JustAutoRates

Current Auto Loan Rates in New Hampshire

Checked weeklyUpdated

Nationwide offers plus lenders whose published coverage includes New Hampshire.

Lowest match

3.39%

Buying serviceTrueCar buying service: Rate requires buying through PenFed’s Car Buying Service, powered by TrueCar, from a participating dealer. JustAutoRates is not affiliated with PenFed or TrueCar.

Lenders tracked

253

Credit unions and banks

Credit unions average 5.01%, banks 6.82%.How these averages work: We took each lender’s lowest rate and averaged them: 20 credit unions, 5 banks.

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32 rates from 9 lenders · New Hampshire · Standard rates · New · Sorted by highest APR

About loan terms

Lenders often give one rate for a range of terms. “37–60 months” means the rate covers any term in that range, and “Up to 48 months” covers terms up to 48. “Term not listed” means the lender didn’t tie the rate to a term.

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Showing 20 of 32 rates

As low asStandard rate

7.74%New76–84 months

Metro Credit Union

MA · NHChecked Nov 10, 2026

Minimum loan $20,000.

What the lender published

Page heading says 'Accurate as of March 11, 2026' and still displayed these figures when checked on 2026-11-10. Rate determination based on credit history. Minimum loan amount $20,000 for terms over 72 months. Maximum mileage 100,000. Rates not available for existing Metro loans. New vehicles have 5,000 miles or less. Eligible borrowers only; 76 to 84 months.

Checked Nov 10, 2026Source metrocu.org

Calculate payment at 7.74% from Metro Credit UnionVisit lender ↗
As low asStandard rate

6.49%New67–75 months

Metro Credit Union

MA · NHChecked Nov 10, 2026

What the lender published

Page heading says 'Accurate as of March 11, 2026' and still displayed these figures when checked on 2026-11-10. Rate determination based on credit history. Minimum loan amount $20,000 for terms over 72 months. Maximum mileage 100,000. Rates not available for existing Metro loans. New vehicles have 5,000 miles or less. New/used 2022-2026; 67 to 75 months.

Checked Nov 10, 2026Source metrocu.org

Calculate payment at 6.49% from Metro Credit UnionVisit lender ↗
As low asStandard rate

6.24%New84 months

Wings Financial Credit Union

NationwideChecked Nov 10, 2026

What the lender published

APR as low as, from the official Auto Loan Rates table. Up to 100% financing. New, used, or refinanced are introduced together; we list 2023-and-newer model years as new and older model years as used. Refinance is offered but not given a separate rate table. Model year 2023 and newer.

Checked Nov 10, 2026Source wingscu.com

Calculate payment at 6.24% from Wings Financial Credit UnionVisit lender ↗
As low asStandard rate

6.24%NewUp to 66 months

Metro Credit Union

MA · NHChecked Nov 10, 2026

What the lender published

Page heading says 'Accurate as of March 11, 2026' and still displayed these figures when checked on 2026-11-10. Rate determination based on credit history. Minimum loan amount $20,000 for terms over 72 months. Maximum mileage 100,000. Rates not available for existing Metro loans. New vehicles have 5,000 miles or less. New/used 2022-2026; up to 66 months. Also listed as used for the same model years.

Checked Nov 10, 2026Source metrocu.org

Calculate payment at 6.24% from Metro Credit UnionVisit lender ↗
As low asStandard rate

6.17%New84 months

Andrews Federal Credit Union

NationwideChecked Nov 10, 2026

Minimum loan $20,000.

What the lender published

As low as APR. A new vehicle is an untitled, current- or prior-model-year vehicle with fewer than 7,500 miles, and you are the original owner. Minimum loan $5,000; maximum $150,000. Vehicles more than 10 model years old are not eligible. Existing Andrews Federal auto loans are not eligible for refinance at these rates unless borrowing an additional $5,000 or more.

Checked Nov 10, 2026Source andrewsfcu.org

Calculate payment at 6.17% from Andrews Federal Credit UnionVisit lender ↗
As low asStandard rate

6.14%New60 months

Capital One

NationwideChecked Nov 10, 2026

What the lender published

As low as rates for buyers with excellent credit characteristics, updated monthly (page heading: November). Displayed rates are based on the previous month's Capital One funded loan data for 60- and 72-month terms with participating dealers. Financing subject to eligibility.

Checked Nov 10, 2026Source capitalone.com

Calculate payment at 6.14% from Capital OneVisit lender ↗
As low asStandard rate

6.02%New72 months

Andrews Federal Credit Union

NationwideChecked Nov 10, 2026

Minimum loan $15,000.

What the lender published

As low as APR. A new vehicle is an untitled, current- or prior-model-year vehicle with fewer than 7,500 miles, and you are the original owner. Minimum loan $5,000; maximum $150,000. Vehicles more than 10 model years old are not eligible. Existing Andrews Federal auto loans are not eligible for refinance at these rates unless borrowing an additional $5,000 or more.

Checked Nov 10, 2026Source andrewsfcu.org

Calculate payment at 6.02% from Andrews Federal Credit UnionVisit lender ↗
As low asStandard rate

6.00%New72 months

Capital One

NationwideChecked Nov 10, 2026

What the lender published

As low as rates for buyers with excellent credit characteristics, updated monthly (page heading: November). Displayed rates are based on the previous month's Capital One funded loan data for 60- and 72-month terms with participating dealers. Financing subject to eligibility.

Checked Nov 10, 2026Source capitalone.com

Calculate payment at 6.00% from Capital OneVisit lender ↗
As low asStandard rate

5.99%New66 months

Wings Financial Credit Union

NationwideChecked Nov 10, 2026

What the lender published

APR as low as, from the official Auto Loan Rates table. Up to 100% financing. New, used, or refinanced are introduced together; we list 2023-and-newer model years as new and older model years as used. Refinance is offered but not given a separate rate table. Model year 2023 and newer.

Checked Nov 10, 2026Source wingscu.com

Calculate payment at 5.99% from Wings Financial Credit UnionVisit lender ↗
As low asStandard rate

5.99%New72 months

Wings Financial Credit Union

NationwideChecked Nov 10, 2026

What the lender published

APR as low as, from the official Auto Loan Rates table. Up to 100% financing. New, used, or refinanced are introduced together; we list 2023-and-newer model years as new and older model years as used. Refinance is offered but not given a separate rate table. Model year 2023 and newer.

Checked Nov 10, 2026Source wingscu.com

Calculate payment at 5.99% from Wings Financial Credit UnionVisit lender ↗
As low asStandard rate

5.74%New48 months

Wings Financial Credit Union

NationwideChecked Nov 10, 2026

What the lender published

APR as low as, from the official Auto Loan Rates table. Up to 100% financing. New, used, or refinanced are introduced together; we list 2023-and-newer model years as new and older model years as used. Refinance is offered but not given a separate rate table. Model year 2023 and newer.

Checked Nov 10, 2026Source wingscu.com

Calculate payment at 5.74% from Wings Financial Credit UnionVisit lender ↗
As low asStandard rate

5.74%New84 months

PenFed Credit Union

NationwideChecked Nov 11, 2026

Minimum loan $20,000.

What the lender published

As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. New vehicles: you are the original owner and the untitled vehicle is model year 2025 or newer with less than 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. Minimum loan amount $20,000 for 73-84 month term.

Checked Nov 11, 2026Source penfed.org

Calculate payment at 5.74% from PenFed Credit UnionVisit lender ↗
As low asStandard rate

5.49%New36 months

Wings Financial Credit Union

NationwideChecked Nov 10, 2026

What the lender published

APR as low as, from the official Auto Loan Rates table. Up to 100% financing. New, used, or refinanced are introduced together; we list 2023-and-newer model years as new and older model years as used. Refinance is offered but not given a separate rate table. Model year 2023 and newer.

Checked Nov 10, 2026Source wingscu.com

Calculate payment at 5.49% from Wings Financial Credit UnionVisit lender ↗
Show all 32 rates

Estimate your payment

Full calculator with taxes, fees & trade-in ›

Using PenFed Credit Union’s as-low-as APR; your rate depends on credit.

Estimated monthly payment

$544.28

About $2,657 estimated total interest

Estimate only. This calculator is for illustration and is not a loan offer or approval. Your actual APR, payment, taxes, and fees depend on your credit, the vehicle, the lender, and your state. Confirm all figures with your lender and dealer. Sales tax, trade-in tax credits, fees, and registration costs vary by state. Check your own state’s rules.

Credit union membership: Most credit unions require membership to borrow. Eligibility is often based on where you live, work, or worship, family ties, or joining a partner organization, and some let anyone join for a small donation. Check each lender’s site for membership requirements, rates, and terms before applying.

How Our Rate Board Works

Every rate comes from the lender’s own website and is the lowest APR it advertises, so yours depends on your credit, vehicle, and term. Sponsored spots are labeled and never change the order.

  • Straight from the lender

    Every rate comes from the lender’s own website, and we show the date we last checked it.

  • “As low as” rates

    Rates labeled “As low as” represent the lender’s minimum advertised rate. They are not guaranteed offers of credit. Final APRs, loan terms, and approval depend on individual factors including credit score, vehicle age, loan amount, and underwriting approval.

  • Preserved loan terms

    If a lender publishes a term range (e.g., “37–60 months” or “up to 65 months”), we show that exact range rather than rounding it to a single 60-month figure. Payment figures are always labeled as estimates. When a lender doesn’t name a term, we say “Term not listed.”

  • Buying-service rates

    Some lenders publish lower rates that only apply when you buy through their car-buying program (for example, a TrueCar-powered service) from a participating dealer. These rates are tagged, and we aren’t affiliated with these programs or their dealers.

  • Credit union membership

    Most credit unions require membership to borrow. Eligibility is often based on where you live, work, or worship, family ties, or joining a partner organization, and some let anyone join for a small donation. Check each lender’s site for membership requirements, rates, and terms before applying. Rates limited to a specific group, such as military families or employees, carry a tag naming who is eligible and are kept out of the “Lowest for everyone” figure.

  • Sorting & sponsorships

    Rates are sorted from the lowest advertised APR up. Featured sponsor placements are clearly labeled as sponsored content and do not alter or inflate the natural sorting order of organic lender listings.

  • Disclaimer & independence

    JustAutoRates is an independent informational publisher, not a lender or credit broker. Lender names, logos, and trademarks belong to their respective owners. Rates are subject to change by lenders at any time without notice. We may receive compensation from partners or featured sponsors on this page.

Full methodology: how we check

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