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Pennsylvania Best Auto Loan Rates - September 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Pennsylvania. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Pennsylvania include United Federal Credit UnionUnited Federal Credit Union4703 Hamilton Blvd, Allentown, PA, 18103A+5.0 ★Texas Ratio: 3.23% offering Auto Loan at 2.99%, First Peoples Community Federal Credit UnionFirst Peoples Community Federal Credit Union7026 MASON DIXON HWY, MEYERSDALE, PA, 15552 6929A+5.0 ★Texas Ratio: 1.23% offering 72-Month Auto Loan Promo at 2.99%, Polish And Slavic Federal Credit UnionPolish And Slavic Federal Credit Union334 N 9th St, Stroudsburg, PA, 18360 1804A+5.0 ★Texas Ratio: 1.36% offering New Auto Loan at 2.99%, Bradford Area Federal Credit UnionBradford Area Federal Credit Union52 Davis St, Bradford, PA, 16701 2016A+5.0 ★Texas Ratio: 2.30% offering Vehicle Loan at 3.00%, First Choice Federal Credit UnionFirst Choice Federal Credit Union2209 W State St, New Castle, PA, 16101 1138A+5.0 ★Texas Ratio: 5.54% offering New Autos | Never Titled at 3.24%. Auto loan rates as of September 21, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across Pennsylvania side-by-side. Pennsylvania auto loan rates currently start as low as 2.99% APR from United Federal Credit Union at 4703 Hamilton Blvd, Allentown, PA, 18103. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Pennsylvania. Auto Loan Rates Last Updated and Verified: September 21, 2026
Compare Auto Loan Rates Today in Pennsylvania
Pennsylvania Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.23%
4703 Hamilton Blvd, Allentown, PA, 18103
Auto Loan
2.99%
36 months
▼
APR2.99%
Term36 months
Last UpdatedSep 18, 2026
Details
with autopay from a United checking account.
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
7026 MASON DIXON HWY, MEYERSDALE, PA, 15552 6929
72-Month Auto Loan Promo
2.99%
0-72 months
▼
APR2.99%
Term0-72 months
Last UpdatedSep 21, 2026
Details
As low as; 2023 & newer; with less than 45,000 miles and valued at $15,000 or more
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
334 N 9th St, Stroudsburg, PA, 18360 1804
New Auto Loan
2.99%
4 years
▼
APR2.99%
Interest Rate2.99%
Term4 years
Last UpdatedSep 21, 2026
Details
As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
334 N 9th St, Stroudsburg, PA, 18360 1804
New Auto Loan
2.99%
3 years
▼
APR2.99%
Interest Rate2.99%
Term3 years
Last UpdatedSep 21, 2026
Details
As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
334 N 9th St, Stroudsburg, PA, 18360 1804
New Auto Loan
2.99%
2 years
▼
APR2.99%
Interest Rate2.99%
Term2 years
Last UpdatedSep 21, 2026
Details
As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
334 N 9th St, Stroudsburg, PA, 18360 1804
New Auto Loan
2.99%
1 year
▼
APR2.99%
Interest Rate2.99%
Term1 year
Last UpdatedSep 21, 2026
Details
As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
Bradford Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.30%
52 Davis St, Bradford, PA, 16701 2016
Vehicle Loan
3.00%
Up to 48 Months
▼
APR3.00%
TermUp to 48 Months
Last UpdatedSep 21, 2026
Details
As low as; Model Year: 2026-2025
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
2209 W State St, New Castle, PA, 16101 1138
New Autos | Never Titled
3.24%
Up to 40 months
▼
APR3.24%
TermUp to 40 months
Last UpdatedSep 20, 2026
Details
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
566 S Main St, Wilkes Barre, PA, 18701 2102
New Vehicles Loan
3.25%
12 mos.
▼
APR3.25%
Term12 mos.
Last UpdatedSep 16, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
566 S Main St, Wilkes Barre, PA, 18701 2102
New Vehicles Loan
3.25%
24 mos.
▼
APR3.25%
Term24 mos.
Last UpdatedSep 16, 2026
Details
APR*
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
7026 MASON DIXON HWY, MEYERSDALE, PA, 15552 6929
Auto Loans
3.25%
0-36 months
▼
APR3.25%
Term0-36 months
Last UpdatedSep 21, 2026
Details
2023 & newer; As low as
Bradford Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.30%
52 Davis St, Bradford, PA, 16701 2016
Vehicle Loan
3.25%
Up to 60 Months
▼
APR3.25%
TermUp to 60 Months
Last UpdatedSep 21, 2026
Details
As low as; Model Year: 2026-2025
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
8500 Essington Ave Ste B, Philadelphia, PA, 19153 3716
New Auto
3.34%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedSep 21, 2026
Details
As Low As
VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
247 WILKES BARRE TOWNSHIP BLVD, WILKES BARRE, PA, 18702 6705
New Vehicle Loan
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedSep 18, 2026
Details
Zero Down Payment
VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
247 WILKES BARRE TOWNSHIP BLVD, WILKES BARRE, PA, 18702 6705
New Vehicle Loan
3.49%
48 Months
▼
APR3.49%
Term48 Months
Last UpdatedSep 18, 2026
Details
Zero Down Payment
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
2209 W State St, New Castle, PA, 16101 1138
Used Autos
3.49%
Up to 40 Months
▼
APR3.49%
TermUp to 40 Months
Last UpdatedSep 20, 2026
Details
Model Year: 2026 - 2024
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
7026 MASON DIXON HWY, MEYERSDALE, PA, 15552 6929
Auto Loans
3.49%
37-48 months
▼
APR3.49%
Term37-48 months
Last UpdatedSep 21, 2026
Details
2023 & newer; As low as
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
566 S Main St, Wilkes Barre, PA, 18701 2102
New Vehicles Loan
3.50%
36 mos.
▼
APR3.50%
Term36 mos.
Last UpdatedSep 16, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
566 S Main St, Wilkes Barre, PA, 18701 2102
Used Vehicles - (3-4 Years Old) JD Power Book Price - 90% Financed Loan
3.50%
12 mos.
▼
APR3.50%
Term12 mos.
Last UpdatedSep 16, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
566 S Main St, Wilkes Barre, PA, 18701 2102
Used Vehicles - (5 Years & Older) JD Power Book Price - 85% Financed Loan
3.50%
12 mos.
▼
APR3.50%
Term12 mos.
Last UpdatedSep 16, 2026
Details
APR range: 3.50% - 9.00% APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
566 S Main St, Wilkes Barre, PA, 18701 2102
Used Vehicles - Up To 2 Years Old - 100% Financed Loan
3.50%
12 mos.
▼
APR3.50%
Term12 mos.
Last UpdatedSep 16, 2026
Details
APR*
Fayette Federal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
364 Morgantown St, Uniontown, PA, 15401
New Vehicle Loans
3.50%
36 months
▼
APR3.50%
Term36 months
Last UpdatedSep 21, 2026
Details
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
334 N 9th St, Stroudsburg, PA, 18360 1804
New Auto Loan
3.50%
5 years
▼
APR3.50%
Interest Rate3.50%
Term5 years
Last UpdatedSep 21, 2026
Details
As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
UFCW COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
377 Wyoming Ave, Wyoming, PA, 18644
New Vehicle Loans
3.70%
Up to 84 months
▼
APR3.70%
TermUp to 84 months
Last UpdatedSep 18, 2026
Details
As low as
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
2209 W State St, New Castle, PA, 16101 1138
New Autos | Never Titled
3.74%
41-52 months
▼
APR3.74%
Term41-52 months
Last UpdatedSep 20, 2026
Details
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
566 S Main St, Wilkes Barre, PA, 18701 2102
New Vehicles Loan
3.75%
48 mos.
▼
APR3.75%
Term48 mos.
Last UpdatedSep 16, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
566 S Main St, Wilkes Barre, PA, 18701 2102
Used Vehicles - (3-4 Years Old) JD Power Book Price - 90% Financed Loan
3.75%
24 mos.
▼
APR3.75%
Term24 mos.
Last UpdatedSep 16, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
566 S Main St, Wilkes Barre, PA, 18701 2102
Used Vehicles - (5 Years & Older) JD Power Book Price - 85% Financed Loan
3.75%
24 mos.
▼
APR3.75%
Term24 mos.
Last UpdatedSep 16, 2026
Details
APR range: 3.75% - 9.50% APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
566 S Main St, Wilkes Barre, PA, 18701 2102
Used Vehicles - Up To 2 Years Old - 100% Financed Loan
3.75%
24 mos.
▼
APR3.75%
Term24 mos.
Last UpdatedSep 16, 2026
Details
APR*
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
1001 California Ave, Pittsburgh, PA, 15290
Vehicle Loans
3.75%
36 Month Term
▼
APR3.75%
Interest Rate3.75%
Term36 Month Term
Last UpdatedSep 18, 2026
Details
As low as with Relationship Rewards
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
5 Hot Metal St Ste 201, Pittsburgh, PA, 15203 2351
New / Used Vehicles
3.75%
48 months
▼
APR3.75%
Interest Rate3.75%
Term48 months
Last UpdatedSep 21, 2026
Details
Published rate range: 3.75%-12.80%.
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
5 Hot Metal St Ste 201, Pittsburgh, PA, 15203 2351
New / Used Vehicles
3.75%
36 months
▼
APR3.75%
Interest Rate3.75%
Term36 months
Last UpdatedSep 21, 2026
Details
Published rate range: 3.75%-12.75%.
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
5 Hot Metal St Ste 201, Pittsburgh, PA, 15203 2351
New / Used Vehicles Loan
3.75%
up to 84 Months
▼
APR3.75%
Termup to 84 Months
Last UpdatedSep 21, 2026
Details
New vehicle can be financed up to 84 Months. Used vehicle can be financed up to 72 Months. Certain limitations may apply.
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
5 Hot Metal St Ste 201, Pittsburgh, PA, 15203 2351
New Vehicles Loan
3.75%
up to 84 Months
▼
APR3.75%
Termup to 84 Months
Last UpdatedSep 21, 2026
Details
Published APR range: 3.75%-11.70%.
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
8500 Essington Ave Ste B, Philadelphia, PA, 19153 3716
Used Auto
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedSep 21, 2026
Details
As Low As
UFCW LOCAL 23
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
345 Southpointe Blvd, Canonsburg, PA, 15317
New Auto 2025-2024
3.90%
6 years
▼
APR3.90%
Interest Rate3.90%
Term6 years
Last UpdatedSep 18, 2026
Details
General Electric Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
230 Mall Blvd Bldg 100, King of Prussia, PA, 19406 2902
Vehicle Loan
3.99%
Up to 48 months
▼
APR3.99%
TermUp to 48 months
Last UpdatedSep 16, 2026
Details
As Low As
General Electric Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
230 Mall Blvd Bldg 100, King of Prussia, PA, 19406 2902
Vehicle Loan
3.99%
Up to 60 months
▼
APR3.99%
TermUp to 60 months
Last UpdatedSep 16, 2026
Details
As Low As
General Electric Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
230 Mall Blvd Bldg 100, King of Prussia, PA, 19406 2902
Vehicle Loan
3.99%
Up to 48 months
▼
APR3.99%
TermUp to 48 months
Last UpdatedSep 16, 2026
Details
As Low As; Fixed
General Electric Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
230 Mall Blvd Bldg 100, King of Prussia, PA, 19406 2902
Vehicle Loan
3.99%
Up to 60 months
▼
APR3.99%
TermUp to 60 months
Last UpdatedSep 16, 2026
Details
As Low As; Fixed
Stanwood Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
444 Arona Rd, New Stanton, PA, 15672
New Auto
3.99%
36 Months
▼
APR3.99%
Interest Rate3.99%
Term36 Months
Last UpdatedSep 16, 2026
Details
HERITAGE VALLEY
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
2400 Pleasant Valley Rd, York, PA, 17402 9624
Auto Loan - 2024
3.99%
Up to 48 Months
▼
APR3.99%
TermUp to 48 Months
Last UpdatedSep 18, 2026
Details
As Low As; Model Year: 2024
HERITAGE VALLEY
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
2400 Pleasant Valley Rd, York, PA, 17402 9624
Auto Loan - 2024
3.99%
49 to 60 Months
▼
APR3.99%
Term49 to 60 Months
Last UpdatedSep 18, 2026
Details
As Low As; Model Year: 2024
HERITAGE VALLEY
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
2400 Pleasant Valley Rd, York, PA, 17402 9624
Auto Loan - 2025 - 2027
3.99%
Up to 48 Months
▼
APR3.99%
TermUp to 48 Months
Last UpdatedSep 18, 2026
Details
As Low As; Model Year: 2025 - 2027
HERITAGE VALLEY
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
2400 Pleasant Valley Rd, York, PA, 17402 9624
Auto Loan - 2025 - 2027
3.99%
49 to 60 Months
▼
APR3.99%
Term49 to 60 Months
Last UpdatedSep 18, 2026
Details
As Low As; Model Year: 2025 - 2027
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 6.83%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles Loan
3.99%
up to 36 months
▼
APR3.99%
Termup to 36 months
Last UpdatedSep 18, 2026
Details
As Low As; w/ Auto Pay Discount: 3.89%
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
7026 MASON DIXON HWY, MEYERSDALE, PA, 15552 6929
Auto Loans
3.99%
49-60 months
▼
APR3.99%
Term49-60 months
Last UpdatedSep 21, 2026
Details
2023 & newer; As low as
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
7026 MASON DIXON HWY, MEYERSDALE, PA, 15552 6929
Auto Loans
3.99%
0-36 months
▼
APR3.99%
Term0-36 months
Last UpdatedSep 21, 2026
Details
2018-2022; As low as
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
4139 E State St, Hermitage, PA, 16148 3402
New Auto Loan
3.99%
up to 60 months
▼
APR3.99%
Termup to 60 months
Last UpdatedSep 21, 2026
Details
Model Years 2024-2026
Citymark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.07%
40 E Market St, Wilkes Barre, PA, 18711
New Car Loan
3.99%
Up to 96 months
▼
APR3.99%
TermUp to 96 months
Last UpdatedSep 21, 2026
Details
As low as; (based on credit score)
Citymark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.07%
40 E Market St, Wilkes Barre, PA, 18711
Used Car Loan
3.99%
Up to 96 months
▼
APR3.99%
TermUp to 96 months
Last UpdatedSep 21, 2026
Details
As low as; (based on credit score); Loan Amount: Up to 125% of the NADA value.
UFCW Local 1776 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
3031A Walton Rd Ste 310, Plymouth Meeting, PA, 19462 2369
New Vehicles Loan
3.99%
5 Years
▼
APR3.99%
Term5 Years
Last UpdatedSep 21, 2026
Details
As Low As; New Vehicles
Mountain Laurel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
413 S Michael St, Saint Marys, PA, 15857
New Vehicle Loan
3.99%
up to 48 mo.
▼
APR3.99%
Termup to 48 mo.
Last UpdatedSep 21, 2026
Details
New Vehicle (2025- 2026)
Mountain Laurel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
413 S Michael St, Saint Marys, PA, 15857
New Vehicle Loan
3.99%
up to 60 mo.
▼
APR3.99%
Termup to 60 mo.
Last UpdatedSep 21, 2026
Details
New Vehicle (2025- 2026)
Mountain Laurel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
413 S Michael St, Saint Marys, PA, 15857
New Vehicle Loan
3.99%
up to 72 mo.
▼
APR3.99%
Termup to 72 mo.
Last UpdatedSep 21, 2026
Details
New Vehicle (2025- 2026)
Mountain Laurel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
413 S Michael St, Saint Marys, PA, 15857
Used Vehicle Loan
3.99%
up to 48 mo.
▼
APR3.99%
Termup to 48 mo.
Last UpdatedSep 21, 2026
Details
Used Vehicle (2018 - 2025)
Mountain Laurel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
413 S Michael St, Saint Marys, PA, 15857
Used Vehicle Loan
3.99%
up to 60 mo.
▼
APR3.99%
Termup to 60 mo.
Last UpdatedSep 21, 2026
Details
Used Vehicle (2018 - 2025)
Mountain Laurel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
413 S Michael St, Saint Marys, PA, 15857
Used Vehicle Loan
3.99%
up to 72 mo.
▼
APR3.99%
Termup to 72 mo.
Last UpdatedSep 21, 2026
Details
Used Vehicle (2018 - 2025)
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
334 N 9th St, Stroudsburg, PA, 18360 1804
Used Auto Loans
3.99%
4 years
▼
APR3.99%
Interest Rate3.99%
Term4 years
Last UpdatedSep 21, 2026
Details
Rate: 3.990%; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
334 N 9th St, Stroudsburg, PA, 18360 1804
Used Auto Loans
3.99%
3 years
▼
APR3.99%
Interest Rate3.99%
Term3 years
Last UpdatedSep 21, 2026
Details
Rate: 3.990%; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
334 N 9th St, Stroudsburg, PA, 18360 1804
Used Auto Loans
3.99%
2 years
▼
APR3.99%
Interest Rate3.99%
Term2 years
Last UpdatedSep 21, 2026
Details
Rate: 3.990%; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
334 N 9th St, Stroudsburg, PA, 18360 1804
Used Auto Loans
3.99%
1 year
▼
APR3.99%
Interest Rate3.99%
Term1 year
Last UpdatedSep 21, 2026
Details
Rate: 3.990%; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
1601 Kenneth Rd, York, PA, 17408 2228
Auto Loans
3.99%
up to 72 Months
▼
APR3.99%
Interest Rate3.99%
Termup to 72 Months
Last UpdatedSep 21, 2026
Details
Minimum loan amount for this offer is $20,000.00. Minimum credit score of 650. Offer valid on new money only and cannot be used on existing First Capital Federal Credit Union loans. Valid on automobile and motorcycle purchases only. Maximum Loan to Value (LTV) on 72 Month Term will be 115%. Additional restrictions may apply. Effective August 1 - September 30, 2026.
Freedom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.95%
626 Jacksonville Rd, Warminster, PA, 18974 4862
Auto Loan
3.99%
66 months
▼
APR3.99%
Term66 months
Last UpdatedSep 21, 2026
Details
As low as 3.99% APR for terms up to 66 months. Loan amount must be $3,000 or greater. You must meet employment and/or income requirements to qualify for a loan. The interest rate you receive will be based on your credit history, loan term, and age of the vehicle. APR will not be less than 3.99% or greater than 17.90%. For example, a loan amount of $20,000 at 3.99% APR for 60 months would be a monthly payment of $368.87. Satisfactory vehicle insurance required. Your actual loan amount will be limited based on the value of the specific vehicle that you are financing. Only passenger vehicles are eligible, no recreational vehicles. Existing Freedom Loans are not eligible for refinancing. Credit Union membership eligibility requirements apply. Loan term cannot be less than 6 months or greater than 84 months. Rates are subject to change without notice.
Grove City Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.13%
1 CREDIT UNION WAY, GROVE CITY, PA, 16127
New Auto
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedSep 12, 2026
Details
As Low As
G.A.P. Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
111 Franklin St Rm 224, Johnstown, PA, 15901
New Vehicle (2026, 2025) Loan
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedSep 14, 2026
Details
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
566 S Main St, Wilkes Barre, PA, 18701 2102
New Vehicles Loan
4.00%
60 mos.
▼
APR4.00%
Term60 mos.
Last UpdatedSep 16, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
566 S Main St, Wilkes Barre, PA, 18701 2102
Used Vehicles - (3-4 Years Old) JD Power Book Price - 90% Financed Loan
4.00%
36 mos.
▼
APR4.00%
Term36 mos.
Last UpdatedSep 16, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
566 S Main St, Wilkes Barre, PA, 18701 2102
Used Vehicles - (5 Years & Older) JD Power Book Price - 85% Financed Loan
4.00%
36 mos.
▼
APR4.00%
Term36 mos.
Last UpdatedSep 16, 2026
Details
APR range: 4.00% - 10.00% APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
566 S Main St, Wilkes Barre, PA, 18701 2102
Used Vehicles - Up To 2 Years Old - 100% Financed Loan
4.00%
36 mos.
▼
APR4.00%
Term36 mos.
Last UpdatedSep 16, 2026
Details
APR*
VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
247 WILKES BARRE TOWNSHIP BLVD, WILKES BARRE, PA, 18702 6705
New Vehicle Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedSep 18, 2026
Details
Zero Down Payment
Fayette Federal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
364 Morgantown St, Uniontown, PA, 15401
New Vehicle Loans
4.00%
48 months
▼
APR4.00%
Term48 months
Last UpdatedSep 21, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
111 Parkwest Dr, Pittsburgh, PA, 15275 1112
New/Used Vehicles - 730+ Score Loan
4.00%
24 Mo.
▼
APR4.00%
Interest Rate4.00%
Term24 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A+
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
111 Parkwest Dr, Pittsburgh, PA, 15275 1112
New/Used Vehicles - 730+ Score Loan
4.00%
36 Mo.
▼
APR4.00%
Interest Rate4.00%
Term36 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A+
Bradford Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.30%
52 Davis St, Bradford, PA, 16701 2016
Vehicle Loan
4.00%
Up to 72 Months
▼
APR4.00%
TermUp to 72 Months
Last UpdatedSep 21, 2026
Details
As low as; Model Year: 2026-2025
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
501 Hamilton St, Allentown, PA, 18101
New Autos
4.00%
Up to 36 months
▼
APR4.00%
TermUp to 36 months
Last UpdatedSep 21, 2026
Details
Published APR range: 4.00 - 6.00%.
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
5 Hot Metal St Ste 201, Pittsburgh, PA, 15203 2351
New / Used Vehicles
4.00%
60 months
▼
APR4.00%
Interest Rate4.00%
Term60 months
Last UpdatedSep 21, 2026
Details
Published rate range: 4.00%-13.50%.
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2014 Laubach Ave, Northampton, PA, 18067 1351
New Autos
4.00%
Up to 36 months
▼
APR4.00%
TermUp to 36 months
Last UpdatedSep 21, 2026
Details
Published APR range: 4.00% - 6.00%.
Bradford Area School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.67%
125 Main St Rm 206, Bradford, PA, 16701
Brand New Vehicle Loan
4.00%
0 - 60 months
▼
APR4.00%
Term0 - 60 months
Last UpdatedSep 21, 2026
Details
Credit Score: A; Never Been Titled
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.23%
4703 Hamilton Blvd, Allentown, PA, 18103
Fixed Rate New & Used Auto Loans - Up to 60 Months
4.05%
Up to 60 Months
▼
APR4.05%
TermUp to 60 Months
Last UpdatedSep 18, 2026
Details
Vehicle Model Years: All Years**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
8500 Essington Ave Ste B, Philadelphia, PA, 19153 3716
New Auto
4.09%
Up to 60 months
▼
APR4.09%
TermUp to 60 months
Last UpdatedSep 21, 2026
Details
As Low As
I B E W LOCAL 56
Institution Rating:
A5.0 ★ Texas Ratio: 9.60%
962 W 20TH ST, Erie, PA, 16502 2401
New Vehicle Loans - All Automobiles, Trucks, Motorcycles and Motor Homes
4.10%
24 Months
▼
APR4.10%
Term24 Months
Last UpdatedSep 18, 2026
Details
Rates as Low as*
PennTech Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
409 Center St Ste C, Johnsonburg, PA, 15845 1307
New or Used Vehicles Loan
4.15%
3 YEAR REPAY
▼
APR4.15%
Term3 YEAR REPAY
Last UpdatedSep 21, 2026
Details
As Low As; 2025 to 2026
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
640 Baltimore Dr, Wilkes Barre, PA, 18702 7943
New / Used 2021-2026 Auto Loan
4.19%
36-48 months
▼
APR4.19%
Term36-48 months
Last UpdatedSep 21, 2026
Details
Utilities Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.38%
11 Meridian Blvd, Wyomissing, PA, 19610
Auto Loans
4.24%
up to 36 Months
▼
APR4.24%
Termup to 36 Months
Last UpdatedSep 18, 2026
Details
As Low As; Lowest rates are for qualified applicants and dependent on opening and maintaining an active UECU Checking Account (excluding Green Light CheckingTM) with at least one transaction per month. Rates will vary based on an evaluation of credit, term, loan to value, and/or collateral evaluation if applicable. Not all applicants will quality. Actual rate may differ. Share Secured Loan is 100% secured by funds in your share savings account. Other fees, terms, and conditions may apply for each loan type. Information provided herein is subject to change without notice.
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 6.83%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles Loan
4.24%
37 - 48 months
▼
APR4.24%
Term37 - 48 months
Last UpdatedSep 18, 2026
Details
As Low As; w/ Auto Pay Discount: 4.14%
Tri State Rail Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
711 Linden Ave, East Pittsburgh, PA, 15112
Vehicle Loan
4.24%
0 - 24 Months
▼
APR4.24%
Term0 - 24 Months
Last UpdatedSep 18, 2026
Details
Model Year: 2021 - 2026; Mileage: <50,0000 miles
Tri State Rail Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
711 Linden Ave, East Pittsburgh, PA, 15112
Vehicle Loan
4.24%
25 - 36 Months
▼
APR4.24%
Term25 - 36 Months
Last UpdatedSep 18, 2026
Details
Model Year: 2021 - 2026; Mileage: <50,0000 miles
Tri State Rail Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
711 Linden Ave, East Pittsburgh, PA, 15112
Vehicle Loan
4.24%
37 - 48 Months
▼
APR4.24%
Term37 - 48 Months
Last UpdatedSep 18, 2026
Details
Model Year: 2021 - 2026; Mileage: <50,0000 miles
Tri State Rail Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
711 Linden Ave, East Pittsburgh, PA, 15112
Vehicle Loan
4.24%
49 - 60 Months
▼
APR4.24%
Term49 - 60 Months
Last UpdatedSep 18, 2026
Details
Model Year: 2021 - 2026; Mileage: <50,0000 miles
Tri County Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
1550 Medical Dr, Pottstown, PA, 19464 3225
New Auto & Motorcycles (2027-2025)
4.24%
0 to 36 Months
▼
APR4.24%
Term0 to 36 Months
Last UpdatedSep 18, 2026
Details
As Low As; Minimum Loan Amount - $15,000
Tri County Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
1550 Medical Dr, Pottstown, PA, 19464 3225
Used Auto & Motorcycles (2025-2019)
4.24%
0 to 36 Months
▼
APR4.24%
Term0 to 36 Months
Last UpdatedSep 18, 2026
Details
As Low As; Minimum Loan Amount - $15,000
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
1640 High St, Williamsport, PA, 17701
Fixed Rate Auto Loan
4.24%
72 months
▼
APR4.24%
Term72 months
Last UpdatedSep 20, 2026
Details
APR=Annual Percentage Rate. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness and terms of loan. Rates displayed above include a 0.50% rate discount for automatic payments out of an active WBVFCU account and a monthly direct deposit. Must take $2,500 in new money on all in-house refinances. New current year untitled vehicles can be financed for up to 84 months. Financing is determined using 125% of the NADA retail and loan value including tax, title and transfer. Rates and eligibility are based on your credit report.
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
1640 High St, Williamsport, PA, 17701
Vehicle Loan (2018- 2027 Model Year)
4.24%
Up to 60 Months
▼
APR4.24%
Interest Rate4.24%
TermUp to 60 Months
Last UpdatedSep 20, 2026
Details
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
1640 High St, Williamsport, PA, 17701
Vehicle Loan (2018- 2027 Model Year)
4.24%
2027 Mo
▼
APR4.24%
Interest Rate4.24%
Term2027 Mo
Last UpdatedSep 20, 2026
Details
minimum $20,000
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
2209 W State St, New Castle, PA, 16101 1138
New Autos | Never Titled
4.24%
53-64 months
▼
APR4.24%
Term53-64 months
Last UpdatedSep 20, 2026
Details
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
300 State St Ste 303, Erie, PA, 16507
New & Used Car Loan
4.24%
24 months
▼
APR4.24%
Term24 months
Last UpdatedSep 20, 2026
Details
Model Year 2027-2024; Credit Score between 660 and 719; Min. value of car $15,000
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
4139 E State St, Hermitage, PA, 16148 3402
New Auto Loan
4.24%
72 months
▼
APR4.24%
Term72 months
Last UpdatedSep 21, 2026
Details
Model Years 2024-2026
Grove City Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.13%
1 CREDIT UNION WAY, GROVE CITY, PA, 16127
New Auto
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedSep 12, 2026
Details
As Low As
PRR South Fork Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
220 Main St, South Fork, PA, 15956
New 2026-2025 Auto Loan
4.25%
Up To 84 Months
▼
APR4.25%
TermUp To 84 Months
Last UpdatedSep 14, 2026
Details
Financing %: 100%* (New)
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
566 S Main St, Wilkes Barre, PA, 18701 2102
New Vehicles Loan
4.25%
72 mos.
▼
APR4.25%
Term72 mos.
Last UpdatedSep 16, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
566 S Main St, Wilkes Barre, PA, 18701 2102
Used Vehicles - (3-4 Years Old) JD Power Book Price - 90% Financed Loan
4.25%
48 mos.
▼
APR4.25%
Term48 mos.
Last UpdatedSep 16, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
566 S Main St, Wilkes Barre, PA, 18701 2102
Used Vehicles - Up To 2 Years Old - 100% Financed Loan
4.25%
48 mos.
▼
APR4.25%
Term48 mos.
Last UpdatedSep 16, 2026
Details
APR*
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.64%
710 3rd Ave, New Brighton, PA, 15066 1830
New Car Loan
4.25%
Up to 3 years
▼
APR4.25%
Interest Rate4.25%
TermUp to 3 years
Last UpdatedSep 20, 2026
Details
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.64%
710 3rd Ave, New Brighton, PA, 15066 1830
Used Car Loans - 2024 - 2026 models
4.25%
3 years
▼
APR4.25%
Interest Rate4.25%
Term3 years
Last UpdatedSep 20, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
111 Parkwest Dr, Pittsburgh, PA, 15275 1112
New/Used Vehicles - 730+ Score Loan
4.25%
48 Mo.
▼
APR4.25%
Interest Rate4.25%
Term48 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A+
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
7026 MASON DIXON HWY, MEYERSDALE, PA, 15552 6929
Auto Loans
4.25%
37-48 months
▼
APR4.25%
Term37-48 months
Last UpdatedSep 21, 2026
Details
2018-2022; As low as
PennTech Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
409 Center St Ste C, Johnsonburg, PA, 15845 1307
New or Used Vehicles Loan
4.25%
4 YEAR REPAY
▼
APR4.25%
Term4 YEAR REPAY
Last UpdatedSep 21, 2026
Details
As Low As; 2025 to 2026
Bva Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.45%
608 Rostraver Rd, Belle Vernon, PA, 15012 1941
New Auto Loan
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedSep 21, 2026
Details
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
501 Hamilton St, Allentown, PA, 18101
Used Autos 2022 and newer
4.25%
Up to 36 months
▼
APR4.25%
TermUp to 36 months
Last UpdatedSep 21, 2026
Details
Published APR range: 4.25 - 6.25%. 80-90% NADA retail
Highway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.67%
405 Laurel St, Hughestown, PA, 18640
New Auto Loan
4.25%
24 Months Used 2017
▼
APR4.25%
Term24 Months Used 2017
Last UpdatedSep 21, 2026
Details
Fair Isaac Risk Score: 725-850
MERHO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
15 Irene St, Johnstown, PA, 15905 4124
New Car Loan
4.25%
Up to 60 Months
▼
APR4.25%
TermUp to 60 Months
Last UpdatedSep 21, 2026
Details
As low as; Add .5% for 72 months for qualifying vehicles; Add 1.00% for 84 months for qualifying vehicles
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
5 Hot Metal St Ste 201, Pittsburgh, PA, 15203 2351
New / Used Vehicles
4.25%
72 months
▼
APR4.25%
Interest Rate4.25%
Term72 months
Last UpdatedSep 21, 2026
Details
Published rate range: 4.25%-12.50%.
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2014 Laubach Ave, Northampton, PA, 18067 1351
Used Autos 2021 and newer
4.25%
Up to 36 months
▼
APR4.25%
TermUp to 36 months
Last UpdatedSep 21, 2026
Details
Term: Up to 36 months 80-90% NADA retail; Published APR range: 4.25% - 6.25%.
Moonlight Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
101 Deer Park Rd, Worthington, PA, 16262
Auto Loans (2024-2026)
4.29%
60 Months
▼
APR4.29%
Term60 Months
Last UpdatedSep 18, 2026
Details
Additional discounts may apply
Riegel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
5936 Easton Rd, Pipersville, PA, 18947 1828
Vehicle Loan
4.29%
3 yrs.
▼
APR4.29%
Term3 yrs.
Last UpdatedSep 21, 2026
Details
As low as*
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
640 Baltimore Dr, Wilkes Barre, PA, 18702 7943
New / Used Car, Truck, SUV Loan (2021 - 2026)
4.29%
36 Months
▼
APR4.29%
Term36 Months
Last UpdatedSep 21, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
640 Baltimore Dr, Wilkes Barre, PA, 18702 7943
New / Used Car, Truck, SUV Loan (2021 - 2026)
4.29%
48 Months
▼
APR4.29%
Term48 Months
Last UpdatedSep 21, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
640 Baltimore Dr, Wilkes Barre, PA, 18702 7943
New / Used Car, Truck, SUV Loan (2021 - 2026)
4.29%
60 Months
▼
APR4.29%
Term60 Months
Last UpdatedSep 21, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
640 Baltimore Dr, Wilkes Barre, PA, 18702 7943
New / Used vehicle 2021-2026 Loan
4.29%
36-60 months
▼
APR4.29%
Term36-60 months
Last UpdatedSep 21, 2026
Details
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
2209 W State St, New Castle, PA, 16101 1138
Used Autos
4.37%
41 - 52 months
▼
APR4.37%
Term41 - 52 months
Last UpdatedSep 20, 2026
Details
Model Year: 2026 - 2024
Choice One Community Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.31%
101 Hazle St, Wilkes Barre, PA, 18702 4305
New Car Loan
4.39%
up to 84 Months
▼
APR4.39%
Termup to 84 Months
Last UpdatedSep 16, 2026
Details
As Low As; This rate includes the .25% discount for Auto Pay.
I B E W LOCAL 56
Institution Rating:
A5.0 ★ Texas Ratio: 9.60%
962 W 20TH ST, Erie, PA, 16502 2401
New Vehicle Loans - All Automobiles, Trucks, Motorcycles and Motor Homes
4.40%
36 Months
▼
APR4.40%
Term36 Months
Last UpdatedSep 18, 2026
Details
Rates as Low as*
C-B-W Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
PO Box 400, Sidman, PA, 15955 0400
New Vehicles Loan
4.40%
36 months
▼
APR4.40%
Interest Rate4.40%
Term36 months
Last UpdatedSep 21, 2026
Details
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.71%
1000 Fedex Dr, Moon Township, PA, 15108 9373
NEW Auto Loan
4.40%
Up to 36 months
▼
APR4.40%
TermUp to 36 months
Last UpdatedSep 21, 2026
Details
Rates as low as:
Choice One Community Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.31%
101 Hazle St, Wilkes Barre, PA, 18702 4305
New/Used Car Loan
4.49%
Up to 84 months
▼
APR4.49%
TermUp to 84 months
Last UpdatedSep 16, 2026
Details
As Low As; This rate includes the .25% discount with Auto Pay.
Choice One Community Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.31%
101 Hazle St, Wilkes Barre, PA, 18702 4305
Used Car Loan
4.49%
Up to 84 months
▼
APR4.49%
TermUp to 84 months
Last UpdatedSep 16, 2026
Details
As Low As; This rate includes the .25% discount with Auto Pay.
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
107 Reuter Blvd, Towanda, PA, 18848 2152
New Auto Loan
4.49%
60 months or less
▼
APR4.49%
Term60 months or less
Last UpdatedSep 18, 2026
Details
As Low As; Rate assumes loan to value of 100% or less and term of 60 months or less. Not all borrowers will qualify for the lowest interest rate.
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 6.83%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles Loan
4.49%
49 - 60 months
▼
APR4.49%
Term49 - 60 months
Last UpdatedSep 18, 2026
Details
As Low As; w/ Auto Pay Discount: 4.39%
Franklin Johnstown Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
310 Bloomfield St, Johnstown, PA, 15904 3202
New Auto Loan
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedSep 18, 2026
Details
As Low As; New 2026 & 2025 (Includes motorcycles)
Tri State Rail Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
711 Linden Ave, East Pittsburgh, PA, 15112
Vehicle Loan
4.49%
61 - 72 Months
▼
APR4.49%
Term61 - 72 Months
Last UpdatedSep 18, 2026
Details
Model Year: 2021 - 2026; Mileage: <50,0000 miles
Tri State Rail Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
711 Linden Ave, East Pittsburgh, PA, 15112
Vehicle Loan
4.49%
0 - 24 Months
▼
APR4.49%
Term0 - 24 Months
Last UpdatedSep 18, 2026
Details
Model Year: 2021 - 2026; Mileage: > 50,000 Miles
Tri State Rail Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
711 Linden Ave, East Pittsburgh, PA, 15112
Vehicle Loan
4.49%
25 - 36 Months
▼
APR4.49%
Term25 - 36 Months
Last UpdatedSep 18, 2026
Details
Model Year: 2021 - 2026; Mileage: > 50,000 Miles
Tri State Rail Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
711 Linden Ave, East Pittsburgh, PA, 15112
Vehicle Loan
4.49%
37 - 48 Months
▼
APR4.49%
Term37 - 48 Months
Last UpdatedSep 18, 2026
Details
Model Year: 2021 - 2026; Mileage: > 50,000 Miles
Tri State Rail Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
711 Linden Ave, East Pittsburgh, PA, 15112
Vehicle Loan
4.49%
49 - 60 Months
▼
APR4.49%
Term49 - 60 Months
Last UpdatedSep 18, 2026
Details
Model Year: 2021 - 2026; Mileage: > 50,000 Miles
Tri County Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
1550 Medical Dr, Pottstown, PA, 19464 3225
New Auto & Motorcycles (2027-2025)
4.49%
37 to 60 Months
▼
APR4.49%
Term37 to 60 Months
Last UpdatedSep 18, 2026
Details
Tri County Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
1550 Medical Dr, Pottstown, PA, 19464 3225
Used Auto & Motorcycles (2025-2019)
4.49%
37 to 60 Months
▼
APR4.49%
Term37 to 60 Months
Last UpdatedSep 18, 2026
Details
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
1640 High St, Williamsport, PA, 17701
Fixed Rate Auto Loan
4.49%
84 months
▼
APR4.49%
Term84 months
Last UpdatedSep 20, 2026
Details
APR=Annual Percentage Rate. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness and terms of loan. Rates displayed above include a 0.50% rate discount for automatic payments out of an active WBVFCU account and a monthly direct deposit. Must take $2,500 in new money on all in-house refinances. New current year untitled vehicles can be financed for up to 84 months. Financing is determined using 125% of the NADA retail and loan value including tax, title and transfer. Rates and eligibility are based on your credit report.
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
1640 High St, Williamsport, PA, 17701
Vehicle Loan (2021 - 2027 Model Year)
4.49%
Up to 84 Months
▼
APR4.49%
Interest Rate4.49%
TermUp to 84 Months
Last UpdatedSep 20, 2026
Details
Term: Up to 84 Months (minimum $20,000); minimum $20,000
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
2209 W State St, New Castle, PA, 16101 1138
New Autos | Never Titled
4.49%
65-76 months
▼
APR4.49%
Term65-76 months
Last UpdatedSep 20, 2026
Details
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
2209 W State St, New Castle, PA, 16101 1138
Used Autos
4.49%
Up to 52 months
▼
APR4.49%
TermUp to 52 months
Last UpdatedSep 20, 2026
Details
Model Year: 2023 - 2022
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
300 State St Ste 303, Erie, PA, 16507
New & Used Car Loan
4.49%
36 months
▼
APR4.49%
Term36 months
Last UpdatedSep 20, 2026
Details
Model Year 2027-2024; Credit Score between 660 and 719; Min. value of car $15,000
Westmoreland Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1900 Franklin St, Greensburg, PA, 15601 5563
New Vehicles Loan
4.49%
36 months
▼
APR4.49%
Interest Rate4.49%
Term36 months
Last UpdatedSep 20, 2026
Details
Published APR range: As low as 4.49%; Published rate range: As low as 4.49%. 36 months
Westmoreland Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1900 Franklin St, Greensburg, PA, 15601 5563
New Vehicles Loan
4.49%
48 months
▼
APR4.49%
Interest Rate4.49%
Term48 months
Last UpdatedSep 20, 2026
Details
Published APR range: As low as 4.49%; Published rate range: As low as 4.49%. 48 months
Westmoreland Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1900 Franklin St, Greensburg, PA, 15601 5563
New Vehicles Loan
4.49%
60 months
▼
APR4.49%
Interest Rate4.49%
Term60 months
Last UpdatedSep 20, 2026
Details
Published APR range: As low as 4.49%; Published rate range: As low as 4.49%. 60 months
Central Keystone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
1000 Market St, Sunbury, PA, 17801 2403
New Autos
4.49%
Up to 48 months
▼
APR4.49%
Interest Rate4.49%
TermUp to 48 months
Last UpdatedSep 20, 2026
Details
As Low As; Tier 1 710
Central Keystone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
1000 Market St, Sunbury, PA, 17801 2403
New Autos Loan
4.49%
Up to 48 months
▼
APR4.49%
TermUp to 48 months
Last UpdatedSep 20, 2026
Details
As low as; Minimum credit score for applicant is 620. Add 1.0 basis points if lower score approved. Possible extended term of up to 6 months---add .50 basis points. Not to exceed 72 months.
Americo Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
4101 Main St, Erie, PA, 16511
Autos & Motorcycles (2022 & Newer)
4.49%
36 months
▼
APR4.49%
Term36 months
Last UpdatedSep 21, 2026
Details
As Low As; **
Americo Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
4101 Main St, Erie, PA, 16511
Autos & Motorcycles (2022 & Newer)
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedSep 21, 2026
Details
As Low As; **
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
7026 MASON DIXON HWY, MEYERSDALE, PA, 15552 6929
Auto Loans
4.49%
61-72 months
▼
APR4.49%
Term61-72 months
Last UpdatedSep 21, 2026
Details
2023 & newer; As low as
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
4139 E State St, Hermitage, PA, 16148 3402
New Auto Loan
4.49%
84 months
▼
APR4.49%
Term84 months
Last UpdatedSep 21, 2026
Details
Model Years 2024-2026
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
4139 E State St, Hermitage, PA, 16148 3402
Used Auto Loan
4.49%
up to 60 months
▼
APR4.49%
Termup to 60 months
Last UpdatedSep 21, 2026
Details
Model Years 2021-2023
Saint Vincent Erie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
2314 Sassafras St Ste 100, Erie, PA, 16502
New Car Loan
4.49%
36 months
▼
APR4.49%
Term36 months
Last UpdatedSep 21, 2026
Details
Either 100% of NADA retail value, or the purchase price - whichever is lower.
Saint Vincent Erie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
2314 Sassafras St Ste 100, Erie, PA, 16502
Vehicle Loan
4.49%
36 months
▼
APR4.49%
Term36 months
Last UpdatedSep 21, 2026
Details
Amount Financed: Either 100% of NADA retail value (plus or minus for mileage), or the purchase price - whichever is lower.; Model Year: 2024 - 2025
Riegel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
5936 Easton Rd, Pipersville, PA, 18947 1828
Vehicle Loan
4.49%
4 yrs.
▼
APR4.49%
Term4 yrs.
Last UpdatedSep 21, 2026
Details
As low as*
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
640 Baltimore Dr, Wilkes Barre, PA, 18702 7943
New / Used Car, Truck, SUV Loan (2021 - 2026)
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedSep 21, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
640 Baltimore Dr, Wilkes Barre, PA, 18702 7943
New / Used vehicle 2020 & older Loan
4.49%
36-48 months
▼
APR4.49%
Term36-48 months
Last UpdatedSep 21, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
640 Baltimore Dr, Wilkes Barre, PA, 18702 7943
New / Used vehicle 2021-2026 Loan
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedSep 21, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
640 Baltimore Dr, Wilkes Barre, PA, 18702 7943
Used Car, Truck, SUV Loans (2020 & older)
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedSep 21, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
640 Baltimore Dr, Wilkes Barre, PA, 18702 7943
Used Car, Truck, SUV Loans (2020 & older)
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedSep 21, 2026
Details
Priority First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
550 Main St, Brockway, PA, 15824
New 2026 - 2024 Auto Loan
4.49%
up to 60 months
▼
APR4.49%
Termup to 60 months
Last UpdatedSep 21, 2026
Details
As Low As; Model Year: New 2026 - 2024
Priority First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
550 Main St, Brockway, PA, 15824
New 2026 - 2024 Auto Loan
4.49%
up to 75 months
▼
APR4.49%
Termup to 75 months
Last UpdatedSep 21, 2026
Details
As Low As; Model Year: New 2026 - 2024
Priority First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
550 Main St, Brockway, PA, 15824
New 2026 - 2024 Auto Loan
4.49%
up to 78 months
▼
APR4.49%
Termup to 78 months
Last UpdatedSep 21, 2026
Details
As Low As; Model Year: New 2026 - 2024
IU7 Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
2300 Freeport Rd, New Kensington, PA, 15068 4669
New Auto (1st Owner)
4.49%
1-36 Months
▼
APR4.49%
Interest Rate3.49%
Term1-36 Months
Last UpdatedSep 21, 2026
Details
As Low As; As Low As
IU7 Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
2300 Freeport Rd, New Kensington, PA, 15068 4669
New Auto (1st Owner)
4.49%
37-48 Months
▼
APR4.49%
Interest Rate3.49%
Term37-48 Months
Last UpdatedSep 21, 2026
Details
As Low As; As Low As
Timberland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
821 Beaver Dr, DuBois, PA, 15801
New & Used Vehicle Loans
4.49%
0-48 Months
▼
APR4.49%
Interest Rate2.99%
Term0-48 Months
Last UpdatedSep 21, 2026
Details
As low as; Best APR*
Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
400 W Lincoln Ave, Lititz, PA, 17543 8701
New and Used Auto Loans
4.49%
Up to 36 months
▼
APR4.49%
TermUp to 36 months
Last UpdatedSep 21, 2026
Details
As Low As*
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
1601 Kenneth Rd, York, PA, 17408 2228
New Vehicles
4.49%
48 Months
▼
APR4.49%
Interest Rate4.49%
Term48 Months
Last UpdatedSep 21, 2026
Details
As Low As; Rate: 4.49%
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
1601 Kenneth Rd, York, PA, 17408 2228
New Vehicles Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedSep 21, 2026
Details
Freedom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.95%
626 Jacksonville Rd, Warminster, PA, 18974 4862
Auto Loan
4.49%
66 months
▼
APR4.49%
Term66 months
Last UpdatedSep 21, 2026
Details
As low as 4.49% APR for terms up to 66 months. Loan amount must be $3,000 or greater. You must meet employment and/or income requirements to qualify for a loan. The interest rate you receive will be based on your credit history, loan term, and age of the vehicle. APR will not be less than 4.49% or greater than 17.90%. For example, a loan amount of $20,000 at 4.49% APR for 60 months would be a monthly payment of $374.00. Satisfactory vehicle insurance required. Your actual loan amount will be limited based on the value of the specific vehicle that you are financing. Only passenger vehicles are eligible, no recreational vehicles. Existing Freedom Loans are not eligible for refinancing. Credit Union membership eligibility requirements apply. Loan term cannot be less than 6 months or greater than 84 months. Rates are subject to change without notice.
Grove City Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.13%
1 CREDIT UNION WAY, GROVE CITY, PA, 16127
New Auto
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedSep 12, 2026
Details
As Low As; Loan amount over $20,000
Grove City Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.13%
1 CREDIT UNION WAY, GROVE CITY, PA, 16127
Used Auto
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedSep 12, 2026
Details
As Low As
G.A.P. Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
111 Franklin St Rm 224, Johnstown, PA, 15901
New Vehicle (2026, 2025) Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedSep 14, 2026
Details
Eagle One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.56%
7500 Lindbergh Blvd, Philadelphia, PA, 19176
Auto Loan
4.50%
12-38 months
▼
APR4.50%
Term12-38 months
Last UpdatedSep 16, 2026
Details
Model Year: 2026-2022
Locomotive And Control Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
1286 E 38th St, Erie, PA, 16504 3039
New Vehicles - Autos
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedSep 16, 2026
Details
Maximum: Retail Value
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
566 S Main St, Wilkes Barre, PA, 18701 2102
Used Vehicles - (3-4 Years Old) JD Power Book Price - 90% Financed Loan
4.50%
60 mos.
▼
APR4.50%
Term60 mos.
Last UpdatedSep 16, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
566 S Main St, Wilkes Barre, PA, 18701 2102
Used Vehicles - Up To 2 Years Old - 100% Financed Loan
4.50%
60 mos.
▼
APR4.50%
Term60 mos.
Last UpdatedSep 16, 2026
Details
APR*
Alcose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
3001 Jacks Run Rd Ste 101, White Oak, PA, 15131 2555
New Vehicles 2025 - 2026 Loan
4.50%
Up to 48 Months
▼
APR4.50%
TermUp to 48 Months
Last UpdatedSep 18, 2026
Details
As Low As; APR*
Alcose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
3001 Jacks Run Rd Ste 101, White Oak, PA, 15131 2555
New Vehicles 2025- 2026 Loan
4.50%
Up to 48 Months
▼
APR4.50%
TermUp to 48 Months
Last UpdatedSep 18, 2026
Details
As Low As; APR*
VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
247 WILKES BARRE TOWNSHIP BLVD, WILKES BARRE, PA, 18702 6705
New Vehicle Loan
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedSep 18, 2026
Details
Zero Down Payment
VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
247 WILKES BARRE TOWNSHIP BLVD, WILKES BARRE, PA, 18702 6705
Used Vehicle Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedSep 18, 2026
Details
2022 - NEWER
VASCO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
432 Depot St, Latrobe, PA, 15650
New Vehicles Loan
4.50%
72 months
▼
APR4.50%
Term72 months
Last UpdatedSep 18, 2026
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.79%
2970 Market St, Philadelphia, PA, 19104 5002
New Vehicles Loan
4.50%
up to 60 mos.
▼
APR4.50%
Termup to 60 mos.
Last UpdatedSep 20, 2026
Details
Loan Amount: $5,000 min; APR* as low as**; New = never titled and less than 12,000 miles, Used = previously titled.
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.64%
710 3rd Ave, New Brighton, PA, 15066 1830
New Car Loan
4.50%
Up to 4 years
▼
APR4.50%
Interest Rate4.50%
TermUp to 4 years
Last UpdatedSep 20, 2026
Details
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.64%
710 3rd Ave, New Brighton, PA, 15066 1830
Used Car Loans - 2024 - 2026 models
4.50%
4 years
▼
APR4.50%
Interest Rate4.50%
Term4 years
Last UpdatedSep 20, 2026
Details
Fayette Federal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
364 Morgantown St, Uniontown, PA, 15401
New Vehicle Loans
4.50%
60 months
▼
APR4.50%
Term60 months
Last UpdatedSep 21, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
111 Parkwest Dr, Pittsburgh, PA, 15275 1112
New/Used Vehicles - 680 - 729 Score Loan
4.50%
24 Mo.
▼
APR4.50%
Interest Rate4.50%
Term24 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
111 Parkwest Dr, Pittsburgh, PA, 15275 1112
New/Used Vehicles - 680 - 729 Score Loan
4.50%
36 Mo.
▼
APR4.50%
Interest Rate4.50%
Term36 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
111 Parkwest Dr, Pittsburgh, PA, 15275 1112
New/Used Vehicles - 730+ Score Loan
4.50%
60 Mo.
▼
APR4.50%
Interest Rate4.50%
Term60 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A+
UFCW Local #72 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
800 Wyoming Ave, Wyoming, PA, 18644
Vehicle Loan
4.50%
24 Months & Under
▼
APR4.50%
Term24 Months & Under
Last UpdatedSep 21, 2026
Details
SRU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.90%
100 Arrowhead Dr, Slippery Rock, PA, 16057 2632
Auto Loan (New)
4.50%
0-60 Months
▼
APR4.50%
Term0-60 Months
Last UpdatedSep 21, 2026
Details
As low as; New
Penn State Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
123 Amberleigh Ln, Bellefonte, PA, 16823
New Vehicles and Motorcycles (New 2025, 2026) <10,000 miles Loan
4.50%
Up to 36 months
▼
APR4.50%
TermUp to 36 months
Last UpdatedSep 21, 2026
Details
Rates as low as*
Bradford Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.30%
52 Davis St, Bradford, PA, 16701 2016
Vehicle Loan
4.50%
Up to 60 Months
▼
APR4.50%
TermUp to 60 Months
Last UpdatedSep 21, 2026
Details
Model Year: 2025-2022
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
501 Hamilton St, Allentown, PA, 18101
New Autos
4.50%
Up to 60 months
▼
APR4.50%
TermUp to 60 months
Last UpdatedSep 21, 2026
Details
Published APR range: 4.50 - 6.50%. 100% MSRP
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
501 Hamilton St, Allentown, PA, 18101
Used Autos 2022 and newer
4.50%
48 - 60 months
▼
APR4.50%
Term48 - 60 months
Last UpdatedSep 21, 2026
Details
Published APR range: 4.50 - 6.50%. 80-90% NADA retail
Highway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.67%
405 Laurel St, Hughestown, PA, 18640
New Auto Loan
4.50%
24 Months Used 2017
▼
APR4.50%
Term24 Months Used 2017
Last UpdatedSep 21, 2026
Details
Fair Isaac Risk Score: 690-724
Highway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.67%
405 Laurel St, Hughestown, PA, 18640
New Auto Loan
4.50%
Used 2019-2018
▼
APR4.50%
TermUsed 2019-2018
Last UpdatedSep 21, 2026
Details
Fair Isaac Risk Score: 725-850
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
334 N 9th St, Stroudsburg, PA, 18360 1804
Used Auto Loans
4.50%
5 years
▼
APR4.50%
Interest Rate4.50%
Term5 years
Last UpdatedSep 21, 2026
Details
Rate: 4.500%; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2014 Laubach Ave, Northampton, PA, 18067 1351
New Autos
4.50%
48 months
▼
APR4.50%
Term48 months
Last UpdatedSep 21, 2026
Details
Term: 48 to 60 months 100% MSRP; Published APR range: 4.50% - 6.50%.
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2014 Laubach Ave, Northampton, PA, 18067 1351
Used Autos 2021 and newer
4.50%
48 months
▼
APR4.50%
Term48 months
Last UpdatedSep 21, 2026
Details
Term: 48 to 60 months 80-90% NADA retail; Published APR range: 4.50% - 6.50%.
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MonitorBankRates
Pennsylvania New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
334 N 9th St, Stroudsburg, PA, 18360 1804
New Auto Loan
2.99%
4 years
▼
APR2.99%
Interest Rate2.99%
Term4 years
Last UpdatedSep 21, 2026
Details
As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
334 N 9th St, Stroudsburg, PA, 18360 1804
New Auto Loan
2.99%
3 years
▼
APR2.99%
Interest Rate2.99%
Term3 years
Last UpdatedSep 21, 2026
Details
As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
334 N 9th St, Stroudsburg, PA, 18360 1804
New Auto Loan
2.99%
2 years
▼
APR2.99%
Interest Rate2.99%
Term2 years
Last UpdatedSep 21, 2026
Details
As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
334 N 9th St, Stroudsburg, PA, 18360 1804
New Auto Loan
2.99%
1 year
▼
APR2.99%
Interest Rate2.99%
Term1 year
Last UpdatedSep 21, 2026
Details
As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
2209 W State St, New Castle, PA, 16101 1138
New Autos | Never Titled
3.24%
Up to 40 months
▼
APR3.24%
TermUp to 40 months
Last UpdatedSep 20, 2026
Details
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
566 S Main St, Wilkes Barre, PA, 18701 2102
New Vehicles Loan
3.25%
12 mos.
▼
APR3.25%
Term12 mos.
Last UpdatedSep 16, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
566 S Main St, Wilkes Barre, PA, 18701 2102
New Vehicles Loan
3.25%
24 mos.
▼
APR3.25%
Term24 mos.
Last UpdatedSep 16, 2026
Details
APR*
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
8500 Essington Ave Ste B, Philadelphia, PA, 19153 3716
New Auto
3.34%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedSep 21, 2026
Details
As Low As
VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
247 WILKES BARRE TOWNSHIP BLVD, WILKES BARRE, PA, 18702 6705
New Vehicle Loan
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedSep 18, 2026
Details
Zero Down Payment
VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
247 WILKES BARRE TOWNSHIP BLVD, WILKES BARRE, PA, 18702 6705
New Vehicle Loan
3.49%
48 Months
▼
APR3.49%
Term48 Months
Last UpdatedSep 18, 2026
Details
Zero Down Payment
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
566 S Main St, Wilkes Barre, PA, 18701 2102
New Vehicles Loan
3.50%
36 mos.
▼
APR3.50%
Term36 mos.
Last UpdatedSep 16, 2026
Details
APR*
Fayette Federal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
364 Morgantown St, Uniontown, PA, 15401
New Vehicle Loans
3.50%
36 months
▼
APR3.50%
Term36 months
Last UpdatedSep 21, 2026
Details
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
334 N 9th St, Stroudsburg, PA, 18360 1804
New Auto Loan
3.50%
5 years
▼
APR3.50%
Interest Rate3.50%
Term5 years
Last UpdatedSep 21, 2026
Details
As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
UFCW COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
377 Wyoming Ave, Wyoming, PA, 18644
New Vehicle Loans
3.70%
Up to 84 months
▼
APR3.70%
TermUp to 84 months
Last UpdatedSep 18, 2026
Details
As low as
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
2209 W State St, New Castle, PA, 16101 1138
New Autos | Never Titled
3.74%
41-52 months
▼
APR3.74%
Term41-52 months
Last UpdatedSep 20, 2026
Details
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
566 S Main St, Wilkes Barre, PA, 18701 2102
New Vehicles Loan
3.75%
48 mos.
▼
APR3.75%
Term48 mos.
Last UpdatedSep 16, 2026
Details
APR*
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
5 Hot Metal St Ste 201, Pittsburgh, PA, 15203 2351
New / Used Vehicles
3.75%
48 months
▼
APR3.75%
Interest Rate3.75%
Term48 months
Last UpdatedSep 21, 2026
Details
Published rate range: 3.75%-12.80%.
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
5 Hot Metal St Ste 201, Pittsburgh, PA, 15203 2351
New / Used Vehicles
3.75%
36 months
▼
APR3.75%
Interest Rate3.75%
Term36 months
Last UpdatedSep 21, 2026
Details
Published rate range: 3.75%-12.75%.
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
5 Hot Metal St Ste 201, Pittsburgh, PA, 15203 2351
New / Used Vehicles Loan
3.75%
up to 84 Months
▼
APR3.75%
Termup to 84 Months
Last UpdatedSep 21, 2026
Details
New vehicle can be financed up to 84 Months. Used vehicle can be financed up to 72 Months. Certain limitations may apply.
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
5 Hot Metal St Ste 201, Pittsburgh, PA, 15203 2351
New Vehicles Loan
3.75%
up to 84 Months
▼
APR3.75%
Termup to 84 Months
Last UpdatedSep 21, 2026
Details
Published APR range: 3.75%-11.70%.
UFCW LOCAL 23
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
345 Southpointe Blvd, Canonsburg, PA, 15317
New Auto 2025-2024
3.90%
6 years
▼
APR3.90%
Interest Rate3.90%
Term6 years
Last UpdatedSep 18, 2026
Details
Stanwood Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
444 Arona Rd, New Stanton, PA, 15672
New Auto
3.99%
36 Months
▼
APR3.99%
Interest Rate3.99%
Term36 Months
Last UpdatedSep 16, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 6.83%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles Loan
3.99%
up to 36 months
▼
APR3.99%
Termup to 36 months
Last UpdatedSep 18, 2026
Details
As Low As; w/ Auto Pay Discount: 3.89%
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
4139 E State St, Hermitage, PA, 16148 3402
New Auto Loan
3.99%
up to 60 months
▼
APR3.99%
Termup to 60 months
Last UpdatedSep 21, 2026
Details
Model Years 2024-2026
Citymark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.07%
40 E Market St, Wilkes Barre, PA, 18711
New Car Loan
3.99%
Up to 96 months
▼
APR3.99%
TermUp to 96 months
Last UpdatedSep 21, 2026
Details
As low as; (based on credit score)
UFCW Local 1776 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
3031A Walton Rd Ste 310, Plymouth Meeting, PA, 19462 2369
New Vehicles Loan
3.99%
5 Years
▼
APR3.99%
Term5 Years
Last UpdatedSep 21, 2026
Details
As Low As; New Vehicles
Mountain Laurel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
413 S Michael St, Saint Marys, PA, 15857
New Vehicle Loan
3.99%
up to 48 mo.
▼
APR3.99%
Termup to 48 mo.
Last UpdatedSep 21, 2026
Details
New Vehicle (2025- 2026)
Mountain Laurel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
413 S Michael St, Saint Marys, PA, 15857
New Vehicle Loan
3.99%
up to 60 mo.
▼
APR3.99%
Termup to 60 mo.
Last UpdatedSep 21, 2026
Details
New Vehicle (2025- 2026)
Mountain Laurel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
413 S Michael St, Saint Marys, PA, 15857
New Vehicle Loan
3.99%
up to 72 mo.
▼
APR3.99%
Termup to 72 mo.
Last UpdatedSep 21, 2026
Details
New Vehicle (2025- 2026)
Grove City Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.13%
1 CREDIT UNION WAY, GROVE CITY, PA, 16127
New Auto
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedSep 12, 2026
Details
As Low As
G.A.P. Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
111 Franklin St Rm 224, Johnstown, PA, 15901
New Vehicle (2026, 2025) Loan
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedSep 14, 2026
Details
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
566 S Main St, Wilkes Barre, PA, 18701 2102
New Vehicles Loan
4.00%
60 mos.
▼
APR4.00%
Term60 mos.
Last UpdatedSep 16, 2026
Details
APR*
VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
247 WILKES BARRE TOWNSHIP BLVD, WILKES BARRE, PA, 18702 6705
New Vehicle Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedSep 18, 2026
Details
Zero Down Payment
Fayette Federal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
364 Morgantown St, Uniontown, PA, 15401
New Vehicle Loans
4.00%
48 months
▼
APR4.00%
Term48 months
Last UpdatedSep 21, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
111 Parkwest Dr, Pittsburgh, PA, 15275 1112
New/Used Vehicles - 730+ Score Loan
4.00%
24 Mo.
▼
APR4.00%
Interest Rate4.00%
Term24 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A+
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
111 Parkwest Dr, Pittsburgh, PA, 15275 1112
New/Used Vehicles - 730+ Score Loan
4.00%
36 Mo.
▼
APR4.00%
Interest Rate4.00%
Term36 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A+
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
501 Hamilton St, Allentown, PA, 18101
New Autos
4.00%
Up to 36 months
▼
APR4.00%
TermUp to 36 months
Last UpdatedSep 21, 2026
Details
Published APR range: 4.00 - 6.00%.
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
5 Hot Metal St Ste 201, Pittsburgh, PA, 15203 2351
New / Used Vehicles
4.00%
60 months
▼
APR4.00%
Interest Rate4.00%
Term60 months
Last UpdatedSep 21, 2026
Details
Published rate range: 4.00%-13.50%.
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2014 Laubach Ave, Northampton, PA, 18067 1351
New Autos
4.00%
Up to 36 months
▼
APR4.00%
TermUp to 36 months
Last UpdatedSep 21, 2026
Details
Published APR range: 4.00% - 6.00%.
Bradford Area School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.67%
125 Main St Rm 206, Bradford, PA, 16701
Brand New Vehicle Loan
4.00%
0 - 60 months
▼
APR4.00%
Term0 - 60 months
Last UpdatedSep 21, 2026
Details
Credit Score: A; Never Been Titled
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.23%
4703 Hamilton Blvd, Allentown, PA, 18103
Fixed Rate New & Used Auto Loans - Up to 60 Months
4.05%
Up to 60 Months
▼
APR4.05%
TermUp to 60 Months
Last UpdatedSep 18, 2026
Details
Vehicle Model Years: All Years**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
8500 Essington Ave Ste B, Philadelphia, PA, 19153 3716
New Auto
4.09%
Up to 60 months
▼
APR4.09%
TermUp to 60 months
Last UpdatedSep 21, 2026
Details
As Low As
I B E W LOCAL 56
Institution Rating:
A5.0 ★ Texas Ratio: 9.60%
962 W 20TH ST, Erie, PA, 16502 2401
New Vehicle Loans - All Automobiles, Trucks, Motorcycles and Motor Homes
4.10%
24 Months
▼
APR4.10%
Term24 Months
Last UpdatedSep 18, 2026
Details
Rates as Low as*
PennTech Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
409 Center St Ste C, Johnsonburg, PA, 15845 1307
New or Used Vehicles Loan
4.15%
3 YEAR REPAY
▼
APR4.15%
Term3 YEAR REPAY
Last UpdatedSep 21, 2026
Details
As Low As; 2025 to 2026
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
640 Baltimore Dr, Wilkes Barre, PA, 18702 7943
New / Used 2021-2026 Auto Loan
4.19%
36-48 months
▼
APR4.19%
Term36-48 months
Last UpdatedSep 21, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 6.83%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles Loan
4.24%
37 - 48 months
▼
APR4.24%
Term37 - 48 months
Last UpdatedSep 18, 2026
Details
As Low As; w/ Auto Pay Discount: 4.14%
Tri County Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
1550 Medical Dr, Pottstown, PA, 19464 3225
New Auto & Motorcycles (2027-2025)
4.24%
0 to 36 Months
▼
APR4.24%
Term0 to 36 Months
Last UpdatedSep 18, 2026
Details
As Low As; Minimum Loan Amount - $15,000
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
2209 W State St, New Castle, PA, 16101 1138
New Autos | Never Titled
4.24%
53-64 months
▼
APR4.24%
Term53-64 months
Last UpdatedSep 20, 2026
Details
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
300 State St Ste 303, Erie, PA, 16507
New & Used Car Loan
4.24%
24 months
▼
APR4.24%
Term24 months
Last UpdatedSep 20, 2026
Details
Model Year 2027-2024; Credit Score between 660 and 719; Min. value of car $15,000
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
4139 E State St, Hermitage, PA, 16148 3402
New Auto Loan
4.24%
72 months
▼
APR4.24%
Term72 months
Last UpdatedSep 21, 2026
Details
Model Years 2024-2026
Grove City Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.13%
1 CREDIT UNION WAY, GROVE CITY, PA, 16127
New Auto
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedSep 12, 2026
Details
As Low As
PRR South Fork Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
220 Main St, South Fork, PA, 15956
New 2026-2025 Auto Loan
4.25%
Up To 84 Months
▼
APR4.25%
TermUp To 84 Months
Last UpdatedSep 14, 2026
Details
Financing %: 100%* (New)
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
566 S Main St, Wilkes Barre, PA, 18701 2102
New Vehicles Loan
4.25%
72 mos.
▼
APR4.25%
Term72 mos.
Last UpdatedSep 16, 2026
Details
APR*
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.64%
710 3rd Ave, New Brighton, PA, 15066 1830
New Car Loan
4.25%
Up to 3 years
▼
APR4.25%
Interest Rate4.25%
TermUp to 3 years
Last UpdatedSep 20, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
111 Parkwest Dr, Pittsburgh, PA, 15275 1112
New/Used Vehicles - 730+ Score Loan
4.25%
48 Mo.
▼
APR4.25%
Interest Rate4.25%
Term48 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A+
PennTech Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
409 Center St Ste C, Johnsonburg, PA, 15845 1307
New or Used Vehicles Loan
4.25%
4 YEAR REPAY
▼
APR4.25%
Term4 YEAR REPAY
Last UpdatedSep 21, 2026
Details
As Low As; 2025 to 2026
Bva Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.45%
608 Rostraver Rd, Belle Vernon, PA, 15012 1941
New Auto Loan
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedSep 21, 2026
Details
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
501 Hamilton St, Allentown, PA, 18101
Used Autos 2022 and newer
4.25%
Up to 36 months
▼
APR4.25%
TermUp to 36 months
Last UpdatedSep 21, 2026
Details
Published APR range: 4.25 - 6.25%. 80-90% NADA retail
Highway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.67%
405 Laurel St, Hughestown, PA, 18640
New Auto Loan
4.25%
24 Months Used 2017
▼
APR4.25%
Term24 Months Used 2017
Last UpdatedSep 21, 2026
Details
Fair Isaac Risk Score: 725-850
MERHO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
15 Irene St, Johnstown, PA, 15905 4124
New Car Loan
4.25%
Up to 60 Months
▼
APR4.25%
TermUp to 60 Months
Last UpdatedSep 21, 2026
Details
As low as; Add .5% for 72 months for qualifying vehicles; Add 1.00% for 84 months for qualifying vehicles
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
5 Hot Metal St Ste 201, Pittsburgh, PA, 15203 2351
New / Used Vehicles
4.25%
72 months
▼
APR4.25%
Interest Rate4.25%
Term72 months
Last UpdatedSep 21, 2026
Details
Published rate range: 4.25%-12.50%.
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2014 Laubach Ave, Northampton, PA, 18067 1351
Used Autos 2021 and newer
4.25%
Up to 36 months
▼
APR4.25%
TermUp to 36 months
Last UpdatedSep 21, 2026
Details
Term: Up to 36 months 80-90% NADA retail; Published APR range: 4.25% - 6.25%.
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
640 Baltimore Dr, Wilkes Barre, PA, 18702 7943
New / Used Car, Truck, SUV Loan (2021 - 2026)
4.29%
36 Months
▼
APR4.29%
Term36 Months
Last UpdatedSep 21, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
640 Baltimore Dr, Wilkes Barre, PA, 18702 7943
New / Used Car, Truck, SUV Loan (2021 - 2026)
4.29%
48 Months
▼
APR4.29%
Term48 Months
Last UpdatedSep 21, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
640 Baltimore Dr, Wilkes Barre, PA, 18702 7943
New / Used Car, Truck, SUV Loan (2021 - 2026)
4.29%
60 Months
▼
APR4.29%
Term60 Months
Last UpdatedSep 21, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
640 Baltimore Dr, Wilkes Barre, PA, 18702 7943
New / Used vehicle 2021-2026 Loan
4.29%
36-60 months
▼
APR4.29%
Term36-60 months
Last UpdatedSep 21, 2026
Details
Choice One Community Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.31%
101 Hazle St, Wilkes Barre, PA, 18702 4305
New Car Loan
4.39%
up to 84 Months
▼
APR4.39%
Termup to 84 Months
Last UpdatedSep 16, 2026
Details
As Low As; This rate includes the .25% discount for Auto Pay.
I B E W LOCAL 56
Institution Rating:
A5.0 ★ Texas Ratio: 9.60%
962 W 20TH ST, Erie, PA, 16502 2401
New Vehicle Loans - All Automobiles, Trucks, Motorcycles and Motor Homes
4.40%
36 Months
▼
APR4.40%
Term36 Months
Last UpdatedSep 18, 2026
Details
Rates as Low as*
C-B-W Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
PO Box 400, Sidman, PA, 15955 0400
New Vehicles Loan
4.40%
36 months
▼
APR4.40%
Interest Rate4.40%
Term36 months
Last UpdatedSep 21, 2026
Details
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.71%
1000 Fedex Dr, Moon Township, PA, 15108 9373
NEW Auto Loan
4.40%
Up to 36 months
▼
APR4.40%
TermUp to 36 months
Last UpdatedSep 21, 2026
Details
Rates as low as:
Choice One Community Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.31%
101 Hazle St, Wilkes Barre, PA, 18702 4305
New/Used Car Loan
4.49%
Up to 84 months
▼
APR4.49%
TermUp to 84 months
Last UpdatedSep 16, 2026
Details
As Low As; This rate includes the .25% discount with Auto Pay.
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
107 Reuter Blvd, Towanda, PA, 18848 2152
New Auto Loan
4.49%
60 months or less
▼
APR4.49%
Term60 months or less
Last UpdatedSep 18, 2026
Details
As Low As; Rate assumes loan to value of 100% or less and term of 60 months or less. Not all borrowers will qualify for the lowest interest rate.
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 6.83%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles Loan
4.49%
49 - 60 months
▼
APR4.49%
Term49 - 60 months
Last UpdatedSep 18, 2026
Details
As Low As; w/ Auto Pay Discount: 4.39%
Franklin Johnstown Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
310 Bloomfield St, Johnstown, PA, 15904 3202
New Auto Loan
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedSep 18, 2026
Details
As Low As; New 2026 & 2025 (Includes motorcycles)
Tri County Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
1550 Medical Dr, Pottstown, PA, 19464 3225
New Auto & Motorcycles (2027-2025)
4.49%
37 to 60 Months
▼
APR4.49%
Term37 to 60 Months
Last UpdatedSep 18, 2026
Details
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
2209 W State St, New Castle, PA, 16101 1138
New Autos | Never Titled
4.49%
65-76 months
▼
APR4.49%
Term65-76 months
Last UpdatedSep 20, 2026
Details
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
300 State St Ste 303, Erie, PA, 16507
New & Used Car Loan
4.49%
36 months
▼
APR4.49%
Term36 months
Last UpdatedSep 20, 2026
Details
Model Year 2027-2024; Credit Score between 660 and 719; Min. value of car $15,000
Westmoreland Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1900 Franklin St, Greensburg, PA, 15601 5563
New Vehicles Loan
4.49%
36 months
▼
APR4.49%
Interest Rate4.49%
Term36 months
Last UpdatedSep 20, 2026
Details
Published APR range: As low as 4.49%; Published rate range: As low as 4.49%. 36 months
Westmoreland Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1900 Franklin St, Greensburg, PA, 15601 5563
New Vehicles Loan
4.49%
48 months
▼
APR4.49%
Interest Rate4.49%
Term48 months
Last UpdatedSep 20, 2026
Details
Published APR range: As low as 4.49%; Published rate range: As low as 4.49%. 48 months
Westmoreland Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1900 Franklin St, Greensburg, PA, 15601 5563
New Vehicles Loan
4.49%
60 months
▼
APR4.49%
Interest Rate4.49%
Term60 months
Last UpdatedSep 20, 2026
Details
Published APR range: As low as 4.49%; Published rate range: As low as 4.49%. 60 months
Central Keystone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
1000 Market St, Sunbury, PA, 17801 2403
New Autos
4.49%
Up to 48 months
▼
APR4.49%
Interest Rate4.49%
TermUp to 48 months
Last UpdatedSep 20, 2026
Details
As Low As; Tier 1 710
Central Keystone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
1000 Market St, Sunbury, PA, 17801 2403
New Autos Loan
4.49%
Up to 48 months
▼
APR4.49%
TermUp to 48 months
Last UpdatedSep 20, 2026
Details
As low as; Minimum credit score for applicant is 620. Add 1.0 basis points if lower score approved. Possible extended term of up to 6 months---add .50 basis points. Not to exceed 72 months.
Americo Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
4101 Main St, Erie, PA, 16511
Autos & Motorcycles (2022 & Newer)
4.49%
36 months
▼
APR4.49%
Term36 months
Last UpdatedSep 21, 2026
Details
As Low As; **
Americo Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
4101 Main St, Erie, PA, 16511
Autos & Motorcycles (2022 & Newer)
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedSep 21, 2026
Details
As Low As; **
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
4139 E State St, Hermitage, PA, 16148 3402
New Auto Loan
4.49%
84 months
▼
APR4.49%
Term84 months
Last UpdatedSep 21, 2026
Details
Model Years 2024-2026
Saint Vincent Erie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
2314 Sassafras St Ste 100, Erie, PA, 16502
New Car Loan
4.49%
36 months
▼
APR4.49%
Term36 months
Last UpdatedSep 21, 2026
Details
Either 100% of NADA retail value, or the purchase price - whichever is lower.
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
640 Baltimore Dr, Wilkes Barre, PA, 18702 7943
New / Used Car, Truck, SUV Loan (2021 - 2026)
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedSep 21, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
640 Baltimore Dr, Wilkes Barre, PA, 18702 7943
New / Used vehicle 2020 & older Loan
4.49%
36-48 months
▼
APR4.49%
Term36-48 months
Last UpdatedSep 21, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
640 Baltimore Dr, Wilkes Barre, PA, 18702 7943
New / Used vehicle 2021-2026 Loan
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedSep 21, 2026
Details
Priority First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
550 Main St, Brockway, PA, 15824
New 2026 - 2024 Auto Loan
4.49%
up to 60 months
▼
APR4.49%
Termup to 60 months
Last UpdatedSep 21, 2026
Details
As Low As; Model Year: New 2026 - 2024
Priority First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
550 Main St, Brockway, PA, 15824
New 2026 - 2024 Auto Loan
4.49%
up to 75 months
▼
APR4.49%
Termup to 75 months
Last UpdatedSep 21, 2026
Details
As Low As; Model Year: New 2026 - 2024
Priority First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
550 Main St, Brockway, PA, 15824
New 2026 - 2024 Auto Loan
4.49%
up to 78 months
▼
APR4.49%
Termup to 78 months
Last UpdatedSep 21, 2026
Details
As Low As; Model Year: New 2026 - 2024
IU7 Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
2300 Freeport Rd, New Kensington, PA, 15068 4669
New Auto (1st Owner)
4.49%
1-36 Months
▼
APR4.49%
Interest Rate3.49%
Term1-36 Months
Last UpdatedSep 21, 2026
Details
As Low As; As Low As
IU7 Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
2300 Freeport Rd, New Kensington, PA, 15068 4669
New Auto (1st Owner)
4.49%
37-48 Months
▼
APR4.49%
Interest Rate3.49%
Term37-48 Months
Last UpdatedSep 21, 2026
Details
As Low As; As Low As
Timberland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
821 Beaver Dr, DuBois, PA, 15801
New & Used Vehicle Loans
4.49%
0-48 Months
▼
APR4.49%
Interest Rate2.99%
Term0-48 Months
Last UpdatedSep 21, 2026
Details
As low as; Best APR*
Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
400 W Lincoln Ave, Lititz, PA, 17543 8701
New and Used Auto Loans
4.49%
Up to 36 months
▼
APR4.49%
TermUp to 36 months
Last UpdatedSep 21, 2026
Details
As Low As*
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
1601 Kenneth Rd, York, PA, 17408 2228
New Vehicles
4.49%
48 Months
▼
APR4.49%
Interest Rate4.49%
Term48 Months
Last UpdatedSep 21, 2026
Details
As Low As; Rate: 4.49%
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
1601 Kenneth Rd, York, PA, 17408 2228
New Vehicles Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedSep 21, 2026
Details
Grove City Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.13%
1 CREDIT UNION WAY, GROVE CITY, PA, 16127
New Auto
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedSep 12, 2026
Details
As Low As; Loan amount over $20,000
G.A.P. Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
111 Franklin St Rm 224, Johnstown, PA, 15901
New Vehicle (2026, 2025) Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedSep 14, 2026
Details
Locomotive And Control Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
1286 E 38th St, Erie, PA, 16504 3039
New Vehicles - Autos
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedSep 16, 2026
Details
Maximum: Retail Value
Alcose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
3001 Jacks Run Rd Ste 101, White Oak, PA, 15131 2555
New Vehicles 2025 - 2026 Loan
4.50%
Up to 48 Months
▼
APR4.50%
TermUp to 48 Months
Last UpdatedSep 18, 2026
Details
As Low As; APR*
Alcose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
3001 Jacks Run Rd Ste 101, White Oak, PA, 15131 2555
New Vehicles 2025- 2026 Loan
4.50%
Up to 48 Months
▼
APR4.50%
TermUp to 48 Months
Last UpdatedSep 18, 2026
Details
As Low As; APR*
VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
247 WILKES BARRE TOWNSHIP BLVD, WILKES BARRE, PA, 18702 6705
New Vehicle Loan
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedSep 18, 2026
Details
Zero Down Payment
VASCO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
432 Depot St, Latrobe, PA, 15650
New Vehicles Loan
4.50%
72 months
▼
APR4.50%
Term72 months
Last UpdatedSep 18, 2026
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.79%
2970 Market St, Philadelphia, PA, 19104 5002
New Vehicles Loan
4.50%
up to 60 mos.
▼
APR4.50%
Termup to 60 mos.
Last UpdatedSep 20, 2026
Details
Loan Amount: $5,000 min; APR* as low as**; New = never titled and less than 12,000 miles, Used = previously titled.
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.64%
710 3rd Ave, New Brighton, PA, 15066 1830
New Car Loan
4.50%
Up to 4 years
▼
APR4.50%
Interest Rate4.50%
TermUp to 4 years
Last UpdatedSep 20, 2026
Details
Fayette Federal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
364 Morgantown St, Uniontown, PA, 15401
New Vehicle Loans
4.50%
60 months
▼
APR4.50%
Term60 months
Last UpdatedSep 21, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
111 Parkwest Dr, Pittsburgh, PA, 15275 1112
New/Used Vehicles - 680 - 729 Score Loan
4.50%
24 Mo.
▼
APR4.50%
Interest Rate4.50%
Term24 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
111 Parkwest Dr, Pittsburgh, PA, 15275 1112
New/Used Vehicles - 680 - 729 Score Loan
4.50%
36 Mo.
▼
APR4.50%
Interest Rate4.50%
Term36 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
111 Parkwest Dr, Pittsburgh, PA, 15275 1112
New/Used Vehicles - 730+ Score Loan
4.50%
60 Mo.
▼
APR4.50%
Interest Rate4.50%
Term60 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A+
SRU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.90%
100 Arrowhead Dr, Slippery Rock, PA, 16057 2632
Auto Loan (New)
4.50%
0-60 Months
▼
APR4.50%
Term0-60 Months
Last UpdatedSep 21, 2026
Details
As low as; New
Penn State Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
123 Amberleigh Ln, Bellefonte, PA, 16823
New Vehicles and Motorcycles (New 2025, 2026) <10,000 miles Loan
4.50%
Up to 36 months
▼
APR4.50%
TermUp to 36 months
Last UpdatedSep 21, 2026
Details
Rates as low as*
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
501 Hamilton St, Allentown, PA, 18101
New Autos
4.50%
Up to 60 months
▼
APR4.50%
TermUp to 60 months
Last UpdatedSep 21, 2026
Details
Published APR range: 4.50 - 6.50%. 100% MSRP
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
501 Hamilton St, Allentown, PA, 18101
Used Autos 2022 and newer
4.50%
48 - 60 months
▼
APR4.50%
Term48 - 60 months
Last UpdatedSep 21, 2026
Details
Published APR range: 4.50 - 6.50%. 80-90% NADA retail
Highway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.67%
405 Laurel St, Hughestown, PA, 18640
New Auto Loan
4.50%
24 Months Used 2017
▼
APR4.50%
Term24 Months Used 2017
Last UpdatedSep 21, 2026
Details
Fair Isaac Risk Score: 690-724
Highway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.67%
405 Laurel St, Hughestown, PA, 18640
New Auto Loan
4.50%
Used 2019-2018
▼
APR4.50%
TermUsed 2019-2018
Last UpdatedSep 21, 2026
Details
Fair Isaac Risk Score: 725-850
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2014 Laubach Ave, Northampton, PA, 18067 1351
New Autos
4.50%
48 months
▼
APR4.50%
Term48 months
Last UpdatedSep 21, 2026
Details
Term: 48 to 60 months 100% MSRP; Published APR range: 4.50% - 6.50%.
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2014 Laubach Ave, Northampton, PA, 18067 1351
Used Autos 2021 and newer
4.50%
48 months
▼
APR4.50%
Term48 months
Last UpdatedSep 21, 2026
Details
Term: 48 to 60 months 80-90% NADA retail; Published APR range: 4.50% - 6.50%.
Powered by
MonitorBankRates
Pennsylvania Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
2209 W State St, New Castle, PA, 16101 1138
Used Autos
3.49%
Up to 40 Months
▼
APR3.49%
TermUp to 40 Months
Last UpdatedSep 20, 2026
Details
Model Year: 2026 - 2024
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
566 S Main St, Wilkes Barre, PA, 18701 2102
Used Vehicles - (3-4 Years Old) JD Power Book Price - 90% Financed Loan
3.50%
12 mos.
▼
APR3.50%
Term12 mos.
Last UpdatedSep 16, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
566 S Main St, Wilkes Barre, PA, 18701 2102
Used Vehicles - (5 Years & Older) JD Power Book Price - 85% Financed Loan
3.50%
12 mos.
▼
APR3.50%
Term12 mos.
Last UpdatedSep 16, 2026
Details
APR range: 3.50% - 9.00% APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
566 S Main St, Wilkes Barre, PA, 18701 2102
Used Vehicles - Up To 2 Years Old - 100% Financed Loan
3.50%
12 mos.
▼
APR3.50%
Term12 mos.
Last UpdatedSep 16, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
566 S Main St, Wilkes Barre, PA, 18701 2102
Used Vehicles - (3-4 Years Old) JD Power Book Price - 90% Financed Loan
3.75%
24 mos.
▼
APR3.75%
Term24 mos.
Last UpdatedSep 16, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
566 S Main St, Wilkes Barre, PA, 18701 2102
Used Vehicles - (5 Years & Older) JD Power Book Price - 85% Financed Loan
3.75%
24 mos.
▼
APR3.75%
Term24 mos.
Last UpdatedSep 16, 2026
Details
APR range: 3.75% - 9.50% APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
566 S Main St, Wilkes Barre, PA, 18701 2102
Used Vehicles - Up To 2 Years Old - 100% Financed Loan
3.75%
24 mos.
▼
APR3.75%
Term24 mos.
Last UpdatedSep 16, 2026
Details
APR*
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
5 Hot Metal St Ste 201, Pittsburgh, PA, 15203 2351
New / Used Vehicles
3.75%
48 months
▼
APR3.75%
Interest Rate3.75%
Term48 months
Last UpdatedSep 21, 2026
Details
Published rate range: 3.75%-12.80%.
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
5 Hot Metal St Ste 201, Pittsburgh, PA, 15203 2351
New / Used Vehicles
3.75%
36 months
▼
APR3.75%
Interest Rate3.75%
Term36 months
Last UpdatedSep 21, 2026
Details
Published rate range: 3.75%-12.75%.
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
5 Hot Metal St Ste 201, Pittsburgh, PA, 15203 2351
New / Used Vehicles Loan
3.75%
up to 84 Months
▼
APR3.75%
Termup to 84 Months
Last UpdatedSep 21, 2026
Details
New vehicle can be financed up to 84 Months. Used vehicle can be financed up to 72 Months. Certain limitations may apply.
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
8500 Essington Ave Ste B, Philadelphia, PA, 19153 3716
Used Auto
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedSep 21, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 6.83%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles Loan
3.99%
up to 36 months
▼
APR3.99%
Termup to 36 months
Last UpdatedSep 18, 2026
Details
As Low As; w/ Auto Pay Discount: 3.89%
Citymark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.07%
40 E Market St, Wilkes Barre, PA, 18711
Used Car Loan
3.99%
Up to 96 months
▼
APR3.99%
TermUp to 96 months
Last UpdatedSep 21, 2026
Details
As low as; (based on credit score); Loan Amount: Up to 125% of the NADA value.
Mountain Laurel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
413 S Michael St, Saint Marys, PA, 15857
Used Vehicle Loan
3.99%
up to 48 mo.
▼
APR3.99%
Termup to 48 mo.
Last UpdatedSep 21, 2026
Details
Used Vehicle (2018 - 2025)
Mountain Laurel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
413 S Michael St, Saint Marys, PA, 15857
Used Vehicle Loan
3.99%
up to 60 mo.
▼
APR3.99%
Termup to 60 mo.
Last UpdatedSep 21, 2026
Details
Used Vehicle (2018 - 2025)
Mountain Laurel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
413 S Michael St, Saint Marys, PA, 15857
Used Vehicle Loan
3.99%
up to 72 mo.
▼
APR3.99%
Termup to 72 mo.
Last UpdatedSep 21, 2026
Details
Used Vehicle (2018 - 2025)
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
334 N 9th St, Stroudsburg, PA, 18360 1804
Used Auto Loans
3.99%
4 years
▼
APR3.99%
Interest Rate3.99%
Term4 years
Last UpdatedSep 21, 2026
Details
Rate: 3.990%; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
334 N 9th St, Stroudsburg, PA, 18360 1804
Used Auto Loans
3.99%
3 years
▼
APR3.99%
Interest Rate3.99%
Term3 years
Last UpdatedSep 21, 2026
Details
Rate: 3.990%; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
334 N 9th St, Stroudsburg, PA, 18360 1804
Used Auto Loans
3.99%
2 years
▼
APR3.99%
Interest Rate3.99%
Term2 years
Last UpdatedSep 21, 2026
Details
Rate: 3.990%; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
334 N 9th St, Stroudsburg, PA, 18360 1804
Used Auto Loans
3.99%
1 year
▼
APR3.99%
Interest Rate3.99%
Term1 year
Last UpdatedSep 21, 2026
Details
Rate: 3.990%; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
566 S Main St, Wilkes Barre, PA, 18701 2102
Used Vehicles - (3-4 Years Old) JD Power Book Price - 90% Financed Loan
4.00%
36 mos.
▼
APR4.00%
Term36 mos.
Last UpdatedSep 16, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
566 S Main St, Wilkes Barre, PA, 18701 2102
Used Vehicles - (5 Years & Older) JD Power Book Price - 85% Financed Loan
4.00%
36 mos.
▼
APR4.00%
Term36 mos.
Last UpdatedSep 16, 2026
Details
APR range: 4.00% - 10.00% APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
566 S Main St, Wilkes Barre, PA, 18701 2102
Used Vehicles - Up To 2 Years Old - 100% Financed Loan
4.00%
36 mos.
▼
APR4.00%
Term36 mos.
Last UpdatedSep 16, 2026
Details
APR*
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
111 Parkwest Dr, Pittsburgh, PA, 15275 1112
New/Used Vehicles - 730+ Score Loan
4.00%
24 Mo.
▼
APR4.00%
Interest Rate4.00%
Term24 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A+
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
111 Parkwest Dr, Pittsburgh, PA, 15275 1112
New/Used Vehicles - 730+ Score Loan
4.00%
36 Mo.
▼
APR4.00%
Interest Rate4.00%
Term36 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A+
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
5 Hot Metal St Ste 201, Pittsburgh, PA, 15203 2351
New / Used Vehicles
4.00%
60 months
▼
APR4.00%
Interest Rate4.00%
Term60 months
Last UpdatedSep 21, 2026
Details
Published rate range: 4.00%-13.50%.
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.23%
4703 Hamilton Blvd, Allentown, PA, 18103
Fixed Rate New & Used Auto Loans - Up to 60 Months
4.05%
Up to 60 Months
▼
APR4.05%
TermUp to 60 Months
Last UpdatedSep 18, 2026
Details
Vehicle Model Years: All Years**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
PennTech Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
409 Center St Ste C, Johnsonburg, PA, 15845 1307
New or Used Vehicles Loan
4.15%
3 YEAR REPAY
▼
APR4.15%
Term3 YEAR REPAY
Last UpdatedSep 21, 2026
Details
As Low As; 2025 to 2026
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
640 Baltimore Dr, Wilkes Barre, PA, 18702 7943
New / Used 2021-2026 Auto Loan
4.19%
36-48 months
▼
APR4.19%
Term36-48 months
Last UpdatedSep 21, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 6.83%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles Loan
4.24%
37 - 48 months
▼
APR4.24%
Term37 - 48 months
Last UpdatedSep 18, 2026
Details
As Low As; w/ Auto Pay Discount: 4.14%
Tri County Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
1550 Medical Dr, Pottstown, PA, 19464 3225
Used Auto & Motorcycles (2025-2019)
4.24%
0 to 36 Months
▼
APR4.24%
Term0 to 36 Months
Last UpdatedSep 18, 2026
Details
As Low As; Minimum Loan Amount - $15,000
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
300 State St Ste 303, Erie, PA, 16507
New & Used Car Loan
4.24%
24 months
▼
APR4.24%
Term24 months
Last UpdatedSep 20, 2026
Details
Model Year 2027-2024; Credit Score between 660 and 719; Min. value of car $15,000
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
566 S Main St, Wilkes Barre, PA, 18701 2102
Used Vehicles - (3-4 Years Old) JD Power Book Price - 90% Financed Loan
4.25%
48 mos.
▼
APR4.25%
Term48 mos.
Last UpdatedSep 16, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
566 S Main St, Wilkes Barre, PA, 18701 2102
Used Vehicles - Up To 2 Years Old - 100% Financed Loan
4.25%
48 mos.
▼
APR4.25%
Term48 mos.
Last UpdatedSep 16, 2026
Details
APR*
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.64%
710 3rd Ave, New Brighton, PA, 15066 1830
Used Car Loans - 2024 - 2026 models
4.25%
3 years
▼
APR4.25%
Interest Rate4.25%
Term3 years
Last UpdatedSep 20, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
111 Parkwest Dr, Pittsburgh, PA, 15275 1112
New/Used Vehicles - 730+ Score Loan
4.25%
48 Mo.
▼
APR4.25%
Interest Rate4.25%
Term48 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A+
PennTech Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
409 Center St Ste C, Johnsonburg, PA, 15845 1307
New or Used Vehicles Loan
4.25%
4 YEAR REPAY
▼
APR4.25%
Term4 YEAR REPAY
Last UpdatedSep 21, 2026
Details
As Low As; 2025 to 2026
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
501 Hamilton St, Allentown, PA, 18101
Used Autos 2022 and newer
4.25%
Up to 36 months
▼
APR4.25%
TermUp to 36 months
Last UpdatedSep 21, 2026
Details
Published APR range: 4.25 - 6.25%. 80-90% NADA retail
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
5 Hot Metal St Ste 201, Pittsburgh, PA, 15203 2351
New / Used Vehicles
4.25%
72 months
▼
APR4.25%
Interest Rate4.25%
Term72 months
Last UpdatedSep 21, 2026
Details
Published rate range: 4.25%-12.50%.
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2014 Laubach Ave, Northampton, PA, 18067 1351
Used Autos 2021 and newer
4.25%
Up to 36 months
▼
APR4.25%
TermUp to 36 months
Last UpdatedSep 21, 2026
Details
Term: Up to 36 months 80-90% NADA retail; Published APR range: 4.25% - 6.25%.
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
640 Baltimore Dr, Wilkes Barre, PA, 18702 7943
New / Used Car, Truck, SUV Loan (2021 - 2026)
4.29%
36 Months
▼
APR4.29%
Term36 Months
Last UpdatedSep 21, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
640 Baltimore Dr, Wilkes Barre, PA, 18702 7943
New / Used Car, Truck, SUV Loan (2021 - 2026)
4.29%
48 Months
▼
APR4.29%
Term48 Months
Last UpdatedSep 21, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
640 Baltimore Dr, Wilkes Barre, PA, 18702 7943
New / Used Car, Truck, SUV Loan (2021 - 2026)
4.29%
60 Months
▼
APR4.29%
Term60 Months
Last UpdatedSep 21, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
640 Baltimore Dr, Wilkes Barre, PA, 18702 7943
New / Used vehicle 2021-2026 Loan
4.29%
36-60 months
▼
APR4.29%
Term36-60 months
Last UpdatedSep 21, 2026
Details
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
2209 W State St, New Castle, PA, 16101 1138
Used Autos
4.37%
41 - 52 months
▼
APR4.37%
Term41 - 52 months
Last UpdatedSep 20, 2026
Details
Model Year: 2026 - 2024
Choice One Community Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.31%
101 Hazle St, Wilkes Barre, PA, 18702 4305
New/Used Car Loan
4.49%
Up to 84 months
▼
APR4.49%
TermUp to 84 months
Last UpdatedSep 16, 2026
Details
As Low As; This rate includes the .25% discount with Auto Pay.
Choice One Community Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.31%
101 Hazle St, Wilkes Barre, PA, 18702 4305
Used Car Loan
4.49%
Up to 84 months
▼
APR4.49%
TermUp to 84 months
Last UpdatedSep 16, 2026
Details
As Low As; This rate includes the .25% discount with Auto Pay.
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 6.83%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles Loan
4.49%
49 - 60 months
▼
APR4.49%
Term49 - 60 months
Last UpdatedSep 18, 2026
Details
As Low As; w/ Auto Pay Discount: 4.39%
Tri County Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
1550 Medical Dr, Pottstown, PA, 19464 3225
Used Auto & Motorcycles (2025-2019)
4.49%
37 to 60 Months
▼
APR4.49%
Term37 to 60 Months
Last UpdatedSep 18, 2026
Details
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
2209 W State St, New Castle, PA, 16101 1138
Used Autos
4.49%
Up to 52 months
▼
APR4.49%
TermUp to 52 months
Last UpdatedSep 20, 2026
Details
Model Year: 2023 - 2022
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
300 State St Ste 303, Erie, PA, 16507
New & Used Car Loan
4.49%
36 months
▼
APR4.49%
Term36 months
Last UpdatedSep 20, 2026
Details
Model Year 2027-2024; Credit Score between 660 and 719; Min. value of car $15,000
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
4139 E State St, Hermitage, PA, 16148 3402
Used Auto Loan
4.49%
up to 60 months
▼
APR4.49%
Termup to 60 months
Last UpdatedSep 21, 2026
Details
Model Years 2021-2023
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
640 Baltimore Dr, Wilkes Barre, PA, 18702 7943
New / Used Car, Truck, SUV Loan (2021 - 2026)
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedSep 21, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
640 Baltimore Dr, Wilkes Barre, PA, 18702 7943
New / Used vehicle 2020 & older Loan
4.49%
36-48 months
▼
APR4.49%
Term36-48 months
Last UpdatedSep 21, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
640 Baltimore Dr, Wilkes Barre, PA, 18702 7943
New / Used vehicle 2021-2026 Loan
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedSep 21, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
640 Baltimore Dr, Wilkes Barre, PA, 18702 7943
Used Car, Truck, SUV Loans (2020 & older)
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedSep 21, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
640 Baltimore Dr, Wilkes Barre, PA, 18702 7943
Used Car, Truck, SUV Loans (2020 & older)
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedSep 21, 2026
Details
Timberland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
821 Beaver Dr, DuBois, PA, 15801
New & Used Vehicle Loans
4.49%
0-48 Months
▼
APR4.49%
Interest Rate2.99%
Term0-48 Months
Last UpdatedSep 21, 2026
Details
As low as; Best APR*
Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
400 W Lincoln Ave, Lititz, PA, 17543 8701
New and Used Auto Loans
4.49%
Up to 36 months
▼
APR4.49%
TermUp to 36 months
Last UpdatedSep 21, 2026
Details
As Low As*
Grove City Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.13%
1 CREDIT UNION WAY, GROVE CITY, PA, 16127
Used Auto
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedSep 12, 2026
Details
As Low As
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
566 S Main St, Wilkes Barre, PA, 18701 2102
Used Vehicles - (3-4 Years Old) JD Power Book Price - 90% Financed Loan
4.50%
60 mos.
▼
APR4.50%
Term60 mos.
Last UpdatedSep 16, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
566 S Main St, Wilkes Barre, PA, 18701 2102
Used Vehicles - Up To 2 Years Old - 100% Financed Loan
4.50%
60 mos.
▼
APR4.50%
Term60 mos.
Last UpdatedSep 16, 2026
Details
APR*
VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
247 WILKES BARRE TOWNSHIP BLVD, WILKES BARRE, PA, 18702 6705
Used Vehicle Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedSep 18, 2026
Details
2022 - NEWER
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.64%
710 3rd Ave, New Brighton, PA, 15066 1830
Used Car Loans - 2024 - 2026 models
4.50%
4 years
▼
APR4.50%
Interest Rate4.50%
Term4 years
Last UpdatedSep 20, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
111 Parkwest Dr, Pittsburgh, PA, 15275 1112
New/Used Vehicles - 680 - 729 Score Loan
4.50%
24 Mo.
▼
APR4.50%
Interest Rate4.50%
Term24 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
111 Parkwest Dr, Pittsburgh, PA, 15275 1112
New/Used Vehicles - 680 - 729 Score Loan
4.50%
36 Mo.
▼
APR4.50%
Interest Rate4.50%
Term36 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
111 Parkwest Dr, Pittsburgh, PA, 15275 1112
New/Used Vehicles - 730+ Score Loan
4.50%
60 Mo.
▼
APR4.50%
Interest Rate4.50%
Term60 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A+
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
501 Hamilton St, Allentown, PA, 18101
Used Autos 2022 and newer
4.50%
48 - 60 months
▼
APR4.50%
Term48 - 60 months
Last UpdatedSep 21, 2026
Details
Published APR range: 4.50 - 6.50%. 80-90% NADA retail
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
334 N 9th St, Stroudsburg, PA, 18360 1804
Used Auto Loans
4.50%
5 years
▼
APR4.50%
Interest Rate4.50%
Term5 years
Last UpdatedSep 21, 2026
Details
Rate: 4.500%; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2014 Laubach Ave, Northampton, PA, 18067 1351
Used Autos 2021 and newer
4.50%
48 months
▼
APR4.50%
Term48 months
Last UpdatedSep 21, 2026
Details
Term: 48 to 60 months 80-90% NADA retail; Published APR range: 4.50% - 6.50%.
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MonitorBankRates
Pennsylvania Auto Loan Rate Trends
Compare local Pennsylvania auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
New Auto Loan PA Avg
6.019%
▼ 0.251 vs 7 days ago
Pennsylvania new auto rates fell 0.251 points over the past 7 days to 6.019% APR.
Used Auto Loan PA Avg
7.190%
▼ 0.351 vs 7 days ago
Pennsylvania used auto rates fell 0.351 points over the past 7 days to 7.190% APR.
As of Sep 22, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Pennsylvania Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Pennsylvania figures.
Current New Auto Avg
6.02%
APR, as of Sep 22, 2026
6-Month Forecast
6.10%
Fed hold assumed
12-Month Forecast
6.17%
Range: 5.82% to 6.37%
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Pennsylvania APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 6.02% APR PA average | Used Auto @ 7.19% APR PA average | Monthly Difference |
|---|---|---|---|
| $15,000 | $290.12/mo | $298.37/mo | $8.25/mo |
| $25,000 | $483.54/mo | $497.28/mo | $13.74/mo |
| $35,000 | $676.95/mo | $696.19/mo | $19.24/mo |
| $45,000 | $870.37/mo | $895.10/mo | $24.74/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in Pennsylvania
1
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Pennsylvania locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
2
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Pennsylvania. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
3
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
4
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
Building a down payment, or is an auto loan not the right fit?
- Saving up for a bigger down payment: park it in a Pennsylvania high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Pennsylvania CD rates lock in a guaranteed return until you’re ready to buy
Pennsylvania Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
$46,676
Median Individual Earnings
National avg: $47,340
5.2%
Unemployment Rate
National avg: 4.8%
11.7%
Poverty Rate
National avg: 11.1%
$580/mo
Payment on a $30K / 60-mo Loan
At PA new-auto avg 6.02% APR
A $580 monthly car payment works out to roughly 14.9% of the median individual income in Pennsylvania. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15–20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Pennsylvania, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1–3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0–2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Pennsylvania. We’ve prefilled the APR with today’s PA new-auto average, or click any current rate on the right to apply it instantly.
$
$
%
Current Rates: Click to Apply
$0
Estimated Monthly Payment
Loan Amount$0
Total Interest Paid$0
Total of All Payments$0
Total Cost incl. Down Payment$0
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Pennsylvania auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Pennsylvania directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Pennsylvania. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in PA.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Pennsylvania
How does my credit score affect my car loan rate in Pennsylvania?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Pennsylvania with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.
Is it better to finance through a dealership or a bank?
It is highly recommended to get pre-approved through a local bank or credit union in Pennsylvania *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.
What is the difference between New and Used Auto Loan rates?
Lenders in Pennsylvania typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
Should I get preapproved for an auto loan before visiting a dealer in Pennsylvania?
Yes. A preapproval from a bank or credit union serving Pennsylvania gives you a real rate to compare against dealer financing and turns you into a cash buyer at the negotiating table. Dealers often mark up the rates they arrange, so walking in with a preapproved offer routinely saves buyers money on the financing side of the deal.
Why are used car loan rates higher than new car rates?
Lenders charge more for used vehicles because they are harder to value, depreciate unpredictably, and carry more repossession risk. The spread between new and used rates is typically 0.5 to 1.5 percentage points. A late-model certified pre-owned vehicle sometimes qualifies for new-car rates, so ask the lender how they classify the vehicle before assuming the used rate applies.
Can I refinance my auto loan if rates drop or my credit improves?
Yes. Auto loan refinancing is usually fast and often fee-free. If your credit score has improved since you bought the vehicle, or you financed at a marked-up dealer rate, refinancing with a bank or credit union serving Pennsylvania can lower your monthly payment or shorten your term. It makes the most sense early in the loan, while most of your payments are still going to interest.
What are the best Auto Loan rates in Pennsylvania?
Based on our current data, some of the lowest auto loan rates available in Pennsylvania include:
- United Federal Credit Union: 2.99% (Auto Loan)
- First Peoples Community Federal Credit Union: 2.99% (72-Month Auto Loan Promo)
- Polish And Slavic Federal Credit Union: 2.99% (New Auto Loan)
- Bradford Area Federal Credit Union: 3.00% (Vehicle Loan)
- First Choice Federal Credit Union: 3.24% (New Autos | Never Titled)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Pennsylvania. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: September 21, 2026
Pennsylvania Rates & Resources
Auto Loan Rates by City in Pennsylvania
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