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 196–210 of 231 in Pennsylvania · median 5.24% APR
- 6.50%APRas low as · up to 8.75%with conditions
6.50% APR, up to 8.75%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New - 2025 - 2026; Auto deduct rate; Loan-to-Value 80% - 100%; Credit score tiers >720 (6.50%), 680-719 (7.25%), 650-679 (8.75%).
Auto loan score 63 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 6.50%APRas low as
Terms
Monthly payment per $1,000 is $19.56. Rates subject to change at anytime without notice.
Auto loan score 62 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 6.50%APRas low as
Terms
Automobiles (2026)
Auto loan score 62 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 6.54%APRas low as
Terms
New Only. Best fixed rate on approved credit.
Auto loan score 62 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 6.55%APRas low as
Terms
For model years 2025-2027; term 49-60 months.
Auto loan score 63 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 6.60%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Applies to 2025–2026 model year new auto loans for terms up to 60 months. Purchase transactions through dealers only. APR includes 0.25% auto-debit discount from an InFirst Bank deposit account.
Auto loan score 62 · Carrot Score 62
Rate checked · Auto loans rates on its site
Rates and branches - 6.74%APRas low as
Auto loan score 63 · Carrot Score 60
Rate checked · Auto loans rates on its site
Rates and branches - 6.74%APRas low as
Terms
As low as APR for applicants with credit scores 735 or higher; based on vehicle model year and mileage. Up to 100% financing. Term up to 63 months.
Auto loan score 63 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 6.75%APRas low as
Terms
New vehicles; term up to 84 months.
Auto loan score 62 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 6.75%APRas low as
Terms
2024 model or newer and fewer than 500 miles. Maximum amount $50,000. APR as low as stated.
Auto loan score 62 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 6.75%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
P&I Payment / $1,000 is $19.68. 1/2% rate reduction with autopay from County Savings Bank checking account.
Auto loan score 61 · Carrot Score 63
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 - 6.87%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New Vehicle - term of 60 months. Auto debit required from a Commercial Bank & Trust of PA account to receive the APR shown above. Motor Vehicle Loan APR based on loan amount of $20,000.
Auto loan score 61 · 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 - 6.99%APRas low as
Terms
Payment is $19.80 per $1,000 borrowed based on stated rate and term.
Auto loan score 61 · Carrot Score 89
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