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 231 in Pennsylvania · median 5.24% APR
- Mountain Laurel Federal Credit UnionDRIVE4LESS (New 2025 - 2026) · up to 72 months
Credit union · 6 branches
4.49%APRas low asAuto loan score 89 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
2021 - 2026 (> 50,000 Miles)
Auto loan score 89 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as · up to 18.00%
4.49% APR, up to 18.00%
Terms
Rate determined by credit score. Maximum rate is 18%. Add-ons apply. Maximum loan terms are based on loan amount. Applications subject to credit approval. Collateral must meet minimum underwriting standards.
Auto loan score 89 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
New 2026 - 2027 model years. Up to 60 Months.
Auto loan score 88 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
New Vehicles (60 months)
Auto loan score 88 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Auto loan score 86 · Carrot Score 82
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 - 4.49%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Standard APR as low as 4.49%. Rate is based on vehicles 5 model years or newer with less than 150,000 miles.
Auto loan score 86 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - Allegheny Central Employees Federal Credit UnionNew Vehicle Loans · up to 60 months
Credit union · 1 branch
4.49%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Current Year + 2 Years (2026-2025-2024). Includes 0.50% discount for autopay/payroll deduction.
Auto loan score 85 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model Year New 2026 – 2024 (Untitled). As low as rate. Includes 0.25% discount for automatic deduction of payment from deposit account with e-statements. Rates shown are for qualified borrowers.
Auto loan score 85 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New Auto & Motorcycles (2027-2025). Assume less than 90% LTV. Includes 0.25% discount for automatic payment from a TCAFCU account.
Auto loan score 81 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as · up to 16.25%
4.50% APR, up to 16.25%
Terms
Lowest rate requires score 730+ (Grade A+); highest rate applies to score 549 or Less (Grade E).
Auto loan score 89 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Credit Score 650+
Auto loan score 89
Rate checked · Auto loans rates on its site
Rates and branches - USPS Federal Credit UnionHybrid & Electric Vehicles Auto Loan · up to 84 months
Credit union · 1 branch
4.50%APRas low aswith conditionsThis rate needs a checking account, direct deposit or relationship with the lender.
Terms
As low as 3.50% APR with Relationship Rewards. 0.25% off regular auto loan rates for hybrid and electric vehicles. Terms up to 84 months.
Auto loan score 89 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Rates as low as stated APR for term 37 - 60 months.
Auto loan score 87 · Carrot Score 86
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 16–22
- 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