Bank · FDIC insured
Ephrata National Bank Auto Loan Rates
Ephrata National Bank auto loans start at 5.99% APR for a new vehicle and 6.75% for a used one. Rates checked October 16, 2026.
How Ephrata National Bank’s auto loan rates compare
Compared with banks and credit unions near Lancaster, PA, where Ephrata National Bank has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
Ephrata National Bank
5.99%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- Included in the rate
New Vehicle Loans
Lowest rate
Wheatland Federal Credit Union
4.49%APR
- Terms
- —
- Up to
- 18.00% APR
- Discount
- None included
2nd-lowest rate
Everence
4.74%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
Ephrata National Bank auto loan score
63
Auto loan score
Higher than 8% of U.S. banks and credit unions
- New vehicleNew5.99%
- Used vehicleUsed6.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Ephrata National 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.
New Vehicle Loans
Fixed rate, closed-end loan secured by your vehicle. ENB uses the lesser of the purchase price (less taxes, tags and other charges) or the value as stated on the NADA guide in calculating the LTV. State encumbrance fees will apply. The advertised rate is our base rate of 6.49% with discounts: credit score of 700 or greater, automatic payment deduction from an ENB deposit account, and maximum loan amount of $100,000. Max LTV 100%, Min Down 0%.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.99% | Base rate 6.49% with discounts: credit score >= 700, automatic payment deduction from an ENB deposit account, max loan amount $100,000. Max LTV 100%, min down 0%. |
Used Vehicle Loans
Fixed rate, closed-end loan secured by your vehicle. ENB uses the lesser of the purchase price (less taxes, tags and other charges) or the value as stated on the NADA guide in calculating the LTV. State encumbrance fees will apply. Rates vary by vehicle model age, credit score (700+ discount), automatic payment deduction from an ENB deposit account, and loan amount.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 6.75% | 1 - 2 Year Old Models. Base rate 7.25% with discounts: credit score >= 700, automatic payment deduction from an ENB deposit account, max loan amount $100,000. Max LTV 100%, min down 0%. |
| up to 48 months | 8.25% | 3+ Year Old Models. Base rate 8.75% with discounts: credit score >= 700, automatic payment deduction from an ENB deposit account, max loan amount $50,000. Max LTV 90%, min down 10%. |
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.