Auto Loans


The key to getting the best overall car deal is getting the financing that you can afford! At Mass Bay, we can work with you before you shop to help you determine the best price/monthly payment situation for your individual budget. We’ll pre-approve you for your loan. You’ll then shop with the power of being a CASH buyer, putting you in the best position to qualify for the most dealer incentives and discounts. You can apply online or in any branch and find all of our current rates online.

Our loan options include:

  • New or Used Automobile/Motorcycle Loans up to 72 months (6 years)
  • New/Used Boat Loans



Through our partnership with Enterprise, Members can receive monthly specials on top of the already low, no-haggle pricing on America’s best selection of quality used cars. To learn more and see this month’s specials go to


Ding Guard provides another layer of coverage for your vehicle for an UNLIMITED amount of dents and dings that can be removed over the life of the contract without you ever having to file a claim on your auto insurance policy; therefore, increasing the value of your vehicle for just a few cents a day.

  • Unlimited dent and ding removal over the life of the contract
  • Reimbursement of auto hail claim deductible up to $500
  • Unlimited windshield chip repair
  • Four alloy wheel repairs
  • One day auto rental


We know how daunting it can be to shop for a new or used car. With AutoSMART, Members now can get all the information they need to get the best deal possible. Whether you are going to a dealer or buying a vehicle from a friend, with our tools you’ll know just how much you should be paying. On our website Automobile Research Center you can:

  • Shop a network of new and used automobile dealerships
  • Compare up to 3 new automobiles at once
  • Get price quotes
  • Communicate by email with these dealerships
  • Access NADA or Kelley Blue Book price data
  • Use the loan payment calculator
  • Read many interesting and informative articles
  • Apply for a loan
  • Enter to win periodic drawings and prizes