Just went through some older auto loan data from 2024 and noticed some interesting patterns across East Coast states that might still be relevant for planning. The APR rates varied quite a bit depending on where you were shopping and what vehicle type you wanted. Massachusetts stood out in my analysis when looking at best auto loan rates massachusetts - they were sitting around 6.25% for SUVs back then, which was actually more competitive than some neighboring states. Florida and Georgia had notably higher rates, hitting 7-8% range for most vehicles. Meanwhile, New Hampshire and Rhode Island showed some surprisingly low rates on electric vehicles, under 2% in a couple cases. For a typical five-year loan with 20% down, monthly payments ranged from around $700-$800 depending on vehicle type and state. The data I found was from August 2024, so current rates have probably shifted, but the regional differences probably still hold. If you're shopping for a new car on the East Coast, it definitely pays to check rates across state lines - I saw variations of over a full percentage point just moving between neighboring states.