Derry, New Hampshire Best Auto Loan Rates for November 2026
Brian McKay
Brian McKay
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Derry, New Hampshire auto loan rates range from 3.79% to 12.37% APR, verified by MonitorBankRates as of November 9, 2026. Current auto loan rates in Derry, New Hampshire include Triangle Credit UnionTriangle Credit Union3 Windham Rd, Derry, NH, 03038A+5.0 ★Texas Ratio: 4.04%Rate verified Nov 9, 2026 offering Business Vehicle Equity Loan - 2021 & Newer at 9.63%, Northern Lights Federal Credit UnionNorthern Lights Federal Credit UnionA+5.0 ★Texas Ratio: 1.37%Rate verified Nov 8, 2026 offering Auto Loan at 3.79%, BrightBridge Credit UnionBrightBridge Credit UnionA+5.0 ★Texas Ratio: 5.49%Rate verified Nov 9, 2026 offering Auto Loan - Model Years 2026-2021 at 4.74%, New Hampshire Postal Credit UnionNew Hampshire Postal Credit UnionA+5.0 ★Texas Ratio: 0.02%Rate verified Nov 8, 2026 offering New Auto Loan - 60 months at 4.75%, GFA Federal Credit UnionGFA Federal Credit UnionA+5.0 ★Texas Ratio: 5.25%Rate verified Nov 7, 2026 offering Auto Loan at 4.99%. Auto loan rates as of November 9, 2026 according to verified data from MonitorBankRates.
Derry has 1 local institution in our database, with auto loan rates as low as 9.63% APR from Triangle Credit Union at 3 Windham Rd, Derry, NH, 03038. 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 Derry, New Hampshire. Auto Loan Rates Last Updated and Verified: November 9, 2026
Compare Auto Loan Rates Today in Derry, New Hampshire & Surrounding Area
Derry Auto Loan Rates
Model Year: 2021 & Newer; 90% NADA Value; Rates quoted for Automatic Payment Method and eStatements for full term of the loan, otherwise add .25%
As Low As; Rates may vary based on credit worthiness
As Low As; Model Years 2026 - 2021; Direct deposit of at least $1,000 per month into any deposit account must be initiated within 45 days of loan closing, or the rate increases by 0.50%; Advertised rate(s) available on New & Used Vehicle Loans of Model Year 2021 or Newer with maximum LTV of 100% or less
Add .25% on all rates without direct deposit & automatic payment
Auto loan; APR*
- Oct 5, 20264.99%▲ from 4.64%
- Sep 14, 20264.64%first recorded
As Low As; Rate posted for 740+ FICO credit score; Monthly payment per $1,000: $29.97; Vehicle types: New/Used Auto (Model Years 2024-2026) and Used Auto (Model Years < 2024); Maximum age of vehicle is 10 years old; Credit union membership is required
As Low As; Rate posted for 740+ FICO credit score; Vehicle types on page: New/Used Auto (Model Years 2024-2026) and Used Auto (Model Years < 2024); Maximum age of vehicle is 10 years old
As Low As; Rate posted for 740+ FICO credit score; Not available for commercial purpose vehicles; Maximum age of vehicle is 10 years old
As Low As; Rate posted for 740+ FICO credit score; Not available for commercial purpose vehicles; Maximum age of vehicle is 10 years old
As Low As; Rate posted for 740+ FICO credit score; Not available for commercial purpose vehicles; Maximum age of vehicle is 10 years old
As Low As; Rate posted for 740+ FICO credit score; Not available for commercial purpose vehicles; Maximum age of vehicle is 10 years old
As Low As; Rate posted for 740+ FICO credit score; Not available for commercial purpose vehicles; Maximum age of vehicle is 10 years old
As Low As; Rate posted for 740+ FICO credit score; Not available for commercial purpose vehicles; Maximum age of vehicle is 10 years old
As Low As; Model Years 2026 - 2021; Direct deposit of at least $1,000 per month into any deposit account must be initiated within 45 days of loan closing, or the rate increases by 0.50%; Advertised rate(s) available on New & Used Vehicle Loans of Model Year 2021 or Newer with maximum LTV of 100% or less
As Low As; Model Years 2026 - 2021; Direct deposit of at least $1,000 per month into any deposit account must be initiated within 45 days of loan closing, or the rate increases by 0.50%; Advertised rate(s) available on New & Used Vehicle Loans of Model Year 2021 or Newer with maximum LTV of 100% or less
APR
Rates effective November 5, 2026; APR shown for new or used cars, trucks, and vans; up to 130% LTV subject to underwriting
Rates effective November 5, 2026; APR shown for new or used cars, trucks, and vans; up to 130% LTV subject to underwriting
Rates effective November 5, 2026; APR shown for new or used cars, trucks, and vans; up to 130% LTV subject to underwriting
Rates listed for new or used cars, trucks, and vans; published rate includes 0.50% discount with qualifying direct deposit of at least $500 per month and electronic loan payment; rates effective November 5, 2026
- Nov 5, 20265.24%▲ from 4.99%
- Oct 22, 20264.99%first recorded
Rates listed for new or used cars, trucks, and vans; published rate includes 0.50% discount with qualifying direct deposit of at least $500 per month and electronic loan payment; rates effective November 5, 2026
- Nov 5, 20265.24%▲ from 4.99%
- Oct 22, 20264.99%first recorded
Rates listed for new or used cars, trucks, and vans; published rate includes 0.50% discount with qualifying direct deposit of at least $500 per month and electronic loan payment; rates effective November 5, 2026
- Nov 5, 20265.24%▲ from 4.99%
- Oct 22, 20264.99%first recorded
Loan minimum: $20,000; Add .25% on all rates without direct deposit & automatic payment
Auto loan; APR*
- Oct 5, 20265.49%▲ from 5.14%
- Sep 14, 20265.14%first recorded
As Low As; Rate posted for 740+ FICO credit score; Not available for commercial purpose vehicles; Maximum age of vehicle is 10 years old
As Low As; Rate posted for 740+ FICO credit score; Not available for commercial purpose vehicles; Maximum age of vehicle is 10 years old
As Low As; Applies to New/Used Auto (Model Years 2024-2026) or Used Auto (Model Years 2021-2023); Rate posted for 740+ FICO credit score; APR may vary based on personal credit history; Maximum age of vehicle is 10 years old
As Low As; Model Years 2026 - 2021; Direct deposit of at least $1,000 per month into any deposit account must be initiated within 45 days of loan closing, or the rate increases by 0.50%; Advertised rate(s) available on New & Used Vehicle Loans of Model Year 2021 or Newer with maximum LTV of 100% or less
As Low As; Model Years 2026 - 2021; Direct deposit of at least $1,000 per month into any deposit account must be initiated within 45 days of loan closing, or the rate increases by 0.50%; Advertised rate(s) available on New & Used Vehicle Loans of Model Year 2021 or Newer with maximum LTV of 100% or less
As Low As; New vehicles only (current or coming model year); 0.25% reduction for auto-payment from a Pentucket Bank deposit account; maximum loan amount $100,000; available to MA, NH, and ME residents; up to 110% loan to value
As Low As; Maximum loan amount $100,000; APR reflects 0.25% auto-pay reduction from a Pentucket Bank deposit account; available to MA, NH, and ME residents; vehicle must be new model year
As Low As; Maximum loan amount: $100,000; APR assumes excellent borrower credit; includes 0.25% auto-payment reduction from a Newburyport Bank deposit account; Massachusetts, New Hampshire, and Maine residents only; vehicle must be new; displayed terms for loans up to 110% loan to value
Minimum loan amount $20,000; APR
As Low As; Fixed-rate new car loan; 60-month option; as of Nov. 5, 2026; excludes additional BofA Rewards discount up to 0.50%
As Low As; Model Year: 2026-2024; Purchases or Refinances; Rates effective October 22, 2026; Applicants must reside in New Hampshire; Maximum mileage 100,000
- Oct 26, 20265.69%▲ from 5.39%
- Sep 18, 20265.39%▲ from 5.29%
- Sep 14, 20265.29%first recorded
Rates effective November 5, 2026; APR shown for new or used cars, trucks, and vans; up to 130% LTV subject to underwriting
Rates listed for new or used cars, trucks, and vans; published rate includes 0.50% discount with qualifying direct deposit of at least $500 per month and electronic loan payment; rates effective November 5, 2026
- Nov 5, 20265.74%▲ from 5.49%
- Oct 22, 20265.49%first recorded
As Low As; Model Year: 2026-2024
- Oct 1, 20265.74%▲ from 5.49%
- Sep 18, 20265.49%▲ from 5.24%
- Sep 14, 20265.24%first recorded
Maximum loan amount: $75,000
- Oct 14, 20265.75%▲ from 5.50%
- Oct 8, 20265.50%▼ from 5.75%
- Sep 16, 20265.75%first recorded
As Low As; New vehicles only (current or coming model year); 0.25% reduction for auto-payment from a Pentucket Bank deposit account; maximum loan amount $100,000; available to MA, NH, and ME residents; up to 110% loan to value
As Low As; Maximum loan amount $100,000; APR reflects 0.25% auto-pay reduction from a Pentucket Bank deposit account; available to MA, NH, and ME residents; vehicle must be new model year
As Low As; Maximum loan amount: $100,000; APR assumes excellent borrower credit; includes 0.25% auto-payment reduction from a Newburyport Bank deposit account; Massachusetts, New Hampshire, and Maine residents only; vehicle must be new; displayed terms for loans up to 110% loan to value
As Low As; maximum loan amount $75,000; $23.37 monthly payment per $1,000 borrowed; vehicle age 10 years or less; includes 0.25% auto-pay reduction
Model Year: 2024 to 2026; Fees: $50
- Nov 8, 20265.79%▲ from 5.54%
- Oct 9, 20265.54%first recorded
Model Year: 2019 to 2023; Fees: $50
- Nov 8, 20265.79%▲ from 5.54%
- Oct 9, 20265.54%first recorded
As Low As; Model Year: 2026-2024; Purchases or Refinances; Rates effective October 22, 2026; Applicants must reside in New Hampshire; Maximum mileage 100,000
- Oct 26, 20265.79%▲ from 5.49%
- Sep 14, 20265.49%first recorded
As Low As; Model Year: 2023-2020; Purchases or Refinances; Rates effective October 22, 2026; Applicants must reside in New Hampshire; Maximum mileage 100,000
- Oct 26, 20265.79%▲ from 5.39%
- Sep 18, 20265.39%▲ from 5.29%
- Sep 14, 20265.29%first recorded
As Low As; Fixed-rate used car loan; 60-month option; as of Nov. 5, 2026; excludes additional BofA Rewards discount up to 0.50%
Effective Date: October 9, 2026; Vehicle Year: 2026 - 2024; Up to 125% financed
Minimum loan for 75 month term is $15,000
As Low As; Model Year: 2023-2020; Purchases or Refinances; Rates effective October 22, 2026; Applicants must reside in New Hampshire; Maximum mileage 100,000
- Oct 26, 20265.89%▲ from 5.49%
- Sep 14, 20265.49%first recorded
As Low As; Model Year: 2026 - 2022; Payment per $1000 borrowed: $30.42; Stated rates are .50% higher without automatic payments from a JDCU account; $63 VSI charge and $5.00 Membership Account required
- Oct 5, 20265.99%▲ from 4.99%
- Sep 16, 20264.99%first recorded
As Low As; Model Year: 2026 - 2022; Payment per $1000 borrowed: $23.48; Stated rates are .50% higher without automatic payments from a JDCU account; $63 VSI charge and $5.00 Membership Account required
- Oct 5, 20265.99%▲ from 4.99%
- Sep 16, 20264.99%first recorded
As Low As; Model Year: 2026 - 2022; Payment per $1000 borrowed: $18.05; Stated rates are .50% higher without automatic payments from a JDCU account; $63 VSI charge and $5.00 Membership Account required
- Oct 5, 20265.99%▲ from 5.75%
- Sep 16, 20265.75%first recorded
As Low As; Model Year: 2026 - 2022; Payment per $1000 borrowed: $16.02; Stated rates are .50% higher without automatic payments from a JDCU account; $63 VSI charge and $5.00 Membership Account required
- Oct 5, 20265.99%▲ from 5.49%
- Sep 16, 20265.49%first recorded
As Low As; Model Year: 2023-2019
- Oct 1, 20265.99%▲ from 5.49%
- Sep 14, 20265.49%first recorded
Maximum loan amount: $75,000
- Oct 14, 20266.00%▲ from 5.75%
- Oct 8, 20265.75%▼ from 6.00%
- Sep 16, 20266.00%first recorded
As Low As; New vehicles only (current or coming model year); 0.25% reduction for auto-payment from a Pentucket Bank deposit account; maximum loan amount $100,000; available to MA, NH, and ME residents; up to 110% loan to value
As Low As; Maximum loan amount $100,000; APR reflects 0.25% auto-pay reduction from a Pentucket Bank deposit account; available to MA, NH, and ME residents; vehicle must be new model year
As Low As; Maximum loan amount: $100,000; APR assumes excellent borrower credit; includes 0.25% auto-payment reduction from a Newburyport Bank deposit account; Massachusetts, New Hampshire, and Maine residents only; vehicle must be new; displayed terms for loans up to 110% loan to value
As Low As; maximum loan amount $75,000; $19.34 monthly payment per $1,000 borrowed; vehicle age 10 years or less; includes 0.25% auto-pay reduction
As Low As; Model Year: 2026-2024
- Oct 1, 20266.04%▲ from 5.99%
- Sep 18, 20265.99%▲ from 5.54%
- Sep 14, 20265.54%first recorded
Financing amount: $45,000; For online applicants with an excellent credit history
- Oct 31, 20266.09%▲ from 6.04%
- Oct 26, 20266.04%▼ from 6.24%
- Oct 14, 20266.24%first recorded
Financing amount: $30,000; For online applicants with an excellent credit history
- Oct 26, 20266.09%▼ from 6.29%
- Oct 14, 20266.29%first recorded
APR based on 60 months and $45,000 financing; for online applicants with excellent credit; new car purchase
- Oct 31, 20266.09%▼ from 6.24%
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
APR based on 60 months and $30,000 financing; for online applicants with excellent credit; used car purchase
- Oct 31, 20266.09%▼ from 6.29%
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
As Low As; Model Year: 2026-2024; Purchases or Refinances; Rates effective October 22, 2026; Applicants must reside in New Hampshire; Maximum mileage 100,000
- Oct 26, 20266.19%▲ from 5.89%
- Sep 14, 20265.89%first recorded
Loan minimum: $30,000; Add .25% on all rates without direct deposit & automatic payment
Model Year: 2019 to 2023; Fees: $50
- Nov 8, 20266.29%▲ from 6.04%
- Oct 9, 20266.04%first recorded
As Low As; Model Year: 2023-2020; Purchases or Refinances; Rates effective October 22, 2026; Applicants must reside in New Hampshire; Maximum mileage 100,000
- Oct 26, 20266.29%▲ from 5.89%
- Sep 14, 20265.89%first recorded
Effective Date: October 9, 2026; Vehicle Year: 2023 - 2020; Up to 125% financed
- Oct 19, 20266.34%▲ from 5.84%
- Oct 9, 20265.84%first recorded
- Oct 5, 20266.34%▲ from 5.99%
- Sep 14, 20265.99%first recorded
Effective Date: October 9, 2026; Vehicle Year: 2026 - 2024; Up to 125% financed
Model Year: 2024 to 2026; Fees: $50; Loan term available based on evaluation of applicant's credit
- Nov 8, 20266.39%▼ from 6.54%
- Oct 9, 20266.54%first recorded
Effective Date: October 9, 2026; Vehicle Year: 2023 - 2020; Up to 125% financed
- Oct 19, 20266.49%▲ from 6.39%
- Oct 9, 20266.39%first recorded
Auto loan; APR*
- Oct 5, 20266.49%▲ from 6.14%
- Sep 14, 20266.14%first recorded
As Low As; Model Year: 2026 - 2022; Payment per $1000 borrowed: $14.84; Stated rates are .50% higher without automatic payments from a JDCU account; $63 VSI charge and $5.00 Membership Account required
- Oct 5, 20266.49%▲ from 5.99%
- Sep 16, 20265.99%first recorded
As Low As; Model Year: 2023-2019
- Oct 1, 20266.49%▲ from 5.99%
- Sep 14, 20265.99%first recorded
Model Year: 2017 to 2018; Fees: $50
- Nov 8, 20266.59%▲ from 6.34%
- Oct 9, 20266.34%first recorded
Model Year: 2017 to 2018; Fees: $50
- Nov 8, 20266.69%▲ from 6.44%
- Oct 9, 20266.44%first recorded
As Low As; Model Year: 2026-2024; Purchases or Refinances; Rates effective October 22, 2026; Applicants must reside in New Hampshire; Maximum mileage 100,000
- Oct 26, 20266.69%▲ from 6.39%
- Sep 14, 20266.39%first recorded
As Low As; Model Year: 2026-2024
- Oct 1, 20266.74%▲ from 6.54%
- Sep 18, 20266.54%▲ from 6.24%
- Sep 14, 20266.24%first recorded
Model Year: 2019 to 2023; Fees: $50; Loan term available based on evaluation of applicant's credit
- Nov 8, 20266.79%▲ from 6.54%
- Oct 9, 20266.54%first recorded
As Low As; Model Year: 2023-2020; Purchases or Refinances; Rates effective October 22, 2026; Applicants must reside in New Hampshire; Maximum mileage 100,000
- Oct 26, 20266.79%▲ from 6.39%
- Sep 14, 20266.39%first recorded
Minimum loan for 84 month term is $25,000
Effective Date: October 9, 2026; Vehicle Year: 2023 - 2020; Up to 125% financed
As Low As; Rate posted for 740+ FICO credit score; Not available for commercial purpose vehicles; Maximum age of vehicle is 10 years old
As Low As; Model Year: 2023-2019
- Oct 1, 20267.04%▲ from 6.54%
- Sep 14, 20266.54%first recorded
Effective Date: October 9, 2026; Vehicle Year: 2026 - 2024; Up to 125% financed
As Low As; Model Year: 2018-2017
- Oct 1, 20267.14%▲ from 6.64%
- Sep 14, 20266.64%first recorded
Rates effective November 5, 2026; APR shown for new or used cars, trucks, and vans; up to 130% LTV subject to underwriting
Rates listed for new or used cars, trucks, and vans; published rate includes 0.50% discount with qualifying direct deposit of at least $500 per month and electronic loan payment; rates effective November 5, 2026
- Nov 5, 20267.24%▲ from 6.99%
- Oct 22, 20266.99%first recorded
Effective Date: May 8, 2026; Vehicle Year: 2026-2024; vehicle type not named in table heading
Model Years: 2026-2027; Purchases only (not available for refinances); Documentation Required: Bill Of Sale, Insurance Binder (full coverage listing Haverhill Bank as lien holder); AutoPay required from a new or existing Haverhill Bank Account; Maximum 90% of lesser sales price or NADA Average Retail Value; Maximum Loan Amount: $50,000.00
- Oct 3, 20267.38%▲ from 7.25%
- Sep 27, 20267.25%first recorded
As Low As; Model Year: 2026-2024
- Oct 1, 20267.49%▲ from 6.99%
- Sep 14, 20266.99%first recorded
Condition: New/Used; Year: 2026 & 2025; Example Amount: $30,000.00; Estimated Payment: $519.51; Doc Fee: $50.00
Effective Date: October 9, 2026; Vehicle Year: 2019-2017; Up to 125% financed
- Oct 19, 20267.59%▲ from 5.84%
- Oct 9, 20265.84%first recorded
Model Year: 2011 to 2016; Fees: $50
- Nov 8, 20267.59%▲ from 7.34%
- Oct 9, 20267.34%first recorded
Model Years: 2026-2027; Purchases only (not available for refinances); Documentation Required: Bill Of Sale, Insurance Binder (full coverage listing Haverhill Bank as lien holder); AutoPay required from a new or existing Haverhill Bank Account; Maximum 90% of lesser sales price or NADA Average Retail Value; Maximum Loan Amount: $50,000.00
- Oct 3, 20267.63%▲ from 7.50%
- Sep 27, 20267.50%first recorded
Model Year: 2011 to 2016; Fees: $50
- Nov 8, 20267.69%▲ from 7.44%
- Oct 9, 20267.44%first recorded
As Low As; Model Year: 2019-2018; Purchases or Refinances; Rates effective October 22, 2026; Applicants must reside in New Hampshire; Maximum mileage 100,000
- Oct 26, 20267.69%▲ from 7.29%
- Sep 14, 20267.29%first recorded
Used over 10 years old; APR
Model Year: 2026 & 2025; Loan Amount Example: $10,000.00; VSI Premium of $40; APR includes $75 processing fee
Model Year: 2026 & 2025; Loan Amount Example: $10,000.00; VSI Premium of $40; APR includes $75 processing fee
Effective Date: January 1, 2026; Loan amount minimum: $5,000; Up to 100% financed
Effective Date: June 2, 2026; Loan amount minimum: $5,000; Up to 100% financed
Vehicle Year: 2026-2024; effective date not stated; vehicle type not named in table heading
Model Years: 2026-2027; Purchases only (not available for refinances); Documentation Required: Bill Of Sale, Insurance Binder (full coverage listing Haverhill Bank as lien holder); AutoPay required from a new or existing Haverhill Bank Account; Maximum 90% of lesser sales price or NADA Average Retail Value; Maximum Loan Amount: $50,000.00
- Oct 3, 20267.88%▲ from 7.75%
- Sep 27, 20267.75%first recorded
Condition: New/Used; Year: 2026 & 2025; Example Amount: $35,000.00; Estimated Payment: $546.05; Doc Fee: $50.00; Minimum Loan Amount $35,000 with 80% Max LTV for 84 month term
Model Year: 2026 & 2025; Loan Amount Example: $35,000.00; Minimum Loan Amount $35,000 with 80% Max LTV for 84 month term; VSI Premium of $40; APR includes $75 processing fee
Model Year: 2026 & 2025; Loan Amount Example: $35,000.00; Minimum Loan Amount $35,000 with 80% Max LTV for 84 month term; VSI Premium of $40; APR includes $75 processing fee
Condition: New/Used; Year: 2024 & 2023; Example Amount: $25,000.00; Estimated Payment: $507.74; Doc Fee: $50.00
Model Years: 2020-2025; Purchases only (not available for refinances); Documentation Required: Bill Of Sale, Insurance Binder (full coverage listing Haverhill Bank as lien holder); AutoPay required from a new or existing Haverhill Bank Account; Maximum 90% of lesser sales price or NADA Average Retail Value; Maximum Loan Amount: $50,000.00
- Oct 3, 20268.13%▲ from 8.00%
- Sep 27, 20268.00%first recorded
Effective Date: May 8, 2026; Vehicle Year: 2023-2020; vehicle type not named in table heading
Down payment 10%; APR based on $10,000; Rates based on automatic payment from a Sugar River Bank account (add 0.25% for manual payment); $55 processing fee. Rates effective November 03, 2026.
Down payment 10%; APR based on $10,000; Rates based on automatic payment from a Sugar River Bank account (add 0.25% for manual payment); $55 processing fee. Rates effective November 03, 2026.
Certain Classic and Antique vehicles require an appraisal and may have loan-to-value restrictions; published rate includes 0.50% discount with qualifying direct deposit of at least $500 per calendar month and electronic loan payment; rates effective October 22, 2026
Certain Classic and Antique vehicles require an appraisal and may have loan-to-value restrictions; published rate includes 0.50% discount with qualifying direct deposit of at least $500 per calendar month and electronic loan payment; rates effective October 22, 2026
Certain Classic and Antique vehicles require an appraisal and may have loan-to-value restrictions; published rate includes 0.50% discount with qualifying direct deposit of at least $500 per calendar month and electronic loan payment; rates effective October 22, 2026
Effective Date: May 8, 2026; Vehicle Year: 2026-2024; vehicle type not named in table heading
Model Year: 2024 & 2023; Loan Amount Example: $10,000.00; VSI Premium of $40; APR includes $75 processing fee
Model Year: 2024 & 2023; Loan Amount Example: $10,000.00; VSI Premium of $40; APR includes $75 processing fee
Condition: New/Used; Year: 2024 & 2023; Example Amount: $25,000.00; Estimated Payment: $442.21; Doc Fee: $50.00
Effective Date: January 1, 2026; Loan amount minimum: $25,000; Up to 100% financed
Effective Date: June 2, 2026; Loan amount minimum: $25,000; Up to 100% financed
Vehicle Year: 2026-2024; effective date not stated; vehicle type not named in table heading
Model Years: 2020-2025; Purchases only (not available for refinances); Documentation Required: Bill Of Sale, Insurance Binder (full coverage listing Haverhill Bank as lien holder); AutoPay required from a new or existing Haverhill Bank Account; Maximum 90% of lesser sales price or NADA Average Retail Value; Maximum Loan Amount: $50,000.00
- Oct 3, 20268.38%▲ from 8.25%
- Sep 27, 20268.25%first recorded
Effective Date: October 9, 2026; Vehicle Year: 2019-2017; Up to 125% financed
- Oct 19, 20268.39%▲ from 6.39%
- Oct 9, 20266.39%first recorded
Model Year: 2024 & 2023; Loan Amount Example: $10,000.00; VSI Premium of $40; APR includes $75 processing fee
Model Year: 2024 & 2023; Loan Amount Example: $10,000.00; VSI Premium of $40; APR includes $75 processing fee
Effective Date: January 1, 2026; Loan amount minimum: $50,000; Up to 100% financed
Effective Date: June 2, 2026; Loan amount minimum: $50,000; Up to 100% financed
Condition: New/Used; Year: 2022 & 2021; Example Amount: $20,000.00; Estimated Payment: $411.30; Doc Fee: $50.00
Model Years: 2020-2025; Purchases only (not available for refinances); Documentation Required: Bill Of Sale, Insurance Binder (full coverage listing Haverhill Bank as lien holder); AutoPay required from a new or existing Haverhill Bank Account; Maximum 90% of lesser sales price or NADA Average Retail Value; Maximum Loan Amount: $50,000.00
- Oct 3, 20268.63%▲ from 8.50%
- Sep 27, 20268.50%first recorded
Effective Date: October 9, 2026; Vehicle Year: 2016 & older; Up to 100% financed
Used over 10 years old; minimum loan amount $30,000; APR
Model Year: 2022 & 2021; Loan Amount Example: $10,000.00; VSI Premium of $40; APR includes $75 processing fee
Model Year: 2022 & 2021; Loan Amount Example: $10,000.00; VSI Premium of $40; APR includes $75 processing fee
Vehicle Year: 2023-2020; effective date not stated; vehicle type not named in table heading
As Low As; Effective Date: Sunday, November 8th, 2026; Advertised rate for New Recreational Vehicle Loans of Model Year 2024 or newer with maximum LTV of 95% or less and less than 10,001 miles
As Low As; Classic Car; Rates shown include a 0.50% discount
Certain Classic and Antique vehicles require an appraisal and may have loan-to-value restrictions; published rate includes 0.50% discount with qualifying direct deposit of at least $500 per calendar month and electronic loan payment; rates effective October 22, 2026
Effective Date: May 8, 2026; Vehicle Year: 2023-2020; vehicle type not named in table heading
As Low As; Classic Car; Rates shown include a 0.50% discount
Down payment 15%; APR based on $10,000; Rates based on automatic payment from a Sugar River Bank account (add 0.25% for manual payment); $55 processing fee. Rates effective November 03, 2026.
Effective Date: May 8, 2026; Vehicle Year: 2019-2017; vehicle type not named in table heading
Vehicle Year: 2023-2020; effective date not stated; vehicle type not named in table heading
Condition: New/Used; Year: 2020 & 2019; Example Amount: $15,000.00; Estimated Payment: $376.25; Doc Fee: $50.00
As Low As; Classic Car; Rates shown include a 0.50% discount
Model Year: 2020 & 2019; Loan Amount Example: $10,000.00; VSI Premium of $40; APR includes $75 processing fee
Model Year: 2020 & 2019; Loan Amount Example: $10,000.00; VSI Premium of $40; APR includes $75 processing fee
As Low As; Classic Car; Rates shown include a 0.50% discount
Vehicle Year: 2019-2017; effective date not stated; vehicle type not named in table heading
As Low As; Effective Date: Sunday, November 8th, 2026; Advertised rate for Used Recreational Vehicle Loans of Model Year 2024 or older with maximum LTV of 95% or less and more than 10,000 miles
As Low As; Model Year: 2016-2015
- Oct 1, 202610.14%▲ from 9.64%
- Sep 14, 20269.64%first recorded
Condition: New/Used; Year: 2018 & Older; Example Amount: $10,000.00; Estimated Payment: $325.41; Doc Fee: $50.00
Certain Classic and Antique vehicles require an appraisal and may have loan-to-value restrictions; published rate includes 0.50% discount with qualifying direct deposit of at least $500 per calendar month and electronic loan payment; rates effective October 22, 2026
Model Year: 2018 & Older; Loan Amount Example: $7,500.00; VSI Premium of $40; APR includes $75 processing fee
Model Year: 2018 & Older; Loan Amount Example: $7,500.00; VSI Premium of $40; APR includes $75 processing fee
Down payment 15%; APR based on $10,000; Rates based on automatic payment from a Sugar River Bank account (add 0.25% for manual payment); $55 processing fee. Rates effective November 03, 2026.
Down payment 15%; the bank page lists APR 11.287%, below the 11.99% rate (apparent typo on the page), so APR is left blank; Rates based on automatic payment from a Sugar River Bank account (add 0.25% for manual payment); $55 processing fee. Rates effective November 03, 2026.
Down payment 20%; APR based on $10,000; Rates based on automatic payment from a Sugar River Bank account (add 0.25% for manual payment); $55 processing fee. Rates effective November 03, 2026.
Derry New Auto Auto Loan Rates
Model Year: 2021 & Newer; 90% NADA Value; Rates quoted for Automatic Payment Method and eStatements for full term of the loan, otherwise add .25%
Add .25% on all rates without direct deposit & automatic payment
Auto loan; APR*
- Oct 5, 20264.99%▲ from 4.64%
- Sep 14, 20264.64%first recorded
As Low As; Rate posted for 740+ FICO credit score; Not available for commercial purpose vehicles; Maximum age of vehicle is 10 years old
As Low As; Rate posted for 740+ FICO credit score; Not available for commercial purpose vehicles; Maximum age of vehicle is 10 years old
As Low As; Rate posted for 740+ FICO credit score; Not available for commercial purpose vehicles; Maximum age of vehicle is 10 years old
Loan minimum: $20,000; Add .25% on all rates without direct deposit & automatic payment
Auto loan; APR*
- Oct 5, 20265.49%▲ from 5.14%
- Sep 14, 20265.14%first recorded
As Low As; Rate posted for 740+ FICO credit score; Not available for commercial purpose vehicles; Maximum age of vehicle is 10 years old
As Low As; New vehicles only (current or coming model year); 0.25% reduction for auto-payment from a Pentucket Bank deposit account; maximum loan amount $100,000; available to MA, NH, and ME residents; up to 110% loan to value
As Low As; Maximum loan amount $100,000; APR reflects 0.25% auto-pay reduction from a Pentucket Bank deposit account; available to MA, NH, and ME residents; vehicle must be new model year
As Low As; Maximum loan amount: $100,000; APR assumes excellent borrower credit; includes 0.25% auto-payment reduction from a Newburyport Bank deposit account; Massachusetts, New Hampshire, and Maine residents only; vehicle must be new; displayed terms for loans up to 110% loan to value
As Low As; Fixed-rate new car loan; 60-month option; as of Nov. 5, 2026; excludes additional BofA Rewards discount up to 0.50%
As Low As; Model Year: 2026-2024; Purchases or Refinances; Rates effective October 22, 2026; Applicants must reside in New Hampshire; Maximum mileage 100,000
- Oct 26, 20265.69%▲ from 5.39%
- Sep 18, 20265.39%▲ from 5.29%
- Sep 14, 20265.29%first recorded
As Low As; New vehicles only (current or coming model year); 0.25% reduction for auto-payment from a Pentucket Bank deposit account; maximum loan amount $100,000; available to MA, NH, and ME residents; up to 110% loan to value
As Low As; Maximum loan amount $100,000; APR reflects 0.25% auto-pay reduction from a Pentucket Bank deposit account; available to MA, NH, and ME residents; vehicle must be new model year
As Low As; Maximum loan amount: $100,000; APR assumes excellent borrower credit; includes 0.25% auto-payment reduction from a Newburyport Bank deposit account; Massachusetts, New Hampshire, and Maine residents only; vehicle must be new; displayed terms for loans up to 110% loan to value
As Low As; Model Year: 2026-2024; Purchases or Refinances; Rates effective October 22, 2026; Applicants must reside in New Hampshire; Maximum mileage 100,000
- Oct 26, 20265.79%▲ from 5.49%
- Sep 14, 20265.49%first recorded
As Low As; Model Year: 2023-2020; Purchases or Refinances; Rates effective October 22, 2026; Applicants must reside in New Hampshire; Maximum mileage 100,000
- Oct 26, 20265.79%▲ from 5.39%
- Sep 18, 20265.39%▲ from 5.29%
- Sep 14, 20265.29%first recorded
As Low As; Model Year: 2023-2020; Purchases or Refinances; Rates effective October 22, 2026; Applicants must reside in New Hampshire; Maximum mileage 100,000
- Oct 26, 20265.89%▲ from 5.49%
- Sep 14, 20265.49%first recorded
As Low As; Model Year: 2026 - 2022; Payment per $1000 borrowed: $30.42; Stated rates are .50% higher without automatic payments from a JDCU account; $63 VSI charge and $5.00 Membership Account required
- Oct 5, 20265.99%▲ from 4.99%
- Sep 16, 20264.99%first recorded
As Low As; Model Year: 2026 - 2022; Payment per $1000 borrowed: $23.48; Stated rates are .50% higher without automatic payments from a JDCU account; $63 VSI charge and $5.00 Membership Account required
- Oct 5, 20265.99%▲ from 4.99%
- Sep 16, 20264.99%first recorded
As Low As; Model Year: 2026 - 2022; Payment per $1000 borrowed: $18.05; Stated rates are .50% higher without automatic payments from a JDCU account; $63 VSI charge and $5.00 Membership Account required
- Oct 5, 20265.99%▲ from 5.75%
- Sep 16, 20265.75%first recorded
As Low As; Model Year: 2026 - 2022; Payment per $1000 borrowed: $16.02; Stated rates are .50% higher without automatic payments from a JDCU account; $63 VSI charge and $5.00 Membership Account required
- Oct 5, 20265.99%▲ from 5.49%
- Sep 16, 20265.49%first recorded
As Low As; New vehicles only (current or coming model year); 0.25% reduction for auto-payment from a Pentucket Bank deposit account; maximum loan amount $100,000; available to MA, NH, and ME residents; up to 110% loan to value
As Low As; Maximum loan amount $100,000; APR reflects 0.25% auto-pay reduction from a Pentucket Bank deposit account; available to MA, NH, and ME residents; vehicle must be new model year
As Low As; Maximum loan amount: $100,000; APR assumes excellent borrower credit; includes 0.25% auto-payment reduction from a Newburyport Bank deposit account; Massachusetts, New Hampshire, and Maine residents only; vehicle must be new; displayed terms for loans up to 110% loan to value
Financing amount: $45,000; For online applicants with an excellent credit history
- Oct 31, 20266.09%▲ from 6.04%
- Oct 26, 20266.04%▼ from 6.24%
- Oct 14, 20266.24%first recorded
APR based on 60 months and $45,000 financing; for online applicants with excellent credit; new car purchase
- Oct 31, 20266.09%▼ from 6.24%
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
As Low As; Model Year: 2026-2024; Purchases or Refinances; Rates effective October 22, 2026; Applicants must reside in New Hampshire; Maximum mileage 100,000
- Oct 26, 20266.19%▲ from 5.89%
- Sep 14, 20265.89%first recorded
Loan minimum: $30,000; Add .25% on all rates without direct deposit & automatic payment
As Low As; Model Year: 2023-2020; Purchases or Refinances; Rates effective October 22, 2026; Applicants must reside in New Hampshire; Maximum mileage 100,000
- Oct 26, 20266.29%▲ from 5.89%
- Sep 14, 20265.89%first recorded
Auto loan; APR*
- Oct 5, 20266.49%▲ from 6.14%
- Sep 14, 20266.14%first recorded
As Low As; Model Year: 2026 - 2022; Payment per $1000 borrowed: $14.84; Stated rates are .50% higher without automatic payments from a JDCU account; $63 VSI charge and $5.00 Membership Account required
- Oct 5, 20266.49%▲ from 5.99%
- Sep 16, 20265.99%first recorded
As Low As; Model Year: 2026-2024; Purchases or Refinances; Rates effective October 22, 2026; Applicants must reside in New Hampshire; Maximum mileage 100,000
- Oct 26, 20266.69%▲ from 6.39%
- Sep 14, 20266.39%first recorded
As Low As; Model Year: 2023-2020; Purchases or Refinances; Rates effective October 22, 2026; Applicants must reside in New Hampshire; Maximum mileage 100,000
- Oct 26, 20266.79%▲ from 6.39%
- Sep 14, 20266.39%first recorded
As Low As; Rate posted for 740+ FICO credit score; Not available for commercial purpose vehicles; Maximum age of vehicle is 10 years old
Model Years: 2026-2027; Purchases only (not available for refinances); Documentation Required: Bill Of Sale, Insurance Binder (full coverage listing Haverhill Bank as lien holder); AutoPay required from a new or existing Haverhill Bank Account; Maximum 90% of lesser sales price or NADA Average Retail Value; Maximum Loan Amount: $50,000.00
- Oct 3, 20267.38%▲ from 7.25%
- Sep 27, 20267.25%first recorded
Model Years: 2026-2027; Purchases only (not available for refinances); Documentation Required: Bill Of Sale, Insurance Binder (full coverage listing Haverhill Bank as lien holder); AutoPay required from a new or existing Haverhill Bank Account; Maximum 90% of lesser sales price or NADA Average Retail Value; Maximum Loan Amount: $50,000.00
- Oct 3, 20267.63%▲ from 7.50%
- Sep 27, 20267.50%first recorded
As Low As; Model Year: 2019-2018; Purchases or Refinances; Rates effective October 22, 2026; Applicants must reside in New Hampshire; Maximum mileage 100,000
- Oct 26, 20267.69%▲ from 7.29%
- Sep 14, 20267.29%first recorded
Model Years: 2026-2027; Purchases only (not available for refinances); Documentation Required: Bill Of Sale, Insurance Binder (full coverage listing Haverhill Bank as lien holder); AutoPay required from a new or existing Haverhill Bank Account; Maximum 90% of lesser sales price or NADA Average Retail Value; Maximum Loan Amount: $50,000.00
- Oct 3, 20267.88%▲ from 7.75%
- Sep 27, 20267.75%first recorded
Down payment 10%; APR based on $10,000; Rates based on automatic payment from a Sugar River Bank account (add 0.25% for manual payment); $55 processing fee. Rates effective November 03, 2026.
Down payment 10%; APR based on $10,000; Rates based on automatic payment from a Sugar River Bank account (add 0.25% for manual payment); $55 processing fee. Rates effective November 03, 2026.
As Low As; Effective Date: Sunday, November 8th, 2026; Advertised rate for New Recreational Vehicle Loans of Model Year 2024 or newer with maximum LTV of 95% or less and less than 10,001 miles
Derry Used Auto Auto Loan Rates
As Low As; Rate posted for 740+ FICO credit score; Not available for commercial purpose vehicles; Maximum age of vehicle is 10 years old
As Low As; Rate posted for 740+ FICO credit score; Not available for commercial purpose vehicles; Maximum age of vehicle is 10 years old
As Low As; Rate posted for 740+ FICO credit score; Not available for commercial purpose vehicles; Maximum age of vehicle is 10 years old
As Low As; Rate posted for 740+ FICO credit score; Not available for commercial purpose vehicles; Maximum age of vehicle is 10 years old
As Low As; Rate posted for 740+ FICO credit score; Not available for commercial purpose vehicles; Maximum age of vehicle is 10 years old
As Low As; Rate posted for 740+ FICO credit score; Not available for commercial purpose vehicles; Maximum age of vehicle is 10 years old
APR
As Low As; Rate posted for 740+ FICO credit score; Not available for commercial purpose vehicles; Maximum age of vehicle is 10 years old
As Low As; Rate posted for 740+ FICO credit score; Not available for commercial purpose vehicles; Maximum age of vehicle is 10 years old
Minimum loan amount $20,000; APR
As Low As; Model Year: 2026-2024; Purchases or Refinances; Rates effective October 22, 2026; Applicants must reside in New Hampshire; Maximum mileage 100,000
- Oct 26, 20265.69%▲ from 5.39%
- Sep 18, 20265.39%▲ from 5.29%
- Sep 14, 20265.29%first recorded
As Low As; maximum loan amount $75,000; $23.37 monthly payment per $1,000 borrowed; vehicle age 10 years or less; includes 0.25% auto-pay reduction
As Low As; Model Year: 2026-2024; Purchases or Refinances; Rates effective October 22, 2026; Applicants must reside in New Hampshire; Maximum mileage 100,000
- Oct 26, 20265.79%▲ from 5.49%
- Sep 14, 20265.49%first recorded
As Low As; Model Year: 2023-2020; Purchases or Refinances; Rates effective October 22, 2026; Applicants must reside in New Hampshire; Maximum mileage 100,000
- Oct 26, 20265.79%▲ from 5.39%
- Sep 18, 20265.39%▲ from 5.29%
- Sep 14, 20265.29%first recorded
As Low As; Fixed-rate used car loan; 60-month option; as of Nov. 5, 2026; excludes additional BofA Rewards discount up to 0.50%
Minimum loan for 75 month term is $15,000
As Low As; Model Year: 2023-2020; Purchases or Refinances; Rates effective October 22, 2026; Applicants must reside in New Hampshire; Maximum mileage 100,000
- Oct 26, 20265.89%▲ from 5.49%
- Sep 14, 20265.49%first recorded
As Low As; Model Year: 2026 - 2022; Payment per $1000 borrowed: $30.42; Stated rates are .50% higher without automatic payments from a JDCU account; $63 VSI charge and $5.00 Membership Account required
- Oct 5, 20265.99%▲ from 4.99%
- Sep 16, 20264.99%first recorded
As Low As; Model Year: 2026 - 2022; Payment per $1000 borrowed: $23.48; Stated rates are .50% higher without automatic payments from a JDCU account; $63 VSI charge and $5.00 Membership Account required
- Oct 5, 20265.99%▲ from 4.99%
- Sep 16, 20264.99%first recorded
As Low As; Model Year: 2026 - 2022; Payment per $1000 borrowed: $18.05; Stated rates are .50% higher without automatic payments from a JDCU account; $63 VSI charge and $5.00 Membership Account required
- Oct 5, 20265.99%▲ from 5.75%
- Sep 16, 20265.75%first recorded
As Low As; Model Year: 2026 - 2022; Payment per $1000 borrowed: $16.02; Stated rates are .50% higher without automatic payments from a JDCU account; $63 VSI charge and $5.00 Membership Account required
- Oct 5, 20265.99%▲ from 5.49%
- Sep 16, 20265.49%first recorded
As Low As; maximum loan amount $75,000; $19.34 monthly payment per $1,000 borrowed; vehicle age 10 years or less; includes 0.25% auto-pay reduction
Financing amount: $30,000; For online applicants with an excellent credit history
- Oct 26, 20266.09%▼ from 6.29%
- Oct 14, 20266.29%first recorded
APR based on 60 months and $30,000 financing; for online applicants with excellent credit; used car purchase
- Oct 31, 20266.09%▼ from 6.29%
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
As Low As; Model Year: 2026-2024; Purchases or Refinances; Rates effective October 22, 2026; Applicants must reside in New Hampshire; Maximum mileage 100,000
- Oct 26, 20266.19%▲ from 5.89%
- Sep 14, 20265.89%first recorded
As Low As; Model Year: 2023-2020; Purchases or Refinances; Rates effective October 22, 2026; Applicants must reside in New Hampshire; Maximum mileage 100,000
- Oct 26, 20266.29%▲ from 5.89%
- Sep 14, 20265.89%first recorded
- Oct 5, 20266.34%▲ from 5.99%
- Sep 14, 20265.99%first recorded
As Low As; Model Year: 2026 - 2022; Payment per $1000 borrowed: $14.84; Stated rates are .50% higher without automatic payments from a JDCU account; $63 VSI charge and $5.00 Membership Account required
- Oct 5, 20266.49%▲ from 5.99%
- Sep 16, 20265.99%first recorded
As Low As; Model Year: 2026-2024; Purchases or Refinances; Rates effective October 22, 2026; Applicants must reside in New Hampshire; Maximum mileage 100,000
- Oct 26, 20266.69%▲ from 6.39%
- Sep 14, 20266.39%first recorded
As Low As; Model Year: 2023-2020; Purchases or Refinances; Rates effective October 22, 2026; Applicants must reside in New Hampshire; Maximum mileage 100,000
- Oct 26, 20266.79%▲ from 6.39%
- Sep 14, 20266.39%first recorded
Minimum loan for 84 month term is $25,000
As Low As; Rate posted for 740+ FICO credit score; Not available for commercial purpose vehicles; Maximum age of vehicle is 10 years old
Model Years: 2026-2027; Purchases only (not available for refinances); Documentation Required: Bill Of Sale, Insurance Binder (full coverage listing Haverhill Bank as lien holder); AutoPay required from a new or existing Haverhill Bank Account; Maximum 90% of lesser sales price or NADA Average Retail Value; Maximum Loan Amount: $50,000.00
- Oct 3, 20267.38%▲ from 7.25%
- Sep 27, 20267.25%first recorded
Model Years: 2026-2027; Purchases only (not available for refinances); Documentation Required: Bill Of Sale, Insurance Binder (full coverage listing Haverhill Bank as lien holder); AutoPay required from a new or existing Haverhill Bank Account; Maximum 90% of lesser sales price or NADA Average Retail Value; Maximum Loan Amount: $50,000.00
- Oct 3, 20267.63%▲ from 7.50%
- Sep 27, 20267.50%first recorded
As Low As; Model Year: 2019-2018; Purchases or Refinances; Rates effective October 22, 2026; Applicants must reside in New Hampshire; Maximum mileage 100,000
- Oct 26, 20267.69%▲ from 7.29%
- Sep 14, 20267.29%first recorded
Used over 10 years old; APR
Model Years: 2026-2027; Purchases only (not available for refinances); Documentation Required: Bill Of Sale, Insurance Binder (full coverage listing Haverhill Bank as lien holder); AutoPay required from a new or existing Haverhill Bank Account; Maximum 90% of lesser sales price or NADA Average Retail Value; Maximum Loan Amount: $50,000.00
- Oct 3, 20267.88%▲ from 7.75%
- Sep 27, 20267.75%first recorded
Model Years: 2020-2025; Purchases only (not available for refinances); Documentation Required: Bill Of Sale, Insurance Binder (full coverage listing Haverhill Bank as lien holder); AutoPay required from a new or existing Haverhill Bank Account; Maximum 90% of lesser sales price or NADA Average Retail Value; Maximum Loan Amount: $50,000.00
- Oct 3, 20268.13%▲ from 8.00%
- Sep 27, 20268.00%first recorded
Model Years: 2020-2025; Purchases only (not available for refinances); Documentation Required: Bill Of Sale, Insurance Binder (full coverage listing Haverhill Bank as lien holder); AutoPay required from a new or existing Haverhill Bank Account; Maximum 90% of lesser sales price or NADA Average Retail Value; Maximum Loan Amount: $50,000.00
- Oct 3, 20268.38%▲ from 8.25%
- Sep 27, 20268.25%first recorded
Model Years: 2020-2025; Purchases only (not available for refinances); Documentation Required: Bill Of Sale, Insurance Binder (full coverage listing Haverhill Bank as lien holder); AutoPay required from a new or existing Haverhill Bank Account; Maximum 90% of lesser sales price or NADA Average Retail Value; Maximum Loan Amount: $50,000.00
- Oct 3, 20268.63%▲ from 8.50%
- Sep 27, 20268.50%first recorded
Used over 10 years old; minimum loan amount $30,000; APR
Down payment 15%; APR based on $10,000; Rates based on automatic payment from a Sugar River Bank account (add 0.25% for manual payment); $55 processing fee. Rates effective November 03, 2026.
As Low As; Effective Date: Sunday, November 8th, 2026; Advertised rate for Used Recreational Vehicle Loans of Model Year 2024 or older with maximum LTV of 95% or less and more than 10,000 miles
Down payment 15%; APR based on $10,000; Rates based on automatic payment from a Sugar River Bank account (add 0.25% for manual payment); $55 processing fee. Rates effective November 03, 2026.
Down payment 15%; the bank page lists APR 11.287%, below the 11.99% rate (apparent typo on the page), so APR is left blank; Rates based on automatic payment from a Sugar River Bank account (add 0.25% for manual payment); $55 processing fee. Rates effective November 03, 2026.
Down payment 20%; APR based on $10,000; Rates based on automatic payment from a Sugar River Bank account (add 0.25% for manual payment); $55 processing fee. Rates effective November 03, 2026.
Derry, NH Auto Loan Rate Trends
Compare local Derry, 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 Hampshire new auto rates rose 0.013 points over the past 7 days to 5.545% APR.
New Hampshire used auto rates fell 0.007 points over the past 7 days to 6.104% APR.
Derry, NH 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 New Hampshire 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 New Hampshire 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 @ 5.55% APR NH average | Used Auto @ 6.10% APR NH average | Monthly Difference |
|---|---|---|---|
| $15,000 | $286.83/mo | $290.72/mo | $3.89/mo |
| $25,000 | $478.05/mo | $484.53/mo | $6.48/mo |
| $35,000 | $669.27/mo | $678.34/mo | $9.07/mo |
| $45,000 | $860.50/mo | $872.15/mo | $11.66/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 Derry, New Hampshire
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Derry, New Hampshire 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 New Hampshire. 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 Derry, New Hampshire 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: Derry, New Hampshire CD rates lock in a guaranteed return until you’re ready to buy
Derry, New Hampshire Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $574 monthly car payment works out to roughly 13.9% of the median individual income in Derry, New Hampshire. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Derry, New Hampshire, 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.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Derry, New Hampshire. We’ve prefilled the APR with today’s NH 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 Derry, New Hampshire 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 Derry, New Hampshire 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 Derry, New Hampshire. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in NH.
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.
Bad Credit Auto Loans in Derry, New Hampshire
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.
Get Preapproved Before the Dealer
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.
Start With a Credit Union
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.
Put More Money Down
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.
Keep the Term Short
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.
Add a Cosigner
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.
Be Careful With Buy Here Pay Here
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.
Frequently Asked Questions about Auto Loans in Derry, New Hampshire
What are auto loan rates in Derry, New Hampshire today?
How does my credit score affect my car loan rate in Derry, New Hampshire?
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 Derry, New Hampshire?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
Can I get an auto loan with bad credit in Derry, New Hampshire?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Derry, New Hampshire?
- Triangle Credit Union: 9.63% (Business Vehicle Equity Loan - 2021 & Newer)
- Northern Lights Federal Credit Union: 3.79% (Auto Loan)
- BrightBridge Credit Union: 4.74% (Auto Loan - Model Years 2026-2021)
- New Hampshire Postal Credit Union: 4.75% (New Auto Loan - 60 months)
- GFA Federal Credit Union: 4.99% (Auto Loan)
Derry, New Hampshire Rates & Resources
