Drive your dream car with Webster First auto loans

At Webster First, we make it easy to get behind the wheel of your dream car. With simple, affordable, and stress-free auto loans, you’ll be cruising in no time. To apply, you must be 18 years of age or older and live, work, worship, or attend school in Essex, Middlesex, Suffolk, or Worcester County.

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Benefits of our auto loans

Low rates

Affordable payments that fit your budget. Rates currently as low as 5.49% APR¹.

Flexible options

Choose the loan terms²⁴ that work for you — lower your monthly payment or pay off your loan faster.

No pre-payment penalties

Pay off your loan early and save on interest, no penalties attached.

Rate locked in for 30 days

Take your time finding the perfect car while we lock in your rate for 30 days.

Auto Loan Calculator

What to expect after you apply

Get pre-approved

Apply online, and we’ll review your application in as little as 1 business day. Your rate is locked for 30 days.

Find your car

Shop, test drive, and choose the car that’s right for you.

Finalize your loan

We’ll finalize the details and get you set up with any automatic payments you need.

Hit the road!

Pick up your car and start making memories. Need extra peace of mind? Check out our auto insurance options.

Current Rates

Type	APR¹	EMP³ (per $1,000)	Finance Charge
Model Year 2022-25
66 Month	5.49%	$17.59	$160.77
75 Month	6.24%	$16.14	$210.10
84 Month¹⁶	6.99%	$15.09	$267.35

Model Year 2021
66 Month	5.74%	$17.71	$168.37
75 Month	6.24%	$16.14	$210.10
84 Month¹⁶	6.99%	$15.09	$267.35

Model Year 2020
66 Month	5.99%	$17.83	$176.05
75 Month¹⁶	6.69%	$16.36	$226.14

Model Year 2019
66 Month	6.49%	$18.06	$191.61
75 Month¹⁶	6.89%	$16.45	$233.43

Model Year 2018
60 Month¹⁶	6.79%	$19.71	$181.93

Model Year 2017 or older
48 Month	7.54%	$24.20	$161.32

1:APR = Annual Percentage Rate.
3:EMP = Estimated Monthly Payment.
16:Term available subject to credit score.
Rates subject to change without notice. Rate determined by credit report and collateral.

Refinancing available

See how refinancing at Webster First could benefit you. Lowering your rate or shortening your term could reduce your monthly payments, save you on interest payments over time, or both! Try our auto loan refinance calculator.

Auto Refinance Calculator

Auto loans that go the extra mile

Route 66 Extended Warranties

Offer increased protection from mechanical repairs that may no longer be covered by the factory warranty
No deductibles
Nationwide coverage
24/7/365 emergency roadside service

GAP Advantage coverage

Reimburses up to 125% of MSRP or NADA Retail in the event of a totaled or stolen vehicle to pay the vehicle loan after insurance payment
Include Auto Deductible Reimbursement, which could help cover your auto deductible up to $500 in the event of a loss

Auto Insurance

As a member of Webster First, you’ll enjoy a 5% discount on your auto insurance and be eligible for additional discounts when you get coverage through our subsidiary WebFirst Insurance, LLC.

Apply today and start driving

With Webster First Auto Loans, you’re not just getting a loan — you’re getting the freedom to drive the car you’ve always wanted. Apply today and get pre-approved online.

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Award-winning service

America's Best Regional Banks and Credit Unions Newsweek 2025. Plant-A Insights Group.

2025: Newsweek Best Regional Banks and Credit Unions

2024 Winner: Best of Central Mass

2024: Newsweek Best Regional Banks and Credit Unions

2023 Winner: Best of Central Mass

2023 Top Lender: Banker & Tradesman

Rated 5 Stars by Bauer

2022 Top Lender: Banker & Tradesman