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 136–150 of 231 in Pennsylvania · median 5.24% APR
- 5.44%APRas low as
Terms
With qualifying credit.
Auto loan score 71 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Up to 60 Months. Rates as low as stated based on credit score.
Auto loan score 73 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Model Years 2025 - 2027
Auto loan score 73 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Model years 2025-2027.
Auto loan score 73 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
New vehicles. Rate is based on applicant creditworthiness.
Auto loan score 70 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Up to 100% (for those who qualify) of the sales price (INCLUDING tax, tags, etc.)
Auto loan score 70 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Model Year 2026+. Advertised as low as 5.49% APR. Subject to credit approval.
Auto loan score 70 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
As low as 5.49% APR*
Auto loan score 70 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Up to 63 Months. Rates as low as stated for members with payroll deduction or automatic payment (otherwise increased by 0.25%). Borrowers of promotional refinance or purchase offer will skip first two payment cycles and then make 63 consecutive monthly payments.
Auto loan score 69 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Financing up to 100% of purchase. Rates reflect all possible discounts. Rate based on loan term and creditworthiness.
Auto loan score 69 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
AUTOMOBILE & MOTORCYCLE NEW & Used (2024 & Newer). Disclosed APR with asterisk (*) represents lowest possible APR. Subject to credit approval.
Auto loan score 69 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Based on credit approval on select new vehicle loans.
Auto loan score 69 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
5 Year Payback. Up to 110% of Value.
Auto loan score 69 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Rate based on creditworthiness and term.
Auto loan score 68 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as
Terms
Base rate for A+ credit tier (score 700+, max debt ratio 35%).
Auto loan score 72 · Carrot Score 76
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