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 166–180 of 189 in Pennsylvania · median 5.00% APR
- 5.75%APRas low as
Terms
0% down payment required
Auto loan score 65 · Carrot Score 67
Rate checked · Auto loans rates on its site
More details - 5.75%APRas low as
Terms
2024-2025 model year; Finance 80% Retail; Up to 60 months
Auto loan score 65 · Carrot Score 63
Rate checked · Auto loans rates on its site
More details - 5.79%APRas low as · up to 8.04%
5.79% APR, up to 8.04%
Terms
2027, 2026, and 2025 Model Vehicles. Monthly payment $18.45 - $19.51 per $1,000. Stated APR depends on credit score.
Auto loan score 68 · Carrot Score 82
Rate checked · Auto loans rates on its site
More details - 5.79%APRas low as
Terms
Model Year 2027 – 2024
Auto loan score 68 · Carrot Score 93
Rate checked · Auto loans rates on its site
More details - Century Heritage Federal Credit UnionNew Vehicle Loans (2027-2026) · up to 60 months
Credit union · 6 branches
5.79%APRas low aswith conditionsThis rate needs autopay.
Terms
Model years 2026-2027
Auto loan score 66 · Carrot Score 80
Rate checked · Auto loans rates on its site
More details - 5.79%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Terms up to 63 months. Advertised fixed rate is as low as 5.79% APR and includes 0.25% autopay/direct deposit discount. Monthly payment per $1,000 is $18.45.
Auto loan score 66 · Carrot Score 69
Rate checked · Auto loans rates on its site
More details - 5.95%APRas low as
Terms
Payment is $19.31 per $1,000 borrowed for full term.
Auto loan score 64 · Carrot Score 65
Rate checked · Auto loans rates on its site
More details - 5.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model Year 2026 – 2027 (New Vehicles). Must be current or prior year model and must not have been previously titled. Selling price must be $20,000 or greater. Tax, title, tags and optional products. Max LTV is 125% MSRP. Based on 'A+' credit and requires autopay.
Auto loan score 85 · Carrot Score 87
Rate checked · Auto loans rates on its site
More details - 5.99%APRas low as
Terms
Model year 2026/2025. Term based on vehicle value up to 72 months.
Auto loan score 66 · Carrot Score 66
Rate checked · Auto loans rates on its site
More details - 5.99%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
For vehicle model years 2022 to 2026. Rate includes a 0.25% discount for active Absolute Checking account.
Auto loan score 65 · Carrot Score 79
Rate checked · Auto loans rates on its site
More details - 5.99%APRas low as
Terms
As low as 5.99% for up to 72 months
Auto loan score 64 · Carrot Score 61
Rate checked · Auto loans rates on its site
More details - 5.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates include a 0.25% discount for repayment made via payroll deduction or an automatic payment. All loans subject to credit approval terms. Loan rates are determined by personal credit history and term of loan. MUST be a member for 60 Days to apply for any loan.
Auto loan score 63
Rate checked · Auto loans rates on its site
More details - 6.00%APRas low as
- 6.09%APRas low as
Terms
Up to 63 Months
Auto loan score 65 · Carrot Score 84
Rate checked · Auto loans rates on its site
More details - Arize Federal Credit UnionNew Vehicles — 2026, 2025 & New 2024 · up to 60 months
Credit union · 3 branches
6.24%APRas low as · up to 18.00%6.24% APR, up to 18.00%
Terms
Rates based on creditworthiness. Minimum loan amount is $5,000. For LTV > 100% up to 110%, add 0.50 percentage points.
Auto loan score 63 · Carrot Score 66
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