Nationwide offers plus lenders whose published coverage includes New Hampshire.
Lowest match
3.39%
Lenders tracked
232
Credit unions and banks
Credit unions average 5.26%.How these averages work: We took each lender’s lowest rate and averaged them: 20 credit unions, 2 banks. We show a bank average once at least 5 banks are listed here.
31 rates from 16 lenders · New Hampshire · Used · 48m · Sorted by lowest APR
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.
Showing 20 of 31 rates
4.49%UsedUp to 48 months
Based in New Hampshire
NHChecked Nov 11, 2026
Used, model years 2021 and newer. Includes a 0.25% discount. Advertised as up to 48 months.
Checked Nov 11, 2026Source trianglecu.org
4.59%UsedUp to 60 months
NationwideChecked Nov 11, 2026
APR as low as; based on collateral, term, down payment and creditworthiness. Rates effective September 18, 2026. Separate qualifying discounts of up to 0.90% may lower the rate further. Advertised as up to 60 months.
Checked Nov 11, 2026Source aacreditunion.org
4.90%Used37–60 months
Based in New Hampshire
NHChecked Nov 11, 2026
APR as low as. Advertised as 37-60 months. Rates effective September 16, 2026. APR based on a $15,000 loan including a $60 processing fee. Used vehicles over 6 years old add 1.00%.
Checked Nov 11, 2026Source membersfirstnh.org
4.94%Used48 months
NationwideChecked Nov 11, 2026
Rate requires buying through PenFed’s Car Buying Service, powered by TrueCar, from a participating dealer. JustAutoRates is not affiliated with PenFed or TrueCar.
As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. Used: pre-owned vehicles or vehicles with over 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. PenFed Car Buying Service discounted rate through PenFed's partnership with TrueCar; the page states the service is available in all 50 states.
Checked Nov 11, 2026Source penfed.org
4.99%UsedUp to 66 months
MA · NHChecked Nov 10, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as APR, and includes a 0.500% discount for automatic payments from any Workers checking account. Page states rates effective as of 6/26/2025 and subject to change; these are the figures still published on the official page on 2026-11-10. Subject to credit approval. Minimum monthly payment of $150 or the payment per $1,000, whichever is greater. Bucket labeled New-2021 also covers 2021 used vehicles; up to 66 months.
Checked Nov 10, 2026Source wcu.com
5.24%UsedUp to 48 months
NationwideChecked Nov 11, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as for new or used cars, trucks, and vans. Published rate includes a 0.50% discount for qualifying direct deposit of at least $500/month to checking (Social Security exempt from the $500 minimum) and electronic loan payments. Rate may change after consummation. Up to 130% LTV subject to underwriting. Advertised as up to 48 months.
Checked Nov 11, 2026Source dcu.org
5.24%UsedUp to 65 months
NationwideChecked Nov 11, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as for new or used cars, trucks, and vans. Published rate includes a 0.50% discount for qualifying direct deposit of at least $500/month to checking (Social Security exempt from the $500 minimum) and electronic loan payments. Rate may change after consummation. Up to 130% LTV subject to underwriting. Advertised as up to 65 months.
Checked Nov 11, 2026Source dcu.org
5.29%Used48 months
NationwideChecked Nov 11, 2026
As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. Used: pre-owned vehicles or vehicles with over 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.
Checked Nov 11, 2026Source penfed.org
5.36%UsedUp to 54 months
Based in New Hampshire
NHChecked Nov 11, 2026
Used auto, model year 2019 and newer. Rate as low as 5.25%. Rates effective November 11, 2026. Advertised as up to 54 months.
Checked Nov 11, 2026Source gscu.org
5.44%Used48 months
NationwideChecked Nov 10, 2026
Minimum loan $5,000.
As low as APR. Used vehicles include all pre-owned vehicles or vehicles with more than 7,500 miles. 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
5.49%UsedUp to 72 months
MA · NHChecked Nov 10, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as APR, and includes a 0.500% discount for automatic payments from any Workers checking account. Page states rates effective as of 6/26/2025 and subject to change; these are the figures still published on the official page on 2026-11-10. Subject to credit approval. Minimum monthly payment of $150 or the payment per $1,000, whichever is greater. Model years 2020-2017; up to 72 months.
Checked Nov 10, 2026Source wcu.com
5.59%Used37–60 months
NationwideChecked Nov 11, 2026
As low as; excellent credit assumed. Rates as of Nov 11, 2026 ET. Used vehicles: 2024 and older, or any model year with over 30,000 miles. Vehicles 20+ years old use Other Eligible Vehicle rates. Advertised as 37-60 months.
Checked Nov 11, 2026Source navyfederal.org
5.69%and upUsed24–48 months
NationwideChecked Nov 10, 2026
Minimum loan $7,500.
Rates effective as of 07-01-2026. APR depends on credit rating, collateral value, amount financed, and other criteria. Used vehicles must be 10 model years or newer with 150,000 miles or fewer. Minimum loan $7,500. Same 2023-and-newer table applies to new and used purchase, refinancing, and equity loan types. 5.69% APR disclosure applies to 24-48 month terms.
Checked Nov 10, 2026Source credithuman.com
5.74%UsedUp to 72 months
NationwideChecked Nov 11, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as for new or used cars, trucks, and vans. Published rate includes a 0.50% discount for qualifying direct deposit of at least $500/month to checking (Social Security exempt from the $500 minimum) and electronic loan payments. Rate may change after consummation. Up to 130% LTV subject to underwriting. Advertised as up to 72 months.
Checked Nov 11, 2026Source dcu.org
5.74%UsedUp to 48 months
MA · NHChecked Nov 10, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as APR, and includes a 0.500% discount for automatic payments from any Workers checking account. Page states rates effective as of 6/26/2025 and subject to change; these are the figures still published on the official page on 2026-11-10. Subject to credit approval. Minimum monthly payment of $150 or the payment per $1,000, whichever is greater. Model years 2016-2015; up to 48 months.
Checked Nov 10, 2026Source wcu.com
5.74%UsedUp to 60 months
MA · NHChecked Nov 10, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as APR, and includes a 0.500% discount for automatic payments from any Workers checking account. Page states rates effective as of 6/26/2025 and subject to change; these are the figures still published on the official page on 2026-11-10. Subject to credit approval. Minimum monthly payment of $150 or the payment per $1,000, whichever is greater. 2001 or older; up to 60 months.
Checked Nov 10, 2026Source wcu.com
5.79%UsedUp to 63 months
Based in New Hampshire
NHChecked Nov 11, 2026
The published figure may include an autopay, direct-deposit, or relationship discount.
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
5.89%and upUsed24–72 months
NationwideChecked Nov 10, 2026
Minimum loan $7,500.
Rates effective as of 07-01-2026. APR depends on credit rating, collateral value, amount financed, and other criteria. Used vehicles must be 10 model years or newer with 150,000 miles or fewer. Minimum loan $7,500. Model years 2021-2022; table shows term 24-72 months and rate 5.89-14.29%. Starting APR; shown at the longest term in this range. A more specific term for the 5.89% starting rate was not given.
Checked Nov 10, 2026Source credithuman.com
5.89%and upUsed24–69 months
NationwideChecked Nov 10, 2026
Minimum loan $7,500.
Rates effective as of 07-01-2026. APR depends on credit rating, collateral value, amount financed, and other criteria. Used vehicles must be 10 model years or newer with 150,000 miles or fewer. Minimum loan $7,500. Model year 2020; table shows term 24-69 months and rate 5.89-14.09%. Starting APR; shown at the longest term in this range.
Checked Nov 10, 2026Source credithuman.com
5.89%and upUsed24–63 months
NationwideChecked Nov 10, 2026
Minimum loan $7,500.
Rates effective as of 07-01-2026. APR depends on credit rating, collateral value, amount financed, and other criteria. Used vehicles must be 10 model years or newer with 150,000 miles or fewer. Minimum loan $7,500. Model year 2019; table shows term 24-63 months and rate 5.89-14.09%. Starting APR; shown at the longest term in this range.
Checked Nov 10, 2026Source credithuman.com
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.
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.
Every rate comes from the lender’s own website, and we show the date we last checked it.
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.
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.”
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.
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.
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.
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.