Auto (Vehicle) Loan Rates

TermTermInterest RateAPR*Monthly Payment per $1,000**
New Automobile Loans- Never Been TitledUp to 75 months5.990%5.990%$16.02
Used Automobile Loans, 2022 and Newer Model Years24-63 months6.500%6.500%$18.78
64-75 months6.750%6.750%$16.38
76-84 months7.250%7.250%$15.22
Used Automobile Loans, 2021-2018 Model Years24 - 63 months7.500%7.500%$19.25
64-75 months7.750%7.750%$16.86
76 - 84 months9.000%9.000%$16.09
*Annual Percentage Rates (APR) are effective July 9, 2025 and are subject to change without notice. Rates shown are based on our credit Tier 1. Your actual rate may be higher based on your individual credit score, year of vehicle and term requested. All loan applications are subject to credit union underwriting guidelines and credit approval. Our maximum loan amount for an automobile loan is $100,000. Up to 125% financing is available on new automobiles (never been titled) based on your credit score. Used automobile financing is based on 95% of the purchase price or the NADA retail value, whichever is less. Other restrictions or considerations may apply.

**Monthly payments per thousand are based upon the longest available term.

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For more information about accounts and services, visit a credit union branch in Western MA near you, use our Contact Form, or call us at (413) 592-9495.

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