Mass Bay Credit Union will never call and ask you for account or other personal information. We recognize that there are people hoping to gain access to your deposit accounts, debit card, credit card and other personal information to make purchases and access your money. Do not become a victim. If someone calls you, and the caller ID is our phone number, we ask that you do NOT give out or confirm your personal information, account numbers, PINs, social security or other sensitive information. Hang up, do not press re-dial, and call us at 617-269-2700. Do not be coaxed via text or email either! We want to keep you safe from fraudsters.
xAuto Loans
*Payments may be deferred up to 60 days. Interest will begin to accrue on the date the loan is funded. Payments will be applied to the interest accrued and then applied to the principal due. Subject to credit approval. Rate, term and approval based on credit worthiness.
Pay less with a low-interest auto loan on new and used vehicles.
Apply Online or by Phone.View Today's Auto RatesMost loans can close online. |
| Fixed Rates as low as |
New Cars with Under 25,000 Miles 4.99% APR* |
Used Car Models Over 25,000 Miles 5.24% APR* |
Used Car Models 2018 or Older 9.99% APR* |
Benefits of Auto Loans from Mass Bay Credit Union
Competitive Interest Rates
Enjoy a fixed APR based on your credit, term, and vehicle age with a discount for auto pay.
No Payments for First 60 Days*
Payments may be deferred up to 60 days. Interest will accrue during deferral period.
Auto Refinancing is 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 at our greater Boston area Credit Union.
Easy Online Application
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 a branch or our lending office.
Use Our Simple Auto Loan Calculator
Find out how much car you can afford so you can always stay on top of your payments.
Make the Move to Mass Bay Today!
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 |
| 2018 or older | 48 | 9.99% | $25.36 |
5 Year Auto Loan
Car Type |
Term (Months) |
APR* AS LOW AS |
Payment per $1,000 |
|---|---|---|---|
| New < 25K miles | 60 | 5.49% | $19.10 |
| Used > 25K miles | 60 | 5.99% | $19.33 |
| 2018 or older | 60 | 10.49% | $21.49 |
6 Year Auto Loan
Car Type |
Term (Months) |
APR* AS LOW AS |
Payment per $1,000 |
|---|---|---|---|
| New < 25K miles | 72 | 5.99% | $16.57 |
| Used > 25K miles | 72 | 6.74% | $16.92 |
See disclaimers, disclosures, and additional text.
*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. 5.24% APR is for terms up to 48 months for vehicles with more than 25,000 miles. Monthly payment is $23.14 per $1,000 borrowed. 5.49% APR without automatic payments. Monthly payment without automatic payments is $23.25 per $1,000 borrowed. 9.99% APR is for terms up to 48 months for used car models from 2018 or older. Monthly payment is $25.36 per $1,000 borrowed. 10.24% APR without automatic payments. Monthly payment without automatic payments is $25.48 per $1,000 borrowed. Other rates and terms are available. Up to 105% financing based on the JD Power retail value. Qualification restrictions apply. Rate, term and approval based on credit worthiness. Rates are subject to change without notice.
*APR= Annual Percentage Rate. Maximum term for new auto and motorcycle loans is 72 months.
*Payments may be deferred up to 60 days. Interest will begin to accrue on the date the loan is funded. Payments will be applied to the interest accrued and then applied to the principal due. Subject to credit approval. Rate, term and approval based on credit worthiness.