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.
Apply Now Find a BranchBenefits of our auto loans
Low rates
Rates currently as low as 6.64% APR1.
Flexible options
Terms are available up to 84 months3, helping to lower monthly payments.
No pre-payment penalties
Shrink your term and save on interest by making extra payments to your principal balance.
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
Pre-approval
Pre-approval is usually given within 1 business day and your rate is locked in for 30 days.
Choose your car
Visit the dealer to test drive, choose, and reserve your new car.
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.
Hit the road!
Enjoy your new car! Don't forget to check out our auto insurance options for protection mile after mile.
Current Rates
| Type | APR1 | EMP2 (per $1,000) | Finance Charge |
|---|---|---|---|
| Model Year 2021-24 | |||
| 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 2020 | |||
| 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 2019 | |||
| 66 Month | 7.14% | $18.37 | $212.33 |
| 75 Month | 7.84% | $16.92 | $268.31 |
| Model Year 2018 | |||
| 66 Month | 7.64% | $18.61 | $228.21 |
| 75 Month³ | 8.04% | $17.02 | $275.60 |
| Model Year 2017 | |||
| 60 Month³ | 7.94% | $20.26 | $215.04 |
| Model Year 2016 or older | |||
| 48 Month | 8.69% | $24.75 | $187.62 |
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.
Auto loan extras that go the extra 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.
Award-winning service
2024: Newsweek Best Regional Banks and Credit Unions
2023 Top Lender: Banker & Tradesman
2023 Winner: Best of Central Mass
Rated 5 Stars by Bauer
2022 Top Lender: Banker & Tradesman