Auto Loans

UMassFive credit union auto loans offer flexible options for purchasing or refinancing a car, motorcycle, or RV.

Are you looking for a car?

Already have one?

Whatever your situation, at UMassFive we want to make your auto experience easy and accessible - and thanks to a wide range of options, we will get you behind the wheel in no time.

If you already own a car, we might be able to help shorten your existing terms and/or lower your existing rate through refinancing.*

Quick & Easy: An Intuitive Application

Apply online. Quick, easy, and only once. What's more? Most members get a decision the same day.
Shorter & Lower

Already own a car and working with another lender? We might be able to help you shorten your term, lower your rate, or both! *
Fair & Flexible: Terms that work
- Financing up to 125%
- Terms up to 84 months
- Flexible payment options
- No prepayment penalties

Auto Loan Rates

Product	Annual Percentage Rate (APR)	APR with 2,500 Co-op Points	Max Term
	Rates Start at...
Autos: New, Used, and Refinancing	5.59%	5.34%	24 to 66 Months
Autos: New, Used, and Refinancing	5.84%	5.59%	67 to 72 Months
Autos: New, Used, and Refinancing	6.44%	6.19%	73 to 84 Months

The current prime rate is: 7.00%. Rates effective as of October 5, 2026. Rates subject to change at any time.

The current prime rate is: 6.75%. Rates effective as of May 4, 2026. Rates subject to change at any time.

Payment example: 5.79% for 66 months equals $17.69 per $1,000 borrowed.

*In order to keep our rates low, we do not offer refinancing on existing UMassFive Auto Loans.

Auto loan payment calculator (Fintactix embed) renders here — pending production embed key.