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 181–189 of 189 in Pennsylvania · median 5.00% APR
- USSCO Johnstown Federal Credit UnionNew Vehicles 2025 - 2026 · up to 60 months
Credit union · 4 branches
6.25%APRas low asTerms
Up to 60 months
Auto loan score 64 · Carrot Score 63
Rate checked · Auto loans rates on its site
More details - 6.25%APRas low as
Terms
Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
Auto loan score 64 · Carrot Score 86
Rate checked · Auto loans rates on its site
More details - 6.25%APRas low as
Terms
As low as rate for 85% financing. 100% financing is available for an additional 0.50% APR. Rates available to qualified members only and based on credit standards.
Auto loan score 63 · Carrot Score 78
Rate checked · Auto loans rates on its site
More details - 6.50%APRas low as
Terms
Automobiles (2026)
Auto loan score 62 · Carrot Score 71
Rate checked · Auto loans rates on its site
More details - 6.55%APRas low as
Terms
For model years 2025-2027; term 49-60 months.
Auto loan score 63 · Carrot Score 74
Rate checked · Auto loans rates on its site
More details - 6.69%APRas low as
Terms
Model year 2025 or newer. Stated as APR as low as. Minimum loan amount is $7,500 for a 60 month term auto.
Auto loan score 63 · Carrot Score 60
Rate checked · Auto loans rates on its site
More details - 6.74%APRas low as
Terms
As low as APR for applicants with credit scores 735 or higher; based on vehicle model year and mileage. Up to 100% financing. Term up to 63 months.
Auto loan score 63 · Carrot Score 82
Rate checked · Auto loans rates on its site
More details - 6.75%APRas low as
Terms
2024 model or newer and fewer than 500 miles. Maximum amount $50,000. APR as low as stated.
Auto loan score 62 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 7.54%APRas low as
Terms
New Only. Best fixed rate on approved credit.
Auto loan score 60 · Carrot Score 86
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