Rates are subject to change without notice. Subject to individuals residing or working in Western or Central Massachusetts; or Northern or Central Connecticut.
All Loans with an Asterisk (*) reflect a 0.250% interest rate discount as long as you maintain an automatic payment withdrawal from a new or existing Westfield Bank checking account. The account must be opened prior to the settlement of your loan. A Relationship Banking Notice will be given at the start of your application.
For more information, or to apply, contact a Consumer Loan Specialist at 413.568.1911, 860.838.3766 or 800.995.5734, apply online, or visit any of our convenient offices.
View our Financial Calculators here
Annual Percentage Rates (APRs) are accurate as of July 24, 2025. All rates are subject to change without notice.
Westfield Bank NMLS ID 439933
Auto Loans - Consumer Only
| Term | Interest Rate | Annual Percentage Rate (APR) | Monthly Payment Per $1,000 Borrowed | Apply |
|---|---|---|---|---|
|
New 60 Months |
7.250%* | 7.250% | $19.92 | Apply Now |
|
New 48 Months |
7.250%* | 7.250% | $24.06 | Apply Now |
|
New 36 Months |
7.250%* | 7.250% | $30.99 | Apply Now |
|
Used 60 Months Model Years 2022-2025 |
7.250%* | 7.250% | $19.92 | Apply Now |
|
Used 48 Months Model Year up to 2021 |
7.250%* | 7.250% | $24.06 | Apply Now |
|
Used 36 Months Model Year up to 2020 |
7.250%* | 7.250%* | $30.99 | Apply Now |
New car loans are only available on model year 2025 up to
- 100% of the purchase price for loan amounts up to $50,000
- 90% of the purchase price for loan amounts up to $50,001 - $70,000
- 80% of the purchase price for loan amounts up to $70,001 or more
Pre-owned car loan maximum financing 2020-2025.
- Model year 2020 has a maximum term of 36 months, Lesser of 80% of the purchase price or 80% NADA Clean Retail
- Model year 2021 has a maximum term of 48 months, Lesser of 80% of the purchase price or 80% NADA Clean Retail
- Model years 2022-2025 have a maximum term of 60 months, Lesser of 90% of the purchase price or 90% NADA Clean Retail
*Rates include a 0.250% discount with automatic payment from a Westfield Bank checking account. New accounts must be opened prior to closing. Call us for more details.
Recreational Vehicles
| Term | Interest Rate | Annual Percentage Rate (APR) | Monthly Payment Per $1,000 Borrowed | Apply |
|---|---|---|---|---|
| Motorcycle, RV & Boat Loans 12 Months | 7.750%* | 7.750% | $86.87 | Apply Now |
| Motorcycle, RV & Boat Loans 24 Months | 7.750%* | 7.750% | $45.11 | Apply Now |
| Motorcycle, RV & Boat Loans 36 Months | 7.750%** | 7.750% | $31.22 | Apply Now |
| Motorcycle, RV & Boat Loans 48 Months | 7.750%* | 7.750% | $24.30 | Apply Now |
20% Down Payment Required. **APR is based off of 48 months. *Rates include a 0.250% discount with automatic payment from a Westfield Bank checking account. New accounts must be opened prior to closing. Call us for more details.
Pool and Spa Loans
| Term | Interest Rate | Annual Percentage Rate (APR) | Monthly Payment Per $1,000 Borrowed | Apply |
|---|---|---|---|---|
| Pool & Spa 60 Months | 6.250% | 6.250% | $19.45 | Apply Now |
| Pool & Spa 48 Months | 6.250% | 6.250% | $23.60 | Apply Now |
| Pool & Spa 36 Months | 6.250% | 6.250% | $30.54 | Apply Now |
| Pool & Spa 24 Months | 6.250% | 6.250% | $44.33 | Apply Now |
| Pool & Spa 12 Months | 6.250% | 6.250% | $86.18 | Apply Now |
90% of the purchase price with a maximum loan amount of $10,000. (Home Equity Loans or Lines of Credit may be available for any loans over $10,000.)