Compare Bank & Credit Union Rates
Best auto loan rates, new and used
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 1–15 of 72 in Philadelphia, PA-NJ-DE-MD metro · median 5.32% APR
- 3.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate reflects 0.25% discount for automatic payment from a GE Credit Union account. Rate determined by credit history and term.
Auto loan score 86 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.09%APRas low as · up to 13.14%with conditions
4.09% APR, up to 13.14%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes up to 0.90% discount. Rates based on creditworthiness and percentage down.
Auto loan score 92 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 4.29%APRas low as
Terms
As low as rate for 37-60 months on new vehicles (2025 and newer model years). Assumes excellent credit.
Auto loan score 88 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.39%APRas low aswith conditions
This rate needs autopay.
Terms
With Auto Pay Discount. Same rate on NEW or USED vehicles. As low as rate based on creditworthiness.
Auto loan score 89 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
For 2024-2026 Model Years. Rates as low as 4.49% APR. Same low rate for new or used vehicles.
Auto loan score 89 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New Auto & Motorcycles (2027-2025). Assume less than 90% LTV. Includes 0.25% discount for automatic payment from a TCAFCU account.
Auto loan score 81 · Carrot Score 82
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 - 4.74%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 - 4.89%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 - 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 - 4.99%APRas low as
Terms
Advertised 'as low as' APR is determined by risk-based lending and credit scoring. Exact APR determined upon application and credit review. Rates and fees subject to change at any time.
Auto loan score 83 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - Franklin Mint Federal Credit UnionAuto Loans – 2024-2027 Model Year · 1–72 months
Credit union · 17 branches
4.99%APRas low asTerms
Tier 1 credit rate. Estimated monthly payment is $16.11 per $1,000 borrowed for 72 months.
Auto loan score 83 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Subject to credit approval; payment per $1,000 borrowed is $18.87. Payment example: A $20,000 loan at 4.99% APR with a term of 5-years would result in 60 monthly payments of $377.33.
Auto loan score 83 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
As low as; for qualified buyer.
Auto loan score 83 · Carrot Score 70
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 Philadelphia, PA-NJ-DE-MD metro
72 banks and credit unions · checked Oct 16–22
- Typical
- 5.32%
- Top 10% up to
- 4.60%
- Banks, typical
- 6.75%
- Credit unions, typical
- 5.24%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Philadelphia, PA-NJ-DE-MD metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Freedom Credit UnionCredit union · 4 branches
- HEFCUCredit union · 1 branch
- Self Reliance Financial Federal Credit UnionCredit union · 4 branches