Bank · FDIC insured
Fidelity Bank Auto Loan Rates
Fidelity Bank auto loans start at 5.43% APR for a new vehicle and 6.16% for a used one. Rates checked October 16, 2026.
How Fidelity Bank’s auto loan rates compare
Compared with banks and credit unions near Scranton, PA, where Fidelity Bank has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
Fidelity Bank
5.42%APR
- Terms
- up to 63 months
- Discount
- Included in the rate
Auto Loans
Lowest rate
UFCW Community Federal Credit Union
3.70%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
- Discount
- None included
Fidelity Bank auto loan score
69
Auto loan score
Higher than 25% of U.S. banks and credit unions
- New vehicleNew5.43%
- Used vehicleUsed6.16%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Fidelity 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.
Auto Loans
Displayed rates are for excellent credit (credit score 740 or better) with auto-pay from a Fidelity Bank checking account; without auto-pay the rate is 0.25% higher. Vehicles must be titled in Pennsylvania. Financing available up to 110% on new autos and up to NADA book average loan value on used autos. Consumer loans include a $75 document preparation fee and a $30.80 credit report fee. Other rates and terms may be available. APR/payment examples use $25,000 financed unless noted.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.43% | Advertised as-low-as APR for qualified borrowers with credit scores of 740 and higher financing $25,000; one footnote states 60 months and another states 63 months. APR already includes auto-pay from a Fidelity Bank checking account. Consumer loans subject to $75 document preparation fee and $30.80 credit report fee. |
| up to 63 months | 5.42% | New/Used Cars 2024 & Above. Stated rate/APR for excellent credit with auto-pay from a Fidelity Bank checking account; payment example based on $25,000 financed. Single advertised APR is not a maximum; actual APR varies with credit history, product, term, loan amount, and finance charges. Consumer loans subject to $75 document preparation fee and $30.80 credit report fee. |
| up to 63 months | 6.16% | Used Cars 2023/2022/2021. Stated rate/APR for excellent credit with auto-pay from a Fidelity Bank checking account; payment example based on $25,000 financed. Single advertised APR is not a maximum; actual APR varies with credit history, product, term, loan amount, and finance charges. Consumer loans subject to $75 document preparation fee and $30.80 credit report fee. |
| up to 63 months | 7.52% | Used Cars 2020/2019. Stated rate/APR for excellent credit with auto-pay from a Fidelity Bank checking account; payment example based on $25,000 financed. Single advertised APR is not a maximum; actual APR varies with credit history, product, term, loan amount, and finance charges. Consumer loans subject to $75 document preparation fee and $30.80 credit report fee. |
| up to 57 months | 7.94% | Used Cars 2018/2017. Stated rate/APR for excellent credit with auto-pay from a Fidelity Bank checking account; payment example based on $25,000 financed. Single advertised APR is not a maximum; actual APR varies with credit history, product, term, loan amount, and finance charges. Consumer loans subject to $75 document preparation fee and $30.80 credit report fee. |
| up to 48 months | 8.81% | Older Cars. Stated rate/APR for excellent credit with auto-pay from a Fidelity Bank checking account; payment example based on $25,000 financed. Single advertised APR is not a maximum; actual APR varies with credit history, product, term, loan amount, and finance charges. Consumer loans subject to $75 document preparation fee and $30.80 credit report fee. |
Sources (2)
All captured Oct 16, 2026
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