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 46–60 of 231 in Pennsylvania · median 5.24% APR
- 4.50%APRas low as
Terms
Model Year: 2026 to 2025 (New Auto)
Auto loan score 87 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes a 0.25% rate discount for auto-debit from a SRU FCU share draft checking account on loans of $500.00 or more.
Auto loan score 87 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Rate as low as stated depending on credit score.
Auto loan score 86 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Term up to 5 years
Auto loan score 86 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - Erie Fire Fighters Federal Credit UnionSecured / NEWER auto-motorcycle loans · up to 72 months
Credit union · 1 branch
4.50%APRas low as · up to 14.00%4.50% APR, up to 14.00%
Terms
Rates vary by Credit Grade from A+ (800-850 FICO Classic 08, 4.50% APR) to E (539 and below, 14.00% APR). Maximum loan amount up to 100% of MSRP Value. Maximum term 72 months.
Auto loan score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Model years 2026, 2025. Lower interest rate for 48 & 60 month terms are only offered for New Vehicles with A+, A, & B scores. Rate based on credit worthiness. Rates listed are as low as.
Auto loan score 85 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Auto loan score 85 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - Fayette Federal Employees Federal Credit UnionNew Vehicle Loans · up to 60 months
Credit union · 1 branch
4.50%APRas low asTerms
Monthly payment of $18.65 per $1,000.
Auto loan score 83 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
APR as low as based on credit evaluation. Minimum loan amount $5,000. Maximum term up to 60 months (over $5,000).
Auto loan score 82 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.59%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
'As Low As' rates include Riegel FCU Autopay discount, when applicable.
Auto loan score 81 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 4.60%APRas low as
Terms
New vehicles and demos. A new vehicle is a current or prior year model with 5,000 or less miles. Sample monthly payment based on $30,000 at 4.69% APR for 48 months is $686.79.
Auto loan score 86 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.69%APRas low as
Terms
Rate is APR as low as based on creditworthiness and term of loan.
Auto loan score 88 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.69%APRas low as
Terms
As low as rate. Rate based on creditworthiness and term of loan.
Auto loan score 85 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
Rate shown for new or up to four years old auto or motorcycle, up to 60 months. Lowest current rate listed based on credit, collateral, and loan term.
Auto loan score 87 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
Vehicle age: 2024 & Newer. 0.25% reduction for Auto Transfer/Payroll Deduction.
Auto loan score 87 · Carrot Score 83
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