Bank · FDIC insured
QNB Bank Auto Loan Rates
QNB Bank auto loans start at 6.50% APR for a new vehicle and 6.50% for a used one. Rates checked October 16, 2026.
How QNB Bank’s auto loan rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where QNB Bank has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
QNB Bank
6.50%APR
- Terms
- up to 72 months
- Up to
- 8.75% APR
- Discount
- Included in the rate
New Auto Loans
Lowest rate
GE Credit Union
3.99%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
2nd-lowest rate
American Airlines Federal Credit Union
4.09%APR
- Terms
- 37–60 months
- Up to
- 13.14% APR
- Discount
- None included
QNB Bank auto loan score
63
Auto loan score
Higher than 9% of U.S. banks and credit unions
- New vehicleNew6.50%
- Used vehicleUsed6.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where QNB 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.
Motorcycle Loans
Customer will be responsible for encumbrance fee of $108.00. Vehicle value calculated on Sales Price, CarFax, or Book Retail value - whichever is Less. Customer is required to carry Comp and Collision insurance year round.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 9.49%–10.49% | New - 2025 - 2026; Auto deduct rate; Loan-to-Value 80%; Credit score tiers >720 (9.49%), 680-719 (9.99%), 650-679 (10.49%). |
| up to 60 months | 9.99%–10.99% | New - 2025 - 2026; Non-auto deduct rate; Loan-to-Value 80%; Credit score tiers >720 (9.99%), 680-719 (10.49%), 650-679 (10.99%). |
| up to 60 months | 10.24%–11.24% | Model years 2024 - 2025; Auto deduct rate; Loan-to-Value 80%; Credit score tiers >720 (10.24%), 680-719 (10.74%), 650-679 (11.24%). |
| up to 60 months | 10.74%–11.74% | Model years 2024 - 2025; Non-auto deduct rate; Loan-to-Value 80%; Credit score tiers >720 (10.74%), 680-719 (11.24%), 650-679 (11.74%). |
| up to 48 months | 10.49%–11.49% | Model years 2022 - 2023; Auto deduct rate; Loan-to-Value 80%; Credit score tiers >720 (10.49%), 680-719 (10.99%), 650-679 (11.49%). |
| up to 48 months | 10.99%–11.99% | Model years 2022 - 2023; Non-auto deduct rate; Loan-to-Value 80%; Credit score tiers >720 (10.99%), 680-719 (11.49%), 650-679 (11.99%). |
| up to 36 months | 11.49%–12.49% | Model years 2020 - 2021; Auto deduct rate; Loan-to-Value 80%; Credit score tiers >720 (11.49%), 680-719 (11.99%), 650-679 (12.49%). |
| up to 36 months | 11.99%–12.99% | Model years 2020 - 2021; Non-auto deduct rate; Loan-to-Value 80%; Credit score tiers >720 (11.99%), 680-719 (12.49%), 650-679 (12.99%). |
| up to 36 months | 13.49%–14.49% | Model years 2018 - 2019; Auto deduct rate; Loan-to-Value 70%; Credit score tiers >720 (13.49%), 680-719 (13.99%), 650-679 (14.49%). |
| up to 36 months | 13.99%–14.99% | Model years 2018 - 2019; Non-auto deduct rate; Loan-to-Value 70%; Credit score tiers >720 (13.99%), 680-719 (14.49%), 650-679 (14.99%). |
New Auto Loans
QNB will finance between 80 - 100% of the sales price of a new vehicle with various loan repayment terms available. The rate on your new vehicle will be determined by the amount financed, loan term, and credit score. Customer will be responsible for encumbrance fee of $108.00. Vehicle value calculated on Sales Price, CarFax, or Book Retail value - whichever is Less.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 6.50%–8.75% | New - 2025 - 2026; Auto deduct rate; Loan-to-Value 80% - 100%; Credit score tiers >720 (6.50%), 680-719 (7.25%), 650-679 (8.75%). |
| up to 72 months | 7.00%–9.25% | New - 2025 - 2026; Non-auto deduct rate; Loan-to-Value 80% - 100%; Credit score tiers >720 (7.00%), 680-719 (7.75%), 650-679 (9.25%). |
Used Auto Loans
QNB will finance between 75 - 100% of the sales price or the KBB /NADA/CARFAX retail value, whichever is less. The rate on your used vehicle will be determined by the amount financed, loan term, year of vehicle, and credit score. Customer will be responsible for encumbrance fee of $108.00. Vehicle value calculated on Sales Price, CarFax, or Book Retail value - whichever is Less.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.50%–9.00% | Vehicle model years 2024 - 2025; Auto deduct rate; Loan-to-Value 80% - 100%; Credit score tiers >720 (6.50%), 680-719 (7.50%), 650-679 (9.00%). |
| up to 60 months | 7.00%–9.50% | Vehicle model years 2024 - 2025; Non-auto deduct rate; Loan-to-Value 80% - 100%; Credit score tiers >720 (7.00%), 680-719 (8.00%), 650-679 (9.50%). |
| up to 48 months | 7.50%–9.75% | Vehicle model years 2022 - 2023; Auto deduct rate; Loan-to-Value 80%; Credit score tiers >720 (7.50%), 680-719 (8.00%), 650-679 (9.75%). |
| up to 48 months | 8.00%–10.25% | Vehicle model years 2022 - 2023; Non-auto deduct rate; Loan-to-Value 80%; Credit score tiers >720 (8.00%), 680-719 (8.50%), 650-679 (10.25%). |
| up to 36 months | 8.50%–10.75% | Vehicle model years 2020 - 2021; Auto deduct rate; Loan-to-Value 80%; Credit score tiers >720 (8.50%), 680-719 (9.00%), 650-679 (10.75%). |
| up to 36 months | 9.00%–11.25% | Vehicle model years 2020 - 2021; Non-auto deduct rate; Loan-to-Value 80%; Credit score tiers >720 (9.00%), 680-719 (9.50%), 650-679 (11.25%). |
| up to 36 months | 9.50%–11.25% | Vehicle model years 2018 - 2019; Auto deduct rate; Loan-to-Value 75%; Credit score tiers >720 (9.50%), 680-719 (10.50%), 650-679 (11.25%). |
| up to 36 months | 10.00%–11.75% | Vehicle model years 2018 - 2019; Non-auto deduct rate; Loan-to-Value 75%; Credit score tiers >720 (10.00%), 680-719 (11.00%), 650-679 (11.75%). |
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.