Auto Loan Rates in Lancaster, Pennsylvania (PA) for April 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Lancaster, Pennsylvania. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Lancaster, Pennsylvania include Lancaster Red Rose Credit UnionLancaster Red Rose Credit Union50 N Duke St, Lancaster, PA, 17602 2805A+5.0 ★Texas Ratio: 2.64% offering New & Used Auto Loans (2020 and Newer) at 4.50%, Pennsylvania State Employees Credit UnionPennsylvania State Employees Credit Union750 E King St, Lancaster, PA, 17602A+5.0 ★Texas Ratio: 5.69% offering Auto Loan Refinance at 4.69%, Members 1st Federal Credit Union Enola, PAMembers 1st Federal Credit Union Enola, PA1605 Lititz Pike, Lancaster, PA, 17601A+5.0 ★Texas Ratio: 5.20% offering Auto Loan 12 Months at 4.94%, Eagle One Federal Credit UnionEagle One Federal Credit Union1400 Harrisburg Pike, Lancaster, PA, 17604 1000A5.0 ★Texas Ratio: 13.26% offering New/Used Auto at 5.75%, Corner Post Federal Credit UnionCorner Post Federal Credit UnionA+5.0 ★Texas Ratio: 0.77% offering New Vehicles at 2.75%. Auto loan rates as of April 19, 2026 according to verified data from MonitorBankRates.
Lancaster has 4 local institutions in our database, with auto loan rates as low as 4.50% APR from Lancaster Red Rose Credit Union at 50 N Duke St, Lancaster, PA, 17602 2805. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Lancaster, Pennsylvania. Auto Loan Rates Last Updated and Verified: April 19, 2026
Compare Auto Loan Rates Today in Lancaster, Pennsylvania & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedApr 18, 2026
Details
750+
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
750 E King St, Lancaster, PA, 17602
Auto Loan Refinance
4.69%
1 - 63
▼
APR4.69%
Term1 - 63
Last UpdatedApr 19, 2026
Details
As Low As
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedApr 18, 2026
Details
750+
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
Used Auto Loans (2019 and Older)
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedApr 18, 2026
Details
FICO Score 750+
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
750 E King St, Lancaster, PA, 17602
Auto Loan Refinance
4.89%
64 - 75
▼
APR4.89%
Term64 - 75
Last UpdatedApr 19, 2026
Details
As Low As
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★ Texas Ratio: 5.20%
1605 Lititz Pike, Lancaster, PA, 17601
Auto Loan 12 Months
4.94%
12 Months
▼
APR4.94%
Term12 Months
Last UpdatedApr 18, 2026
Details
As Low As
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★ Texas Ratio: 5.20%
1605 Lititz Pike, Lancaster, PA, 17601
Auto Loan 24 Months
4.94%
24 Months
▼
APR4.94%
Term24 Months
Last UpdatedApr 18, 2026
Details
As Low As
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★ Texas Ratio: 5.20%
1605 Lititz Pike, Lancaster, PA, 17601
Auto Loan 36 Months
4.94%
36 Months
▼
APR4.94%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★ Texas Ratio: 5.20%
1605 Lititz Pike, Lancaster, PA, 17601
Auto Loan 48 Months
4.94%
48 Months
▼
APR4.94%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
750 E King St, Lancaster, PA, 17602
Auto Loan Refinance
4.94%
1 - 63
▼
APR4.94%
Term1 - 63
Last UpdatedApr 19, 2026
Details
As Low As
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedApr 18, 2026
Details
750+
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
Used Auto Loans (2019 and Older)
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedApr 18, 2026
Details
FICO Score 750+
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
750 E King St, Lancaster, PA, 17602
Auto Loan Refinance
5.14%
64 - 75
▼
APR5.14%
Term64 - 75
Last UpdatedApr 19, 2026
Details
As Low As
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedApr 18, 2026
Details
700 - 749
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
Used Auto Loans (2019 and Older)
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedApr 18, 2026
Details
FICO Score 750+
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
750 E King St, Lancaster, PA, 17602
Auto Loan Refinance
5.29%
76 - 84
▼
APR5.29%
Term76 - 84
Last UpdatedApr 19, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
750 E King St, Lancaster, PA, 17602
Auto Loan Refinance
5.44%
1 - 63
▼
APR5.44%
Term1 - 63
Last UpdatedApr 19, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
750 E King St, Lancaster, PA, 17602
New & Used Auto Loans
5.44%
1 - 63
▼
APR5.44%
Term1 - 63
Last UpdatedApr 19, 2026
Details
As Low As
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
Used Auto Loans (2019 and Older)
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedApr 18, 2026
Details
FICO Score 700 - 749
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
750 E King St, Lancaster, PA, 17602
Auto Loan Refinance
5.54%
76 - 84
▼
APR5.54%
Term76 - 84
Last UpdatedApr 19, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
750 E King St, Lancaster, PA, 17602
Auto Loan Refinance
5.64%
64 - 75
▼
APR5.64%
Term64 - 75
Last UpdatedApr 19, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
750 E King St, Lancaster, PA, 17602
New & Used Auto Loans
5.64%
64 - 75
▼
APR5.64%
Term64 - 75
Last UpdatedApr 19, 2026
Details
As Low As
Eagle One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.26%
1400 Harrisburg Pike, Lancaster, PA, 17604 1000
New/Used Auto
5.75%
36 Months
▼
APR5.75%
Term36 Months
Last UpdatedApr 17, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
750 E King St, Lancaster, PA, 17602
Auto Loan Refinance
6.04%
76 - 84
▼
APR6.04%
Term76 - 84
Last UpdatedApr 19, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
750 E King St, Lancaster, PA, 17602
New & Used Auto Loans
6.04%
76 - 84
▼
APR6.04%
Term76 - 84
Last UpdatedApr 19, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
750 E King St, Lancaster, PA, 17602
Auto Loan Refinance
6.29%
85 - 96
▼
APR6.29%
Term85 - 96
Last UpdatedApr 19, 2026
Details
As Low As
Eagle One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.26%
1400 Harrisburg Pike, Lancaster, PA, 17604 1000
New/Used Auto
6.50%
60 Months
▼
APR6.50%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
6.50%
36 Months
▼
APR6.50%
Term36 Months
Last UpdatedApr 18, 2026
Details
650 - 699
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
750 E King St, Lancaster, PA, 17602
Auto Loan Refinance
6.54%
85 - 96
▼
APR6.54%
Term85 - 96
Last UpdatedApr 19, 2026
Details
As Low As
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
6.75%
72 Months
▼
APR6.75%
Term72 Months
Last UpdatedApr 18, 2026
Details
650 - 699
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
Used Auto Loans (2019 and Older)
6.75%
36 Months
▼
APR6.75%
Term36 Months
Last UpdatedApr 18, 2026
Details
FICO Score 650 - 699
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
7.00%
84 Months
▼
APR7.00%
Term84 Months
Last UpdatedApr 18, 2026
Details
650 - 699
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
Used Auto Loans (2019 and Older)
7.00%
48 Months
▼
APR7.00%
Term48 Months
Last UpdatedApr 18, 2026
Details
FICO Score 650 - 699
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
750 E King St, Lancaster, PA, 17602
Auto Loan Refinance
7.04%
85 - 96
▼
APR7.04%
Term85 - 96
Last UpdatedApr 19, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
750 E King St, Lancaster, PA, 17602
New & Used Auto Loans
7.04%
85 - 96
▼
APR7.04%
Term85 - 96
Last UpdatedApr 19, 2026
Details
As Low As
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
Used Auto Loans (2019 and Older)
7.25%
60 Months
▼
APR7.25%
Term60 Months
Last UpdatedApr 18, 2026
Details
FICO Score 650 - 699
Eagle One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.26%
1400 Harrisburg Pike, Lancaster, PA, 17604 1000
New/Used Auto
7.75%
72 Months
▼
APR7.75%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As
Eagle One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.26%
1400 Harrisburg Pike, Lancaster, PA, 17604 1000
New/Used Auto
8.00%
84 Months
▼
APR8.00%
Term84 Months
Last UpdatedApr 17, 2026
Details
As Low As
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
8.50%
36 Months
▼
APR8.50%
Term36 Months
Last UpdatedApr 18, 2026
Details
600 - 649
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
8.75%
72 Months
▼
APR8.75%
Term72 Months
Last UpdatedApr 18, 2026
Details
600 - 649
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
Used Auto Loans (2019 and Older)
8.75%
36 Months
▼
APR8.75%
Term36 Months
Last UpdatedApr 18, 2026
Details
FICO Score 600 - 649
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
9.00%
84 Months
▼
APR9.00%
Term84 Months
Last UpdatedApr 18, 2026
Details
600 - 649
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
Used Auto Loans (2019 and Older)
9.00%
48 Months
▼
APR9.00%
Term48 Months
Last UpdatedApr 18, 2026
Details
FICO Score 600 - 649
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
Used Auto Loans (2019 and Older)
9.25%
60 Months
▼
APR9.25%
Term60 Months
Last UpdatedApr 18, 2026
Details
FICO Score 600 - 649
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
11.50%
36 Months
▼
APR11.50%
Term36 Months
Last UpdatedApr 18, 2026
Details
599 & below
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
11.75%
72 Months
▼
APR11.75%
Term72 Months
Last UpdatedApr 18, 2026
Details
599 & below
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
Used Auto Loans (2019 and Older)
11.75%
36 Months
▼
APR11.75%
Term36 Months
Last UpdatedApr 18, 2026
Details
FICO Score 599 & below
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
12.00%
84 Months
▼
APR12.00%
Term84 Months
Last UpdatedApr 18, 2026
Details
599 & below
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
Used Auto Loans (2019 and Older)
12.00%
48 Months
▼
APR12.00%
Term48 Months
Last UpdatedApr 18, 2026
Details
FICO Score 599 & below
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
Used Auto Loans (2019 and Older)
12.25%
60 Months
▼
APR12.25%
Term60 Months
Last UpdatedApr 18, 2026
Details
FICO Score 599 & below
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
New Vehicles
2.75%
12 Months
▼
APR2.75%
Term12 Months
Last UpdatedApr 17, 2026
Details
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
New Autos | Never Titled
3.24%
Up to 40
▼
APR3.24%
TermUp to 40
Last UpdatedApr 18, 2026
Details
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Autos 2026 - 2024
3.49%
Up to 40 Months
▼
APR3.49%
TermUp to 40 Months
Last UpdatedApr 18, 2026
Details
APR3.49%
Term36 Months
Last UpdatedApr 19, 2026
Details
Zero Down Payment
APR3.49%
Term36 Months
Last UpdatedApr 19, 2026
Details
2016-2019
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.70%
Up to 36 Months
▼
APR3.70%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
As Low As; Vehicle Model Years: All Years**
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
New Autos | Never Titled
3.74%
41-52
▼
APR3.74%
Term41-52
Last UpdatedApr 18, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
Used Vehicles - (3-4 Years Old) JD Power Book Price - 90% Financed
3.75%
12 Months
▼
APR3.75%
Term12 Months
Last UpdatedApr 17, 2026
Details
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
Used Vehicles - (5 Years & Older) JD Power Book Price - 85% Financed
3.75%
12 Months
▼
APR3.75%
Term12 Months
Last UpdatedApr 17, 2026
Details
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
Used Vehicles - Up To 2 Years Old - 100% Financed
3.75%
12 Months
▼
APR3.75%
Term12 Months
Last UpdatedApr 17, 2026
Details
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New Vehicles
3.75%
84 Months
▼
APR3.75%
Term84 Months
Last UpdatedApr 18, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
New or Used Auto Loans
3.79%
36 Months
▼
APR3.79%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; APR is Annual Percentage Rate.
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.80%
Up to 48 Months
▼
APR3.80%
TermUp to 48 Months
Last UpdatedApr 18, 2026
Details
As Low As; Vehicle Model Years: All Years**
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.90%
Up to 60 Months
▼
APR3.90%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details
As Low As; Vehicle Model Years: All Years**
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.95%
Up to 36 Months
▼
APR3.95%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
As Low As; Vehicle Model Years: All Years**
Stanwood Area Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.48%
New Auto
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 17, 2026
Details
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
Fixed Rate Auto Loan 2018- 2027 Model Year
3.99%
Up to 60 Months
▼
APR3.99%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details
Citymark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
New Car
3.99%
96 months
▼
APR3.99%
Term96 months
Last UpdatedApr 18, 2026
Details
As Low As; (based on credit score)
Citymark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
Used Car
3.99%
96 Months
▼
APR3.99%
Term96 Months
Last UpdatedApr 18, 2026
Details
As Low As; (based on credit score)
UFCW Local 1776 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicles
3.99%
5 Months
▼
APR3.99%
Term5 Months
Last UpdatedApr 18, 2026
Details
As Low As; * For Qualified Buyer
Mountain Laurel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
New Vehicle (2025- 2026)
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Mountain Laurel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
Used Vehicle (2018 - 2025)
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
HERITAGE VALLEY
Institution Rating:
A-4.9 ★ Texas Ratio: 15.90%
2024 Auto Loan
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
HERITAGE VALLEY
Institution Rating:
A-4.9 ★ Texas Ratio: 15.90%
2025 - 2026 Auto Loan
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
G.A.P. Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Vehicle (2026, 2025)
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedApr 17, 2026
Details
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Autos
4.00%
Up to 36 months
▼
APR4.00%
TermUp to 36 months
Last UpdatedApr 18, 2026
Details
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★
New Autos
4.00%
Up to 36 months
▼
APR4.00%
TermUp to 36 months
Last UpdatedApr 18, 2026
Details
APR4.00%
Term60 Months
Last UpdatedApr 19, 2026
Details
Zero Down Payment
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.05%
Up to 48 Months
▼
APR4.05%
TermUp to 48 Months
Last UpdatedApr 18, 2026
Details
As Low As; Vehicle Model Years: All Years**
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.15%
Up to 60 Months
▼
APR4.15%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details
As Low As; Vehicle Model Years: All Years**
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.15%
3 Months
▼
APR4.15%
Term3 Months
Last UpdatedApr 18, 2026
Details
As Low As; 3 YEAR REPAY
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.20%
Up to 72 Months
▼
APR4.20%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details
As Low As; Vehicle Model Years: 2020 or Newer**
Allegheny Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
New Vehicle Loan
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedApr 17, 2026
Details
As Low As; Current Year + 2 Years
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
Fixed Rate Auto Loan 2021 - 2027 Model Year
4.24%
Up to 84 Months
▼
APR4.24%
TermUp to 84 Months
Last UpdatedApr 18, 2026
Details
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
New Autos | Never Titled
4.24%
53-64
▼
APR4.24%
Term53-64
Last UpdatedApr 18, 2026
Details
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Car 2027-2024 Model Year
4.24%
24 Months
▼
APR4.24%
Term24 Months
Last UpdatedApr 18, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
As Low As
APR4.24%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; 2025 & newer
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
New Car Loans
4.25%
Up to 3 years
▼
APR4.25%
TermUp to 3 years
Last UpdatedApr 18, 2026
Details
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
Used Car Loans 2024 - 2026 models
4.25%
3 years
▼
APR4.25%
Term3 years
Last UpdatedApr 18, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.25%
4 Months
▼
APR4.25%
Term4 Months
Last UpdatedApr 18, 2026
Details
As Low As; 4 YEAR REPAY
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Autos 2022 and newer
4.25%
Up to 36 months
▼
APR4.25%
TermUp to 36 months
Last UpdatedApr 18, 2026
Details
80-90% NADA retail
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★
Used Autos 2021 and newer
4.25%
Up to 36 months 80-90% NADA retail
▼
APR4.25%
TermUp to 36 months 80-90% NADA retail
Last UpdatedApr 18, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.30%
Up to 48 Months
▼
APR4.30%
TermUp to 48 Months
Last UpdatedApr 18, 2026
Details
As Low As
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Autos 2026 - 2024
4.37%
41 - 52 months
▼
APR4.37%
Term41 - 52 months
Last UpdatedApr 18, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.40%
Up to 60 Months
▼
APR4.40%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details
As Low As
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
NEW Auto Loan
4.40%
36 Months
▼
APR4.40%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
APR4.44%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; 2024 & Older
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.45%
Up to 72 Months
▼
APR4.45%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details
As Low As; Vehicle Model Years: 2020 or Newer**
Allegheny Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
New Vehicle Loan
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As; Current Year + 2 Years
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
Fixed Rate Auto Loan 2016 - 2017 Model Year
4.49%
Up to 60 Months
▼
APR4.49%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
New Autos | Never Titled
4.49%
65-76
▼
APR4.49%
Term65-76
Last UpdatedApr 18, 2026
Details
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Autos
4.49%
Up to 52
▼
APR4.49%
TermUp to 52
Last UpdatedApr 18, 2026
Details
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Car 2027-2024 Model Year
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 18, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details
As Low As
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
New Vehicles
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 18, 2026
Details
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
New 2026 Auto Loan
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedApr 19, 2026
Details
As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
New 2026 Auto Loans
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedApr 19, 2026
Details
As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
Used 2024 - 2025 Auto Loan
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedApr 19, 2026
Details
As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
Used 2024 - 2025 Auto Loans
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedApr 19, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
Auto Loans
4.49%
up to 36 months
▼
APR4.49%
Termup to 36 months
Last UpdatedApr 19, 2026
Details
As Low As; w/ Auto Pay Discount: as low as 4.39%
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
Same rate on NEW or USED vehicles
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.41%
New Auto Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.41%
New Vehicles
4.50%
up to 60
▼
APR4.50%
Termup to 60
Last UpdatedApr 17, 2026
Details
As Low As; $5,000 min
Elliott Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
New Vehicle
4.50%
24 months
▼
APR4.50%
Term24 months
Last UpdatedApr 17, 2026
Details
As Low As
Locomotive And Control Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
New Vehicle Loan
4.50%
36 Month
▼
APR4.50%
Term36 Month
Last UpdatedApr 17, 2026
Details
G.A.P. Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Vehicle (2026, 2025)
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedApr 17, 2026
Details
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
New Car Loans
4.50%
Up to 4 years
▼
APR4.50%
TermUp to 4 years
Last UpdatedApr 18, 2026
Details
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
Used Car Loans 2024 - 2026 models
4.50%
4 years
▼
APR4.50%
Term4 years
Last UpdatedApr 18, 2026
Details
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Autos
4.50%
Up to 60 months
▼
APR4.50%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details
100% MSRP
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Autos 2022 and newer
4.50%
48 - 60 months
▼
APR4.50%
Term48 - 60 months
Last UpdatedApr 18, 2026
Details
80-90% NADA retail
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★
New Autos
4.50%
48 to 60 months 100% MSRP
▼
APR4.50%
Term48 to 60 months 100% MSRP
Last UpdatedApr 18, 2026
Details
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★
Used Autos 2021 and newer
4.50%
48 to 60 months 80-90% NADA retail
▼
APR4.50%
Term48 to 60 months 80-90% NADA retail
Last UpdatedApr 18, 2026
Details
Alcose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Vehicles 2025 - 2026
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; Up to 48 Months with an APR*
APR4.50%
Term72 Months
Last UpdatedApr 19, 2026
Details
Zero Down Payment
APR4.50%
Term60 Months
Last UpdatedApr 19, 2026
Details
2022 - NEWER
APR4.50%
Term72 months
Last UpdatedApr 19, 2026
Details
Riverfront Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.56%
New Car and Used Car Model Year 2021 and Newer
4.54%
0 to 36
▼
APR4.54%
Term0 to 36
Last UpdatedApr 18, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.55%
Up to 48 Months
▼
APR4.55%
TermUp to 48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
New 2026 Auto Loan
4.64%
36 Months
▼
APR4.64%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
New 2026 Auto Loans
4.64%
36 Months
▼
APR4.64%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
Used 2024 - 2025 Auto Loan
4.64%
36 Months
▼
APR4.64%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
Used 2024 - 2025 Auto Loans
4.64%
36 Months
▼
APR4.64%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
APR4.64%
Term49-60
Last UpdatedApr 19, 2026
Details
As Low As; 2024 & Older
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.65%
Up to 60 Months
▼
APR4.65%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.48%
New Vehicle Loan
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedApr 19, 2026
Details
Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.48%
Used Vehicle Loan
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedApr 19, 2026
Details
Some Restrictions Apply Vehicles 2017 or newer
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
New Auto Loans 24 Months A+
4.70%
24 Months
▼
APR4.70%
Term24 Months
Last UpdatedApr 17, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.70%
Up to 72 Months
▼
APR4.70%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Fayette County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Vehicles 2026, 2025, 2024
4.70%
36 Months
▼
APR4.70%
Term36 Months
Last UpdatedApr 18, 2026
Details
Allegheny Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
New Vehicle Loan
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As; Current Year + 2 Years
Tri State Rail Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
2021 - 2026 (<50,0000 miles) Vehicle Loan
4.74%
73 - 84
▼
APR4.74%
Term73 - 84
Last UpdatedApr 18, 2026
Details
United Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
New Automobile (2026 and 2025 Model Years)
4.74%
60 Mos
▼
APR4.74%
Term60 Mos
Last UpdatedApr 18, 2026
Details
As Low As
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Autos 2026 - 2024
4.74%
53 - 64 months
▼
APR4.74%
Term53 - 64 months
Last UpdatedApr 18, 2026
Details
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
New Auto Loans Model Years 2024-2026
4.74%
up to 60 months
▼
APR4.74%
Termup to 60 months
Last UpdatedApr 18, 2026
Details
APR4.74%
Term61-75
Last UpdatedApr 19, 2026
Details
As Low As; 2025 & newer
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.41%
New Vehicles
4.75%
61 to 72
▼
APR4.75%
Term61 to 72
Last UpdatedApr 17, 2026
Details
As Low As; $15,000 min
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
New Auto Loans 24 Months A
4.75%
24 Months
▼
APR4.75%
Term24 Months
Last UpdatedApr 17, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
New Car Loans
4.75%
Up to 5 and 6 years
▼
APR4.75%
TermUp to 5 and 6 years
Last UpdatedApr 18, 2026
Details
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
Used Car Loans 2024 - 2026 models
4.75%
5 & 6 years
▼
APR4.75%
Term5 & 6 years
Last UpdatedApr 18, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.75%
5 Months
▼
APR4.75%
Term5 Months
Last UpdatedApr 18, 2026
Details
As Low As; 5 YEAR REPAY
Visionary Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.88%
New Vehicle - 2025 and Newer
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles
4.75%
84 Months
▼
APR4.75%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
Altoona Area Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
Used Auto Loans
4.75%
Up to 60 months
▼
APR4.75%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details
Altoona Area Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
Used Auto Loans
4.75%
61-72 months
▼
APR4.75%
Term61-72 months
Last UpdatedApr 18, 2026
Details
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
Used Vehicles
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedApr 18, 2026
Details
APR4.75%
Term72 Months
Last UpdatedApr 19, 2026
Details
2022 - NEWER**
Riverfront Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.56%
New Car and Used Car Model Year 2021 and Newer
4.79%
37 to 66
▼
APR4.79%
Term37 to 66
Last UpdatedApr 18, 2026
Details
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
New 2026 Auto Loan
4.79%
48 Months
▼
APR4.79%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
New 2026 Auto Loans
4.79%
48 Months
▼
APR4.79%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
Used 2024 - 2025 Auto Loan
4.79%
48 Months
▼
APR4.79%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
Used 2024 - 2025 Auto Loans
4.79%
48 Months
▼
APR4.79%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
New Auto Loans 36 Months A+
4.80%
36 Months
▼
APR4.80%
Term36 Months
Last UpdatedApr 17, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.80%
Up to 84 Months
▼
APR4.80%
TermUp to 84 Months
Last UpdatedApr 18, 2026
Details
As Low As; Vehicle Model Years: 2022 or Newer
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
New Auto Loans 36 Months A
4.85%
36 Months
▼
APR4.85%
Term36 Months
Last UpdatedApr 17, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.85%
60 Months
▼
APR4.85%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Car 2027-2024 Model Year
4.87%
48 Months
▼
APR4.87%
Term48 Months
Last UpdatedApr 18, 2026
Details
Choice One Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.55%
Auto Loan
4.89%
84 Months
▼
APR4.89%
Term84 Months
Last UpdatedApr 17, 2026
Details
As Low As; With terms up to 84 Months; 110% Financing on Vehicles; *This rate includes the .25% discount for Auto Pay.
Choice One Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.55%
New Car Loan
4.89%
84 Months
▼
APR4.89%
Term84 Months
Last UpdatedApr 17, 2026
Details
As Low As; With terms up to 84 Months; 110% Financing on Vehicles; *This rate includes the .25% discount for Auto Pay.
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
Auto Loan
4.89%
48 Months
▼
APR4.89%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.48%
Used Vehicle Loan
4.89%
48 Months
▼
APR4.89%
Term48 Months
Last UpdatedApr 19, 2026
Details
Some Restrictions Apply Vehicles 2017 or newer
Diamond Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
Auto Loan
4.89%
72 Months
▼
APR4.89%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As; for loans up to 72 months, or 5.45% APR* for loans up to 84 months.
USX
Institution Rating:
A+5.0 ★ Texas Ratio: 5.49%
New and Used Vehicles Model years 2026-2025-2024-2023
4.89%
48 Months
▼
APR4.89%
Term48 Months
Last UpdatedApr 19, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
New Auto Loans 24 Months B
4.90%
24 Months
▼
APR4.90%
Term24 Months
Last UpdatedApr 17, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
New Auto Loans 48 Months A+
4.90%
48 Months
▼
APR4.90%
Term48 Months
Last UpdatedApr 17, 2026
Details
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
Used Car Loans 2014 - 2023 models
4.90%
4 years
▼
APR4.90%
Term4 years
Last UpdatedApr 18, 2026
Details
P&G Mehoopany Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
New and Used Auto Loan
4.90%
Up to 96 Months
▼
APR4.90%
TermUp to 96 Months
Last UpdatedApr 18, 2026
Details
Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.48%
New Vehicle Loan
4.90%
48 Months
▼
APR4.90%
Term48 Months
Last UpdatedApr 19, 2026
Details
APR4.94%
Term61-75
Last UpdatedApr 19, 2026
Details
As Low As; 2024 & Older
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
New Auto Loans 48 Months A
4.95%
48 Months
▼
APR4.95%
Term48 Months
Last UpdatedApr 17, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
New Auto Loans 63 Months A+
4.95%
63 Months
▼
APR4.95%
Term63 Months
Last UpdatedApr 17, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
Used Auto Loans
4.95%
24 Months
▼
APR4.95%
Term24 Months
Last UpdatedApr 17, 2026
Details
Credit Rating: A+
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.95%
Up to 72 Months
▼
APR4.95%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Bethlehem 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
New Vehicle
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedApr 17, 2026
Details
As Low As
Bethlehem 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
Used Vehicles (2019-2025)
4.99%
1-4 Years
▼
APR4.99%
Term1-4 Years
Last UpdatedApr 17, 2026
Details
As Low As
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.63%
New Vehicle Loans (2026-2025) †3 Years
4.99%
3 Months
▼
APR4.99%
Term3 Months
Last UpdatedApr 17, 2026
Details
As Low As
Multi-Schools Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.85%
New Car Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 17, 2026
Details
As Low As
Pennsylvania Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
Auto Loans
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedApr 17, 2026
Details
Low Rate
Top Tier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.44%
Auto Loan
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 17, 2026
Details
Intro rate expires: 3 month; Regular APR: 4.99%
Top Tier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.44%
New & Used Auto (2026-2023)
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As
Benchmark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Auto Loans - 2023-2026 MODEL YEAR
4.99%
2026 Mo
▼
APR4.99%
Term2026 Mo
Last UpdatedApr 17, 2026
Details
Upper Darby Bell Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
Used Car Loans (Model Year 2019 - 2025)
4.99%
24 months
▼
APR4.99%
Term24 months
Last UpdatedApr 17, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedApr 18, 2026
Details
750+
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedApr 18, 2026
Details
750+
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedApr 18, 2026
Details
750+
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedApr 18, 2026
Details
700 - 749
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
750 E King St, Lancaster, PA, 17602
New & Used Auto Loans
5.44%
1 - 63
▼
APR5.44%
Term1 - 63
Last UpdatedApr 19, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
750 E King St, Lancaster, PA, 17602
New & Used Auto Loans
5.64%
64 - 75
▼
APR5.64%
Term64 - 75
Last UpdatedApr 19, 2026
Details
As Low As
Eagle One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.26%
1400 Harrisburg Pike, Lancaster, PA, 17604 1000
New/Used Auto
5.75%
36 Months
▼
APR5.75%
Term36 Months
Last UpdatedApr 17, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
750 E King St, Lancaster, PA, 17602
New & Used Auto Loans
6.04%
76 - 84
▼
APR6.04%
Term76 - 84
Last UpdatedApr 19, 2026
Details
As Low As
Eagle One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.26%
1400 Harrisburg Pike, Lancaster, PA, 17604 1000
New/Used Auto
6.50%
60 Months
▼
APR6.50%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
6.50%
36 Months
▼
APR6.50%
Term36 Months
Last UpdatedApr 18, 2026
Details
650 - 699
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
6.75%
72 Months
▼
APR6.75%
Term72 Months
Last UpdatedApr 18, 2026
Details
650 - 699
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
7.00%
84 Months
▼
APR7.00%
Term84 Months
Last UpdatedApr 18, 2026
Details
650 - 699
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
750 E King St, Lancaster, PA, 17602
New & Used Auto Loans
7.04%
85 - 96
▼
APR7.04%
Term85 - 96
Last UpdatedApr 19, 2026
Details
As Low As
Eagle One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.26%
1400 Harrisburg Pike, Lancaster, PA, 17604 1000
New/Used Auto
7.75%
72 Months
▼
APR7.75%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As
Eagle One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.26%
1400 Harrisburg Pike, Lancaster, PA, 17604 1000
New/Used Auto
8.00%
84 Months
▼
APR8.00%
Term84 Months
Last UpdatedApr 17, 2026
Details
As Low As
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
8.50%
36 Months
▼
APR8.50%
Term36 Months
Last UpdatedApr 18, 2026
Details
600 - 649
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
8.75%
72 Months
▼
APR8.75%
Term72 Months
Last UpdatedApr 18, 2026
Details
600 - 649
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
9.00%
84 Months
▼
APR9.00%
Term84 Months
Last UpdatedApr 18, 2026
Details
600 - 649
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
11.50%
36 Months
▼
APR11.50%
Term36 Months
Last UpdatedApr 18, 2026
Details
599 & below
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
11.75%
72 Months
▼
APR11.75%
Term72 Months
Last UpdatedApr 18, 2026
Details
599 & below
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
12.00%
84 Months
▼
APR12.00%
Term84 Months
Last UpdatedApr 18, 2026
Details
599 & below
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
New Vehicles
2.75%
12 Months
▼
APR2.75%
Term12 Months
Last UpdatedApr 17, 2026
Details
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
New Autos | Never Titled
3.24%
Up to 40
▼
APR3.24%
TermUp to 40
Last UpdatedApr 18, 2026
Details
APR3.49%
Term36 Months
Last UpdatedApr 19, 2026
Details
Zero Down Payment
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.70%
Up to 36 Months
▼
APR3.70%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
As Low As; Vehicle Model Years: All Years**
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
New Autos | Never Titled
3.74%
41-52
▼
APR3.74%
Term41-52
Last UpdatedApr 18, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
As Low As
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New Vehicles
3.75%
84 Months
▼
APR3.75%
Term84 Months
Last UpdatedApr 18, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
New or Used Auto Loans
3.79%
36 Months
▼
APR3.79%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; APR is Annual Percentage Rate.
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.80%
Up to 48 Months
▼
APR3.80%
TermUp to 48 Months
Last UpdatedApr 18, 2026
Details
As Low As; Vehicle Model Years: All Years**
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.90%
Up to 60 Months
▼
APR3.90%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details
As Low As; Vehicle Model Years: All Years**
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.95%
Up to 36 Months
▼
APR3.95%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
As Low As; Vehicle Model Years: All Years**
Stanwood Area Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.48%
New Auto
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 17, 2026
Details
Citymark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
New Car
3.99%
96 months
▼
APR3.99%
Term96 months
Last UpdatedApr 18, 2026
Details
As Low As; (based on credit score)
UFCW Local 1776 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicles
3.99%
5 Months
▼
APR3.99%
Term5 Months
Last UpdatedApr 18, 2026
Details
As Low As; * For Qualified Buyer
Mountain Laurel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
New Vehicle (2025- 2026)
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
G.A.P. Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Vehicle (2026, 2025)
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedApr 17, 2026
Details
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Autos
4.00%
Up to 36 months
▼
APR4.00%
TermUp to 36 months
Last UpdatedApr 18, 2026
Details
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★
New Autos
4.00%
Up to 36 months
▼
APR4.00%
TermUp to 36 months
Last UpdatedApr 18, 2026
Details
APR4.00%
Term60 Months
Last UpdatedApr 19, 2026
Details
Zero Down Payment
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.05%
Up to 48 Months
▼
APR4.05%
TermUp to 48 Months
Last UpdatedApr 18, 2026
Details
As Low As; Vehicle Model Years: All Years**
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.15%
Up to 60 Months
▼
APR4.15%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details
As Low As; Vehicle Model Years: All Years**
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.15%
3 Months
▼
APR4.15%
Term3 Months
Last UpdatedApr 18, 2026
Details
As Low As; 3 YEAR REPAY
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.20%
Up to 72 Months
▼
APR4.20%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details
As Low As; Vehicle Model Years: 2020 or Newer**
Allegheny Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
New Vehicle Loan
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedApr 17, 2026
Details
As Low As; Current Year + 2 Years
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
New Autos | Never Titled
4.24%
53-64
▼
APR4.24%
Term53-64
Last UpdatedApr 18, 2026
Details
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Car 2027-2024 Model Year
4.24%
24 Months
▼
APR4.24%
Term24 Months
Last UpdatedApr 18, 2026
Details
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
New Car Loans
4.25%
Up to 3 years
▼
APR4.25%
TermUp to 3 years
Last UpdatedApr 18, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.25%
4 Months
▼
APR4.25%
Term4 Months
Last UpdatedApr 18, 2026
Details
As Low As; 4 YEAR REPAY
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Autos 2022 and newer
4.25%
Up to 36 months
▼
APR4.25%
TermUp to 36 months
Last UpdatedApr 18, 2026
Details
80-90% NADA retail
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★
Used Autos 2021 and newer
4.25%
Up to 36 months 80-90% NADA retail
▼
APR4.25%
TermUp to 36 months 80-90% NADA retail
Last UpdatedApr 18, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.30%
Up to 48 Months
▼
APR4.30%
TermUp to 48 Months
Last UpdatedApr 18, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.40%
Up to 60 Months
▼
APR4.40%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details
As Low As
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
NEW Auto Loan
4.40%
36 Months
▼
APR4.40%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.45%
Up to 72 Months
▼
APR4.45%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details
As Low As; Vehicle Model Years: 2020 or Newer**
Allegheny Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
New Vehicle Loan
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As; Current Year + 2 Years
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
New Autos | Never Titled
4.49%
65-76
▼
APR4.49%
Term65-76
Last UpdatedApr 18, 2026
Details
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Car 2027-2024 Model Year
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 18, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details
As Low As
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
New Vehicles
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 18, 2026
Details
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
New 2026 Auto Loan
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedApr 19, 2026
Details
As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
New 2026 Auto Loans
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedApr 19, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
Same rate on NEW or USED vehicles
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.41%
New Auto Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.41%
New Vehicles
4.50%
up to 60
▼
APR4.50%
Termup to 60
Last UpdatedApr 17, 2026
Details
As Low As; $5,000 min
Elliott Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
New Vehicle
4.50%
24 months
▼
APR4.50%
Term24 months
Last UpdatedApr 17, 2026
Details
As Low As
Locomotive And Control Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
New Vehicle Loan
4.50%
36 Month
▼
APR4.50%
Term36 Month
Last UpdatedApr 17, 2026
Details
G.A.P. Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Vehicle (2026, 2025)
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedApr 17, 2026
Details
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
New Car Loans
4.50%
Up to 4 years
▼
APR4.50%
TermUp to 4 years
Last UpdatedApr 18, 2026
Details
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Autos
4.50%
Up to 60 months
▼
APR4.50%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details
100% MSRP
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Autos 2022 and newer
4.50%
48 - 60 months
▼
APR4.50%
Term48 - 60 months
Last UpdatedApr 18, 2026
Details
80-90% NADA retail
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★
New Autos
4.50%
48 to 60 months 100% MSRP
▼
APR4.50%
Term48 to 60 months 100% MSRP
Last UpdatedApr 18, 2026
Details
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★
Used Autos 2021 and newer
4.50%
48 to 60 months 80-90% NADA retail
▼
APR4.50%
Term48 to 60 months 80-90% NADA retail
Last UpdatedApr 18, 2026
Details
Alcose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Vehicles 2025 - 2026
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; Up to 48 Months with an APR*
APR4.50%
Term72 Months
Last UpdatedApr 19, 2026
Details
Zero Down Payment
APR4.50%
Term72 months
Last UpdatedApr 19, 2026
Details
Riverfront Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.56%
New Car and Used Car Model Year 2021 and Newer
4.54%
0 to 36
▼
APR4.54%
Term0 to 36
Last UpdatedApr 18, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.55%
Up to 48 Months
▼
APR4.55%
TermUp to 48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
New 2026 Auto Loan
4.64%
36 Months
▼
APR4.64%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
New 2026 Auto Loans
4.64%
36 Months
▼
APR4.64%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.65%
Up to 60 Months
▼
APR4.65%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.48%
New Vehicle Loan
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedApr 19, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
New Auto Loans 24 Months A+
4.70%
24 Months
▼
APR4.70%
Term24 Months
Last UpdatedApr 17, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.70%
Up to 72 Months
▼
APR4.70%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Fayette County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Vehicles 2026, 2025, 2024
4.70%
36 Months
▼
APR4.70%
Term36 Months
Last UpdatedApr 18, 2026
Details
Allegheny Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
New Vehicle Loan
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As; Current Year + 2 Years
United Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
New Automobile (2026 and 2025 Model Years)
4.74%
60 Mos
▼
APR4.74%
Term60 Mos
Last UpdatedApr 18, 2026
Details
As Low As
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
New Auto Loans Model Years 2024-2026
4.74%
up to 60 months
▼
APR4.74%
Termup to 60 months
Last UpdatedApr 18, 2026
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.41%
New Vehicles
4.75%
61 to 72
▼
APR4.75%
Term61 to 72
Last UpdatedApr 17, 2026
Details
As Low As; $15,000 min
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
New Auto Loans 24 Months A
4.75%
24 Months
▼
APR4.75%
Term24 Months
Last UpdatedApr 17, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
New Car Loans
4.75%
Up to 5 and 6 years
▼
APR4.75%
TermUp to 5 and 6 years
Last UpdatedApr 18, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.75%
5 Months
▼
APR4.75%
Term5 Months
Last UpdatedApr 18, 2026
Details
As Low As; 5 YEAR REPAY
Visionary Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.88%
New Vehicle - 2025 and Newer
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles
4.75%
84 Months
▼
APR4.75%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
Riverfront Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.56%
New Car and Used Car Model Year 2021 and Newer
4.79%
37 to 66
▼
APR4.79%
Term37 to 66
Last UpdatedApr 18, 2026
Details
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
New 2026 Auto Loan
4.79%
48 Months
▼
APR4.79%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
New 2026 Auto Loans
4.79%
48 Months
▼
APR4.79%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
New Auto Loans 36 Months A+
4.80%
36 Months
▼
APR4.80%
Term36 Months
Last UpdatedApr 17, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.80%
Up to 84 Months
▼
APR4.80%
TermUp to 84 Months
Last UpdatedApr 18, 2026
Details
As Low As; Vehicle Model Years: 2022 or Newer
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
New Auto Loans 36 Months A
4.85%
36 Months
▼
APR4.85%
Term36 Months
Last UpdatedApr 17, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.85%
60 Months
▼
APR4.85%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Car 2027-2024 Model Year
4.87%
48 Months
▼
APR4.87%
Term48 Months
Last UpdatedApr 18, 2026
Details
Choice One Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.55%
New Car Loan
4.89%
84 Months
▼
APR4.89%
Term84 Months
Last UpdatedApr 17, 2026
Details
As Low As; With terms up to 84 Months; 110% Financing on Vehicles; *This rate includes the .25% discount for Auto Pay.
USX
Institution Rating:
A+5.0 ★ Texas Ratio: 5.49%
New and Used Vehicles Model years 2026-2025-2024-2023
4.89%
48 Months
▼
APR4.89%
Term48 Months
Last UpdatedApr 19, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
New Auto Loans 24 Months B
4.90%
24 Months
▼
APR4.90%
Term24 Months
Last UpdatedApr 17, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
New Auto Loans 48 Months A+
4.90%
48 Months
▼
APR4.90%
Term48 Months
Last UpdatedApr 17, 2026
Details
P&G Mehoopany Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
New and Used Auto Loan
4.90%
Up to 96 Months
▼
APR4.90%
TermUp to 96 Months
Last UpdatedApr 18, 2026
Details
Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.48%
New Vehicle Loan
4.90%
48 Months
▼
APR4.90%
Term48 Months
Last UpdatedApr 19, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
New Auto Loans 48 Months A
4.95%
48 Months
▼
APR4.95%
Term48 Months
Last UpdatedApr 17, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
New Auto Loans 63 Months A+
4.95%
63 Months
▼
APR4.95%
Term63 Months
Last UpdatedApr 17, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.95%
Up to 72 Months
▼
APR4.95%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Bethlehem 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
New Vehicle
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedApr 17, 2026
Details
As Low As
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.63%
New Vehicle Loans (2026-2025) †3 Years
4.99%
3 Months
▼
APR4.99%
Term3 Months
Last UpdatedApr 17, 2026
Details
As Low As
Multi-Schools Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.85%
New Car Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 17, 2026
Details
As Low As
Top Tier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.44%
New & Used Auto (2026-2023)
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedApr 18, 2026
Details
750+
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedApr 18, 2026
Details
750+
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
Used Auto Loans (2019 and Older)
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedApr 18, 2026
Details
FICO Score 750+
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedApr 18, 2026
Details
750+
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
Used Auto Loans (2019 and Older)
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedApr 18, 2026
Details
FICO Score 750+
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedApr 18, 2026
Details
700 - 749
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
Used Auto Loans (2019 and Older)
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedApr 18, 2026
Details
FICO Score 750+
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
750 E King St, Lancaster, PA, 17602
New & Used Auto Loans
5.44%
1 - 63
▼
APR5.44%
Term1 - 63
Last UpdatedApr 19, 2026
Details
As Low As
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
Used Auto Loans (2019 and Older)
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedApr 18, 2026
Details
FICO Score 700 - 749
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
750 E King St, Lancaster, PA, 17602
New & Used Auto Loans
5.64%
64 - 75
▼
APR5.64%
Term64 - 75
Last UpdatedApr 19, 2026
Details
As Low As
Eagle One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.26%
1400 Harrisburg Pike, Lancaster, PA, 17604 1000
New/Used Auto
5.75%
36 Months
▼
APR5.75%
Term36 Months
Last UpdatedApr 17, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
750 E King St, Lancaster, PA, 17602
New & Used Auto Loans
6.04%
76 - 84
▼
APR6.04%
Term76 - 84
Last UpdatedApr 19, 2026
Details
As Low As
Eagle One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.26%
1400 Harrisburg Pike, Lancaster, PA, 17604 1000
New/Used Auto
6.50%
60 Months
▼
APR6.50%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
6.50%
36 Months
▼
APR6.50%
Term36 Months
Last UpdatedApr 18, 2026
Details
650 - 699
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
6.75%
72 Months
▼
APR6.75%
Term72 Months
Last UpdatedApr 18, 2026
Details
650 - 699
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
Used Auto Loans (2019 and Older)
6.75%
36 Months
▼
APR6.75%
Term36 Months
Last UpdatedApr 18, 2026
Details
FICO Score 650 - 699
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
7.00%
84 Months
▼
APR7.00%
Term84 Months
Last UpdatedApr 18, 2026
Details
650 - 699
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
Used Auto Loans (2019 and Older)
7.00%
48 Months
▼
APR7.00%
Term48 Months
Last UpdatedApr 18, 2026
Details
FICO Score 650 - 699
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
750 E King St, Lancaster, PA, 17602
New & Used Auto Loans
7.04%
85 - 96
▼
APR7.04%
Term85 - 96
Last UpdatedApr 19, 2026
Details
As Low As
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
Used Auto Loans (2019 and Older)
7.25%
60 Months
▼
APR7.25%
Term60 Months
Last UpdatedApr 18, 2026
Details
FICO Score 650 - 699
Eagle One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.26%
1400 Harrisburg Pike, Lancaster, PA, 17604 1000
New/Used Auto
7.75%
72 Months
▼
APR7.75%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As
Eagle One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.26%
1400 Harrisburg Pike, Lancaster, PA, 17604 1000
New/Used Auto
8.00%
84 Months
▼
APR8.00%
Term84 Months
Last UpdatedApr 17, 2026
Details
As Low As
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
8.50%
36 Months
▼
APR8.50%
Term36 Months
Last UpdatedApr 18, 2026
Details
600 - 649
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
8.75%
72 Months
▼
APR8.75%
Term72 Months
Last UpdatedApr 18, 2026
Details
600 - 649
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
Used Auto Loans (2019 and Older)
8.75%
36 Months
▼
APR8.75%
Term36 Months
Last UpdatedApr 18, 2026
Details
FICO Score 600 - 649
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
9.00%
84 Months
▼
APR9.00%
Term84 Months
Last UpdatedApr 18, 2026
Details
600 - 649
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
Used Auto Loans (2019 and Older)
9.00%
48 Months
▼
APR9.00%
Term48 Months
Last UpdatedApr 18, 2026
Details
FICO Score 600 - 649
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
Used Auto Loans (2019 and Older)
9.25%
60 Months
▼
APR9.25%
Term60 Months
Last UpdatedApr 18, 2026
Details
FICO Score 600 - 649
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
11.50%
36 Months
▼
APR11.50%
Term36 Months
Last UpdatedApr 18, 2026
Details
599 & below
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
11.75%
72 Months
▼
APR11.75%
Term72 Months
Last UpdatedApr 18, 2026
Details
599 & below
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
Used Auto Loans (2019 and Older)
11.75%
36 Months
▼
APR11.75%
Term36 Months
Last UpdatedApr 18, 2026
Details
FICO Score 599 & below
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
12.00%
84 Months
▼
APR12.00%
Term84 Months
Last UpdatedApr 18, 2026
Details
599 & below
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
Used Auto Loans (2019 and Older)
12.00%
48 Months
▼
APR12.00%
Term48 Months
Last UpdatedApr 18, 2026
Details
FICO Score 599 & below
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
50 N Duke St, Lancaster, PA, 17602 2805
Used Auto Loans (2019 and Older)
12.25%
60 Months
▼
APR12.25%
Term60 Months
Last UpdatedApr 18, 2026
Details
FICO Score 599 & below
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Autos 2026 - 2024
3.49%
Up to 40 Months
▼
APR3.49%
TermUp to 40 Months
Last UpdatedApr 18, 2026
Details
APR3.49%
Term36 Months
Last UpdatedApr 19, 2026
Details
2016-2019
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.70%
Up to 36 Months
▼
APR3.70%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
As Low As; Vehicle Model Years: All Years**
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
Used Vehicles - (3-4 Years Old) JD Power Book Price - 90% Financed
3.75%
12 Months
▼
APR3.75%
Term12 Months
Last UpdatedApr 17, 2026
Details
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
Used Vehicles - (5 Years & Older) JD Power Book Price - 85% Financed
3.75%
12 Months
▼
APR3.75%
Term12 Months
Last UpdatedApr 17, 2026
Details
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
Used Vehicles - Up To 2 Years Old - 100% Financed
3.75%
12 Months
▼
APR3.75%
Term12 Months
Last UpdatedApr 17, 2026
Details
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
New or Used Auto Loans
3.79%
36 Months
▼
APR3.79%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; APR is Annual Percentage Rate.
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.80%
Up to 48 Months
▼
APR3.80%
TermUp to 48 Months
Last UpdatedApr 18, 2026
Details
As Low As; Vehicle Model Years: All Years**
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.90%
Up to 60 Months
▼
APR3.90%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details
As Low As; Vehicle Model Years: All Years**
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.95%
Up to 36 Months
▼
APR3.95%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
As Low As; Vehicle Model Years: All Years**
Citymark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
Used Car
3.99%
96 Months
▼
APR3.99%
Term96 Months
Last UpdatedApr 18, 2026
Details
As Low As; (based on credit score)
Mountain Laurel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
Used Vehicle (2018 - 2025)
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.05%
Up to 48 Months
▼
APR4.05%
TermUp to 48 Months
Last UpdatedApr 18, 2026
Details
As Low As; Vehicle Model Years: All Years**
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.15%
Up to 60 Months
▼
APR4.15%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details
As Low As; Vehicle Model Years: All Years**
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.15%
3 Months
▼
APR4.15%
Term3 Months
Last UpdatedApr 18, 2026
Details
As Low As; 3 YEAR REPAY
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.20%
Up to 72 Months
▼
APR4.20%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details
As Low As; Vehicle Model Years: 2020 or Newer**
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Car 2027-2024 Model Year
4.24%
24 Months
▼
APR4.24%
Term24 Months
Last UpdatedApr 18, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
As Low As
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
Used Car Loans 2024 - 2026 models
4.25%
3 years
▼
APR4.25%
Term3 years
Last UpdatedApr 18, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.25%
4 Months
▼
APR4.25%
Term4 Months
Last UpdatedApr 18, 2026
Details
As Low As; 4 YEAR REPAY
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Autos 2022 and newer
4.25%
Up to 36 months
▼
APR4.25%
TermUp to 36 months
Last UpdatedApr 18, 2026
Details
80-90% NADA retail
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★
Used Autos 2021 and newer
4.25%
Up to 36 months 80-90% NADA retail
▼
APR4.25%
TermUp to 36 months 80-90% NADA retail
Last UpdatedApr 18, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.30%
Up to 48 Months
▼
APR4.30%
TermUp to 48 Months
Last UpdatedApr 18, 2026
Details
As Low As
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Autos 2026 - 2024
4.37%
41 - 52 months
▼
APR4.37%
Term41 - 52 months
Last UpdatedApr 18, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.40%
Up to 60 Months
▼
APR4.40%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.45%
Up to 72 Months
▼
APR4.45%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details
As Low As; Vehicle Model Years: 2020 or Newer**
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Autos
4.49%
Up to 52
▼
APR4.49%
TermUp to 52
Last UpdatedApr 18, 2026
Details
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Car 2027-2024 Model Year
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 18, 2026
Details
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
Used 2024 - 2025 Auto Loan
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedApr 19, 2026
Details
As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
Used 2024 - 2025 Auto Loans
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedApr 19, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
Same rate on NEW or USED vehicles
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
Used Car Loans 2024 - 2026 models
4.50%
4 years
▼
APR4.50%
Term4 years
Last UpdatedApr 18, 2026
Details
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Autos 2022 and newer
4.50%
48 - 60 months
▼
APR4.50%
Term48 - 60 months
Last UpdatedApr 18, 2026
Details
80-90% NADA retail
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★
Used Autos 2021 and newer
4.50%
48 to 60 months 80-90% NADA retail
▼
APR4.50%
Term48 to 60 months 80-90% NADA retail
Last UpdatedApr 18, 2026
Details
APR4.50%
Term60 Months
Last UpdatedApr 19, 2026
Details
2022 - NEWER
Riverfront Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.56%
New Car and Used Car Model Year 2021 and Newer
4.54%
0 to 36
▼
APR4.54%
Term0 to 36
Last UpdatedApr 18, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.55%
Up to 48 Months
▼
APR4.55%
TermUp to 48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
Used 2024 - 2025 Auto Loan
4.64%
36 Months
▼
APR4.64%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
Used 2024 - 2025 Auto Loans
4.64%
36 Months
▼
APR4.64%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.65%
Up to 60 Months
▼
APR4.65%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.48%
Used Vehicle Loan
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedApr 19, 2026
Details
Some Restrictions Apply Vehicles 2017 or newer
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.70%
Up to 72 Months
▼
APR4.70%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Fayette County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Vehicles 2026, 2025, 2024
4.70%
36 Months
▼
APR4.70%
Term36 Months
Last UpdatedApr 18, 2026
Details
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Autos 2026 - 2024
4.74%
53 - 64 months
▼
APR4.74%
Term53 - 64 months
Last UpdatedApr 18, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
Used Car Loans 2024 - 2026 models
4.75%
5 & 6 years
▼
APR4.75%
Term5 & 6 years
Last UpdatedApr 18, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.75%
5 Months
▼
APR4.75%
Term5 Months
Last UpdatedApr 18, 2026
Details
As Low As; 5 YEAR REPAY
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles
4.75%
84 Months
▼
APR4.75%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
Altoona Area Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
Used Auto Loans
4.75%
Up to 60 months
▼
APR4.75%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details
Altoona Area Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
Used Auto Loans
4.75%
61-72 months
▼
APR4.75%
Term61-72 months
Last UpdatedApr 18, 2026
Details
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
Used Vehicles
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedApr 18, 2026
Details
APR4.75%
Term72 Months
Last UpdatedApr 19, 2026
Details
2022 - NEWER**
Riverfront Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.56%
New Car and Used Car Model Year 2021 and Newer
4.79%
37 to 66
▼
APR4.79%
Term37 to 66
Last UpdatedApr 18, 2026
Details
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
Used 2024 - 2025 Auto Loan
4.79%
48 Months
▼
APR4.79%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
Used 2024 - 2025 Auto Loans
4.79%
48 Months
▼
APR4.79%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.80%
Up to 84 Months
▼
APR4.80%
TermUp to 84 Months
Last UpdatedApr 18, 2026
Details
As Low As; Vehicle Model Years: 2022 or Newer
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.85%
60 Months
▼
APR4.85%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Car 2027-2024 Model Year
4.87%
48 Months
▼
APR4.87%
Term48 Months
Last UpdatedApr 18, 2026
Details
Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.48%
Used Vehicle Loan
4.89%
48 Months
▼
APR4.89%
Term48 Months
Last UpdatedApr 19, 2026
Details
Some Restrictions Apply Vehicles 2017 or newer
USX
Institution Rating:
A+5.0 ★ Texas Ratio: 5.49%
New and Used Vehicles Model years 2026-2025-2024-2023
4.89%
48 Months
▼
APR4.89%
Term48 Months
Last UpdatedApr 19, 2026
Details
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
Used Car Loans 2014 - 2023 models
4.90%
4 years
▼
APR4.90%
Term4 years
Last UpdatedApr 18, 2026
Details
P&G Mehoopany Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
New and Used Auto Loan
4.90%
Up to 96 Months
▼
APR4.90%
TermUp to 96 Months
Last UpdatedApr 18, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
Used Auto Loans
4.95%
24 Months
▼
APR4.95%
Term24 Months
Last UpdatedApr 17, 2026
Details
Credit Rating: A+
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.95%
Up to 72 Months
▼
APR4.95%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Bethlehem 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
Used Vehicles (2019-2025)
4.99%
1-4 Years
▼
APR4.99%
Term1-4 Years
Last UpdatedApr 17, 2026
Details
As Low As
Top Tier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.44%
New & Used Auto (2026-2023)
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As
Upper Darby Bell Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
Used Car Loans (Model Year 2019 - 2025)
4.99%
24 months
▼
APR4.99%
Term24 months
Last UpdatedApr 17, 2026
Details
As Low As
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MonitorBankRates
Lancaster, PA Auto Loan Rate Trends
Compare local Lancaster, 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.
New Auto Loan — PA Avg
5.607%
▼ 0.302 vs 7 days ago
Pennsylvania new auto rates fell 0.302 points over the past 7 days to 5.607% APR.
Used Auto Loan — PA Avg
7.684%
▲ 0.171 vs 7 days ago
Pennsylvania used auto rates rose 0.171 points over the past 7 days to 7.684% APR.
As of Apr 23, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in Lancaster, 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 Lancaster, 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 Lancaster, Pennsylvania typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
What are the best Auto Loan rates in Lancaster, Pennsylvania?
Based on our current data, some of the lowest auto loan rates available in Lancaster, Pennsylvania include:
- Lancaster Red Rose Credit Union: 4.50% (New & Used Auto Loans (2020 and Newer))
- Pennsylvania State Employees Credit Union: 4.69% (Auto Loan Refinance)
- Members 1st Federal Credit Union Enola, PA: 4.94% (Auto Loan 12 Months)
- Eagle One Federal Credit Union: 5.75% (New/Used Auto)
- Corner Post Federal Credit Union: 2.75% (New Vehicles)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Lancaster, Pennsylvania. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 19, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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