Auto Loan Rates in Derby, Vermont (VT) for March 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Derby, Vermont. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Derby, Vermont include Members 1st Credit Union Brattleboro, VTMembers 1st Credit Union Brattleboro, VT10 Browne Ct, Brattleboro, VT, 05301 4427A+5.0 ★Texas Ratio: 5.44% offering New Vehicles at 2.99%, ORLEX Government Employees Credit UnionORLEX Government Employees Credit Union5043 US Route 5, Newport, VT, 05855 4543A5.0 ★Texas Ratio: 11.17% offering New Auto Loan at 3.75%, TrustCo BankTrustCo Bank215 North St, Bennington, VT, 05201A+5.0 ★Texas Ratio: 3.16% offering Auto Loans: New Vehicle at 4.99%, Credit Union of Vermont Credit UnionCredit Union of Vermont Credit Union2 S Main St, Rutland, VT, 05701 4262A+5.0 ★Texas Ratio: 0.16% offering New Vehicle at 5.05%, Wells River Savings BankWells River Savings Bank34 Main St N, Wells River, VT, 05081A+5.0 ★Texas Ratio: 5.56% offering 2023-2026 New Vehicles or Vehicles with <5000 MILES at 6.00%.
Auto loan rates in Derby, Vermont are continually updated to reflect market conditions. We recommend comparing rates from multiple lenders before visiting the dealership.
We empower borrowers with transparent financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently choose a stable, highly-rated institution.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Derby, Vermont. Auto Loan Rates Last Updated and Verified: March 17, 2026
Compare Auto Loan Rates Today in Derby, Vermont & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Members 1st Credit Union Brattleboro, VT
Institution Rating:
A+5.0 ★ Texas Ratio: 5.44%
10 Browne Ct, Brattleboro, VT, 05301 4427
New Vehicles
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedMar 12, 2026
Details
UP TO 70% LTV
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
5043 US Route 5, Newport, VT, 05855 4543
New Auto Loan
3.75%
24 Months
▼
APR3.75%
Term24 Months
Last UpdatedMar 15, 2026
Details
Model Years: 2011-2026
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
5043 US Route 5, Newport, VT, 05855 4543
New Auto Loan
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMar 15, 2026
Details
Model Years: 2011-2026
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
5043 US Route 5, Newport, VT, 05855 4543
Used Auto Loan
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedMar 15, 2026
Details
Model Years: 2011-2026
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
5043 US Route 5, Newport, VT, 05855 4543
New Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 15, 2026
Details
Model Years: 2020-2026
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
5043 US Route 5, Newport, VT, 05855 4543
Used Auto Loan
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMar 15, 2026
Details
Model Years: 2011-2026
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
5043 US Route 5, Newport, VT, 05855 4543
Used Auto Loan
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMar 15, 2026
Details
Model Years: 2020-2026
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
5043 US Route 5, Newport, VT, 05855 4543
New Auto Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMar 15, 2026
Details
Model Years: 2023-2026
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
215 North St, Bennington, VT, 05201
Auto Loans: New Vehicle
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedMar 15, 2026
Details
Members 1st Credit Union Brattleboro, VT
Institution Rating:
A+5.0 ★ Texas Ratio: 5.44%
10 Browne Ct, Brattleboro, VT, 05301 4427
New Vehicles
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMar 12, 2026
Details
UP TO 100% LTV IF MPG IS ?25
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
5043 US Route 5, Newport, VT, 05855 4543
Used Auto Loan
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMar 15, 2026
Details
Model Years: 2023-2026
Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
2 S Main St, Rutland, VT, 05701 4262
New Vehicle
5.05%
36 Months
▼
APR5.05%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As; 2023, 2024, 2025 models with 30,000 miles or less
Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
2 S Main St, Rutland, VT, 05701 4262
Used Vehicle
5.05%
36 Months
▼
APR5.05%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As; 2022 model or older, or any year with more than 30,000 miles
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
215 North St, Bennington, VT, 05201
Auto Loans: New Vehicle
5.25%
5 Years
▼
APR5.25%
Term5 Years
Last UpdatedMar 15, 2026
Details
Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
2 S Main St, Rutland, VT, 05701 4262
New Vehicle
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMar 16, 2026
Details
As Low As; 2023, 2024, 2025 models with 30,000 miles or less
Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
2 S Main St, Rutland, VT, 05701 4262
Used Vehicle
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMar 16, 2026
Details
As Low As; 2022 model or older, or any year with more than 30,000 miles
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
5043 US Route 5, Newport, VT, 05855 4543
New Auto Loan
5.75%
24 Months
▼
APR5.75%
Term24 Months
Last UpdatedMar 15, 2026
Details
Model Years: 2011-2026
Members 1st Credit Union Brattleboro, VT
Institution Rating:
A+5.0 ★ Texas Ratio: 5.44%
10 Browne Ct, Brattleboro, VT, 05301 4427
Used Vehicles 2022 & Newer
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMar 12, 2026
Details
UP TO 90% LTV ADD 1 % TO RATE FOR 91% TO 100% LTV
Members 1st Credit Union Brattleboro, VT
Institution Rating:
A+5.0 ★ Texas Ratio: 5.44%
10 Browne Ct, Brattleboro, VT, 05301 4427
Used Vehicles 2022 & Newer Refi Special
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMar 12, 2026
Details
REFINANCES WITH OTHER LENDERS ONLY - 100% LTV
Wells River Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.56%
34 Main St N, Wells River, VT, 05081
2023-2026 New Vehicles or Vehicles with <5000 MILES
6.00%
3 Months
▼
APR6.00%
Term3 Months
Last UpdatedMar 17, 2026
Details
Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
2 S Main St, Rutland, VT, 05701 4262
New Vehicle
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedMar 16, 2026
Details
As Low As; 2023, 2024, 2025 models with 30,000 miles or less
Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
2 S Main St, Rutland, VT, 05701 4262
Used Vehicle
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedMar 16, 2026
Details
As Low As; 2022 model or older, or any year with more than 30,000 miles
Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
2 S Main St, Rutland, VT, 05701 4262
Vehicle Loans
6.00%
60 months
▼
APR6.00%
Term60 months
Last UpdatedMar 16, 2026
Details
As Low As
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
5043 US Route 5, Newport, VT, 05855 4543
New Auto Loan
6.00%
36 Months
▼
APR6.00%
Term36 Months
Last UpdatedMar 15, 2026
Details
Model Years: 2011-2026
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
5043 US Route 5, Newport, VT, 05855 4543
Used Auto Loan
6.00%
24 Months
▼
APR6.00%
Term24 Months
Last UpdatedMar 15, 2026
Details
Model Years: 2011-2026
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
215 North St, Bennington, VT, 05201
Auto Loans: Used Vehicle
6.25%
5 Years
▼
APR6.25%
Term5 Years
Last UpdatedMar 15, 2026
Details
Wells River Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.56%
34 Main St N, Wells River, VT, 05081
2023-2026 New Vehicles or Vehicles with <5000 MILES
6.25%
4 Months
▼
APR6.25%
Term4 Months
Last UpdatedMar 17, 2026
Details
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
5043 US Route 5, Newport, VT, 05855 4543
New Auto Loan
6.25%
48 Months
▼
APR6.25%
Term48 Months
Last UpdatedMar 15, 2026
Details
Model Years: 2020-2026
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
5043 US Route 5, Newport, VT, 05855 4543
Used Auto Loan
6.25%
36 Months
▼
APR6.25%
Term36 Months
Last UpdatedMar 15, 2026
Details
Model Years: 2011-2026
Wells River Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.56%
34 Main St N, Wells River, VT, 05081
2023-2026 New Vehicles or Vehicles with <5000 MILES
6.50%
5 Months
▼
APR6.50%
Term5 Months
Last UpdatedMar 17, 2026
Details
Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
2 S Main St, Rutland, VT, 05701 4262
New Vehicle
6.50%
84 Months
▼
APR6.50%
Term84 Months
Last UpdatedMar 16, 2026
Details
As Low As; 2023, 2024, 2025 models with 30,000 miles or less
Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
2 S Main St, Rutland, VT, 05701 4262
Used Vehicle
6.50%
84 Months
▼
APR6.50%
Term84 Months
Last UpdatedMar 16, 2026
Details
As Low As; 2022 model or older, or any year with more than 30,000 miles
Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
2 S Main St, Rutland, VT, 05701 4262
Vehicle Loans
6.50%
72 Months
▼
APR6.50%
Term72 Months
Last UpdatedMar 16, 2026
Details
As Low As
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
5043 US Route 5, Newport, VT, 05855 4543
New Auto Loan
6.50%
84 Months
▼
APR6.50%
Term84 Months
Last UpdatedMar 15, 2026
Details
Model Years: 2024-2026
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
5043 US Route 5, Newport, VT, 05855 4543
Used Auto Loan
6.50%
48 Months
▼
APR6.50%
Term48 Months
Last UpdatedMar 15, 2026
Details
Model Years: 2020-2026
Wells River Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.56%
34 Main St N, Wells River, VT, 05081
2023-2026 New Vehicles or Vehicles with <5000 MILES
6.75%
6 Months
▼
APR6.75%
Term6 Months
Last UpdatedMar 17, 2026
Details
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
5043 US Route 5, Newport, VT, 05855 4543
New Auto Loan
6.75%
72 Months
▼
APR6.75%
Term72 Months
Last UpdatedMar 15, 2026
Details
Model Years: 2023-2026
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
5043 US Route 5, Newport, VT, 05855 4543
Used Auto Loan
6.75%
84 Months
▼
APR6.75%
Term84 Months
Last UpdatedMar 15, 2026
Details
Model Years: 2024-2026
Members 1st Credit Union Brattleboro, VT
Institution Rating:
A+5.0 ★ Texas Ratio: 5.44%
10 Browne Ct, Brattleboro, VT, 05301 4427
Used Vehicles 2019 To 2021
6.99%
48 Months
▼
APR6.99%
Term48 Months
Last UpdatedMar 12, 2026
Details
UP TO 90% LTV ADD 1 % TO RATE FOR 91% TO 100% LTV
Wells River Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.56%
34 Main St N, Wells River, VT, 05081
Used Auto Loans 2022 to 2026
7.00%
6 Years
▼
APR7.00%
Term6 Years
Last UpdatedMar 17, 2026
Details
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
5043 US Route 5, Newport, VT, 05855 4543
Used Auto Loan
7.00%
72 Months
▼
APR7.00%
Term72 Months
Last UpdatedMar 15, 2026
Details
Model Years: 2023-2026
Wells River Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.56%
34 Main St N, Wells River, VT, 05081
Used Auto Loans 2013 to 2017
7.25%
4 Years
▼
APR7.25%
Term4 Years
Last UpdatedMar 17, 2026
Details
Wells River Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.56%
34 Main St N, Wells River, VT, 05081
Used Auto Loans 2018 to 2021
7.25%
6 Years
▼
APR7.25%
Term6 Years
Last UpdatedMar 17, 2026
Details
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.42%
84 Pine St, Burlington, VT, 05401 4441
New Auto
7.74%
96 Months
▼
APR7.74%
Term96 Months
Last UpdatedMar 15, 2026
Details
New Only (Minimum $35K)
Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
2 S Main St, Rutland, VT, 05701 4262
New Vehicle
8.24%
120 Months
▼
APR8.24%
Term120 Months
Last UpdatedMar 16, 2026
Details
As Low As; 2023, 2024, 2025 models with 30,000 miles or less
Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
2 S Main St, Rutland, VT, 05701 4262
Used Vehicle
8.24%
120 Months
▼
APR8.24%
Term120 Months
Last UpdatedMar 16, 2026
Details
As Low As; 2022 model or older, or any year with more than 30,000 miles
Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
2 S Main St, Rutland, VT, 05701 4262
Vehicle Loans
8.24%
120 Months
▼
APR8.24%
Term120 Months
Last UpdatedMar 16, 2026
Details
As Low As
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
5043 US Route 5, Newport, VT, 05855 4543
New Auto Loan
8.50%
84 Months
▼
APR8.50%
Term84 Months
Last UpdatedMar 15, 2026
Details
Model Years: 2024-2026
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
5043 US Route 5, Newport, VT, 05855 4543
Used Auto Loan
8.75%
84 Months
▼
APR8.75%
Term84 Months
Last UpdatedMar 15, 2026
Details
Model Years: 2024-2026
Wells River Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.56%
34 Main St N, Wells River, VT, 05081
Used Auto Loans 2012 & Older
9.00%
3 Years
▼
APR9.00%
Term3 Years
Last UpdatedMar 17, 2026
Details
Members 1st Credit Union Brattleboro, VT
Institution Rating:
A+5.0 ★ Texas Ratio: 5.44%
10 Browne Ct, Brattleboro, VT, 05301 4427
Used Vehicles 2017 To 2018
9.99%
48 Months
▼
APR9.99%
Term48 Months
Last UpdatedMar 12, 2026
Details
UP TO 90% LTV ADD 1 % TO RATE FOR 91% TO 100% LTV
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Members 1st Credit Union Brattleboro, VT
Institution Rating:
A+5.0 ★ Texas Ratio: 5.44%
10 Browne Ct, Brattleboro, VT, 05301 4427
New Vehicles
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedMar 12, 2026
Details
UP TO 70% LTV
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
5043 US Route 5, Newport, VT, 05855 4543
New Auto Loan
3.75%
24 Months
▼
APR3.75%
Term24 Months
Last UpdatedMar 15, 2026
Details
Model Years: 2011-2026
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
5043 US Route 5, Newport, VT, 05855 4543
New Auto Loan
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMar 15, 2026
Details
Model Years: 2011-2026
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
5043 US Route 5, Newport, VT, 05855 4543
New Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 15, 2026
Details
Model Years: 2020-2026
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
5043 US Route 5, Newport, VT, 05855 4543
New Auto Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMar 15, 2026
Details
Model Years: 2023-2026
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
215 North St, Bennington, VT, 05201
Auto Loans: New Vehicle
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedMar 15, 2026
Details
Members 1st Credit Union Brattleboro, VT
Institution Rating:
A+5.0 ★ Texas Ratio: 5.44%
10 Browne Ct, Brattleboro, VT, 05301 4427
New Vehicles
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMar 12, 2026
Details
UP TO 100% LTV IF MPG IS ?25
Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
2 S Main St, Rutland, VT, 05701 4262
New Vehicle
5.05%
36 Months
▼
APR5.05%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As; 2023, 2024, 2025 models with 30,000 miles or less
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
215 North St, Bennington, VT, 05201
Auto Loans: New Vehicle
5.25%
5 Years
▼
APR5.25%
Term5 Years
Last UpdatedMar 15, 2026
Details
Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
2 S Main St, Rutland, VT, 05701 4262
New Vehicle
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMar 16, 2026
Details
As Low As; 2023, 2024, 2025 models with 30,000 miles or less
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
5043 US Route 5, Newport, VT, 05855 4543
New Auto Loan
5.75%
24 Months
▼
APR5.75%
Term24 Months
Last UpdatedMar 15, 2026
Details
Model Years: 2011-2026
Members 1st Credit Union Brattleboro, VT
Institution Rating:
A+5.0 ★ Texas Ratio: 5.44%
10 Browne Ct, Brattleboro, VT, 05301 4427
Used Vehicles 2022 & Newer
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMar 12, 2026
Details
UP TO 90% LTV ADD 1 % TO RATE FOR 91% TO 100% LTV
Members 1st Credit Union Brattleboro, VT
Institution Rating:
A+5.0 ★ Texas Ratio: 5.44%
10 Browne Ct, Brattleboro, VT, 05301 4427
Used Vehicles 2022 & Newer Refi Special
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMar 12, 2026
Details
REFINANCES WITH OTHER LENDERS ONLY - 100% LTV
Wells River Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.56%
34 Main St N, Wells River, VT, 05081
2023-2026 New Vehicles or Vehicles with <5000 MILES
6.00%
3 Months
▼
APR6.00%
Term3 Months
Last UpdatedMar 17, 2026
Details
Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
2 S Main St, Rutland, VT, 05701 4262
New Vehicle
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedMar 16, 2026
Details
As Low As; 2023, 2024, 2025 models with 30,000 miles or less
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
5043 US Route 5, Newport, VT, 05855 4543
New Auto Loan
6.00%
36 Months
▼
APR6.00%
Term36 Months
Last UpdatedMar 15, 2026
Details
Model Years: 2011-2026
Wells River Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.56%
34 Main St N, Wells River, VT, 05081
2023-2026 New Vehicles or Vehicles with <5000 MILES
6.25%
4 Months
▼
APR6.25%
Term4 Months
Last UpdatedMar 17, 2026
Details
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
5043 US Route 5, Newport, VT, 05855 4543
New Auto Loan
6.25%
48 Months
▼
APR6.25%
Term48 Months
Last UpdatedMar 15, 2026
Details
Model Years: 2020-2026
Wells River Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.56%
34 Main St N, Wells River, VT, 05081
2023-2026 New Vehicles or Vehicles with <5000 MILES
6.50%
5 Months
▼
APR6.50%
Term5 Months
Last UpdatedMar 17, 2026
Details
Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
2 S Main St, Rutland, VT, 05701 4262
New Vehicle
6.50%
84 Months
▼
APR6.50%
Term84 Months
Last UpdatedMar 16, 2026
Details
As Low As; 2023, 2024, 2025 models with 30,000 miles or less
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
5043 US Route 5, Newport, VT, 05855 4543
New Auto Loan
6.50%
84 Months
▼
APR6.50%
Term84 Months
Last UpdatedMar 15, 2026
Details
Model Years: 2024-2026
Wells River Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.56%
34 Main St N, Wells River, VT, 05081
2023-2026 New Vehicles or Vehicles with <5000 MILES
6.75%
6 Months
▼
APR6.75%
Term6 Months
Last UpdatedMar 17, 2026
Details
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
5043 US Route 5, Newport, VT, 05855 4543
New Auto Loan
6.75%
72 Months
▼
APR6.75%
Term72 Months
Last UpdatedMar 15, 2026
Details
Model Years: 2023-2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.42%
84 Pine St, Burlington, VT, 05401 4441
New Auto
7.74%
96 Months
▼
APR7.74%
Term96 Months
Last UpdatedMar 15, 2026
Details
New Only (Minimum $35K)
Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
2 S Main St, Rutland, VT, 05701 4262
New Vehicle
8.24%
120 Months
▼
APR8.24%
Term120 Months
Last UpdatedMar 16, 2026
Details
As Low As; 2023, 2024, 2025 models with 30,000 miles or less
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
5043 US Route 5, Newport, VT, 05855 4543
New Auto Loan
8.50%
84 Months
▼
APR8.50%
Term84 Months
Last UpdatedMar 15, 2026
Details
Model Years: 2024-2026
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Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
5043 US Route 5, Newport, VT, 05855 4543
Used Auto Loan
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedMar 15, 2026
Details
Model Years: 2011-2026
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
5043 US Route 5, Newport, VT, 05855 4543
Used Auto Loan
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMar 15, 2026
Details
Model Years: 2011-2026
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
5043 US Route 5, Newport, VT, 05855 4543
Used Auto Loan
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMar 15, 2026
Details
Model Years: 2020-2026
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
5043 US Route 5, Newport, VT, 05855 4543
Used Auto Loan
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMar 15, 2026
Details
Model Years: 2023-2026
Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
2 S Main St, Rutland, VT, 05701 4262
Used Vehicle
5.05%
36 Months
▼
APR5.05%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As; 2022 model or older, or any year with more than 30,000 miles
Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
2 S Main St, Rutland, VT, 05701 4262
Used Vehicle
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMar 16, 2026
Details
As Low As; 2022 model or older, or any year with more than 30,000 miles
Members 1st Credit Union Brattleboro, VT
Institution Rating:
A+5.0 ★ Texas Ratio: 5.44%
10 Browne Ct, Brattleboro, VT, 05301 4427
Used Vehicles 2022 & Newer
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMar 12, 2026
Details
UP TO 90% LTV ADD 1 % TO RATE FOR 91% TO 100% LTV
Members 1st Credit Union Brattleboro, VT
Institution Rating:
A+5.0 ★ Texas Ratio: 5.44%
10 Browne Ct, Brattleboro, VT, 05301 4427
Used Vehicles 2022 & Newer Refi Special
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMar 12, 2026
Details
REFINANCES WITH OTHER LENDERS ONLY - 100% LTV
Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
2 S Main St, Rutland, VT, 05701 4262
Used Vehicle
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedMar 16, 2026
Details
As Low As; 2022 model or older, or any year with more than 30,000 miles
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
5043 US Route 5, Newport, VT, 05855 4543
Used Auto Loan
6.00%
24 Months
▼
APR6.00%
Term24 Months
Last UpdatedMar 15, 2026
Details
Model Years: 2011-2026
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
215 North St, Bennington, VT, 05201
Auto Loans: Used Vehicle
6.25%
5 Years
▼
APR6.25%
Term5 Years
Last UpdatedMar 15, 2026
Details
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
5043 US Route 5, Newport, VT, 05855 4543
Used Auto Loan
6.25%
36 Months
▼
APR6.25%
Term36 Months
Last UpdatedMar 15, 2026
Details
Model Years: 2011-2026
Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
2 S Main St, Rutland, VT, 05701 4262
Used Vehicle
6.50%
84 Months
▼
APR6.50%
Term84 Months
Last UpdatedMar 16, 2026
Details
As Low As; 2022 model or older, or any year with more than 30,000 miles
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
5043 US Route 5, Newport, VT, 05855 4543
Used Auto Loan
6.50%
48 Months
▼
APR6.50%
Term48 Months
Last UpdatedMar 15, 2026
Details
Model Years: 2020-2026
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
5043 US Route 5, Newport, VT, 05855 4543
Used Auto Loan
6.75%
84 Months
▼
APR6.75%
Term84 Months
Last UpdatedMar 15, 2026
Details
Model Years: 2024-2026
Members 1st Credit Union Brattleboro, VT
Institution Rating:
A+5.0 ★ Texas Ratio: 5.44%
10 Browne Ct, Brattleboro, VT, 05301 4427
Used Vehicles 2019 To 2021
6.99%
48 Months
▼
APR6.99%
Term48 Months
Last UpdatedMar 12, 2026
Details
UP TO 90% LTV ADD 1 % TO RATE FOR 91% TO 100% LTV
Wells River Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.56%
34 Main St N, Wells River, VT, 05081
Used Auto Loans 2022 to 2026
7.00%
6 Years
▼
APR7.00%
Term6 Years
Last UpdatedMar 17, 2026
Details
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
5043 US Route 5, Newport, VT, 05855 4543
Used Auto Loan
7.00%
72 Months
▼
APR7.00%
Term72 Months
Last UpdatedMar 15, 2026
Details
Model Years: 2023-2026
Wells River Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.56%
34 Main St N, Wells River, VT, 05081
Used Auto Loans 2013 to 2017
7.25%
4 Years
▼
APR7.25%
Term4 Years
Last UpdatedMar 17, 2026
Details
Wells River Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.56%
34 Main St N, Wells River, VT, 05081
Used Auto Loans 2018 to 2021
7.25%
6 Years
▼
APR7.25%
Term6 Years
Last UpdatedMar 17, 2026
Details
Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
2 S Main St, Rutland, VT, 05701 4262
Used Vehicle
8.24%
120 Months
▼
APR8.24%
Term120 Months
Last UpdatedMar 16, 2026
Details
As Low As; 2022 model or older, or any year with more than 30,000 miles
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
5043 US Route 5, Newport, VT, 05855 4543
Used Auto Loan
8.75%
84 Months
▼
APR8.75%
Term84 Months
Last UpdatedMar 15, 2026
Details
Model Years: 2024-2026
Wells River Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.56%
34 Main St N, Wells River, VT, 05081
Used Auto Loans 2012 & Older
9.00%
3 Years
▼
APR9.00%
Term3 Years
Last UpdatedMar 17, 2026
Details
Members 1st Credit Union Brattleboro, VT
Institution Rating:
A+5.0 ★ Texas Ratio: 5.44%
10 Browne Ct, Brattleboro, VT, 05301 4427
Used Vehicles 2017 To 2018
9.99%
48 Months
▼
APR9.99%
Term48 Months
Last UpdatedMar 12, 2026
Details
UP TO 90% LTV ADD 1 % TO RATE FOR 91% TO 100% LTV
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Frequently Asked Questions about Auto Loans in Derby, Vermont
How does my credit score affect my car loan rate in Vermont?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Derby, Vermont 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 Vermont *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 Derby, Vermont 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 Derby, Vermont?
Based on our current data, some of the lowest auto loan rates available in Derby, Vermont include:
- Members 1st Credit Union Brattleboro, VT: 2.99% (New Vehicles)
- ORLEX Government Employees Credit Union: 3.75% (New Auto Loan)
- TrustCo Bank: 4.99% (Auto Loans: New Vehicle)
- Credit Union of Vermont Credit Union: 5.05% (New Vehicle)
- Wells River Savings Bank: 6.00% (2023-2026 New Vehicles or Vehicles with <5000 MILES)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Derby, Vermont. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 17, 2026
