EligibilityPer Liberty Bay: Liberty Bay serves hardworking men and women in eastern and central Massachusetts who live, work, or attend school in any towns in our service area.
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 moreEastern & central MA townsEastern & central MA towns: For a specific group: only open to people who live, work, or attend school in Liberty Bay's service-area towns in eastern and central Massachusetts, plus family and partner members. 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 4.99% APR. Estimated payment: $750/mo
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
MA • Checked Nov 13, 2026
New
As low as
4.99%APR•Up to 36 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.Eastern & central MA townsEastern & central MA towns: For a specific group: only open to people who live, work, or attend school in Liberty Bay's service-area towns in eastern and central Massachusetts, plus family and partner members. 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 4.99% APR. Estimated payment: $750/mo
Assumes fixed APR, $0 down, no fees.
Advertised as up to 36 months. Auto Loans: Term (months) 0-36, APR* (as low as) 4.99%. New vs used not separated. "Rates effective as of November 12th, 2026. All rates are subject to change at any time." "Maximum loan amount of $250,000.00. *APR= Annual Percentage Rate." "A 0.25% Auto Pay Discount is available when you enroll in automatic payments from a qualified Liberty Bay checking account. The discount applies only while automatic payments remain active and in good standing."
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.Eastern & central MA townsEastern & central MA towns: For a specific group: only open to people who live, work, or attend school in Liberty Bay's service-area towns in eastern and central Massachusetts, plus family and partner members. 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 37-60 months. Auto Loans: Term (months) 37-60, APR* (as low as) 5.24%. New vs used not separated. "Rates effective as of November 12th, 2026. All rates are subject to change at any time." "Maximum loan amount of $250,000.00. *APR= Annual Percentage Rate." "A 0.25% Auto Pay Discount is available when you enroll in automatic payments from a qualified Liberty Bay checking account. The discount applies only while automatic payments remain active and in good standing."
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.Eastern & central MA townsEastern & central MA towns: For a specific group: only open to people who live, work, or attend school in Liberty Bay's service-area towns in eastern and central Massachusetts, plus family and partner members. 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 5.74% APR. Estimated payment: $363/mo
Assumes fixed APR, $0 down, no fees.
Advertised as 61-84 months. Auto Loans: Term (months) 61-84, APR* (as low as) 5.74%. New vs used not separated. "Rates effective as of November 12th, 2026. All rates are subject to change at any time." "Maximum loan amount of $250,000.00. *APR= Annual Percentage Rate." "A 0.25% Auto Pay Discount is available when you enroll in automatic payments from a qualified Liberty Bay checking account. The discount applies only while automatic payments remain active and in good standing."
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 moreEastern & central MA townsEastern & central MA towns: For a specific group: only open to people who live, work, or attend school in Liberty Bay's service-area towns in eastern and central Massachusetts, plus family and partner members. 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 4.99% APR. Estimated payment: $750/mo
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 moreEastern & central MA townsEastern & central MA towns: For a specific group: only open to people who live, work, or attend school in Liberty Bay's service-area towns in eastern and central Massachusetts, plus family and partner members. 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
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 moreEastern & central MA townsEastern & central MA towns: For a specific group: only open to people who live, work, or attend school in Liberty Bay's service-area towns in eastern and central Massachusetts, plus family and partner members. 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 5.74% APR. Estimated payment: $363/mo
Assumes fixed APR, $0 down, no fees.
UsedUsed car rates · 3 rates
MA • Checked Nov 13, 2026
Used
As low as
4.99%APR•Up to 36 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.Eastern & central MA townsEastern & central MA towns: For a specific group: only open to people who live, work, or attend school in Liberty Bay's service-area towns in eastern and central Massachusetts, plus family and partner members. 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 4.99% APR. Estimated payment: $750/mo
Assumes fixed APR, $0 down, no fees.
Advertised as up to 36 months. Auto Loans: Term (months) 0-36, APR* (as low as) 4.99%. New vs used not separated. "Rates effective as of November 12th, 2026. All rates are subject to change at any time." "Maximum loan amount of $250,000.00. *APR= Annual Percentage Rate." "A 0.25% Auto Pay Discount is available when you enroll in automatic payments from a qualified Liberty Bay checking account. The discount applies only while automatic payments remain active and in good standing."
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.Eastern & central MA townsEastern & central MA towns: For a specific group: only open to people who live, work, or attend school in Liberty Bay's service-area towns in eastern and central Massachusetts, plus family and partner members. 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 37-60 months. Auto Loans: Term (months) 37-60, APR* (as low as) 5.24%. New vs used not separated. "Rates effective as of November 12th, 2026. All rates are subject to change at any time." "Maximum loan amount of $250,000.00. *APR= Annual Percentage Rate." "A 0.25% Auto Pay Discount is available when you enroll in automatic payments from a qualified Liberty Bay checking account. The discount applies only while automatic payments remain active and in good standing."
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.Eastern & central MA townsEastern & central MA towns: For a specific group: only open to people who live, work, or attend school in Liberty Bay's service-area towns in eastern and central Massachusetts, plus family and partner members. 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 5.74% APR. Estimated payment: $363/mo
Assumes fixed APR, $0 down, no fees.
Advertised as 61-84 months. Auto Loans: Term (months) 61-84, APR* (as low as) 5.74%. New vs used not separated. "Rates effective as of November 12th, 2026. All rates are subject to change at any time." "Maximum loan amount of $250,000.00. *APR= Annual Percentage Rate." "A 0.25% Auto Pay Discount is available when you enroll in automatic payments from a qualified Liberty Bay checking account. The discount applies only while automatic payments remain active and in good standing."
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 moreEastern & central MA townsEastern & central MA towns: For a specific group: only open to people who live, work, or attend school in Liberty Bay's service-area towns in eastern and central Massachusetts, plus family and partner members. 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 4.99% APR. Estimated payment: $750/mo
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 moreEastern & central MA townsEastern & central MA towns: For a specific group: only open to people who live, work, or attend school in Liberty Bay's service-area towns in eastern and central Massachusetts, plus family and partner members. 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
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 moreEastern & central MA townsEastern & central MA towns: For a specific group: only open to people who live, work, or attend school in Liberty Bay's service-area towns in eastern and central Massachusetts, plus family and partner members. 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 5.74% APR. Estimated payment: $363/mo
Assumes fixed APR, $0 down, no fees.
Not specified by lender: The lender does not say whether autopay or direct deposit is required. Your rate still depends on creditworthiness, term, and eligibility.
