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 226–231 of 231 in Pennsylvania · median 5.24% APR
- 8.13%APRas low as
Terms
Term range: 12-60 months. Eligible for a 0.250% preferred rate reduction with automatic payment deducted from a checking or savings account at Unity Bank.
Auto loan score 60 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 8.19%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Maximum term 60 months. Monthly payment per $1,000 borrowed is $20.37.
Auto loan score 60 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 8.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New (Up to 72 Months). Monthly payment per $1,000 is $17.66 at 72 months. Rate includes a 0.25% discount for automatic payment withdrawal from Neffs National Bank checking or savings account. Removal of automatic payment withdrawal will increase the rate by 0.25%. Insurance may be required.
Auto loan score 60 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 9.25%APRas low as
Terms
5-Year Fixed. Model Years 2025 & 2026. Estimated payment $520.48 based on $25,000 loan amount.
Auto loan score 60 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 9.38%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Stated rates require auto draft from an MCS Bank checking account. No down payment required. Rates and APR subject to underwriting; rate and term offered may be less favorable due to credit history and other factors.
Auto loan score 60 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - 11.50%APRas low as
Terms
As low as rate.
Auto loan score 60 · Carrot Score 64
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