Auto Loan Rates in Hillsboro, New Hampshire (NH) for May 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
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 Hillsboro, New Hampshire. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Hillsboro, New Hampshire include Northern Lights Federal Credit UnionNorthern Lights Federal Credit UnionA+5.0 ★Texas Ratio: 0.30% offering Auto Loans at 3.79%, Granite State Credit UnionGranite State Credit UnionA+5.0 ★Texas Ratio: 5.41% offering New Auto Loans at 4.39%, Pentucket BankPentucket BankA+5.0 ★Texas Ratio: 0.68% offering Auto Loan at 5.25%. Auto loan rates as of May 3, 2026 according to verified data from MonitorBankRates.
Hillsboro borrowers have access to 3 lenders serving the New Hampshire area, with auto loan rates as low as 3.79% APR from Northern Lights 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 Hillsboro, New Hampshire. Auto Loan Rates Last Updated and Verified: May 3, 2026
Compare Auto Loan Rates Today in Hillsboro, New Hampshire & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Northern Lights Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
Auto Loans
3.79%
36 Months
▼
APR3.79%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As; Rates may vary based on credit worthiness
Granite State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
New Auto Loans
4.39%
Up to 42 months
▼
APR4.39%
TermUp to 42 months
Last UpdatedMay 2, 2026
Details
Rates As Low As
Granite State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
Used Auto Loans
4.39%
Up to 42 months
▼
APR4.39%
TermUp to 42 months
Last UpdatedMay 2, 2026
Details
Rates As Low As
Granite State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
New Auto Loans
4.61%
Up to 54 months
▼
APR4.61%
TermUp to 54 months
Last UpdatedMay 2, 2026
Details
Rates As Low As
Granite State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
Used Auto Loans
4.61%
Up to 54 months
▼
APR4.61%
TermUp to 54 months
Last UpdatedMay 2, 2026
Details
Rates As Low As
Granite State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
New Auto Loans
4.84%
Up to 66 months
▼
APR4.84%
TermUp to 66 months
Last UpdatedMay 2, 2026
Details
Rates As Low As
Granite State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
Used Auto Loans
4.84%
Up to 66 months
▼
APR4.84%
TermUp to 66 months
Last UpdatedMay 2, 2026
Details
Rates As Low As
APR5.25%
Term48 Months
Last UpdatedMay 3, 2026
Details
APR5.50%
Term60 Months
Last UpdatedMay 3, 2026
Details
APR5.75%
Term72 Months
Last UpdatedMay 3, 2026
Details
Granite State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
New Auto Loans
5.83%
Up to 78 months
▼
APR5.83%
TermUp to 78 months
Last UpdatedMay 2, 2026
Details
Rates As Low As
Granite State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
Used Auto Loans
5.83%
Up to 78 months
▼
APR5.83%
TermUp to 78 months
Last UpdatedMay 2, 2026
Details
Rates As Low As
Granite State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
New Auto Loans
6.82%
Up to 90 months
▼
APR6.82%
TermUp to 90 months
Last UpdatedMay 2, 2026
Details
Rates As Low As
Granite State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
Used Auto Loans
6.82%
Up to 90 months
▼
APR6.82%
TermUp to 90 months
Last UpdatedMay 2, 2026
Details
Rates As Low As
Granite State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
Used Auto Loans
9.09%
Up to 66 months
▼
APR9.09%
TermUp to 66 months
Last UpdatedMay 2, 2026
Details
Rates As Low As
Granite State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
Used Auto Loans
9.82%
Up to 90 months
▼
APR9.82%
TermUp to 90 months
Last UpdatedMay 2, 2026
Details
Rates As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Granite State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
New Auto Loans
4.39%
Up to 42 months
▼
APR4.39%
TermUp to 42 months
Last UpdatedMay 2, 2026
Details
Rates As Low As
Granite State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
New Auto Loans
4.61%
Up to 54 months
▼
APR4.61%
TermUp to 54 months
Last UpdatedMay 2, 2026
Details
Rates As Low As
Granite State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
New Auto Loans
4.84%
Up to 66 months
▼
APR4.84%
TermUp to 66 months
Last UpdatedMay 2, 2026
Details
Rates As Low As
Granite State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
New Auto Loans
5.83%
Up to 78 months
▼
APR5.83%
TermUp to 78 months
Last UpdatedMay 2, 2026
Details
Rates As Low As
Granite State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
New Auto Loans
6.82%
Up to 90 months
▼
APR6.82%
TermUp to 90 months
Last UpdatedMay 2, 2026
Details
Rates As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Granite State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
Used Auto Loans
4.39%
Up to 42 months
▼
APR4.39%
TermUp to 42 months
Last UpdatedMay 2, 2026
Details
Rates As Low As
Granite State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
Used Auto Loans
4.61%
Up to 54 months
▼
APR4.61%
TermUp to 54 months
Last UpdatedMay 2, 2026
Details
Rates As Low As
Granite State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
Used Auto Loans
4.84%
Up to 66 months
▼
APR4.84%
TermUp to 66 months
Last UpdatedMay 2, 2026
Details
Rates As Low As
Granite State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
Used Auto Loans
5.83%
Up to 78 months
▼
APR5.83%
TermUp to 78 months
Last UpdatedMay 2, 2026
Details
Rates As Low As
Granite State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
Used Auto Loans
6.82%
Up to 90 months
▼
APR6.82%
TermUp to 90 months
Last UpdatedMay 2, 2026
Details
Rates As Low As
Granite State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
Used Auto Loans
9.09%
Up to 66 months
▼
APR9.09%
TermUp to 66 months
Last UpdatedMay 2, 2026
Details
Rates As Low As
Granite State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
Used Auto Loans
9.82%
Up to 90 months
▼
APR9.82%
TermUp to 90 months
Last UpdatedMay 2, 2026
Details
Rates As Low As
Powered by
MonitorBankRates
Hillsboro, NH Auto Loan Rate Trends
Compare local Hillsboro, NH 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 — NH Avg
5.632%
▲ 0.006 vs 7 days ago
New Hampshire new auto rates rose 0.006 points over the past 7 days to 5.632% APR.
Used Auto Loan — NH Avg
6.351%
▼ 0.021 vs 7 days ago
New Hampshire used auto rates fell 0.021 points over the past 7 days to 6.351% APR.
As of May 5, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in Hillsboro, New Hampshire
How does my credit score affect my car loan rate in New Hampshire?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Hillsboro, New Hampshire 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 New Hampshire *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 Hillsboro, New Hampshire 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 Hillsboro, New Hampshire?
Based on our current data, some of the lowest auto loan rates available in Hillsboro, New Hampshire include:
- Northern Lights Federal Credit Union: 3.79% (Auto Loans)
- Granite State Credit Union: 4.39% (New Auto Loans)
- Pentucket Bank: 5.25% (Auto Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Hillsboro, New Hampshire. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 3, 2026
Rate Assistant
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