Auto loans
Car loans priced on the sheet, not at the dealer's desk
Get pre-approved before you shop, then walk in knowing your number. Same rate for dealer and private sales, and decisions usually come within one business day.
- Auto loan, new (2025 or newer) 36 to 72 months from 5.49% APR
- Auto loan, used 36 to 72 months from 5.99% APR
Sample rates as of October 2026. Lowest rates assume strong credit.
Why members borrow here
-
01
0.25% off your rate with autopay from Greater Trust checking
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02
No application fee and no prepayment penalty
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03
Refinance a loan from another lender, often in about a week
The numbers, all of them
| Loan | Rate | Terms | Worth knowing |
|---|---|---|---|
| Auto loan, new (2025 or newer) | from 5.49% APR | 36 to 72 months | 0.25% rate discount with autopay from a Greater Trust checking account. |
| Auto loan, used | from 5.99% APR | 36 to 72 months | Same rate whether you buy from a dealer or a private seller. |
| Example | Monthly payment | Total interest | Amount |
|---|---|---|---|
| 48 months | $581.30 | $2,902 | $25,000 |
| 60 months | $477.41 | $3,645 | $25,000 |
| 72 months | $408.33 | $4,400 | $25,000 |
Standard amortization math, principal and interest only. Taxes, insurance, and fees are not included. Sample figures, not a quote.
How it works
- Apply Online, by phone, or at any branch. It takes about ten minutes.
- Get a decision Usually within one business day, from a person in Roslindale.
- Shop with your number Pre-approval is good for 60 days, so you can take your time.
- Sign and drive We pay the dealer or private seller directly.
What you'll need
- A driver's license or other photo ID
- Two recent pay stubs, or last year's tax return if you're self-employed
- The car's details once you've found it: VIN, mileage, and price
You'll need to be a member to borrow. Membership starts with a $5 share and can be opened at the same time.
Questions
What borrowers ask
Every loan is reviewed on its own, and nobody here earns commission on your rate. More answers in the FAQ.
Can I refinance a car loan I have somewhere else?
Yes. Bring your current loan statement and we'll show you the payment and total interest side by side, so you can see whether it's worth switching.
Do you finance private-party sales?
Yes, at the same rate as a dealer sale. We handle the title paperwork and pay the seller directly once it's signed.
Will shopping for a rate hurt my credit?
A full application includes a credit check. Credit scoring models usually count several auto-loan checks within a short shopping window as a single inquiry, so comparing lenders in the same few weeks has little effect.
Good to know about too
- Everyday Checking Autopay from Greater Trust checking takes 0.25% off your rate. Learn more
- Payment calculator Try any amount, term, and rate. Learn more
- Become a member Membership starts with $5 and takes about ten minutes. Learn more
Other loans: Personal loans , Mortgages , Home equity line (HELOC)
Get a real number from a real person
A lending advisor will walk through your rate, payment, and total cost before you commit to anything. No obligation, and no rate haggling.
Sample rates for a fictional credit union, as of October 2026. APR means annual percentage rate. Your rate depends on your credit history, the loan term, and the amount. All loans are subject to credit approval, and nothing on this page is an offer or a promise of approval.