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 31–43 of 43 in Pennsylvania · median 6.99% APR
- 7.68%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New vehicles; 72 months term; assumes $25,000 loan amount, minimum credit score of 720, auto-deduction from Wayne Bank checking account, $125 loan documentation fee. APR increases by .25% without automatic deduction, and by 1.00% for vehicles over 5 model years. Monthly payment per $1,000 borrowed is $17.29.
Auto loan score 60 · Carrot Score 74
Rate checked · Auto loans rates on its site
More details - 7.75%APRas low as
Terms
Credit score 740 & Above; 0% Down Payment
Auto loan score 60 · Carrot Score 63
Rate checked · Auto loans rates on its site
More details - The First National Bank & Trust Company of NewtownNew Vehicle Loans · up to 60 months
Bank · 13 branches
7.75%APRas low asTerms
25% downpayment required. Subject to credit approval.
Auto loan score 60 · Carrot Score 60
Rate checked · Auto loans rates on its site
More details - 7.77%APRas low as
Terms
APR is based on a $10,000.00 loan amount. Monthly payment per $1,000 borrowed is $20.16.
Auto loan score 60
Rate checked · Auto loans rates on its site
More details - 7.81%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Requires 10% down payment. APR is based on a $10,000.00 loan amount ($18.54 monthly payment per $1,000 borrowed). Rates assume credit score of 700 or higher and automatic payment from a Dime Bank account.
Auto loan score 60 · Carrot Score 76
Rate checked · Auto loans rates on its site
More details - 7.92%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Vehicle years 2026-2027; term up to 72 months. Advertised example uses $30,000 loan amount (monthly payment $524.85). APR assumes a $150.00 loan processing fee. Requires automatic loan payment from an eligible Sewickley Savings Bank deposit account.
Auto loan score 61 · Carrot Score 69
Rate checked · Auto loans rates on its site
More details - 7.94%APRas low as
Terms
New model year. 5 year term used in sample payment and APR ($10,000 loan amount).
Auto loan score 60 · Carrot Score 73
Rate checked · Auto loans rates on its site
More details - 7.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
With Autopay (deducted from an Embassy Bank checking account). Monthly payment is $20.27 per $1,000 borrowed.
Auto loan score 60 · Carrot Score 71
Rate checked · Auto loans rates on its site
More details - 8.13%APRas low as
Terms
Term range: 12-60 months. Eligible for a 0.250% preferred rate reduction with automatic payment deducted from a checking or savings account at Unity Bank.
Auto loan score 60 · Carrot Score 83
Rate checked · Auto loans rates on its site
More details - 8.19%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Maximum term 60 months. Monthly payment per $1,000 borrowed is $20.37.
Auto loan score 60 · Carrot Score 79
Rate checked · Auto loans rates on its site
More details - 8.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New (Up to 72 Months). Monthly payment per $1,000 is $17.66 at 72 months. Rate includes a 0.25% discount for automatic payment withdrawal from Neffs National Bank checking or savings account. Removal of automatic payment withdrawal will increase the rate by 0.25%. Insurance may be required.
Auto loan score 60 · Carrot Score 72
Rate checked · Auto loans rates on its site
More details - 9.25%APRas low as
Terms
5-Year Fixed. Model Years 2025 & 2026. Estimated payment $520.48 based on $25,000 loan amount.
Auto loan score 60 · Carrot Score 66
Rate checked · Auto loans rates on its site
More details - 9.38%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates and Annual Percentage Rate require auto draft of payment from a MCS Bank checking account. No down payment required. Rates and Annual Percentage Rate subject to Underwriting. The Rate and Term offered to you may be less favorable than the Terms shown above due to credit history and other factors.
Auto loan score 60 · Carrot Score 68
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