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 106–120 of 231 in Pennsylvania · median 5.24% APR
- 5.00%APRas low as · up to 7.00%
5.00% APR, up to 7.00%
Auto loan score 75
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as · up to 14.75%
5.00% APR, up to 14.75%
Terms
Model year 2016 and newer. Credit score tiers: A (700-799) 5.0% to D (below 500) 14.75%. Tier A+ (800+) reduces A rate by 0.50% (not below 1.5%). Add 1.0% to all categories to increase term to 72 months; add 1.5% to all categories to increase term to 84 months. Add 0.50% for vehicles over 100,000 miles.
Auto loan score 73 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 5.02%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model Year 2024 – 2025. Credit score 700+ with automatic payment from UNB Bank deposit account (add 0.25% without auto-pay). Monthly payment example: $18.88 per $1,000 borrowed.
Auto loan score 72 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 5.04%APRas low as
Terms
Rates as low as 5.04% APR. New autos financed up to 84 months. Qualification based on creditworthiness and underwriting standards.
Auto loan score 81 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - Cross Valley Federal Credit UnionNew / Used Car, Truck, SUV Loan (2021 - 2026) · up to 60 months
Credit union · 6 branches
5.04%APRas low asAuto loan score 80 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.05%APRas low as · up to 11.05%
5.05% APR, up to 11.05%
Terms
Term: 5 years. FICO rate tiers: 730+ FICO is 5.05% APR; 690-729 FICO is 5.55% APR; 650-689 FICO is 7.05% APR; 610-649 FICO is 9.05% APR; <610 FICO is 11.05% APR.
Auto loan score 81 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - USX Federal Credit UnionNew and Used Vehicles (Model years 2026-2023) · 49–60 months
Credit union · 7 branches
5.09%APRas low asTerms
49 to 60 months. Standard Rate APR.
Auto loan score 75 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 5.10%APRas low as · up to 7.70%
5.10% APR, up to 7.70%
Terms
Credit rating tiers: A+ (5.10%), A (5.15%), B (5.45%), C (7.70%).
Auto loan score 77 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 5.10%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Loan amount Up to $25,000. Up to 125% of MSRP to include tax, tags, warranties and GAP. Rates include discounts for automatic payment and discounts under the Member Loyalty Program (total rate discounts cannot exceed 1.50%).
Auto loan score 76 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 5.15%APRas low as
Terms
As low as APR for terms 37 - 60 months. APR and loan approval based on creditworthiness, loan term, loan to value, and age of collateral. Refinancing of existing 1st Ed loans does not qualify.
Auto loan score 81 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Auto loan score 79 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Starting APR for 60-month term (New Auto/Motorcycle Loans 2025 and newer).
Auto loan score 79 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - Self Reliance Financial Federal Credit UnionNew Vehicle Loan · 49–66 months
Credit union · 4 branches
5.24%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As low as APR requires automatic monthly payment. 49 to 66 months.
Auto loan score 79 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Up to 75 months; minimum loan $10,000. APR as low as 5.24% for highly credit-qualified borrowers. Stated APR includes 0.25% autopay discount from a Sun East checking account. Same product applies to new or used vehicles.
Auto loan score 79 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
100% financing. Rates are as low as based on your FICO score.
Auto loan score 79
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