Compare Bank & Credit Union Rates
Best auto loan rates in Pennsylvania
Compare the lowest advertised APRs for new and used vehicle loans from banks and credit unions, with terms, conditions and original sources.
Top new-car loan rates
Showing 1–15 of 231 in Pennsylvania · median 5.24% APR
- 3.50%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate as low as disclosed applies when automatic payment from the PSFCU Checking Account is selected; rates are 0.25% higher without automatic payment. The rate you receive will be based upon your credit history, collateral, and loan character.
Auto loan score 93 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 3.64%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
With Evergreen Advantage Program discount (up to 1.00% total off for E-Statements, Full Direct Deposit, Checking Account, Western PA Visa Credit Card).
Auto loan score 95 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 3.70%APRas low as
Terms
Current promotion for qualified borrowers. Vehicle must be 2024 or newer with no more than 1,000 miles. Fixed APR of 3.70% with monthly payments of $18.28 per $1,000 borrowed. Proof of income required at funding.
Auto loan score 94 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 3.84%APRas low as
Terms
Rates as low as stated APR. Assumes excellent credit. In partnership with TrueCar.
Auto loan score 91 · Carrot Score 96
Rate checked · Auto loans rates on its site
Rates and branches - 1.99%APRas low aswith conditionsunusually low · being checked
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model Year 2019 and newer. Term over 3 years, up to 6 years. Reflects 0.50% APR discount for direct deposit payment.
Auto loan score 94 · Carrot Score 96
Rate checked · Auto loans rates on its site
Rates and branches - 2.75%APRas low asunusually low · being checked
Terms
Available for $35,000+ loans on current model year; fixed rate
Auto loan score 94
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As low as rate based on credit score, best rate available for 36 Months. Rates increase based on term, score, and LTV. Up to 125% of MSRP including tax, tags, warranties, and GAP Insurance. Assumes direct deposit re-payment (add 0.25% without direct deposit or auto transfer).
Auto loan score 94 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Terms
Model Year: 2025 - 2027
Auto loan score 94 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Terms
PROMO: MORE HOLIDAY JOY. LESS HOLIDAY STRESS. Valid on new vehicles defined as 2026-2027 and never been titled. Minimum loan amount $20,000. 700 credit score and above. Maximum LTV 115%. Offers are for dealer purchases only (no private sales) and limited to 2024 or newer makes/models. No payments for up to first 90 days (interest will accrue). Cannot be combined with any other offer other than the First Capital StarRewards® 3-star discount. Promotion may be withdrawn at any time. Effective October 1 – December 31, 2026.
Auto loan score 93 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Terms
Model Years 2024-2026
Auto loan score 93 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate reflects 0.25% discount for automatic payment from a GE Credit Union account. Rate determined by credit history and term.
Auto loan score 86 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.00%APRas low as
Terms
Maximum Age of Vehicle: 10 Years; Maximum Mileage: 150,000; Maximum Loan to Value (LTV): 125% *; Payment per $1,000 Borrowed: $18.42 **; FLAT-RATE AUTO LOAN SPECIAL UNTIL 10/31/2026
Auto loan score 94 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.00%APRas low as · up to 10.75%
4.00% APR, up to 10.75%
Auto loan score 92 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 4.00%APRas low as · up to 10.25%
4.00% APR, up to 10.25%
Terms
Zero Down Payment. Performance based lending rates apply.
Auto loan score 92 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 4.09%APRas low as · up to 13.14%with conditions
4.09% APR, up to 13.14%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes up to 0.90% discount. Rates based on creditworthiness and percentage down.
Auto loan score 92 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches
Each institution’s lowest advertised APR for the vehicle, at terms that reach 60 months: usually its best-credit rate, so yours depends on your credit, the term and the vehicle. A rate that needs autopay, a checking account or similar says “with conditions”; More filters can leave those out. Refinance, lease buyout, recreational and promotional rates that have ended are left out, and a rate far below what other lenders advertise is listed lower down until it’s checked. Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates. How we rank
What new auto loans cost in Pennsylvania
231 banks and credit unions · checked Oct 16–22
- Typical
- 5.24%
- Top 10% up to
- 4.29%
- Banks, typical
- 6.99%
- Credit unions, typical
- 4.99%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Pennsylvania
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Americo FCUCredit union · 2 branches
- FirstEnergy Choice FCUCredit union · 1 branch
- PenFed Credit UnionCredit union · 1 branch