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 43 in Pennsylvania · median 6.99% APR
- 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
More details - 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
More details - 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 72 · Carrot Score 75
Rate checked · Auto loans rates on its site
More details - 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. Based on amount financed of $25,000 for 63 months for borrowers with excellent credit (scores of 740 and higher). Rate includes 0.25% auto pay discount from a Fidelity Bank checking account (rate is 0.25% higher without auto pay). Monthly payment $456.87. Vehicles must be titled in Pennsylvania.
Auto loan score 66 · Carrot Score 66
Rate checked · Auto loans rates on its site
More details - 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 64
Rate checked · Auto loans rates on its site
More details - 5.74%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Model year 2024. Loan amount $20,000. Available to well-qualified borrowers; includes a 0.25% discount with qualifying checking account. Not available to refinance existing Dollar Bank loans.
Auto loan score 66 · Carrot Score 71
Rate checked · Auto loans rates on its site
More details - 5.75%APRas low as · up to 14.27%
5.75% APR, up to 14.27%
Terms
Fixed APR range for new car loans; excellent credit required for lowest rates. APR may differ based on amount, term length, and credit profile. Loan amounts $3,500 to $400,000. Terms up to 84 months.
Auto loan score 69 · Carrot Score 61
Rate checked · Auto loans rates on its site
More details - 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
More details - 6.00%APRas low as
Terms
New/Used Car (2022-2026). Insurance Required - Purchase only - Closing costs charged.
Auto loan score 64 · Carrot Score 66
Rate checked · Auto loans rates on its site
More details - 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 66 · Carrot Score 87
Rate checked · Auto loans rates on its site
More details - 6.09%APRas low as
Terms
Based on 60 months and $45,000 financing amount with $0 down payment for online applicants with excellent credit ($870.81 monthly payment). Rate discount of 0.25% may be available for Chase customers maintaining an average daily combined balance of $150,000 or more across eligible accounts. May not include a $195 loan origination fee for Indiana applications.
Auto loan score 65 · Carrot Score 60
Rate checked · Auto loans rates on its site
More details - 6.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Payment per $1,000 is $19.56. Requires monthly payment auto-drafted from PennCrest BANK checking account.
Auto loan score 62 · Carrot Score 72
Rate checked · Auto loans rates on its site
More details - 6.50%APRas low as
Terms
Monthly payment per $1,000 is $19.56. Rates subject to change at anytime without notice.
Auto loan score 63 · Carrot Score 69
Rate checked · Auto loans rates on its site
More details - 6.50%APRas low as · up to 8.75%with conditions
6.50% APR, up to 8.75%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New - 2025 - 2026; Auto deduct rate; Loan-to-Value 80% - 100%; Credit score tiers >720 (6.50%), 680-719 (7.25%), 650-679 (8.75%).
Auto loan score 63 · Carrot Score 69
Rate checked · Auto loans rates on its site
More details - 6.60%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Applies to 2025-2026 models, up to 60 months. Purchase transactions through dealers only. Monthly payment per $1000 is $19.56. APR includes a .25% discount for automatic debit of the payment from an InFirst Bank deposit account. Document preparation fee of $25.00 applies. Actual APR may be higher based on credit.
Auto loan score 62 · Carrot Score 63
Rate checked · Auto loans rates on its site
More details
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
43 banks and credit unions · checked Oct 29–30
- Typical
- 6.99%
- Top 10% up to
- 5.66%
- Banks, typical
- 6.99%
How does your bank’s rate compare?
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Pennsylvania
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- APCI Federal Credit UnionCredit union · 1 branch
- Freedom Credit UnionCredit union · 4 branches
- Corner PostCredit union · 1 branch