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 1–4 of 4 in Bradford, PA metro · median 4.74% APR
- High Point Federal Credit UnionWinter Auto Purchase Special · up to 72 months
Credit union · 1 branch
4.24%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Valid on approved purchase loans for credit scores of 680 or better, LTV of 105% or less (excluding warranty), vehicle age of 2020 or newer and 72 month term or less. Paperless payment required. Rate includes 0.25% discount for auto transfer of payment. Offer valid 11/29/24 – 12/31/24.
Auto loan score 89 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - Mountain Laurel Federal Credit UnionDRIVE4LESS (New 2025 - 2026) · up to 72 months
Credit union · 3 branches
4.49%APRas low asAuto loan score 89 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 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
Rates and branches - 5.34%APRas low as · up to 20.69%with conditions
5.34% APR, up to 20.69%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Available to well-qualified applicants. Includes a 0.25% discount for automated payment from a PNC checking account set up at loan closing; rate increases 0.25% if automated payment is discontinued. Available for 2018-2027 model year non-commercial vehicles with up to 80,000 miles (up to 100,000 miles based on credit qualifications).
Auto loan score 71 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches
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 Bradford, PA metro
4 banks and credit unions · checked Sep 26–Oct 22
- Typical
- 4.74%
- Top 10% up to
- 4.32%
- Banks, typical
- 5.34%
- Credit unions, typical
- 4.49%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Bradford, PA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Mountain Laurel Federal Credit UnionCredit union · 3 branches