Compare Bank & Credit Union Rates
Best auto loan rates in State College, PA
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 1–11 of 11 in Centre County, PA · median 6.24% APR
- 4.99%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Best APR reflecting up to 1.50% Loyalty Rewards discount.
Auto loan score 83 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rates as low as APR assumes excellent creditworthiness. Overall product APR ranges from 4.500% to 15.490%. Pre-Approval effective for 30 days once the loan is approved. No other loan discounts apply. Other rates and terms available.
Auto loan score 78 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 5.34%APRas low as · up to 20.69%with conditions
5.34% APR, up to 20.69%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Available to well-qualified applicants. Includes a 0.25% discount for automated payment from a PNC checking account set up at loan closing; rate increases 0.25% if automated payment is discontinued. Available for 2018-2027 model year non-commercial vehicles with up to 80,000 miles (up to 100,000 miles based on credit qualifications).
Auto loan score 71 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate includes a 1.00% rate discount for automatic payments out of an active Horizon checking account. Advertised rate can vary based on creditworthiness, loan-to-value, terms of loan and relationship with credit union.
Auto loan score 63 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 6.24%APRas low as
Terms
Based on 60 months and $45,000 financing amount with $0 down payment for online applicants with excellent credit. Rate discount of 0.25% may be available for Chase customers maintaining an average daily combined balance of $150,000 or more across eligible accounts.
Auto loan score 64 · Carrot Score 60
Rate checked · Auto loans rates on its site
Rates and branches - Arize Federal Credit UnionNew Vehicles — 2026, 2025 & New 2024 · up to 60 months
Credit union · 2 branches
6.24%APRas low as · up to 18.00%6.24% APR, up to 18.00%
Terms
Rates based on creditworthiness. Minimum loan amount is $5,000. For LTV > 100% up to 110%, add 0.50 percentage points.
Auto loan score 63 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 6.79%APRas low as · up to 15.69%with conditions
6.79% APR, up to 15.69%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
To qualify for the lowest APR available (6.79%): term must be 48 months or less; collateral model year must be 2025 or newer; must have or open an M&T MyChoice Premium or Power Checking account at time of application; and automatic payment deductions from any M&T checking account must be established. Terms up to 84 months available.
Auto loan score 62 · Carrot Score 60
Rate checked · Auto loans rates on its site
Rates and branches - 6.92%APRas low as
Terms
Brand New, Previously Untitled vehicles. Maximum term 72 months. Estimated monthly payment $170.11 based on a $10,000 loan amount. A 0.25% discount is available for automatic debit from an AmeriServ deposit account.
Auto loan score 61 · Carrot Score 62
Rate checked · Auto loans rates on its site
Rates and branches - 7.34%APRas low as · up to 13.59%with conditions
7.34% APR, up to 13.59%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
For new and used 1-3 year old automobiles not exceeding 125% LTV. Minimum loan amount $2,500.
Auto loan score 61 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 7.66%APRas low as
Terms
Example rate based on a $29,000 loan amount with a $1,000 down payment. Assumes borrower has excellent credit (credit score of 740 or higher).
Auto loan score 60 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - 9.25%APRas low as
Terms
5-Year Fixed. Model Years 2025 & 2026. Estimated payment $520.48 based on $25,000 loan amount.
Auto loan score 60 · Carrot Score 66
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 Centre County, PA
11 banks and credit unions · checked Oct 16–22
- Typical
- 6.24%
- Top 10% up to
- 4.99%
- Banks, typical
- 6.92%
- Credit unions, typical
- 5.24%
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