Massachusetts · dataset refreshed October 5, 2026

Auto loan APRs

Compare advertised APRs for new and used vehicle loans, then narrow by repayment term. Public pricing is shown exactly as categorized by each lender and sorted by APR.

By LoanMate Editorial Team · Dataset refreshed October 5, 2026 — each rate row shows its own last-verified date

189rankable APR observations

39lenders with numeric APRs

0leads sold

Borrower state

Rates shown are advertised rates for borrowers in Massachusetts. Dataset refreshed October 5, 2026 — each rate row shows its own last-verified date.

Out-of-state lender coverage reflects verified licensing and availability data as of September 28, 2026; lenders without verified coverage in a state aren’t shown.

Auto Loans: these products are kept separate from mortgages and home-equity borrowing. Results are ranked by APR, not note rate.

How this table works. Rows are sorted by the advertised annual percentage rate (APR) after state eligibility, product, term and institution filters. APRs are public observations, not personalized offers; eligibility, discounts, collateral, fees and underwriting can change your result. Organic order is never influenced by compensation. Full methodology

AutoRanked by advertised annual percentage rate · dataset refreshed October 5, 2026

Lender & product	APR	Fees	Verified
Hanscom Federal Credit UnionNew auto loan · 60 monthsAutoMA localNew60 monthsMA HQCredit unionhigh confidence Terms & assumptions agent-verified 2026-10-05 against lender rate page (snapshot-context check); 2024-2026 vehicles, up to 66 months; stacked discounts (hybrid/EV 0.25%, military/first-responder 0.25%, LTV up to 1.00%); base APR 5.49%; rates effective 10-05-2026; 700+ credit score required for lowest APR	3.99%Advertised annual percentage rate	Not listed in source observation	2026-10-05	Source ↗
Freedom Credit UnionUsed auto loan · 12 monthsAutoMA localUsed12 monthsMA HQCredit unionhigh confidence Terms & assumptions agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: 9/16/26	4.04%Advertised annual percentage rate	Not listed in source observation	2026-10-05	Source ↗
City of Boston Credit UnionNew auto loan · 48 monthsAutoMA localNew48 monthsMA HQCredit unionhigh confidence Terms & assumptions Model years 2025-2026; term up to 48 months; as-low-as APR, up to 7.99% at lower credit. Rate determined by credit rating and down payment; 'as low as' APR (range shown); no specific credit tier published for vehicle loans; must be eligible for CBCU membership	4.24%Advertised annual percentage rate	Not listed in source observation	2026-09-28	Source ↗
City of Boston Credit UnionUsed auto loan · 36 monthsAutoMA localUsed36 monthsMA HQCredit unionhigh confidence Terms & assumptions Model years 2022-2024; term up to 36 months; as-low-as APR, up to 7.99% at lower credit. Rate determined by credit rating and down payment; 'as low as' APR (range shown); no specific credit tier published for vehicle loans; must be eligible for CBCU membership	4.24%Advertised annual percentage rate	Not listed in source observation	2026-09-28	Source ↗
Hanscom Federal Credit UnionUsed auto loan · 60 monthsAutoMA localUsed60 monthsMA HQCredit unionhigh confidence Terms & assumptions agent-verified 2026-10-05 against lender rate page (snapshot-context check); 2020-2023 vehicles, up to 66 months; stacked discounts assumed; rates effective 10-05-2026; 700+ credit score required for lowest APR	4.39%Advertised annual percentage rate	Not listed in source observation	2026-10-05	Source ↗
Webster First Federal Credit UnionNew auto loan · 36 monthsAutoMA localNew36 monthsMA HQCredit unionhigh confidence Terms & assumptions Model year 2023-2027. APR accurate as of April 1, 2026; rate determined by credit report and collateral	4.39%Advertised annual percentage rate	Not listed in source observation	2026-09-28	Source ↗
Webster First Federal Credit UnionNew auto loanAutoMA localNewTerm not listedMA HQCredit unionhigh confidence Terms & assumptions Model year 2023-2027: 66 mo 5.14%, 75 mo 5.44% APR. APR accurate as of April 1, 2026; rate determined by credit report and collateral \| agent re-verified 2026-09-28: CORRECT: advertised 'as low as' 4.39% APR (2023-27 models, 36 mo). Table states APR accurate as of 4/1/2026 — currently published figure.	4.39%Advertised annual percentage rate	Not listed in source observation	2026-09-28	Source ↗
Hanscom Federal Credit UnionNew auto loan · 72 monthsAutoMA localNew72 monthsMA HQCredit unionhigh confidence Terms & assumptions agent-verified 2026-10-05 against lender rate page (snapshot-context check); 2024-2026 vehicles, up to 78 months; stacked discounts assumed; rates effective 10-05-2026; 700+ credit score required for lowest APR	4.49%Advertised annual percentage rate	Not listed in source observation	2026-10-05	Source ↗
City of Boston Credit UnionNew auto loan · 60 monthsAutoMA localNew60 monthsMA HQCredit unionhigh confidence Terms & assumptions Model years 2025-2026; 49-71 month band; as-low-as APR, up to 8.24% at lower credit. Rate determined by credit rating and down payment; 'as low as' APR (range shown); no specific credit tier published for vehicle loans; must be eligible for CBCU membership	4.49%Advertised annual percentage rate	Not listed in source observation	2026-09-28	Source ↗
City of Boston Credit UnionUsed auto loan · 60 monthsAutoMA localUsed60 monthsMA HQCredit unionhigh confidence Terms & assumptions Model years 2022-2024; 37-60 month band; as-low-as APR, up to 8.24% at lower credit. Rate determined by credit rating and down payment; 'as low as' APR (range shown); no specific credit tier published for vehicle loans; must be eligible for CBCU membership	4.49%Advertised annual percentage rate	Not listed in source observation	2026-09-28	Source ↗
Webster First Federal Credit UnionUsed auto loan · 36 monthsAutoMA localUsed36 monthsMA HQCredit unionhigh confidence Terms & assumptions Model year 2022. APR accurate as of April 1, 2026; rate determined by credit report and collateral	4.64%Advertised annual percentage rate	Not listed in source observation	2026-09-28	Source ↗
Webster First Federal Credit UnionUsed auto loanAutoMA localUsedTerm not listedMA HQCredit unionhigh confidence Terms & assumptions Model year 2021: 36 mo 4.89%, 48 mo 5.39%, 66 mo 5.64%, 75 mo 6.34%; model year 2020: 66 mo 6.14%, 75 mo 6.54%. APR accurate as of April 1, 2026; rate determined by credit report and collateral \| agent re-verified 2026-09-28: CORRECT: lowest used figure 'as low as' 4.64% APR (2022 model, 36 mo); same 4/1/2026 table.	4.64%Advertised annual percentage rate	Not listed in source observation	2026-09-28	Source ↗
BrightBridge Credit Union (formerly RTN Federal Credit Union)Used auto loanAutoMA localUsedTerm not listedMA HQCredit unionhigh confidence Terms & assumptions agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical	4.74%Advertised annual percentage rate	Not listed in source observation	2026-10-05	Source ↗
Mass Bay Credit UnionNew auto loan · 72 monthsAutoMA localNew72 monthsMA HQCredit unionhigh confidence Terms & assumptions agent-verified 2026-10-05 against lender rate page (snapshot-context check); page effective date: er 19, 2024	4.74%Advertised annual percentage rate	Not listed in source observation	2026-10-05	Source ↗
City of Boston Credit UnionNew auto loan · 72 monthsAutoMA localNew72 monthsMA HQCredit unionhigh confidence Terms & assumptions Model years 2025-2026; 72-84 month band; as-low-as APR, up to 8.74% at lower credit. Rate determined by credit rating and down payment; 'as low as' APR (range shown); no specific credit tier published for vehicle loans; must be eligible for CBCU membership	4.74%Advertised annual percentage rate	Not listed in source observation	2026-09-28	Source ↗
City of Boston Credit UnionUsed auto loan · 72 monthsAutoMA localUsed72 monthsMA HQCredit unionhigh confidence Terms & assumptions Model years 2022-2024; 61-72 month band; as-low-as APR, up to 8.74% at lower credit. Rate determined by credit rating and down payment; 'as low as' APR (range shown); no specific credit tier published for vehicle loans; must be eligible for CBCU membership	4.74%Advertised annual percentage rate	Not listed in source observation	2026-09-28	Source ↗
Hanscom Federal Credit UnionUsed auto loan · 72 monthsAutoMA localUsed72 monthsMA HQCredit unionhigh confidence Terms & assumptions agent-verified 2026-10-05 against lender rate page (snapshot-context check); 2020-2023 vehicles, up to 78 months; stacked discounts assumed; rates effective 10-05-2026; 700+ credit score required for lowest APR	4.89%Advertised annual percentage rate	Not listed in source observation	2026-10-05	Source ↗
Webster First Federal Credit UnionNew auto loan · 48 monthsAutoMA localNew48 monthsMA HQCredit unionhigh confidence Terms & assumptions Model year 2023-2027. APR accurate as of April 1, 2026; rate determined by credit report and collateral	4.89%Advertised annual percentage rate	Not listed in source observation	2026-09-28	Source ↗

Rates are public observations, not personalized offers. Your APR may vary with credit, term, collateral, membership, autopay, and other lender rules.

Less-verified observations (1)

Excluded from rankings because the source or product mapping could not be verified confidently.

AutoRanked by advertised annual percentage rate · dataset refreshed October 5, 2026

Lender & product	APR	Fees	Verified
Worcester Credit UnionNew auto loan · 36 monthsAutoMA localNew36 monthsMA HQCredit unionlow confidence Terms & assumptions Rate shown only in payment example on auto loans page (3-yr term at 4.99% APR); full auto rate table not retrieved; new-vs-used not specified	4.99%Advertised annual percentage rate	Not listed in source observation	2026-09-28	Source ↗

Rates are public observations, not personalized offers. Your APR may vary with credit, term, collateral, membership, autopay, and other lender rules.

Products without a single advertised APR (32)

These source pages describe multiple rates or a margin formula but do not publish one comparable APR, so they are not ranked.

Lender & product	APR	Verified
Metro Credit UnionUsed auto loan · 60 monthsAutoMA localUsed Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: ch 11, 2026	Not published	2026-10-05	Source ↗
BrightBridge Credit Union (formerly RTN Federal Credit Union)Used auto loanAutoMA localUsed Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical	Not published	2026-10-05	Source ↗
BrightBridge Credit Union (formerly RTN Federal Credit Union)Used auto loanAutoMA localUsed Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical	Not published	2026-10-05	Source ↗
Harvard Federal Credit UnionUsed auto loan · 60 monthsAutoMA localUsed Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: er 1, 2026	Not published	2026-10-05	Source ↗
Harvard Federal Credit UnionUsed auto loan · 60 monthsAutoMA localUsed Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: September 1, 2026	Not published	2026-10-05	Source ↗
Harvard Federal Credit UnionNew auto loan · 60 monthsAutoMA localNew Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: er 1, 2026	Not published	2026-10-05	Source ↗
Coastal Heritage BankUsed auto loan · 60 monthsAutoMA localUsed Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: July 20, 2026	Not published	2026-10-05	Source ↗
Coastal Heritage BankUsed auto loan · 60 monthsAutoMA localUsed Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: July 20, 2026	Not published	2026-10-05	Source ↗
Coastal Heritage BankUsed auto loan · 60 monthsAutoMA localUsed Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: July 20, 2026	Not published	2026-10-05	Source ↗
Coastal Heritage BankUsed auto loan · 72 monthsAutoMA localUsed Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: July 20, 2026	Not published	2026-10-05	Source ↗
Coastal Heritage BankUsed auto loan · 72 monthsAutoMA localUsed Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: July 20, 2026	Not published	2026-10-05	Source ↗
BankFiveUsed auto loanAutoMA localUsed Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical	Not published	2026-10-05	Source ↗
BankFiveUsed auto loan · 12 monthsAutoMA localUsed Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical	Not published	2026-10-05	Source ↗
BankFiveUsed auto loan · 12 monthsAutoMA localUsed Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical	Not published	2026-10-05	Source ↗
BankFiveUsed auto loan · 24 monthsAutoMA localUsed Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical	Not published	2026-10-05	Source ↗
BankFiveUsed auto loan · 24 monthsAutoMA localUsed Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical	Not published	2026-10-05	Source ↗
Cornerstone BankUsed auto loan · 36 monthsAutoMA localUsed Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical	Not published	2026-10-05	Source ↗
Cornerstone BankUsed auto loan · 48 monthsAutoMA localUsed Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical	Not published	2026-10-05	Source ↗
Country Bank for SavingsUsed auto loan · 60 monthsAutoMA localUsed Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: er 1, 2026	Not published	2026-10-05	Source ↗
Country Bank for SavingsUsed auto loan · 60 monthsAutoMA localUsed Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: er 1, 2026	Not published	2026-10-05	Source ↗
Country Bank for SavingsUsed auto loan · 72 monthsAutoMA localUsed Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: er 1, 2026	Not published	2026-10-05	Source ↗
Greenfield Cooperative BankNew auto loan · 60 monthsAutoMA localNew Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); page effective date: 10/5/2026	Not published	2026-10-05	Source ↗
Greenfield Cooperative BankNew auto loan · 60 monthsAutoMA localNew Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); page effective date: 10/5/2026	Not published	2026-10-05	Source ↗
Greenfield Cooperative BankNew auto loan · 72 monthsAutoMA localNew Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); page effective date: 10/5/2026	Not published	2026-10-05	Source ↗
Greenfield Cooperative BankUsed auto loan · 36 monthsAutoMA localUsed Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); page effective date: 10/5/2026	Not published	2026-10-05	Source ↗
Greenfield Cooperative BankNew auto loan · 48 monthsAutoMA localNew Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); page effective date: 10/5/2026	Not published	2026-10-05	Source ↗
Haverhill BankNew auto loan · 36 monthsAutoMA localNew Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: September 29, 2026	Not published	2026-10-05	Source ↗
Haverhill BankUsed auto loan · 36 monthsAutoMA localUsed Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: September 29, 2026	Not published	2026-10-05	Source ↗
Haverhill BankUsed auto loan · 60 monthsAutoMA localUsed Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: September 29, 2026	Not published	2026-10-05	Source ↗
Haverhill BankUsed auto loan · 36 monthsAutoMA localUsed Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: September 29, 2026	Not published	2026-10-05	Source ↗
Haverhill BankUsed auto loan · 36 monthsAutoMA localUsed Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); page effective date: ember 29, 2026	Not published	2026-10-05	Source ↗
Naveo Credit UnionNew auto loan · 84 monthsAutoMA localNew Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); page effective date: 09/17/2026	Not published	2026-10-05	Source ↗

Common questions

What credit score do I need for the best auto loan rate?

Lenders set their own thresholds, and most don’t publish them. In our October 5, 2026 dataset, the lowest advertised new-vehicle APR — 3.99% on a 60-month loan, verified October 5, 2026 — required 700+ credit plus stacked discounts. Check each row’s stated credit assumption and confirm your tier with the lender.

What is a good auto loan APR right now?

LoanMate publishes lender-advertised APRs, not averages. In our October 5, 2026 snapshot of 189 verified APR observations for Massachusetts borrowers, the lowest advertised new-vehicle APR was 3.99% and the lowest used-vehicle APR was 4.04% — each with the lender’s stated credit and term assumptions.

Is the APR here a personalized offer?

No. Each APR is a public observation from the lender’s own page, labeled with its own last-verified date and time. Your credit, income, term, collateral, autopay choices, and membership discounts change the real result, so confirm current pricing and eligibility directly with the lender.

Should new and used vehicle rates be compared together?

No. New and used vehicle purchases usually price on separate lender tables with different risk floors, model-year rules, and term limits. The vehicle filter keeps them as distinct tables, never mixing the two into a single rank, so each comparison stays directly comparable.