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: Wednesday, Feb 8, 2023

 

Rate APR* Term
5.50% 5.837% 0-36 months
6.00% 6.326% 37-84 months

*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 5.50% Interest Rate (5.837% APR) is $301.96 per month. Payment amount on $10,000 loan for 37 months at 6.00% Interest Rate (6.326% APR) is $296.71 per month.Payment on $10,000 loan for 60 months at 6.00% Interest Rate (6.208% APR) is $193.33 per month.Payment on $10,000 loan for 84 months at 6.00% Interest Rate (6.153% APR) is $146.09 per month.Qualified applicants financing new 2022 – 2023 model year automobiles may borrow up to 100% of purchase price or book value, whichever is lower, for up to 84 months. Subject to credit approval.

Effective Date: Wednesday, Feb 8, 2023

 

Rate APR* Term
6.00% 6.335% 0-36 months
6.50% 6.829% 37-84 months

*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 6.00% Interest Rate (6.335% APR) is $304.22; for 48 months at 6.50% Interest Rate (6.758% APR) is $237.15; for 60 months at 6.50% Interest Rate (6.710% APR) is $195.66; for 84 months at 6.50% Interest Rate (6.656% APR) is $148.49. Applicants financing a model year 2017 – 2021 are limited to 90% of purchase price or NADA book value; whichever is lower. Subject to credit approval.

Effective Date: Wednesday, Feb 8, 2023

 

Rate APR* Term
14.99% 15.219% 0-60 months

*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 2019-2023 year models. Maximum loan to value ratio, based on book value, is 90%, including sales tax and filing fees. Subject to credit approval.

Effective Date: Wednesday, Feb 8, 2023

 

Rate APR* Term
14.99% 15.219% 0-60 months

*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 2019-2023 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.

Effective Date: Wednesday, Feb 8, 2023

 

Rate APR* Term
11.99% 11.990% 0-60 months

*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 2019-2023 year models. Maximum loan to value ratio, based on book value, is 80%, including sales tax and filing fees. Subject to credit approval.