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 61–75 of 189 in Pennsylvania · median 5.00% APR
- 4.75%APRas low as
Terms
Loan rates listed are 'as low as' rates; final rate may be higher depending on creditworthiness and debt-to-income ratio. Other rates and terms are available. Promotional rates and offers may change/end without notice.
Auto loan score 86 · Carrot Score 78
Rate checked · Auto loans rates on its site
More details - 4.75%APRas low as
Terms
2026-2025 New Vehicles
Auto loan score 85 · Carrot Score 65
Rate checked · Auto loans rates on its site
More details - IBEW Local 56 Federal Credit UnionNew Vehicle Loans - All Automobiles, Trucks, Motorcycles and Motor Homes (2024 Model Year and Newer) · up to 60 months
Credit union · 1 branch
4.75%APRas low asAuto loan score 83 · Carrot Score 86
Rate checked · Auto loans rates on its site
More details - Lancaster Red Rose Credit UnionNew & Used Auto Loans (2020 and Newer) · up to 60 months
Credit union · 4 branches
4.75%APRas low as · up to 11.75%4.75% APR, up to 11.75%
Terms
FICO score tiers range from 599 & below to 750+; lowest rate requires FICO 750+; 2020 and newer vehicles.
Auto loan score 83 · Carrot Score 77
Rate checked · Auto loans rates on its site
More details - 4.75%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model years 2024-2027. Terms to 84 months. Includes 0.25% autopay/batch transfer discount.
Auto loan score 77 · Carrot Score 80
Rate checked · Auto loans rates on its site
More details - 4.79%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As low as rate based on credit score, best rate available for 36 Months. Rates increase based on term, score, and LTV. Up to 125% of MSRP including tax, tags, warranties, and GAP Insurance. Assumes direct deposit re-payment (add 0.25% without direct deposit or auto transfer).
Auto loan score 86 · Carrot Score 86
Rate checked · Auto loans rates on its site
More details - 4.84%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
For model year 2017 and newer. Sample monthly payment is $18.80 per $1,000 borrowed.
Auto loan score 87 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 4.89%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates include a 0.50% rate discount for automatic payments out of a PALCO FCU deposit account. Maximum mileage: 75,000 for gas engines and 100,000 for diesel engines.
Auto loan score 87 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 4.89%APRas low as · up to 7.89%
4.89% APR, up to 7.89%
Terms
Tier 1 (710+) to Tier 4 (620-659)
Auto loan score 86 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 4.89%APRas low as
Terms
Advertised rate for "AA" credit. Monthly payment $18.83 per $1,000 borrowed. Loans up to 100% of NADA value.
Auto loan score 79 · Carrot Score 87
Rate checked · Auto loans rates on its site
More details - P&G Mehoopany Employees Federal Credit UnionNew and Used Auto Loan · up to 96 months
Credit union · 4 branches
4.90%APRas low as · up to 17.50%4.90% APR, up to 17.50%
Terms
Payment Example: A 60 month new-used auto loan with a 5.50% fixed APR would have monthly payments of $19.11 per $1,000 borrowed.
Auto loan score 87 · Carrot Score 85
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low as
Terms
Rates are as low as; individual rates are based on credit performance. Will finance up to 95% of NADA retail value.
Auto loan score 83 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low as
Auto loan score 83 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low as
Terms
Lowest possible APR disclosed. Secured loan terms between 61 – 72 months require $10,000 minimum amount financed. A .25% discount off qualifying APR available with auto payment enrollment.
Auto loan score 83 · Carrot Score 90
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low as
Terms
Lowest available APR based on excellent credit history.
Auto loan score 83 · Carrot Score 87
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