Credit union · New Hampshire

New Hampshire Postal Credit Union auto loan rates compared

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New Hampshire · Headquarters New HampshireChecked Nov 13, 2026Rate page on nhpcu.com

EligibilityPer NH Postal Credit Union: You are eligible to become a member if you are a New Hampshire Postal employee active or retired, living or working in New Hampshire or a family member of a current member.

Visit lender Opens nhpcu.com

Lowest new rate

4.75%APR, as low as

New60 monthsNew Hampshire Postal Credit Union

Direct depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.
+1 more+2 moreNH postal workers & familyNH postal workers & family: For a specific group: only open to New Hampshire Postal employees, active or retired, living or working in New Hampshire, or family members of current 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 4.75% APR. Estimated payment: $469/mo

Assumes fixed APR, $0 down, no fees.

NH 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

NHChecked Nov 13, 2026

New
As low as

4.75%APR60 months

Requires:Direct depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.NH postal workers & familyNH postal workers & family: For a specific group: only open to New Hampshire Postal employees, active or retired, living or working in New Hampshire, or family members of current 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 4.75% APR. Estimated payment: $469/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 60 months. Loan Annual Percentage Rates Effective November 1, 2026. New Auto Rates: 60, APR* 4.75%. "* APR = Annual Percentage Rate" "Add .25% on all rates without direct deposit & automatic payment." "All rates subject to change." "Actual rate based upon your credit score." "*APR = Annual Percentage Rate. Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed."

Checked Nov 13, 2026Source nhpcu.com

NHChecked Nov 13, 2026

New
As low as

5.25%APR72 months

Requires:Direct depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Min. loan $20,000Min. loan $20,000: The lender publishes this rate with a $20,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.
+1 moreNH postal workers & familyNH postal workers & family: For a specific group: only open to New Hampshire Postal employees, active or retired, living or working in New Hampshire, or family members of current 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 72 months at 5.25% APR. Estimated payment: $406/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 72 months. Loan Annual Percentage Rates Effective November 1, 2026. New Auto Rates: 72 ($20,000 min), APR* 5.25%. "* APR = Annual Percentage Rate" "Add .25% on all rates without direct deposit & automatic payment." "All rates subject to change." "Actual rate based upon your credit score." "*APR = Annual Percentage Rate. Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed."

Checked Nov 13, 2026Source nhpcu.com

NHChecked Nov 13, 2026

New
As low as

6.25%APR84 months

Requires:Direct depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Min. loan $30,000Min. loan $30,000: The lender publishes this rate with a $30,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.
+1 moreNH postal workers & familyNH postal workers & family: For a specific group: only open to New Hampshire Postal employees, active or retired, living or working in New Hampshire, or family members of current 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 6.25% APR. Estimated payment: $369/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 84 months. Loan Annual Percentage Rates Effective November 1, 2026. New Auto Rates: 84 ($30,000 min), APR* 6.25%. "* APR = Annual Percentage Rate" "Add .25% on all rates without direct deposit & automatic payment." "All rates subject to change." "Actual rate based upon your credit score." "*APR = Annual Percentage Rate. Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed."

Checked Nov 13, 2026Source nhpcu.com

4.75%APR

New car

Visit lender, New Hampshire Postal Credit Union, 4.75% APR, new, 60 months

NHChecked Nov 13, 202660 months

Direct depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.
+1 moreNH postal workers & familyNH postal workers & family: For a specific group: only open to New Hampshire Postal employees, active or retired, living or working in New Hampshire, or family members of current 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 4.75% APR. Estimated payment: $469/mo

Assumes fixed APR, $0 down, no fees.

5.25%APR

New car

Visit lender, New Hampshire Postal Credit Union, 5.25% APR, new, 72 months

NHChecked Nov 13, 202672 months

Direct depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.
+2 moreMin. loan $20,000Min. loan $20,000: The lender publishes this rate with a $20,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.NH postal workers & familyNH postal workers & family: For a specific group: only open to New Hampshire Postal employees, active or retired, living or working in New Hampshire, or family members of current 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 72 months at 5.25% APR. Estimated payment: $406/mo

Assumes fixed APR, $0 down, no fees.

6.25%APR

New car

Visit lender, New Hampshire Postal Credit Union, 6.25% APR, new, 84 months

NHChecked Nov 13, 202684 months

Direct depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.
+2 moreMin. loan $30,000Min. loan $30,000: The lender publishes this rate with a $30,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.NH postal workers & familyNH postal workers & family: For a specific group: only open to New Hampshire Postal employees, active or retired, living or working in New Hampshire, or family members of current 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 6.25% APR. Estimated payment: $369/mo

Assumes fixed APR, $0 down, no fees.

UsedUsed car rates · 3 rates

NHChecked Nov 13, 2026

Used
As low as

7.75%APR48 months

Requires:Direct depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.over 10 years old onlyover 10 years old only: This rate applies only to over 10 years old vehicles. Your rate still depends on creditworthiness, term, and eligibility.
+1 moreNH postal workers & familyNH postal workers & family: For a specific group: only open to New Hampshire Postal employees, active or retired, living or working in New Hampshire, or family members of current 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 48 months at 7.75% APR. Estimated payment: $608/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 48 months. Loan Annual Percentage Rates Effective November 1, 2026. Used Auto Rates: 48 (Used Over 10 Years Old), APR* 7.75%. "* APR = Annual Percentage Rate" "Add .25% on all rates without direct deposit & automatic payment." "All rates subject to change." "Actual rate based upon your credit score." "*APR = Annual Percentage Rate. Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed."

Checked Nov 13, 2026Source nhpcu.com

NHChecked Nov 13, 2026

Used
As low as

5.00%APR60 months

Requires:Direct depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.NH postal workers & familyNH postal workers & family: For a specific group: only open to New Hampshire Postal employees, active or retired, living or working in New Hampshire, or family members of current 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 5.00% APR. Estimated payment: $472/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 60 months. Loan Annual Percentage Rates Effective November 1, 2026. Used Auto Rates: 60, APR* 5.00%. "* APR = Annual Percentage Rate" "Add .25% on all rates without direct deposit & automatic payment." "All rates subject to change." "Actual rate based upon your credit score." "*APR = Annual Percentage Rate. Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed."

Checked Nov 13, 2026Source nhpcu.com

NHChecked Nov 13, 2026

Used
As low as

5.50%APR72 months

Requires:Direct depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Min. loan $20,000Min. loan $20,000: The lender publishes this rate with a $20,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.
+1 moreNH postal workers & familyNH postal workers & family: For a specific group: only open to New Hampshire Postal employees, active or retired, living or working in New Hampshire, or family members of current 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 72 months at 5.50% APR. Estimated payment: $409/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 72 months. Loan Annual Percentage Rates Effective November 1, 2026. Used Auto Rates: 72 ($20,000 min), APR* 5.50%. "* APR = Annual Percentage Rate" "Add .25% on all rates without direct deposit & automatic payment." "All rates subject to change." "Actual rate based upon your credit score." "*APR = Annual Percentage Rate. Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed."

Checked Nov 13, 2026Source nhpcu.com

7.75%APR

Used car

Visit lender, New Hampshire Postal Credit Union, 7.75% APR, used, 48 months

NHChecked Nov 13, 202648 months

Direct depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.
+2 moreover 10 years old onlyover 10 years old only: This rate applies only to over 10 years old vehicles. Your rate still depends on creditworthiness, term, and eligibility.NH postal workers & familyNH postal workers & family: For a specific group: only open to New Hampshire Postal employees, active or retired, living or working in New Hampshire, or family members of current 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 48 months at 7.75% APR. Estimated payment: $608/mo

Assumes fixed APR, $0 down, no fees.

5.00%APR

Used car

Visit lender, New Hampshire Postal Credit Union, 5.00% APR, used, 60 months

NHChecked Nov 13, 202660 months

Direct depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.
+1 moreNH postal workers & familyNH postal workers & family: For a specific group: only open to New Hampshire Postal employees, active or retired, living or working in New Hampshire, or family members of current 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 5.00% APR. Estimated payment: $472/mo

Assumes fixed APR, $0 down, no fees.

5.50%APR

Used car

Visit lender, New Hampshire Postal Credit Union, 5.50% APR, used, 72 months

NHChecked Nov 13, 202672 months

Direct depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.
+2 moreMin. loan $20,000Min. loan $20,000: The lender publishes this rate with a $20,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.NH postal workers & familyNH postal workers & family: For a specific group: only open to New Hampshire Postal employees, active or retired, living or working in New Hampshire, or family members of current 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 72 months at 5.50% APR. Estimated payment: $409/mo

Assumes fixed APR, $0 down, no fees.