Credit union · Massachusetts

BrightBridge Credit Union auto loan rates compared

JustAutoRates is an independent comparison site. We aren’t affiliated with the lenders listed here. To apply, visit the lender’s own site.

Massachusetts · Headquarters MassachusettsChecked Nov 13, 2026Rate page on brightbridge.com

EligibilityPer BrightBridge: We serve these areas: Connecticut: Hartford County, Tolland County Massachusetts: Barnstable County, Bristol County, Essex County, Franklin County, Hampden County, Hampshire County, Middlesex County, Norfolk County, Plymouth County, Suffolk County, Worcester County New Hampshire: Hillsborough County, Rockingham County Rhode Island: Kent County, Providence County

Visit lender Opens brightbridge.com

Lowest new rate

4.74%APR, as low as

NewUp to 36 monthsBrightBridge Credit Union

Direct depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.LTV 100% or lessLTV 100% or less: Loan-to-value (loan amount vs. vehicle value) must be 100% or less. Your rate still depends on creditworthiness, term, and eligibility.
+1 more+2 moreMA, CT, NH & RI countiesMA, CT, NH & RI counties: For a specific group: only open to people who live, work, volunteer, or attend school in Hartford or Tolland County, CT; Barnstable, Bristol, Essex, Franklin, Hampden, Hampshire, Middlesex, Norfolk, Plymouth, Suffolk, or Worcester County, MA; Hillsborough or Rockingham County, NH; or Kent or Providence County, RI. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 36 months at 4.74% APR. Estimated payment: $747/mo

Assumes fixed APR, $0 down, no fees.

MA lender. Not all qualify, see requirements.

Lenders

Tagged rates need something extra, like autopay or a specific dealer. Untagged rates are the lender's standard rate.

On rates tagged with autopay, direct deposit, or a relationship discount, the published figure includes that discount.

NewNew car rates · 3 rates

MAChecked Nov 13, 2026

New
As low as

4.74%APRUp to 36 months

2021 or newer models

Requires:Direct depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.LTV 100% or lessLTV 100% or less: Loan-to-value (loan amount vs. vehicle value) must be 100% or less. Your rate still depends on creditworthiness, term, and eligibility.MA, CT, NH & RI countiesMA, CT, NH & RI counties: For a specific group: only open to people who live, work, volunteer, or attend school in Hartford or Tolland County, CT; Barnstable, Bristol, Essex, Franklin, Hampden, Hampshire, Middlesex, Norfolk, Plymouth, Suffolk, or Worcester County, MA; Hillsborough or Rockingham County, NH; or Kent or Providence County, RI. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 36 months at 4.74% APR. Estimated payment: $747/mo

Assumes fixed APR, $0 down, no fees.

Advertised as up to 36 months. Vehicle Loans, Model Years 2026 - 2021: Up to 36 months, APR* as low as 4.74%. New vs used not separated (rates are by model year). "* APR is Annual Percentage Rate. Offers are subject to change without prior notice. Loan rates and terms may vary and are subject to application creditworthiness. To qualify for these rates, newly established direct deposit relationships of a minimum of $1,000 per month into any deposit account must be initiated within 45 days of loan closing. If the direct deposit is not established or is discontinued, the interest rate will increase by 0.50%. Direct deposit includes deposits from employer payroll, government benefits, retirement payments or pensions. Offer valid on auto loans originated on or after January 1, 2026. Not applicable to Line of credit, revolving or credit products. Promotional discount offering may be withdrawn at any time. Additional rates and terms are available. Advertised rate(s) available on New & Used Vehicle Loans of Model Year 2021 or Newer with a maximum loan to value (LTV) of 100% or less." "Effective Date:" "Friday, November 13th, 2026"

Checked Nov 13, 2026Source brightbridge.com

Calculate payment, BrightBridge Credit Union, 4.74% APR, new, up to 36 months, 2021 or newer modelsVisit lender, BrightBridge Credit Union, 4.74% APR, new, up to 36 months, 2021 or newer models ↗

MAChecked Nov 13, 2026

New
As low as

4.99%APR37–48 months

2021 or newer models

Requires:Direct depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.LTV 100% or lessLTV 100% or less: Loan-to-value (loan amount vs. vehicle value) must be 100% or less. Your rate still depends on creditworthiness, term, and eligibility.MA, CT, NH & RI countiesMA, CT, NH & RI counties: For a specific group: only open to people who live, work, volunteer, or attend school in Hartford or Tolland County, CT; Barnstable, Bristol, Essex, Franklin, Hampden, Hampshire, Middlesex, Norfolk, Plymouth, Suffolk, or Worcester County, MA; Hillsborough or Rockingham County, NH; or Kent or Providence County, RI. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 48 months at 4.99% APR. Estimated payment: $576/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 37-48 months. Vehicle Loans, Model Years 2026 - 2021: 37 to 48 months, APR* as low as 4.99%. New vs used not separated (rates are by model year). "* APR is Annual Percentage Rate. Offers are subject to change without prior notice. Loan rates and terms may vary and are subject to application creditworthiness. To qualify for these rates, newly established direct deposit relationships of a minimum of $1,000 per month into any deposit account must be initiated within 45 days of loan closing. If the direct deposit is not established or is discontinued, the interest rate will increase by 0.50%. Direct deposit includes deposits from employer payroll, government benefits, retirement payments or pensions. Offer valid on auto loans originated on or after January 1, 2026. Not applicable to Line of credit, revolving or credit products. Promotional discount offering may be withdrawn at any time. Additional rates and terms are available. Advertised rate(s) available on New & Used Vehicle Loans of Model Year 2021 or Newer with a maximum loan to value (LTV) of 100% or less." "Effective Date:" "Friday, November 13th, 2026"

Checked Nov 13, 2026Source brightbridge.com

Calculate payment, BrightBridge Credit Union, 4.99% APR, new, 37–48 months, 2021 or newer modelsVisit lender, BrightBridge Credit Union, 4.99% APR, new, 37–48 months, 2021 or newer models ↗

MAChecked Nov 13, 2026

New
As low as

4.99%APR49–66 months

2021 or newer models

Requires:Direct depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.LTV 100% or lessLTV 100% or less: Loan-to-value (loan amount vs. vehicle value) must be 100% or less. Your rate still depends on creditworthiness, term, and eligibility.MA, CT, NH & RI countiesMA, CT, NH & RI counties: For a specific group: only open to people who live, work, volunteer, or attend school in Hartford or Tolland County, CT; Barnstable, Bristol, Essex, Franklin, Hampden, Hampshire, Middlesex, Norfolk, Plymouth, Suffolk, or Worcester County, MA; Hillsborough or Rockingham County, NH; or Kent or Providence County, RI. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 66 months at 4.99% APR. Estimated payment: $434/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 49-66 months. Vehicle Loans, Model Years 2026 - 2021: 49 to 66 months, APR* as low as 4.99%. New vs used not separated (rates are by model year). "* APR is Annual Percentage Rate. Offers are subject to change without prior notice. Loan rates and terms may vary and are subject to application creditworthiness. To qualify for these rates, newly established direct deposit relationships of a minimum of $1,000 per month into any deposit account must be initiated within 45 days of loan closing. If the direct deposit is not established or is discontinued, the interest rate will increase by 0.50%. Direct deposit includes deposits from employer payroll, government benefits, retirement payments or pensions. Offer valid on auto loans originated on or after January 1, 2026. Not applicable to Line of credit, revolving or credit products. Promotional discount offering may be withdrawn at any time. Additional rates and terms are available. Advertised rate(s) available on New & Used Vehicle Loans of Model Year 2021 or Newer with a maximum loan to value (LTV) of 100% or less." "Effective Date:" "Friday, November 13th, 2026"

Checked Nov 13, 2026Source brightbridge.com

Calculate payment, BrightBridge Credit Union, 4.99% APR, new, 49–66 months, 2021 or newer modelsVisit lender, BrightBridge Credit Union, 4.99% APR, new, 49–66 months, 2021 or newer models ↗
4.74%APR

New car

Visit lender, BrightBridge Credit Union, 4.74% APR, new, up to 36 months, 2021 or newer models

MA · 2021 or newer modelsChecked Nov 13, 2026Up to 36 months

Direct depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.LTV 100% or lessLTV 100% or less: Loan-to-value (loan amount vs. vehicle value) must be 100% or less. Your rate still depends on creditworthiness, term, and eligibility.
+1 moreMA, CT, NH & RI countiesMA, CT, NH & RI counties: For a specific group: only open to people who live, work, volunteer, or attend school in Hartford or Tolland County, CT; Barnstable, Bristol, Essex, Franklin, Hampden, Hampshire, Middlesex, Norfolk, Plymouth, Suffolk, or Worcester County, MA; Hillsborough or Rockingham County, NH; or Kent or Providence County, RI. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 36 months at 4.74% APR. Estimated payment: $747/mo

Assumes fixed APR, $0 down, no fees.

4.99%APR

New car

Visit lender, BrightBridge Credit Union, 4.99% APR, new, 37–48 months, 2021 or newer models

MA · 2021 or newer modelsChecked Nov 13, 202637–48 months

Direct depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.LTV 100% or lessLTV 100% or less: Loan-to-value (loan amount vs. vehicle value) must be 100% or less. Your rate still depends on creditworthiness, term, and eligibility.
+1 moreMA, CT, NH & RI countiesMA, CT, NH & RI counties: For a specific group: only open to people who live, work, volunteer, or attend school in Hartford or Tolland County, CT; Barnstable, Bristol, Essex, Franklin, Hampden, Hampshire, Middlesex, Norfolk, Plymouth, Suffolk, or Worcester County, MA; Hillsborough or Rockingham County, NH; or Kent or Providence County, RI. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 48 months at 4.99% APR. Estimated payment: $576/mo

Assumes fixed APR, $0 down, no fees.

4.99%APR

New car

Visit lender, BrightBridge Credit Union, 4.99% APR, new, 49–66 months, 2021 or newer models

MA · 2021 or newer modelsChecked Nov 13, 202649–66 months

Direct depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.LTV 100% or lessLTV 100% or less: Loan-to-value (loan amount vs. vehicle value) must be 100% or less. Your rate still depends on creditworthiness, term, and eligibility.
+1 moreMA, CT, NH & RI countiesMA, CT, NH & RI counties: For a specific group: only open to people who live, work, volunteer, or attend school in Hartford or Tolland County, CT; Barnstable, Bristol, Essex, Franklin, Hampden, Hampshire, Middlesex, Norfolk, Plymouth, Suffolk, or Worcester County, MA; Hillsborough or Rockingham County, NH; or Kent or Providence County, RI. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 66 months at 4.99% APR. Estimated payment: $434/mo

Assumes fixed APR, $0 down, no fees.

UsedUsed car rates · 3 rates

MAChecked Nov 13, 2026

Used
As low as

4.74%APRUp to 36 months

2021 or newer models

Requires:Direct depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.LTV 100% or lessLTV 100% or less: Loan-to-value (loan amount vs. vehicle value) must be 100% or less. Your rate still depends on creditworthiness, term, and eligibility.MA, CT, NH & RI countiesMA, CT, NH & RI counties: For a specific group: only open to people who live, work, volunteer, or attend school in Hartford or Tolland County, CT; Barnstable, Bristol, Essex, Franklin, Hampden, Hampshire, Middlesex, Norfolk, Plymouth, Suffolk, or Worcester County, MA; Hillsborough or Rockingham County, NH; or Kent or Providence County, RI. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 36 months at 4.74% APR. Estimated payment: $747/mo

Assumes fixed APR, $0 down, no fees.

Advertised as up to 36 months. Vehicle Loans, Model Years 2026 - 2021: Up to 36 months, APR* as low as 4.74%. New vs used not separated (rates are by model year). "* APR is Annual Percentage Rate. Offers are subject to change without prior notice. Loan rates and terms may vary and are subject to application creditworthiness. To qualify for these rates, newly established direct deposit relationships of a minimum of $1,000 per month into any deposit account must be initiated within 45 days of loan closing. If the direct deposit is not established or is discontinued, the interest rate will increase by 0.50%. Direct deposit includes deposits from employer payroll, government benefits, retirement payments or pensions. Offer valid on auto loans originated on or after January 1, 2026. Not applicable to Line of credit, revolving or credit products. Promotional discount offering may be withdrawn at any time. Additional rates and terms are available. Advertised rate(s) available on New & Used Vehicle Loans of Model Year 2021 or Newer with a maximum loan to value (LTV) of 100% or less." "Effective Date:" "Friday, November 13th, 2026"

Checked Nov 13, 2026Source brightbridge.com

Calculate payment, BrightBridge Credit Union, 4.74% APR, used, up to 36 months, 2021 or newer modelsVisit lender, BrightBridge Credit Union, 4.74% APR, used, up to 36 months, 2021 or newer models ↗

MAChecked Nov 13, 2026

Used
As low as

4.99%APR37–48 months

2021 or newer models

Requires:Direct depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.LTV 100% or lessLTV 100% or less: Loan-to-value (loan amount vs. vehicle value) must be 100% or less. Your rate still depends on creditworthiness, term, and eligibility.MA, CT, NH & RI countiesMA, CT, NH & RI counties: For a specific group: only open to people who live, work, volunteer, or attend school in Hartford or Tolland County, CT; Barnstable, Bristol, Essex, Franklin, Hampden, Hampshire, Middlesex, Norfolk, Plymouth, Suffolk, or Worcester County, MA; Hillsborough or Rockingham County, NH; or Kent or Providence County, RI. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 48 months at 4.99% APR. Estimated payment: $576/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 37-48 months. Vehicle Loans, Model Years 2026 - 2021: 37 to 48 months, APR* as low as 4.99%. New vs used not separated (rates are by model year). "* APR is Annual Percentage Rate. Offers are subject to change without prior notice. Loan rates and terms may vary and are subject to application creditworthiness. To qualify for these rates, newly established direct deposit relationships of a minimum of $1,000 per month into any deposit account must be initiated within 45 days of loan closing. If the direct deposit is not established or is discontinued, the interest rate will increase by 0.50%. Direct deposit includes deposits from employer payroll, government benefits, retirement payments or pensions. Offer valid on auto loans originated on or after January 1, 2026. Not applicable to Line of credit, revolving or credit products. Promotional discount offering may be withdrawn at any time. Additional rates and terms are available. Advertised rate(s) available on New & Used Vehicle Loans of Model Year 2021 or Newer with a maximum loan to value (LTV) of 100% or less." "Effective Date:" "Friday, November 13th, 2026"

Checked Nov 13, 2026Source brightbridge.com

Calculate payment, BrightBridge Credit Union, 4.99% APR, used, 37–48 months, 2021 or newer modelsVisit lender, BrightBridge Credit Union, 4.99% APR, used, 37–48 months, 2021 or newer models ↗

MAChecked Nov 13, 2026

Used
As low as

4.99%APR49–66 months

2021 or newer models

Requires:Direct depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.LTV 100% or lessLTV 100% or less: Loan-to-value (loan amount vs. vehicle value) must be 100% or less. Your rate still depends on creditworthiness, term, and eligibility.MA, CT, NH & RI countiesMA, CT, NH & RI counties: For a specific group: only open to people who live, work, volunteer, or attend school in Hartford or Tolland County, CT; Barnstable, Bristol, Essex, Franklin, Hampden, Hampshire, Middlesex, Norfolk, Plymouth, Suffolk, or Worcester County, MA; Hillsborough or Rockingham County, NH; or Kent or Providence County, RI. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 66 months at 4.99% APR. Estimated payment: $434/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 49-66 months. Vehicle Loans, Model Years 2026 - 2021: 49 to 66 months, APR* as low as 4.99%. New vs used not separated (rates are by model year). "* APR is Annual Percentage Rate. Offers are subject to change without prior notice. Loan rates and terms may vary and are subject to application creditworthiness. To qualify for these rates, newly established direct deposit relationships of a minimum of $1,000 per month into any deposit account must be initiated within 45 days of loan closing. If the direct deposit is not established or is discontinued, the interest rate will increase by 0.50%. Direct deposit includes deposits from employer payroll, government benefits, retirement payments or pensions. Offer valid on auto loans originated on or after January 1, 2026. Not applicable to Line of credit, revolving or credit products. Promotional discount offering may be withdrawn at any time. Additional rates and terms are available. Advertised rate(s) available on New & Used Vehicle Loans of Model Year 2021 or Newer with a maximum loan to value (LTV) of 100% or less." "Effective Date:" "Friday, November 13th, 2026"

Checked Nov 13, 2026Source brightbridge.com

Calculate payment, BrightBridge Credit Union, 4.99% APR, used, 49–66 months, 2021 or newer modelsVisit lender, BrightBridge Credit Union, 4.99% APR, used, 49–66 months, 2021 or newer models ↗
4.74%APR

Used car

Visit lender, BrightBridge Credit Union, 4.74% APR, used, up to 36 months, 2021 or newer models

MA · 2021 or newer modelsChecked Nov 13, 2026Up to 36 months

Direct depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.LTV 100% or lessLTV 100% or less: Loan-to-value (loan amount vs. vehicle value) must be 100% or less. Your rate still depends on creditworthiness, term, and eligibility.
+1 moreMA, CT, NH & RI countiesMA, CT, NH & RI counties: For a specific group: only open to people who live, work, volunteer, or attend school in Hartford or Tolland County, CT; Barnstable, Bristol, Essex, Franklin, Hampden, Hampshire, Middlesex, Norfolk, Plymouth, Suffolk, or Worcester County, MA; Hillsborough or Rockingham County, NH; or Kent or Providence County, RI. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 36 months at 4.74% APR. Estimated payment: $747/mo

Assumes fixed APR, $0 down, no fees.

4.99%APR

Used car

Visit lender, BrightBridge Credit Union, 4.99% APR, used, 37–48 months, 2021 or newer models

MA · 2021 or newer modelsChecked Nov 13, 202637–48 months

Direct depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.LTV 100% or lessLTV 100% or less: Loan-to-value (loan amount vs. vehicle value) must be 100% or less. Your rate still depends on creditworthiness, term, and eligibility.
+1 moreMA, CT, NH & RI countiesMA, CT, NH & RI counties: For a specific group: only open to people who live, work, volunteer, or attend school in Hartford or Tolland County, CT; Barnstable, Bristol, Essex, Franklin, Hampden, Hampshire, Middlesex, Norfolk, Plymouth, Suffolk, or Worcester County, MA; Hillsborough or Rockingham County, NH; or Kent or Providence County, RI. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 48 months at 4.99% APR. Estimated payment: $576/mo

Assumes fixed APR, $0 down, no fees.

4.99%APR

Used car

Visit lender, BrightBridge Credit Union, 4.99% APR, used, 49–66 months, 2021 or newer models

MA · 2021 or newer modelsChecked Nov 13, 202649–66 months

Direct depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.LTV 100% or lessLTV 100% or less: Loan-to-value (loan amount vs. vehicle value) must be 100% or less. Your rate still depends on creditworthiness, term, and eligibility.
+1 moreMA, CT, NH & RI countiesMA, CT, NH & RI counties: For a specific group: only open to people who live, work, volunteer, or attend school in Hartford or Tolland County, CT; Barnstable, Bristol, Essex, Franklin, Hampden, Hampshire, Middlesex, Norfolk, Plymouth, Suffolk, or Worcester County, MA; Hillsborough or Rockingham County, NH; or Kent or Providence County, RI. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 66 months at 4.99% APR. Estimated payment: $434/mo

Assumes fixed APR, $0 down, no fees.