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 46–60 of 72 in Philadelphia, PA-NJ-DE-MD metro · median 5.32% APR
- 5.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate reflects a 0.25% discount for direct deposit/payroll deduction of loan payments. Monthly payment is $19.10 per $1,000 borrowed.
Auto loan score 69 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Reduced APR as low as 5.49% requires Automatic Payment scheduled from a Priority Plus FCU Checking Account. Financing up to 100% MSRP for qualified members.
Auto loan score 69 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as · up to 17.75%
5.50% APR, up to 17.75%
Terms
Rates based on credit history/score. Preferred borrower rates apply. Offer not available for existing American Spirit FCU Auto Loans.
Auto loan score 72 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.53%APRas low as
Terms
Rates and payment examples assume excellent borrower credit history, a 60-month term and an LTV of 90% or less. Rate applies to loan amounts up to $100,000 (minimum loan amount $3,750). Terms up to 96 months and borrowing up to 115% LTV are available at higher rates based on creditworthiness. $20,000 minimum amount financed required for terms of 85-96 months. Optional payment deferral allows interest to accrue during 90-day period.
Auto loan score 68 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 5.54%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Terms up to 63 months. Advertised fixed rate is as low as 5.54% APR and includes 0.25% autopay/direct deposit discount. Monthly payment per $1,000 is $18.33.
Auto loan score 68 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 5.64%APRas low as
Terms
Advertised as-low-as APR assumes excellent borrower credit history and is specific to VA. Advertised rate does not include additional BofA Rewards interest rate discount of 0.10% to 0.50%. Rate guaranteed for 30 days from application approval.
Auto loan score 66 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - Diamond Credit UnionNew / Used Auto Loan (Current model year and up to 5 years old) · up to 72 months
Credit union · 3 branches
5.74%APRas low asTerms
Current model year and up to 5 years old. Rates as low as.
Auto loan score 69 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as
Terms
Up to 60 months. 120% NADA on 2016 and newer models.
Auto loan score 67 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as
Auto loan score 66
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as
Terms
Model year 2026-2022.
Auto loan score 68 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.79%APRas low as · up to 8.04%
5.79% APR, up to 8.04%
Terms
2027, 2026, and 2025 Model Vehicles. Monthly payment $18.45 - $19.51 per $1,000. Stated APR depends on credit score.
Auto loan score 68 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 5.79%APRas low as
Terms
Model Year 2027 – 2024
Auto loan score 68 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Base rate 6.49% with discounts: credit score >= 700, automatic payment deduction from an ENB deposit account, max loan amount $100,000. Max LTV 100%, min down 0%.
Auto loan score 63 · Carrot Score 61
Rate checked · Auto loans rates on its site
Rates and branches - 6.00%APRas low aswith conditions
This rate needs autopay.
Terms
Credit score 700 and above. Payment per $1,000 monthly is $16.57.
Auto loan score 63 · Carrot Score 61
Rate checked · Auto loans rates on its site
Rates and branches - 6.04%APRas low as
Terms
Model years 2026–2025; term up to 63 months. Stated APR/interest rate based on credit score 720 or above; other rates and terms also available. APR and payment examples based on a $10,000 loan with a $50 documentation prep fee using the greater term for the product. Up to 125% financing.
Auto loan score 65 · Carrot Score 87
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