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 151–165 of 189 in Pennsylvania · median 5.00% APR
- Greater Pittsburgh Federal Credit UnionNew Automobile, Pickup, Van, & SUV · 49–60 months
Credit union · 8 branches
5.70%APRas low asTerms
Rates are as low as and based on credit score.
Auto loan score 68 · Carrot Score 62
Rate checked · Auto loans rates on its site
More details - 5.74%APRas low as · up to 17.99%
5.74% APR, up to 17.99%
Terms
Subsequent rate after 3-month promotional period for refinance loans. Rate determined based on credit history, model year, term, and location.
Auto loan score 70
Rate checked · Auto loans rates on its site
More details - Diamond Credit UnionNew / Used Auto Loan (Current model year and up to 5 years old) · up to 72 months
Credit union · 8 branches
5.74%APRas low asTerms
Current model year and up to 5 years old. Rates as low as.
Auto loan score 70 · Carrot Score 71
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 years 2026-2025. Standard rate without relationship discount. With max relationship pricing discount (0.75%), rate is 4.99% APR.
Auto loan score 70 · Carrot Score 83
Rate checked · Auto loans rates on its site
More details - 5.74%APRas low as · up to 13.74%
5.74% APR, up to 13.74%
Terms
Model Years 2020 & Newer. Minimum loan amount $10,000. APR varies based on borrower credit score. Rate available for members meeting standard credit criteria. Payment example: A loan at 5.74% APR requires 60 monthly payments of $19.21 per $1,000 borrowed.
Auto loan score 70 · Carrot Score 84
Rate checked · Auto loans rates on its site
More details - 5.74%APRas low as
Auto loan score 70 · Carrot Score 71
Rate checked · Auto loans rates on its site
More details - 5.74%APRas low as
Terms
Model years 2023 - 2026.
Auto loan score 70 · Carrot Score 87
Rate checked · Auto loans rates on its site
More details - 5.74%APRas low as
Terms
Model Year 2027, 7,500 miles or less. APR as low as. Rates based on evaluation of applicant credit. Term to be determined during underwriting and other conditions may apply.
Auto loan score 67 · Carrot Score 62
Rate checked · Auto loans rates on its site
More details - 5.74%APRas low as
Terms
Up to 60 months. 120% NADA on 2016 and newer models.
Auto loan score 67 · Carrot Score 80
Rate checked · Auto loans rates on its site
More details - 5.74%APRas low as
Terms
New (<10K miles). As low as rate. Private party sales do not qualify for New Vehicle rates.
Auto loan score 67 · Carrot Score 86
Rate checked · Auto loans rates on its site
More details - First Heritage Federal Credit UnionNew Vehicle 2023 - Newer · up to 66 months
Credit union · 2 branches
5.74%APRas low asAuto loan score 66 · Carrot Score 77
Rate checked · Auto loans rates on its site
More details - 5.74%APRas low as
Terms
Vehicle must have less than 20,000 miles.
Auto loan score 66 · Carrot Score 87
Rate checked · Auto loans rates on its site
More details - 5.74%APRas low as
Terms
For 2024 and newer model year vehicles.
Auto loan score 66 · Carrot Score 82
Rate checked · Auto loans rates on its site
More details - 5.75%APRas low as
Terms
Model year 2026-2022.
Auto loan score 69 · Carrot Score 87
Rate checked · Auto loans rates on its site
More details - 5.75%APRas low as · up to 18.75%
5.75% APR, up to 18.75%
Terms
60 Months; minimum APR requires Silver credit tier (729 - 670), maximum APR for Quartz credit tier (569 and under). Financing up to 100% (10% for Quartz).
Auto loan score 69 · Carrot Score 61
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