All Bay State Bank locations will be closed on Thursday, November 27, in observance of Thanksgiving Day. Our ATMs and online and mobile banking services will continue to be available 24/7.
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To apply for a vehicle loan, please contact our lending center at lending@baystatesavings.com or (508) 890-9060, or you may visit one of our branch locations.
Effective Date: Sunday, Nov 23, 2025
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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 60 months at 6.75% Interest Rate (7.079% APR) is $196.83 per month. Payment amount on $10,000 loan for 72 months at 7.50% Interest Rate (7.792% APR) is $172.90 per month. Qualified applicants financing new 2023 – 2024 model year automobiles may borrow up to 100% of purchase price or book value, whichever is lower, for up to 72 months. Subject to credit approval.
*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 60 months at 7.50% Interest Rate (7.844% APR) is $200.38. Payment amount on $10,000 loan for 72 months at 8.00% Interest Rate (8.301% APR) is $175.33. Applicants financing a model year 2017 – 2022 are limited to 90% of purchase price or NADA book value; whichever is lower. Subject to credit approval.
*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 14.99% Interest Rate (15.219% APR) is $237.85. Eligibility limited to 2019-2024 year models. Maximum loan to value ratio, based on book value, is 90%, including sales tax and filing fees. Subject to credit approval.
*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 14.99% Interest Rate (15.219% APR) is $237.85. Eligibility limited to 2019-2024 year models. Maximum loan to value ratio is 80% of purchase price or book value, whichever is lower,including sales tax and filing fees. Subject to credit approval.
*Annual Percentage Rates may change at any time without notice. Payment amount on $10,000 for 60 months at 11.99% Interest Rate (11.990% APR) is $222.39. Eligibility limited to 2019-2024 year models. Maximum loan to value ratio, based on book value, is 80%, including sales tax and filing fees. Subject to credit approval.