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 23 in Scranton, PA metro · median 5.04% APR
- 3.70%APRas low as
Terms
Current promotion for qualified borrowers. Vehicle must be 2024 or newer with no more than 1,000 miles. Fixed APR of 3.70% with monthly payments of $18.28 per $1,000 borrowed. Proof of income required at funding.
Auto loan score 94 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 3.84%APRas low as
Terms
Rates as low as stated APR. Assumes excellent credit. In partnership with TrueCar.
Auto loan score 91 · Carrot Score 96
Rate checked · Auto loans rates on its site
Rates and branches - 2.75%APRas low asunusually low · being checked
Terms
Available for $35,000+ loans on current model year; fixed rate
Auto loan score 94
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As low as rate based on credit score, best rate available for 36 Months. Rates increase based on term, score, and LTV. Up to 125% of MSRP including tax, tags, warranties, and GAP Insurance. Assumes direct deposit re-payment (add 0.25% without direct deposit or auto transfer).
Auto loan score 94 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 4.00%APRas low as · up to 10.75%
4.00% APR, up to 10.75%
Auto loan score 92 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 4.00%APRas low as · up to 10.25%
4.00% APR, up to 10.25%
Terms
Zero Down Payment. Performance based lending rates apply.
Auto loan score 92 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 4.39%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates as low as 4.39% APR with terms up to 84 months. Rate includes a 0.25% discount for Auto Pay / auto deduct from a Choice One share or share draft account. Up to 110% financing on vehicles.
Auto loan score 88 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - P&G Mehoopany Employees Federal Credit UnionNew and Used Auto Loan · up to 96 months
Credit union · 3 branches
4.90%APRas low as · up to 17.50%4.90% APR, up to 17.50%
Terms
Payment Example: A 60 month new-used auto loan with a 5.50% fixed APR would have monthly payments of $19.11 per $1,000 borrowed.
Auto loan score 86 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Auto loan score 81 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Monthly payment is $18.91 per $1,000 based on maximum term of 60 months. Subject to credit approval. Reduced rate with automatic payment from a FKCB checking account.
Auto loan score 75 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 5.04%APRas low as
Terms
Rates as low as 5.04% APR. New autos financed up to 84 months. Qualification based on creditworthiness and underwriting standards.
Auto loan score 81 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - Cross Valley Federal Credit UnionNew / Used Car, Truck, SUV Loan (2021 - 2026) · up to 60 months
Credit union · 6 branches
5.04%APRas low asAuto loan score 80 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - Wyoming Valley Educational Employees Federal Credit UnionVehicle Loans · up to 60 months
Credit union · 3 branches
5.25%APRas low asTerms
2027, 2026 (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 77 · Carrot Score 83
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 - 5.42%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New/Used Cars 2024 & Above. Stated rate/APR for excellent credit with auto-pay from a Fidelity Bank checking account; payment example based on $25,000 financed. Single advertised APR is not a maximum; actual APR varies with credit history, product, term, loan amount, and finance charges. Consumer loans subject to $75 document preparation fee and $30.80 credit report fee.
Auto loan score 69 · Carrot Score 65
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 Scranton, PA metro
23 banks and credit unions · checked Oct 16–22
- Typical
- 5.04%
- Top 10% up to
- 3.87%
- Banks, typical
- 6.24%
- Credit unions, typical
- 4.64%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Scranton, PA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- PenFed Credit UnionCredit union · 1 branch
- Corner PostCredit union · 1 branch
- CityMark FCUCredit union · 6 branches