Auto Loan Rates in Pennsylvania (PA) for July 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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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: 3.13% offering Auto Loan at 2.99%, First Choice Federal Credit UnionFirst Choice Federal Credit Union2209 W State St, New Castle, PA, 16101 1138A+5.0 ★Texas Ratio: 4.93% offering New Autos | Never Titled at 3.24%, Corner Post Federal Credit UnionCorner Post Federal Credit Union566 S Main St, Wilkes Barre, PA, 18701 2102A+5.0 ★Texas Ratio: 0.75% offering New Vehicles 12 mos. Loan at 3.25%, American Airlines Federal Credit UnionAmerican Airlines Federal Credit Union8500 Essington Ave Ste B, Philadelphia, PA, 19153 3716A+5.0 ★Texas Ratio: 2.51% offering New Auto at 3.34%, VANTAGE TRUSTVANTAGE TRUST247 WILKES BARRE TOWNSHIP BLVD, WILKES BARRE, PA, 18702 6705A+5.0 ★Texas Ratio: 8.57% offering New Vehicle Loan at 3.49%. Auto loan rates as of July 15, 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 — 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: July 15, 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: 3.13%
4703 Hamilton Blvd, Allentown, PA, 18103
Auto Loan
2.99%
36 months
▼
APR2.99%
Term36 months
Last UpdatedJul 15, 2026
Details
Limited-time offer. Save on a new or refinanced vehicle this summer with rates starting as low as 2.99% APR for 36 months with autopay from a United checking account.
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
4703 Hamilton Blvd, Allentown, PA, 18103
Fixed Rate New & Used Auto Loans
2.99%
Up to 36 Months
▼
APR2.99%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
As Low As; 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.
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
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 UpdatedJul 15, 2026
Details
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
566 S Main St, Wilkes Barre, PA, 18701 2102
New Vehicles 12 mos. Loan
3.25%
12 mos.
▼
APR3.25%
Term12 mos.
Last UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
566 S Main St, Wilkes Barre, PA, 18701 2102
New Vehicles 24 mos. Loan
3.25%
24 mos.
▼
APR3.25%
Term24 mos.
Last UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
566 S Main St, Wilkes Barre, PA, 18701 2102
New Vehicles Loan
3.25%
12 mos.
▼
APR3.25%
Term12 mos.
Last UpdatedJul 6, 2026
Details
APR*
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
8500 Essington Ave Ste B, Philadelphia, PA, 19153 3716
New Auto
3.34%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 8.57%
247 WILKES BARRE TOWNSHIP BLVD, WILKES BARRE, PA, 18702 6705
New Vehicle Loan
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedJul 14, 2026
Details
Zero Down Payment
VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 8.57%
247 WILKES BARRE TOWNSHIP BLVD, WILKES BARRE, PA, 18702 6705
Used Vehicle Loan
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedJul 14, 2026
Details
2016-2019
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
2209 W State St, New Castle, PA, 16101 1138
Used Autos
3.49%
Up to 40 Months
▼
APR3.49%
TermUp to 40 Months
Last UpdatedJul 15, 2026
Details
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
566 S Main St, Wilkes Barre, PA, 18701 2102
New Vehicles 36 mos. Loan
3.50%
36 mos.
▼
APR3.50%
Term36 mos.
Last UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
566 S Main St, Wilkes Barre, PA, 18701 2102
New Vehicles Loan
3.50%
36 mos.
▼
APR3.50%
Term36 mos.
Last UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
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 UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
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 UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
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 UpdatedJul 6, 2026
Details
APR*
UFCW COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
377 Wyoming Ave, Wyoming, PA, 18644
New Vehicle Loans
3.70%
Up to 84 months
▼
APR3.70%
TermUp to 84 months
Last UpdatedJul 14, 2026
Details
As Low As
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
2209 W State St, New Castle, PA, 16101 1138
New Autos | Never Titled
3.74%
41-52 months
▼
APR3.74%
Term41-52 months
Last UpdatedJul 15, 2026
Details
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
566 S Main St, Wilkes Barre, PA, 18701 2102
New Vehicles 48 mos. Loan
3.75%
48 mos.
▼
APR3.75%
Term48 mos.
Last UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
566 S Main St, Wilkes Barre, PA, 18701 2102
New Vehicles Loan
3.75%
48 mos.
▼
APR3.75%
Term48 mos.
Last UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
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 UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
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 UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
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 UpdatedJul 6, 2026
Details
APR*
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
5 Hot Metal St Ste 201, Pittsburgh, PA, 15203 2351
New / Used Vehicles Loan
3.75%
48 months
▼
APR3.75%
Term48 months
Last UpdatedJul 15, 2026
Details
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
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 UpdatedJul 15, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
8500 Essington Ave Ste B, Philadelphia, PA, 19153 3716
Used Auto
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
UFCW LOCAL 23
Institution Rating:
A+5.0 ★ Texas Ratio: 5.17%
345 Southpointe Blvd, Canonsburg, PA, 15317
New Auto 2025-2024
3.90%
6 years
▼
APR3.90%
Term6 years
Last UpdatedJul 14, 2026
Details
Stanwood Area Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
444 Arona Rd, New Stanton, PA, 15672
New Auto
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedJul 6, 2026
Details
Freedom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
626 Jacksonville Rd, Warminster, PA, 18974 4862
Auto Loan
3.99%
1 - 66 mos.
▼
APR3.99%
Term1 - 66 mos.
Last UpdatedJul 10, 2026
Details
APR* As Low As
UFCW Local 1776 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
3031A Walton Rd Ste 310, Plymouth Meeting, PA, 19462 2369
New Vehicles Loan
3.99%
5 Years
▼
APR3.99%
Term5 Years
Last UpdatedJul 15, 2026
Details
As Low As;*
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
4139 E State St, Hermitage, PA, 16148 3402
New Auto Loan
3.99%
up to 60 months
▼
APR3.99%
Termup to 60 months
Last UpdatedJul 15, 2026
Details
Model Years 2024-2026; *
Citymark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
40 E Market St, Wilkes Barre, PA, 18711
New Car Loan
3.99%
Up to 96 months
▼
APR3.99%
TermUp to 96 months
Last UpdatedJul 15, 2026
Details
As Low As; (based on credit score)
Citymark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
40 E Market St, Wilkes Barre, PA, 18711
Used Car Loan
3.99%
Up to 96 months
▼
APR3.99%
TermUp to 96 months
Last UpdatedJul 15, 2026
Details
As low as; (based on credit score)
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
566 S Main St, Wilkes Barre, PA, 18701 2102
New Vehicles 60 mos. Loan
4.00%
60 mos.
▼
APR4.00%
Term60 mos.
Last UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
566 S Main St, Wilkes Barre, PA, 18701 2102
New Vehicles Loan
4.00%
60 mos.
▼
APR4.00%
Term60 mos.
Last UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
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 UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
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 UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
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 UpdatedJul 6, 2026
Details
APR*
G.A.P. Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.65%
111 Franklin St Rm 224, Johnstown, PA, 15901
New Vehicle (2026, 2025) Loan
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedJul 6, 2026
Details
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 UpdatedJul 10, 2026
Details
VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 8.57%
247 WILKES BARRE TOWNSHIP BLVD, WILKES BARRE, PA, 18702 6705
New Vehicle Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedJul 14, 2026
Details
Zero Down Payment
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
5 Hot Metal St Ste 201, Pittsburgh, PA, 15203 2351
New / Used Vehicles Loan
4.00%
60 months
▼
APR4.00%
Term60 months
Last UpdatedJul 15, 2026
Details
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 UpdatedJul 15, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
8500 Essington Ave Ste B, Philadelphia, PA, 19153 3716
New Auto
4.09%
Up to 60 months
▼
APR4.09%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
4703 Hamilton Blvd, Allentown, PA, 18103
Fixed Rate New & Used Auto Loans
4.15%
Up to 48 Months
▼
APR4.15%
TermUp to 48 Months
Last UpdatedJul 15, 2026
Details
As Low As; 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.
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
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 UpdatedJul 15, 2026
Details
As Low As; New or Used Vehicles
HIGH POINT
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
1035 E Main St, Bradford, PA, 16701
Auto Loan
4.24%
Up to 48 Months
▼
APR4.24%
TermUp to 48 Months
Last UpdatedJul 14, 2026
Details
As Low As; 2025 & newer
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
2209 W State St, New Castle, PA, 16101 1138
New Autos | Never Titled
4.24%
53-64 months
▼
APR4.24%
Term53-64 months
Last UpdatedJul 15, 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 2027-2024 Model Year Loan
4.24%
24 months
▼
APR4.24%
Term24 months
Last UpdatedJul 15, 2026
Details
Min. value of car $15,000
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
4139 E State St, Hermitage, PA, 16148 3402
New Auto Loan
4.24%
72 months
▼
APR4.24%
Term72 months
Last UpdatedJul 15, 2026
Details
Model Years 2024-2026; *
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
566 S Main St, Wilkes Barre, PA, 18701 2102
New Vehicles 72 mos. Loan
4.25%
72 mos.
▼
APR4.25%
Term72 mos.
Last UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
566 S Main St, Wilkes Barre, PA, 18701 2102
New Vehicles Loan
4.25%
72 mos.
▼
APR4.25%
Term72 mos.
Last UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
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 UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
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 UpdatedJul 6, 2026
Details
APR*
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 80-90% NADA retail
▼
APR4.25%
TermUp to 36 months 80-90% NADA retail
Last UpdatedJul 10, 2026
Details
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
710 3rd Ave, New Brighton, PA, 15066 1830
New Car Loans
4.25%
Up to 3 years
▼
APR4.25%
TermUp to 3 years
Last UpdatedJul 15, 2026
Details
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
710 3rd Ave, New Brighton, PA, 15066 1830
Used Car Loans 2024 - 2026 models
4.25%
3 years
▼
APR4.25%
Term3 years
Last UpdatedJul 15, 2026
Details
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
5 Hot Metal St Ste 201, Pittsburgh, PA, 15203 2351
New / Used Vehicles Loan
4.25%
72 months
▼
APR4.25%
Term72 months
Last UpdatedJul 15, 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 UpdatedJul 15, 2026
Details
80-90% NADA retail
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
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 UpdatedJul 15, 2026
Details
As Low As; New or Used Vehicles
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
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 UpdatedJul 15, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
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 UpdatedJul 15, 2026
Details
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
2209 W State St, New Castle, PA, 16101 1138
Used Autos
4.37%
41 - 52 months
▼
APR4.37%
Term41 - 52 months
Last UpdatedJul 15, 2026
Details
Choice One Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.18%
101 Hazle St, Wilkes Barre, PA, 18702 4305
New Car Loan
4.39%
Up to 84 Months
▼
APR4.39%
TermUp to 84 Months
Last UpdatedJul 6, 2026
Details
As Low As; This rate includes the .25% discount for Auto Pay.
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
4703 Hamilton Blvd, Allentown, PA, 18103
Fixed Rate New & Used Auto Loans
4.40%
Up to 60 Months
▼
APR4.40%
TermUp to 60 Months
Last UpdatedJul 15, 2026
Details
As Low As; 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.
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
1000 Fedex Dr, Moon Township, PA, 15108 9373
NEW Auto Loan
4.40%
Up to 36 months
▼
APR4.40%
TermUp to 36 months
Last UpdatedJul 15, 2026
Details
As Low As
HIGH POINT
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
1035 E Main St, Bradford, PA, 16701
Auto Loan
4.44%
Up to 48 Months
▼
APR4.44%
TermUp to 48 Months
Last UpdatedJul 14, 2026
Details
As Low As; 2022 - 2024
Top Tier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.18%
144 Holiday Inn Rd, Clarion, PA, 16214
Auto Loan Summer Special
4.49%
Up to 72 months
▼
APR4.49%
TermUp to 72 months
Last UpdatedJul 6, 2026
Details
As Low As; Up to 110% Financing
Top Tier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.18%
144 Holiday Inn Rd, Clarion, PA, 16214
New & Used Auto
4.49%
Up to 72 months
▼
APR4.49%
TermUp to 72 months
Last UpdatedJul 6, 2026
Details
As Low As; New & Used Auto (2026-2023)
Choice One Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.18%
101 Hazle St, Wilkes Barre, PA, 18702 4305
Auto Loan
4.49%
Up to 84 months
▼
APR4.49%
TermUp to 84 months
Last UpdatedJul 6, 2026
Details
As Low As; This rate includes the .25% discount with Auto Pay.
Choice One Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.18%
101 Hazle St, Wilkes Barre, PA, 18702 4305
New and Used Car Loans
4.49%
Up to 84 months
▼
APR4.49%
TermUp to 84 months
Last UpdatedJul 6, 2026
Details
As Low As; This rate includes the .25% discount with Auto Pay.
Freedom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
626 Jacksonville Rd, Warminster, PA, 18974 4862
Auto Loan
4.49%
67 - 75 mos.
▼
APR4.49%
Term67 - 75 mos.
Last UpdatedJul 10, 2026
Details
APR* As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
Auto Loans
4.49%
up to 36 months
▼
APR4.49%
Termup to 36 months
Last UpdatedJul 14, 2026
Details
As Low As; Auto Pay Discount: 4.39%
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
New or Used Vehicles Loan
4.49%
up to 36 months
▼
APR4.49%
Termup to 36 months
Last UpdatedJul 14, 2026
Details
As Low As; w/ Auto Pay Discount: 4.39%
Franklin Johnstown Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
310 Bloomfield St, Johnstown, PA, 15904 3202
New Vehicle Loan
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedJul 15, 2026
Details
As Low As; New 2026 & 2025 (Includes motorcycles)
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
2209 W State St, New Castle, PA, 16101 1138
New Autos | Never Titled
4.49%
65-76 months
▼
APR4.49%
Term65-76 months
Last UpdatedJul 15, 2026
Details
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
2209 W State St, New Castle, PA, 16101 1138
Used Autos
4.49%
Up to 52 months
▼
APR4.49%
TermUp to 52 months
Last UpdatedJul 15, 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 2027-2024 Model Year Loan
4.49%
36 months
▼
APR4.49%
Term36 months
Last UpdatedJul 15, 2026
Details
Min. value of car $15,000
Westmoreland Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.14%
1900 Franklin St, Greensburg, PA, 15601 5563
New Vehicles Loan
4.49%
36 months
▼
APR4.49%
Term36 months
Last UpdatedJul 15, 2026
Details
As low as 4.49%
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
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 UpdatedJul 15, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
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 UpdatedJul 15, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
640 Baltimore Dr, Wilkes Barre, PA, 18702 7943
New / Used vehicle 2021-2026 Loan
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedJul 15, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
640 Baltimore Dr, Wilkes Barre, PA, 18702 7943
Used Car, Truck, SUV Loans (2020 & older)
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedJul 15, 2026
Details
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
4139 E State St, Hermitage, PA, 16148 3402
New Auto Loan
4.49%
84 months
▼
APR4.49%
Term84 months
Last UpdatedJul 15, 2026
Details
Model Years 2024-2026; *
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
4139 E State St, Hermitage, PA, 16148 3402
Used Auto Loan
4.49%
up to 60 months
▼
APR4.49%
Termup to 60 months
Last UpdatedJul 15, 2026
Details
Model Years 2021-2023; *
Central Susquehanna Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
530 E market St, Danville, PA, 17821
New Vehicle Loan
4.49%
Up to 48 Months
▼
APR4.49%
TermUp to 48 Months
Last UpdatedJul 15, 2026
Details
Motorcycle, ATC, UTV, camper, boat, trailer and snowmobiles add 1.00% to rate.
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
1601 Kenneth Rd, York, PA, 17408 2228
New Vehicles Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedJul 15, 2026
Details
Locomotive And Control Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
1286 E 38th St, Erie, PA, 16504 3039
New Vehicle Loan
4.50%
36 Month Term
▼
APR4.50%
Term36 Month Term
Last UpdatedJul 6, 2026
Details
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
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 UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
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 UpdatedJul 6, 2026
Details
APR*
G.A.P. Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.65%
111 Franklin St Rm 224, Johnstown, PA, 15901
New Vehicle (2026, 2025) Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedJul 6, 2026
Details
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 to 60 months 100% MSRP
▼
APR4.50%
Term48 to 60 months 100% MSRP
Last UpdatedJul 10, 2026
Details
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 to 60 months 80-90% NADA retail
▼
APR4.50%
Term48 to 60 months 80-90% NADA retail
Last UpdatedJul 10, 2026
Details
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
16 E Main St, Leola, PA, 17540 1936
New & Used Auto Loans (2020 and Newer) 750+
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedJul 10, 2026
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
2970 Market St, Philadelphia, PA, 19104 5002
New Auto Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedJul 12, 2026
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
2970 Market St, Philadelphia, PA, 19104 5002
New Vehicles Loan
4.50%
up to 60 mos.
▼
APR4.50%
Termup to 60 mos.
Last UpdatedJul 12, 2026
Details
As Low As; New Vehicles
VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 8.57%
247 WILKES BARRE TOWNSHIP BLVD, WILKES BARRE, PA, 18702 6705
New Vehicle Loan
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedJul 14, 2026
Details
Zero Down Payment
VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 8.57%
247 WILKES BARRE TOWNSHIP BLVD, WILKES BARRE, PA, 18702 6705
Used Vehicle Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedJul 14, 2026
Details
2022 - NEWER
VASCO
Institution Rating:
A5.0 ★ Texas Ratio: 4.56%
432 Depot St, Latrobe, PA, 15650
New Vehicles Loan
4.50%
72 months
▼
APR4.50%
Term72 months
Last UpdatedJul 14, 2026
Details
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
710 3rd Ave, New Brighton, PA, 15066 1830
New Car Loans
4.50%
Up to 4 years
▼
APR4.50%
TermUp to 4 years
Last UpdatedJul 15, 2026
Details
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
710 3rd Ave, New Brighton, PA, 15066 1830
Used Car Loans 2024 - 2026 models
4.50%
4 years
▼
APR4.50%
Term4 years
Last UpdatedJul 15, 2026
Details
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 UpdatedJul 15, 2026
Details
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 UpdatedJul 15, 2026
Details
80-90% NADA retail
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
8500 Essington Ave Ste B, Philadelphia, PA, 19153 3716
Used Auto
4.59%
Up to 60 months
▼
APR4.59%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
640 Baltimore Dr, Wilkes Barre, PA, 18702 7943
New / Used Car, Truck, SUV Loan (2021 - 2026)
4.59%
84 Months
▼
APR4.59%
Term84 Months
Last UpdatedJul 15, 2026
Details
HIGH POINT
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
1035 E Main St, Bradford, PA, 16701
Auto Loan
4.64%
49-60 Months
▼
APR4.64%
Term49-60 Months
Last UpdatedJul 14, 2026
Details
As Low As; 2022 - 2024
Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.40%
1006 Pittston Ave, Scranton, PA, 18505
New Vehicle Loan
4.69%
Up to 36 Months
▼
APR4.69%
TermUp to 36 Months
Last UpdatedJul 11, 2026
Details
Maximum $50,000.00
Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.40%
1006 Pittston Ave, Scranton, PA, 18505
Used Vehicle Loan
4.69%
Up to 36 Months
▼
APR4.69%
TermUp to 36 Months
Last UpdatedJul 11, 2026
Details
Some Restrictions Apply Vehicles 2017 or newer
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
4139 E State St, Hermitage, PA, 16148 3402
Used Auto Loan
4.69%
72 months
▼
APR4.69%
Term72 months
Last UpdatedJul 15, 2026
Details
Model Years 2021-2023; *
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
20102 Valley Forge Cir, King of Prussia, PA, 19406 1179
New Auto Loans 24 Months
4.70%
24 Months
▼
APR4.70%
Term24 Months
Last UpdatedJul 6, 2026
Details
Top Tier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.18%
144 Holiday Inn Rd, Clarion, PA, 16214
Used Auto
4.74%
Up to 72 months
▼
APR4.74%
TermUp to 72 months
Last UpdatedJul 6, 2026
Details
As Low As; Used Auto (2022 to 2020)
HIGH POINT
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
1035 E Main St, Bradford, PA, 16701
Auto Loan
4.74%
61-75 Months
▼
APR4.74%
Term61-75 Months
Last UpdatedJul 14, 2026
Details
As Low As; 2025 & newer
United Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
6010 Mountain View Dr, West Mifflin, PA, 15122 2425
New Automobile
4.74%
60 Mos
▼
APR4.74%
Term60 Mos
Last UpdatedJul 15, 2026
Details
Model Years 2026 and 2025
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
2209 W State St, New Castle, PA, 16101 1138
Used Autos
4.74%
53 - 64 months
▼
APR4.74%
Term53 - 64 months
Last UpdatedJul 15, 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 2027-2024 Model Year Loan
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedJul 15, 2026
Details
Min. value of car $15,000
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
1601 Kenneth Rd, York, PA, 17408 2228
New Vehicles Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedJul 15, 2026
Details
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
566 S Main St, Wilkes Barre, PA, 18701 2102
Used Vehicles - Up To 2 Years Old - 100% Financed Loan
4.75%
72 mos.
▼
APR4.75%
Term72 mos.
Last UpdatedJul 6, 2026
Details
APR*
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
20102 Valley Forge Cir, King of Prussia, PA, 19406 1179
New Auto Loans 24 Months
4.75%
24 Months
▼
APR4.75%
Term24 Months
Last UpdatedJul 6, 2026
Details
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
16 E Main St, Leola, PA, 17540 1936
New & Used Auto Loans (2020 and Newer) 700 - 749
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedJul 10, 2026
Details
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
16 E Main St, Leola, PA, 17540 1936
New & Used Auto Loans (2020 and Newer) 750+
4.75%
72 months
▼
APR4.75%
Term72 months
Last UpdatedJul 10, 2026
Details
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
16 E Main St, Leola, PA, 17540 1936
Used Auto Loans (2019 and Older) 750+
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedJul 10, 2026
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
2970 Market St, Philadelphia, PA, 19104 5002
New Vehicles Loan
4.75%
61 to 72 mos.~
▼
APR4.75%
Term61 to 72 mos.~
Last UpdatedJul 12, 2026
Details
As Low As; New Vehicles
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
317 Brownsville Rd, Pittsburgh, PA, 15210
New Vehicles 2024-2026 (untitled or <10,000 miles) 36 Months Loan
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedJul 12, 2026
Details
Credit Level: Gold; Credit Score: 730 and Up
VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 8.57%
247 WILKES BARRE TOWNSHIP BLVD, WILKES BARRE, PA, 18702 6705
Used Vehicle Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedJul 14, 2026
Details
2022 - NEWER**
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
710 3rd Ave, New Brighton, PA, 15066 1830
New Car Loans
4.75%
Up to 5 and 6 years
▼
APR4.75%
TermUp to 5 and 6 years
Last UpdatedJul 15, 2026
Details
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
710 3rd Ave, New Brighton, PA, 15066 1830
Used Car Loans 2024 - 2026 models
4.75%
5 & 6 years
▼
APR4.75%
Term5 & 6 years
Last UpdatedJul 15, 2026
Details
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
5 Hot Metal St Ste 201, Pittsburgh, PA, 15203 2351
New / Used Vehicles Loan
4.75%
84 months
▼
APR4.75%
Term84 months
Last UpdatedJul 15, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
409 Center St Ste C, Johnsonburg, PA, 15845 1307
New or Used Vehicles Loan
4.75%
5 YEAR REPAY
▼
APR4.75%
Term5 YEAR REPAY
Last UpdatedJul 15, 2026
Details
As Low As; New or Used Vehicles
Visionary Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
201 Beram Ave, Bridgeville, PA, 15017 2941
New Vehicle Loan
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedJul 15, 2026
Details
As low as; 2025 and Newer
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
1601 Kenneth Rd, York, PA, 17408 2228
Used Vehicles Loan
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedJul 15, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
20102 Valley Forge Cir, King of Prussia, PA, 19406 1179
New Auto Loans 36 Months
4.80%
36 Months
▼
APR4.80%
Term36 Months
Last UpdatedJul 6, 2026
Details
HIGH POINT
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
1035 E Main St, Bradford, PA, 16701
Auto Loan
4.84%
Up to 48 Months
▼
APR4.84%
TermUp to 48 Months
Last UpdatedJul 14, 2026
Details
As Low As; 2017 - 2021
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
20102 Valley Forge Cir, King of Prussia, PA, 19406 1179
New Auto Loans 36 Months
4.85%
36 Months
▼
APR4.85%
Term36 Months
Last UpdatedJul 6, 2026
Details
Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.40%
1006 Pittston Ave, Scranton, PA, 18505
Used Vehicle Loan
4.89%
Up to 48 Months
▼
APR4.89%
TermUp to 48 Months
Last UpdatedJul 11, 2026
Details
Some Restrictions Apply Vehicles 2017 or newer
Diamond Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
1600 Medical Dr, Pottstown, PA, 19464 3242
Auto Loan Special
4.89%
up to 72 months
▼
APR4.89%
Termup to 72 months
Last UpdatedJul 11, 2026
Details
As Low As; Special Rates
USX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
PO Box 1728, Cranberry Twp, PA, 16066 0728
New and Used Vehicles Up to 48 months Loan
4.89%
48 months
▼
APR4.89%
Term48 months
Last UpdatedJul 14, 2026
Details
Central Susquehanna Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
530 E market St, Danville, PA, 17821
New Vehicle Loan
4.89%
49-60 Months
▼
APR4.89%
Term49-60 Months
Last UpdatedJul 15, 2026
Details
Motorcycle, ATC, UTV, camper, boat, trailer and snowmobiles add 1.00% to rate.
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
20102 Valley Forge Cir, King of Prussia, PA, 19406 1179
New Auto Loans 24 Months
4.90%
24 Months
▼
APR4.90%
Term24 Months
Last UpdatedJul 6, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
20102 Valley Forge Cir, King of Prussia, PA, 19406 1179
New Auto Loans 48 Months
4.90%
48 Months
▼
APR4.90%
Term48 Months
Last UpdatedJul 6, 2026
Details
Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.40%
1006 Pittston Ave, Scranton, PA, 18505
New Vehicle Loan
4.90%
Up to 48 Months
▼
APR4.90%
TermUp to 48 Months
Last UpdatedJul 11, 2026
Details
Maximum $50,000.00
UFCW LOCAL 23
Institution Rating:
A+5.0 ★ Texas Ratio: 5.17%
345 Southpointe Blvd, Canonsburg, PA, 15317
Used Auto 2024-2022
4.90%
5 years
▼
APR4.90%
Term5 years
Last UpdatedJul 14, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
4703 Hamilton Blvd, Allentown, PA, 18103
Fixed Rate New & Used Auto Loans
4.90%
Up to 72 Months
▼
APR4.90%
TermUp to 72 Months
Last UpdatedJul 15, 2026
Details
As Low As; 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.
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
710 3rd Ave, New Brighton, PA, 15066 1830
Used Car Loans 2014 - 2023 models
4.90%
4 years
▼
APR4.90%
Term4 years
Last UpdatedJul 15, 2026
Details
P&G Mehoopany Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
2859 SR 309 HWY, Dallas, PA, 18612
New and Used Auto Loan
4.90%
Up to 96 Months
▼
APR4.90%
TermUp to 96 Months
Last UpdatedJul 15, 2026
Details
HIGH POINT
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
1035 E Main St, Bradford, PA, 16701
Auto Loan
4.94%
61-75 Months
▼
APR4.94%
Term61-75 Months
Last UpdatedJul 14, 2026
Details
As Low As; 2022 - 2024
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
4139 E State St, Hermitage, PA, 16148 3402
Used Auto Loan
4.94%
84 months
▼
APR4.94%
Term84 months
Last UpdatedJul 15, 2026
Details
Model Years 2021-2023; *
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
20102 Valley Forge Cir, King of Prussia, PA, 19406 1179
New Auto Loans 48 Months
4.95%
48 Months
▼
APR4.95%
Term48 Months
Last UpdatedJul 6, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
20102 Valley Forge Cir, King of Prussia, PA, 19406 1179
New Auto Loans 63 Months
4.95%
63 Months
▼
APR4.95%
Term63 Months
Last UpdatedJul 6, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
20102 Valley Forge Cir, King of Prussia, PA, 19406 1179
Used Auto Loans - 24 Months
4.95%
24 Months
▼
APR4.95%
Term24 Months
Last UpdatedJul 6, 2026
Details
Credit Rating: A+
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
700 REGIS AVE, PITTSBURGH, PA, 15236 1425
New Vehicle Loans (2026-2025)
4.99%
3 Years
▼
APR4.99%
Term3 Years
Last UpdatedJul 6, 2026
Details
As Low As
Multi-Schools Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.85%
1033 Main St, Wampum, PA, 16157
New Car Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedJul 6, 2026
Details
Rates are 'as low as' and include a 0.25% discount for repayment made via payroll deduction or an automatic payment
Pennsylvania Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
959 E Park Dr, Harrisburg, PA, 17111 2810
Auto Loan
4.99%
Up to 84 months
▼
APR4.99%
TermUp to 84 months
Last UpdatedJul 6, 2026
Details
New or Used. Upgrade Your Ride!
Top Tier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.18%
144 Holiday Inn Rd, Clarion, PA, 16214
New & Used Auto
4.99%
Up to 84 months
▼
APR4.99%
TermUp to 84 months
Last UpdatedJul 6, 2026
Details
As Low As; New & Used Auto (2026-2023)
Upper Darby Bell Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
1410 Bywood Ave, Upper Darby, PA, 19082
Used Car Loans (Model Year 2019 - 2025) 24 months
4.99%
24 months
▼
APR4.99%
Term24 months
Last UpdatedJul 6, 2026
Details
As Low As
Upper Darby Bell Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
1410 Bywood Ave, Upper Darby, PA, 19082
Used Car Loans (Model Year 2019 - 2025) 36 months
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedJul 6, 2026
Details
As Low As
Upper Darby Bell Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
1410 Bywood Ave, Upper Darby, PA, 19082
Used Car Loans (Model Year 2019 - 2025) 48 months
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedJul 6, 2026
Details
As Low As
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2014 Laubach Ave, Northampton, PA, 18067 1351
New Autos
4.99%
Up to 72 months 100% MSRP
▼
APR4.99%
TermUp to 72 months 100% MSRP
Last UpdatedJul 10, 2026
Details
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
4.99%
Up to 72 months 80-90% NADA retail
▼
APR4.99%
TermUp to 72 months 80-90% NADA retail
Last UpdatedJul 10, 2026
Details
White Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
3498 Industrial Hwy, York, PA, 17402 9050
Auto Loans 2025 - 2026
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedJul 11, 2026
Details
As low as. NEW VEHICLES: Must be current or prior year model and must not have been previously titled. Tax, title, tags and optional products. Max LTV is 125% MSRP. All rates are based on "A+" credit and requires autopay.
New Alliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.31%
835 Merchant St, Ambridge, PA, 15003
Auto Loan
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedJul 12, 2026
Details
As Low As; 2024-2026
Bethlehem 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
2317 Easton Ave, Bethlehem, PA, 18017 5009
New Vehicle Loan
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedJul 12, 2026
Details
Rates subject to change. See branch for details.
Bethlehem 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
2317 Easton Ave, Bethlehem, PA, 18017 5009
Used Vehicles (2019-2026) Loan
4.99%
1-4 Years
▼
APR4.99%
Term1-4 Years
Last UpdatedJul 12, 2026
Details
Rates subject to change. See branch for details.
Omega Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.90%
206 Siebert Rd, Pittsburgh, PA, 15237
New Auto
4.99%
up to 60 months
▼
APR4.99%
Termup to 60 months
Last UpdatedJul 14, 2026
Details
As Low As
Omega Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.90%
206 Siebert Rd, Pittsburgh, PA, 15237
Used Auto
4.99%
up to 60 months
▼
APR4.99%
Termup to 60 months
Last UpdatedJul 14, 2026
Details
As Low As; APR
MERCK SHARP and DOHME
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
335 W Butler Ave, Chalfont, PA, 18914
New & Used Vehicle Loans
4.99%
Up to 60 Months*
▼
APR4.99%
TermUp to 60 Months*
Last UpdatedJul 14, 2026
Details
APR* is the Annual Percentage Rate. Rates shown are for qualified borrowers.
FORGE Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.38%
1402 Bywood Ave, Upper Darby, PA, 19082
New Auto
4.99%
36/48 Months
▼
APR4.99%
Term36/48 Months
Last UpdatedJul 14, 2026
Details
FORGE Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.38%
1402 Bywood Ave, Upper Darby, PA, 19082
Used Auto
4.99%
36/48 Months
▼
APR4.99%
Term36/48 Months
Last UpdatedJul 14, 2026
Details
autos 5 yrs old or newer
Allentown Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.00%
1325 Oxford Dr, Allentown, PA, 18103
Car Loans
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedJul 14, 2026
Details
Allentown Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.00%
1325 Oxford Dr, Allentown, PA, 18103
New/Used vehicle purchase Loan
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedJul 14, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
Auto Loans
4.99%
37 - 48 months
▼
APR4.99%
Term37 - 48 months
Last UpdatedJul 14, 2026
Details
As Low As; Auto Pay Discount: 4.89%
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
New or Used Vehicles Loan
4.99%
37 - 48 months
▼
APR4.99%
Term37 - 48 months
Last UpdatedJul 14, 2026
Details
As Low As; w/ Auto Pay Discount: 4.89%
West Aircomm Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.51%
485 Buffalo St, Beaver, PA, 15009 2058
New Vehicle (2025-2026) less than 20,000 miles Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedJul 15, 2026
Details
West Aircomm Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.51%
485 Buffalo St, Beaver, PA, 15009 2058
Used Vehicle (2019-2025) Loan
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedJul 15, 2026
Details
United Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
6010 Mountain View Dr, West Mifflin, PA, 15122 2425
Used Automobile
4.99%
60 Mos
▼
APR4.99%
Term60 Mos
Last UpdatedJul 15, 2026
Details
Model Years 2025-2023
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
2209 W State St, New Castle, PA, 16101 1138
Used Autos
4.99%
65 - 76 months
▼
APR4.99%
Term65 - 76 months
Last UpdatedJul 15, 2026
Details
CACL Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.85%
1800 W Market St, Pottsville, PA, 17901
New Vehicle Loan
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedJul 15, 2026
Details
CACL Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.85%
1800 W Market St, Pottsville, PA, 17901
Older Used Vehicle Loan
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedJul 15, 2026
Details
CACL Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.85%
1800 W Market St, Pottsville, PA, 17901
Used Vehicle Loan
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedJul 15, 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 2027-2024 Model Year Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedJul 15, 2026
Details
Min. value of car $15,000
Westmoreland Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.14%
1900 Franklin St, Greensburg, PA, 15601 5563
Used Vehicles Loan
4.99%
60 months or less
▼
APR4.99%
Term60 months or less
Last UpdatedJul 15, 2026
Details
As low as 4.99%; (2025-2026)
Ukrainian Selfreliance of Western PA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.99%
700 Washington Ave, Carnegie, PA, 15106
Car Loan
4.99%
up to 36 months
▼
APR4.99%
Termup to 36 months
Last UpdatedJul 15, 2026
Details
Rate is lowest rate based on credit score. Rates available for longer loan terms. Loan refinancing is only for other lender loans. Current loans at Ukrainian Selfreliance of WPA FCU are excluded.
Pennsylvania American Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.85%
6050 Library Rd, Bethel Park, PA, 15102 4026
NEW OR USED VEHICLE LOANS (2024-2026) - 36 months or less
4.99%
36 months or less
▼
APR4.99%
Term36 months or less
Last UpdatedJul 15, 2026
Details
Tier-1 750-Above
Pennsylvania American Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.85%
6050 Library Rd, Bethel Park, PA, 15102 4026
NEW OR USED VEHICLE LOANS (2024-2026) - 48 months
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedJul 15, 2026
Details
Tier-1 750-Above
Pennsylvania American Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.85%
6050 Library Rd, Bethel Park, PA, 15102 4026
NEW OR USED VEHICLE LOANS (2024-2026) - 60 months
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedJul 15, 2026
Details
Tier-1 750-Above
Pennsylvania American Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.85%
6050 Library Rd, Bethel Park, PA, 15102 4026
NEW OR USED VEHICLE LOANS (2024-2026) 36 months or less
4.99%
36 months or less
▼
APR4.99%
Term36 months or less
Last UpdatedJul 15, 2026
Details
Tier-1 750-Above
Pennsylvania American Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.85%
6050 Library Rd, Bethel Park, PA, 15102 4026
NEW OR USED VEHICLE LOANS (2024-2026) 48 months
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedJul 15, 2026
Details
Tier-1 750-Above
Pennsylvania American Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.85%
6050 Library Rd, Bethel Park, PA, 15102 4026
NEW OR USED VEHICLE LOANS (2024-2026) 60 months
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedJul 15, 2026
Details
Tier-1 750-Above
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
1000 Fedex Dr, Moon Township, PA, 15108 9373
NEW Auto Loan
4.99%
37 - 60 months
▼
APR4.99%
Term37 - 60 months
Last UpdatedJul 15, 2026
Details
As Low As
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
1000 Fedex Dr, Moon Township, PA, 15108 9373
USED Auto Loan
4.99%
Up to 36 months
▼
APR4.99%
TermUp to 36 months
Last UpdatedJul 15, 2026
Details
As Low As
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
1601 Cherry St, Phila, PA, 19102 1320
Used Auto Loan
4.99%
66-Month
▼
APR4.99%
Term66-Month
Last UpdatedJul 15, 2026
Details
as low as
Trouvaille Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
4700 Wissahickon Ave, Philadelphia, PA, 19144 4248
New Auto Loans
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedJul 15, 2026
Details
As Low As
UFCW Local 1776 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
3031A Walton Rd Ste 310, Plymouth Meeting, PA, 19462 2369
New Vehicles Loan
4.99%
6 Years
▼
APR4.99%
Term6 Years
Last UpdatedJul 15, 2026
Details
As Low As;*
UFCW Local 1776 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
3031A Walton Rd Ste 310, Plymouth Meeting, PA, 19462 2369
Used Vehicles Loan
4.99%
5 Years (2023 - 2026)
▼
APR4.99%
Term5 Years (2023 - 2026)
Last UpdatedJul 15, 2026
Details
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
4.99%
Up to 72 months
▼
APR4.99%
TermUp to 72 months
Last UpdatedJul 15, 2026
Details
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
4.99%
Up to 72 months
▼
APR4.99%
TermUp to 72 months
Last UpdatedJul 15, 2026
Details
80-90% NADA retail
Susquehanna Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
3850 Hartzdale Dr, Camp Hill, PA, 17011 7809
Autos 2023 & Newer
4.99%
Up to 60 Months
▼
APR4.99%
TermUp to 60 Months
Last UpdatedJul 15, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
640 Baltimore Dr, Wilkes Barre, PA, 18702 7943
New / Used vehicle 2020 & older Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedJul 15, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
640 Baltimore Dr, Wilkes Barre, PA, 18702 7943
Used Car, Truck, SUV Loans (2020 & older)
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedJul 15, 2026
Details
Priority First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.80%
550 Main St, Brockway, PA, 15824
New Vehicle Loan
4.99%
up to 60 months
▼
APR4.99%
Termup to 60 months
Last UpdatedJul 15, 2026
Details
As Low As; Model Year: New 2026 - 2024
Priority First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.80%
550 Main St, Brockway, PA, 15824
Used Vehicle Loan
4.99%
60-63 months
▼
APR4.99%
Term60-63 months
Last UpdatedJul 15, 2026
Details
As Low As; Model Year: Used 2025 - 2022
Priority First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.80%
550 Main St, Brockway, PA, 15824
Vehicle Loan
4.99%
up to 60 months
▼
APR4.99%
Termup to 60 months
Last UpdatedJul 15, 2026
Details
As Low As; Model Year: 2021 - 2020
Powered by
MonitorBankRates
Pennsylvania New Auto 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: 3.13%
4703 Hamilton Blvd, Allentown, PA, 18103
Fixed Rate New & Used Auto Loans
2.99%
Up to 36 Months
▼
APR2.99%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
As Low As; 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.
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
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 UpdatedJul 15, 2026
Details
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
566 S Main St, Wilkes Barre, PA, 18701 2102
New Vehicles 12 mos. Loan
3.25%
12 mos.
▼
APR3.25%
Term12 mos.
Last UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
566 S Main St, Wilkes Barre, PA, 18701 2102
New Vehicles 24 mos. Loan
3.25%
24 mos.
▼
APR3.25%
Term24 mos.
Last UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
566 S Main St, Wilkes Barre, PA, 18701 2102
New Vehicles Loan
3.25%
12 mos.
▼
APR3.25%
Term12 mos.
Last UpdatedJul 6, 2026
Details
APR*
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
8500 Essington Ave Ste B, Philadelphia, PA, 19153 3716
New Auto
3.34%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 8.57%
247 WILKES BARRE TOWNSHIP BLVD, WILKES BARRE, PA, 18702 6705
New Vehicle Loan
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedJul 14, 2026
Details
Zero Down Payment
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
566 S Main St, Wilkes Barre, PA, 18701 2102
New Vehicles 36 mos. Loan
3.50%
36 mos.
▼
APR3.50%
Term36 mos.
Last UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
566 S Main St, Wilkes Barre, PA, 18701 2102
New Vehicles Loan
3.50%
36 mos.
▼
APR3.50%
Term36 mos.
Last UpdatedJul 6, 2026
Details
APR*
UFCW COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
377 Wyoming Ave, Wyoming, PA, 18644
New Vehicle Loans
3.70%
Up to 84 months
▼
APR3.70%
TermUp to 84 months
Last UpdatedJul 14, 2026
Details
As Low As
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
2209 W State St, New Castle, PA, 16101 1138
New Autos | Never Titled
3.74%
41-52 months
▼
APR3.74%
Term41-52 months
Last UpdatedJul 15, 2026
Details
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
566 S Main St, Wilkes Barre, PA, 18701 2102
New Vehicles 48 mos. Loan
3.75%
48 mos.
▼
APR3.75%
Term48 mos.
Last UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
566 S Main St, Wilkes Barre, PA, 18701 2102
New Vehicles Loan
3.75%
48 mos.
▼
APR3.75%
Term48 mos.
Last UpdatedJul 6, 2026
Details
APR*
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
5 Hot Metal St Ste 201, Pittsburgh, PA, 15203 2351
New / Used Vehicles Loan
3.75%
48 months
▼
APR3.75%
Term48 months
Last UpdatedJul 15, 2026
Details
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
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 UpdatedJul 15, 2026
Details
UFCW LOCAL 23
Institution Rating:
A+5.0 ★ Texas Ratio: 5.17%
345 Southpointe Blvd, Canonsburg, PA, 15317
New Auto 2025-2024
3.90%
6 years
▼
APR3.90%
Term6 years
Last UpdatedJul 14, 2026
Details
Stanwood Area Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
444 Arona Rd, New Stanton, PA, 15672
New Auto
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedJul 6, 2026
Details
UFCW Local 1776 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
3031A Walton Rd Ste 310, Plymouth Meeting, PA, 19462 2369
New Vehicles Loan
3.99%
5 Years
▼
APR3.99%
Term5 Years
Last UpdatedJul 15, 2026
Details
As Low As;*
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
4139 E State St, Hermitage, PA, 16148 3402
New Auto Loan
3.99%
up to 60 months
▼
APR3.99%
Termup to 60 months
Last UpdatedJul 15, 2026
Details
Model Years 2024-2026; *
Citymark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
40 E Market St, Wilkes Barre, PA, 18711
New Car Loan
3.99%
Up to 96 months
▼
APR3.99%
TermUp to 96 months
Last UpdatedJul 15, 2026
Details
As Low As; (based on credit score)
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
566 S Main St, Wilkes Barre, PA, 18701 2102
New Vehicles 60 mos. Loan
4.00%
60 mos.
▼
APR4.00%
Term60 mos.
Last UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
566 S Main St, Wilkes Barre, PA, 18701 2102
New Vehicles Loan
4.00%
60 mos.
▼
APR4.00%
Term60 mos.
Last UpdatedJul 6, 2026
Details
APR*
G.A.P. Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.65%
111 Franklin St Rm 224, Johnstown, PA, 15901
New Vehicle (2026, 2025) Loan
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedJul 6, 2026
Details
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 UpdatedJul 10, 2026
Details
VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 8.57%
247 WILKES BARRE TOWNSHIP BLVD, WILKES BARRE, PA, 18702 6705
New Vehicle Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedJul 14, 2026
Details
Zero Down Payment
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
5 Hot Metal St Ste 201, Pittsburgh, PA, 15203 2351
New / Used Vehicles Loan
4.00%
60 months
▼
APR4.00%
Term60 months
Last UpdatedJul 15, 2026
Details
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 UpdatedJul 15, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
8500 Essington Ave Ste B, Philadelphia, PA, 19153 3716
New Auto
4.09%
Up to 60 months
▼
APR4.09%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
4703 Hamilton Blvd, Allentown, PA, 18103
Fixed Rate New & Used Auto Loans
4.15%
Up to 48 Months
▼
APR4.15%
TermUp to 48 Months
Last UpdatedJul 15, 2026
Details
As Low As; 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.
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
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 UpdatedJul 15, 2026
Details
As Low As; New or Used Vehicles
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
2209 W State St, New Castle, PA, 16101 1138
New Autos | Never Titled
4.24%
53-64 months
▼
APR4.24%
Term53-64 months
Last UpdatedJul 15, 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 2027-2024 Model Year Loan
4.24%
24 months
▼
APR4.24%
Term24 months
Last UpdatedJul 15, 2026
Details
Min. value of car $15,000
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
4139 E State St, Hermitage, PA, 16148 3402
New Auto Loan
4.24%
72 months
▼
APR4.24%
Term72 months
Last UpdatedJul 15, 2026
Details
Model Years 2024-2026; *
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
566 S Main St, Wilkes Barre, PA, 18701 2102
New Vehicles 72 mos. Loan
4.25%
72 mos.
▼
APR4.25%
Term72 mos.
Last UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
566 S Main St, Wilkes Barre, PA, 18701 2102
New Vehicles Loan
4.25%
72 mos.
▼
APR4.25%
Term72 mos.
Last UpdatedJul 6, 2026
Details
APR*
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 80-90% NADA retail
▼
APR4.25%
TermUp to 36 months 80-90% NADA retail
Last UpdatedJul 10, 2026
Details
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
710 3rd Ave, New Brighton, PA, 15066 1830
New Car Loans
4.25%
Up to 3 years
▼
APR4.25%
TermUp to 3 years
Last UpdatedJul 15, 2026
Details
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
5 Hot Metal St Ste 201, Pittsburgh, PA, 15203 2351
New / Used Vehicles Loan
4.25%
72 months
▼
APR4.25%
Term72 months
Last UpdatedJul 15, 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 UpdatedJul 15, 2026
Details
80-90% NADA retail
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
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 UpdatedJul 15, 2026
Details
As Low As; New or Used Vehicles
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
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 UpdatedJul 15, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
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 UpdatedJul 15, 2026
Details
Choice One Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.18%
101 Hazle St, Wilkes Barre, PA, 18702 4305
New Car Loan
4.39%
Up to 84 Months
▼
APR4.39%
TermUp to 84 Months
Last UpdatedJul 6, 2026
Details
As Low As; This rate includes the .25% discount for Auto Pay.
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
4703 Hamilton Blvd, Allentown, PA, 18103
Fixed Rate New & Used Auto Loans
4.40%
Up to 60 Months
▼
APR4.40%
TermUp to 60 Months
Last UpdatedJul 15, 2026
Details
As Low As; 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.
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
1000 Fedex Dr, Moon Township, PA, 15108 9373
NEW Auto Loan
4.40%
Up to 36 months
▼
APR4.40%
TermUp to 36 months
Last UpdatedJul 15, 2026
Details
As Low As
Top Tier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.18%
144 Holiday Inn Rd, Clarion, PA, 16214
New & Used Auto
4.49%
Up to 72 months
▼
APR4.49%
TermUp to 72 months
Last UpdatedJul 6, 2026
Details
As Low As; New & Used Auto (2026-2023)
Choice One Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.18%
101 Hazle St, Wilkes Barre, PA, 18702 4305
New and Used Car Loans
4.49%
Up to 84 months
▼
APR4.49%
TermUp to 84 months
Last UpdatedJul 6, 2026
Details
As Low As; This rate includes the .25% discount with Auto Pay.
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
New or Used Vehicles Loan
4.49%
up to 36 months
▼
APR4.49%
Termup to 36 months
Last UpdatedJul 14, 2026
Details
As Low As; w/ Auto Pay Discount: 4.39%
Franklin Johnstown Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
310 Bloomfield St, Johnstown, PA, 15904 3202
New Vehicle Loan
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedJul 15, 2026
Details
As Low As; New 2026 & 2025 (Includes motorcycles)
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
2209 W State St, New Castle, PA, 16101 1138
New Autos | Never Titled
4.49%
65-76 months
▼
APR4.49%
Term65-76 months
Last UpdatedJul 15, 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 2027-2024 Model Year Loan
4.49%
36 months
▼
APR4.49%
Term36 months
Last UpdatedJul 15, 2026
Details
Min. value of car $15,000
Westmoreland Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.14%
1900 Franklin St, Greensburg, PA, 15601 5563
New Vehicles Loan
4.49%
36 months
▼
APR4.49%
Term36 months
Last UpdatedJul 15, 2026
Details
As low as 4.49%
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
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 UpdatedJul 15, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
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 UpdatedJul 15, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
640 Baltimore Dr, Wilkes Barre, PA, 18702 7943
New / Used vehicle 2021-2026 Loan
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedJul 15, 2026
Details
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
4139 E State St, Hermitage, PA, 16148 3402
New Auto Loan
4.49%
84 months
▼
APR4.49%
Term84 months
Last UpdatedJul 15, 2026
Details
Model Years 2024-2026; *
Central Susquehanna Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
530 E market St, Danville, PA, 17821
New Vehicle Loan
4.49%
Up to 48 Months
▼
APR4.49%
TermUp to 48 Months
Last UpdatedJul 15, 2026
Details
Motorcycle, ATC, UTV, camper, boat, trailer and snowmobiles add 1.00% to rate.
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
1601 Kenneth Rd, York, PA, 17408 2228
New Vehicles Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedJul 15, 2026
Details
Locomotive And Control Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
1286 E 38th St, Erie, PA, 16504 3039
New Vehicle Loan
4.50%
36 Month Term
▼
APR4.50%
Term36 Month Term
Last UpdatedJul 6, 2026
Details
G.A.P. Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.65%
111 Franklin St Rm 224, Johnstown, PA, 15901
New Vehicle (2026, 2025) Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedJul 6, 2026
Details
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 to 60 months 100% MSRP
▼
APR4.50%
Term48 to 60 months 100% MSRP
Last UpdatedJul 10, 2026
Details
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 to 60 months 80-90% NADA retail
▼
APR4.50%
Term48 to 60 months 80-90% NADA retail
Last UpdatedJul 10, 2026
Details
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
16 E Main St, Leola, PA, 17540 1936
New & Used Auto Loans (2020 and Newer) 750+
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedJul 10, 2026
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
2970 Market St, Philadelphia, PA, 19104 5002
New Auto Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedJul 12, 2026
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
2970 Market St, Philadelphia, PA, 19104 5002
New Vehicles Loan
4.50%
up to 60 mos.
▼
APR4.50%
Termup to 60 mos.
Last UpdatedJul 12, 2026
Details
As Low As; New Vehicles
VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 8.57%
247 WILKES BARRE TOWNSHIP BLVD, WILKES BARRE, PA, 18702 6705
New Vehicle Loan
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedJul 14, 2026
Details
Zero Down Payment
VASCO
Institution Rating:
A5.0 ★ Texas Ratio: 4.56%
432 Depot St, Latrobe, PA, 15650
New Vehicles Loan
4.50%
72 months
▼
APR4.50%
Term72 months
Last UpdatedJul 14, 2026
Details
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
710 3rd Ave, New Brighton, PA, 15066 1830
New Car Loans
4.50%
Up to 4 years
▼
APR4.50%
TermUp to 4 years
Last UpdatedJul 15, 2026
Details
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 UpdatedJul 15, 2026
Details
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 UpdatedJul 15, 2026
Details
80-90% NADA retail
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
640 Baltimore Dr, Wilkes Barre, PA, 18702 7943
New / Used Car, Truck, SUV Loan (2021 - 2026)
4.59%
84 Months
▼
APR4.59%
Term84 Months
Last UpdatedJul 15, 2026
Details
Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.40%
1006 Pittston Ave, Scranton, PA, 18505
New Vehicle Loan
4.69%
Up to 36 Months
▼
APR4.69%
TermUp to 36 Months
Last UpdatedJul 11, 2026
Details
Maximum $50,000.00
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
20102 Valley Forge Cir, King of Prussia, PA, 19406 1179
New Auto Loans 24 Months
4.70%
24 Months
▼
APR4.70%
Term24 Months
Last UpdatedJul 6, 2026
Details
United Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
6010 Mountain View Dr, West Mifflin, PA, 15122 2425
New Automobile
4.74%
60 Mos
▼
APR4.74%
Term60 Mos
Last UpdatedJul 15, 2026
Details
Model Years 2026 and 2025
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 2027-2024 Model Year Loan
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedJul 15, 2026
Details
Min. value of car $15,000
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
1601 Kenneth Rd, York, PA, 17408 2228
New Vehicles Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedJul 15, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
20102 Valley Forge Cir, King of Prussia, PA, 19406 1179
New Auto Loans 24 Months
4.75%
24 Months
▼
APR4.75%
Term24 Months
Last UpdatedJul 6, 2026
Details
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
16 E Main St, Leola, PA, 17540 1936
New & Used Auto Loans (2020 and Newer) 700 - 749
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedJul 10, 2026
Details
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
16 E Main St, Leola, PA, 17540 1936
New & Used Auto Loans (2020 and Newer) 750+
4.75%
72 months
▼
APR4.75%
Term72 months
Last UpdatedJul 10, 2026
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
2970 Market St, Philadelphia, PA, 19104 5002
New Vehicles Loan
4.75%
61 to 72 mos.~
▼
APR4.75%
Term61 to 72 mos.~
Last UpdatedJul 12, 2026
Details
As Low As; New Vehicles
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
317 Brownsville Rd, Pittsburgh, PA, 15210
New Vehicles 2024-2026 (untitled or <10,000 miles) 36 Months Loan
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedJul 12, 2026
Details
Credit Level: Gold; Credit Score: 730 and Up
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
710 3rd Ave, New Brighton, PA, 15066 1830
New Car Loans
4.75%
Up to 5 and 6 years
▼
APR4.75%
TermUp to 5 and 6 years
Last UpdatedJul 15, 2026
Details
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
5 Hot Metal St Ste 201, Pittsburgh, PA, 15203 2351
New / Used Vehicles Loan
4.75%
84 months
▼
APR4.75%
Term84 months
Last UpdatedJul 15, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
409 Center St Ste C, Johnsonburg, PA, 15845 1307
New or Used Vehicles Loan
4.75%
5 YEAR REPAY
▼
APR4.75%
Term5 YEAR REPAY
Last UpdatedJul 15, 2026
Details
As Low As; New or Used Vehicles
Visionary Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
201 Beram Ave, Bridgeville, PA, 15017 2941
New Vehicle Loan
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedJul 15, 2026
Details
As low as; 2025 and Newer
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
20102 Valley Forge Cir, King of Prussia, PA, 19406 1179
New Auto Loans 36 Months
4.80%
36 Months
▼
APR4.80%
Term36 Months
Last UpdatedJul 6, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
20102 Valley Forge Cir, King of Prussia, PA, 19406 1179
New Auto Loans 36 Months
4.85%
36 Months
▼
APR4.85%
Term36 Months
Last UpdatedJul 6, 2026
Details
USX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
PO Box 1728, Cranberry Twp, PA, 16066 0728
New and Used Vehicles Up to 48 months Loan
4.89%
48 months
▼
APR4.89%
Term48 months
Last UpdatedJul 14, 2026
Details
Central Susquehanna Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
530 E market St, Danville, PA, 17821
New Vehicle Loan
4.89%
49-60 Months
▼
APR4.89%
Term49-60 Months
Last UpdatedJul 15, 2026
Details
Motorcycle, ATC, UTV, camper, boat, trailer and snowmobiles add 1.00% to rate.
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
20102 Valley Forge Cir, King of Prussia, PA, 19406 1179
New Auto Loans 24 Months
4.90%
24 Months
▼
APR4.90%
Term24 Months
Last UpdatedJul 6, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
20102 Valley Forge Cir, King of Prussia, PA, 19406 1179
New Auto Loans 48 Months
4.90%
48 Months
▼
APR4.90%
Term48 Months
Last UpdatedJul 6, 2026
Details
Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.40%
1006 Pittston Ave, Scranton, PA, 18505
New Vehicle Loan
4.90%
Up to 48 Months
▼
APR4.90%
TermUp to 48 Months
Last UpdatedJul 11, 2026
Details
Maximum $50,000.00
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
4703 Hamilton Blvd, Allentown, PA, 18103
Fixed Rate New & Used Auto Loans
4.90%
Up to 72 Months
▼
APR4.90%
TermUp to 72 Months
Last UpdatedJul 15, 2026
Details
As Low As; 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.
P&G Mehoopany Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
2859 SR 309 HWY, Dallas, PA, 18612
New and Used Auto Loan
4.90%
Up to 96 Months
▼
APR4.90%
TermUp to 96 Months
Last UpdatedJul 15, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
20102 Valley Forge Cir, King of Prussia, PA, 19406 1179
New Auto Loans 48 Months
4.95%
48 Months
▼
APR4.95%
Term48 Months
Last UpdatedJul 6, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
20102 Valley Forge Cir, King of Prussia, PA, 19406 1179
New Auto Loans 63 Months
4.95%
63 Months
▼
APR4.95%
Term63 Months
Last UpdatedJul 6, 2026
Details
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
700 REGIS AVE, PITTSBURGH, PA, 15236 1425
New Vehicle Loans (2026-2025)
4.99%
3 Years
▼
APR4.99%
Term3 Years
Last UpdatedJul 6, 2026
Details
As Low As
Multi-Schools Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.85%
1033 Main St, Wampum, PA, 16157
New Car Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedJul 6, 2026
Details
Rates are 'as low as' and include a 0.25% discount for repayment made via payroll deduction or an automatic payment
Top Tier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.18%
144 Holiday Inn Rd, Clarion, PA, 16214
New & Used Auto
4.99%
Up to 84 months
▼
APR4.99%
TermUp to 84 months
Last UpdatedJul 6, 2026
Details
As Low As; New & Used Auto (2026-2023)
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2014 Laubach Ave, Northampton, PA, 18067 1351
New Autos
4.99%
Up to 72 months 100% MSRP
▼
APR4.99%
TermUp to 72 months 100% MSRP
Last UpdatedJul 10, 2026
Details
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
4.99%
Up to 72 months 80-90% NADA retail
▼
APR4.99%
TermUp to 72 months 80-90% NADA retail
Last UpdatedJul 10, 2026
Details
Bethlehem 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
2317 Easton Ave, Bethlehem, PA, 18017 5009
New Vehicle Loan
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedJul 12, 2026
Details
Rates subject to change. See branch for details.
Omega Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.90%
206 Siebert Rd, Pittsburgh, PA, 15237
New Auto
4.99%
up to 60 months
▼
APR4.99%
Termup to 60 months
Last UpdatedJul 14, 2026
Details
As Low As
MERCK SHARP and DOHME
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
335 W Butler Ave, Chalfont, PA, 18914
New & Used Vehicle Loans
4.99%
Up to 60 Months*
▼
APR4.99%
TermUp to 60 Months*
Last UpdatedJul 14, 2026
Details
APR* is the Annual Percentage Rate. Rates shown are for qualified borrowers.
FORGE Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.38%
1402 Bywood Ave, Upper Darby, PA, 19082
New Auto
4.99%
36/48 Months
▼
APR4.99%
Term36/48 Months
Last UpdatedJul 14, 2026
Details
Allentown Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.00%
1325 Oxford Dr, Allentown, PA, 18103
New/Used vehicle purchase Loan
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedJul 14, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
New or Used Vehicles Loan
4.99%
37 - 48 months
▼
APR4.99%
Term37 - 48 months
Last UpdatedJul 14, 2026
Details
As Low As; w/ Auto Pay Discount: 4.89%
West Aircomm Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.51%
485 Buffalo St, Beaver, PA, 15009 2058
New Vehicle (2025-2026) less than 20,000 miles Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedJul 15, 2026
Details
CACL Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.85%
1800 W Market St, Pottsville, PA, 17901
New Vehicle Loan
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedJul 15, 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 2027-2024 Model Year Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedJul 15, 2026
Details
Min. value of car $15,000
Pennsylvania American Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.85%
6050 Library Rd, Bethel Park, PA, 15102 4026
NEW OR USED VEHICLE LOANS (2024-2026) - 36 months or less
4.99%
36 months or less
▼
APR4.99%
Term36 months or less
Last UpdatedJul 15, 2026
Details
Tier-1 750-Above
Pennsylvania American Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.85%
6050 Library Rd, Bethel Park, PA, 15102 4026
NEW OR USED VEHICLE LOANS (2024-2026) - 48 months
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedJul 15, 2026
Details
Tier-1 750-Above
Pennsylvania American Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.85%
6050 Library Rd, Bethel Park, PA, 15102 4026
NEW OR USED VEHICLE LOANS (2024-2026) - 60 months
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedJul 15, 2026
Details
Tier-1 750-Above
Pennsylvania American Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.85%
6050 Library Rd, Bethel Park, PA, 15102 4026
NEW OR USED VEHICLE LOANS (2024-2026) 36 months or less
4.99%
36 months or less
▼
APR4.99%
Term36 months or less
Last UpdatedJul 15, 2026
Details
Tier-1 750-Above
Pennsylvania American Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.85%
6050 Library Rd, Bethel Park, PA, 15102 4026
NEW OR USED VEHICLE LOANS (2024-2026) 48 months
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedJul 15, 2026
Details
Tier-1 750-Above
Pennsylvania American Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.85%
6050 Library Rd, Bethel Park, PA, 15102 4026
NEW OR USED VEHICLE LOANS (2024-2026) 60 months
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedJul 15, 2026
Details
Tier-1 750-Above
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
1000 Fedex Dr, Moon Township, PA, 15108 9373
NEW Auto Loan
4.99%
37 - 60 months
▼
APR4.99%
Term37 - 60 months
Last UpdatedJul 15, 2026
Details
As Low As
Trouvaille Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
4700 Wissahickon Ave, Philadelphia, PA, 19144 4248
New Auto Loans
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedJul 15, 2026
Details
As Low As
UFCW Local 1776 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
3031A Walton Rd Ste 310, Plymouth Meeting, PA, 19462 2369
New Vehicles Loan
4.99%
6 Years
▼
APR4.99%
Term6 Years
Last UpdatedJul 15, 2026
Details
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
4.99%
Up to 72 months
▼
APR4.99%
TermUp to 72 months
Last UpdatedJul 15, 2026
Details
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
4.99%
Up to 72 months
▼
APR4.99%
TermUp to 72 months
Last UpdatedJul 15, 2026
Details
80-90% NADA retail
Susquehanna Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
3850 Hartzdale Dr, Camp Hill, PA, 17011 7809
Autos 2023 & Newer
4.99%
Up to 60 Months
▼
APR4.99%
TermUp to 60 Months
Last UpdatedJul 15, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
640 Baltimore Dr, Wilkes Barre, PA, 18702 7943
New / Used vehicle 2020 & older Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedJul 15, 2026
Details
Priority First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.80%
550 Main St, Brockway, PA, 15824
New Vehicle Loan
4.99%
up to 60 months
▼
APR4.99%
Termup to 60 months
Last UpdatedJul 15, 2026
Details
As Low As; Model Year: New 2026 - 2024
Powered by
MonitorBankRates
Pennsylvania Used Auto 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: 3.13%
4703 Hamilton Blvd, Allentown, PA, 18103
Fixed Rate New & Used Auto Loans
2.99%
Up to 36 Months
▼
APR2.99%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
As Low As; 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.
VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 8.57%
247 WILKES BARRE TOWNSHIP BLVD, WILKES BARRE, PA, 18702 6705
Used Vehicle Loan
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedJul 14, 2026
Details
2016-2019
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
2209 W State St, New Castle, PA, 16101 1138
Used Autos
3.49%
Up to 40 Months
▼
APR3.49%
TermUp to 40 Months
Last UpdatedJul 15, 2026
Details
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
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 UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
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 UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
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 UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
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 UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
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 UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
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 UpdatedJul 6, 2026
Details
APR*
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
5 Hot Metal St Ste 201, Pittsburgh, PA, 15203 2351
New / Used Vehicles Loan
3.75%
48 months
▼
APR3.75%
Term48 months
Last UpdatedJul 15, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
8500 Essington Ave Ste B, Philadelphia, PA, 19153 3716
Used Auto
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
Citymark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
40 E Market St, Wilkes Barre, PA, 18711
Used Car Loan
3.99%
Up to 96 months
▼
APR3.99%
TermUp to 96 months
Last UpdatedJul 15, 2026
Details
As low as; (based on credit score)
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
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 UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
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 UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
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 UpdatedJul 6, 2026
Details
APR*
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
5 Hot Metal St Ste 201, Pittsburgh, PA, 15203 2351
New / Used Vehicles Loan
4.00%
60 months
▼
APR4.00%
Term60 months
Last UpdatedJul 15, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
4703 Hamilton Blvd, Allentown, PA, 18103
Fixed Rate New & Used Auto Loans
4.15%
Up to 48 Months
▼
APR4.15%
TermUp to 48 Months
Last UpdatedJul 15, 2026
Details
As Low As; 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.
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
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 UpdatedJul 15, 2026
Details
As Low As; New or Used Vehicles
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 2027-2024 Model Year Loan
4.24%
24 months
▼
APR4.24%
Term24 months
Last UpdatedJul 15, 2026
Details
Min. value of car $15,000
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
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 UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
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 UpdatedJul 6, 2026
Details
APR*
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 80-90% NADA retail
▼
APR4.25%
TermUp to 36 months 80-90% NADA retail
Last UpdatedJul 10, 2026
Details
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
710 3rd Ave, New Brighton, PA, 15066 1830
Used Car Loans 2024 - 2026 models
4.25%
3 years
▼
APR4.25%
Term3 years
Last UpdatedJul 15, 2026
Details
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
5 Hot Metal St Ste 201, Pittsburgh, PA, 15203 2351
New / Used Vehicles Loan
4.25%
72 months
▼
APR4.25%
Term72 months
Last UpdatedJul 15, 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 UpdatedJul 15, 2026
Details
80-90% NADA retail
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
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 UpdatedJul 15, 2026
Details
As Low As; New or Used Vehicles
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
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 UpdatedJul 15, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
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 UpdatedJul 15, 2026
Details
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
2209 W State St, New Castle, PA, 16101 1138
Used Autos
4.37%
41 - 52 months
▼
APR4.37%
Term41 - 52 months
Last UpdatedJul 15, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
4703 Hamilton Blvd, Allentown, PA, 18103
Fixed Rate New & Used Auto Loans
4.40%
Up to 60 Months
▼
APR4.40%
TermUp to 60 Months
Last UpdatedJul 15, 2026
Details
As Low As; 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.
Top Tier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.18%
144 Holiday Inn Rd, Clarion, PA, 16214
New & Used Auto
4.49%
Up to 72 months
▼
APR4.49%
TermUp to 72 months
Last UpdatedJul 6, 2026
Details
As Low As; New & Used Auto (2026-2023)
Choice One Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.18%
101 Hazle St, Wilkes Barre, PA, 18702 4305
New and Used Car Loans
4.49%
Up to 84 months
▼
APR4.49%
TermUp to 84 months
Last UpdatedJul 6, 2026
Details
As Low As; This rate includes the .25% discount with Auto Pay.
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
New or Used Vehicles Loan
4.49%
up to 36 months
▼
APR4.49%
Termup to 36 months
Last UpdatedJul 14, 2026
Details
As Low As; w/ Auto Pay Discount: 4.39%
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
2209 W State St, New Castle, PA, 16101 1138
Used Autos
4.49%
Up to 52 months
▼
APR4.49%
TermUp to 52 months
Last UpdatedJul 15, 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 2027-2024 Model Year Loan
4.49%
36 months
▼
APR4.49%
Term36 months
Last UpdatedJul 15, 2026
Details
Min. value of car $15,000
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
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 UpdatedJul 15, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
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 UpdatedJul 15, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
640 Baltimore Dr, Wilkes Barre, PA, 18702 7943
New / Used vehicle 2021-2026 Loan
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedJul 15, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
640 Baltimore Dr, Wilkes Barre, PA, 18702 7943
Used Car, Truck, SUV Loans (2020 & older)
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedJul 15, 2026
Details
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
4139 E State St, Hermitage, PA, 16148 3402
Used Auto Loan
4.49%
up to 60 months
▼
APR4.49%
Termup to 60 months
Last UpdatedJul 15, 2026
Details
Model Years 2021-2023; *
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
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 UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
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 UpdatedJul 6, 2026
Details
APR*
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 to 60 months 80-90% NADA retail
▼
APR4.50%
Term48 to 60 months 80-90% NADA retail
Last UpdatedJul 10, 2026
Details
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
16 E Main St, Leola, PA, 17540 1936
New & Used Auto Loans (2020 and Newer) 750+
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedJul 10, 2026
Details
VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 8.57%
247 WILKES BARRE TOWNSHIP BLVD, WILKES BARRE, PA, 18702 6705
Used Vehicle Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedJul 14, 2026
Details
2022 - NEWER
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
710 3rd Ave, New Brighton, PA, 15066 1830
Used Car Loans 2024 - 2026 models
4.50%
4 years
▼
APR4.50%
Term4 years
Last UpdatedJul 15, 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
4.50%
48 - 60 months
▼
APR4.50%
Term48 - 60 months
Last UpdatedJul 15, 2026
Details
80-90% NADA retail
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
8500 Essington Ave Ste B, Philadelphia, PA, 19153 3716
Used Auto
4.59%
Up to 60 months
▼
APR4.59%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
640 Baltimore Dr, Wilkes Barre, PA, 18702 7943
New / Used Car, Truck, SUV Loan (2021 - 2026)
4.59%
84 Months
▼
APR4.59%
Term84 Months
Last UpdatedJul 15, 2026
Details
Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.40%
1006 Pittston Ave, Scranton, PA, 18505
Used Vehicle Loan
4.69%
Up to 36 Months
▼
APR4.69%
TermUp to 36 Months
Last UpdatedJul 11, 2026
Details
Some Restrictions Apply Vehicles 2017 or newer
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
4139 E State St, Hermitage, PA, 16148 3402
Used Auto Loan
4.69%
72 months
▼
APR4.69%
Term72 months
Last UpdatedJul 15, 2026
Details
Model Years 2021-2023; *
Top Tier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.18%
144 Holiday Inn Rd, Clarion, PA, 16214
Used Auto
4.74%
Up to 72 months
▼
APR4.74%
TermUp to 72 months
Last UpdatedJul 6, 2026
Details
As Low As; Used Auto (2022 to 2020)
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
2209 W State St, New Castle, PA, 16101 1138
Used Autos
4.74%
53 - 64 months
▼
APR4.74%
Term53 - 64 months
Last UpdatedJul 15, 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 2027-2024 Model Year Loan
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedJul 15, 2026
Details
Min. value of car $15,000
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
566 S Main St, Wilkes Barre, PA, 18701 2102
Used Vehicles - Up To 2 Years Old - 100% Financed Loan
4.75%
72 mos.
▼
APR4.75%
Term72 mos.
Last UpdatedJul 6, 2026
Details
APR*
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
16 E Main St, Leola, PA, 17540 1936
New & Used Auto Loans (2020 and Newer) 700 - 749
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedJul 10, 2026
Details
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
16 E Main St, Leola, PA, 17540 1936
New & Used Auto Loans (2020 and Newer) 750+
4.75%
72 months
▼
APR4.75%
Term72 months
Last UpdatedJul 10, 2026
Details
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
16 E Main St, Leola, PA, 17540 1936
Used Auto Loans (2019 and Older) 750+
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedJul 10, 2026
Details
VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 8.57%
247 WILKES BARRE TOWNSHIP BLVD, WILKES BARRE, PA, 18702 6705
Used Vehicle Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedJul 14, 2026
Details
2022 - NEWER**
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
710 3rd Ave, New Brighton, PA, 15066 1830
Used Car Loans 2024 - 2026 models
4.75%
5 & 6 years
▼
APR4.75%
Term5 & 6 years
Last UpdatedJul 15, 2026
Details
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
5 Hot Metal St Ste 201, Pittsburgh, PA, 15203 2351
New / Used Vehicles Loan
4.75%
84 months
▼
APR4.75%
Term84 months
Last UpdatedJul 15, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
409 Center St Ste C, Johnsonburg, PA, 15845 1307
New or Used Vehicles Loan
4.75%
5 YEAR REPAY
▼
APR4.75%
Term5 YEAR REPAY
Last UpdatedJul 15, 2026
Details
As Low As; New or Used Vehicles
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
1601 Kenneth Rd, York, PA, 17408 2228
Used Vehicles Loan
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedJul 15, 2026
Details
Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.40%
1006 Pittston Ave, Scranton, PA, 18505
Used Vehicle Loan
4.89%
Up to 48 Months
▼
APR4.89%
TermUp to 48 Months
Last UpdatedJul 11, 2026
Details
Some Restrictions Apply Vehicles 2017 or newer
USX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
PO Box 1728, Cranberry Twp, PA, 16066 0728
New and Used Vehicles Up to 48 months Loan
4.89%
48 months
▼
APR4.89%
Term48 months
Last UpdatedJul 14, 2026
Details
UFCW LOCAL 23
Institution Rating:
A+5.0 ★ Texas Ratio: 5.17%
345 Southpointe Blvd, Canonsburg, PA, 15317
Used Auto 2024-2022
4.90%
5 years
▼
APR4.90%
Term5 years
Last UpdatedJul 14, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
4703 Hamilton Blvd, Allentown, PA, 18103
Fixed Rate New & Used Auto Loans
4.90%
Up to 72 Months
▼
APR4.90%
TermUp to 72 Months
Last UpdatedJul 15, 2026
Details
As Low As; 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.
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
710 3rd Ave, New Brighton, PA, 15066 1830
Used Car Loans 2014 - 2023 models
4.90%
4 years
▼
APR4.90%
Term4 years
Last UpdatedJul 15, 2026
Details
P&G Mehoopany Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
2859 SR 309 HWY, Dallas, PA, 18612
New and Used Auto Loan
4.90%
Up to 96 Months
▼
APR4.90%
TermUp to 96 Months
Last UpdatedJul 15, 2026
Details
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
4139 E State St, Hermitage, PA, 16148 3402
Used Auto Loan
4.94%
84 months
▼
APR4.94%
Term84 months
Last UpdatedJul 15, 2026
Details
Model Years 2021-2023; *
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
20102 Valley Forge Cir, King of Prussia, PA, 19406 1179
Used Auto Loans - 24 Months
4.95%
24 Months
▼
APR4.95%
Term24 Months
Last UpdatedJul 6, 2026
Details
Credit Rating: A+
Top Tier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.18%
144 Holiday Inn Rd, Clarion, PA, 16214
New & Used Auto
4.99%
Up to 84 months
▼
APR4.99%
TermUp to 84 months
Last UpdatedJul 6, 2026
Details
As Low As; New & Used Auto (2026-2023)
Upper Darby Bell Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
1410 Bywood Ave, Upper Darby, PA, 19082
Used Car Loans (Model Year 2019 - 2025) 24 months
4.99%
24 months
▼
APR4.99%
Term24 months
Last UpdatedJul 6, 2026
Details
As Low As
Upper Darby Bell Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
1410 Bywood Ave, Upper Darby, PA, 19082
Used Car Loans (Model Year 2019 - 2025) 36 months
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedJul 6, 2026
Details
As Low As
Upper Darby Bell Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
1410 Bywood Ave, Upper Darby, PA, 19082
Used Car Loans (Model Year 2019 - 2025) 48 months
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedJul 6, 2026
Details
As Low As
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
4.99%
Up to 72 months 80-90% NADA retail
▼
APR4.99%
TermUp to 72 months 80-90% NADA retail
Last UpdatedJul 10, 2026
Details
Bethlehem 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
2317 Easton Ave, Bethlehem, PA, 18017 5009
Used Vehicles (2019-2026) Loan
4.99%
1-4 Years
▼
APR4.99%
Term1-4 Years
Last UpdatedJul 12, 2026
Details
Rates subject to change. See branch for details.
Omega Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.90%
206 Siebert Rd, Pittsburgh, PA, 15237
Used Auto
4.99%
up to 60 months
▼
APR4.99%
Termup to 60 months
Last UpdatedJul 14, 2026
Details
As Low As; APR
MERCK SHARP and DOHME
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
335 W Butler Ave, Chalfont, PA, 18914
New & Used Vehicle Loans
4.99%
Up to 60 Months*
▼
APR4.99%
TermUp to 60 Months*
Last UpdatedJul 14, 2026
Details
APR* is the Annual Percentage Rate. Rates shown are for qualified borrowers.
FORGE Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.38%
1402 Bywood Ave, Upper Darby, PA, 19082
Used Auto
4.99%
36/48 Months
▼
APR4.99%
Term36/48 Months
Last UpdatedJul 14, 2026
Details
autos 5 yrs old or newer
Allentown Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.00%
1325 Oxford Dr, Allentown, PA, 18103
New/Used vehicle purchase Loan
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedJul 14, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
New or Used Vehicles Loan
4.99%
37 - 48 months
▼
APR4.99%
Term37 - 48 months
Last UpdatedJul 14, 2026
Details
As Low As; w/ Auto Pay Discount: 4.89%
West Aircomm Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.51%
485 Buffalo St, Beaver, PA, 15009 2058
Used Vehicle (2019-2025) Loan
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedJul 15, 2026
Details
United Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
6010 Mountain View Dr, West Mifflin, PA, 15122 2425
Used Automobile
4.99%
60 Mos
▼
APR4.99%
Term60 Mos
Last UpdatedJul 15, 2026
Details
Model Years 2025-2023
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
2209 W State St, New Castle, PA, 16101 1138
Used Autos
4.99%
65 - 76 months
▼
APR4.99%
Term65 - 76 months
Last UpdatedJul 15, 2026
Details
CACL Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.85%
1800 W Market St, Pottsville, PA, 17901
Older Used Vehicle Loan
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedJul 15, 2026
Details
CACL Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.85%
1800 W Market St, Pottsville, PA, 17901
Used Vehicle Loan
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedJul 15, 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 2027-2024 Model Year Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedJul 15, 2026
Details
Min. value of car $15,000
Westmoreland Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.14%
1900 Franklin St, Greensburg, PA, 15601 5563
Used Vehicles Loan
4.99%
60 months or less
▼
APR4.99%
Term60 months or less
Last UpdatedJul 15, 2026
Details
As low as 4.99%; (2025-2026)
Pennsylvania American Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.85%
6050 Library Rd, Bethel Park, PA, 15102 4026
NEW OR USED VEHICLE LOANS (2024-2026) - 36 months or less
4.99%
36 months or less
▼
APR4.99%
Term36 months or less
Last UpdatedJul 15, 2026
Details
Tier-1 750-Above
Pennsylvania American Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.85%
6050 Library Rd, Bethel Park, PA, 15102 4026
NEW OR USED VEHICLE LOANS (2024-2026) - 48 months
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedJul 15, 2026
Details
Tier-1 750-Above
Pennsylvania American Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.85%
6050 Library Rd, Bethel Park, PA, 15102 4026
NEW OR USED VEHICLE LOANS (2024-2026) - 60 months
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedJul 15, 2026
Details
Tier-1 750-Above
Pennsylvania American Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.85%
6050 Library Rd, Bethel Park, PA, 15102 4026
NEW OR USED VEHICLE LOANS (2024-2026) 36 months or less
4.99%
36 months or less
▼
APR4.99%
Term36 months or less
Last UpdatedJul 15, 2026
Details
Tier-1 750-Above
Pennsylvania American Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.85%
6050 Library Rd, Bethel Park, PA, 15102 4026
NEW OR USED VEHICLE LOANS (2024-2026) 48 months
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedJul 15, 2026
Details
Tier-1 750-Above
Pennsylvania American Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.85%
6050 Library Rd, Bethel Park, PA, 15102 4026
NEW OR USED VEHICLE LOANS (2024-2026) 60 months
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedJul 15, 2026
Details
Tier-1 750-Above
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
1000 Fedex Dr, Moon Township, PA, 15108 9373
USED Auto Loan
4.99%
Up to 36 months
▼
APR4.99%
TermUp to 36 months
Last UpdatedJul 15, 2026
Details
As Low As
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
1601 Cherry St, Phila, PA, 19102 1320
Used Auto Loan
4.99%
66-Month
▼
APR4.99%
Term66-Month
Last UpdatedJul 15, 2026
Details
as low as
UFCW Local 1776 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
3031A Walton Rd Ste 310, Plymouth Meeting, PA, 19462 2369
Used Vehicles Loan
4.99%
5 Years (2023 - 2026)
▼
APR4.99%
Term5 Years (2023 - 2026)
Last UpdatedJul 15, 2026
Details
As Low As;*
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
4.99%
Up to 72 months
▼
APR4.99%
TermUp to 72 months
Last UpdatedJul 15, 2026
Details
80-90% NADA retail
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
640 Baltimore Dr, Wilkes Barre, PA, 18702 7943
New / Used vehicle 2020 & older Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedJul 15, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
640 Baltimore Dr, Wilkes Barre, PA, 18702 7943
Used Car, Truck, SUV Loans (2020 & older)
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedJul 15, 2026
Details
Priority First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.80%
550 Main St, Brockway, PA, 15824
Used Vehicle Loan
4.99%
60-63 months
▼
APR4.99%
Term60-63 months
Last UpdatedJul 15, 2026
Details
As Low As; Model Year: Used 2025 - 2022
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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
5.950%
▼ 0.237 vs 7 days ago
Pennsylvania new auto rates fell 0.237 points over the past 7 days to 5.950% APR.
Used Auto Loan — PA Avg
7.751%
▲ 0.090 vs 7 days ago
Pennsylvania used auto rates rose 0.090 points over the past 7 days to 7.751% APR.
As of Jul 16, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
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.
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 Choice Federal Credit Union: 3.24% (New Autos | Never Titled)
- Corner Post Federal Credit Union: 3.25% (New Vehicles 12 mos. Loan)
- American Airlines Federal Credit Union: 3.34% (New Auto)
- VANTAGE TRUST: 3.49% (New Vehicle Loan)
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: July 15, 2026
Auto Loan Rates by City in Pennsylvania
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MonitorBankRates.com · Live Data
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