Bank · FDIC insured
AmeriServ Bank Auto Loan Rates
AmeriServ Bank auto loans start at 6.92% APR for a new vehicle and 7.96% for a used one. Rates checked October 16, 2026.
How AmeriServ Bank’s auto loan rates compare
Compared with banks and credit unions near Johnstown, PA, where AmeriServ Bank has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
AmeriServ Bank
6.92%APR
- Terms
- up to 72 months
Automobile & Light Truck Loans
Lowest rate
MERHO Federal Credit Union
4.25%APR
- Terms
- up to 60 months
2nd-lowest rate
PRR South Fork Federal Credit Union
4.25%APR
- Terms
- up to 84 months
AmeriServ Bank auto loan score
61
Auto loan score
Higher than 4% of U.S. banks and credit unions
- New vehicleNew6.92%
- Used vehicleUsed7.96%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where AmeriServ Bank ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Automobile & Light Truck Loans
Available to individuals over 18 years of age who meet established AmeriServ guidelines for credit approval. Maximum loan value of 100%. Maximum loan term available based on model year. A 0.25% discount is available for automatic debit from an AmeriServ deposit account. Rates and terms are examples based on a $10,000 loan amount.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.59% | Brand New, Previously Untitled vehicles. Maximum term 36 months. Estimated monthly payment $306.87 based on a $10,000 loan amount. A 0.25% discount is available for automatic debit from an AmeriServ deposit account. |
| up to 72 months | 6.92% | Brand New, Previously Untitled vehicles. Maximum term 72 months. Estimated monthly payment $170.11 based on a $10,000 loan amount. A 0.25% discount is available for automatic debit from an AmeriServ deposit account. |
| up to 36 months | 7.59% | Used model years 2022 & newer for up to 36 months. Estimated monthly payment $311.46 based on a $10,000 loan amount. A 0.25% discount is available for automatic debit from an AmeriServ deposit account. |
| up to 60 months | 7.96% | Used model years 2022 & newer for up to 60 months. Estimated monthly payment $202.55 based on a $10,000 loan amount. A 0.25% discount is available for automatic debit from an AmeriServ deposit account. |
| up to 36 months | 9.59% | Used 2019-2021 for up to 36 months. Estimated monthly payment $320.75 based on a $10,000 loan amount. A 0.25% discount is available for automatic debit from an AmeriServ deposit account. |
Sources (2)
All captured Oct 7, 2026
Motorcycle Loans
Available for motorcycle financing. Maximum loan to value of 100%. Maximum term loan available based on model year. A 0.25% discount is available for automatic debit from an AmeriServ deposit account. Rates and terms are examples based on a $10,000 loan amount.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 8.71% | Brand New, Previously Untitled for up to 60 months. Estimated monthly payment $206.17 based on a $10,000 loan amount. A 0.25% discount is available for automatic debit from an AmeriServ deposit account. |
| up to 60 months | 9.71% | Used model years 2022 & newer for up to 60 months. Estimated monthly payment $211.05 based on a $10,000 loan amount. A 0.25% discount is available for automatic debit from an AmeriServ deposit account. |
| up to 36 months | 11.09% | Used 2019-2021 for up to 36 months. Estimated monthly payment $327.83 based on a $10,000 loan amount. A 0.25% discount is available for automatic debit from an AmeriServ deposit account. |
Sources (2)
All captured Oct 7, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.