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Auto Loan Rates in Manchester, New Hampshire (NH) for May 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| 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 Manchester, New Hampshire. 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 3, 2026

Current auto loan rates in Manchester, New Hampshire include Granite State Credit UnionGranite State Credit Union1415 Elm St, Manchester, NH, 03101 1325A+5.0 ★Texas Ratio: 5.41% offering New Auto Loans at 4.39%, Northern Lights Federal Credit UnionNorthern Lights Federal Credit UnionA+5.0 ★Texas Ratio: 0.30% offering Auto Loans at 3.79%, 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.

Manchester has 1 local institution in our database, with auto loan rates as low as 4.39% APR from Granite State Credit Union at 1415 Elm St, Manchester, NH, 03101 1325. 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 Manchester, New Hampshire. Auto Loan Rates Last Updated and Verified: May 3, 2026

Compare Auto Loan Rates Today in Manchester, New Hampshire & Surrounding Area

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%
1415 Elm St, Manchester, NH, 03101 1325
New Auto Loans
4.39%
Up to 42 months
View
▼
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%
1415 Elm St, Manchester, NH, 03101 1325
Used Auto Loans
4.39%
Up to 42 months
View
▼
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%
1415 Elm St, Manchester, NH, 03101 1325
New Auto Loans
4.61%
Up to 54 months
View
▼
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%
1415 Elm St, Manchester, NH, 03101 1325
Used Auto Loans
4.61%
Up to 54 months
View
▼
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%
1415 Elm St, Manchester, NH, 03101 1325
New Auto Loans
4.84%
Up to 66 months
View
▼
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%
1415 Elm St, Manchester, NH, 03101 1325
Used Auto Loans
4.84%
Up to 66 months
View
▼
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%
1415 Elm St, Manchester, NH, 03101 1325
New Auto Loans
5.83%
Up to 78 months
View
▼
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%
1415 Elm St, Manchester, NH, 03101 1325
Used Auto Loans
5.83%
Up to 78 months
View
▼
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%
1415 Elm St, Manchester, NH, 03101 1325
New Auto Loans
6.82%
Up to 90 months
View
▼
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%
1415 Elm St, Manchester, NH, 03101 1325
Used Auto Loans
6.82%
Up to 90 months
View
▼
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%
1415 Elm St, Manchester, NH, 03101 1325
Used Auto Loans
9.09%
Up to 66 months
View
▼
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%
1415 Elm St, Manchester, NH, 03101 1325
Used Auto Loans
9.82%
Up to 90 months
View
▼
APR9.82%
TermUp to 90 months
Last UpdatedMay 2, 2026
Details

Rates As Low As

Northern Lights Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
Auto Loans
3.79%
36 Months
View
▼
APR3.79%
Term36 Months
Last UpdatedMay 2, 2026
Details

As Low As; Rates may vary based on credit worthiness

Pentucket Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
Auto Loan
5.25%
48 Months
View
▼
APR5.25%
Term48 Months
Last UpdatedMay 3, 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 3, 2026
Details

Pentucket Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
Auto Loan
5.75%
72 Months
View
▼
APR5.75%
Term72 Months
Last UpdatedMay 3, 2026
Details

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%
1415 Elm St, Manchester, NH, 03101 1325
New Auto Loans
4.39%
Up to 42 months
View
▼
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%
1415 Elm St, Manchester, NH, 03101 1325
New Auto Loans
4.61%
Up to 54 months
View
▼
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%
1415 Elm St, Manchester, NH, 03101 1325
New Auto Loans
4.84%
Up to 66 months
View
▼
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%
1415 Elm St, Manchester, NH, 03101 1325
New Auto Loans
5.83%
Up to 78 months
View
▼
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%
1415 Elm St, Manchester, NH, 03101 1325
New Auto Loans
6.82%
Up to 90 months
View
▼
APR6.82%
TermUp to 90 months
Last UpdatedMay 2, 2026
Details

Rates As Low As

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%
1415 Elm St, Manchester, NH, 03101 1325
Used Auto Loans
4.39%
Up to 42 months
View
▼
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%
1415 Elm St, Manchester, NH, 03101 1325
Used Auto Loans
4.61%
Up to 54 months
View
▼
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%
1415 Elm St, Manchester, NH, 03101 1325
Used Auto Loans
4.84%
Up to 66 months
View
▼
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%
1415 Elm St, Manchester, NH, 03101 1325
Used Auto Loans
5.83%
Up to 78 months
View
▼
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%
1415 Elm St, Manchester, NH, 03101 1325
Used Auto Loans
6.82%
Up to 90 months
View
▼
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%
1415 Elm St, Manchester, NH, 03101 1325
Used Auto Loans
9.09%
Up to 66 months
View
▼
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%
1415 Elm St, Manchester, NH, 03101 1325
Used Auto Loans
9.82%
Up to 90 months
View
▼
APR9.82%
TermUp to 90 months
Last UpdatedMay 2, 2026
Details

Rates As Low As

Manchester, NH Auto Loan Rate Trends

Compare local Manchester, 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.

View Full New Hampshire Auto Trends →
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 Manchester, 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 Manchester, 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 Manchester, 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 Manchester, New Hampshire?

Based on our current data, some of the lowest auto loan rates available in Manchester, New Hampshire include:
  • Granite State Credit Union: 4.39% (New Auto Loans)
  • Northern Lights Federal Credit Union: 3.79% (Auto Loans)
  • Pentucket Bank: 5.25% (Auto Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Manchester, New Hampshire. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 3, 2026

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