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 1–13 of 13 in York, PA metro · median 5.44% APR
- 3.99%APRas low as
Terms
Model Year: 2025 - 2027
Auto loan score 94 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Terms
PROMO: MORE HOLIDAY JOY. LESS HOLIDAY STRESS. Valid on new vehicles defined as 2026-2027 and never been titled. Minimum loan amount $20,000. 700 credit score and above. Maximum LTV 115%. Offers are for dealer purchases only (no private sales) and limited to 2024 or newer makes/models. No payments for up to first 90 days (interest will accrue). Cannot be combined with any other offer other than the First Capital StarRewards® 3-star discount. Promotion may be withdrawn at any time. Effective October 1 – December 31, 2026.
Auto loan score 93 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rates as low as. Monthly Payment per $1,000 Borrowed is $18.87.
Auto loan score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.15%APRas low as
Terms
As low as APR for terms 37 - 60 months. APR and loan approval based on creditworthiness, loan term, loan to value, and age of collateral. Refinancing of existing 1st Ed loans does not qualify.
Auto loan score 81 · Carrot Score 87
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 - 5.44%APRas low as
Terms
With qualifying credit.
Auto loan score 71 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
New vehicles. Rate is based on applicant creditworthiness.
Auto loan score 70 · Carrot Score 89
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
Model Year 2026 – 2027 (New Vehicles). Must be current or prior year model and must not have been previously titled. Selling price must be $20,000 or greater. Tax, title, tags and optional products. Max LTV is 125% MSRP. Based on 'A+' credit and requires autopay.
Auto loan score 85 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 6.25%APRas low as
Terms
Rates available to qualified members only and based on certain credit standards.
Auto loan score 62 · Carrot Score 78
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 - 7.34%APRas low as · up to 13.59%with conditions
7.34% APR, up to 13.59%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
For new and used 1-3 year old automobiles not exceeding 125% LTV. Minimum loan amount $2,500.
Auto loan score 61 · Carrot Score 78
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 York, PA metro
13 banks and credit unions · checked Oct 16–22
- Typical
- 5.44%
- Top 10% up to
- 4.19%
- Banks, typical
- 6.79%
- Credit unions, typical
- 5.34%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
York, PA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- AmeriChoice Federal Credit UnionCredit union · 1 branch
- Heritage Valley Federal Credit UnionCredit union · 3 branches
- First Capital Federal Credit UnionCredit union · 6 branches