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 166–180 of 231 in Pennsylvania · median 5.24% APR
- 5.74%APRas low as
Terms
Model Year 2027, 7,500 miles or less. APR as low as. Rates based on evaluation of applicant credit.
Auto loan score 67 · Carrot Score 62
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as
Terms
Up to 60 months. 120% NADA on 2016 and newer models.
Auto loan score 67 · Carrot Score 80
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 year 2024. Loan amount $20,000. Available to well-qualified borrowers; includes a 0.25% discount with qualifying checking account. Not available to refinance existing Dollar Bank loans.
Auto loan score 66 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - First Heritage Federal Credit UnionNew Vehicle 2023 - Newer · up to 66 months
Credit union · 2 branches
5.74%APRas low asAuto loan score 66 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as
Terms
For 2024 and newer model year vehicles.
Auto loan score 66 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as
Terms
Model year 2026-2022.
Auto loan score 68 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as · up to 18.75%
5.75% APR, up to 18.75%
Terms
60 Months; minimum APR requires Silver credit tier (729 - 670), maximum APR for Quartz credit tier (569 and under). Financing up to 100% (10% for Quartz).
Auto loan score 68 · Carrot Score 61
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as
Terms
0% down payment required
Auto loan score 65 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as
Terms
2024-2025 model year; Finance 80% Retail; Up to 60 months
Auto loan score 65 · Carrot Score 63
Rate checked · Auto loans rates on its site
Rates and branches - 5.79%APRas low as · up to 8.04%
5.79% APR, up to 8.04%
Terms
2027, 2026, and 2025 Model Vehicles. Monthly payment $18.45 - $19.51 per $1,000. Stated APR depends on credit score.
Auto loan score 68 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 5.79%APRas low as
Terms
Model Year 2027 – 2024
Auto loan score 68 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - Century Heritage Federal Credit UnionNew Vehicle Loans (2027-2026) · up to 60 months
Credit union · 6 branches
5.79%APRas low aswith conditionsThis rate needs autopay.
Auto loan score 66 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 5.89%APRas low as
Terms
Payment example per $1,000 borrowed is $19.29. Minimum amount financed for a 60 month term is $10,000. As low as rate based on credit score.
Auto loan score 68 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 5.95%APRas low as
Terms
Payment is $19.31 per $1,000 borrowed for full term.
Auto loan score 64 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model Year 2026 – 2027 (New Vehicles). Must be current or prior year model and must not have been previously titled. Selling price must be $20,000 or greater. Tax, title, tags and optional products. Max LTV is 125% MSRP. Based on 'A+' credit and requires autopay.
Auto loan score 85 · 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 16–23
- 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