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 189 in Pennsylvania · median 5.00% APR
- 3.50%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate as low as disclosed applies when automatic payment from the PSFCU Checking Account is selected; rates are 0.25% higher without automatic payment. The rate you receive will be based upon your credit history, collateral, and loan character.
Auto loan score 93 · Carrot Score 82
Rate checked · Auto loans rates on its site
More details - 3.64%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
With Evergreen Advantage Program discount (up to 1.00% total off for E-Statements, Full Direct Deposit, Checking Account, Western PA Visa Credit Card).
Auto loan score 95 · Carrot Score 82
Rate checked · Auto loans rates on its site
More details - 3.70%APRas low as
Terms
Current promotion for qualified borrowers. Vehicle must be 2024 or newer with no more than 1,000 miles. Fixed APR of 3.70% with monthly payments of $18.28 per $1,000 borrowed. Proof of income required at funding.
Auto loan score 94 · Carrot Score 85
Rate checked · Auto loans rates on its site
More details - 3.84%APRas low as
Terms
Rates as low as stated APR. Assumes excellent credit. In partnership with TrueCar.
Auto loan score 92 · Carrot Score 96
Rate checked · Auto loans rates on its site
More details - 1.99%APRas low aswith conditionsunusually low · being checked
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model Year 2019 and newer. Term over 3 years, up to 6 years. Reflects 0.50% APR discount for direct deposit payment.
Auto loan score 94 · Carrot Score 78
Rate checked · Auto loans rates on its site
More details - 3.99%APRas low as
Terms
Model Year: 2025 - 2027
Auto loan score 95 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 3.99%APRas low as
Terms
Model Years 2024-2026
Auto loan score 93 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 3.99%APRas low as
Terms
Holiday joy promo: New vehicles (defined as 2026-2027 and never been titled). Term up to 72 months. 700 credit score and above. Maximum LTV of 115%. Dealer purchases only (no private sales). Minimum loan amount of $20,000. No payments for up to first 90 days (interest accrues). Cannot be combined with any other offer other than First Capital StarRewards 3-star discount. Effective October 1 - December 31, 2026.
Auto loan score 90 · Carrot Score 87
Rate checked · Auto loans rates on its site
More details - 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
More details - 4.00%APRas low as
Terms
Maximum Age of Vehicle: 10 Years; Maximum Mileage: 150,000; Maximum Loan to Value (LTV): 125% *; Payment per $1,000 Borrowed: $18.42 **; FLAT-RATE AUTO LOAN SPECIAL UNTIL 10/31/2026
Auto loan score 94 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 4.00%APRas low as · up to 10.75%
4.00% APR, up to 10.75%
Auto loan score 92 · Carrot Score 95
Rate checked · Auto loans rates on its site
More details - 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
More details - 4.24%APRas low as
Auto loan score 93 · Carrot Score 95
Rate checked · Auto loans rates on its site
More details - Pittsburgh City Hall Employees Federal Credit UnionCar Loans · up to 60 months
Credit union · 1 branch
4.24%APRas low asTerms
Model Year Range: 2026 & 2025. Best rate; rate may vary based on credit score.
Auto loan score 93 · Carrot Score 79
Rate checked · Auto loans rates on its site
More details - West Branch Valley Federal Credit UnionFixed Rate Auto Loan · up to 60 months
Credit union · 1 branch
4.24%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
2018- 2027 Model Year. Includes a 0.50% rate discount for automatic payments out of an active WBVFCU account and a monthly direct deposit. Must take $2,500 in new money on all in-house refinances.
Auto loan score 88 · Carrot Score 85
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
189 banks and credit unions · checked Oct 30–31
- Typical
- 5.00%
- Top 10% up to
- 4.38%
- Credit unions, typical
- 5.00%
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