Our system will undergo a hardware upgrade during the weekend of September 23-24, 2023. From 10 pm Saturday through 10:30 am Sunday, you may experience a service interruption and/or be unable to use remote deposit capture. We apologize for any inconvenience.
xAuto Loans
Now may be the time to lower your car payment.
Apply Online or by Phone.View Today's Auto RatesMost loans can close online. |
*APR=Annual Percentage Rate. APR includes a .25% discount for automatic payments. 4.99% APR is for terms up to 48 months for vehicles with less than 25,000 miles. Monthly payment is $23.02 per $1,000 borrowed. 5.24% APR without automatic payments. Monthly payment without automatic payments is $23.14 per $1,000 borrowed. 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.
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 | 4.99% | $23.02 |
| Used > 25K miles | 48 | 5.24% | $23.14 |
| 2016 or older | 48 | 9.74% | $25.24 |
Apply Now
5 Year Auto Loan
Car Type |
Term (Months) |
APR* AS LOW AS |
Payment per $1,000 |
|---|---|---|---|
| New < 25K miles | 60 | 5.24% | $18.98 |
| Used > 25K miles | 60 | 5.74% | $19.21 |
| 2016 or older | 60 | 10.24% | $21.37 |
Apply Now
6 Year Auto Loan
Car Type |
Term (Months) |
APR* AS LOW AS |
Payment per $1,000 |
|---|---|---|---|
| New < 25K miles | 72 | 5.74% | $16.45 |
| Used > 25K miles | 72 | 6.49% | $16.81 |
*APR= Annual Percentage Rate. Maximum term for new auto and motorcycle loans is 72 months. APR includes a .25% discount for automatic loan payments. Qualification restrictions apply. Rates shown are lowest rate. Rate, term and approval based on credit worthiness.