Auto Loans

We’ll put you in the driver’s seat

Owning a vehicle is so much more than getting a loan. It’s part of who you are, where you’ll go, and how you’ll get there. It’s where adventures begin and memories are made.

At Webster First, we understand how much your car, truck, or SUV can mean to you. That’s why our commitment is to you, understanding your unique auto lending needs, and helping you to make the right decision with financing your vehicle so you can focus on the road ahead.

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Benefits of our auto loans

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Low rates

Rates currently as low as 6.64% APR*.

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Flexible options

Terms are available up to 84 months**, helping to lower monthly payments.

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No pre-payment penalties

Shrink your term and save on interest by making extra payments to your principal balance.

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No pressure

Get time to shop with no pressure knowing your rate is locked in for 30 days after pre-approval.

What to expect after you apply

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Pre-approval is usually given within 1 business day and your rate is locked in for 30 days.

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Choose your car

Visit the dealer to test drive, choose, and reserve your new car.

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Make it official

Once you've got a car reserved, we'll finalize your loan, get your check, and arrange for any automatic payment transfers.

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Hit the road!

Enjoy your new car! Don't forget to check out our auto insurance options for protection mile after mile.

How can we help?

Our dedicated Loan Officers are here to answer your questions. Contact your local branch for an auto loan expert right around the corner.

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Current Rates

Type APR1 EMP2 (per $1,000) Finance Charge
Model Year 2020-24
66 Month 6.64% $18.14 $196.57
75 Month 7.39% $16.70 $251.79
84 Month³ 8.14% $15.66 $315.40
Model Year 2019
66 Month 6.89% $18.25 $204.48
75 Month 7.39% $16.70 $251.79
84 Month³ 8.14% $15.66 $315.40
Model Year 2018
66 Month 7.14% $18.37 $212.33
75 Month 7.84% $16.92 $268.31
Model Year 2017
66 Month 7.64% $18.61 $228.21
75 Month³ 8.04% $17.02 $275.60
Model Year 2016
60 Month³ 7.94% $20.26 $215.04
Model Year 2015 or older
48 Month 8.69% $24.75 $187.62
1:APR = Annual Percentage Rate. Rates subject to change without notice. Rate determined by credit report and collateral.
2:EMP = Estimated Monthly Payment.
3:Term available subject to credit score.
*as low as rate: (APR) Annual Percentage Rate is subject to change without notice. Rate will be determined at the time of disbursement and will be based on your application and credit information. Not all applicants will qualify for the lowest rate. Rate quoted here assumes excellent borrower credit history. EX. $1,000; 6.64 % APR; 66 months; $18.14; total interest $196.57. Loan subject to credit approval. Enrollment in Webster First Federal Credit Union membership required to complete loan disbursement.

Award-winning service

Webster First Rated 5 Stars by Bauer June 2023

Rated 5 Stars by Bauer

2022 Top Lender: Banker & Tradesman

2022 Winner: Best of Central Mass

Why choose Webster First?

Smart money decisions are in our DNA

Webster First is one of the most well capitalized credit unions in Massachusetts as a result of our hard work and determination to make the best possible financial decisions. With our experience and dedicated team, we’re confident we can help you make the right financial decisions too.

Local, neighborly know-how

Our roots are in Massachusetts, opening our first branch in the small town of Webster back in 1928. Since then we’ve grown to over $1.2 billion with over 80,000 members who trust us with their banking. Since our lending team is locally grown too, they personally care about the success of their neighbors and community.

Authenticity you can trust

As New Englanders, we believe in being upfront and honest. You can expect straightforward answers to all your mortgage questions. Each relationship starts with trust and it’s the cornerstone of our acclaimed member service.