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 121–135 of 189 in Pennsylvania · median 5.00% APR
- Wyoming Valley Educational Employees Federal Credit UnionVehicle Loans · up to 60 months
Credit union · 3 branches
5.25%APRas low asTerms
2027, 2026 model years with mileage under 20,000. Maximum loan: Credit score under 650: 95% of vehicle selling price before manufacturer rebates (new) or 95% of NADA retail value (used); Credit score 650-699: 100% of vehicle selling price before manufacturer rebates (new) or 95% of NADA retail value (used); Credit score 700+: 100% of total out-the-door price (new) or 100% of NADA retail value (used).
Auto loan score 78 · Carrot Score 84
Rate checked · Auto loans rates on its site
More details - 5.25%APRas low as
Terms
New Vehicles 2025 – 2026
Auto loan score 72 · Carrot Score 64
Rate checked · Auto loans rates on its site
More details - 5.25%APRas low as
Terms
New Loans Only. $35,000 minimum, $70,000 maximum.
Auto loan score 71 · Carrot Score 61
Rate checked · Auto loans rates on its site
More details - 5.29%APRas low as
Auto loan score 77 · Carrot Score 76
Rate checked · Auto loans rates on its site
More details - 5.29%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Tier 1 rate. Includes 1.00% discount for automatic payments. Up to 130% NADA Retail Value for Tiers A-C, up to 110% for Tier D.
Auto loan score 77 · Carrot Score 83
Rate checked · Auto loans rates on its site
More details - 5.29%APRas low as
Terms
Payment example: $20.50 per $1,000 borrowed with Payment Protection.
Auto loan score 76 · Carrot Score 93
Rate checked · Auto loans rates on its site
More details - 5.39%APRas low as
Terms
Promotion featured on homepage: 1% Cash Back & No Payments until January. Rate advertised as 5.39% APR*. Minimum loan amount $15,000. Promotion valid for applications received from 10/1/2026 through 10/31/2026.
Auto loan score 76 · Carrot Score 85
Rate checked · Auto loans rates on its site
More details - 5.39%APRas low as
Terms
Model year 2024-2026
Auto loan score 76 · Carrot Score 75
Rate checked · Auto loans rates on its site
More details - 5.44%APRas low as
Terms
With qualifying credit.
Auto loan score 71 · Carrot Score 86
Rate checked · Auto loans rates on its site
More details - 5.49%APRas low as
Terms
APR is determined based on applicant's credit score; as low as 5.49%.
Auto loan score 74 · Carrot Score 67
Rate checked · Auto loans rates on its site
More details - 5.49%APRas low as
Terms
Model Years 2025 - 2027
Auto loan score 74 · Carrot Score 84
Rate checked · Auto loans rates on its site
More details - 5.49%APRas low as
Terms
Model years 2025-2027.
Auto loan score 74 · Carrot Score 85
Rate checked · Auto loans rates on its site
More details - 5.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Up to 75 months; minimum loan $10,000. APR as low as 5.49% for highly credit-qualified borrowers. Stated APR includes 0.25% autopay discount from a Sun East checking account. Same product applies to new or used vehicles.
Auto loan score 74 · Carrot Score 80
Rate checked · Auto loans rates on its site
More details - 5.49%APRas low as
Terms
New vehicles. Rate is based on applicant creditworthiness.
Auto loan score 71 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 5.49%APRas low as
Terms
Up to 100% (for those who qualify) of the sales price (INCLUDING tax, tags, etc.)
Auto loan score 71 · Carrot Score 72
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