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 1–15 of 17 in Lancaster, PA metro · median 5.74% APR
- 4.49%APRas low as · up to 18.00%
4.49% APR, up to 18.00%
Terms
Rate determined by credit score. Maximum rate is 18%. Add-ons apply. Maximum loan terms are based on loan amount. Applications subject to credit approval. Collateral must meet minimum underwriting standards.
Auto loan score 89 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
Rate shown for new or up to four years old auto or motorcycle, up to 60 months. Lowest current rate listed based on credit, collateral, and loan term.
Auto loan score 87 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - Lancaster Red Rose Credit UnionNew & Used Auto Loans (2020 and Newer) · up to 60 months
Credit union · 4 branches
4.75%APRas low asTerms
FICO Score: 750+
Auto loan score 82 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 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 81 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Starting APR for 60-month term (New Auto/Motorcycle Loans 2025 and newer).
Auto loan score 79 · Carrot Score 73
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 - 5.49%APRas low as
Terms
Model Year 2026+. Advertised as low as 5.49% APR. Subject to credit approval.
Auto loan score 70 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Rate based on creditworthiness and term.
Auto loan score 68 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as · up to 13.74%
5.74% APR, up to 13.74%
Terms
Model Years 2020 & Newer. Loan amount: $10,000+. Payment example: A loan at 5.74% APR would require 60 monthly payments of $19.21 per $1,000 borrowed.
Auto loan score 69 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as
Auto loan score 69 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Base rate 6.49% with discounts: credit score >= 700, automatic payment deduction from an ENB deposit account, max loan amount $100,000. Max LTV 100%, min down 0%.
Auto loan score 63 · Carrot Score 61
Rate checked · Auto loans rates on its site
Rates and branches - 6.04%APRas low as
Terms
Model years 2026–2025; term up to 63 months. Stated APR/interest rate based on credit score 720 or above; other rates and terms also available. APR and payment examples based on a $10,000 loan with a $50 documentation prep fee using the greater term for the product. Up to 125% financing.
Auto loan score 65 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 6.24%APRas low as
Terms
Based on 60 months and $45,000 financing amount with $0 down payment for online applicants with excellent credit. Rate discount of 0.25% may be available for Chase customers maintaining an average daily combined balance of $150,000 or more across eligible accounts.
Auto loan score 64 · Carrot Score 60
Rate checked · Auto loans rates on its site
Rates and branches - 6.75%APRas low as
Terms
2024 model or newer and fewer than 500 miles. Maximum amount $50,000. APR as low as stated.
Auto loan score 62 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 6.79%APRas low as · up to 15.69%with conditions
6.79% APR, up to 15.69%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
To qualify for the lowest APR available (6.79%): term must be 48 months or less; collateral model year must be 2025 or newer; must have or open an M&T MyChoice Premium or Power Checking account at time of application; and automatic payment deductions from any M&T checking account must be established. Terms up to 84 months available.
Auto loan score 62 · Carrot Score 60
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 Lancaster, PA metro
17 banks and credit unions · checked Oct 16–22
- Typical
- 5.74%
- Top 10% up to
- 4.75%
- Banks, typical
- 6.24%
- Credit unions, typical
- 5.36%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Lancaster, PA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Citadel Credit UnionCredit union · 2 branches
- EverenceCredit union · 5 branches
- Finanta Credit UnionCredit union · 1 branch