What's the average auto refinance APR in Massachusetts?

Massachusetts drivers with 720+ FICO see refinance APRs around 7.0% on 60-month new-car loans (Experian Q4 2025). Subprime borrowers (sub-660 FICO) typically see 2–4 points higher. Your actual rate depends on credit, loan-to-value, and term selected.

How much could I save refinancing in Massachusetts?

If your current auto loan is at the U.S. median pre-refi APR of 9.2% on a $22,000 balance with 48 months remaining, refinancing at the Massachusetts average of 7.0% saves about $23/month and roughly $1,075 over the life of the loan. Use the estimator above with your actual numbers for a personalized projection.

Are out-of-state refi lenders licensed in Massachusetts?

Yes — every refinance lender we list is licensed nationally and serves Massachusetts borrowers. Local Massachusetts credit unions sometimes beat national APRs by 0.3–0.7 points for members; worth checking after running the national comparison.

Does Massachusetts charge tax on a refinanced auto loan?

Massachusetts sales tax (6.25%) was paid when you originally purchased the car — refinancing replaces the loan, not the title transfer, so there's no additional state sales tax. Massachusetts excise tax: 6.25% sales + annual $25/$1k assessed value.

What's the average auto refinance APR in Massachusetts?

Massachusetts drivers with 720+ FICO see refinance APRs around 7.0% on 60-month new-car loans (Experian Q4 2025). Subprime borrowers (sub-660 FICO) typically see 2–4 points higher. Your actual rate depends on credit, loan-to-value, and term selected.

How much could I save refinancing in Massachusetts?

If your current auto loan is at the U.S. median pre-refi APR of 9.2% on a $22,000 balance with 48 months remaining, refinancing at the Massachusetts average of 7.0% saves about $23/month and roughly $1,075 over the life of the loan. Use the estimator above with your actual numbers for a personalized projection.

Are out-of-state refi lenders licensed in Massachusetts?

Yes — every refinance lender we list is licensed nationally and serves Massachusetts borrowers. Local Massachusetts credit unions sometimes beat national APRs by 0.3–0.7 points for members; worth checking after running the national comparison.

Does Massachusetts charge tax on a refinanced auto loan?

Massachusetts sales tax (6.25%) was paid when you originally purchased the car — refinancing replaces the loan, not the title transfer, so there's no additional state sales tax. Massachusetts excise tax: 6.25% sales + annual $25/$1k assessed value.

Refinance · MA

Refinance your auto loan in Massachusetts.

Massachusetts drivers with prime credit see refi APRs around 7.0% right now. Refinancing a typical $22,000 balance from 9.2% to 7.0% saves about $1,075 over the life of the loan.

Live lender snapshot

AutoPay
Best refi marketplace
APR from
4.99%
Caribou
Best for subprime refi
APR from
5.49%
Carputty
Soft-pull · subprime-friendly · luxury ceiling
APR from
5.49%
LightStream
Best for prime refi
APR from
6.49%

Soft pull · Rate-checked monthly

Full comparison table

Live lender snapshot

AutoPay
Best refi marketplace
APR from
4.99%
Caribou
Best for subprime refi
APR from
5.49%
Carputty
Soft-pull · subprime-friendly · luxury ceiling
APR from
5.49%
LightStream
Best for prime refi
APR from
6.49%

Soft pull · Rate-checked monthly

Full comparison table

Reviewed by CarSavr Editorial TeamReviewed Feb 15, 2026Editorial standards

7.0%

Massachusetts refi APR

↓ 0.3 pts below national avg (7.3%)

720+ FICO, 60-mo term. Experian Q4 2025.

$1,075

Typical lifetime savings

$22,000 balance · 48 months remaining · 9.2% → 7.0% APR.

Soft pull

No credit impact

Pre-qualify with every refi lender on this page without a hard inquiry. Hard pull only if you accept the final offer.

Updated Jun 14See methodology

Free refi calculator · 30 seconds

Already financed? See what refinancing saves.

Drop in your current balance, APR, and what you'd qualify for today. We'll show the new monthly payment and your lifetime savings — then match you to lenders that quote those rates.

Current loan balance$22,000

Current APR9.50%

Credit band

Selecting a band auto-seeds the target APR below — you can still drag the slider to override.

Target new APR6.50%

Months remaining48 mo

Your refinance estimate

$31/mo

≈ $1,487 lifetime savings · 48 months remaining

Old payment

$553

New payment

$522

Free · 60 seconds · Soft credit pull · No spam

Advertiser disclosure: Offers below are from partners that compensate us when you click or apply. Compensation does not determine our rankings. How we make money.

Estimate only. Real refinance offers depend on credit, vehicle age, mileage, and lender minimums (most require a $5,000+ balance and a vehicle under 10 years old). Closing costs and any prepayment penalty on your current loan should be subtracted from the lifetime-savings number above.

Advertiser disclosure: Offers below are from partners that compensate us when you click or apply. Compensation does not determine our rankings. How we make money.

Audited rubric — 100% weight publishedRead →

Rates as of Jun 14, 2026

Refinance lenders for Massachusetts drivers.

National refi lenders, soft pull, no spam. Compare side-by-side and pick the one that beats your current rate.

Comparing 12 lenders· Rates verified Jun 14

Data last reviewed Jun 14, 2026. Source: CarSavr editorial methodology.

How we score

Your current APR%

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Compare refi lenders side-by-side

Multiple refi quotes — one application

Soft pull · No obligation · Better than your current loan or skip

Lender		Est. payment	Savings vs current		Loan amount	Term
1 Editor's pick	4.99–17.99% Total int. ~$3,300 · $25k · 60mo	$566/mo $30k · 60mo	Save $71/mo $4,260 over 60mo	560+	$5K–$100K	24–96 mo	Reviewed today	Affiliate offer
2 Best for subprime refi	5.49–17.99% Total int. ~$3,645 · $25k · 60mo	$573/mo $30k · 60mo	Save $64/mo $3,840 over 60mo	580+	$8K–$80K	24–84 mo	Reviewed today
3 Soft-pull · subprime-friendly · luxury ceiling	5.49–19.99% Total int. ~$3,645 · $25k · 60mo	$573/mo $30k · 60mo	Save $64/mo $3,840 over 60mo	580+	$8K–$250K	24–96 mo	Reviewed today
Best for prime refi	6.49–13.74% Total int. ~$4,342 · $25k · 60mo	$587/mo $30k · 60mo	Save $50/mo $3,000 over 60mo	660+	$5K–$100K	24–84 mo	Reviewed today
150+ partner lenders · 25 years in market	5.39–17.99% Total int. ~$3,576 · $25k · 60mo	$572/mo $30k · 60mo	Save $65/mo $3,900 over 60mo	580+	$10K–$100K	12–72 mo	Reviewed today
Best credit union refi	5.24–17.99% Total int. ~$3,472 · $25k · 60mo	$569/mo $30k · 60mo	Save $68/mo $4,080 over 60mo	610+	$500–$150K	36–84 mo	Reviewed today
No prepayment penalty · 660+ FICO refi	5.74–24.99% Total int. ~$3,818 · $25k · 60mo	$576/mo $30k · 60mo	Save $61/mo $3,660 over 60mo	660+	$5K–$55K	24–72 mo	Reviewed today
Refi-only · 30+ lender network · 525 FICO floor	5.99–22.49% Total int. ~$3,992 · $25k · 60mo	$580/mo $30k · 60mo	Save $57/mo $3,420 over 60mo	525+	$8K–$150K	24–96 mo	Reviewed today
Refi-only · military-friendly · A+ BBB	5.49–19.99% Total int. ~$3,645 · $25k · 60mo	$573/mo $30k · 60mo	Save $64/mo $3,840 over 60mo	560+	$8K–$150K	24–84 mo	Reviewed today
Refi-only · 24-48 hour turnaround · 20 yr in market	5.29–19.49% Total int. ~$3,507 · $25k · 60mo	$570/mo $30k · 60mo	Save $67/mo $4,020 over 60mo	580+	$10K–$150K	24–84 mo	Reviewed today

Get our take when refi rates move.

Refi rates move with the 5-year treasury — sometimes 0.5+ points in 6 weeks. Set your target APR and we'll email you our editorial take when rates move materially against it.

Best of 2026

See the best auto refinance lenders for 2026.

Hand-reviewed refinance lenders · sorted by lowest APR · independent editorial.

See the full ranking

Massachusetts refinance FAQ

MA Purchase Loans

Buying a car in Massachusetts? Different funnel.

This page is for drivers who ALREADY have an auto loan and want a lower APR. If you're shopping for a new or used car and haven't taken out a loan yet, the purchase-financing lenders compete on different terms (down payment, term length, dealer rebates). See Massachusetts's purchase-loan shortlist to pre-qualify before you visit the dealer.

See MA purchase loans

Refinance by State

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine See all 51 →

Neighboring states

Compare refinance rates in nearby states.

Bordering states often share carrier mix and pricing patterns — useful if you're moving, work across state lines, or want to anchor your own state's number against a peer benchmark.

Popular cities in Massachusetts

Get the city-specific refinance breakdown.

Premiums and APRs vary 20-40% across ZIP codes within the same state. The city pages surface hyperlocal carrier mix, risk factors, and savings tactics.

Boston