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 106–120 of 189 in Pennsylvania · median 5.00% APR
- 5.15%APRas low as
Terms
As low as APR for terms 37 - 60 months. APR and loan approval based on creditworthiness, loan term, loan to value, and age of collateral. Refinancing of existing 1st Ed loans does not qualify.
Auto loan score 81 · Carrot Score 87
Rate checked · Auto loans rates on its site
More details - 5.24%APRas low as
Auto loan score 80 · Carrot Score 83
Rate checked · Auto loans rates on its site
More details - 5.24%APRas low as
Terms
Starting APR for 60-month term (New Auto/Motorcycle Loans 2025 and newer).
Auto loan score 80 · Carrot Score 73
Rate checked · Auto loans rates on its site
More details - Self Reliance Financial Federal Credit UnionNew Vehicle Loan · 49–66 months
Credit union · 4 branches
5.24%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As low as APR requires automatic monthly payment. 49 to 66 months.
Auto loan score 80 · Carrot Score 94
Rate checked · Auto loans rates on its site
More details - 5.24%APRas low as
Terms
100% financing. Rates are as low as based on your FICO score.
Auto loan score 80
Rate checked · Auto loans rates on its site
More details - 5.24%APRas low as
Terms
APR as low as 5.24%. Terms from 3 to 7 years (36 to 84 months). Up to 100% of purchase price plus tax & tags. Auto loans may include tax, tags, GAP & warranty, if applicable.
Auto loan score 75 · Carrot Score 75
Rate checked · Auto loans rates on its site
More details - 5.24%APRas low as
Terms
Only on $25,000 or more.
Auto loan score 75 · Carrot Score 79
Rate checked · Auto loans rates on its site
More details - Merck Sharp & Dohme Federal Credit UnionNew & Used Vehicle Loans · up to 60 months
Credit union · 7 branches
5.24%APRas low asTerms
Up to 60 Months. Qualifying used vehicles model years 2019-2026. Restrictions on vehicle age only - no used vehicles over 7 years. Rates are subject to change without notice. Subject to credit review. My Advantage discount does not apply. Estimated monthly car loan payment per $1,000 borrowed at 5.24% APR is $18.98 for 60 months.
Auto loan score 72 · Carrot Score 66
Rate checked · Auto loans rates on its site
More details - Heritage Financial Credit UnionTier 1 Auto (Model Years 2024-Present) · up to 84 months
Credit union · 2 branches
5.24%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Fixed APR as low as 5.24%. Includes 0.50% discount for automatic payments. Maximum term is 84 months.
Auto loan score 71 · Carrot Score 79
Rate checked · Auto loans rates on its site
More details - 5.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New & Used Auto (2027-2024). Includes a 0.25% discount for automatic deduction of payment from a Top Tier FCU deposit account.
Auto loan score 70 · Carrot Score 75
Rate checked · Auto loans rates on its site
More details - 5.25%APRas low as
Terms
As low as 5.25% APR.
Auto loan score 78 · Carrot Score 66
Rate checked · Auto loans rates on its site
More details - 5.25%APRas low as
Terms
2027, 2026 (with mileage under 20,000). Maximum loan varies by credit score (95% to 100%).
Auto loan score 78
Rate checked · Auto loans rates on its site
More details - 5.25%APRas low as
Terms
As low as rate for well qualified borrowers.
Auto loan score 78 · Carrot Score 81
Rate checked · Auto loans rates on its site
More details - 5.25%APRas low as
Auto loan score 78 · Carrot Score 78
Rate checked · Auto loans rates on its site
More details - 5.25%APRas low as
Terms
As low as rate.
Auto loan score 78 · Carrot Score 74
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