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 181–195 of 231 in Pennsylvania · median 5.24% APR
- 5.99%APRas low as
Terms
For vehicle model years 2022 to 2026.
Auto loan score 66 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
Model year 2026/2025. Term based on vehicle value up to 72 months.
Auto loan score 66 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
As low as 5.99% for up to 72 months.
Auto loan score 64 · Carrot Score 61
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 - 5.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates include a 0.25% discount for repayment made via payroll deduction or an automatic payment. All loans subject to credit approval. Loan rates are determined by personal credit history and term of loan. Must be a member for 60 days to apply for any loan.
Auto loan score 63
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 65 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 6.00%APRas low as
- 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 - 6.09%APRas low as
Terms
Up to 63 Months
Auto loan score 65 · Carrot Score 84
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 - Arize Federal Credit UnionNew Vehicles — 2026, 2025 & New 2024 · up to 60 months
Credit union · 3 branches
6.24%APRas low as · up to 18.00%6.24% APR, up to 18.00%
Terms
Rates based on creditworthiness. Minimum loan amount is $5,000. For LTV > 100% up to 110%, add 0.50 percentage points.
Auto loan score 63 · 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 · 4 branches
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 - 6.25%APRas low as
Terms
Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
Auto loan score 64 · Carrot Score 84
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 - 6.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Payment per $1,000 is $18.06. Requires monthly payment auto-drafted from PennCrest BANK checking account.
Auto loan score 62 · Carrot Score 72
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 Pennsylvania
231 banks and credit unions · checked Oct 16–23
- Typical
- 5.24%
- Top 10% up to
- 4.29%
- Banks, typical
- 6.99%
- Credit unions, typical
- 4.99%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Pennsylvania
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Americo FCUCredit union · 2 branches
- FirstEnergy Choice FCUCredit union · 1 branch
- PenFed Credit UnionCredit union · 1 branch