Compare Bank & Credit Union Rates
Best auto loan rates in Wilkes-Barre, 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 1–8 of 8 in Wilkes-Barre, PA · median 5.23% APR
- 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 - 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 - 4.39%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates as low as 4.39% APR with terms up to 84 months. Rate includes a 0.25% discount for Auto Pay / auto deduct from a Choice One share or share draft account. Up to 110% financing on vehicles.
Auto loan score 88 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - Cross Valley Federal Credit UnionNew / Used Car, Truck, SUV Loan (2021 - 2026) · up to 60 months
Credit union · 1 branch
5.04%APRas low asAuto loan score 80 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.42%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New/Used Cars 2024 & Above. Stated rate/APR for excellent credit with auto-pay from a Fidelity Bank checking account; payment example based on $25,000 financed. Single advertised APR is not a maximum; actual APR varies with credit history, product, term, loan amount, and finance charges. Consumer loans subject to $75 document preparation fee and $30.80 credit report fee.
Auto loan score 69 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 6.04%APRas low as
Terms
Model years 2026–2025; term up to 63 months. Stated APR/interest rate based on credit score 720 or above; other rates and terms also available. APR and payment examples based on a $10,000 loan with a $50 documentation prep fee using the greater term for the product. Up to 125% financing.
Auto loan score 65 · Carrot Score 87
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 - 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
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 Wilkes-Barre, PA
8 banks and credit unions · checked Oct 16
- Typical
- 5.23%
- Top 10% up to
- 4.00%
- Banks, typical
- 6.14%
- Credit unions, typical
- 4.20%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Scranton, PA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- PenFed Credit UnionCredit union · 1 branch
- Corner PostCredit union · 1 branch
- CityMark FCUCredit union · 6 branches