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 1–7 of 7 in Johnstown, PA · median 4.75% APR
- 4.25%APRas low as
Terms
2026 (or) 2025 (Never Titled). Add .5% for 72 months for qualifying vehicles; add 1.00% for 84 months for qualifying vehicles.
Auto loan score 87 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
New 2025-2026 (includes motorcycles). Starting at rate.
Auto loan score 86 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Model years 2026, 2025. Lower interest rate for 48 & 60 month terms are only offered for New Vehicles with A+, A, & B scores. Rate based on credit worthiness. Rates listed are as low as.
Auto loan score 85 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
Limited time loan special for new vehicle purchases or refinancing.
Auto loan score 87 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 6.00%APRas low as
Terms
New/Used Car (2022-2026). Insurance Required - Purchase only - Closing costs charged.
Auto loan score 64 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - USSCO Johnstown Federal Credit UnionNew Vehicles 2025 - 2026 · up to 60 months
Credit union · 1 branch
6.25%APRas low asTerms
Up to 60 months
Auto loan score 64 · Carrot Score 64
Rate checked · Auto loans rates on its site
Rates and branches - 6.92%APRas low as
Terms
Brand New, Previously Untitled vehicles. Maximum term 72 months. Estimated monthly payment $170.11 based on a $10,000 loan amount. A 0.25% discount is available for automatic debit from an AmeriServ deposit account.
Auto loan score 61 · Carrot Score 62
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 Johnstown, PA
7 banks and credit unions · checked Oct 7–16
- Typical
- 4.75%
- Top 10% up to
- 4.39%
- Banks, typical
- 6.46%
- Credit unions, typical
- 4.50%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Johnstown, PA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- PRR South Fork Federal Credit UnionCredit union · 2 branches