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: Sunday, Oct 1, 2023

 

Rate APR* Term
6.00% 6.208% 12 – 60 months
6.50% 6.656% 61 – 72 months
7.50% 7.656% 73 – 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 60 months at 6.00% Interest Rate (6.208% APR) is $193.33 per month. Payment amount on $10,000 loan for 72 months at 6.50% Interest Rate (6.656% APR) is $168.10 per month. Payment amount on $10,000 loan for 84 months at 7.50% Interest Rate (7.656% APR) is $153.38 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: Sunday, Oct 1, 2023

 

Rate APR* Term
7.00% 7.213% 12 – 60 months
7.50% 7.679% 61 – 72 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 60 months at 7.00% Interest Rate (7.213% APR) is $198.01. Payment amount on $10,000 loan for 72 months at 7.50% Interest Rate (7.679% APR) is $172.90. 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: Sunday, Oct 1, 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: Sunday, Oct 1, 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: Sunday, Oct 1, 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.