Auto Rates

We Can Refinance Your Current Auto Loan From Another Bank

We have low rates with a variety of payment terms, so you’re sure to find an auto loan that fits your needs! Our auto loans are both easy to apply for and fast to get, with loan terms up to 7 years.

The loan process is quick and easy. Just give us a call at (978) 970-4088, or stop by the office and soon you’ll be driving away in your new car.


Stop by at our office located inside the Lowell City Hall – room 11. The loan application is quick and easy.  

Current Auto Loan Rates

NEW VEHICLES

Cond.
Model Yrs
Term
*APR
Per/$1000
Tier
Credit Score
Debt Ratio
MAX
New
2021 – 2023
year(‘s)
5.5 %
$
1
700-850
42 %
$ 100,000
New
2021 – 2023
year(‘s)
6.25 %
$
2
600-699
38 %
$ 100,000
New
2021 – 2023
year(‘s)
6.5 %
$
3
500-599
32 %
$ 100,000

USED VEHICLES

Cond.
Model Yrs
Term
*APR
Per/$1000
Tier
Credit Score
Debt Ratio
MAX
Used
2017 – 2020
year(‘s)
6.1 %
$
1
700-850
42 %
$ 85,000
Used
2017 – 2020
year(‘s)
6.85 %
$
2
600-699
38 %
$ 85,000
Used
2017 – 2020
year(‘s)
7.1 %
$
3
500-599
32 %
$ 85,000

Note: Individuals with credit scores of 350-499 are not eligible for consideration.

*APR = Annual Percentage Rate, APY = Annual Percentage Yield. Individuals with credit scores of 350-499 are not eligible for consideration.
Tier 3 requires a co-borrower with at least a 650 or higher credit score and credit committee approval.



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