Saint Johnsbury Center, VT Auto Loan Rates - September 2026
Brian McKay
Brian McKay
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Current auto loan rates in Saint Johnsbury Center, Vermont include Northern Lights Federal Credit UnionNorthern Lights Federal Credit UnionA+5.0 ★Texas Ratio: 1.64% offering New Ride Auto Loan at 3.79%, Vermont Federal Credit UnionVermont Federal Credit UnionA+5.0 ★Texas Ratio: 3.55% offering Electric/Hybrid Auto Loan - 24 Months at 4.40%, EastRise Credit UnionEastRise Credit UnionA+5.0 ★Texas Ratio: 3.19% offering Green Vehicle Loan - 24 months at 4.60%, Northfield Savings BankNorthfield Savings BankA+5.0 ★Texas Ratio: 3.85% offering Business New Auto Loan at 4.62%, ORLEX Government Employees Credit UnionORLEX Government Employees Credit UnionA+5.0 ★Texas Ratio: 5.36% offering New Auto Loan at 5.00%. Auto loan rates as of September 16, 2026 according to verified data from MonitorBankRates.
Saint Johnsbury Center borrowers have access to 13 lenders serving the Vermont 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, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Saint Johnsbury Center, Vermont. Auto Loan Rates Last Updated and Verified: September 16, 2026
Compare Auto Loan Rates Today in Saint Johnsbury Center, Vermont & Surrounding Area
Saint Johnsbury Center Auto Loan Rates
Rates may vary based on credit worthiness
Model Year: Up to 10 model years old
Model Year: Up to 10 model years old
APR as low as
Down Payment: 0%
Down Payment: 0%
Model Year: Up to 5 model years old
APR as low as
Model Year: Up to 4 model years old
Down Payment: 0%
Down Payment: 0%
APR as low as
Model Year: Up to 10 model years old
Model Year: Up to 3 model years old (Minimum $15K)
Model Year: 2011-2026
As low as; RVs, ATVs, Campers, Snow Machines, Boats
As low as; RVs, ATVs, Campers, Snow Machines, Boats
As low as; RVs, ATVs, Campers, Snow Machines, Boats
As low as; RVs, ATVs, Campers, Snow Machines, Boats
As low as; RVs, ATVs, Campers, Snow Machines, Boats
As low as; RVs, ATVs, Campers, Snow Machines, Boats
As low as; RVs, ATVs, Campers, Snow Machines, Boats
As low as; RVs, ATVs, Campers, Snow Machines, Boats
APR as low as
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 as low as
Model Year: 2011-2026
Model Year: 2011-2026
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)
Model Year: 2020-2026
Model Year: 2021-2026
Model Year: 2011-2026
As low as; RVs, ATVs, Campers, Snow Machines, Boats
As low as; RVs, ATVs, Campers, Snow Machines, Boats
As low as; RVs, ATVs, Campers, Snow Machines, Boats
As low as; RVs, ATVs, Campers, Snow Machines, Boats
As low as; RVs, ATVs, Campers, Snow Machines, Boats
As low as; RVs, ATVs, Campers, Snow Machines, Boats
Model Year: Up to 2 model years old (Minimum $25K)
Down Payment: 10%
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.
Model Year: 2020-2026
Year: 2020-2026
APR as low as
Down Payment: 10%
Down Payment: 10%
APR based on 60 months and $45,000; For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
APR based on 60 months and $30,000; For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
As Low As; **
Rate examples are based on FICO score of 730 or higher, 60 month term with Member Rewards discounts applied. Lower rates may apply for terms less than 60 months. Does not include insurances.
Year: 2020-2026
Model Year: 2023-2026
Model Year: 2021-2026
As low as; RVs, ATVs, Campers, Snow Machines, Boats
Model Year: Up to 2 model years old (Minimum $25K)
Down Payment: 10%
Down Payment: 10%
APR range: 6.14-9.65%*; Loan-to-Value: 100%
APR range: 6.14-9.65%*; Loan-to-Value: 100%
Rate examples are based on FICO score of 730 or higher, 60 month term with Member Rewards discounts applied. Lower rates may apply for terms less than 60 months. Does not include insurances.
Model Year: 2023-2026
APR as low as
APR range: 6.36-9.62%*; Loan-to-Value: 100%
APR range: 6.36-9.62%*; Loan-to-Value: 100%
As Low As; ***
Rate examples are based on FICO score of 730 or higher, 60 month term with Member Rewards discounts applied. Lower rates may apply for terms less than 60 months. Does not include insurances.
APR range: 6.59-10.10%*; Loan-to-Value: 100%
APR range: 6.59-10.10%*; Loan-to-Value: 100%
Down Payment: 10%
Down Payment: 10%
Model Year: 2024-2026
APR range: 6.83-10.33%*; Loan-to-Value: 100%
APR range: 6.83-10.33%*; Loan-to-Value: 100%
Year: 2020-2026
Model Year: 2024-2026
Model Year: New Only (Min $35K)
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. Lowest APR available on approved credit. Your actual APR may vary. The APR is based on borrower credit profile (as reported to NBT Bank by an outside reporting agency), collateral type, loan amount, term, lien position, and loan to value ratio. APR shown is current as of 07/20/2026 and is subject to change. NBT Bank loans are only available in Connecticut, Maine, Massachusetts, New Hampshire, New York, Pennsylvania and Vermont.
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. Lowest APR available on approved credit. Your actual APR may vary. The APR is based on borrower credit profile (as reported to NBT Bank by an outside reporting agency), collateral type, loan amount, term, lien position, and loan to value ratio. APR shown is current as of 07/20/2026 and is subject to change. NBT Bank loans are only available in Connecticut, Maine, Massachusetts, New Hampshire, New York, Pennsylvania and Vermont.
Category: 2022 to 2026; Maximum Loan-to-Value: 100%; APR range: 8.24 - 12.30%**
Category: 2022 to 2026; Maximum Loan-to-Value: 100%; APR range: 8.46 - 12.52%**
Category: 2018 to 2021; Maximum Loan-to-Value: 100%; APR range: 8.71 - 14.30%**
Category: 2013 to 2017; Maximum Loan-to-Value: 90%; APR range: 9.55 - 14.89%**
As Low As
Category: 2012 & Older; Maximum Loan-to-Value: 90%; APR range: 11.37 - 15.69%**
As Low As
Saint Johnsbury Center New Auto Auto Loan Rates
Rates may vary based on credit worthiness
Down Payment: 0%
Down Payment: 0%
Down Payment: 0%
Down Payment: 0%
Model Year: 2011-2026
As low as; RVs, ATVs, Campers, Snow Machines, Boats
As low as; RVs, ATVs, Campers, Snow Machines, Boats
As low as; RVs, ATVs, Campers, Snow Machines, Boats
As low as; RVs, ATVs, Campers, Snow Machines, Boats
Down Payment: 0%
Down Payment: 0%
Down Payment: 0%
Down Payment: 0%
Model Year: 2011-2026
Down Payment: 0%
Down Payment: 0%
Model Year: 2020-2026
Model Year: 2021-2026
As low as; RVs, ATVs, Campers, Snow Machines, Boats
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.
APR based on 60 months and $45,000; For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
As Low As; **
Rate examples are based on FICO score of 730 or higher, 60 month term with Member Rewards discounts applied. Lower rates may apply for terms less than 60 months. Does not include insurances.
Model Year: 2023-2026
APR range: 6.14-9.65%*; Loan-to-Value: 100%
APR range: 6.14-9.65%*; Loan-to-Value: 100%
Rate examples are based on FICO score of 730 or higher, 60 month term with Member Rewards discounts applied. Lower rates may apply for terms less than 60 months. Does not include insurances.
APR range: 6.36-9.62%*; Loan-to-Value: 100%
APR range: 6.36-9.62%*; Loan-to-Value: 100%
As Low As; ***
Rate examples are based on FICO score of 730 or higher, 60 month term with Member Rewards discounts applied. Lower rates may apply for terms less than 60 months. Does not include insurances.
APR range: 6.59-10.10%*; Loan-to-Value: 100%
APR range: 6.59-10.10%*; Loan-to-Value: 100%
Model Year: 2024-2026
APR range: 6.83-10.33%*; Loan-to-Value: 100%
APR range: 6.83-10.33%*; 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. Lowest APR available on approved credit. Your actual APR may vary. The APR is based on borrower credit profile (as reported to NBT Bank by an outside reporting agency), collateral type, loan amount, term, lien position, and loan to value ratio. APR shown is current as of 07/20/2026 and is subject to change. NBT Bank loans are only available in Connecticut, Maine, Massachusetts, New Hampshire, New York, Pennsylvania and Vermont.
As Low As
Saint Johnsbury Center Used Auto Auto Loan Rates
As low as; RVs, ATVs, Campers, Snow Machines, Boats
As low as; RVs, ATVs, Campers, Snow Machines, Boats
As low as; RVs, ATVs, Campers, Snow Machines, Boats
As low as; RVs, ATVs, Campers, Snow Machines, Boats
Model Year: 2011-2026
Model Year: 2011-2026
As low as; RVs, ATVs, Campers, Snow Machines, Boats
As low as; RVs, ATVs, Campers, Snow Machines, Boats
As low as; RVs, ATVs, Campers, Snow Machines, Boats
As low as; RVs, ATVs, Campers, Snow Machines, Boats
As low as; RVs, ATVs, Campers, Snow Machines, Boats
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.
Model Year: 2020-2026
Down Payment: 10%
APR based on 60 months and $30,000; For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
As Low As; **
Rate examples are based on FICO score of 730 or higher, 60 month term with Member Rewards discounts applied. Lower rates may apply for terms less than 60 months. Does not include insurances.
Model Year: 2021-2026
As low as; RVs, ATVs, Campers, Snow Machines, Boats
Down Payment: 10%
Rate examples are based on FICO score of 730 or higher, 60 month term with Member Rewards discounts applied. Lower rates may apply for terms less than 60 months. Does not include insurances.
Model Year: 2023-2026
As Low As; ***
Rate examples are based on FICO score of 730 or higher, 60 month term with Member Rewards discounts applied. Lower rates may apply for terms less than 60 months. Does not include insurances.
Down Payment: 10%
Model Year: 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. Lowest APR available on approved credit. Your actual APR may vary. The APR is based on borrower credit profile (as reported to NBT Bank by an outside reporting agency), collateral type, loan amount, term, lien position, and loan to value ratio. APR shown is current as of 07/20/2026 and is subject to change. NBT Bank loans are only available in Connecticut, Maine, Massachusetts, New Hampshire, New York, Pennsylvania and Vermont.
Category: 2022 to 2026; Maximum Loan-to-Value: 100%; APR range: 8.24 - 12.30%**
Category: 2022 to 2026; Maximum Loan-to-Value: 100%; APR range: 8.46 - 12.52%**
Category: 2018 to 2021; Maximum Loan-to-Value: 100%; APR range: 8.71 - 14.30%**
Category: 2013 to 2017; Maximum Loan-to-Value: 90%; APR range: 9.55 - 14.89%**
Category: 2012 & Older; Maximum Loan-to-Value: 90%; APR range: 11.37 - 15.69%**
As Low As
Saint Johnsbury Center, VT Auto Loan Rate Trends
Compare local Saint Johnsbury Center, 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 fell 1.328 points over the past 7 days to 5.428% APR.
Vermont used auto rates rose 0.300 points over the past 7 days to 9.968% APR.
Saint Johnsbury Center, VT Auto Loan Rate Forecast, Next 12 Months
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.
Forecast Methodology & Assumptions
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.
What Would Your Monthly Car Payment Be?
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 @ 5.43% APR VT average | Used Auto @ 9.97% APR VT average | Monthly Difference |
|---|---|---|---|
| $15,000 | $286.02/mo | $318.47/mo | $32.45/mo |
| $25,000 | $476.70/mo | $530.78/mo | $54.08/mo |
| $35,000 | $667.38/mo | $743.10/mo | $75.71/mo |
| $45,000 | $858.06/mo | $955.41/mo | $97.34/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.
How to Get the Best Auto Loan Rate in Saint Johnsbury Center, Vermont
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Saint Johnsbury Center, 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.
Check Credit Unions First
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.
Choose the Shortest Term You Can Afford
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.
Mind the New vs. Used Rate Spread
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.
- Saving up for a bigger down payment: park it in a Saint Johnsbury Center, Vermont high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Saint Johnsbury Center, Vermont CD rates lock in a guaranteed return until you’re ready to buy
Vermont Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau (state-level data shown; city data not available)
A $572 monthly car payment works out to roughly 14.9% of the median individual income in Vermont. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15–20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Saint Johnsbury Center, 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 1–3 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 (0–2.9% 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.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Saint Johnsbury Center, 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.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Saint Johnsbury Center, 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 Saint Johnsbury Center, 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 Saint Johnsbury Center, 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.
Frequently Asked Questions about Auto Loans in Saint Johnsbury Center, Vermont
How does my credit score affect my car loan rate in Vermont?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
Should I get preapproved for an auto loan before visiting a dealer in Saint Johnsbury Center, Vermont?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
What are the best Auto Loan rates in Saint Johnsbury Center, Vermont?
- Northern Lights Federal Credit Union: 3.79% (New Ride Auto Loan)
- Vermont Federal Credit Union: 4.40% (Electric/Hybrid Auto Loan - 24 Months)
- EastRise Credit Union: 4.60% (Green Vehicle Loan - 24 months)
- Northfield Savings Bank: 4.62% (Business New Auto Loan)
- ORLEX Government Employees Credit Union: 5.00% (New Auto Loan)
Saint Johnsbury Center, Vermont Rates & Resources
