RTN Car Loans – Drive Happy!

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If you’re shopping for a new or used vehicle, or looking to lower your current car payment, come see us first. RTN offers great low rate car loans, individualized attention and an easy application process too.

You can finance up to 100% of the selling price plus sales tax for new vehicles, or 100% of the NADA book value for used vehicles, including filing fees. The maximum loan amount is $100,000, with up to seven years to repay.

  • Finance a new or used vehicle
  • Refinance your existing car loans
  • Preapproved auto loans
  • GAP (Guaranteed Asset Protection) insurance available

Compare and Save with RTN Insurance Agency, LLC

Many members have found great savings on their insurance policies with RTN Insurance Agency, LLC, a subsidiary of RTN Federal Credit Union. Specialists will research, review and compare products from multiple vendors to make sure you receive the best value for the coverage you seek. Find out more about the RTN Insurance Agency and request your free quote today.

RTN AutoSMART Center

Our AutoSMART center is an excellent resource to help you as you plan your car purchase. Here’s what you can do there:

  • Research new or used vehicles
  • Build a car with the options you want
  • Locate your vehicle at local participating dealers and review their pricing
  • Get an instant car loan pre-approval decision from us online or at the dealership. Your salesperson can process your RTN Federal Credit Union auto loan on the spot even when we are closed. You’ll love being able to drive off in your vehicle sooner than you thought.

Visit our AutoSMART center or apply for your pre-approval before you shop for your next vehicle.


Enterprise Car Sales

Enterprise Car Sales

Looking for a good used vehicle? Enterprise has a large selection of quality used vehicles and worry-free ownership. They offer a no-haggle buying process, vehicle certification, free car fax, allow for trade-ins, have a 7 day repurchase agreement, limited power train warranty and 12 months road side assistance. Visit an Enterprise dealership in Woburn, Worcester or
Manchester, NH or shop for your Enterprise vehicle online.

Apply for an RTN Car Loan:

  • At any RTN branch during business hours
  • Call Member Services, 781-736-9900 any time of day or night
  • Online, 24 hours a day, 7 days a week

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Not a member? Join RTN today!

New Car, Light Truck, Van or SUV

2019 - 2022 model years. Maximum loan $100,000

Term APR*
Starting at
Payment per Thousand Note
36 2.625% $28.92
48 2.75% $22.02
66 2.75% $16.34
72 3.625% $15.47
84 4.50% $13.90

A used car loan is the right choice for many budget-conscious families and anyone who is looking for reliability in a car, truck, or SUV.

Used Car, Light Truck, Van or SUV

2016 - 2018 model years. Maximum loan $100,000.

Term APR*
Starting at
Payment per Thousand Note
36 2.75% $28.97
48 2.75% $22.02
66 2.875% $16.40
72 3.99% $15.64
84 4.99% $14.13

Don’t see an auto loan rate here that fits your needs? See more rates and terms * on older model used vehicles.

Ready to finance your next vehicle? Apply for your car loan online via our Loan Center or visit any of our branches.

Earned Rate Program: Minimum loan amount is $750.00 and minimum loan payment is at least $50.00 per month. The following disclosure applies to all loan types except the Overdraft Protection and Share Secured Loans.

* APR = Annual Percentage Rate. The APRs you receive will be within the range disclosed above and is based on your credit history. The APRs quoted in this table reflect a 1.00% APR discount for direct deposit of net pay, Social Security, or pension benefits coupled with automatic payment. Rates are accurate as the date listed, subject to change and replace all previously quoted APRs. These offerings are for a limited time and may be withdrawn or changed at any time without notice. $55 vendor single interest (VSI) premium charge will be added to all vehicle, boat and RV loans. All new auto, motorcycle, boat and RV loans will be based on 100% MSRP plus tax and title. All used auto, motorcycle, boat, and RV loans will be based on 100% NADA book value plus tax and title.