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Last Updated: 04/18/2025

Mass Bay CU Auto Loans

in Auto Loans from Mass Bay Credit Union

Last Updated: 04/18/2025

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Amount Range

N/A

APR (Fixed APR)

Starting at 5.24%(Verified 06/29/2024)

Credit Score Range

N/A

Loan Term (Months)

48 - 72
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Mass Bay CU Auto Loans Review

Mass Bay CU Auto Loans is offered by Mass Bay Credit Union, a credit union founded in 1936 and based in South Boston, MA. Mass Bay CU Auto Loans are available in 50 states, 5 US territories, and Washington, DC.

Mass Bay CU Auto Loans FAQ

What APR does Mass Bay CU Auto Loans offer on its car loans?

Mass Bay CU Auto Loans offers a fixed apr car loan product that ranges from 5.24% APR.
Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.

What is the maximum auto loan term you can get with Mass Bay CU Auto Loans?

Mass Bay CU Auto Loans has car loans with terms ranging from 48 to 72 months. Having the option of longer terms -- terms can range up to 144 months -- allows borrowers to take on larger auto loan amounts while keeping monthly payments more affordable. However, the longer the term of your auto loan, the more interest you will pay.

Does Mass Bay CU Auto Loans charge an origination fee?

Yes, Mass Bay CU Auto Loans may charge a loan origination fee .

Does Mass Bay CU Auto Loans charge a late fee?

Yes, Mass Bay CU Auto Loans charges borrowers with a late payment penatly fee

Does Mass Bay CU Auto Loans charge prepayment fees?

Yes, Mass Bay CU Auto Loans does charge borrowers a fee if they pay their loans early. Consider prepayment fees when you choose a lender because prepayment can reduce or even cancel the interest savings of repaying a loan early.

Can I pay off early my Mass Bay CU Auto Loans loan?

Yes, you can. However, Mass Bay CU Auto Loans charges a prepayment fee if you pay your car loan early. This fee could reduce or eliminate the savings from paying the car loan early.

What do you need to qualify for Mass Bay CU Auto Loans?

Mass Bay CU Auto Loans does not require or does not disclose a credit score minimum. The minimum age to be eligible is 18 or the state minimum, whichever is higher.
Mass Bay CU Auto Loans does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Mass Bay CU Auto Loans.
To qualify, applicants may need to provide the following documentation:
  • Driver's license or other government photo ID
  • Government issued photo ID
  • Proof of identity

Does Mass Bay CU Auto Loans report your account activity to credit bureaus?

Yes, Mass Bay CU Auto Loans reports to the following credit bureaus:
  • Equifax
  • Experian
  • TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.

Does Mass Bay Credit Union perform a hard credit pull?

Yes, Mass Bay CU Auto Loans performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.

Is Mass Bay Credit Union a legit company?

Mass Bay Credit Union was founded in 1936, it is a well-established company that has been in business for 90 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters

147 W Fourth St
South Boston, MA 02127
(617) 269-2700
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Email Support

Hours of Operation

Sunday
Closed
Monday
8:30AM - 4:00PM
Tuesday
8:30AM - 4:00PM
Wednesday
8:30AM - 4:00PM
Thursday
8:30AM - 4:00PM
Friday
8:30AM - 4:00PM
Saturday
8:30AM - 1:15PM

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