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 121–135 of 231 in Pennsylvania · median 5.24% APR
- 5.24%APRas low as
Terms
APR as low as 5.24%. Terms from 3 to 7 years (36 to 84 months). Up to 100% of purchase price plus tax & tags. Auto loans may include tax, tags, GAP & warranty, if applicable.
Auto loan score 75 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Bright Auto Loans promotional rate includes a 0.25% discount off approved rate. Promotion Period: 4/7/2026–9/30/2026. Applies only to new/used auto purchases and/or refinances from other institutions.
Auto loan score 75 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Only on $25,000 or more.
Auto loan score 73 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - Heritage Financial Credit UnionTier 1 Auto (Model Years 2024-Present) · up to 84 months
Credit union · 2 branches
5.24%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Fixed APR as low as 5.24%. Includes 0.50% discount for automatic payments. Maximum term is 84 months.
Auto loan score 71 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
As low as 5.25% APR.
Auto loan score 77 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
As low as rate for well qualified borrowers.
Auto loan score 77 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Auto loan score 77 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - Wyoming Valley Educational Employees Federal Credit UnionVehicle Loans · up to 60 months
Credit union · 3 branches
5.25%APRas low asTerms
2027, 2026 (with mileage under 20,000). Maximum loan: Credit score under 650: 95% of vehicle selling price before manufacturer rebates (new) or 95% of NADA retail value (used); Credit score 650-699: 100% of vehicle selling price before manufacturer rebates (new) or 95% of NADA retail value (used); Credit score 700+: 100% of total out-the-door price (new) or 100% of NADA retail value (used).
Auto loan score 77 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
New Vehicles 2025 – 2026
Auto loan score 72 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
New Loans Only. $35,000 minimum, $70,000 maximum.
Auto loan score 71 · Carrot Score 61
Rate checked · Auto loans rates on its site
Rates and branches - 5.29%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Tier 1 rate. Includes 1.00% discount for automatic payments. Up to 130% NADA Retail Value for Tiers A-C, up to 110% for Tier D.
Auto loan score 76 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.29%APRas low as
Terms
Payment example: $20.50 per $1,000 borrowed with Payment Protection.
Auto loan score 76 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 5.34%APRas low as · up to 20.69%with conditions
5.34% APR, up to 20.69%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Available to well-qualified applicants. Includes a 0.25% discount for automated payment from a PNC checking account set up at loan closing; rate increases 0.25% if automated payment is discontinued. Available for 2018-2027 model year non-commercial vehicles with up to 80,000 miles (up to 100,000 miles based on credit qualifications).
Auto loan score 71 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 5.39%APRas low as
Terms
Model year 2024-2026
Auto loan score 76 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 5.42%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New/Used Cars 2024 & Above. Stated rate/APR for excellent credit with auto-pay from a Fidelity Bank checking account; payment example based on $25,000 financed. Single advertised APR is not a maximum; actual APR varies with credit history, product, term, loan amount, and finance charges. Consumer loans subject to $75 document preparation fee and $30.80 credit report fee.
Auto loan score 69 · Carrot Score 65
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