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St. Mary's Bank auto loan rates compared

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New Hampshire · Headquarters New Hampshire

Manchester, NH-based credit union (America's first credit union); membership required

Rate page on stmarysbank.com

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

The published figure may include an autopay, direct-deposit, or relationship discount.

NewNew car rates · 3 rates

As low asAutopayAutopay: The published rate assumes automatic payments (autopay).LTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less.

5.39%NewUp to 63 months

NHChecked Nov 11, 2026

What the lender published

Auto model years 2024 to 2026 (new or used). Advertised as up to 63 months. APR as low as; reflects a 0.10% discount with automatic transfer from a St. Mary's Bank checking account and a 0.25% discount when the loan is 80% or less of the vehicle's value. Vehicles over 100,000 miles add 1.00%. $50 application fee, waived with automatic transfer. Rates current as of November 6, 2026.

Checked Nov 11, 2026Source stmarysbank.com

Calculate payment at 5.39% from St. Mary's BankVisit lender ↗
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).LTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less.

5.79%New64–75 months

NHChecked Nov 11, 2026

What the lender published

Auto model years 2024 to 2026 (new or used). Advertised as 64-75 months. APR as low as; reflects a 0.10% discount with automatic transfer from a St. Mary's Bank checking account and a 0.25% discount when the loan is 80% or less of the vehicle's value. Vehicles over 100,000 miles add 1.00%. $50 application fee, waived with automatic transfer. Rates current as of November 6, 2026.

Checked Nov 11, 2026Source stmarysbank.com

Calculate payment at 5.79% from St. Mary's BankVisit lender ↗
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).LTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less.Min. loan $20,000Min. loan $20,000: The lender publishes this rate with a $20,000 minimum loan amount.

6.39%New76–84 months

NHChecked Nov 11, 2026

What the lender published

Auto model years 2024 to 2026 (new or used). Advertised as 76-84 months. APR as low as; reflects a 0.10% discount with automatic transfer from a St. Mary's Bank checking account and a 0.25% discount when the loan is 80% or less of the vehicle's value. Vehicles over 100,000 miles add 1.00%. $50 application fee, waived with automatic transfer. Rates current as of November 6, 2026. APR for 76-84 months is based on a $20,000 minimum loan; term based on credit.

Checked Nov 11, 2026Source stmarysbank.com

Calculate payment at 6.39% from St. Mary's BankVisit lender ↗

UsedUsed car rates · 3 rates

As low asAutopayAutopay: The published rate assumes automatic payments (autopay).LTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less.

5.79%UsedUp to 63 months

NHChecked Nov 11, 2026

What the lender published

Auto model years 2019 to 2023. Advertised as up to 63 months. APR as low as; reflects a 0.10% discount with automatic transfer from a St. Mary's Bank checking account and a 0.25% discount when the loan is 80% or less of the vehicle's value. Vehicles over 100,000 miles add 1.00%. $50 application fee, waived with automatic transfer. Rates current as of November 6, 2026.

Checked Nov 11, 2026Source stmarysbank.com

Calculate payment at 5.79% from St. Mary's BankVisit lender ↗
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).LTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less.

6.29%Used64–75 months

NHChecked Nov 11, 2026

What the lender published

Auto model years 2019 to 2023. Advertised as 64-75 months. APR as low as; reflects a 0.10% discount with automatic transfer from a St. Mary's Bank checking account and a 0.25% discount when the loan is 80% or less of the vehicle's value. Vehicles over 100,000 miles add 1.00%. $50 application fee, waived with automatic transfer. Rates current as of November 6, 2026.

Checked Nov 11, 2026Source stmarysbank.com

Calculate payment at 6.29% from St. Mary's BankVisit lender ↗
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).LTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less.Min. loan $20,000Min. loan $20,000: The lender publishes this rate with a $20,000 minimum loan amount.

6.79%Used76–84 months

NHChecked Nov 11, 2026

What the lender published

Auto model years 2019 to 2023. Advertised as 76-84 months. APR as low as; reflects a 0.10% discount with automatic transfer from a St. Mary's Bank checking account and a 0.25% discount when the loan is 80% or less of the vehicle's value. Vehicles over 100,000 miles add 1.00%. $50 application fee, waived with automatic transfer. Rates current as of November 6, 2026. APR for 76-84 months is based on a $20,000 minimum loan; term based on credit.

Checked Nov 11, 2026Source stmarysbank.com

Calculate payment at 6.79% from St. Mary's BankVisit lender ↗