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xAuto Loan Refinancing
Now may be the time to lower your car payment.
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Apply Online or by Phone.View Today's Auto RatesMost loans can close online.
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Auto Loan Refinancing in MA - It's easy!
Mass Bay Credit Union wants to help you lower your car payment by refinancing your new or used auto loan. Explore our great, low car and truck loan rates and see if we can help you save money by refinancing your car loan with our greater Boston area Credit Union.
60 Days No Payments is Available
Payments may be deferred up to 60 days. Interest will accrue during deferral period.
Auto Refinancing is Easy, and can often be signed entirely online!
We strive to make lowering your monthly car payment as easy and seamless as possible. You can apply to refinance your auto loan online, and most loans can close without having to visit the branch.
New and Used Auto Loan Rates
4 Year Auto Loan
Car Type |
Term (Months) |
APR* AS LOW AS |
Payment per $1,000 |
|---|---|---|---|
| New < 25K miles | 48 | 2.49% | $21.91 |
| Used > 25K miles | 48 | 2.49% | $21.91 |
| 2013 or older | 48 | 8.74% | $24.76 |
5 Year Auto Loan
Car Type |
Term (Months) |
APR* AS LOW AS |
Payment per $1,000 |
|---|---|---|---|
| New < 25K miles | 60 | 2.74% | $17.86 |
| Used > 25K miles | 60 | 3.49% | $18.19 |
| 2013 or older | 60 | N/A | N/A |
6 Year Auto Loan
Car Type |
Term (Months) |
APR* AS LOW AS |
Payment per $1,000 |
|---|---|---|---|
| New < 25K miles | 72 | 3.24% | $15.31 |
| Used > 25K miles | 72 | 4.24% | $15.76 |
| 2013 or older | 72 | N/A | N/A |
*APR=Annual Percentage Rate. All APRs includes a .25% discount for automatic payments or direct deposit. Other rates and terms are available. Up to 105% financing based on the NADA retail value. Qualification restrictions apply. Rate, term and approval based on credit worthiness. Rates are subject to change without notice.