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 16–30 of 43 in Pennsylvania · median 6.99% APR
- 6.74%APRas low as
Auto loan score 63 · Carrot Score 60
Rate checked · Auto loans rates on its site
More details - 6.75%APRas low as
Terms
New vehicles; term up to 84 months.
Auto loan score 62 · Carrot Score 68
Rate checked · Auto loans rates on its site
More details - 6.75%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
P&I Payment / $1,000 is $19.68. 1/2% rate reduction with autopay from County Savings Bank checking account.
Auto loan score 61 · Carrot Score 65
Rate checked · Auto loans rates on its site
More details - 6.79%APRas low as · up to 15.69%with conditions
6.79% APR, up to 15.69%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
To qualify for the lowest APR available (6.79%): term must be 48 months or less; collateral model year must be 2025 or newer; must have or open an M&T MyChoice Premium or Power Checking account at time of application; and automatic payment deductions from any M&T checking account must be established. Terms up to 84 months available.
Auto loan score 62 · Carrot Score 60
Rate checked · Auto loans rates on its site
More details - 6.80%APRas low as
Terms
Rates as of 10/26/2026. Repayment schedules and rates may vary based on creditworthiness.
Auto loan score 61 · Carrot Score 64
Rate checked · Auto loans rates on its site
More details - 6.87%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New Vehicle - term of 60 months. Auto debit required from a Commercial Bank & Trust of PA account to receive the APR shown above. Motor Vehicle Loan APR based on loan amount of $20,000.
Auto loan score 61 · Carrot Score 60
Rate checked · Auto loans rates on its site
More details - 6.99%APRas low as
Terms
Payment is $19.80 per $1,000 borrowed based on stated rate and term.
Auto loan score 61 · Carrot Score 91
Rate checked · Auto loans rates on its site
More details - 7.00%APRas low as
Auto loan score 61 · Carrot Score 61
Rate checked · Auto loans rates on its site
More details - 7.00%APRas low as
Terms
Model Year: 2025 to 2026. Monthly payment amounts and APR are based on a loan amount of $25,000.00 and minimum credit score of 661.
Auto loan score 62 · Carrot Score 85
Rate checked · Auto loans rates on its site
More details - 7.17%APRas low as
Terms
Brand New, Previously Untitled vehicles. APR and estimated monthly payment based on a $10,000 loan amount. 0.25% discount available for automatic debit from an AmeriServ deposit account. Interest rate is 6.99%.
Auto loan score 61 · Carrot Score 65
Rate checked · Auto loans rates on its site
More details - 7.25%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model year 2025 - 2026. Monthly payment is $19.92 per $1,000.
Auto loan score 60 · Carrot Score 86
Rate checked · Auto loans rates on its site
More details - 7.34%APRas low as · up to 13.59%with conditions
7.34% APR, up to 13.59%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
For new and used 1-3 year old automobiles not exceeding 125% LTV. Minimum loan amount $2,500. Rate reflects automatic deduction from any Fulton Bank deposit account (APR increases by 0.25% if discontinued).
Auto loan score 61 · Carrot Score 80
Rate checked · Auto loans rates on its site
More details - 7.50%APRas low as
Terms
Rate is fixed for the entire term of the loan. Up to 60 months. Rates as low as APR.
Auto loan score 61 · Carrot Score 60
Rate checked · Auto loans rates on its site
More details - 7.50%APRas low as
Terms
60 payments of $20.04 per $1,000
Auto loan score 60 · Carrot Score 75
Rate checked · Auto loans rates on its site
More details - 7.66%APRas low as
Terms
Example rate based on a $29,000 loan amount with a $1,000 down payment. Assumes borrower has excellent credit (credit score of 740 or higher).
Auto loan score 60 · Carrot Score 67
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?
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
- APCI Federal Credit UnionCredit union · 1 branch
- Freedom Credit UnionCredit union · 4 branches
- Corner PostCredit union · 1 branch