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 91–105 of 189 in Pennsylvania · median 5.00% APR
- 5.00%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 82 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 5.00%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate as low as 5.00% APR on new or used vehicles when coupled with automatic payment discount.
Auto loan score 82 · Carrot Score 68
Rate checked · Auto loans rates on its site
More details - 5.00%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Term up to 5 and 6 years
Auto loan score 82 · Carrot Score 79
Rate checked · Auto loans rates on its site
More details - 5.00%APRas low as
Auto loan score 81 · Carrot Score 68
Rate checked · Auto loans rates on its site
More details - 5.00%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Amount available up to 100% of MSRP, Tax, Title, Tags. Lowest available APR based on creditworthiness; reflects 0.25% discount with automated payment from active Hershey FCU Share Draft or Regular Share Account. Available on new loans only.
Auto loan score 78 · Carrot Score 80
Rate checked · Auto loans rates on its site
More details - 5.00%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Up to 60 Months term. Rate includes 1.00% rate reduction for Credit Disability and Credit Life Insurance purchase and qualifying electronic/payroll payment method.
Auto loan score 77 · Carrot Score 67
Rate checked · Auto loans rates on its site
More details - Switch Federal Credit UnionCar, Truck, and Van Loans (NEW 2025, 2026) · up to 84 months
Credit union · 1 branch
5.00%APRas low asTerms
up to 84 month term. Call for other rates & terms.
Auto loan score 77 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 5.00%APRas low as · up to 7.00%
- 5.00%APRas low as
Terms
2026-2027 year models
Auto loan score 75 · Carrot Score 87
Rate checked · Auto loans rates on its site
More details - 5.00%APRas low as · up to 14.75%
5.00% APR, up to 14.75%
Terms
Model year 2016 and newer. Credit score tiers: A (700-799) 5.0% to D (below 500) 14.75%. Tier A+ (800+) reduces A rate by 0.50% (not below 1.5%). Add 1.0% to all categories to increase term to 72 months; add 1.5% to all categories to increase term to 84 months. Add 0.50% for vehicles over 100,000 miles.
Auto loan score 73 · Carrot Score 65
Rate checked · Auto loans rates on its site
More details - 5.04%APRas low as
Terms
Rates as low as. Financed up to 84 months. Qualification based on assessment of individual creditworthiness and underwriting standards.
Auto loan score 82 · Carrot Score 78
Rate checked · Auto loans rates on its site
More details - Cross Valley Federal Credit UnionNew / Used Car, Truck, SUV Loan (2021 - 2026) · up to 60 months
Credit union · 6 branches
5.04%APRas low asAuto loan score 80 · Carrot Score 84
Rate checked · Auto loans rates on its site
More details - 5.05%APRas low as · up to 11.05%
5.05% APR, up to 11.05%
Terms
Term: 5 years. FICO rate tiers: 730+ FICO is 5.05% APR; 690-729 FICO is 5.55% APR; 650-689 FICO is 7.05% APR; 610-649 FICO is 9.05% APR; <610 FICO is 11.05% APR.
Auto loan score 82 · Carrot Score 79
Rate checked · Auto loans rates on its site
More details - USX Federal Credit UnionNew and Used Vehicles (Model years 2026-2023) · 49–60 months
Credit union · 7 branches
5.09%APRas low asTerms
49 to 60 months. Standard Rate APR.
Auto loan score 76 · Carrot Score 71
Rate checked · Auto loans rates on its site
More details - 5.10%APRas low as · up to 7.70%
5.10% APR, up to 7.70%
Terms
Credit rating tiers: A+ (5.10%), A (5.15%), B (5.45%), C (7.70%).
Auto loan score 77 · Carrot Score 83
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