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 136–150 of 189 in Pennsylvania · median 5.00% APR
- 5.49%APRas low as
Terms
Model Year 2026+. Advertised as low as 5.49% APR. Subject to credit approval.
Auto loan score 71 · Carrot Score 94
Rate checked · Auto loans rates on its site
More details - 5.49%APRas low as
Terms
As low as 5.49% APR*
Auto loan score 71 · Carrot Score 81
Rate checked · Auto loans rates on its site
More details - 5.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Up to 63 Months. Rates as low as stated for members with payroll deduction or automatic payment (otherwise increased by 0.25%). Borrowers of promotional refinance or purchase offer will skip first two payment cycles and then make 63 consecutive monthly payments.
Auto loan score 70 · Carrot Score 94
Rate checked · Auto loans rates on its site
More details - 5.49%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Financing up to 100% of purchase. Rates reflect all possible discounts. Rate based on loan term and creditworthiness.
Auto loan score 70 · Carrot Score 71
Rate checked · Auto loans rates on its site
More details - 5.49%APRas low as
Terms
AUTOMOBILE & MOTORCYCLE NEW & Used (2024 & Newer). Disclosed APR with asterisk (*) represents lowest possible APR. Subject to credit approval.
Auto loan score 69 · Carrot Score 82
Rate checked · Auto loans rates on its site
More details - 5.49%APRas low as
Terms
Based on credit approval on select new vehicle loans.
Auto loan score 69 · Carrot Score 74
Rate checked · Auto loans rates on its site
More details - 5.49%APRas low as
Terms
5 Year Payback. Up to 110% of Value.
Auto loan score 69 · Carrot Score 70
Rate checked · Auto loans rates on its site
More details - 5.49%APRas low as
Terms
Rate based on creditworthiness and term.
Auto loan score 69 · Carrot Score 69
Rate checked · Auto loans rates on its site
More details - 5.50%APRas low as
Terms
Base rate for A+ credit tier (score 700+, max debt ratio 35%).
Auto loan score 72 · Carrot Score 77
Rate checked · Auto loans rates on its site
More details - 5.50%APRas low as
Terms
Model year 2026 & 2025
Auto loan score 68 · Carrot Score 87
Rate checked · Auto loans rates on its site
More details - Glass Cap Federal Credit UnionNew Vehicle Loan (Includes Motorcycles) 2025 - 2026 · up to 60 months
Credit union · 1 branch
5.50%APRas low asTerms
For 2025 - 2026 vehicles (includes motorcycles). Quads add 2% to rate. Take .25% off posted rates if qualifying for the Advantage Club Discount.
Auto loan score 68 · Carrot Score 66
Rate checked · Auto loans rates on its site
More details - 5.50%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate includes Auto-pay (Direct Deposit) discount. Requires maintaining a minimum $100 share balance.
Auto loan score 66 · Carrot Score 60
Rate checked · Auto loans rates on its site
More details - 5.50%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate includes a 1.00% rate discount for automatic payments out of an active Horizon checking account. Advertised rate can vary based on creditworthiness, loan-to-value, terms of loan and relationship with credit union.
Auto loan score 63 · Carrot Score 69
Rate checked · Auto loans rates on its site
More details - 5.59%APRas low as
Terms
2024 – 2026 Models
Auto loan score 72 · Carrot Score 83
Rate checked · Auto loans rates on its site
More details - 5.69%APRas low aswith conditions
This rate needs autopay.
Terms
2023 Model Year and Newer. Minimum vehicle value $3,000. Front-end LTV <= 90%. Maximum APR 12.14%. Coupon payment increases APR by 0.25%. Monthly payment $18.40 per $1,000.
Auto loan score 71 · Carrot Score 89
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