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Financial Education: The Latest in Holiday Financial Scams [HERE]

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Auto Loans

Now may be the time to lower your car payment.

Apply Online or by Phone.

View Today's Auto Rates

Most loans can close online.

Apply Now (617) 269-2700 Check Application Status

*APR=Annual Percentage Rate. APR includes a .25% discount for automatic payments. 1.99% APR is for terms up to 48 months. Monthly payment is $21.69 per $1,000 borrowed. 2.24% APR without automatic payments. Monthly payment without automatic payments is $21.80 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 1.99% $21.69
Used > 25K miles 48 2.49% $21.91
2014 or older 48 8.74% $24.76

Apply Now

5 Year Auto Loan

Car Type

Term (Months)

APR* AS LOW AS

Payment per $1,000

New < 25K miles 60 2.24% $17.63
Used > 25K miles 60 2.99% $17.96

Apply Now

6 Year Auto Loan

Car Type

Term (Months)

APR* AS LOW AS

Payment per $1,000

New < 25K miles 72 2.74% $15.08
Used > 25K miles 72 3.74% $15.53

Apply Now

*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.

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