Credit union · NCUA insured
Everence Auto Loan Rates
Top CarrotEverence auto loans start at 4.74% APR for a new vehicle and 4.74% for a used one. Rates checked October 16, 2026.
How Everence’s auto loan rates compare
Compared with banks and credit unions near Lancaster, PA, where Everence has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Everence
4.74%APR
- Terms
- up to 60 months
- Up to
- —
Auto or motorcycle loan
Lowest rate
Wheatland Federal Credit Union
4.49%APR
- Terms
- —
- Up to
- 18.00% APR
3rd-lowest rate
Lancaster Red Rose Credit Union
4.75%APR
- Terms
- up to 60 months
- Up to
- —
Everence auto loan score
87
Auto loan score
Higher than 80% of U.S. banks and credit unions
- New vehicleNew4.74%
- Used vehicleUsed4.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Everence ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto or motorcycle loan
Rates are based on creditworthiness, collateral, and loan term. Must meet credit and collateral criteria to qualify. Continuous car insurance coverage required. 0.50% interest rate discount available for financing an electric or hybrid vehicle (green vehicle discount) or a one-time 0.50% APR discount for members with/transitioning from a Student Checking Account (discounts cannot be combined and cannot reduce rate below best APR). Membership eligibility required.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.74% | Rate shown for new or up to four years old auto or motorcycle, up to 60 months. Lowest current rate listed based on credit, collateral, and loan term. |
| up to 72 months | 5.24% | Lowest current rate listed based on credit, collateral, and loan term. |
| up to 84 months | 5.74% | Lowest current rate listed based on credit, collateral, and loan term. |
Sources (6)
- everence.com/banking/consumer-…uto-and-motorcycle-loans
- everence.com/banking/personal-…savings/student-checking
- everence.com/banking/rates-and-service-schedule
- everence.com/banking/rates-and…vice-schedule/loan-rates
- everence.com/banking
- everence.com/banking/consumer-loans
All captured Oct 7, 2026
Who can join Everence
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.