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 31–45 of 72 in Philadelphia, PA-NJ-DE-MD metro · median 5.32% APR
- 5.24%APRas low as
Terms
100% financing. Rates are as low as based on your FICO score.
Auto loan score 79
Rate checked · Auto loans rates on its site
Rates and branches - 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
Rates and branches - 5.24%APRas low as
Terms
New Auto; monthly payment per $1,000 borrowed is $18.99
Auto loan score 75 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Bright Auto Loans promotional rate includes a 0.25% discount off approved rate. Promotion Period: 4/7/2026–9/30/2026. Applies only to new/used auto purchases and/or refinances from other institutions.
Auto loan score 75 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 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 76 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.29%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Automated payments from an APGFCU account required.
Auto loan score 71 · Carrot Score 94
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 - 5.38%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates as low as. Rate includes up to 0.50% discount for direct deposit and auto pay from Del-One checking account. Additional 0.25% Green Auto Discount for Electric Vehicle, Hybrid, Fuel Cell, Plug-In Hybrid Electric Vehicle or Tesla.
Auto loan score 75 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.47%APRas low as
Terms
Annual Percentage Rate As Low As 5.47%. Rates may vary based on term and creditworthiness.
Auto loan score 70 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Up to 60 Months. Rates as low as stated based on credit score.
Auto loan score 73 · Carrot Score 66
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
As low as 5.49% APR*
Auto loan score 70 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Up to 63 Months. Rates as low as stated for members with payroll deduction or automatic payment (otherwise increased by 0.25%). Borrowers of promotional refinance or purchase offer will skip first two payment cycles and then make 63 consecutive monthly payments.
Auto loan score 69 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
New 2026-2027; Monthly payment per $1,000 borrowed: $19.09
Auto loan score 69 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
5 Year Payback. Up to 110% of Value.
Auto loan score 69 · Carrot Score 69
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 Philadelphia, PA-NJ-DE-MD metro
72 banks and credit unions · checked Oct 16–22
- Typical
- 5.32%
- Top 10% up to
- 4.60%
- Banks, typical
- 6.75%
- Credit unions, typical
- 5.24%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Philadelphia, PA-NJ-DE-MD metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Freedom Credit UnionCredit union · 4 branches
- HEFCUCredit union · 1 branch
- Self Reliance Financial Federal Credit UnionCredit union · 4 branches