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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.

Vehicle
Institution
Location

Top new-car loan rates

Showing 16–30 of 189 in Pennsylvania · median 5.00% APR

  1. Top Carrot, Carrot Score 94
    First Peoples Community Federal Credit UnionAuto Loans · 49–60 months

    Credit union · 5 branches

    4.25%APRas low as
  2. MERHO Federal Credit UnionNew Car · up to 60 months

    Credit union · 2 branches

    4.25%APRas low as
  3. Top Carrot, Carrot Score 89
    PRR South Fork Federal Credit UnionAuto Loan · up to 84 months

    Credit union · 2 branches

    4.25%APRas low as
  4. Top Carrot, Carrot Score 93
    Grove City Area Federal Credit UnionNew Auto · up to 60 months

    Credit union · 2 branches

    4.35%APRas low as
  5. Advantage Financial Federal Credit UnionAuto Loans · 49–60 months

    Credit union · 1 branch

    4.39%APRas low aswith conditions
  6. Top Carrot, Carrot Score 89
    Choice One Community Credit UnionNew Car Loan · up to 84 months

    Credit union · 6 branches

    4.39%APRas low aswith conditions
  7. Top Carrot, Carrot Score 95
    Freedom Credit UnionAuto Loans · 67–75 months

    Credit union · 4 branches

    4.49%APRas low as
  8. Tri State Rail Federal Credit UnionVehicle Loans · 49–60 months

    Credit union · 3 branches

    4.49%APRas low as
  9. Top Carrot, Carrot Score 88
    Corry FCUVehicle Loans · up to 60 months

    Credit union · 3 branches

    4.49%APRas low as
  10. Top Carrot, Carrot Score 87
    Westmoreland FCUVehicle Loan · up to 60 months

    Credit union · 1 branch

    4.49%APRas low as
  11. Allegheny-Kiski Postal FCUNEW AUTO LOAN · up to 60 months

    Credit union · 1 branch

    4.49%APRas low as
  12. Franklin Johnstown Federal Credit UnionAuto Loans

    Credit union · 2 branches

    4.49%APRas low as
  13. Top Carrot, Carrot Score 88
    Pheple FCUNew Auto

    Credit union · 9 branches

    4.49%APRas low aswith conditions
  14. Allegheny Central Employees Federal Credit UnionNew Vehicle Loans · up to 60 months

    Credit union · 1 branch

    4.49%APRas low aswith conditions
  15. Mountain Laurel Federal Credit UnionDRIVE4LESS (New 2025 - 2026) · up to 72 months

    Credit union · 6 branches

    4.49%APRas low as

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%

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Pennsylvania

Top Carrot institutions

Ranked across their CDs, savings, auto loans and credit cards. How scores work

  1. APCI Federal Credit UnionCredit union · 1 branch
  2. Freedom Credit UnionCredit union · 4 branches
  3. Corner PostCredit union · 1 branch
See all ranked institutions

Auto loan rates by state