Vehicle Loan Rates

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To apply for a vehicle loan, please contact our lending center at lending@baystatesavings.com or (508) 890-9056, or you may visit one of our branch locations.

Effective Date: Thursday, Oct 28, 2021

APR* Term
3.82% 0-36 months
3.94% 37-84 months

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*Annual Percentage Rates may change at any time without notice. Annual Percentage Rate includes $50 vehicle loan processing fee to be paid by borrower at closing. Payment amount on $10,000 loan for 36 months at 3.82% Annual Percentage Rate is $292.98 per month. Payment amount on $10,000 loan for 37 months at 3.94% Annual Percentage Rate is $286.80 per month. Payment on $10,000 loan for 60 months at 3.94% Annual Percentage Rate is $183.22 per month. Payment on $10,000 loan for 84 months at 3.94% Annual Percentage Rate is $135.72 per month. Qualified applicants financing new 2021 – 2022 model year automobiles may borrow up to 100% of purchase price or book value, whichever is lower, for up to 84 months.

Effective Date: Thursday, Oct 28, 2021

APR* Term
4.32% 0-36 months
4.40% 48-84 months

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*Annual Percentage Rates may change at any time without notice. Annual Percentage Rate includes $50 vehicle loan processing fee to be paid by borrower at closing. Payment amount on $10,000 loan for 36 months at 4.32% Annual Percentage Rate is $295.20, for 48 months at 4.40% Annual Percentage Rate is $226.91, for 60 months at 4.40% Annual Percentage Rate is $185.30, for 84 months at 4.40% Annual Percentage Rate is $137.84. Applicants financing a model year 2016 – 2020 are limited to 90% of purchase price or NADA book value; whichever is lower.

Effective Date: Thursday, Oct 28, 2021

APR*
10.72%

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*Annual Percentage Rates may change at any time without notice. Annual Percentage Rate includes $50 vehicle loan processing fee to be paid by borrower at closing. Payment amount on $10,000 for 60 months at 10.72% Annual Percentage Rate is $214.94. Eligibility limited to 2016-2022 year models. Maximum loan to value ratio, based on book value, is 90%, including sales tax and filing fees.

Effective Date: Thursday, Oct 28, 2021

APR*
11.85%

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*Annual Percentage Rates may change at any time without notice. Annual Percentage Rate includes $50 vehicle loan processing fee to be paid by borrower at closing. Payment amount on $10,000 loan for 36 months at 11.85% Annual Percentage Rate is $329.76. Eligibility limited to 2016 – 2022 year models. Maximum loan to value ratio is 80% of purchase price or book value, whichever is lower, including sales tax and filing fees.

Effective Date: Thursday, Oct 28, 2021

APR*
5.99%

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*Annual Percentage Rates may change at any time without notice. Payment amount on $10,000.00 loan for 48 months at 5.99% Annual Percentage Rate is $234.80. Eligibility limited to 2016 – 2022 year models. Maximum loan to value ratio, based on book value, is 90%, including sales tax and filing fees. Subject to credit approval.