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 31–45 of 189 in Pennsylvania · median 5.00% APR
- 4.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model Year New 2026 – 2024 (Untitled). As low as rate. Includes 0.25% discount for automatic deduction of payment from deposit account with e-statements. Rates shown are for qualified borrowers.
Auto loan score 86 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 4.49%APRas low as · up to 18.00%
4.49% APR, up to 18.00%
Terms
Rate determined by credit score. Maximum rate is 18%. Add-ons apply. Maximum loan terms are based on loan amount. Applications subject to credit approval. Collateral must meet minimum underwriting standards.
Auto loan score 83 · Carrot Score 75
Rate checked · Auto loans rates on its site
More details - 4.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New Auto & Motorcycles (2027-2025). Assume less than 90% LTV. Includes 0.25% discount for automatic payment from a TCAFCU account.
Auto loan score 82 · Carrot Score 82
Rate checked · Auto loans rates on its site
More details - 4.50%APRas low as · up to 16.25%
4.50% APR, up to 16.25%
Terms
Lowest rate requires score 730+ (Grade A+); highest rate applies to score 549 or Less (Grade E).
Auto loan score 89 · Carrot Score 84
Rate checked · Auto loans rates on its site
More details - USPS Federal Credit UnionHybrid & Electric Vehicles Auto Loan · up to 84 months
Credit union · 1 branch
4.50%APRas low aswith conditionsThis rate needs a checking account, direct deposit or relationship with the lender.
Terms
As low as 3.50% APR with Relationship Rewards. 0.25% off regular auto loan rates for hybrid and electric vehicles. Terms up to 84 months.
Auto loan score 89 · Carrot Score 87
Rate checked · Auto loans rates on its site
More details - 4.50%APRas low as
Terms
Rates as low as stated APR for term 37 - 60 months.
Auto loan score 88 · Carrot Score 87
Rate checked · Auto loans rates on its site
More details - 4.50%APRas low as · up to 10.75%
4.50% APR, up to 10.75%
Terms
Zero Down Payment. Performance based lending rates apply.
Auto loan score 88 · Carrot Score 67
Rate checked · Auto loans rates on its site
More details - 4.50%APRas low as · up to 12.75%
4.50% APR, up to 12.75%
Terms
Rate range varies by credit/conditions; subject to change without prior notice.
Auto loan score 87 · Carrot Score 84
Rate checked · Auto loans rates on its site
More details - 4.50%APRas low as
Terms
Model Year: 2026 to 2025 (New Auto)
Auto loan score 87 · Carrot Score 82
Rate checked · Auto loans rates on its site
More details - 4.50%APRas low as
Terms
Rate as low as stated depending on credit score.
Auto loan score 87 · Carrot Score 68
Rate checked · Auto loans rates on its site
More details - 4.50%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes a 0.25% rate discount for auto-debit from a SRU FCU share draft checking account on loans of $500.00 or more.
Auto loan score 87 · Carrot Score 84
Rate checked · Auto loans rates on its site
More details - 4.50%APRas low as
Terms
TERM – UP TO 5 YEARS
Auto loan score 87 · Carrot Score 80
Rate checked · Auto loans rates on its site
More details - Erie Fire Fighters Federal Credit UnionSecured / NEWER auto-motorcycle loans · up to 72 months
Credit union · 1 branch
4.50%APRas low as · up to 14.00%4.50% APR, up to 14.00%
Terms
Rates vary by Credit Grade from A+ (800-850 FICO Classic 08, 4.50% APR) to E (539 and below, 14.00% APR). Maximum loan amount up to 100% of MSRP Value. Maximum term 72 months.
Auto loan score 85
Rate checked · Auto loans rates on its site
More details - 4.50%APRas low as
Terms
Model years 2026, 2025. Lower interest rate for 48 & 60 month terms are only offered for New Vehicles with A+, A, & B scores. Rate based on credit worthiness. Rates listed are as low as.
Auto loan score 85 · Carrot Score 80
Rate checked · Auto loans rates on its site
More details - 4.50%APRas low as
Auto loan score 85 · Carrot Score 69
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