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 151–165 of 231 in Pennsylvania · median 5.24% APR
- 5.50%APRas low as
Terms
Model year 2026 & 2025
Auto loan score 68 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - Glass Cap Federal Credit UnionNew Vehicle Loan (Includes Motorcycles) 2025 - 2026 · up to 60 months
Credit union · 1 branch
5.50%APRas low asTerms
For 2025 - 2026 vehicles (includes motorcycles). Quads add 2% to rate. Take .25% off posted rates if qualifying for the Advantage Club Discount.
Auto loan score 67 · Carrot Score 63
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 Auto-pay (Direct Deposit) discount. Requires maintaining a minimum $100 share balance.
Auto loan score 65 · Carrot Score 60
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 - 5.54%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Terms up to 63 months. Advertised fixed rate is as low as 5.54% APR and includes 0.25% autopay/direct deposit discount. Monthly payment per $1,000 is $18.33.
Auto loan score 68 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 5.59%APRas low as
Terms
2024 – 2026 Models
Auto loan score 71 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 5.64%APRas low as
Terms
Advertised as-low-as APR assumes excellent borrower credit history and is specific to VA. Advertised rate does not include additional BofA Rewards interest rate discount of 0.10% to 0.50%. Rate guaranteed for 30 days from application approval.
Auto loan score 66 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 5.69%APRas low aswith conditions
This rate needs autopay.
Terms
2023 Model Year and Newer. Minimum vehicle value $3,000. Rate increases by 0.25% APR if coupon payment method is used. Max APR 12.14%.
Auto loan score 71 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - Greater Pittsburgh Federal Credit UnionNew Automobile, Pickup, Van, & SUV · 49–60 months
Credit union · 7 branches
5.70%APRas low asTerms
Rates are as low as and based on credit score.
Auto loan score 68 · Carrot Score 62
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as · up to 17.99%
5.74% APR, up to 17.99%
Terms
Subsequent rate after 3-month promotional period for refinance loans. Rate determined based on credit history, model year, term, and location.
Auto loan score 69
Rate checked · Auto loans rates on its site
Rates and branches - Diamond Credit UnionNew / Used Auto Loan (Current model year and up to 5 years old) · up to 72 months
Credit union · 8 branches
5.74%APRas low asTerms
Current model year and up to 5 years old. Rates as low as.
Auto loan score 69 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Model years 2026-2025. Standard rate without relationship discount. With max relationship pricing discount (0.75%), rate is 4.99% APR.
Auto loan score 69 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as · up to 13.74%
5.74% APR, up to 13.74%
Terms
Model Years 2020 & Newer. Loan amount: $10,000+. Payment example: A loan at 5.74% APR would require 60 monthly payments of $19.21 per $1,000 borrowed.
Auto loan score 69 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as
Auto loan score 69 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as
Terms
Model years 2023 - 2026.
Auto loan score 69 · Carrot Score 87
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