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 61–75 of 231 in Pennsylvania · median 5.24% APR
- 4.74%APRas low as
Terms
Rates, amount, and term based on credit score.
Auto loan score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as · up to 10.25%
4.75% APR, up to 10.25%
Terms
Depends on credit score.
Auto loan score 87 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
Limited time loan special for new vehicle purchases or refinancing.
Auto loan score 87 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
Rate is advertised as low as 4.75% APR for new & used auto loans.
Auto loan score 87 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Term up to 5 and 6 years
Auto loan score 87 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
Loan rates listed are 'as low as' rates; final rate may be higher depending on creditworthiness and debt-to-income ratio. Other rates and terms are available. Promotional rates and offers may change/end without notice.
Auto loan score 85 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - IBEW Local 56 Federal Credit UnionNew Vehicle Loans - All Automobiles, Trucks, Motorcycles and Motor Homes (2024 Model Year and Newer) · up to 60 months
Credit union · 1 branch
4.75%APRas low asAuto loan score 82 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - Lancaster Red Rose Credit UnionNew & Used Auto Loans (2020 and Newer) · up to 60 months
Credit union · 4 branches
4.75%APRas low asTerms
FICO Score: 750+
Auto loan score 82 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model years 2024-2027. Terms to 84 months. Includes 0.25% autopay/batch transfer discount.
Auto loan score 77 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.84%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
For model year 2017 and newer. Sample monthly payment is $18.80 per $1,000 borrowed.
Auto loan score 86 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.89%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates include a 0.50% rate discount for automatic payments out of a PALCO FCU deposit account. Maximum mileage: 75,000 for gas engines and 100,000 for diesel engines.
Auto loan score 86 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.89%APRas low as
Terms
Tier 1: credit score 710+
Auto loan score 85 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.89%APRas low as
Terms
Advertised rate for "AA" credit. Monthly payment $18.83 per $1,000 borrowed. Loans up to 100% of NADA value.
Auto loan score 78 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - P&G Mehoopany Employees Federal Credit UnionNew and Used Auto Loan · up to 96 months
Credit union · 4 branches
4.90%APRas low as · up to 17.50%4.90% APR, up to 17.50%
Terms
Payment Example: A 60 month new-used auto loan with a 5.50% fixed APR would have monthly payments of $19.11 per $1,000 borrowed.
Auto loan score 86 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rates are as low as; individual rates are based on credit performance. Will finance up to 95% of NADA retail value.
Auto loan score 83 · Carrot Score 88
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