Bank · FDIC insured
PennCrest Bank Auto Loan Rates
PennCrest Bank auto loans start at 6.49% APR for a new vehicle and 6.99% for a used one. Rates checked October 16, 2026.
How PennCrest Bank’s auto loan rates compare
Compared with banks and credit unions near Altoona, PA, where PennCrest Bank has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
PennCrest Bank
6.49%APR
- Terms
- up to 66 months
New Automobile
Lowest rate
G.A.P. Federal Credit Union
4.50%APR
- Terms
- up to 60 months
2nd-lowest rate
Blair County Federal Credit Union
4.74%APR
- Terms
- up to 60 months
PennCrest Bank auto loan score
62
Auto loan score
Higher than 7% of U.S. banks and credit unions
- New vehicleNew6.49%
- Used vehicleUsed6.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where PennCrest 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 Automobile
Discounted rate requires monthly payments to be automatically drafted from a PennCrest BANK checking account. APR, terms and conditions may vary based on qualifications.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.49% | Payment per $1,000 is $19.56. Requires monthly payment auto-drafted from PennCrest BANK checking account. |
| up to 66 months | 6.49% | Payment per $1,000 is $18.06. Requires monthly payment auto-drafted from PennCrest BANK checking account. |
| up to 72 months | 6.49% | Payment per $1,000 is $16.81. Requires monthly payment auto-drafted from PennCrest BANK checking account. |
Sources (2)
All captured Oct 16, 2026
Used Automobile (2020 and older)
For model years 2020 and older. Discounted rate requires monthly payments to be automatically drafted from a PennCrest BANK checking account. APR, terms and conditions may vary based on qualifications.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 7.49% | For model years 2020 and older. Payment per $1,000 is $17.29. Requires monthly payment auto-drafted from PennCrest BANK checking account. |
Sources (2)
All captured Oct 16, 2026
Used Automobile (2026 - 2021)
For model years 2021-2026. Discounted rate requires monthly payments to be automatically drafted from a PennCrest BANK checking account. APR, terms and conditions may vary based on qualifications.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 6.99% | For model years 2021-2026 (2026 - 2021). Payment per $1,000 is $17.04. Requires monthly payment auto-drafted from PennCrest BANK checking account. |
Sources (2)
All captured Oct 16, 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.