Credit union · NCUA insured
West Penn P&P FCU Auto Loan Rates
West Penn P&P FCU auto loans start at 5.75% APR for a new vehicle and 7.00% for a used one. Rates checked October 16, 2026.
How West Penn P&P FCU’s auto loan rates compare
Compared with banks and credit unions near Pittsburgh, PA, where West Penn P&P FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
West Penn P&P FCU
5.75%APR
- Terms
- up to 60 months
- Discount
- None included
New Cars
Lowest rate
Western PA FCU
3.64%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
2nd-lowest rate
FirstEnergy Choice FCU
1.99%APR
- Terms
- 37–72 months
- Discount
- Included in the rate
West Penn P&P FCU auto loan score
65
Auto loan score
Higher than 14% of U.S. banks and credit unions
- New vehicleNew5.75%
- Used vehicleUsed7.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where West Penn P&P FCU 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.
New Cars
Intended for the purchase of new automobiles, vans, and trucks not previously registered. Prior year vehicles meeting criteria may be refinanced as new. Credit union membership required.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.75% | 2024-2025 model year; Finance 80% Retail; Up to 48 months |
| up to 60 months | 5.75% | 2024-2025 model year; Finance 80% Retail; Up to 60 months |
| up to 72 months | 6.00% | 2024-2025 model year; Finance 80% Retail; Up to 72 months exceeding $17,000 |
| up to 84 months | 7.00% | 2024-2025 model year; Finance 80% Retail; Up to 84 months exceeding $30,000 |
| up to 48 months | 5.00% | 2024-2025 model year; Finance 100% Retail; Up to 48 months |
| up to 60 months | 6.00% | 2024-2025 model year; Finance 100% Retail; Up to 60 months |
| up to 72 months | 6.75% | 2024-2025 model year; Finance 100% Retail; Up to 72 months exceeding $17,000 |
| up to 84 months | 7.50% | 2024-2025 model year; Finance 100% Retail; Up to 84 months exceeding $30,000 |
Used Cars
Intended for the purchase of Automobiles, Vans, and Trucks. Financing up to purchase price or up to 100% of retail value in NADA guide, whichever is less. Credit union membership required.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.00% | 2022-2023 model years; Not to Exceed 100% of Retail Value; Up to 60 months |
| up to 72 months | 7.50% | 2022-2023 model years; Not to Exceed 100% of Retail Value; Up to 72 months exceeding $20,000 |
| up to 60 months | 8.00% | 2018 - 2021 model years; Not to exceed 100% of Retail Value; Up to 60 months |
| up to 36 months | 8.50% | 2017 -older models; Not to exceed 100% of Retail Value; Up to 36 months |
| up to 48 months | 9.00% | 2017 -older models; Not to exceed 100% of Retail Value; Up to 48 months exceeding $9,000 |
Who can join West Penn P&P FCU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.