
5.25%
1-48
View
▼
APR5.25%
Term1-48
Last UpdatedMay 7, 2026
Details

Up To $60,000; 100% NADA value; Years 2025-2026; Maximum mileage up to 8,000

Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
47 Tuttle St, Wakefield, MA, 01880
New Automobile
5.99%
49-72
View
▼
APR5.99%
Term49-72
Last UpdatedMay 7, 2026
Details

Up To $60,000; 100% NADA value; Years 2025-2026; Maximum mileage up to 8,000

Savings Bank Wakefield, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
357 Main St, Wakefield, MA, 01880
New Auto - Maximum Loan Amount Model Year 2026 with 500 miles or less
7.00%
4 Months
View
▼
APR7.00%
Term4 Months
Last UpdatedMay 5, 2026
Details

$50,000

Reading Co-op Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
342 Main St, Wakefield, MA, 01880
Auto Loans - New1or Used2
7.25%
48 Months
View
▼
APR7.25%
Term48 Months
Last UpdatedMay 5, 2026
Details

Savings Bank Wakefield, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
357 Main St, Wakefield, MA, 01880
New Auto - Maximum Loan Amount Model Year 2026 with 500 miles or less
7.50%
5 Months
View
▼
APR7.50%
Term5 Months
Last UpdatedMay 5, 2026
Details

$50,000

Savings Bank Wakefield, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
357 Main St, Wakefield, MA, 01880
New Auto - Maximum Loan Amount Model Year 2026 with 500 miles or less
8.00%
6 Months
View
▼
APR8.00%
Term6 Months
Last UpdatedMay 5, 2026
Details

$50,000

Reading Co-op Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
342 Main St, Wakefield, MA, 01880
Auto Loans - New1or Used2
8.00%
60 Months
View
▼
APR8.00%
Term60 Months
Last UpdatedMay 5, 2026
Details

Reading Co-op Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
342 Main St, Wakefield, MA, 01880
Auto Loans - New1or Used2
8.75%
72 Months
View
▼
APR8.75%
Term72 Months
Last UpdatedMay 5, 2026
Details

Reading Co-op Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
342 Main St, Wakefield, MA, 01880
Auto Loans - New1or Used2
9.50%
48 Months
View
▼
APR9.50%
Term48 Months
Last UpdatedMay 5, 2026
Details

Reading Co-op Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
342 Main St, Wakefield, MA, 01880
Auto Loans - New1or Used2
9.75%
60 Months
View
▼
APR9.75%
Term60 Months
Last UpdatedMay 5, 2026
Details

Reading Co-op Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
342 Main St, Wakefield, MA, 01880
Auto Loans - New1or Used2
11.00%
36 Months
View
▼
APR11.00%
Term36 Months
Last UpdatedMay 5, 2026
Details

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
View
▼
APR3.74%
TermUp to 36 Months
Last UpdatedMay 7, 2026
Details

As Low As

TEWKSBURY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Vehicle Loans
3.79%
36 Months
View
▼
APR3.79%
Term36 Months
Last UpdatedMay 12, 2026
Details

As Low As

Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
New Autos
3.99%
72 Months
View
▼
APR3.99%
Term72 Months
Last UpdatedMay 6, 2026
Details

90% Financing

Plymouth County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
New Auto Loan
3.99%
65 Months
View
▼
APR3.99%
Term65 Months
Last UpdatedMay 7, 2026
Details

As Low As

Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
New Auto Loans
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedMay 12, 2026
Details

As Low As; APR with Auto Pay

City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
New and Used Vehicle Loan
4.24%
48 Months
View
▼
APR4.24%
Term48 Months
Last UpdatedMay 12, 2026
Details

As Low As; Maximum borrowed $150,000; Model Years 2025-2026

Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
New Auto Loans
4.38%
48 Months
View
▼
APR4.38%
Term48 Months
Last UpdatedMay 12, 2026
Details

As Low As; APR with Auto Pay

Albright Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.81%
New Auto Loans
4.44%
60 Months
View
▼
APR4.44%
Term60 Months
Last UpdatedMay 12, 2026
Details

As Low As; Model year: 2025 or newer with less than 7,000 miles; Up to 100% financing available

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
View
▼
APR4.49%
TermUp to 60 months
Last UpdatedMay 7, 2026
Details

As Low As

City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
New and Used Vehicle Loan
4.49%
71 Months
View
▼
APR4.49%
Term71 Months
Last UpdatedMay 12, 2026
Details

As Low As; Maximum borrowed $150,000; Model Years 2025-2026

St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Car Loans 2025-2026 Models or newer
4.49%
24 Months
View
▼
APR4.49%
Term24 Months
Last UpdatedMay 12, 2026
Details

Annual Percentage Rate (APR) effective 4/1/26. 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.

Mass Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New < 25K miles Auto Loan
4.49%
60 Months
View
▼
APR4.49%
Term60 Months
Last UpdatedMay 12, 2026
Details

Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
New Car (2025 - 2026)
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedMay 6, 2026
Details

Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
New Auto Loans
4.62%
72 Months
View
▼
APR4.62%
Term72 Months
Last UpdatedMay 12, 2026
Details

As Low As; APR with Auto Pay

Albright Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.81%
New Auto Loans
4.64%
72 Months
View
▼
APR4.64%
Term72 Months
Last UpdatedMay 12, 2026
Details

As Low As; Up to 100% financing available

City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
New and Used Vehicle Loan
4.74%
84 Months
View
▼
APR4.74%
Term84 Months
Last UpdatedMay 12, 2026
Details

As Low As; Maximum borrowed $150,000; Model Years 2025-2026

Mass Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto Loans
4.74%
72 Months
View
▼
APR4.74%
Term72 Months
Last UpdatedMay 12, 2026
Details

New < 25K miles

Brookline Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
New Auto
4.75%
Up to 24 mos.
View
▼
APR4.75%
TermUp to 24 mos.
Last UpdatedMay 10, 2026
Details

Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
New Auto Loans
4.88%
84 Months
View
▼
APR4.88%
Term84 Months
Last UpdatedMay 12, 2026
Details

As Low As; APR with Auto Pay

Malden Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
New Auto
4.95%
2 - 5 Years
View
▼
APR4.95%
Term2 - 5 Years
Last UpdatedMay 6, 2026
Details

As Low As

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loans: New Vehicle
4.99%
4 Years
View
▼
APR4.99%
Term4 Years
Last UpdatedMay 4, 2026
Details

St Anthony Of Padua Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
New Auto Loans
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 6, 2026
Details

As Low As; Maximum term to 60 months

Norfolk Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.97%
Auto Loans NEW
4.99%
72 months
View
▼
APR4.99%
Term72 months
Last UpdatedMay 6, 2026
Details

As Low As; Maximum Amount: $65,000

Plymouth County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
New Auto Loan
4.99%
75 Months
View
▼
APR4.99%
Term75 Months
Last UpdatedMay 7, 2026
Details

As Low As

Health Alliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
New Car Loans
4.99%
36-60
View
▼
APR4.99%
Term36-60
Last UpdatedMay 7, 2026
Details

As Low As

Morton Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
New Cars
4.99%
up to 7 years
View
▼
APR4.99%
Termup to 7 years
Last UpdatedMay 7, 2026
Details

Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.20%
New/Used Auto (Model Years 2024-2026)
4.99%
36 months
View
▼
APR4.99%
Term36 months
Last UpdatedMay 10, 2026
Details

As Low As

New Bedford Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.29%
New Auto - 2025 and newer models
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedMay 10, 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
View
▼
APR4.99%
Term3 Years
Last UpdatedMay 12, 2026
Details

St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Car Loans 2025-2026 Models or newer
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedMay 12, 2026
Details

Annual Percentage Rate (APR) effective 4/1/26. 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.

Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
New Car (2025 - 2026)
5.00%
48 Months
View
▼
APR5.00%
Term48 Months
Last UpdatedMay 6, 2026
Details

Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
New Automobile Loans
5.00%
24 Months
View
▼
APR5.00%
Term24 Months
Last UpdatedMay 7, 2026
Details

LTV MAX: 100%; FICO Score: Platinum 720+

Brookline Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
New Auto
5.00%
36 mos.
View
▼
APR5.00%
Term36 mos.
Last UpdatedMay 10, 2026
Details

Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
Auto Loans (2025 - Newer)
5.24%
84 Months
View
▼
APR5.24%
Term84 Months
Last UpdatedMay 6, 2026
Details

Direct Deposit Auto Pay

St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Car Loans 2025-2026 Models or newer
5.24%
84 Months
View
▼
APR5.24%
Term84 Months
Last UpdatedMay 12, 2026
Details

Annual Percentage Rate (APR) effective 4/1/26. 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.

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loans: New Vehicle
5.25%
5 Years
View
▼
APR5.25%
Term5 Years
Last UpdatedMay 4, 2026
Details

Newburyport Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
New Vehicles
5.25%
48 Months
View
▼
APR5.25%
Term48 Months
Last UpdatedMay 5, 2026
Details

Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
New Automobile Loans
5.25%
24 Months
View
▼
APR5.25%
Term24 Months
Last UpdatedMay 7, 2026
Details

LTV MAX: 90%; FICO Score: B 679-660

Brookline Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
New Auto
5.25%
72 mos.
View
▼
APR5.25%
Term72 mos.
Last UpdatedMay 10, 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
View
▼
APR5.25%
Term4 Years
Last UpdatedMay 12, 2026
Details

MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 18.63%
New Auto
5.25%
60 Months
View
▼
APR5.25%
Term60 Months
Last UpdatedMay 12, 2026
Details

Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Car Loans - New And Used
5.39%
36 Months
View
▼
APR5.39%
Term36 Months
Last UpdatedMay 7, 2026
Details

As Low As; Car Model Years 2023 - 2026

Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Auto Loans - New
5.49%
Up to 60 months
View
▼
APR5.49%
TermUp to 60 months
Last UpdatedMay 5, 2026
Details

Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
Auto Loans (2025 - Newer)
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedMay 6, 2026
Details

Without Direct Deposit Auto Pay

Plymouth County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
New Auto Loan
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedMay 7, 2026
Details

As Low As

Health Alliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
New Car Loans
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedMay 7, 2026
Details

Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Car Loans - New And Used
5.49%
36 Months
View
▼
APR5.49%
Term36 Months
Last UpdatedMay 7, 2026
Details

As Low As

Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.20%
New/Used Auto (Model Years 2024-2026)
5.49%
72 months
View
▼
APR5.49%
Term72 months
Last UpdatedMay 10, 2026
Details

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
View
▼
APR5.49%
Term5 Years
Last UpdatedMay 12, 2026
Details

Newburyport Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
New Vehicles
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedMay 5, 2026
Details

Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
New Car (2025 - 2026)
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedMay 6, 2026
Details

Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
New Automobile Loans
5.50%
24 Months
View
▼
APR5.50%
Term24 Months
Last UpdatedMay 7, 2026
Details

LTV MAX: 80%; FICO Score: C 659-640

Albright Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.81%
New Auto Loans
5.64%
84 Months
View
▼
APR5.64%
Term84 Months
Last UpdatedMay 12, 2026
Details

As Low As; Up to 100% financing available

Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Auto Loans - New
5.74%
72 months
View
▼
APR5.74%
Term72 months
Last UpdatedMay 5, 2026
Details

Dean Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
New Cars
5.75%
36 Months
View
▼
APR5.75%
Term36 Months
Last UpdatedMay 5, 2026
Details

As Low As

Newburyport Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
New Vehicles
5.75%
72 Months
View
▼
APR5.75%
Term72 Months
Last UpdatedMay 5, 2026
Details

Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
New Autos
5.75%
24 Months
View
▼
APR5.75%
Term24 Months
Last UpdatedMay 6, 2026
Details

Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
New Automobile Loans
5.75%
24 Months
View
▼
APR5.75%
Term24 Months
Last UpdatedMay 7, 2026
Details

LTV MAX: 70%; FICO Score: D 639-620

New Bedford Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.29%
New Auto - 2025 and newer models
5.75%
75 Months
View
▼
APR5.75%
Term75 Months
Last UpdatedMay 10, 2026
Details

As Low As

MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 18.63%
New Auto
5.75%
72 Months
View
▼
APR5.75%
Term72 Months
Last UpdatedMay 12, 2026
Details

Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Car Loans - New And Used Car Model Year 2021
5.94%
36 Months
View
▼
APR5.94%
Term36 Months
Last UpdatedMay 7, 2026
Details

As Low As

Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Car Loans - New And Used
5.99%
72 Months
View
▼
APR5.99%
Term72 Months
Last UpdatedMay 7, 2026
Details

As Low As; Car Model Years 2023 - 2026

Massachusetts Family Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
New Vehicle
5.99%
60 month
View
▼
APR5.99%
Term60 month
Last UpdatedMay 10, 2026
Details

Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto WITHOUT Direct Deposit
5.99%
3 Years
View
▼
APR5.99%
Term3 Years
Last UpdatedMay 12, 2026
Details

Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
New Autos
6.00%
36 Months
View
▼
APR6.00%
Term36 Months
Last UpdatedMay 6, 2026
Details

Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
New Car (2025 - 2026)
6.00%
72 Months
View
▼
APR6.00%
Term72 Months
Last UpdatedMay 6, 2026
Details

Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
New Automobile Loans
6.00%
24 Months
View
▼
APR6.00%
Term24 Months
Last UpdatedMay 7, 2026
Details

LTV MAX: 60%; FICO Score: E < 619

New Bedford Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.29%
New Auto - 2025 and newer models
6.00%
84 Months
View
▼
APR6.00%
Term84 Months
Last UpdatedMay 10, 2026
Details

As Low As

Methuen Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
New Auto
6.12%
24 mo.
View
▼
APR6.12%
Term24 mo.
Last UpdatedMay 5, 2026
Details

(7)

First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Auto
6.24%
48 Months
View
▼
APR6.24%
Term48 Months
Last UpdatedMay 10, 2026
Details

As Low As

First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Auto 4 Year term
6.24%
48 Months
View
▼
APR6.24%
Term48 Months
Last UpdatedMay 10, 2026
Details

As Low As

Dean Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
New Cars
6.25%
48 Months
View
▼
APR6.25%
Term48 Months
Last UpdatedMay 5, 2026
Details

As Low As

Methuen Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
New Auto
6.25%
36 mo.
View
▼
APR6.25%
Term36 mo.
Last UpdatedMay 5, 2026
Details

Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto WITHOUT Direct Deposit
6.25%
4 Years
View
▼
APR6.25%
Term4 Years
Last UpdatedMay 12, 2026
Details

Methuen Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
New Auto
6.38%
48 mo.
View
▼
APR6.38%
Term48 mo.
Last UpdatedMay 5, 2026
Details

Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Car Loans - New And Used Car Model Year 2021
6.44%
72 Months
View
▼
APR6.44%
Term72 Months
Last UpdatedMay 7, 2026
Details

As Low As

First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Auto
6.49%
60 Months
View
▼
APR6.49%
Term60 Months
Last UpdatedMay 10, 2026
Details

As Low As

First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Auto 5 Year term
6.49%
60 Months
View
▼
APR6.49%
Term60 Months
Last UpdatedMay 10, 2026
Details

As Low As

Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto WITH Direct Deposit
6.49%
6 Years
View
▼
APR6.49%
Term6 Years
Last UpdatedMay 12, 2026
Details

Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto WITHOUT Direct Deposit
6.49%
5 Years
View
▼
APR6.49%
Term5 Years
Last UpdatedMay 12, 2026
Details

Methuen Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
New Auto
6.50%
60 mo.
View
▼
APR6.50%
Term60 mo.
Last UpdatedMay 5, 2026
Details

Webster Five Cents Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New Cars (2024 - 2027)
6.50%
36 Months
View
▼
APR6.50%
Term36 Months
Last UpdatedMay 5, 2026
Details

As Low As

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
47 Tuttle St, Wakefield, MA, 01880
Used Automobile
6.49%
12-72
View
▼
APR6.49%
Term12-72
Last UpdatedMay 7, 2026
Details

Up To $50,000; 90% NADA value; Years 2020-2026

Reading Co-op Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
342 Main St, Wakefield, MA, 01880
Auto Loans - New1or Used2
7.25%
48 Months
View
▼
APR7.25%
Term48 Months
Last UpdatedMay 5, 2026
Details

Reading Co-op Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
342 Main St, Wakefield, MA, 01880
Auto Loans - New1or Used2
8.00%
60 Months
View
▼
APR8.00%
Term60 Months
Last UpdatedMay 5, 2026
Details

Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
47 Tuttle St, Wakefield, MA, 01880
Older Used Automobile
8.00%
1-48
View
▼
APR8.00%
Term1-48
Last UpdatedMay 7, 2026
Details

Up To $30,000; 75% NADA value; Years 2017-2019

Savings Bank Wakefield, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
357 Main St, Wakefield, MA, 01880
Used Auto - Maximum Loan Amount Model years 2022 - 2025
8.50%
4 Months
View
▼
APR8.50%
Term4 Months
Last UpdatedMay 5, 2026
Details

$30,000

Savings Bank Wakefield, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
357 Main St, Wakefield, MA, 01880
Used Auto - Maximum Loan Amount Model years 2022 - 2025
8.75%
5 Months
View
▼
APR8.75%
Term5 Months
Last UpdatedMay 5, 2026
Details

$30,000

Reading Co-op Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
342 Main St, Wakefield, MA, 01880
Auto Loans - New1or Used2
8.75%
72 Months
View
▼
APR8.75%
Term72 Months
Last UpdatedMay 5, 2026
Details

Reading Co-op Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
342 Main St, Wakefield, MA, 01880
Auto Loans - New1or Used2
9.50%
48 Months
View
▼
APR9.50%
Term48 Months
Last UpdatedMay 5, 2026
Details

Reading Co-op Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
342 Main St, Wakefield, MA, 01880
Auto Loans - New1or Used2
9.75%
60 Months
View
▼
APR9.75%
Term60 Months
Last UpdatedMay 5, 2026
Details

Reading Co-op Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
342 Main St, Wakefield, MA, 01880
Auto Loans - New1or Used2
11.00%
36 Months
View
▼
APR11.00%
Term36 Months
Last UpdatedMay 5, 2026
Details

St Anthony Of Padua Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
Used Auto Loans - with 15% down
3.10%
36 Months
View
▼
APR3.10%
Term36 Months
Last UpdatedMay 6, 2026
Details

As Low As

TEWKSBURY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Vehicle Loans
3.79%
36 Months
View
▼
APR3.79%
Term36 Months
Last UpdatedMay 12, 2026
Details

As Low As

Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Used Autos 2025 - 2026
3.99%
72 Months
View
▼
APR3.99%
Term72 Months
Last UpdatedMay 6, 2026
Details

90% Financing

Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
Pre-Owned Auto Loans
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedMay 12, 2026
Details

As Low As; APR with Auto Pay

St Anthony Of Padua Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
Used Auto Loans - with 15% down
4.10%
48 Months
View
▼
APR4.10%
Term48 Months
Last UpdatedMay 6, 2026
Details

As Low As

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
View
▼
APR4.24%
TermUp to 36 Months
Last UpdatedMay 7, 2026
Details

As Low As

City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
New and Used Vehicle Loan
4.24%
48 Months
View
▼
APR4.24%
Term48 Months
Last UpdatedMay 12, 2026
Details

As Low As; Maximum borrowed $150,000; Model Years 2025-2026

City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
Used Vehicle Loan Model Years 2022-2024
4.24%
36 Months
View
▼
APR4.24%
Term36 Months
Last UpdatedMay 12, 2026
Details

As Low As; Maximum borrowed $150,000

Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
Pre-Owned Auto Loans
4.38%
48 Months
View
▼
APR4.38%
Term48 Months
Last UpdatedMay 12, 2026
Details

As Low As; APR with Auto Pay

City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
New and Used Vehicle Loan
4.49%
71 Months
View
▼
APR4.49%
Term71 Months
Last UpdatedMay 12, 2026
Details

As Low As; Maximum borrowed $150,000; Model Years 2025-2026

City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
Used Vehicle Loan Model Years 2022-2024
4.49%
60 Months
View
▼
APR4.49%
Term60 Months
Last UpdatedMay 12, 2026
Details

As Low As; Maximum borrowed $150,000

Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
Pre-Owned Auto Loans
4.62%
72 Months
View
▼
APR4.62%
Term72 Months
Last UpdatedMay 12, 2026
Details

As Low As; APR with Auto Pay

Albright Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.81%
Used Auto Loans
4.64%
48 Months
View
▼
APR4.64%
Term48 Months
Last UpdatedMay 12, 2026
Details

As Low As; Model years: 2023 or newer (and 2025 with more than 7,000 miles; Up to 100% financing available

City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
New and Used Vehicle Loan
4.74%
84 Months
View
▼
APR4.74%
Term84 Months
Last UpdatedMay 12, 2026
Details

As Low As; Maximum borrowed $150,000; Model Years 2025-2026

City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
Used Vehicle Loan Model Years 2022-2024
4.74%
72 Months
View
▼
APR4.74%
Term72 Months
Last UpdatedMay 12, 2026
Details

As Low As; Maximum borrowed $150,000

St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Used Car Loans 2023-2024 Models
4.74%
24 Months
View
▼
APR4.74%
Term24 Months
Last UpdatedMay 12, 2026
Details

Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Used Car (2022 - 2024)
4.75%
36 Months
View
▼
APR4.75%
Term36 Months
Last UpdatedMay 6, 2026
Details

Malden Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
Used Auto (Under 4 Years Old)
4.95%
4 Years
View
▼
APR4.95%
Term4 Years
Last UpdatedMay 6, 2026
Details

As Low As

Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Used Autos 2022 - 2024
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedMay 6, 2026
Details

90% Financing

Health Alliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
Used Car Loans (2023,2024)
4.99%
36-60
View
▼
APR4.99%
Term36-60
Last UpdatedMay 7, 2026
Details

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 7, 2026
Details

As Low As

Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.20%
New/Used Auto (Model Years 2024-2026)
4.99%
36 months
View
▼
APR4.99%
Term36 months
Last UpdatedMay 10, 2026
Details

As Low As

Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.20%
Used Auto (Model Years < 2024)
4.99%
36 months
View
▼
APR4.99%
Term36 months
Last UpdatedMay 10, 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
View
▼
APR4.99%
Term3 Years
Last UpdatedMay 12, 2026
Details

Mass Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used > 25K miles Auto Loan
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 12, 2026
Details

Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
Used Automobile Loans
5.00%
24 Months
View
▼
APR5.00%
Term24 Months
Last UpdatedMay 7, 2026
Details

LTV MAX: 100%; FICO Score: Platinum 720+

New Bedford Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.29%
Used Auto - 2021 - 2019 models
5.20%
36 Months
View
▼
APR5.20%
Term36 Months
Last UpdatedMay 10, 2026
Details

As Low As; 100% financing available

New Bedford Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.29%
Used Auto - 2024 - 2022 models
5.20%
36 Months
View
▼
APR5.20%
Term36 Months
Last UpdatedMay 10, 2026
Details

As Low As; 100% financing available

St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Used Car Loans 2021-2022 Models
5.24%
24 Months
View
▼
APR5.24%
Term24 Months
Last UpdatedMay 12, 2026
Details

St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Used Car Loans 2023-2024 Models
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedMay 12, 2026
Details

Mass Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto Loans
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedMay 12, 2026
Details

Used > 25K miles

Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Older Used Car (2019 - 2023)
5.25%
36 Months
View
▼
APR5.25%
Term36 Months
Last UpdatedMay 6, 2026
Details

Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
Used Automobile Loans
5.25%
24 Months
View
▼
APR5.25%
Term24 Months
Last UpdatedMay 7, 2026
Details

LTV MAX: 90%; FICO Score: B 679-660

Brookline Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
Used Auto
5.25%
Up to 48 mos.
View
▼
APR5.25%
TermUp to 48 mos.
Last UpdatedMay 10, 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
View
▼
APR5.25%
Term4 Years
Last UpdatedMay 12, 2026
Details

Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Car Loans - New And Used
5.39%
36 Months
View
▼
APR5.39%
Term36 Months
Last UpdatedMay 7, 2026
Details

As Low As; Car Model Years 2023 - 2026

Malden Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
Used Auto (Over 4 Years Old; No More Than 10 Years)
5.45%
4 Years
View
▼
APR5.45%
Term4 Years
Last UpdatedMay 6, 2026
Details

As Low As

Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
Used Auto (Years 2021 - 2024)
5.49%
60 Months
View
▼
APR5.49%
Term60 Months
Last UpdatedMay 6, 2026
Details

Direct Deposit Auto Pay

Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Car Loans - New And Used
5.49%
36 Months
View
▼
APR5.49%
Term36 Months
Last UpdatedMay 7, 2026
Details

As Low As

Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.20%
New/Used Auto (Model Years 2024-2026)
5.49%
72 months
View
▼
APR5.49%
Term72 months
Last UpdatedMay 10, 2026
Details

As Low As

Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.20%
Used Auto (Model Years 2021-2023)
5.49%
72 months
View
▼
APR5.49%
Term72 months
Last UpdatedMay 10, 2026
Details

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
View
▼
APR5.49%
Term5 Years
Last UpdatedMay 12, 2026
Details

City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
Used Vehicle Loan
5.49%
36 Months
View
▼
APR5.49%
Term36 Months
Last UpdatedMay 12, 2026
Details

As Low As; Maximum borrowed $50,000

St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Used Car Loans 2021-2022 Models
5.49%
60 Months
View
▼
APR5.49%
Term60 Months
Last UpdatedMay 12, 2026
Details

MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 18.63%
Used Auto
5.49%
60 Months
View
▼
APR5.49%
Term60 Months
Last UpdatedMay 12, 2026
Details

Newburyport Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
Used Vehicles
5.50%
48 Months
View
▼
APR5.50%
Term48 Months
Last UpdatedMay 5, 2026
Details

Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Used Car (2022 - 2024)
5.50%
48 Months
View
▼
APR5.50%
Term48 Months
Last UpdatedMay 6, 2026
Details

Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
Used Automobile Loans
5.50%
24 Months
View
▼
APR5.50%
Term24 Months
Last UpdatedMay 7, 2026
Details

LTV MAX: 80%; FICO Score: C 659-640

Brookline Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
Used Auto
5.50%
60 mos.
View
▼
APR5.50%
Term60 mos.
Last UpdatedMay 10, 2026
Details

MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 18.63%
Used Auto
5.63%
72 Months
View
▼
APR5.63%
Term72 Months
Last UpdatedMay 12, 2026
Details

Albright Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.81%
Used Auto Loans
5.64%
72 Months
View
▼
APR5.64%
Term72 Months
Last UpdatedMay 12, 2026
Details

As Low As; Up to 100% financing available

Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Auto Loans - Used
5.74%
Up to 60 months
View
▼
APR5.74%
TermUp to 60 months
Last UpdatedMay 5, 2026
Details

Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
Used Auto (Years 2021 - 2024)
5.74%
60 Months
View
▼
APR5.74%
Term60 Months
Last UpdatedMay 6, 2026
Details

Without Direct Deposit Auto Pay

St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Used Car Loans 2023-2024 Models
5.74%
84 Months
View
▼
APR5.74%
Term84 Months
Last UpdatedMay 12, 2026
Details

Newburyport Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
Used Vehicles
5.75%
60 Months
View
▼
APR5.75%
Term60 Months
Last UpdatedMay 5, 2026
Details

Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Older Used Car (2019 - 2023)
5.75%
48 Months
View
▼
APR5.75%
Term48 Months
Last UpdatedMay 6, 2026
Details

Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
Used Automobile Loans
5.75%
24 Months
View
▼
APR5.75%
Term24 Months
Last UpdatedMay 7, 2026
Details

LTV MAX: 70%; FICO Score: D 639-620

Brookline Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
Used Auto
5.75%
72 mos.
View
▼
APR5.75%
Term72 mos.
Last UpdatedMay 10, 2026
Details

Albright Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.81%
Used Auto Loans
5.90%
36 Months
View
▼
APR5.90%
Term36 Months
Last UpdatedMay 12, 2026
Details

As Low As; Model years: 2021 -2022 (older considered on case by case basis); Up to 100% financing available

Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Car Loans - New And Used Car Model Year 2021
5.94%
36 Months
View
▼
APR5.94%
Term36 Months
Last UpdatedMay 7, 2026
Details

As Low As

Fall River Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
Used Auto (2022-2024)
5.95%
60 Months
View
▼
APR5.95%
Term60 Months
Last UpdatedMay 12, 2026
Details

Stoughton Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Auto Loans - Used
5.99%
72 months
View
▼
APR5.99%
Term72 months
Last UpdatedMay 5, 2026
Details

Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Used Autos 2019 - 2021
5.99%
72 Months
View
▼
APR5.99%
Term72 Months
Last UpdatedMay 6, 2026
Details

90% Financing

Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
Used Auto (Years 2021 - 2024)
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedMay 6, 2026
Details

Direct Deposit Auto Pay

St Anthony Of Padua Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
Used Auto Loans - with 15% down
5.99%
48 Months
View
▼
APR5.99%
Term48 Months
Last UpdatedMay 6, 2026
Details

As Low As; Maximum term to 48 months; Vehicles 1 - 5 years old

Health Alliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
Used Car Loans (2020,2021,2022)
5.99%
36-60
View
▼
APR5.99%
Term36-60
Last UpdatedMay 7, 2026
Details

Health Alliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
Used Car Loans (2023,2024)
5.99%
72 Months
View
▼
APR5.99%
Term72 Months
Last UpdatedMay 7, 2026
Details

Morton Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
Used Cars
5.99%
up to 6 years
View
▼
APR5.99%
Termup to 6 years
Last UpdatedMay 7, 2026
Details

Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Car Loans - New And Used
5.99%
72 Months
View
▼
APR5.99%
Term72 Months
Last UpdatedMay 7, 2026
Details

As Low As; Car Model Years 2023 - 2026

Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto WITHOUT Direct Deposit
5.99%
3 Years
View
▼
APR5.99%
Term3 Years
Last UpdatedMay 12, 2026
Details

City of Boston Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
Used Vehicle Loan
5.99%
48 Months
View
▼
APR5.99%
Term48 Months
Last UpdatedMay 12, 2026
Details

As Low As; Maximum borrowed $50,000

St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Used Car Loans 2021-2022 Models
5.99%
72 Months
View
▼
APR5.99%
Term72 Months
Last UpdatedMay 12, 2026
Details

Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
Used Autos
6.00%
24 Months
View
▼
APR6.00%
Term24 Months
Last UpdatedMay 6, 2026
Details

Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Used Car (2022 - 2024)
6.00%
60 Months
View
▼
APR6.00%
Term60 Months
Last UpdatedMay 6, 2026
Details

Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
Used Automobile Loans
6.00%
24 Months
View
▼
APR6.00%
Term24 Months
Last UpdatedMay 7, 2026
Details

LTV MAX: 60%; FICO Score: E < 619

Albright Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.81%
Used Auto Loans
6.15%
48 Months
View
▼
APR6.15%
Term48 Months
Last UpdatedMay 12, 2026
Details

As Low As; Up to 100% financing available

Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
Used Auto (Years 2021 - 2024)
6.24%
84 Months
View
▼
APR6.24%
Term84 Months
Last UpdatedMay 6, 2026
Details

Without Direct Deposit Auto Pay

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loans: Used Vehicle
6.25%
5 Years
View
▼
APR6.25%
Term5 Years
Last UpdatedMay 4, 2026
Details

Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
Used Autos
6.25%
36 Months
View
▼
APR6.25%
Term36 Months
Last UpdatedMay 6, 2026
Details

Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Older Used Car (2019 - 2023)
6.25%
60 Months
View
▼
APR6.25%
Term60 Months
Last UpdatedMay 6, 2026
Details

New Bedford Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.29%
Used Auto - 2024 - 2022 models
6.25%
75 Months
View
▼
APR6.25%
Term75 Months
Last UpdatedMay 10, 2026
Details

As Low As; 100% financing available

Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto WITHOUT Direct Deposit
6.25%
4 Years
View
▼
APR6.25%
Term4 Years
Last UpdatedMay 12, 2026
Details

Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Car Loans - New And Used Car Model Year 2021
6.44%
72 Months
View
▼
APR6.44%
Term72 Months
Last UpdatedMay 7, 2026
Details

As Low As

First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Used Auto
6.49%
48 Months
View
▼
APR6.49%
Term48 Months
Last UpdatedMay 10, 2026
Details

As Low As

Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto WITH Direct Deposit
6.49%
6 Years
View
▼
APR6.49%
Term6 Years
Last UpdatedMay 12, 2026
Details

Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto WITHOUT Direct Deposit
6.49%
5 Years
View
▼
APR6.49%
Term5 Years
Last UpdatedMay 12, 2026
Details

Dean Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
Used Cars
6.50%
24 Months
View
▼
APR6.50%
Term24 Months
Last UpdatedMay 5, 2026
Details

As Low As

Wakefield, MA Auto Loan Rate Trends

Compare local Wakefield, 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.

View Full Massachusetts Auto Trends →
New Auto Loan — MA Avg
6.402%
▲ 0.070 vs 7 days ago

Massachusetts new auto rates rose 0.070 points over the past 7 days to 6.402% APR.

Used Auto Loan — MA Avg
6.283%
▼ 0.150 vs 7 days ago

Massachusetts used auto rates fell 0.150 points over the past 7 days to 6.283% APR.

As of May 13, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about Auto Loans in Wakefield, 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 Wakefield, 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 Wakefield, 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 Wakefield, Massachusetts?

Based on our current data, some of the lowest auto loan rates available in Wakefield, Massachusetts include:
  • Stoneham Municipal Employees Federal Credit Union: 5.25% (New Automobile)
  • Savings Bank Wakefield, MA: 7.00% (New Auto - Maximum Loan Amount Model Year 2026 with 500 miles or less)
  • Reading Co-op Bank: 7.25% (Auto Loans - New1or Used2)
  • St Anthony Of Padua Federal Credit Union: 3.10% (Used Auto Loans - with 15% down)
  • Baxter Credit Union: 3.24% (Auto Loans)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Wakefield, Massachusetts. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 12, 2026

Wakefield, Massachusetts Rates & Resources

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