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 16–30 of 231 in Pennsylvania · median 5.24% APR
- 4.24%APRas low as
Auto loan score 93 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - Pittsburgh City Hall Employees Federal Credit UnionCar Loans · up to 60 months
Credit union · 1 branch
4.24%APRas low asTerms
Model Year Range: 2026 & 2025.
Auto loan score 93 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - High Point Federal Credit UnionWinter Auto Purchase Special · up to 72 months
Credit union · 1 branch
4.24%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Valid on approved purchase loans for credit scores of 680 or better, LTV of 105% or less (excluding warranty), vehicle age of 2020 or newer and 72 month term or less. Paperless payment required. Rate includes 0.25% discount for auto transfer of payment. Offer valid 11/29/24 – 12/31/24.
Auto loan score 89 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Good for new or used vehicles, purchase or refinance. Includes a 0.50% rate discount for automatic payments from an active WBVFCU account and direct deposit. Minimum of $2,500 in new money if using to refinance a WBVFCU loan. Offer ends November 15, 2026. Payment example: 4.24% APR for 72 months = $15.75 per $1,000.
Auto loan score 89 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Terms
2024 & newer
Auto loan score 92 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as · up to 14.25%
4.25% APR, up to 14.25%
Terms
Rate range varies by credit/conditions; subject to change without prior notice.
Auto loan score 89 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Terms
2026 (or) 2025 (Never Titled). Add .5% for 72 months for qualifying vehicles; add 1.00% for 84 months for qualifying vehicles.
Auto loan score 87 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Terms
New 2026-2025 models; 100% financing (New). Certain restrictions may apply.
Auto loan score 87 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.29%APRas low as
Terms
Vehicle model year: 2024-2026
Auto loan score 88 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.29%APRas low as
Terms
As low as rate for 37-60 months on new vehicles (2025 and newer model years). Assumes excellent credit.
Auto loan score 88 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.35%APRas low as
Auto loan score 89 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 4.39%APRas low aswith conditions
This rate needs autopay.
Terms
With Auto Pay Discount. Same rate on NEW or USED vehicles. As low as rate based on creditworthiness.
Auto loan score 89 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.39%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates as low as 4.39% APR with terms up to 84 months. Rate includes a 0.25% discount for Auto Pay / auto deduct from a Choice One share or share draft account. Up to 110% financing on vehicles.
Auto loan score 88 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
Lowest possible APR disclosed. A .25% discount off qualifying APR available with auto payment enrollment (minimum rate 4.49% APR).
Auto loan score 89 · Carrot Score 98
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
For 2024-2026 Model Years. Rates as low as 4.49% APR. Same low rate for new or used vehicles.
Auto loan score 89 · Carrot Score 95
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