Used Car Loan Rates in Massachusetts
Used car loan rates in Massachusetts range from 4.75% to 8.69% APR for a 2025 Volkswagen Golf GTI. Local credit unions provide these rates. Your exact rate depends on your credit score, loan term, and lender.
Lowest rates start at 4.75% APR. Granite State Credit Union offers 4.75% for 2018 and newer used cars up to 54 months. Western MA Credit Union lists 4.99% for 2018 to 2025 models over 60 months. DCU provides 4.99% up to 65 months. These rates fit cars like your Golf GTI.
Rates increase for longer terms or older cars. Expect 5.99% to 7.44% for 67 to 75 months. Metro Credit Union charges 7.44% for 2021 to 2026 used cars up to 66 months. For 76 to 84 months, rates reach 6.99% to 8.69%.
Compare these options for a $25,000 loan on a 2025 Golf GTI:
| Lender | Term | APR | Monthly Payment |
|---|---|---|---|
| Granite State CU | 54 months | 4.75% | $517 |
| DCU | 65 months | 4.99% | $440 |
| Western MA CU | 72 months | 6.125% | $416 |
| Metro CU | 75 months | 7.44% | $359 |
These payments use standard per $1,000 figures times 25. Longer terms lower monthly costs but increase total interest paid.
The national average hits 7.1% for 2026 used cars. Good credit scores get 6.4% to 7%. Fair credit pays around 10%. Massachusetts credit unions beat the national average.
Tips to get the best rate:
- Check your credit score first. Scores over 740 unlock the lowest APRs.
- Compare 3 to 5 local credit unions near 01760, like Metro, DCU, or Granite State.
- Choose shorter terms if you can afford higher payments. You save on interest.
- Ask about fees. Some lenders add $100 to $200.
- Pre-qualify to avoid hard credit pulls.
Sidekick helps you compare rates fast. Enter your Golf GTI details and zip code 01760 for personalized matches.