Auto Loans Now as Low as 4.99% APR*
Buying new or refinancing? Lock in a lower payment and keep more money in your pocket.
At a Glance
Looking for a better way to finance your next vehicle? Here’s what you’ll find with an NESC Credit Union auto loan:
- Low-rate auto loans for new and used cars
- Fast online pre-approvals
- Refinance your current car loan and save
- Flexible terms up to 84 months
- Local service across Methuen, Lawrence, Merrimack Valley, and Southern NH
- RV and motorcycle financing also available.
Auto Loans — Plus RV and Motorcycle Financing
Whether you're shopping for a new or used car, looking to refinance your current auto loan, or ready to hit the road on a motorcycle or RV, NESC Credit Union has you covered. We offer low-rate auto loans and flexible financing for a wide range of vehicles — all designed to fit your budget and your lifestyle. From daily commutes to weekend adventures, we’ll help you finance the ride that gets you there.
*APR = Annual Percentage Rate. Rates shown are “as low as” and subject to change without notice. Actual rate will be based on creditworthiness, loan term, and other underwriting factors.
New and Used Auto Loans
Our new and used auto loans feature competitive rates and flexible terms, making it easy to finance your ideal vehicle while keeping your budget in check.
Advantages of an NESC
Auto Loan
RV and Motorcycle Loans
Our RV and motorcycle loans offer flexible financing and low rates, making it easier for you to explore the open road and enjoy outdoor adventures, near and far.
Advantages of an NESC
Recreational Loan
Refinancing
Lower your monthly payments and save with our refinancing options for auto, RV, and motorcycle loans. We help you secure better rates, so you can keep more money in your pocket.
Advantages of Refinancing
With NESC
Use Our Auto Loan Calculator to Estimate Your Savings
Wondering how much you can afford — or how much you could save by refinancing? Try our easy-to-use auto loan calculator to compare payments, interest, and terms. It’s a fast, simple way to plan your budget and drive with confidence.
Auto Loan FAQs
Can I get pre-approved for an auto loan?
Yes! You can get pre-approved online in just minutes. Pre-approval helps you plan your budget and gives you more confidence when buying a car.
What credit score do I need to qualify?
We offer auto loans for a wide range of credit scores. Your rate and loan terms will depend on your credit history, income, and other factors — and we’ll work with you to find the best fit.
Can I refinance a car loan from another lender?
Yes! You can refinance your current car loan with NESC Credit Union to lower your payments or reduce your interest rate.
Do I need to be a member to apply for a loan?
You don’t need to be a member to apply — but you’ll need to join before the loan is finalized. It’s quick and easy, and we’ll help you through it.
Do you finance used cars or only new ones?
We finance both new and used cars with low rates and flexible terms.
Can I apply online?
Yes! You can apply for an auto loan online anytime or visit one of our branches for personal service.
Do you offer Loan Protection Insurance?
Yes! We offer optional Life & Disability Loan Protection Insurance on all of our consumer loan products—including auto loans, personal loans, and other vehicle loans. This coverage can help reduce or pay off your loan balance in the event of disability or loss of life, giving you and your family added peace of mind.
Do you offer Skip-A-Pay on auto loans?
Yes! We offer the convenience of Skip-A-Pay up to two times a year—once in the summer (July or August payment) and once in the winter (November or December payment). It’s a great way to give your budget a little breathing room during busy seasons.
Serving Our Local Communities
NESC Credit Union proudly serves members in Methuen, Lawrence, the Merrimack Valley, and Southern New Hampshire. Whether you're nearby or just looking for a better rate from a credit union that puts you first, we're here to help you finance your next ride.
Enjoy life's little moments!
Our Savings Accounts provide peace of mind, allowing you to embrace every adventure.