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 91–105 of 231 in Pennsylvania · median 5.24% APR
- 4.99%APRas low as
Terms
Vehicle must have less than 20,000 miles.
Auto loan score 78 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rates as low as APR assumes excellent creditworthiness. Overall product APR ranges from 4.500% to 15.490%. Pre-Approval effective for 30 days once the loan is approved. No other loan discounts apply. Other rates and terms available.
Auto loan score 78 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Auto loan score 78 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - Merck Sharp & Dohme Federal Credit UnionNew & Used Vehicle Loans · up to 60 months
Credit union · 7 branches
4.99%APRas low asTerms
As low as 4.99% APR for terms up to 60 months. Qualifying used vehicles model years 2019-2026. Subject to credit review. My Advantage discount does not apply. Estimated payment per $1,000 borrowed at 4.99% APR is $18.87 for 60 months.
Auto loan score 77 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - PENNSYLVANIA-AMERICAN WATERNEW OR USED VEHICLE LOANS (2024-2026) · up to 60 months
Credit union · 1 branch
4.99%APRas low as · up to 12.99%4.99% APR, up to 12.99%
Auto loan score 77 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
APR as low as. Finance up to 100% of the purchase price. Pre-approval available. Copy of purchase invoice and proof of insurance required.
Auto loan score 76 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes 0.25% discount for automatic deduction of payment from a Top Tier FCU deposit account. Up to 110% financing.
Auto loan score 73 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
Auto loan score 82 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate as low as 5.00% APR on new or used vehicles when coupled with automatic payment discount.
Auto loan score 82 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Auto loan score 81 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Up to 60 Months term. Rate includes 1.00% rate reduction for Credit Disability and Credit Life Insurance purchase and qualifying electronic/payroll payment method.
Auto loan score 77 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Amount available up to 100% of MSRP, Tax, Title, Tags. Lowest available APR based on creditworthiness; reflects 0.25% discount with automated payment from active Hershey FCU Share Draft or Regular Share Account. Available on new loans only.
Auto loan score 77 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - Switch Federal Credit UnionCar, Truck, and Van Loans (NEW 2025, 2026) · up to 84 months
Credit union · 1 branch
5.00%APRas low asTerms
up to 84 month term. Call for other rates & terms.
Auto loan score 77 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Monthly payment is $18.91 per $1,000 based on maximum term of 60 months. Subject to credit approval. Reduced rate with automatic payment from a FKCB checking account.
Auto loan score 75 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
2026-2027 year models
Auto loan score 75 · Carrot Score 86
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