Old Bennington, Vermont auto loan rates from lenders serving Vermont range from 2.99% to 11.37% APR, verified by MonitorBankRates as of October 12, 2026. Current auto loan rates in Old Bennington, Vermont include Members 1st Credit Union Brattleboro, VTMembers 1st Credit Union Brattleboro, VTA5.0 ★Texas Ratio: 13.83% offering NEW VEHICLES Loan at 2.99%, Vermont Federal Credit UnionVermont Federal Credit UnionA+5.0 ★Texas Ratio: 3.32% offering Electric/Hybrid Auto Loan at 4.40%, EastRise Credit UnionEastRise Credit UnionA+5.0 ★Texas Ratio: 3.84% offering Green Vehicle Loan at 4.60%, Northfield Savings BankNorthfield Savings BankA+5.0 ★Texas Ratio: 3.85% offering Business New Auto Loan at 4.62%, North Country Federal Credit UnionNorth Country Federal Credit UnionA5.0 ★Texas Ratio: 8.36% offering New/Used Vehicles with Titles Loan at 4.64%. Auto loan rates as of October 12, 2026 according to verified data from MonitorBankRates.
Old Bennington borrowers have access to 13 lenders serving the Vermont area, with auto loan rates as low as 2.99% APR from Members 1st Credit Union Brattleboro, VT. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Old Bennington, Vermont. Auto Loan Rates Last Updated and Verified: October 12, 2026
UP to 70% LTV
Model Year: Up to 10 model years old
Model Year: Up to 10 model years old
APR = annual percentage rate and reflects the current minimum APR offered.
Down Payment: 0%
Down Payment: 0%
As low as
Model Year: Up to 5 model years old
APR = annual percentage rate and reflects the current minimum APR offered.
Model Year: Up to 4 model years old
Down Payment: 0%
Down Payment: 0%
APR = annual percentage rate and reflects the current minimum APR offered.
Model Year: Up to 10 model years old
As low as
As low as
As low as
Up to 90% LTV
Model Year: Up to 3 model years old
Term: 24 months (2011-2026)
As low as; NEW-APR
As low as; NEW-APR
As low as; NEW-APR
As low as; NEW-APR
APR = annual percentage rate and reflects the current minimum APR offered.
Model Year: Up to 10 model years old
Down Payment: 0%
Down Payment: 0%
Down Payment: 0%
Down Payment: 0%
Model Year: Up to 5 model years old
APR = annual percentage rate and reflects the current minimum APR offered.
Term: 36 months (2011-2026)
Term: 24 months (2011-2026)
As low as
Model Year: Up to 4 model years old
Down Payment: 0%
Down Payment: 0%
Year: 2020-2026
Model Year: Up to 3 model years old (Minimum $15K)
Term: 48 months (2020-2026)
Term: 60 months (2021-2026)
Term: 36 months (2011-2026)
As low as; USED 4+ YRS OLD-APR
As low as; USED 4+ YRS OLD-APR
As low as; USED 4+ YRS OLD-APR
As low as; USED 4+ YRS OLD-APR
As low as; NEW-APR
Model Year: Up to 2 model years old
Down Payment: 10%
Rate examples are based on a FICO score of 730 or higher, having 10% down payment, with Member Rewards. Lower rates may apply for terms less than 60 months. Does not include insurances.
Term: 48 months (2020-2026)
Year: 2020-2026
APR = annual percentage rate and reflects the current minimum APR offered.
Down Payment: 10%
As low as
As low as; **
Rate examples are based on FICO score of 730 or higher, with Member Rewards. Lower rates may apply for terms less than 60 months. Does not include insurances.
Year: 2020-2026
UP to 90% LTV ADD 1% TO RATE FOR 91% to 100% LTV
Term: 72 months (2023-2026)
Term: 60 months (2021-2026)
As low as; USED 4+ YRS OLD-APR
Model Year: Up to 2 model years old (Minimum $25K)
Down Payment: 10%
Published APR range: 6.14-9.65%*; Published rate range: 6.00-9.50%. Maximum Loan-to-Value: 100%
Published APR range: 6.14-9.65%*; Published rate range: 6.00-9.50%. Maximum Loan-to-Value: 100%
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a new car would have a 6.24% APR for 60 months, monthly payment of $875.01 for $45,000 financing, down payment of $0
Additional APR listed for this product: 6.49%. Rate examples are based on FICO score of 730 or higher, with Member Rewards. Lower rates may apply for terms less than 60 months. Does not include insurances.
Term: 72 months (2023-2026)
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a used 2022 year car would have a 6.29% APR for 60 months, monthly payment of $584.04 for $30,000 financing, down payment of $0
APR = annual percentage rate and reflects the current minimum APR offered.
Published APR range: 6.36-9.62%*; Published rate range: 6.25-9.50%. Maximum Loan-to-Value: 100%
Published APR range: 6.36-9.62%*; Published rate range: 6.25-9.50%. Maximum Loan-to-Value: 100%
As low as; ** ***
Published APR range: 6.59-10.10%*; Published rate range: 6.50-10.00%. Maximum Loan-to-Value: 100%
Published APR range: 6.59-10.10%*; Published rate range: 6.50-10.00%. Maximum Loan-to-Value: 100%
Down Payment: 10%
Term: 84 months (2024-2026)
Published APR range: 6.83-10.33%*; Published rate range: 6.75-10.25%. Maximum Loan-to-Value: 100%
Published APR range: 6.83-10.33%*; Published rate range: 6.75-10.25%. Maximum Loan-to-Value: 100%
Year: 2020-2026
UP to 90% LTV ADD 1% TO RATE FOR 91% to 100% LTV
Term: 84 months (2024-2026)
Model Year: New Only
Model Year: New Only (Minimum $35K)
Rates assume payments will be automatically deducted from an NBT Bank checking or money market account. Add .50% to the rate if the automatic payment feature is not selected. To qualify for this rate, the minimum loan amount is $5,000, minimum credit score is 730, and maximum term is 48 months. Payment Examples: On a $15,000 loan, the payment would be $364.58 per month for 48 months with a 7.77% APR.
Rates assume payments will be automatically deducted from an NBT Bank checking or money market account. Add .50% to the rate if the automatic payment feature is not selected. To qualify for this rate, the minimum loan amount is $5,000, minimum credit score is 730, and maximum term is 48 months. Payment Examples: On a $15,000 loan, the payment would be $364.58 per month for 48 months with a 7.77% APR.
Year: New Only*
Published APR range: 8.24 - 12.30%**; Published rate range: 7.00-11.00%. Maximum Loan-to-Value: 100%; Model Year: 2022 to 2026
Published APR range: 8.46 - 12.52%**; Published rate range: 7.00-11.00%. Maximum Loan-to-Value: 100%; Model Year: 2022 to 2026
Published APR range: 8.71 - 14.30%**; Published rate range: 7.25-12.75%. Maximum Loan-to-Value: 100%; Model Year: 2018 to 2021
Published APR range: 9.55 - 14.89%**; Published rate range: 7.75-13.00%. Maximum Loan-to-Value: 90%; Model Year: 2013 to 2017
UP to 90% LTV ADD 1% TO RATE FOR 91% to 100% LTV
As low as
As low as
Published APR range: 11.37 - 15.69%**; Published rate range: 9.00-13.25%. Maximum Loan-to-Value: 90%; Model Year: 2012 & Older
UP to 70% LTV
Down Payment: 0%
Down Payment: 0%
As low as
Down Payment: 0%
Down Payment: 0%
As low as
As low as
As low as
Up to 90% LTV
Term: 24 months (2011-2026)
Down Payment: 0%
Down Payment: 0%
Down Payment: 0%
Down Payment: 0%
Term: 36 months (2011-2026)
As low as
Down Payment: 0%
Down Payment: 0%
Term: 48 months (2020-2026)
Term: 60 months (2021-2026)
Rate examples are based on a FICO score of 730 or higher, having 10% down payment, with Member Rewards. Lower rates may apply for terms less than 60 months. Does not include insurances.
As low as
As low as; **
Rate examples are based on FICO score of 730 or higher, with Member Rewards. Lower rates may apply for terms less than 60 months. Does not include insurances.
UP to 90% LTV ADD 1% TO RATE FOR 91% to 100% LTV
Term: 72 months (2023-2026)
Published APR range: 6.14-9.65%*; Published rate range: 6.00-9.50%. Maximum Loan-to-Value: 100%
Published APR range: 6.14-9.65%*; Published rate range: 6.00-9.50%. Maximum Loan-to-Value: 100%
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a new car would have a 6.24% APR for 60 months, monthly payment of $875.01 for $45,000 financing, down payment of $0
Additional APR listed for this product: 6.49%. Rate examples are based on FICO score of 730 or higher, with Member Rewards. Lower rates may apply for terms less than 60 months. Does not include insurances.
Published APR range: 6.36-9.62%*; Published rate range: 6.25-9.50%. Maximum Loan-to-Value: 100%
Published APR range: 6.36-9.62%*; Published rate range: 6.25-9.50%. Maximum Loan-to-Value: 100%
As low as; ** ***
Published APR range: 6.59-10.10%*; Published rate range: 6.50-10.00%. Maximum Loan-to-Value: 100%
Published APR range: 6.59-10.10%*; Published rate range: 6.50-10.00%. Maximum Loan-to-Value: 100%
Term: 84 months (2024-2026)
Published APR range: 6.83-10.33%*; Published rate range: 6.75-10.25%. Maximum Loan-to-Value: 100%
Published APR range: 6.83-10.33%*; Published rate range: 6.75-10.25%. Maximum Loan-to-Value: 100%
Model Year: New Only (Minimum $35K)
Rates assume payments will be automatically deducted from an NBT Bank checking or money market account. Add .50% to the rate if the automatic payment feature is not selected. To qualify for this rate, the minimum loan amount is $5,000, minimum credit score is 730, and maximum term is 48 months. Payment Examples: On a $15,000 loan, the payment would be $364.58 per month for 48 months with a 7.77% APR.
As low as
As low as
As low as
As low as
As low as
Term: 24 months (2011-2026)
As low as
Term: 36 months (2011-2026)
Rate examples are based on a FICO score of 730 or higher, having 10% down payment, with Member Rewards. Lower rates may apply for terms less than 60 months. Does not include insurances.
Term: 48 months (2020-2026)
As low as
As low as; **
Rate examples are based on FICO score of 730 or higher, with Member Rewards. Lower rates may apply for terms less than 60 months. Does not include insurances.
UP to 90% LTV ADD 1% TO RATE FOR 91% to 100% LTV
Term: 60 months (2021-2026)
Additional APR listed for this product: 6.49%. Rate examples are based on FICO score of 730 or higher, with Member Rewards. Lower rates may apply for terms less than 60 months. Does not include insurances.
Term: 72 months (2023-2026)
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a used 2022 year car would have a 6.29% APR for 60 months, monthly payment of $584.04 for $30,000 financing, down payment of $0
As low as; ** ***
UP to 90% LTV ADD 1% TO RATE FOR 91% to 100% LTV
Term: 84 months (2024-2026)
Rates assume payments will be automatically deducted from an NBT Bank checking or money market account. Add .50% to the rate if the automatic payment feature is not selected. To qualify for this rate, the minimum loan amount is $5,000, minimum credit score is 730, and maximum term is 48 months. Payment Examples: On a $15,000 loan, the payment would be $364.58 per month for 48 months with a 7.77% APR.
Published APR range: 8.24 - 12.30%**; Published rate range: 7.00-11.00%. Maximum Loan-to-Value: 100%; Model Year: 2022 to 2026
Published APR range: 8.46 - 12.52%**; Published rate range: 7.00-11.00%. Maximum Loan-to-Value: 100%; Model Year: 2022 to 2026
Published APR range: 8.71 - 14.30%**; Published rate range: 7.25-12.75%. Maximum Loan-to-Value: 100%; Model Year: 2018 to 2021
Published APR range: 9.55 - 14.89%**; Published rate range: 7.75-13.00%. Maximum Loan-to-Value: 90%; Model Year: 2013 to 2017
UP to 90% LTV ADD 1% TO RATE FOR 91% to 100% LTV
As low as
Published APR range: 11.37 - 15.69%**; Published rate range: 9.00-13.25%. Maximum Loan-to-Value: 90%; Model Year: 2012 & Older
Compare local Old Bennington, VT 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.
Vermont new auto rates rose 0.366 points over the past 7 days to 5.755% APR.
Vermont used auto rates fell 0.346 points over the past 7 days to 6.511% APR.
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Vermont figures.
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
Estimated monthly payments on a standard 60-month auto loan at today’s average Vermont APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.75% APR VT average | Used Auto @ 6.51% APR VT average | Monthly Difference |
|---|---|---|---|
| $15,000 | $288.29/mo | $293.57/mo | $5.28/mo |
| $25,000 | $480.48/mo | $489.28/mo | $8.81/mo |
| $35,000 | $672.67/mo | $685.00/mo | $12.33/mo |
| $45,000 | $864.86/mo | $880.71/mo | $15.85/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
A preapproval from a bank or credit union serving Old Bennington, Vermont locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
Credit unions consistently offer some of the lowest auto loan APRs in Vermont. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
Local demographics and economic context for car buyers. Source: U.S. Census Bureau (state-level data shown; city data not available)
A $577 monthly car payment works out to roughly 15.1% of the median individual income in Vermont. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.
An auto loan isn’t the only way to finance a vehicle in Old Bennington, Vermont, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1 to 3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0 to 2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Estimate your monthly payment on a new or used vehicle in Old Bennington, Vermont. We’ve prefilled the APR with today’s VT new-auto average, or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Old Bennington, Vermont auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Old Bennington, Vermont directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Old Bennington, Vermont. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in VT.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.
| Credit Tier | Score Range | New Car APR | Used Car APR | $25,000 Used, 60 Mo. |
|---|---|---|---|---|
| Super prime | 781 to 850 | 4.41% | 6.29% | $487/mo |
| Prime | 661 to 780 | 6.15% | 8.81% | $517/mo |
| Near prime | 601 to 660 | 9.71% | 13.93% | $581/mo |
| Subprime | 501 to 600 | 13.52% | 19.10% | $650/mo |
| Deep subprime | 300 to 500 | 16.11% | 21.62% | $685/mo |
Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.
A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.
A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.
A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.
A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.
These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.