Auto Consumer Loans

Wherever You’re Headed, We’ve Got a Loan for You.

Whether it’s your first car or your next upgrade, we make financing simple. With competitive rates and local support, you’ll be able to focus on the road ahead.

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Auto Loan – New

Rates as low as

7.25%

APR*

*See rate details →

Apply Now

Used Cars with Model Years 2021 - 2025

Rates as low as

8.75%

APR*

*See rate details →

Apply Now

How Does It Work?

Happy customer with car keys in hand shaking hands with female car seller at car salon while closing the deal.

RCB offers auto loans for new and used car purchases, with competitive rates and quick approvals for minimal hassle. Let us help you find a loan that works for you.

Once you have completed the application, please email a copy to mortgages@readingcoop.com.

The application process is quick and easy; you can either apply online or make an appointment to discuss your options with one of our experts.

Download the Application

New Cars with Model Year 2026

Term	APR^*	Payment Per $1000
48 Months	7.25%	$24.06
60 Months	8.00%	$20.27
72 Months	8.75%	$17.91

Used Cars with Model Years 2021 – 2025

Term	APR^*	Payment Per $1000
36 Months	8.75%	$31.68
48 Months	9.50%	$25.12
60 Months	9.75%	$21.12

Recreational Vehicles – New¹ or Used²

Term	APR^*	Payment Per $1000
36 Months (max)	11.00%	$32.74

*APR = Annual Percentage Rate

¹New vehicles – maximum of 95% of Purchase Price (must have less than 6,000 miles and be titled). Loans up to $50,000, max term 6 years for new cars (2026 model year).
²Used vehicles – maximum of 80% of Purchase Price or NADA blue book value, whichever is less (autos with model years not older than 5 years – currently 2021).

Rates and terms are effective as of 06/10/2026 and are subject to change at any time without notice.

Hear From Customers Like You.

“Small banks 🏦 like Reading Cooperative outshine the big banks every time. Amazing personalized service. High quality products.”

William B
“My wife and I just closed on our first home in Boston, and got our mortgage through Reading Cooperative Bank. They offered us a very competitive rate, but more importantly, their customer service throughout the whole process was incredible. Really, we couldn’t have asked for more.”

Alex Bl
“Reading cooperative bank is one of few cooperative banks that has firmly endorsed measures to ensure it remains a cooperative bank and is not acquired by a conglomerate. Led by one of the rising business CEO’s who just happens to be a woman, Reading Cooperative bank is unique.”

AC Auto
“Very friendly bank that has been nothing but helpful to me and my business for over fifteen years.”

James V
“Very good bank. They offer all of the Services the big banks do but they have better customer service and treat their customers better. They make you feel like you’re more than just a number.”

Christopher B