Credit union · Massachusetts

Freedom Credit Union auto loan rates compared

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Massachusetts · Headquarters MassachusettsChecked Nov 13, 2026Rate page on freedom.coop

EligibilityPer Freedom: Freedom Credit Union membership is open to anyone who lives, works or attends school in Hampden, Hampshire, Franklin or Berkshire counties in Massachusetts, and Hartford or Tolland counties in Connecticut.

Visit lender Opens freedom.coop

Lowest new rate

4.04%APR, as low as

New12 monthsFreedom Credit Union

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.
+1 more+2 moreWestern MA & N. CTWestern MA & N. CT: For a specific group: only open to people who live, work or attend school in Hampden, Hampshire, Franklin, or Berkshire County, MA, or Hartford or Tolland County, CT. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 12 months at 4.04% APR. Estimated payment: $2,130/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 · 7 rates

MAChecked Nov 13, 2026

New
As low as

4.04%APR12 months

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.Western MA & N. CTWestern MA & N. CT: For a specific group: only open to people who live, work or attend school in Hampden, Hampshire, Franklin, or Berkshire County, MA, or Hartford or Tolland County, CT. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 12 months at 4.04% APR. Estimated payment: $2,130/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 12 months. Auto Loan Rates: 12 Months, Rates as Low As* (APR) 4.04%. "Our low auto loan rates are effective 10/28/26. Financing available up to 100% of the NADA retail value. These rates are for new or used cars or trucks with no vehicle age restriction." "*Annual Percentage Rate. Rates quoted are based on our "A" credit grade and require automatic payments from a Freedom Credit Union checking account. Rates are increased by 0.25% if automatic payment is not set up. Your actual rate may be higher depending on your individual credit score and qualifications. Offer of credit subject to credit approval. Rates subject to change at any time."

Checked Nov 13, 2026Source freedom.coop

MAChecked Nov 13, 2026

New
As low as

4.24%APR24 months

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.Western MA & N. CTWestern MA & N. CT: For a specific group: only open to people who live, work or attend school in Hampden, Hampshire, Franklin, or Berkshire County, MA, or Hartford or Tolland County, CT. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 24 months at 4.24% APR. Estimated payment: $1,089/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 24 months. Auto Loan Rates: 24 Months, Rates as Low As* (APR) 4.24%. "Our low auto loan rates are effective 10/28/26. Financing available up to 100% of the NADA retail value. These rates are for new or used cars or trucks with no vehicle age restriction." "*Annual Percentage Rate. Rates quoted are based on our "A" credit grade and require automatic payments from a Freedom Credit Union checking account. Rates are increased by 0.25% if automatic payment is not set up. Your actual rate may be higher depending on your individual credit score and qualifications. Offer of credit subject to credit approval. Rates subject to change at any time."

Checked Nov 13, 2026Source freedom.coop

MAChecked Nov 13, 2026

New
As low as

4.59%APR36 months

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.Western MA & N. CTWestern MA & N. CT: For a specific group: only open to people who live, work or attend school in Hampden, Hampshire, Franklin, or Berkshire County, MA, or Hartford or Tolland County, CT. 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 4.59% APR. Estimated payment: $745/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 36 months. Auto Loan Rates: 36 Months, Rates as Low As* (APR) 4.59%. "Our low auto loan rates are effective 10/28/26. Financing available up to 100% of the NADA retail value. These rates are for new or used cars or trucks with no vehicle age restriction." "*Annual Percentage Rate. Rates quoted are based on our "A" credit grade and require automatic payments from a Freedom Credit Union checking account. Rates are increased by 0.25% if automatic payment is not set up. Your actual rate may be higher depending on your individual credit score and qualifications. Offer of credit subject to credit approval. Rates subject to change at any time."

Checked Nov 13, 2026Source freedom.coop

MAChecked Nov 13, 2026

New
As low as

4.99%APR48 months

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.Western MA & N. CTWestern MA & N. CT: For a specific group: only open to people who live, work or attend school in Hampden, Hampshire, Franklin, or Berkshire County, MA, or Hartford or Tolland County, CT. 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 48 months. Auto Loan Rates: 48 Months, Rates as Low As* (APR) 4.99%. "Our low auto loan rates are effective 10/28/26. Financing available up to 100% of the NADA retail value. These rates are for new or used cars or trucks with no vehicle age restriction." "*Annual Percentage Rate. Rates quoted are based on our "A" credit grade and require automatic payments from a Freedom Credit Union checking account. Rates are increased by 0.25% if automatic payment is not set up. Your actual rate may be higher depending on your individual credit score and qualifications. Offer of credit subject to credit approval. Rates subject to change at any time."

Checked Nov 13, 2026Source freedom.coop

MAChecked Nov 13, 2026

New
As low as

5.24%APR60 months

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.Western MA & N. CTWestern MA & N. CT: For a specific group: only open to people who live, work or attend school in Hampden, Hampshire, Franklin, or Berkshire County, MA, or Hartford or Tolland County, CT. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 60 months at 5.24% APR. Estimated payment: $475/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 60 months. Auto Loan Rates: 60 Months, Rates as Low As* (APR) 5.24%. "Our low auto loan rates are effective 10/28/26. Financing available up to 100% of the NADA retail value. These rates are for new or used cars or trucks with no vehicle age restriction." "*Annual Percentage Rate. Rates quoted are based on our "A" credit grade and require automatic payments from a Freedom Credit Union checking account. Rates are increased by 0.25% if automatic payment is not set up. Your actual rate may be higher depending on your individual credit score and qualifications. Offer of credit subject to credit approval. Rates subject to change at any time."

Checked Nov 13, 2026Source freedom.coop

MAChecked Nov 13, 2026

New
As low as

5.74%APR72 months

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.Western MA & N. CTWestern MA & N. CT: For a specific group: only open to people who live, work or attend school in Hampden, Hampshire, Franklin, or Berkshire County, MA, or Hartford or Tolland County, CT. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 72 months at 5.74% APR. Estimated payment: $412/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 72 months. Auto Loan Rates: 72 Months, Rates as Low As* (APR) 5.74%. "Our low auto loan rates are effective 10/28/26. Financing available up to 100% of the NADA retail value. These rates are for new or used cars or trucks with no vehicle age restriction." "*Annual Percentage Rate. Rates quoted are based on our "A" credit grade and require automatic payments from a Freedom Credit Union checking account. Rates are increased by 0.25% if automatic payment is not set up. Your actual rate may be higher depending on your individual credit score and qualifications. Offer of credit subject to credit approval. Rates subject to change at any time."

Checked Nov 13, 2026Source freedom.coop

MAChecked Nov 13, 2026

New
As low as

6.24%APR84 months

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.Western MA & N. CTWestern MA & N. CT: For a specific group: only open to people who live, work or attend school in Hampden, Hampshire, Franklin, or Berkshire County, MA, or Hartford or Tolland County, CT. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 84 months at 6.24% APR. Estimated payment: $369/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 84 months. Auto Loan Rates: 84 Months, Rates as Low As* (APR) 6.24%. "Our low auto loan rates are effective 10/28/26. Financing available up to 100% of the NADA retail value. These rates are for new or used cars or trucks with no vehicle age restriction." "*Annual Percentage Rate. Rates quoted are based on our "A" credit grade and require automatic payments from a Freedom Credit Union checking account. Rates are increased by 0.25% if automatic payment is not set up. Your actual rate may be higher depending on your individual credit score and qualifications. Offer of credit subject to credit approval. Rates subject to change at any time."

Checked Nov 13, 2026Source freedom.coop

4.04%APR

New car

Visit lender, Freedom Credit Union, 4.04% APR, new, 12 months

MAChecked Nov 13, 202612 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.
+1 moreWestern MA & N. CTWestern MA & N. CT: For a specific group: only open to people who live, work or attend school in Hampden, Hampshire, Franklin, or Berkshire County, MA, or Hartford or Tolland County, CT. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 12 months at 4.04% APR. Estimated payment: $2,130/mo

Assumes fixed APR, $0 down, no fees.

4.24%APR

New car

Visit lender, Freedom Credit Union, 4.24% APR, new, 24 months

MAChecked Nov 13, 202624 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.
+1 moreWestern MA & N. CTWestern MA & N. CT: For a specific group: only open to people who live, work or attend school in Hampden, Hampshire, Franklin, or Berkshire County, MA, or Hartford or Tolland County, CT. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 24 months at 4.24% APR. Estimated payment: $1,089/mo

Assumes fixed APR, $0 down, no fees.

4.59%APR

New car

Visit lender, Freedom Credit Union, 4.59% APR, new, 36 months

MAChecked Nov 13, 202636 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.
+1 moreWestern MA & N. CTWestern MA & N. CT: For a specific group: only open to people who live, work or attend school in Hampden, Hampshire, Franklin, or Berkshire County, MA, or Hartford or Tolland County, CT. 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 4.59% APR. Estimated payment: $745/mo

Assumes fixed APR, $0 down, no fees.

4.99%APR

New car

Visit lender, Freedom Credit Union, 4.99% APR, new, 48 months

MAChecked Nov 13, 202648 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.
+1 moreWestern MA & N. CTWestern MA & N. CT: For a specific group: only open to people who live, work or attend school in Hampden, Hampshire, Franklin, or Berkshire County, MA, or Hartford or Tolland County, CT. 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.

5.24%APR

New car

Visit lender, Freedom Credit Union, 5.24% APR, new, 60 months

MAChecked Nov 13, 202660 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.
+1 moreWestern MA & N. CTWestern MA & N. CT: For a specific group: only open to people who live, work or attend school in Hampden, Hampshire, Franklin, or Berkshire County, MA, or Hartford or Tolland County, CT. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 60 months at 5.24% APR. Estimated payment: $475/mo

Assumes fixed APR, $0 down, no fees.

5.74%APR

New car

Visit lender, Freedom Credit Union, 5.74% APR, new, 72 months

MAChecked Nov 13, 202672 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.
+1 moreWestern MA & N. CTWestern MA & N. CT: For a specific group: only open to people who live, work or attend school in Hampden, Hampshire, Franklin, or Berkshire County, MA, or Hartford or Tolland County, CT. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 72 months at 5.74% APR. Estimated payment: $412/mo

Assumes fixed APR, $0 down, no fees.

6.24%APR

New car

Visit lender, Freedom Credit Union, 6.24% APR, new, 84 months

MAChecked Nov 13, 202684 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.
+1 moreWestern MA & N. CTWestern MA & N. CT: For a specific group: only open to people who live, work or attend school in Hampden, Hampshire, Franklin, or Berkshire County, MA, or Hartford or Tolland County, CT. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 84 months at 6.24% APR. Estimated payment: $369/mo

Assumes fixed APR, $0 down, no fees.

UsedUsed car rates · 7 rates

MAChecked Nov 13, 2026

Used
As low as

4.04%APR12 months

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.Western MA & N. CTWestern MA & N. CT: For a specific group: only open to people who live, work or attend school in Hampden, Hampshire, Franklin, or Berkshire County, MA, or Hartford or Tolland County, CT. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 12 months at 4.04% APR. Estimated payment: $2,130/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 12 months. Auto Loan Rates: 12 Months, Rates as Low As* (APR) 4.04%. "Our low auto loan rates are effective 10/28/26. Financing available up to 100% of the NADA retail value. These rates are for new or used cars or trucks with no vehicle age restriction." "*Annual Percentage Rate. Rates quoted are based on our "A" credit grade and require automatic payments from a Freedom Credit Union checking account. Rates are increased by 0.25% if automatic payment is not set up. Your actual rate may be higher depending on your individual credit score and qualifications. Offer of credit subject to credit approval. Rates subject to change at any time."

Checked Nov 13, 2026Source freedom.coop

MAChecked Nov 13, 2026

Used
As low as

4.24%APR24 months

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.Western MA & N. CTWestern MA & N. CT: For a specific group: only open to people who live, work or attend school in Hampden, Hampshire, Franklin, or Berkshire County, MA, or Hartford or Tolland County, CT. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 24 months at 4.24% APR. Estimated payment: $1,089/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 24 months. Auto Loan Rates: 24 Months, Rates as Low As* (APR) 4.24%. "Our low auto loan rates are effective 10/28/26. Financing available up to 100% of the NADA retail value. These rates are for new or used cars or trucks with no vehicle age restriction." "*Annual Percentage Rate. Rates quoted are based on our "A" credit grade and require automatic payments from a Freedom Credit Union checking account. Rates are increased by 0.25% if automatic payment is not set up. Your actual rate may be higher depending on your individual credit score and qualifications. Offer of credit subject to credit approval. Rates subject to change at any time."

Checked Nov 13, 2026Source freedom.coop

MAChecked Nov 13, 2026

Used
As low as

4.59%APR36 months

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.Western MA & N. CTWestern MA & N. CT: For a specific group: only open to people who live, work or attend school in Hampden, Hampshire, Franklin, or Berkshire County, MA, or Hartford or Tolland County, CT. 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 4.59% APR. Estimated payment: $745/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 36 months. Auto Loan Rates: 36 Months, Rates as Low As* (APR) 4.59%. "Our low auto loan rates are effective 10/28/26. Financing available up to 100% of the NADA retail value. These rates are for new or used cars or trucks with no vehicle age restriction." "*Annual Percentage Rate. Rates quoted are based on our "A" credit grade and require automatic payments from a Freedom Credit Union checking account. Rates are increased by 0.25% if automatic payment is not set up. Your actual rate may be higher depending on your individual credit score and qualifications. Offer of credit subject to credit approval. Rates subject to change at any time."

Checked Nov 13, 2026Source freedom.coop

MAChecked Nov 13, 2026

Used
As low as

4.99%APR48 months

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.Western MA & N. CTWestern MA & N. CT: For a specific group: only open to people who live, work or attend school in Hampden, Hampshire, Franklin, or Berkshire County, MA, or Hartford or Tolland County, CT. 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 48 months. Auto Loan Rates: 48 Months, Rates as Low As* (APR) 4.99%. "Our low auto loan rates are effective 10/28/26. Financing available up to 100% of the NADA retail value. These rates are for new or used cars or trucks with no vehicle age restriction." "*Annual Percentage Rate. Rates quoted are based on our "A" credit grade and require automatic payments from a Freedom Credit Union checking account. Rates are increased by 0.25% if automatic payment is not set up. Your actual rate may be higher depending on your individual credit score and qualifications. Offer of credit subject to credit approval. Rates subject to change at any time."

Checked Nov 13, 2026Source freedom.coop

MAChecked Nov 13, 2026

Used
As low as

5.24%APR60 months

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.Western MA & N. CTWestern MA & N. CT: For a specific group: only open to people who live, work or attend school in Hampden, Hampshire, Franklin, or Berkshire County, MA, or Hartford or Tolland County, CT. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 60 months at 5.24% APR. Estimated payment: $475/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 60 months. Auto Loan Rates: 60 Months, Rates as Low As* (APR) 5.24%. "Our low auto loan rates are effective 10/28/26. Financing available up to 100% of the NADA retail value. These rates are for new or used cars or trucks with no vehicle age restriction." "*Annual Percentage Rate. Rates quoted are based on our "A" credit grade and require automatic payments from a Freedom Credit Union checking account. Rates are increased by 0.25% if automatic payment is not set up. Your actual rate may be higher depending on your individual credit score and qualifications. Offer of credit subject to credit approval. Rates subject to change at any time."

Checked Nov 13, 2026Source freedom.coop

MAChecked Nov 13, 2026

Used
As low as

5.74%APR72 months

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.Western MA & N. CTWestern MA & N. CT: For a specific group: only open to people who live, work or attend school in Hampden, Hampshire, Franklin, or Berkshire County, MA, or Hartford or Tolland County, CT. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 72 months at 5.74% APR. Estimated payment: $412/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 72 months. Auto Loan Rates: 72 Months, Rates as Low As* (APR) 5.74%. "Our low auto loan rates are effective 10/28/26. Financing available up to 100% of the NADA retail value. These rates are for new or used cars or trucks with no vehicle age restriction." "*Annual Percentage Rate. Rates quoted are based on our "A" credit grade and require automatic payments from a Freedom Credit Union checking account. Rates are increased by 0.25% if automatic payment is not set up. Your actual rate may be higher depending on your individual credit score and qualifications. Offer of credit subject to credit approval. Rates subject to change at any time."

Checked Nov 13, 2026Source freedom.coop

MAChecked Nov 13, 2026

Used
As low as

6.24%APR84 months

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.Western MA & N. CTWestern MA & N. CT: For a specific group: only open to people who live, work or attend school in Hampden, Hampshire, Franklin, or Berkshire County, MA, or Hartford or Tolland County, CT. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 84 months at 6.24% APR. Estimated payment: $369/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 84 months. Auto Loan Rates: 84 Months, Rates as Low As* (APR) 6.24%. "Our low auto loan rates are effective 10/28/26. Financing available up to 100% of the NADA retail value. These rates are for new or used cars or trucks with no vehicle age restriction." "*Annual Percentage Rate. Rates quoted are based on our "A" credit grade and require automatic payments from a Freedom Credit Union checking account. Rates are increased by 0.25% if automatic payment is not set up. Your actual rate may be higher depending on your individual credit score and qualifications. Offer of credit subject to credit approval. Rates subject to change at any time."

Checked Nov 13, 2026Source freedom.coop

4.04%APR

Used car

Visit lender, Freedom Credit Union, 4.04% APR, used, 12 months

MAChecked Nov 13, 202612 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.
+1 moreWestern MA & N. CTWestern MA & N. CT: For a specific group: only open to people who live, work or attend school in Hampden, Hampshire, Franklin, or Berkshire County, MA, or Hartford or Tolland County, CT. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 12 months at 4.04% APR. Estimated payment: $2,130/mo

Assumes fixed APR, $0 down, no fees.

4.24%APR

Used car

Visit lender, Freedom Credit Union, 4.24% APR, used, 24 months

MAChecked Nov 13, 202624 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.
+1 moreWestern MA & N. CTWestern MA & N. CT: For a specific group: only open to people who live, work or attend school in Hampden, Hampshire, Franklin, or Berkshire County, MA, or Hartford or Tolland County, CT. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 24 months at 4.24% APR. Estimated payment: $1,089/mo

Assumes fixed APR, $0 down, no fees.

4.59%APR

Used car

Visit lender, Freedom Credit Union, 4.59% APR, used, 36 months

MAChecked Nov 13, 202636 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.
+1 moreWestern MA & N. CTWestern MA & N. CT: For a specific group: only open to people who live, work or attend school in Hampden, Hampshire, Franklin, or Berkshire County, MA, or Hartford or Tolland County, CT. 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 4.59% APR. Estimated payment: $745/mo

Assumes fixed APR, $0 down, no fees.

4.99%APR

Used car

Visit lender, Freedom Credit Union, 4.99% APR, used, 48 months

MAChecked Nov 13, 202648 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.
+1 moreWestern MA & N. CTWestern MA & N. CT: For a specific group: only open to people who live, work or attend school in Hampden, Hampshire, Franklin, or Berkshire County, MA, or Hartford or Tolland County, CT. 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.

5.24%APR

Used car

Visit lender, Freedom Credit Union, 5.24% APR, used, 60 months

MAChecked Nov 13, 202660 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.
+1 moreWestern MA & N. CTWestern MA & N. CT: For a specific group: only open to people who live, work or attend school in Hampden, Hampshire, Franklin, or Berkshire County, MA, or Hartford or Tolland County, CT. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 60 months at 5.24% APR. Estimated payment: $475/mo

Assumes fixed APR, $0 down, no fees.

5.74%APR

Used car

Visit lender, Freedom Credit Union, 5.74% APR, used, 72 months

MAChecked Nov 13, 202672 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.
+1 moreWestern MA & N. CTWestern MA & N. CT: For a specific group: only open to people who live, work or attend school in Hampden, Hampshire, Franklin, or Berkshire County, MA, or Hartford or Tolland County, CT. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 72 months at 5.74% APR. Estimated payment: $412/mo

Assumes fixed APR, $0 down, no fees.

6.24%APR

Used car

Visit lender, Freedom Credit Union, 6.24% APR, used, 84 months

MAChecked Nov 13, 202684 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.
+1 moreWestern MA & N. CTWestern MA & N. CT: For a specific group: only open to people who live, work or attend school in Hampden, Hampshire, Franklin, or Berkshire County, MA, or Hartford or Tolland County, CT. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 84 months at 6.24% APR. Estimated payment: $369/mo

Assumes fixed APR, $0 down, no fees.