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  6. Auto Loan Rate Trends

Erie, Pennsylvania Best Auto Loan Rates - September 2026

Current auto loan rates in Erie, Pennsylvania include I B E W LOCAL 56I B E W LOCAL 56962 W 20TH ST, Erie, PA, 16502 2401A5.0 ★Texas Ratio: 9.60% offering New Vehicle Loans - All Automobiles, Trucks, Motorcycles and Motor Homes at 4.10%, Tri State Rail Federal Credit UnionTri State Rail Federal Credit Union110 W 13th St, Erie, PA, 16501A+5.0 ★Texas Ratio: 0.94% offering Vehicle Loan at 4.24%, Erie Police Federal Credit UnionErie Police Federal Credit Union300 State St Ste 303, Erie, PA, 16507A+5.0 ★Texas Ratio: 0.00% offering New & Used Car Loan at 4.24%, Americo Federal Credit UnionAmerico Federal Credit Union4101 Main St, Erie, PA, 16511A+5.0 ★Texas Ratio: 4.30% offering Autos & Motorcycles (2022 & Newer) at 4.49%, Saint Vincent Erie Federal Credit UnionSaint Vincent Erie Federal Credit Union2314 Sassafras St Ste 100, Erie, PA, 16502A+5.0 ★Texas Ratio: 0.67% offering New Car Loan at 4.49%. Auto loan rates as of September 22, 2026 according to verified data from MonitorBankRates.

Erie has 8 local institutions in our database, with auto loan rates as low as 4.10% APR from I B E W LOCAL 56 at 962 W 20TH ST, Erie, PA, 16502 2401. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so we recommend checking back frequently.

Auto loan rates reflect recent market quotes and representative offers available to borrowers in Erie, Pennsylvania. Auto Loan Rates Last Updated and Verified: September 22, 2026

Compare Auto Loan Rates Today in Erie, Pennsylvania & Surrounding Area

Erie Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
I B E W LOCAL 56
Institution Rating:
A5.0 ★ Texas Ratio: 9.60%
962 W 20TH ST, Erie, PA, 16502 2401
New Vehicle Loans - All Automobiles, Trucks, Motorcycles and Motor Homes
4.10%
24 Months
APR4.10%
Term24 Months
Last UpdatedSep 22, 2026
Details

Additional APR listed for this product: 6.40%. Rates as Low as*

Tri State Rail Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
110 W 13th St, Erie, PA, 16501
Vehicle Loan
4.24%
0 - 24 Months
APR4.24%
Term0 - 24 Months
Last UpdatedSep 18, 2026
Details

Model Year: 2021 - 2026; Mileage: <50,0000 miles

Tri State Rail Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
110 W 13th St, Erie, PA, 16501
Vehicle Loan
4.24%
25 - 36 Months
APR4.24%
Term25 - 36 Months
Last UpdatedSep 18, 2026
Details

Model Year: 2021 - 2026; Mileage: <50,0000 miles

Tri State Rail Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
110 W 13th St, Erie, PA, 16501
Vehicle Loan
4.24%
37 - 48 Months
APR4.24%
Term37 - 48 Months
Last UpdatedSep 18, 2026
Details

Model Year: 2021 - 2026; Mileage: <50,0000 miles

Tri State Rail Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
110 W 13th St, Erie, PA, 16501
Vehicle Loan
4.24%
49 - 60 Months
APR4.24%
Term49 - 60 Months
Last UpdatedSep 18, 2026
Details

Model Year: 2021 - 2026; Mileage: <50,0000 miles

Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
300 State St Ste 303, Erie, PA, 16507
New & Used Car Loan
4.24%
24 months
APR4.24%
Term24 months
Last UpdatedSep 20, 2026
Details

Model Year 2027-2024; Credit Score between 660 and 719; Min. value of car $15,000

I B E W LOCAL 56
Institution Rating:
A5.0 ★ Texas Ratio: 9.60%
962 W 20TH ST, Erie, PA, 16502 2401
New Vehicle Loans - All Automobiles, Trucks, Motorcycles and Motor Homes
4.40%
36 Months
APR4.40%
Term36 Months
Last UpdatedSep 22, 2026
Details

Additional APR listed for this product: 6.65%. Rates as Low as*

Tri State Rail Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
110 W 13th St, Erie, PA, 16501
Vehicle Loan
4.49%
61 - 72 Months
APR4.49%
Term61 - 72 Months
Last UpdatedSep 18, 2026
Details

Model Year: 2021 - 2026; Mileage: <50,0000 miles

Tri State Rail Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
110 W 13th St, Erie, PA, 16501
Vehicle Loan
4.49%
0 - 24 Months
APR4.49%
Term0 - 24 Months
Last UpdatedSep 18, 2026
Details

Model Year: 2021 - 2026; Mileage: > 50,000 Miles

Tri State Rail Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
110 W 13th St, Erie, PA, 16501
Vehicle Loan
4.49%
25 - 36 Months
APR4.49%
Term25 - 36 Months
Last UpdatedSep 18, 2026
Details

Model Year: 2021 - 2026; Mileage: > 50,000 Miles

Tri State Rail Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
110 W 13th St, Erie, PA, 16501
Vehicle Loan
4.49%
37 - 48 Months
APR4.49%
Term37 - 48 Months
Last UpdatedSep 18, 2026
Details

Model Year: 2021 - 2026; Mileage: > 50,000 Miles

Tri State Rail Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
110 W 13th St, Erie, PA, 16501
Vehicle Loan
4.49%
49 - 60 Months
APR4.49%
Term49 - 60 Months
Last UpdatedSep 18, 2026
Details

Model Year: 2021 - 2026; Mileage: > 50,000 Miles

Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
300 State St Ste 303, Erie, PA, 16507
New & Used Car Loan
4.49%
36 months
APR4.49%
Term36 months
Last UpdatedSep 20, 2026
Details

Model Year 2027-2024; Credit Score between 660 and 719; Min. value of car $15,000

Americo Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
4101 Main St, Erie, PA, 16511
Autos & Motorcycles (2022 & Newer)
4.49%
36 months
APR4.49%
Term36 months
Last UpdatedSep 21, 2026
Details

As Low As; **

Americo Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
4101 Main St, Erie, PA, 16511
Autos & Motorcycles (2022 & Newer)
4.49%
60 months
APR4.49%
Term60 months
Last UpdatedSep 21, 2026
Details

As Low As; **

Saint Vincent Erie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
2314 Sassafras St Ste 100, Erie, PA, 16502
New Car Loan
4.49%
36 months
APR4.49%
Term36 months
Last UpdatedSep 21, 2026
Details

Either 100% of NADA retail value, or the purchase price - whichever is lower.

Saint Vincent Erie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
2314 Sassafras St Ste 100, Erie, PA, 16502
Vehicle Loan
4.49%
36 months
APR4.49%
Term36 months
Last UpdatedSep 21, 2026
Details

Amount Financed: Either 100% of NADA retail value (plus or minus for mileage), or the purchase price - whichever is lower.; Model Year: 2024 - 2025

Locomotive And Control Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
1286 E 38th St, Erie, PA, 16504 3039
New Vehicles - Autos
4.50%
36 months
APR4.50%
Term36 months
Last UpdatedSep 16, 2026
Details

Maximum: Retail Value

I B E W LOCAL 56
Institution Rating:
A5.0 ★ Texas Ratio: 9.60%
962 W 20TH ST, Erie, PA, 16502 2401
New Vehicle Loans - All Automobiles, Trucks, Motorcycles and Motor Homes
4.55%
48 Months
APR4.55%
Term48 Months
Last UpdatedSep 22, 2026
Details

Additional APR listed for this product: 6.90%. Rates as Low as*

Tri State Rail Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
110 W 13th St, Erie, PA, 16501
Vehicle Loan
4.74%
73 - 84 Months *
APR4.74%
Term73 - 84 Months *
Last UpdatedSep 18, 2026
Details

Model Year: 2021 - 2026; Mileage: <50,0000 miles

Tri State Rail Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
110 W 13th St, Erie, PA, 16501
Vehicle Loan
4.74%
0 - 24 Months
APR4.74%
Term0 - 24 Months
Last UpdatedSep 18, 2026
Details

Model Year: 2018 - 2020

Tri State Rail Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
110 W 13th St, Erie, PA, 16501
Vehicle Loan
4.74%
25 - 36 Months
APR4.74%
Term25 - 36 Months
Last UpdatedSep 18, 2026
Details

Model Year: 2018 - 2020

Tri State Rail Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
110 W 13th St, Erie, PA, 16501
Vehicle Loan
4.74%
37 - 48 Months
APR4.74%
Term37 - 48 Months
Last UpdatedSep 18, 2026
Details

Model Year: 2018 - 2020

Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
300 State St Ste 303, Erie, PA, 16507
New & Used Car Loan
4.74%
48 months
APR4.74%
Term48 months
Last UpdatedSep 20, 2026
Details

Model Year 2027-2024; Credit Score between 660 and 719; Min. value of car $15,000

Saint Vincent Erie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
2314 Sassafras St Ste 100, Erie, PA, 16502
New Car Loan
4.74%
48 months
APR4.74%
Term48 months
Last UpdatedSep 21, 2026
Details

Either 100% of NADA retail value, or the purchase price - whichever is lower.

Saint Vincent Erie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
2314 Sassafras St Ste 100, Erie, PA, 16502
Vehicle Loan
4.74%
48 months
APR4.74%
Term48 months
Last UpdatedSep 21, 2026
Details

Amount Financed: Either 100% of NADA retail value (plus or minus for mileage), or the purchase price - whichever is lower.; Model Year: 2024 - 2025

Locomotive And Control Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
1286 E 38th St, Erie, PA, 16504 3039
New Vehicles - Autos
4.75%
48 months
APR4.75%
Term48 months
Last UpdatedSep 16, 2026
Details

Maximum: Retail Value

I B E W LOCAL 56
Institution Rating:
A5.0 ★ Texas Ratio: 9.60%
962 W 20TH ST, Erie, PA, 16502 2401
New Vehicle Loans - All Automobiles, Trucks, Motorcycles and Motor Homes
4.75%
60 Months
APR4.75%
Term60 Months
Last UpdatedSep 22, 2026
Details

Additional APR listed for this product: 7.15%. Rates as Low as*

I B E W LOCAL 56
Institution Rating:
A5.0 ★ Texas Ratio: 9.60%
962 W 20TH ST, Erie, PA, 16502 2401
Used Vehicle Loans - All Automobiles, Trucks, Motorcycles and Motor Homes
4.80%
24 Months
APR4.80%
Term24 Months
Last UpdatedSep 22, 2026
Details

Model Year 2018-2019: Add 0.75% APR*

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1129 State St, Erie, PA, 16501 1911
New 2026 Auto Loan
4.84%
36 month
APR4.84%
Term36 month
Last UpdatedSep 22, 2026
Details

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1129 State St, Erie, PA, 16501 1911
Used 2024 - 2025 Auto Loan
4.84%
24 month
APR4.84%
Term24 month
Last UpdatedSep 22, 2026
Details

I B E W LOCAL 56
Institution Rating:
A5.0 ★ Texas Ratio: 9.60%
962 W 20TH ST, Erie, PA, 16502 2401
Used Vehicle Loans - All Automobiles, Trucks, Motorcycles and Motor Homes
4.95%
36 Months
APR4.95%
Term36 Months
Last UpdatedSep 22, 2026
Details

Additional APR listed for this product: 5.70%. Model Year 2018-2019: Add 0.75% APR*

Tri State Rail Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
110 W 13th St, Erie, PA, 16501
Vehicle Loan
4.99%
0 - 24 Months
APR4.99%
Term0 - 24 Months
Last UpdatedSep 18, 2026
Details

Model Year: 2016 - 2017

Tri State Rail Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
110 W 13th St, Erie, PA, 16501
Vehicle Loan
4.99%
25 - 36 Months
APR4.99%
Term25 - 36 Months
Last UpdatedSep 18, 2026
Details

Model Year: 2016 - 2017

Tri State Rail Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
110 W 13th St, Erie, PA, 16501
Vehicle Loan
4.99%
37 - 48 Months
APR4.99%
Term37 - 48 Months
Last UpdatedSep 18, 2026
Details

Model Year: 2016 - 2017

Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
300 State St Ste 303, Erie, PA, 16507
New & Used Car Loan
4.99%
60 months
APR4.99%
Term60 months
Last UpdatedSep 20, 2026
Details

Model Year 2027-2024; Credit Score between 660 and 719; Min. value of car $15,000

Americo Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
4101 Main St, Erie, PA, 16511
Autos & Motorcycles (2022 & Newer)
4.99%
72 months
APR4.99%
Term72 months
Last UpdatedSep 21, 2026
Details

As Low As; **

Saint Vincent Erie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
2314 Sassafras St Ste 100, Erie, PA, 16502
New Car Loan
4.99%
60 months
APR4.99%
Term60 months
Last UpdatedSep 21, 2026
Details

Either 100% of NADA retail value, or the purchase price - whichever is lower.

Saint Vincent Erie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
2314 Sassafras St Ste 100, Erie, PA, 16502
Vehicle Loan
4.99%
60 months
APR4.99%
Term60 months
Last UpdatedSep 21, 2026
Details

Amount Financed: Either 100% of NADA retail value (plus or minus for mileage), or the purchase price - whichever is lower.; Model Year: 2024 - 2025

Saint Vincent Erie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
2314 Sassafras St Ste 100, Erie, PA, 16502
Vehicle Loan
4.99%
36 months
APR4.99%
Interest Rate4.99%
Term36 months
Last UpdatedSep 21, 2026
Details

Amount Financed: Either 100% of NADA retail value (plus or minus for mileage), or the purchase price - whichever is lower.; Model Year: 2020 - 2023

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1129 State St, Erie, PA, 16501 1911
New 2026 Auto Loan
4.99%
48 month
APR4.99%
Term48 month
Last UpdatedSep 22, 2026
Details

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1129 State St, Erie, PA, 16501 1911
Used 2024 - 2025 Auto Loan
4.99%
36 month
APR4.99%
Term36 month
Last UpdatedSep 22, 2026
Details

I B E W LOCAL 56
Institution Rating:
A5.0 ★ Texas Ratio: 9.60%
962 W 20TH ST, Erie, PA, 16502 2401
New Vehicle Loans - All Automobiles, Trucks, Motorcycles and Motor Homes
5.10%
72 Months
APR5.10%
Term72 Months
Last UpdatedSep 22, 2026
Details

Additional APR listed for this product: 7.65%. Rates as Low as*

Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
300 State St Ste 303, Erie, PA, 16507
Used Car Loan
5.14%
24 months
APR5.14%
Term24 months
Last UpdatedSep 20, 2026
Details

Model Year 2023-2020; Credit Score between 660 and 719; Min. value of car $15,000

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1129 State St, Erie, PA, 16501 1911
Used 2024 - 2025 Auto Loan
5.14%
48 month
APR5.14%
Term48 month
Last UpdatedSep 22, 2026
Details

I B E W LOCAL 56
Institution Rating:
A5.0 ★ Texas Ratio: 9.60%
962 W 20TH ST, Erie, PA, 16502 2401
Used Vehicle Loans - All Automobiles, Trucks, Motorcycles and Motor Homes
5.20%
48 Months
APR5.20%
Term48 Months
Last UpdatedSep 22, 2026
Details

Model Year 2018-2019: Add 0.75% APR*

Tri State Rail Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
110 W 13th St, Erie, PA, 16501
Vehicle Loan
5.24%
49 - 60 Months
APR5.24%
Term49 - 60 Months
Last UpdatedSep 18, 2026
Details

Model Year: 2018 - 2020

Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
300 State St Ste 303, Erie, PA, 16507
New & Used Car Loan
5.24%
72 months
APR5.24%
Term72 months
Last UpdatedSep 20, 2026
Details

Model Year 2027-2024; Credit Score between 660 and 719; Min. value of car $25,000

Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
300 State St Ste 303, Erie, PA, 16507
Used Car Loan
5.24%
36 months
APR5.24%
Term36 months
Last UpdatedSep 20, 2026
Details

Model Year 2023-2020; Credit Score between 660 and 719; Min. value of car $15,000

Saint Vincent Erie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
2314 Sassafras St Ste 100, Erie, PA, 16502
New Car Loan
5.24%
72 months
APR5.24%
Term72 months
Last UpdatedSep 21, 2026
Details

Either 100% of NADA retail value, or the purchase price - whichever is lower.

Saint Vincent Erie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
2314 Sassafras St Ste 100, Erie, PA, 16502
Vehicle Loan
5.24%
72 months
APR5.24%
Term72 months
Last UpdatedSep 21, 2026
Details

Amount Financed: Either 100% of NADA retail value (plus or minus for mileage), or the purchase price - whichever is lower.; Model Year: 2024 - 2025

Saint Vincent Erie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
2314 Sassafras St Ste 100, Erie, PA, 16502
Vehicle Loan
5.24%
48 months
APR5.24%
Interest Rate5.24%
Term48 months
Last UpdatedSep 21, 2026
Details

Amount Financed: Either 100% of NADA retail value (plus or minus for mileage), or the purchase price - whichever is lower.; Model Year: 2020 - 2023

Locomotive And Control Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
1286 E 38th St, Erie, PA, 16504 3039
New Vehicles - Autos
5.25%
60 months
APR5.25%
Term60 months
Last UpdatedSep 16, 2026
Details

Maximum: Retail Value

Locomotive And Control Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
1286 E 38th St, Erie, PA, 16504 3039
Used Vehicles - Autos - 2023 - 2024
5.25%
36 months
APR5.25%
Term36 months
Last UpdatedSep 16, 2026
Details

Maximum: Retail Value

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1129 State St, Erie, PA, 16501 1911
New 2026 Auto Loan
5.29%
60 month
APR5.29%
Term60 month
Last UpdatedSep 22, 2026
Details

I B E W LOCAL 56
Institution Rating:
A5.0 ★ Texas Ratio: 9.60%
962 W 20TH ST, Erie, PA, 16502 2401
Used Vehicle Loans - All Automobiles, Trucks, Motorcycles and Motor Homes
5.40%
60 Months
APR5.40%
Term60 Months
Last UpdatedSep 22, 2026
Details

Model Year 2018-2019: Add 0.75% APR*

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1129 State St, Erie, PA, 16501 1911
Used 2019 - 2023 Auto Loan
5.44%
24 month
APR5.44%
Term24 month
Last UpdatedSep 22, 2026
Details

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1129 State St, Erie, PA, 16501 1911
Used 2024 - 2025 Auto Loan
5.44%
60 month
APR5.44%
Term60 month
Last UpdatedSep 22, 2026
Details

Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
300 State St Ste 303, Erie, PA, 16507
Used Car Loan
5.49%
48 months
APR5.49%
Term48 months
Last UpdatedSep 20, 2026
Details

Model Year 2023-2020; Credit Score between 660 and 719; Min. value of car $15,000

Americo Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
4101 Main St, Erie, PA, 16511
Autos & Motorcycles (2022 & Newer)
5.49%
84 months
APR5.49%
Term84 months
Last UpdatedSep 21, 2026
Details

As Low As; **

Saint Vincent Erie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
2314 Sassafras St Ste 100, Erie, PA, 16502
Vehicle Loan
5.49%
60 months
APR5.49%
Interest Rate5.49%
Term60 months
Last UpdatedSep 21, 2026
Details

Amount Financed: Either 100% of NADA retail value (plus or minus for mileage), or the purchase price - whichever is lower.; Model Year: 2020 - 2023

Locomotive And Control Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
1286 E 38th St, Erie, PA, 16504 3039
Used Vehicles - Autos - 2020 - 2022
5.50%
36 months
APR5.50%
Term36 months
Last UpdatedSep 16, 2026
Details

Maximum: Retail Value

Locomotive And Control Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
1286 E 38th St, Erie, PA, 16504 3039
Used Vehicles - Autos - 2023 - 2024
5.50%
48 months
APR5.50%
Term48 months
Last UpdatedSep 16, 2026
Details

Maximum: Retail Value

I B E W LOCAL 56
Institution Rating:
A5.0 ★ Texas Ratio: 9.60%
962 W 20TH ST, Erie, PA, 16502 2401
New Vehicle Loans - All Automobiles, Trucks, Motorcycles and Motor Homes
5.50%
84 Months
APR5.50%
Term84 Months
Last UpdatedSep 22, 2026
Details

Rates as Low as*

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1129 State St, Erie, PA, 16501 1911
New 2026 Auto Loan
5.54%
72 month
APR5.54%
Term72 month
Last UpdatedSep 22, 2026
Details

Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
300 State St Ste 303, Erie, PA, 16507
New & Used Car Loan
5.59%
84 months
APR5.59%
Term84 months
Last UpdatedSep 20, 2026
Details

Model Year 2027-2024; Credit Score between 660 and 719; Min. value of car $30,000

Saint Vincent Erie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
2314 Sassafras St Ste 100, Erie, PA, 16502
New Car Loan
5.59%
84 months
APR5.59%
Term84 months
Last UpdatedSep 21, 2026
Details

Either 100% of NADA retail value, or the purchase price - whichever is lower.

Saint Vincent Erie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
2314 Sassafras St Ste 100, Erie, PA, 16502
Vehicle Loan
5.59%
84 months
APR5.59%
Term84 months
Last UpdatedSep 21, 2026
Details

Amount Financed: Either 100% of NADA retail value (plus or minus for mileage), or the purchase price - whichever is lower.; Model Year: 2024 - 2025

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1129 State St, Erie, PA, 16501 1911
Used 2019 - 2023 Auto Loan
5.59%
36 month
APR5.59%
Term36 month
Last UpdatedSep 22, 2026
Details

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1129 State St, Erie, PA, 16501 1911
Used 2024 - 2025 Auto Loan
5.69%
72 month
APR5.69%
Term72 month
Last UpdatedSep 22, 2026
Details

I B E W LOCAL 56
Institution Rating:
A5.0 ★ Texas Ratio: 9.60%
962 W 20TH ST, Erie, PA, 16502 2401
Used Vehicle Loans - All Automobiles, Trucks, Motorcycles and Motor Homes
5.70%
72 Months
APR5.70%
Term72 Months
Last UpdatedSep 22, 2026
Details

Model Year 2018-2019: Add 0.75% APR*

Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
300 State St Ste 303, Erie, PA, 16507
Used Car Loan
5.74%
60 months
APR5.74%
Term60 months
Last UpdatedSep 20, 2026
Details

Model Year 2023-2020; Credit Score between 660 and 719; Min. value of car $15,000

Americo Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
4101 Main St, Erie, PA, 16511
Autos & Motorcycles (2019 - 2021)
5.74%
60 months
APR5.74%
Term60 months
Last UpdatedSep 21, 2026
Details

As Low As; **

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1129 State St, Erie, PA, 16501 1911
Used 2019 - 2023 Auto Loan
5.74%
48 month
APR5.74%
Term48 month
Last UpdatedSep 22, 2026
Details

Locomotive And Control Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
1286 E 38th St, Erie, PA, 16504 3039
New Vehicles - Autos
5.75%
84 months
APR5.75%
Term84 months
Last UpdatedSep 16, 2026
Details

Maximum: Retail Value

Locomotive And Control Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
1286 E 38th St, Erie, PA, 16504 3039
Used Vehicles - Autos - 2017 - 2019
5.75%
36 months
APR5.75%
Term36 months
Last UpdatedSep 16, 2026
Details

Maximum: Retail Value

Locomotive And Control Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
1286 E 38th St, Erie, PA, 16504 3039
Used Vehicles - Autos - 2020 - 2022
5.75%
48 months
APR5.75%
Term48 months
Last UpdatedSep 16, 2026
Details

Maximum: Retail Value

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1129 State St, Erie, PA, 16501 1911
New 2026 Auto Loan
5.79%
84 month
APR5.79%
Term84 month
Last UpdatedSep 22, 2026
Details

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1129 State St, Erie, PA, 16501 1911
Used 2024 - 2025 Auto Loan
5.94%
84 month
APR5.94%
Term84 month
Last UpdatedSep 22, 2026
Details

Tri State Rail Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
110 W 13th St, Erie, PA, 16501
Vehicle Loan
5.99%
0 - 24 Months
APR5.99%
Term0 - 24 Months
Last UpdatedSep 18, 2026
Details

Model Year: 2014 - 2015

Tri State Rail Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
110 W 13th St, Erie, PA, 16501
Vehicle Loan
5.99%
25 - 36 Months
APR5.99%
Term25 - 36 Months
Last UpdatedSep 18, 2026
Details

Model Year: 2014 - 2015

Tri State Rail Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
110 W 13th St, Erie, PA, 16501
Vehicle Loan
5.99%
37 - 48 Months
APR5.99%
Term37 - 48 Months
Last UpdatedSep 18, 2026
Details

Model Year: 2014 - 2015

Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
300 State St Ste 303, Erie, PA, 16507
Used Car Loan
5.99%
72 months
APR5.99%
Term72 months
Last UpdatedSep 20, 2026
Details

Model Year 2023-2020; Credit Score between 660 and 719; Min. value of car $25,000

Locomotive And Control Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
1286 E 38th St, Erie, PA, 16504 3039
Used Vehicles - Autos - 2017 - 2019
6.00%
48 months
APR6.00%
Term48 months
Last UpdatedSep 16, 2026
Details

Maximum: Retail Value

Locomotive And Control Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
1286 E 38th St, Erie, PA, 16504 3039
Used Vehicles - Autos - 2023 - 2024
6.00%
60 months
APR6.00%
Term60 months
Last UpdatedSep 16, 2026
Details

Maximum: Retail Value

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1129 State St, Erie, PA, 16501 1911
Used 2019 - 2023 Auto Loan
6.04%
60 month
APR6.04%
Term60 month
Last UpdatedSep 22, 2026
Details

Widget Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
2154 E Lake Rd, Erie, PA, 16511 1140
Auto Loan
6.14%
24 Months
APR6.14%
Term24 Months
Last UpdatedSep 22, 2026
Details

Model Year: 2025 or newer

Widget Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
2154 E Lake Rd, Erie, PA, 16511 1140
Auto Loan
6.14%
36 Months
APR6.14%
Term36 Months
Last UpdatedSep 22, 2026
Details

Model Year: 2025 or newer

Widget Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
2154 E Lake Rd, Erie, PA, 16511 1140
Auto Loan
6.14%
48 Months
APR6.14%
Term48 Months
Last UpdatedSep 22, 2026
Details

Model Year: 2025 or newer

Americo Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
4101 Main St, Erie, PA, 16511
Autos & Motorcycles (2019 - 2021)
6.24%
72 months
APR6.24%
Term72 months
Last UpdatedSep 21, 2026
Details

As Low As; **

Widget Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
2154 E Lake Rd, Erie, PA, 16511 1140
Auto Loan
6.24%
60-63 Months
APR6.24%
Term60-63 Months
Last UpdatedSep 22, 2026
Details

Model Year: 2025 or newer

Locomotive And Control Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
1286 E 38th St, Erie, PA, 16504 3039
Used Vehicles - Autos - 2020 - 2022
6.25%
60-72 months
APR6.25%
Term60-72 months
Last UpdatedSep 16, 2026
Details

Maximum: Retail Value

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1129 State St, Erie, PA, 16501 1911
Used 2019 - 2023 Auto Loan
6.29%
72 month
APR6.29%
Term72 month
Last UpdatedSep 22, 2026
Details

Widget Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
2154 E Lake Rd, Erie, PA, 16511 1140
Auto Loan
6.34%
24 Months
APR6.34%
Term24 Months
Last UpdatedSep 22, 2026
Details

Model Year: 2023-2024

Widget Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
2154 E Lake Rd, Erie, PA, 16511 1140
Auto Loan
6.34%
36 Months
APR6.34%
Term36 Months
Last UpdatedSep 22, 2026
Details

Model Year: 2023-2024

Widget Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
2154 E Lake Rd, Erie, PA, 16511 1140
Auto Loan
6.34%
48 Months
APR6.34%
Term48 Months
Last UpdatedSep 22, 2026
Details

Model Year: 2023-2024

Widget Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
2154 E Lake Rd, Erie, PA, 16511 1140
Auto Loan
6.34%
60-63 Months
APR6.34%
Term60-63 Months
Last UpdatedSep 22, 2026
Details

Model Year: 2023-2024

Widget Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
2154 E Lake Rd, Erie, PA, 16511 1140
Auto Loan
6.34%
66 Months
APR6.34%
Term66 Months
Last UpdatedSep 22, 2026
Details

Model Year: 2025 or newer

Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
300 State St Ste 303, Erie, PA, 16507
Used Car Loan
6.49%
24 months
APR6.49%
Term24 months
Last UpdatedSep 20, 2026
Details

Model Year 2019-2016; Credit Score between 660 and 719; Min. value of car $15,000

Locomotive And Control Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
1286 E 38th St, Erie, PA, 16504 3039
Used Vehicles - Autos - 2015 - 2016
6.50%
36 months
APR6.50%
Term36 months
Last UpdatedSep 16, 2026
Details

Maximum: 80% of Retail Value

Locomotive And Control Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
1286 E 38th St, Erie, PA, 16504 3039
Used Vehicles - Autos - 2015 - 2016
6.50%
48 months
APR6.50%
Term48 months
Last UpdatedSep 16, 2026
Details

Maximum: Retail Value

Locomotive And Control Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
1286 E 38th St, Erie, PA, 16504 3039
Used Vehicles - Autos - 2023 - 2024
6.50%
72-84 months
APR6.50%
Term72-84 months
Last UpdatedSep 16, 2026
Details

Maximum: Retail Value

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1129 State St, Erie, PA, 16501 1911
New 2026 Auto Loan
6.54%
96 month
APR6.54%
Term96 month
Last UpdatedSep 22, 2026
Details

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1129 State St, Erie, PA, 16501 1911
Used 2019 - 2023 Auto Loan
6.54%
84 month
APR6.54%
Term84 month
Last UpdatedSep 22, 2026
Details

Widget Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
2154 E Lake Rd, Erie, PA, 16511 1140
Auto Loan
6.54%
66 Months
APR6.54%
Term66 Months
Last UpdatedSep 22, 2026
Details

Model Year: 2023-2024

Widget Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
2154 E Lake Rd, Erie, PA, 16511 1140
Auto Loan
6.54%
72 Months
APR6.54%
Term72 Months
Last UpdatedSep 22, 2026
Details

Model Year: 2025 or newer

Widget Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
2154 E Lake Rd, Erie, PA, 16511 1140
Auto Loan
6.64%
24 Months
APR6.64%
Term24 Months
Last UpdatedSep 22, 2026
Details

Model Year: 2022

Widget Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
2154 E Lake Rd, Erie, PA, 16511 1140
Auto Loan
6.64%
36 Months
APR6.64%
Term36 Months
Last UpdatedSep 22, 2026
Details

Model Year: 2022

Widget Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
2154 E Lake Rd, Erie, PA, 16511 1140
Auto Loan
6.64%
48 Months
APR6.64%
Term48 Months
Last UpdatedSep 22, 2026
Details

Model Year: 2022

Widget Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
2154 E Lake Rd, Erie, PA, 16511 1140
Auto Loan
6.64%
60-63 Months
APR6.64%
Term60-63 Months
Last UpdatedSep 22, 2026
Details

Model Year: 2022

Widget Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
2154 E Lake Rd, Erie, PA, 16511 1140
Auto Loan
6.64%
75 Months
APR6.64%
Term75 Months
Last UpdatedSep 22, 2026
Details

Model Year: 2025 or newer

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1129 State St, Erie, PA, 16501 1911
Used 2014 - 2018 Auto Loan
6.69%
24 month
APR6.69%
Term24 month
Last UpdatedSep 22, 2026
Details

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1129 State St, Erie, PA, 16501 1911
Used 2024 - 2025 Auto Loan
6.69%
96 month
APR6.69%
Term96 month
Last UpdatedSep 22, 2026
Details

Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
300 State St Ste 303, Erie, PA, 16507
Used Car Loan
6.74%
84 months
APR6.74%
Term84 months
Last UpdatedSep 20, 2026
Details

Model Year 2023-2020; Credit Score between 660 and 719; Min. value of car $30,000

Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
300 State St Ste 303, Erie, PA, 16507
Used Car Loan
6.74%
36 months
APR6.74%
Term36 months
Last UpdatedSep 20, 2026
Details

Model Year 2019-2016; Credit Score between 660 and 719; Min. value of car $15,000

Americo Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
4101 Main St, Erie, PA, 16511
Autos & Motorcycles (2019 - 2021)
6.74%
84 months
APR6.74%
Term84 months
Last UpdatedSep 21, 2026
Details

As Low As; **

Widget Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
2154 E Lake Rd, Erie, PA, 16511 1140
Auto Loan
6.74%
72 Months
APR6.74%
Term72 Months
Last UpdatedSep 22, 2026
Details

Model Year: 2023-2024

Widget Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
2154 E Lake Rd, Erie, PA, 16511 1140
Auto Loan
6.74%
78 Months
APR6.74%
Term78 Months
Last UpdatedSep 22, 2026
Details

Model Year: 2025 or newer

Locomotive And Control Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
1286 E 38th St, Erie, PA, 16504 3039
Used Vehicles - Autos - 2017 - 2019
6.75%
60 months
APR6.75%
Term60 months
Last UpdatedSep 16, 2026
Details

Maximum: Retail Value

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1129 State St, Erie, PA, 16501 1911
Used 2014 - 2018 Auto Loan
6.84%
36 month
APR6.84%
Term36 month
Last UpdatedSep 22, 2026
Details

Widget Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
2154 E Lake Rd, Erie, PA, 16511 1140
Auto Loan
6.84%
66 Months
APR6.84%
Term66 Months
Last UpdatedSep 22, 2026
Details

Model Year: 2022

Widget Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
2154 E Lake Rd, Erie, PA, 16511 1140
Auto Loan
6.84%
75 Months
APR6.84%
Term75 Months
Last UpdatedSep 22, 2026
Details

Model Year: 2023-2024

I B E W LOCAL 56
Institution Rating:
A5.0 ★ Texas Ratio: 9.60%
962 W 20TH ST, Erie, PA, 16502 2401
All Other Used Titled Vehicles - Boats and Trailers, Travel Trailers, ATV's, Jet Skis, etc. Loan
6.90%
24 Months
APR6.90%
Term24 Months
Last UpdatedSep 22, 2026
Details

Additional APR listed for this product: 7.65%. As Low As; Model Year 2018-2019: Add 0.75% APR*

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1129 State St, Erie, PA, 16501 1911
Used 2014 - 2018 Auto Loan
6.99%
48 month
APR6.99%
Term48 month
Last UpdatedSep 22, 2026
Details

Widget Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
2154 E Lake Rd, Erie, PA, 16511 1140
Auto Loan
7.04%
24 Months
APR7.04%
Term24 Months
Last UpdatedSep 22, 2026
Details

Model Year: 2020

Widget Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
2154 E Lake Rd, Erie, PA, 16511 1140
Auto Loan
7.04%
36 Months
APR7.04%
Term36 Months
Last UpdatedSep 22, 2026
Details

Model Year: 2020

Widget Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
2154 E Lake Rd, Erie, PA, 16511 1140
Auto Loan
7.04%
48 Months
APR7.04%
Term48 Months
Last UpdatedSep 22, 2026
Details

Model Year: 2020

Widget Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
2154 E Lake Rd, Erie, PA, 16511 1140
Auto Loan
7.04%
78 Months
APR7.04%
Term78 Months
Last UpdatedSep 22, 2026
Details

Model Year: 2023-2024

Widget Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
2154 E Lake Rd, Erie, PA, 16511 1140
Auto Loan
7.04%
84 Months
APR7.04%
Term84 Months
Last UpdatedSep 22, 2026
Details

Model Year: 2025 or newer

Widget Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
2154 E Lake Rd, Erie, PA, 16511 1140
Auto Loan
7.14%
48 Months
APR7.14%
Term48 Months
Last UpdatedSep 22, 2026
Details

Model Year: 2019

Widget Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
2154 E Lake Rd, Erie, PA, 16511 1140
Auto Loan
7.14%
60-63 Months
APR7.14%
Term60-63 Months
Last UpdatedSep 22, 2026
Details

Model Year: 2020

Widget Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
2154 E Lake Rd, Erie, PA, 16511 1140
Auto Loan
7.14%
72 Months
APR7.14%
Term72 Months
Last UpdatedSep 22, 2026
Details

Model Year: 2022

I B E W LOCAL 56
Institution Rating:
A5.0 ★ Texas Ratio: 9.60%
962 W 20TH ST, Erie, PA, 16502 2401
All Other Used Titled Vehicles - Boats and Trailers, Travel Trailers, ATV's, Jet Skis, etc. Loan
7.15%
36 Months
APR7.15%
Term36 Months
Last UpdatedSep 22, 2026
Details

As Low As; Model Year 2018-2019: Add 0.75% APR*

Americo Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
4101 Main St, Erie, PA, 16511
Autos & Motorcycles (2018 & Older)
7.24%
60 months
APR7.24%
Term60 months
Last UpdatedSep 21, 2026
Details

As Low As; **

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1129 State St, Erie, PA, 16501 1911
Used 2014 - 2018 Auto Loan
7.29%
60 month
APR7.29%
Term60 month
Last UpdatedSep 22, 2026
Details

Widget Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
2154 E Lake Rd, Erie, PA, 16511 1140
Auto Loan
7.34%
66 Months
APR7.34%
Term66 Months
Last UpdatedSep 22, 2026
Details

Model Year: 2020

Widget Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
2154 E Lake Rd, Erie, PA, 16511 1140
Auto Loan
7.34%
75 Months
APR7.34%
Term75 Months
Last UpdatedSep 22, 2026
Details

Model Year: 2022

I B E W LOCAL 56
Institution Rating:
A5.0 ★ Texas Ratio: 9.60%
962 W 20TH ST, Erie, PA, 16502 2401
All Other Used Titled Vehicles - Boats and Trailers, Travel Trailers, ATV's, Jet Skis, etc. Loan
7.40%
48 Months
APR7.40%
Term48 Months
Last UpdatedSep 22, 2026
Details

Additional APR listed for this product: 8.15%. As Low As; Model Year 2018-2019: Add 0.75% APR*

Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
300 State St Ste 303, Erie, PA, 16507
Used Car Loan
7.49%
48 months
APR7.49%
Term48 months
Last UpdatedSep 20, 2026
Details

Model Year 2019-2016; Credit Score between 660 and 719; Min. value of car $15,000

Americo Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
4101 Main St, Erie, PA, 16511
Autos & Motorcycles (2018 & Older)
7.49%
72 months
APR7.49%
Term72 months
Last UpdatedSep 21, 2026
Details

As Low As; **

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1129 State St, Erie, PA, 16501 1911
Used 2014 - 2018 Auto Loan
7.54%
72 month
APR7.54%
Term72 month
Last UpdatedSep 22, 2026
Details

Widget Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
2154 E Lake Rd, Erie, PA, 16511 1140
Auto Loan
7.54%
72 Months
APR7.54%
Term72 Months
Last UpdatedSep 22, 2026
Details

Model Year: 2020

Widget Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
2154 E Lake Rd, Erie, PA, 16511 1140
Auto Loan
7.64%
24 Months
APR7.64%
Term24 Months
Last UpdatedSep 22, 2026
Details

Model Year: 2018

Widget Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
2154 E Lake Rd, Erie, PA, 16511 1140
Auto Loan
7.64%
36 Months
APR7.64%
Term36 Months
Last UpdatedSep 22, 2026
Details

Model Year: 2018

Widget Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
2154 E Lake Rd, Erie, PA, 16511 1140
Auto Loan
7.64%
48 Months
APR7.64%
Term48 Months
Last UpdatedSep 22, 2026
Details

Model Year: 2018

I B E W LOCAL 56
Institution Rating:
A5.0 ★ Texas Ratio: 9.60%
962 W 20TH ST, Erie, PA, 16502 2401
All Other Used Titled Vehicles - Boats and Trailers, Travel Trailers, ATV's, Jet Skis, etc. Loan
7.65%
60 Months
APR7.65%
Term60 Months
Last UpdatedSep 22, 2026
Details

As Low As; Model Year 2018-2019: Add 0.75% APR*

Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
300 State St Ste 303, Erie, PA, 16507
Used Car Loan
7.74%
60 months
APR7.74%
Term60 months
Last UpdatedSep 20, 2026
Details

Model Year 2019-2016; Credit Score between 660 and 719; Min. value of car $15,000

Widget Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
2154 E Lake Rd, Erie, PA, 16511 1140
Auto Loan
7.74%
60-63 Months
APR7.74%
Term60-63 Months
Last UpdatedSep 22, 2026
Details

Model Year: 2018

Widget Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
2154 E Lake Rd, Erie, PA, 16511 1140
Auto Loan
7.94%
24 Months
APR7.94%
Term24 Months
Last UpdatedSep 22, 2026
Details

Model Year: 2017

Widget Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
2154 E Lake Rd, Erie, PA, 16511 1140
Auto Loan
8.04%
36 Months
APR8.04%
Term36 Months
Last UpdatedSep 22, 2026
Details

Model Year: 2017

Widget Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
2154 E Lake Rd, Erie, PA, 16511 1140
Auto Loan
8.04%
48 Months
APR8.04%
Term48 Months
Last UpdatedSep 22, 2026
Details

Model Year: 2017

Widget Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
2154 E Lake Rd, Erie, PA, 16511 1140
Auto Loan
8.14%
60-63 Months
APR8.14%
Term60-63 Months
Last UpdatedSep 22, 2026
Details

Model Year: 2017

I B E W LOCAL 56
Institution Rating:
A5.0 ★ Texas Ratio: 9.60%
962 W 20TH ST, Erie, PA, 16502 2401
All Other Used Titled Vehicles - Boats and Trailers, Travel Trailers, ATV's, Jet Skis, etc. Loan
8.15%
72 Months
APR8.15%
Term72 Months
Last UpdatedSep 22, 2026
Details

As Low As; Model Year 2018-2019: Add 0.75% APR*

I B E W LOCAL 56
Institution Rating:
A5.0 ★ Texas Ratio: 9.60%
962 W 20TH ST, Erie, PA, 16502 2401
All Other Used Titled Vehicles - Boats and Trailers, Travel Trailers, ATV's, Jet Skis, etc. Loan
8.15%
36 Months
APR8.15%
Term36 Months
Last UpdatedSep 22, 2026
Details

As Low As; Model Year 2016-2017: Add 1.25% APR*

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1129 State St, Erie, PA, 16501 1911
Used 2011 - 2013 Auto Loan
8.19%
24 month
APR8.19%
Term24 month
Last UpdatedSep 22, 2026
Details

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1129 State St, Erie, PA, 16501 1911
Used 2011 - 2013 Auto Loan
8.34%
36 month
APR8.34%
Term36 month
Last UpdatedSep 22, 2026
Details

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1129 State St, Erie, PA, 16501 1911
Used 2011 - 2013 Auto Loan
8.49%
48 month
APR8.49%
Term48 month
Last UpdatedSep 22, 2026
Details

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1129 State St, Erie, PA, 16501 1911
Used 2011 - 2013 Auto Loan
8.79%
60 month
APR8.79%
Term60 month
Last UpdatedSep 22, 2026
Details

Americo Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
4101 Main St, Erie, PA, 16511
Autos & Motorcycles (2022 & Newer)
8.99%
120 months
APR8.99%
Term120 months
Last UpdatedSep 21, 2026
Details

As Low As; *** **

Americo Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
4101 Main St, Erie, PA, 16511
Autos & Motorcycles (2018 & Older)
9.24%
84 months
APR9.24%
Term84 months
Last UpdatedSep 21, 2026
Details

As Low As; **

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.23%
Auto Loan
2.99%
36 months
APR2.99%
Term36 months
Last UpdatedSep 18, 2026
Details

with autopay from a United checking account.

First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
72-Month Auto Loan Promo
2.99%
0-72 months
APR2.99%
Term0-72 months
Last UpdatedSep 21, 2026
Details

As low as; 2023 & newer; with less than 45,000 miles and valued at $15,000 or more

Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
New Auto Loan
2.99%
4 years
APR2.99%
Interest Rate2.99%
Term4 years
Last UpdatedSep 21, 2026
Details

As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.

Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
New Auto Loan
2.99%
3 years
APR2.99%
Interest Rate2.99%
Term3 years
Last UpdatedSep 21, 2026
Details

As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.

Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
New Auto Loan
2.99%
2 years
APR2.99%
Interest Rate2.99%
Term2 years
Last UpdatedSep 21, 2026
Details

As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.

Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
New Auto Loan
2.99%
1 year
APR2.99%
Interest Rate2.99%
Term1 year
Last UpdatedSep 21, 2026
Details

As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.

Bradford Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.30%
Vehicle Loan
3.00%
Up to 48 Months
APR3.00%
TermUp to 48 Months
Last UpdatedSep 21, 2026
Details

As low as; Model Year: 2026-2025

First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
New Autos | Never Titled
3.24%
Up to 40 months
APR3.24%
TermUp to 40 months
Last UpdatedSep 20, 2026
Details

Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New Vehicles Loan
3.25%
12 mos.
APR3.25%
Term12 mos.
Last UpdatedSep 16, 2026
Details

APR*

Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New Vehicles Loan
3.25%
24 mos.
APR3.25%
Term24 mos.
Last UpdatedSep 16, 2026
Details

APR*

First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
Auto Loans
3.25%
0-36 months
APR3.25%
Term0-36 months
Last UpdatedSep 21, 2026
Details

2023 & newer; As low as

Bradford Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.30%
Vehicle Loan
3.25%
Up to 60 Months
APR3.25%
TermUp to 60 Months
Last UpdatedSep 21, 2026
Details

As low as; Model Year: 2026-2025

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
New Auto
3.34%
Up to 36 Months
APR3.34%
TermUp to 36 Months
Last UpdatedSep 21, 2026
Details

As Low As

First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
Used Autos
3.49%
Up to 40 Months
APR3.49%
TermUp to 40 Months
Last UpdatedSep 20, 2026
Details

Model Year: 2026 - 2024

First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
Auto Loans
3.49%
37-48 months
APR3.49%
Term37-48 months
Last UpdatedSep 21, 2026
Details

2023 & newer; As low as

VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New Vehicle Loan
3.49%
36 Months
APR3.49%
Term36 Months
Last UpdatedSep 22, 2026
Details

Published APR range: 3.490% - 8.990%. Zero Down Payment

VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New Vehicle Loan
3.49%
48 Months
APR3.49%
Term48 Months
Last UpdatedSep 22, 2026
Details

Published APR range: 3.490% - 9.240%. Zero Down Payment

Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New Vehicles Loan
3.50%
36 mos.
APR3.50%
Term36 mos.
Last UpdatedSep 16, 2026
Details

APR*

Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
Used Vehicles - (3-4 Years Old) JD Power Book Price - 90% Financed Loan
3.50%
12 mos.
APR3.50%
Term12 mos.
Last UpdatedSep 16, 2026
Details

APR*

Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
Used Vehicles - (5 Years & Older) JD Power Book Price - 85% Financed Loan
3.50%
12 mos.
APR3.50%
Term12 mos.
Last UpdatedSep 16, 2026
Details

APR range: 3.50% - 9.00% APR*

Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
Used Vehicles - Up To 2 Years Old - 100% Financed Loan
3.50%
12 mos.
APR3.50%
Term12 mos.
Last UpdatedSep 16, 2026
Details

APR*

Fayette Federal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
New Vehicle Loans
3.50%
36 months
APR3.50%
Term36 months
Last UpdatedSep 21, 2026
Details

Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
New Auto Loan
3.50%
5 years
APR3.50%
Interest Rate3.50%
Term5 years
Last UpdatedSep 21, 2026
Details

As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.

UFCW COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
New Vehicle Loans
3.70%
Up to 84 months
APR3.70%
TermUp to 84 months
Last UpdatedSep 22, 2026
Details

As low as

First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
New Autos | Never Titled
3.74%
41-52 months
APR3.74%
Term41-52 months
Last UpdatedSep 20, 2026
Details

Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New Vehicles Loan
3.75%
48 mos.
APR3.75%
Term48 mos.
Last UpdatedSep 16, 2026
Details

APR*

Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
Used Vehicles - (3-4 Years Old) JD Power Book Price - 90% Financed Loan
3.75%
24 mos.
APR3.75%
Term24 mos.
Last UpdatedSep 16, 2026
Details

APR*

Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
Used Vehicles - (5 Years & Older) JD Power Book Price - 85% Financed Loan
3.75%
24 mos.
APR3.75%
Term24 mos.
Last UpdatedSep 16, 2026
Details

APR range: 3.75% - 9.50% APR*

Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
Used Vehicles - Up To 2 Years Old - 100% Financed Loan
3.75%
24 mos.
APR3.75%
Term24 mos.
Last UpdatedSep 16, 2026
Details

APR*

IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
New / Used Vehicles
3.75%
48 months
APR3.75%
Interest Rate3.75%
Term48 months
Last UpdatedSep 21, 2026
Details

Published rate range: 3.75%-12.80%.

IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
New / Used Vehicles
3.75%
36 months
APR3.75%
Interest Rate3.75%
Term36 months
Last UpdatedSep 21, 2026
Details

Published rate range: 3.75%-12.75%.

IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
New / Used Vehicles Loan
3.75%
up to 84 Months
APR3.75%
Termup to 84 Months
Last UpdatedSep 21, 2026
Details

New vehicle can be financed up to 84 Months. Used vehicle can be financed up to 72 Months. Certain limitations may apply.

IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
New Vehicles Loan
3.75%
up to 84 Months
APR3.75%
Termup to 84 Months
Last UpdatedSep 21, 2026
Details

Published APR range: 3.75%-11.70%.

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
Vehicle Loans
3.75%
36 Month
APR3.75%
Interest Rate3.75%
Term36 Month
Last UpdatedSep 22, 2026
Details

as low as 3.75% with Relationship Rewards Example Payment Disclosure: To finance an auto loan of $15,000 at 4.75% APR for 36 months with $0.00 down payment would be a payment of $447.88 per month

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Used Auto
3.84%
Up to 36 Months
APR3.84%
TermUp to 36 Months
Last UpdatedSep 21, 2026
Details

As Low As

UFCW LOCAL 23
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
New Auto 2025-2024
3.90%
6 years
APR3.90%
Interest Rate3.90%
Term6 years
Last UpdatedSep 22, 2026
Details

General Electric Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
Vehicle Loan
3.99%
Up to 48 months
APR3.99%
TermUp to 48 months
Last UpdatedSep 16, 2026
Details

As Low As

General Electric Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
Vehicle Loan
3.99%
Up to 60 months
APR3.99%
TermUp to 60 months
Last UpdatedSep 16, 2026
Details

As Low As

General Electric Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
Vehicle Loan
3.99%
Up to 48 months
APR3.99%
TermUp to 48 months
Last UpdatedSep 16, 2026
Details

As Low As; Fixed

General Electric Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
Vehicle Loan
3.99%
Up to 60 months
APR3.99%
TermUp to 60 months
Last UpdatedSep 16, 2026
Details

As Low As; Fixed

Erie New Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
I B E W LOCAL 56
Institution Rating:
A5.0 ★ Texas Ratio: 9.60%
962 W 20TH ST, Erie, PA, 16502 2401
New Vehicle Loans - All Automobiles, Trucks, Motorcycles and Motor Homes
4.10%
24 Months
APR4.10%
Term24 Months
Last UpdatedSep 22, 2026
Details

Additional APR listed for this product: 6.40%. Rates as Low as*

Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
300 State St Ste 303, Erie, PA, 16507
New & Used Car Loan
4.24%
24 months
APR4.24%
Term24 months
Last UpdatedSep 20, 2026
Details

Model Year 2027-2024; Credit Score between 660 and 719; Min. value of car $15,000

I B E W LOCAL 56
Institution Rating:
A5.0 ★ Texas Ratio: 9.60%
962 W 20TH ST, Erie, PA, 16502 2401
New Vehicle Loans - All Automobiles, Trucks, Motorcycles and Motor Homes
4.40%
36 Months
APR4.40%
Term36 Months
Last UpdatedSep 22, 2026
Details

Additional APR listed for this product: 6.65%. Rates as Low as*

Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
300 State St Ste 303, Erie, PA, 16507
New & Used Car Loan
4.49%
36 months
APR4.49%
Term36 months
Last UpdatedSep 20, 2026
Details

Model Year 2027-2024; Credit Score between 660 and 719; Min. value of car $15,000

Americo Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
4101 Main St, Erie, PA, 16511
Autos & Motorcycles (2022 & Newer)
4.49%
36 months
APR4.49%
Term36 months
Last UpdatedSep 21, 2026
Details

As Low As; **

Americo Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
4101 Main St, Erie, PA, 16511
Autos & Motorcycles (2022 & Newer)
4.49%
60 months
APR4.49%
Term60 months
Last UpdatedSep 21, 2026
Details

As Low As; **

Saint Vincent Erie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
2314 Sassafras St Ste 100, Erie, PA, 16502
New Car Loan
4.49%
36 months
APR4.49%
Term36 months
Last UpdatedSep 21, 2026
Details

Either 100% of NADA retail value, or the purchase price - whichever is lower.

Locomotive And Control Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
1286 E 38th St, Erie, PA, 16504 3039
New Vehicles - Autos
4.50%
36 months
APR4.50%
Term36 months
Last UpdatedSep 16, 2026
Details

Maximum: Retail Value

I B E W LOCAL 56
Institution Rating:
A5.0 ★ Texas Ratio: 9.60%
962 W 20TH ST, Erie, PA, 16502 2401
New Vehicle Loans - All Automobiles, Trucks, Motorcycles and Motor Homes
4.55%
48 Months
APR4.55%
Term48 Months
Last UpdatedSep 22, 2026
Details

Additional APR listed for this product: 6.90%. Rates as Low as*

Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
300 State St Ste 303, Erie, PA, 16507
New & Used Car Loan
4.74%
48 months
APR4.74%
Term48 months
Last UpdatedSep 20, 2026
Details

Model Year 2027-2024; Credit Score between 660 and 719; Min. value of car $15,000

Saint Vincent Erie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
2314 Sassafras St Ste 100, Erie, PA, 16502
New Car Loan
4.74%
48 months
APR4.74%
Term48 months
Last UpdatedSep 21, 2026
Details

Either 100% of NADA retail value, or the purchase price - whichever is lower.

Locomotive And Control Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
1286 E 38th St, Erie, PA, 16504 3039
New Vehicles - Autos
4.75%
48 months
APR4.75%
Term48 months
Last UpdatedSep 16, 2026
Details

Maximum: Retail Value

I B E W LOCAL 56
Institution Rating:
A5.0 ★ Texas Ratio: 9.60%
962 W 20TH ST, Erie, PA, 16502 2401
New Vehicle Loans - All Automobiles, Trucks, Motorcycles and Motor Homes
4.75%
60 Months
APR4.75%
Term60 Months
Last UpdatedSep 22, 2026
Details

Additional APR listed for this product: 7.15%. Rates as Low as*

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1129 State St, Erie, PA, 16501 1911
New 2026 Auto Loan
4.84%
36 month
APR4.84%
Term36 month
Last UpdatedSep 22, 2026
Details

Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
300 State St Ste 303, Erie, PA, 16507
New & Used Car Loan
4.99%
60 months
APR4.99%
Term60 months
Last UpdatedSep 20, 2026
Details

Model Year 2027-2024; Credit Score between 660 and 719; Min. value of car $15,000

Americo Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
4101 Main St, Erie, PA, 16511
Autos & Motorcycles (2022 & Newer)
4.99%
72 months
APR4.99%
Term72 months
Last UpdatedSep 21, 2026
Details

As Low As; **

Saint Vincent Erie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
2314 Sassafras St Ste 100, Erie, PA, 16502
New Car Loan
4.99%
60 months
APR4.99%
Term60 months
Last UpdatedSep 21, 2026
Details

Either 100% of NADA retail value, or the purchase price - whichever is lower.

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1129 State St, Erie, PA, 16501 1911
New 2026 Auto Loan
4.99%
48 month
APR4.99%
Term48 month
Last UpdatedSep 22, 2026
Details

I B E W LOCAL 56
Institution Rating:
A5.0 ★ Texas Ratio: 9.60%
962 W 20TH ST, Erie, PA, 16502 2401
New Vehicle Loans - All Automobiles, Trucks, Motorcycles and Motor Homes
5.10%
72 Months
APR5.10%
Term72 Months
Last UpdatedSep 22, 2026
Details

Additional APR listed for this product: 7.65%. Rates as Low as*

Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
300 State St Ste 303, Erie, PA, 16507
New & Used Car Loan
5.24%
72 months
APR5.24%
Term72 months
Last UpdatedSep 20, 2026
Details

Model Year 2027-2024; Credit Score between 660 and 719; Min. value of car $25,000

Saint Vincent Erie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
2314 Sassafras St Ste 100, Erie, PA, 16502
New Car Loan
5.24%
72 months
APR5.24%
Term72 months
Last UpdatedSep 21, 2026
Details

Either 100% of NADA retail value, or the purchase price - whichever is lower.

Locomotive And Control Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
1286 E 38th St, Erie, PA, 16504 3039
New Vehicles - Autos
5.25%
60 months
APR5.25%
Term60 months
Last UpdatedSep 16, 2026
Details

Maximum: Retail Value

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1129 State St, Erie, PA, 16501 1911
New 2026 Auto Loan
5.29%
60 month
APR5.29%
Term60 month
Last UpdatedSep 22, 2026
Details

Americo Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
4101 Main St, Erie, PA, 16511
Autos & Motorcycles (2022 & Newer)
5.49%
84 months
APR5.49%
Term84 months
Last UpdatedSep 21, 2026
Details

As Low As; **

I B E W LOCAL 56
Institution Rating:
A5.0 ★ Texas Ratio: 9.60%
962 W 20TH ST, Erie, PA, 16502 2401
New Vehicle Loans - All Automobiles, Trucks, Motorcycles and Motor Homes
5.50%
84 Months
APR5.50%
Term84 Months
Last UpdatedSep 22, 2026
Details

Rates as Low as*

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1129 State St, Erie, PA, 16501 1911
New 2026 Auto Loan
5.54%
72 month
APR5.54%
Term72 month
Last UpdatedSep 22, 2026
Details

Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
300 State St Ste 303, Erie, PA, 16507
New & Used Car Loan
5.59%
84 months
APR5.59%
Term84 months
Last UpdatedSep 20, 2026
Details

Model Year 2027-2024; Credit Score between 660 and 719; Min. value of car $30,000

Saint Vincent Erie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
2314 Sassafras St Ste 100, Erie, PA, 16502
New Car Loan
5.59%
84 months
APR5.59%
Term84 months
Last UpdatedSep 21, 2026
Details

Either 100% of NADA retail value, or the purchase price - whichever is lower.

Locomotive And Control Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
1286 E 38th St, Erie, PA, 16504 3039
New Vehicles - Autos
5.75%
84 months
APR5.75%
Term84 months
Last UpdatedSep 16, 2026
Details

Maximum: Retail Value

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1129 State St, Erie, PA, 16501 1911
New 2026 Auto Loan
5.79%
84 month
APR5.79%
Term84 month
Last UpdatedSep 22, 2026
Details

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1129 State St, Erie, PA, 16501 1911
New 2026 Auto Loan
6.54%
96 month
APR6.54%
Term96 month
Last UpdatedSep 22, 2026
Details

Americo Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
4101 Main St, Erie, PA, 16511
Autos & Motorcycles (2022 & Newer)
8.99%
120 months
APR8.99%
Term120 months
Last UpdatedSep 21, 2026
Details

As Low As; *** **

Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
New Auto Loan
2.99%
4 years
APR2.99%
Interest Rate2.99%
Term4 years
Last UpdatedSep 21, 2026
Details

As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.

Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
New Auto Loan
2.99%
3 years
APR2.99%
Interest Rate2.99%
Term3 years
Last UpdatedSep 21, 2026
Details

As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.

Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
New Auto Loan
2.99%
2 years
APR2.99%
Interest Rate2.99%
Term2 years
Last UpdatedSep 21, 2026
Details

As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.

Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
New Auto Loan
2.99%
1 year
APR2.99%
Interest Rate2.99%
Term1 year
Last UpdatedSep 21, 2026
Details

As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.

First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
New Autos | Never Titled
3.24%
Up to 40 months
APR3.24%
TermUp to 40 months
Last UpdatedSep 20, 2026
Details

Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New Vehicles Loan
3.25%
12 mos.
APR3.25%
Term12 mos.
Last UpdatedSep 16, 2026
Details

APR*

Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New Vehicles Loan
3.25%
24 mos.
APR3.25%
Term24 mos.
Last UpdatedSep 16, 2026
Details

APR*

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
New Auto
3.34%
Up to 36 Months
APR3.34%
TermUp to 36 Months
Last UpdatedSep 21, 2026
Details

As Low As

VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New Vehicle Loan
3.49%
36 Months
APR3.49%
Term36 Months
Last UpdatedSep 22, 2026
Details

Published APR range: 3.490% - 8.990%. Zero Down Payment

VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New Vehicle Loan
3.49%
48 Months
APR3.49%
Term48 Months
Last UpdatedSep 22, 2026
Details

Published APR range: 3.490% - 9.240%. Zero Down Payment

Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New Vehicles Loan
3.50%
36 mos.
APR3.50%
Term36 mos.
Last UpdatedSep 16, 2026
Details

APR*

Fayette Federal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
New Vehicle Loans
3.50%
36 months
APR3.50%
Term36 months
Last UpdatedSep 21, 2026
Details

Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
New Auto Loan
3.50%
5 years
APR3.50%
Interest Rate3.50%
Term5 years
Last UpdatedSep 21, 2026
Details

As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.

UFCW COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
New Vehicle Loans
3.70%
Up to 84 months
APR3.70%
TermUp to 84 months
Last UpdatedSep 22, 2026
Details

As low as

First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
New Autos | Never Titled
3.74%
41-52 months
APR3.74%
Term41-52 months
Last UpdatedSep 20, 2026
Details

Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New Vehicles Loan
3.75%
48 mos.
APR3.75%
Term48 mos.
Last UpdatedSep 16, 2026
Details

APR*

IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
New / Used Vehicles
3.75%
48 months
APR3.75%
Interest Rate3.75%
Term48 months
Last UpdatedSep 21, 2026
Details

Published rate range: 3.75%-12.80%.

IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
New / Used Vehicles
3.75%
36 months
APR3.75%
Interest Rate3.75%
Term36 months
Last UpdatedSep 21, 2026
Details

Published rate range: 3.75%-12.75%.

IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
New / Used Vehicles Loan
3.75%
up to 84 Months
APR3.75%
Termup to 84 Months
Last UpdatedSep 21, 2026
Details

New vehicle can be financed up to 84 Months. Used vehicle can be financed up to 72 Months. Certain limitations may apply.

IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
New Vehicles Loan
3.75%
up to 84 Months
APR3.75%
Termup to 84 Months
Last UpdatedSep 21, 2026
Details

Published APR range: 3.75%-11.70%.

UFCW LOCAL 23
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
New Auto 2025-2024
3.90%
6 years
APR3.90%
Interest Rate3.90%
Term6 years
Last UpdatedSep 22, 2026
Details

Erie Used Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
300 State St Ste 303, Erie, PA, 16507
New & Used Car Loan
4.24%
24 months
APR4.24%
Term24 months
Last UpdatedSep 20, 2026
Details

Model Year 2027-2024; Credit Score between 660 and 719; Min. value of car $15,000

Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
300 State St Ste 303, Erie, PA, 16507
New & Used Car Loan
4.49%
36 months
APR4.49%
Term36 months
Last UpdatedSep 20, 2026
Details

Model Year 2027-2024; Credit Score between 660 and 719; Min. value of car $15,000

Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
300 State St Ste 303, Erie, PA, 16507
New & Used Car Loan
4.74%
48 months
APR4.74%
Term48 months
Last UpdatedSep 20, 2026
Details

Model Year 2027-2024; Credit Score between 660 and 719; Min. value of car $15,000

I B E W LOCAL 56
Institution Rating:
A5.0 ★ Texas Ratio: 9.60%
962 W 20TH ST, Erie, PA, 16502 2401
Used Vehicle Loans - All Automobiles, Trucks, Motorcycles and Motor Homes
4.80%
24 Months
APR4.80%
Term24 Months
Last UpdatedSep 22, 2026
Details

Model Year 2018-2019: Add 0.75% APR*

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1129 State St, Erie, PA, 16501 1911
Used 2024 - 2025 Auto Loan
4.84%
24 month
APR4.84%
Term24 month
Last UpdatedSep 22, 2026
Details

I B E W LOCAL 56
Institution Rating:
A5.0 ★ Texas Ratio: 9.60%
962 W 20TH ST, Erie, PA, 16502 2401
Used Vehicle Loans - All Automobiles, Trucks, Motorcycles and Motor Homes
4.95%
36 Months
APR4.95%
Term36 Months
Last UpdatedSep 22, 2026
Details

Additional APR listed for this product: 5.70%. Model Year 2018-2019: Add 0.75% APR*

Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
300 State St Ste 303, Erie, PA, 16507
New & Used Car Loan
4.99%
60 months
APR4.99%
Term60 months
Last UpdatedSep 20, 2026
Details

Model Year 2027-2024; Credit Score between 660 and 719; Min. value of car $15,000

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1129 State St, Erie, PA, 16501 1911
Used 2024 - 2025 Auto Loan
4.99%
36 month
APR4.99%
Term36 month
Last UpdatedSep 22, 2026
Details

Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
300 State St Ste 303, Erie, PA, 16507
Used Car Loan
5.14%
24 months
APR5.14%
Term24 months
Last UpdatedSep 20, 2026
Details

Model Year 2023-2020; Credit Score between 660 and 719; Min. value of car $15,000

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1129 State St, Erie, PA, 16501 1911
Used 2024 - 2025 Auto Loan
5.14%
48 month
APR5.14%
Term48 month
Last UpdatedSep 22, 2026
Details

I B E W LOCAL 56
Institution Rating:
A5.0 ★ Texas Ratio: 9.60%
962 W 20TH ST, Erie, PA, 16502 2401
Used Vehicle Loans - All Automobiles, Trucks, Motorcycles and Motor Homes
5.20%
48 Months
APR5.20%
Term48 Months
Last UpdatedSep 22, 2026
Details

Model Year 2018-2019: Add 0.75% APR*

Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
300 State St Ste 303, Erie, PA, 16507
New & Used Car Loan
5.24%
72 months
APR5.24%
Term72 months
Last UpdatedSep 20, 2026
Details

Model Year 2027-2024; Credit Score between 660 and 719; Min. value of car $25,000

Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
300 State St Ste 303, Erie, PA, 16507
Used Car Loan
5.24%
36 months
APR5.24%
Term36 months
Last UpdatedSep 20, 2026
Details

Model Year 2023-2020; Credit Score between 660 and 719; Min. value of car $15,000

Locomotive And Control Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
1286 E 38th St, Erie, PA, 16504 3039
Used Vehicles - Autos - 2023 - 2024
5.25%
36 months
APR5.25%
Term36 months
Last UpdatedSep 16, 2026
Details

Maximum: Retail Value

I B E W LOCAL 56
Institution Rating:
A5.0 ★ Texas Ratio: 9.60%
962 W 20TH ST, Erie, PA, 16502 2401
Used Vehicle Loans - All Automobiles, Trucks, Motorcycles and Motor Homes
5.40%
60 Months
APR5.40%
Term60 Months
Last UpdatedSep 22, 2026
Details

Model Year 2018-2019: Add 0.75% APR*

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1129 State St, Erie, PA, 16501 1911
Used 2019 - 2023 Auto Loan
5.44%
24 month
APR5.44%
Term24 month
Last UpdatedSep 22, 2026
Details

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1129 State St, Erie, PA, 16501 1911
Used 2024 - 2025 Auto Loan
5.44%
60 month
APR5.44%
Term60 month
Last UpdatedSep 22, 2026
Details

Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
300 State St Ste 303, Erie, PA, 16507
Used Car Loan
5.49%
48 months
APR5.49%
Term48 months
Last UpdatedSep 20, 2026
Details

Model Year 2023-2020; Credit Score between 660 and 719; Min. value of car $15,000

Locomotive And Control Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
1286 E 38th St, Erie, PA, 16504 3039
Used Vehicles - Autos - 2020 - 2022
5.50%
36 months
APR5.50%
Term36 months
Last UpdatedSep 16, 2026
Details

Maximum: Retail Value

Locomotive And Control Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
1286 E 38th St, Erie, PA, 16504 3039
Used Vehicles - Autos - 2023 - 2024
5.50%
48 months
APR5.50%
Term48 months
Last UpdatedSep 16, 2026
Details

Maximum: Retail Value

Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
300 State St Ste 303, Erie, PA, 16507
New & Used Car Loan
5.59%
84 months
APR5.59%
Term84 months
Last UpdatedSep 20, 2026
Details

Model Year 2027-2024; Credit Score between 660 and 719; Min. value of car $30,000

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1129 State St, Erie, PA, 16501 1911
Used 2019 - 2023 Auto Loan
5.59%
36 month
APR5.59%
Term36 month
Last UpdatedSep 22, 2026
Details

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1129 State St, Erie, PA, 16501 1911
Used 2024 - 2025 Auto Loan
5.69%
72 month
APR5.69%
Term72 month
Last UpdatedSep 22, 2026
Details

I B E W LOCAL 56
Institution Rating:
A5.0 ★ Texas Ratio: 9.60%
962 W 20TH ST, Erie, PA, 16502 2401
Used Vehicle Loans - All Automobiles, Trucks, Motorcycles and Motor Homes
5.70%
72 Months
APR5.70%
Term72 Months
Last UpdatedSep 22, 2026
Details

Model Year 2018-2019: Add 0.75% APR*

Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
300 State St Ste 303, Erie, PA, 16507
Used Car Loan
5.74%
60 months
APR5.74%
Term60 months
Last UpdatedSep 20, 2026
Details

Model Year 2023-2020; Credit Score between 660 and 719; Min. value of car $15,000

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1129 State St, Erie, PA, 16501 1911
Used 2019 - 2023 Auto Loan
5.74%
48 month
APR5.74%
Term48 month
Last UpdatedSep 22, 2026
Details

Locomotive And Control Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
1286 E 38th St, Erie, PA, 16504 3039
Used Vehicles - Autos - 2017 - 2019
5.75%
36 months
APR5.75%
Term36 months
Last UpdatedSep 16, 2026
Details

Maximum: Retail Value

Locomotive And Control Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
1286 E 38th St, Erie, PA, 16504 3039
Used Vehicles - Autos - 2020 - 2022
5.75%
48 months
APR5.75%
Term48 months
Last UpdatedSep 16, 2026
Details

Maximum: Retail Value

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1129 State St, Erie, PA, 16501 1911
Used 2024 - 2025 Auto Loan
5.94%
84 month
APR5.94%
Term84 month
Last UpdatedSep 22, 2026
Details

Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
300 State St Ste 303, Erie, PA, 16507
Used Car Loan
5.99%
72 months
APR5.99%
Term72 months
Last UpdatedSep 20, 2026
Details

Model Year 2023-2020; Credit Score between 660 and 719; Min. value of car $25,000

Locomotive And Control Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
1286 E 38th St, Erie, PA, 16504 3039
Used Vehicles - Autos - 2017 - 2019
6.00%
48 months
APR6.00%
Term48 months
Last UpdatedSep 16, 2026
Details

Maximum: Retail Value

Locomotive And Control Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
1286 E 38th St, Erie, PA, 16504 3039
Used Vehicles - Autos - 2023 - 2024
6.00%
60 months
APR6.00%
Term60 months
Last UpdatedSep 16, 2026
Details

Maximum: Retail Value

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1129 State St, Erie, PA, 16501 1911
Used 2019 - 2023 Auto Loan
6.04%
60 month
APR6.04%
Term60 month
Last UpdatedSep 22, 2026
Details

Locomotive And Control Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
1286 E 38th St, Erie, PA, 16504 3039
Used Vehicles - Autos - 2020 - 2022
6.25%
60-72 months
APR6.25%
Term60-72 months
Last UpdatedSep 16, 2026
Details

Maximum: Retail Value

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1129 State St, Erie, PA, 16501 1911
Used 2019 - 2023 Auto Loan
6.29%
72 month
APR6.29%
Term72 month
Last UpdatedSep 22, 2026
Details

Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
300 State St Ste 303, Erie, PA, 16507
Used Car Loan
6.49%
24 months
APR6.49%
Term24 months
Last UpdatedSep 20, 2026
Details

Model Year 2019-2016; Credit Score between 660 and 719; Min. value of car $15,000

Locomotive And Control Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
1286 E 38th St, Erie, PA, 16504 3039
Used Vehicles - Autos - 2015 - 2016
6.50%
36 months
APR6.50%
Term36 months
Last UpdatedSep 16, 2026
Details

Maximum: 80% of Retail Value

Locomotive And Control Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
1286 E 38th St, Erie, PA, 16504 3039
Used Vehicles - Autos - 2015 - 2016
6.50%
48 months
APR6.50%
Term48 months
Last UpdatedSep 16, 2026
Details

Maximum: Retail Value

Locomotive And Control Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
1286 E 38th St, Erie, PA, 16504 3039
Used Vehicles - Autos - 2023 - 2024
6.50%
72-84 months
APR6.50%
Term72-84 months
Last UpdatedSep 16, 2026
Details

Maximum: Retail Value

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1129 State St, Erie, PA, 16501 1911
Used 2019 - 2023 Auto Loan
6.54%
84 month
APR6.54%
Term84 month
Last UpdatedSep 22, 2026
Details

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1129 State St, Erie, PA, 16501 1911
Used 2014 - 2018 Auto Loan
6.69%
24 month
APR6.69%
Term24 month
Last UpdatedSep 22, 2026
Details

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1129 State St, Erie, PA, 16501 1911
Used 2024 - 2025 Auto Loan
6.69%
96 month
APR6.69%
Term96 month
Last UpdatedSep 22, 2026
Details

Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
300 State St Ste 303, Erie, PA, 16507
Used Car Loan
6.74%
84 months
APR6.74%
Term84 months
Last UpdatedSep 20, 2026
Details

Model Year 2023-2020; Credit Score between 660 and 719; Min. value of car $30,000

Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
300 State St Ste 303, Erie, PA, 16507
Used Car Loan
6.74%
36 months
APR6.74%
Term36 months
Last UpdatedSep 20, 2026
Details

Model Year 2019-2016; Credit Score between 660 and 719; Min. value of car $15,000

Locomotive And Control Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
1286 E 38th St, Erie, PA, 16504 3039
Used Vehicles - Autos - 2017 - 2019
6.75%
60 months
APR6.75%
Term60 months
Last UpdatedSep 16, 2026
Details

Maximum: Retail Value

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1129 State St, Erie, PA, 16501 1911
Used 2014 - 2018 Auto Loan
6.84%
36 month
APR6.84%
Term36 month
Last UpdatedSep 22, 2026
Details

I B E W LOCAL 56
Institution Rating:
A5.0 ★ Texas Ratio: 9.60%
962 W 20TH ST, Erie, PA, 16502 2401
All Other Used Titled Vehicles - Boats and Trailers, Travel Trailers, ATV's, Jet Skis, etc. Loan
6.90%
24 Months
APR6.90%
Term24 Months
Last UpdatedSep 22, 2026
Details

Additional APR listed for this product: 7.65%. As Low As; Model Year 2018-2019: Add 0.75% APR*

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1129 State St, Erie, PA, 16501 1911
Used 2014 - 2018 Auto Loan
6.99%
48 month
APR6.99%
Term48 month
Last UpdatedSep 22, 2026
Details

I B E W LOCAL 56
Institution Rating:
A5.0 ★ Texas Ratio: 9.60%
962 W 20TH ST, Erie, PA, 16502 2401
All Other Used Titled Vehicles - Boats and Trailers, Travel Trailers, ATV's, Jet Skis, etc. Loan
7.15%
36 Months
APR7.15%
Term36 Months
Last UpdatedSep 22, 2026
Details

As Low As; Model Year 2018-2019: Add 0.75% APR*

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1129 State St, Erie, PA, 16501 1911
Used 2014 - 2018 Auto Loan
7.29%
60 month
APR7.29%
Term60 month
Last UpdatedSep 22, 2026
Details

I B E W LOCAL 56
Institution Rating:
A5.0 ★ Texas Ratio: 9.60%
962 W 20TH ST, Erie, PA, 16502 2401
All Other Used Titled Vehicles - Boats and Trailers, Travel Trailers, ATV's, Jet Skis, etc. Loan
7.40%
48 Months
APR7.40%
Term48 Months
Last UpdatedSep 22, 2026
Details

Additional APR listed for this product: 8.15%. As Low As; Model Year 2018-2019: Add 0.75% APR*

Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
300 State St Ste 303, Erie, PA, 16507
Used Car Loan
7.49%
48 months
APR7.49%
Term48 months
Last UpdatedSep 20, 2026
Details

Model Year 2019-2016; Credit Score between 660 and 719; Min. value of car $15,000

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1129 State St, Erie, PA, 16501 1911
Used 2014 - 2018 Auto Loan
7.54%
72 month
APR7.54%
Term72 month
Last UpdatedSep 22, 2026
Details

I B E W LOCAL 56
Institution Rating:
A5.0 ★ Texas Ratio: 9.60%
962 W 20TH ST, Erie, PA, 16502 2401
All Other Used Titled Vehicles - Boats and Trailers, Travel Trailers, ATV's, Jet Skis, etc. Loan
7.65%
60 Months
APR7.65%
Term60 Months
Last UpdatedSep 22, 2026
Details

As Low As; Model Year 2018-2019: Add 0.75% APR*

Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
300 State St Ste 303, Erie, PA, 16507
Used Car Loan
7.74%
60 months
APR7.74%
Term60 months
Last UpdatedSep 20, 2026
Details

Model Year 2019-2016; Credit Score between 660 and 719; Min. value of car $15,000

I B E W LOCAL 56
Institution Rating:
A5.0 ★ Texas Ratio: 9.60%
962 W 20TH ST, Erie, PA, 16502 2401
All Other Used Titled Vehicles - Boats and Trailers, Travel Trailers, ATV's, Jet Skis, etc. Loan
8.15%
72 Months
APR8.15%
Term72 Months
Last UpdatedSep 22, 2026
Details

As Low As; Model Year 2018-2019: Add 0.75% APR*

I B E W LOCAL 56
Institution Rating:
A5.0 ★ Texas Ratio: 9.60%
962 W 20TH ST, Erie, PA, 16502 2401
All Other Used Titled Vehicles - Boats and Trailers, Travel Trailers, ATV's, Jet Skis, etc. Loan
8.15%
36 Months
APR8.15%
Term36 Months
Last UpdatedSep 22, 2026
Details

As Low As; Model Year 2016-2017: Add 1.25% APR*

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1129 State St, Erie, PA, 16501 1911
Used 2011 - 2013 Auto Loan
8.19%
24 month
APR8.19%
Term24 month
Last UpdatedSep 22, 2026
Details

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1129 State St, Erie, PA, 16501 1911
Used 2011 - 2013 Auto Loan
8.34%
36 month
APR8.34%
Term36 month
Last UpdatedSep 22, 2026
Details

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1129 State St, Erie, PA, 16501 1911
Used 2011 - 2013 Auto Loan
8.49%
48 month
APR8.49%
Term48 month
Last UpdatedSep 22, 2026
Details

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1129 State St, Erie, PA, 16501 1911
Used 2011 - 2013 Auto Loan
8.79%
60 month
APR8.79%
Term60 month
Last UpdatedSep 22, 2026
Details

First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
Used Autos
3.49%
Up to 40 Months
APR3.49%
TermUp to 40 Months
Last UpdatedSep 20, 2026
Details

Model Year: 2026 - 2024

Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
Used Vehicles - (3-4 Years Old) JD Power Book Price - 90% Financed Loan
3.50%
12 mos.
APR3.50%
Term12 mos.
Last UpdatedSep 16, 2026
Details

APR*

Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
Used Vehicles - (5 Years & Older) JD Power Book Price - 85% Financed Loan
3.50%
12 mos.
APR3.50%
Term12 mos.
Last UpdatedSep 16, 2026
Details

APR range: 3.50% - 9.00% APR*

Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
Used Vehicles - Up To 2 Years Old - 100% Financed Loan
3.50%
12 mos.
APR3.50%
Term12 mos.
Last UpdatedSep 16, 2026
Details

APR*

Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
Used Vehicles - (3-4 Years Old) JD Power Book Price - 90% Financed Loan
3.75%
24 mos.
APR3.75%
Term24 mos.
Last UpdatedSep 16, 2026
Details

APR*

Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
Used Vehicles - (5 Years & Older) JD Power Book Price - 85% Financed Loan
3.75%
24 mos.
APR3.75%
Term24 mos.
Last UpdatedSep 16, 2026
Details

APR range: 3.75% - 9.50% APR*

Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
Used Vehicles - Up To 2 Years Old - 100% Financed Loan
3.75%
24 mos.
APR3.75%
Term24 mos.
Last UpdatedSep 16, 2026
Details

APR*

IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
New / Used Vehicles
3.75%
48 months
APR3.75%
Interest Rate3.75%
Term48 months
Last UpdatedSep 21, 2026
Details

Published rate range: 3.75%-12.80%.

IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
New / Used Vehicles
3.75%
36 months
APR3.75%
Interest Rate3.75%
Term36 months
Last UpdatedSep 21, 2026
Details

Published rate range: 3.75%-12.75%.

IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
New / Used Vehicles Loan
3.75%
up to 84 Months
APR3.75%
Termup to 84 Months
Last UpdatedSep 21, 2026
Details

New vehicle can be financed up to 84 Months. Used vehicle can be financed up to 72 Months. Certain limitations may apply.

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Used Auto
3.84%
Up to 36 Months
APR3.84%
TermUp to 36 Months
Last UpdatedSep 21, 2026
Details

As Low As

Erie, PA Auto Loan Rate Trends

Compare local Erie, PA 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.

View Full Pennsylvania Auto Trends
New Auto Loan PA Avg
6.019%
▼ 0.251 vs 7 days ago

Pennsylvania new auto rates fell 0.251 points over the past 7 days to 6.019% APR.

Used Auto Loan PA Avg
7.190%
▼ 0.351 vs 7 days ago

Pennsylvania used auto rates fell 0.351 points over the past 7 days to 7.190% APR.

As of Sep 22, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Erie, PA Auto Loan Rate Forecast, Next 12 Months

Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Pennsylvania figures.

Current New Auto Avg
6.02%
APR, as of Sep 22, 2026
6-Month Forecast
6.10%
Fed hold assumed
12-Month Forecast
6.17%
Range: 5.82% to 6.37%
Forecast Methodology & Assumptions

Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.

Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.

What Would Your Monthly Car Payment Be?

Estimated monthly payments on a standard 60-month auto loan at today’s average Pennsylvania APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.

Loan Amount New Auto @ 6.02% APR
PA average
Used Auto @ 7.19% APR
PA average
Monthly Difference
$15,000 $290.12/mo $298.37/mo $8.25/mo
$25,000 $483.54/mo $497.28/mo $13.74/mo
$35,000 $676.95/mo $696.19/mo $19.24/mo
$45,000 $870.37/mo $895.10/mo $24.74/mo

Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.

How to Get the Best Auto Loan Rate in Erie, Pennsylvania

1

Get Preapproved Before You Shop

A preapproval from a bank or credit union serving Erie, Pennsylvania locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.

2

Check Credit Unions First

Credit unions consistently offer some of the lowest auto loan APRs in Pennsylvania. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.

3

Choose the Shortest Term You Can Afford

Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.

4

Mind the New vs. Used Rate Spread

Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.

Building a down payment, or is an auto loan not the right fit?

Erie, Pennsylvania Financial Snapshot

Local demographics and economic context for car buyers. Source: U.S. Census Bureau

$30,795
Median Individual Earnings
National avg: $47,340
7.1%
Unemployment Rate
National avg: 4.8%
23.3%
Poverty Rate
National avg: 11.1%
$580/mo
Payment on a $30K / 60-mo Loan
At PA new-auto avg 6.02% APR

A $580 monthly car payment works out to roughly 22.6% of the median individual income in Erie, Pennsylvania. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15–20% of take-home pay.

Auto Financing Options Compared

An auto loan isn’t the only way to finance a vehicle in Erie, Pennsylvania, but for most borrowers it’s the cheapest. Here’s how the main options stack up.

Feature Credit Union Auto Loan Bank Auto Loan Dealer Financing Personal Loan
Typical APR Level Often lowest Competitive Varies, can be marked up Highest (unsecured)
Rate Locked Before You Shop Yes, via preapproval Yes, via preapproval Arranged at the dealership Yes
Membership / Relationship Required Membership (usually easy) No No No
Works for Private-Party Sales Usually Sometimes No Yes
Convenience at Purchase Preapproval step first Preapproval step first One-stop at the dealer Funds in 1–3 days
Best For Lowest total cost of borrowing Existing bank customers & rate discounts Manufacturer 0% promos on new cars Older vehicles lenders won’t finance

General comparison for educational purposes. Manufacturer promotional financing (0–2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.

Auto Loan Payment Calculator

Estimate your monthly payment on a new or used vehicle in Erie, Pennsylvania. We’ve prefilled the APR with today’s PA new-auto average, or click any current rate on the right to apply it instantly.

$
$
%
Current Rates: Click to Apply
$0
Estimated Monthly Payment
Loan Amount$0
Total Interest Paid$0
Total of All Payments$0
Total Cost incl. Down Payment$0

Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Erie, 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 Erie, 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 Erie, 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 Erie, 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 Erie, 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 Erie, Pennsylvania typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.

How long should my auto loan term be?

While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.

Should I get preapproved for an auto loan before visiting a dealer in Erie, Pennsylvania?

Yes. A preapproval from a bank or credit union serving Erie, Pennsylvania gives you a real rate to compare against dealer financing and turns you into a cash buyer at the negotiating table. Dealers often mark up the rates they arrange, so walking in with a preapproved offer routinely saves buyers money on the financing side of the deal.

Why are used car loan rates higher than new car rates?

Lenders charge more for used vehicles because they are harder to value, depreciate unpredictably, and carry more repossession risk. The spread between new and used rates is typically 0.5 to 1.5 percentage points. A late-model certified pre-owned vehicle sometimes qualifies for new-car rates, so ask the lender how they classify the vehicle before assuming the used rate applies.

Can I refinance my auto loan if rates drop or my credit improves?

Yes. Auto loan refinancing is usually fast and often fee-free. If your credit score has improved since you bought the vehicle, or you financed at a marked-up dealer rate, refinancing with a bank or credit union serving Erie, Pennsylvania can lower your monthly payment or shorten your term. It makes the most sense early in the loan, while most of your payments are still going to interest.

What are the best Auto Loan rates in Erie, Pennsylvania?

Based on our current data, some of the lowest auto loan rates available in Erie, Pennsylvania include:
  • I B E W LOCAL 56: 4.10% (New Vehicle Loans - All Automobiles, Trucks, Motorcycles and Motor Homes)
  • Tri State Rail Federal Credit Union: 4.24% (Vehicle Loan)
  • Erie Police Federal Credit Union: 4.24% (New & Used Car Loan)
  • Americo Federal Credit Union: 4.49% (Autos & Motorcycles (2022 & Newer))
  • Saint Vincent Erie Federal Credit Union: 4.49% (New Car Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Erie, Pennsylvania. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: September 22, 2026

Erie, Pennsylvania Rates & Resources