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COVID-19 Updates - Important information regarding branch & service availability, remote banking options, resources for financial hardship, and more: Click Here

UMassFive has been approved to be a lender of the SBA's Payroll Protection Program (PPP) as a part of the recently passed 2020 CARES Act, and will be eligible to process PPP loans through the SBA's loan delivery system as soon as this system is made available to us. Please email our Commercial Services Division for additional information.

Auto Loans


Welcome to easy street.

Thanks to our range of terms, versatile payment options, and an easy, intuitive one-time application, we make buying a car simple and affordable.


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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 Max Term
  Rates Start at...  
Autos New & Used 3.29% Up to 66 Months
Autos New & Used 3.79% Over 66 Months

Ready to apply for your Auto Loan?