Auto Loan Rates in New Philadelphia, Pennsylvania (PA) for July 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 New Philadelphia, Pennsylvania. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in New Philadelphia, Pennsylvania include United Federal Credit UnionUnited Federal Credit UnionA+5.0 ★Texas Ratio: 3.13% offering Auto Loan at 2.99%, First Choice Federal Credit UnionFirst Choice Federal Credit UnionA+5.0 ★Texas Ratio: 4.93% offering New Autos | Never Titled at 3.24%, Corner Post Federal Credit UnionCorner Post Federal Credit UnionA+5.0 ★Texas Ratio: 0.75% offering New Vehicles 12 mos. Loan at 3.25%, American Airlines Federal Credit UnionAmerican Airlines Federal Credit UnionA+5.0 ★Texas Ratio: 2.51% offering New Auto at 3.34%, VANTAGE TRUSTVANTAGE TRUSTA+5.0 ★Texas Ratio: 8.57% offering New Vehicle Loan at 3.49%. Auto loan rates as of July 16, 2026 according to verified data from MonitorBankRates.
New Philadelphia borrowers have access to 58 lenders serving the Pennsylvania area, with auto loan rates as low as 2.99% APR from United Federal Credit Union. 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 New Philadelphia, Pennsylvania. Auto Loan Rates Last Updated and Verified: July 16, 2026
Compare Auto Loan Rates Today in New Philadelphia, Pennsylvania & Surrounding Area
New Philadelphia Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Auto Loan
2.99%
36 months
▼
APR2.99%
Term36 months
Last UpdatedJul 15, 2026
Details
Limited-time offer. Save on a new or refinanced vehicle this summer with rates starting as low as 2.99% APR for 36 months with autopay from a United checking account.
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
2.99%
Up to 36 Months
▼
APR2.99%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New Autos | Never Titled
3.24%
Up to 40 months
▼
APR3.24%
TermUp to 40 months
Last UpdatedJul 15, 2026
Details
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
New Vehicles 12 mos. Loan
3.25%
12 mos.
▼
APR3.25%
Term12 mos.
Last UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
New Vehicles 24 mos. Loan
3.25%
24 mos.
▼
APR3.25%
Term24 mos.
Last UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
New Vehicles Loan
3.25%
12 mos.
▼
APR3.25%
Term12 mos.
Last UpdatedJul 6, 2026
Details
APR*
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
3.34%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
Used Autos
3.49%
Up to 40 Months
▼
APR3.49%
TermUp to 40 Months
Last UpdatedJul 15, 2026
Details
VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 8.57%
New Vehicle Loan
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedJul 16, 2026
Details
Zero Down Payment
VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 8.57%
Used Vehicle Loan
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedJul 16, 2026
Details
2016-2019
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
New Vehicles 36 mos. Loan
3.50%
36 mos.
▼
APR3.50%
Term36 mos.
Last UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
New Vehicles Loan
3.50%
36 mos.
▼
APR3.50%
Term36 mos.
Last UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Used Vehicles - (3-4 Years Old) JD Power Book Price - 90% Financed Loan
3.50%
12 mos.
▼
APR3.50%
Term12 mos.
Last UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Used Vehicles - (5 Years & Older) JD Power Book Price - 85% Financed Loan
3.50%
12 mos.
▼
APR3.50%
Term12 mos.
Last UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Used Vehicles - Up To 2 Years Old - 100% Financed Loan
3.50%
12 mos.
▼
APR3.50%
Term12 mos.
Last UpdatedJul 6, 2026
Details
APR*
UFCW COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
New Vehicle Loans
3.70%
Up to 84 months
▼
APR3.70%
TermUp to 84 months
Last UpdatedJul 16, 2026
Details
As Low As
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New Autos | Never Titled
3.74%
41-52 months
▼
APR3.74%
Term41-52 months
Last UpdatedJul 15, 2026
Details
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
New Vehicles 48 mos. Loan
3.75%
48 mos.
▼
APR3.75%
Term48 mos.
Last UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
New Vehicles Loan
3.75%
48 mos.
▼
APR3.75%
Term48 mos.
Last UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Used Vehicles - (3-4 Years Old) JD Power Book Price - 90% Financed Loan
3.75%
24 mos.
▼
APR3.75%
Term24 mos.
Last UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Used Vehicles - (5 Years & Older) JD Power Book Price - 85% Financed Loan
3.75%
24 mos.
▼
APR3.75%
Term24 mos.
Last UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Used Vehicles - Up To 2 Years Old - 100% Financed Loan
3.75%
24 mos.
▼
APR3.75%
Term24 mos.
Last UpdatedJul 6, 2026
Details
APR*
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles Loan
3.75%
48 months
▼
APR3.75%
Term48 months
Last UpdatedJul 15, 2026
Details
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New Vehicles Loan
3.75%
up to 84 Months
▼
APR3.75%
Termup to 84 Months
Last UpdatedJul 15, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
UFCW LOCAL 23
Institution Rating:
A+5.0 ★ Texas Ratio: 5.17%
New Auto 2025-2024
3.90%
6 years
▼
APR3.90%
Term6 years
Last UpdatedJul 16, 2026
Details
Stanwood Area Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
New Auto
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedJul 6, 2026
Details
UFCW Local 1776 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicles Loan
3.99%
5 Years
▼
APR3.99%
Term5 Years
Last UpdatedJul 15, 2026
Details
As Low As;*
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
New Auto Loan
3.99%
up to 60 months
▼
APR3.99%
Termup to 60 months
Last UpdatedJul 15, 2026
Details
Model Years 2024-2026; *
Citymark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
New Car Loan
3.99%
Up to 96 months
▼
APR3.99%
TermUp to 96 months
Last UpdatedJul 15, 2026
Details
As Low As; (based on credit score)
Citymark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
Used Car Loan
3.99%
Up to 96 months
▼
APR3.99%
TermUp to 96 months
Last UpdatedJul 15, 2026
Details
As low as; (based on credit score)
Freedom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Auto Loan
3.99%
1 - 66 mos.
▼
APR3.99%
Term1 - 66 mos.
Last UpdatedJul 16, 2026
Details
APR* As Low As
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
New Vehicles 60 mos. Loan
4.00%
60 mos.
▼
APR4.00%
Term60 mos.
Last UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
New Vehicles Loan
4.00%
60 mos.
▼
APR4.00%
Term60 mos.
Last UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Used Vehicles - (3-4 Years Old) JD Power Book Price - 90% Financed Loan
4.00%
36 mos.
▼
APR4.00%
Term36 mos.
Last UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Used Vehicles - (5 Years & Older) JD Power Book Price - 85% Financed Loan
4.00%
36 mos.
▼
APR4.00%
Term36 mos.
Last UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Used Vehicles - Up To 2 Years Old - 100% Financed Loan
4.00%
36 mos.
▼
APR4.00%
Term36 mos.
Last UpdatedJul 6, 2026
Details
APR*
G.A.P. Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.65%
New Vehicle (2026, 2025) Loan
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedJul 6, 2026
Details
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles Loan
4.00%
60 months
▼
APR4.00%
Term60 months
Last UpdatedJul 15, 2026
Details
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Autos
4.00%
Up to 36 months
▼
APR4.00%
TermUp to 36 months
Last UpdatedJul 15, 2026
Details
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Autos
4.00%
Up to 36 months
▼
APR4.00%
TermUp to 36 months
Last UpdatedJul 16, 2026
Details
VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 8.57%
New Vehicle Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedJul 16, 2026
Details
Zero Down Payment
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
4.09%
Up to 60 months
▼
APR4.09%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
4.15%
Up to 48 Months
▼
APR4.15%
TermUp to 48 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
New or Used Vehicles Loan
4.15%
3 YEAR REPAY
▼
APR4.15%
Term3 YEAR REPAY
Last UpdatedJul 15, 2026
Details
As Low As; New or Used Vehicles
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New Autos | Never Titled
4.24%
53-64 months
▼
APR4.24%
Term53-64 months
Last UpdatedJul 15, 2026
Details
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Car 2027-2024 Model Year Loan
4.24%
24 months
▼
APR4.24%
Term24 months
Last UpdatedJul 15, 2026
Details
Min. value of car $15,000
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
New Auto Loan
4.24%
72 months
▼
APR4.24%
Term72 months
Last UpdatedJul 15, 2026
Details
Model Years 2024-2026; *
Utilities Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.55%
Auto Loan
4.24%
up to 36 Months
▼
APR4.24%
Termup to 36 Months
Last UpdatedJul 16, 2026
Details
As Low As; Lowest rates are for qualified applicants and dependent on opening and maintaining an active UECU Checking Account (excluding Green Light CheckingTM) with at least one transaction per month. Rates will vary based on an evaluation of credit, term, loan to value, and/or collateral evaluation if applicable. Not all applicants will quality. Actual rate may differ. Share Secured Loan is 100% secured by funds in your share savings account. Other fees, terms, and conditions may apply for each loan type. Information provided herein is subject to change without notice.
Utilities Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.55%
Auto Loans
4.24%
36-month
▼
APR4.24%
Term36-month
Last UpdatedJul 16, 2026
Details
As Low As; APR=Annual Percentage Rate. UECU's lowest auto loan rate of 4.24% APR is based upon an evaluation of credit worthiness criteria and maintaining an active UECU Checking Account (excluding Green Light CheckingTM) with at least one transaction per month. Rate quoted for a 36-month term; your actual rate may differ. Limited time offer. Offer is subject to change without notice. Rate quoted is for new loans only; refinancing of existing UECU auto loans are not eligible. Certain auto model year and term restrictions apply.
APR4.24%
TermUp to 48 Months
Last UpdatedJul 16, 2026
Details
As Low As; 2025 & newer
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
New Vehicles 72 mos. Loan
4.25%
72 mos.
▼
APR4.25%
Term72 mos.
Last UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
New Vehicles Loan
4.25%
72 mos.
▼
APR4.25%
Term72 mos.
Last UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Used Vehicles - (3-4 Years Old) JD Power Book Price - 90% Financed Loan
4.25%
48 mos.
▼
APR4.25%
Term48 mos.
Last UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Used Vehicles - Up To 2 Years Old - 100% Financed Loan
4.25%
48 mos.
▼
APR4.25%
Term48 mos.
Last UpdatedJul 6, 2026
Details
APR*
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
New Car Loans
4.25%
Up to 3 years
▼
APR4.25%
TermUp to 3 years
Last UpdatedJul 15, 2026
Details
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
Used Car Loans 2024 - 2026 models
4.25%
3 years
▼
APR4.25%
Term3 years
Last UpdatedJul 15, 2026
Details
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles Loan
4.25%
72 months
▼
APR4.25%
Term72 months
Last UpdatedJul 15, 2026
Details
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Autos 2022 and newer
4.25%
Up to 36 months
▼
APR4.25%
TermUp to 36 months
Last UpdatedJul 15, 2026
Details
80-90% NADA retail
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
New or Used Vehicles Loan
4.25%
4 YEAR REPAY
▼
APR4.25%
Term4 YEAR REPAY
Last UpdatedJul 15, 2026
Details
As Low As; New or Used Vehicles
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Autos 2021 and newer
4.25%
Up to 36 months 80-90% NADA retail
▼
APR4.25%
TermUp to 36 months 80-90% NADA retail
Last UpdatedJul 16, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
New / Used Car, Truck, SUV Loan (2021 - 2026)
4.29%
36 Months
▼
APR4.29%
Term36 Months
Last UpdatedJul 15, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
New / Used vehicle 2021-2026 Loan
4.29%
36-60 months
▼
APR4.29%
Term36-60 months
Last UpdatedJul 15, 2026
Details
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
Used Autos
4.37%
41 - 52 months
▼
APR4.37%
Term41 - 52 months
Last UpdatedJul 15, 2026
Details
Choice One Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.18%
New Car Loan
4.39%
Up to 84 Months
▼
APR4.39%
TermUp to 84 Months
Last UpdatedJul 6, 2026
Details
As Low As; This rate includes the .25% discount for Auto Pay.
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
4.40%
Up to 60 Months
▼
APR4.40%
TermUp to 60 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
NEW Auto Loan
4.40%
Up to 36 months
▼
APR4.40%
TermUp to 36 months
Last UpdatedJul 15, 2026
Details
As Low As
APR4.44%
TermUp to 48 Months
Last UpdatedJul 16, 2026
Details
As Low As; 2022 - 2024
Top Tier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.18%
Auto Loan Summer Special
4.49%
Up to 72 months
▼
APR4.49%
TermUp to 72 months
Last UpdatedJul 6, 2026
Details
As Low As; Up to 110% Financing
Top Tier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.18%
New & Used Auto
4.49%
Up to 72 months
▼
APR4.49%
TermUp to 72 months
Last UpdatedJul 6, 2026
Details
As Low As; New & Used Auto (2026-2023)
Choice One Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.18%
Auto Loan
4.49%
Up to 84 months
▼
APR4.49%
TermUp to 84 months
Last UpdatedJul 6, 2026
Details
As Low As; This rate includes the .25% discount with Auto Pay.
Choice One Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.18%
New and Used Car Loans
4.49%
Up to 84 months
▼
APR4.49%
TermUp to 84 months
Last UpdatedJul 6, 2026
Details
As Low As; This rate includes the .25% discount with Auto Pay.
Franklin Johnstown Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
New Vehicle Loan
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedJul 15, 2026
Details
As Low As; New 2026 & 2025 (Includes motorcycles)
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New Autos | Never Titled
4.49%
65-76 months
▼
APR4.49%
Term65-76 months
Last UpdatedJul 15, 2026
Details
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
Used Autos
4.49%
Up to 52 months
▼
APR4.49%
TermUp to 52 months
Last UpdatedJul 15, 2026
Details
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Car 2027-2024 Model Year Loan
4.49%
36 months
▼
APR4.49%
Term36 months
Last UpdatedJul 15, 2026
Details
Min. value of car $15,000
Westmoreland Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.14%
New Vehicles Loan
4.49%
36 months
▼
APR4.49%
Term36 months
Last UpdatedJul 15, 2026
Details
As low as 4.49%
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
New / Used Car, Truck, SUV Loan (2021 - 2026)
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedJul 15, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
New / Used vehicle 2020 & older Loan
4.49%
36-48 months
▼
APR4.49%
Term36-48 months
Last UpdatedJul 15, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
New / Used vehicle 2021-2026 Loan
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedJul 15, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
Used Car, Truck, SUV Loans (2020 & older)
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedJul 15, 2026
Details
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
New Auto Loan
4.49%
84 months
▼
APR4.49%
Term84 months
Last UpdatedJul 15, 2026
Details
Model Years 2024-2026; *
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
Used Auto Loan
4.49%
up to 60 months
▼
APR4.49%
Termup to 60 months
Last UpdatedJul 15, 2026
Details
Model Years 2021-2023; *
Central Susquehanna Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle Loan
4.49%
Up to 48 Months
▼
APR4.49%
TermUp to 48 Months
Last UpdatedJul 15, 2026
Details
Motorcycle, ATC, UTV, camper, boat, trailer and snowmobiles add 1.00% to rate.
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
New Vehicles Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedJul 15, 2026
Details
Freedom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Auto Loan
4.49%
67 - 75 mos.
▼
APR4.49%
Term67 - 75 mos.
Last UpdatedJul 16, 2026
Details
APR* As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
New 2026 Auto Loan
4.49%
24 month
▼
APR4.49%
Term24 month
Last UpdatedJul 16, 2026
Details
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
New Auto Loan
4.49%
24 month
▼
APR4.49%
Term24 month
Last UpdatedJul 16, 2026
Details
New 2026
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
Auto Loans
4.49%
up to 36 months
▼
APR4.49%
Termup to 36 months
Last UpdatedJul 16, 2026
Details
As Low As; w/ Auto Pay Discount: 4.39%
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
New or Used Vehicles Loan
4.49%
up to 36 months
▼
APR4.49%
Termup to 36 months
Last UpdatedJul 16, 2026
Details
As Low As; w/ Auto Pay Discount: 4.39%
Locomotive And Control Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
New Vehicle Loan
4.50%
36 Month Term
▼
APR4.50%
Term36 Month Term
Last UpdatedJul 6, 2026
Details
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Used Vehicles - (3-4 Years Old) JD Power Book Price - 90% Financed Loan
4.50%
60 mos.
▼
APR4.50%
Term60 mos.
Last UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Used Vehicles - Up To 2 Years Old - 100% Financed Loan
4.50%
60 mos.
▼
APR4.50%
Term60 mos.
Last UpdatedJul 6, 2026
Details
APR*
G.A.P. Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.65%
New Vehicle (2026, 2025) Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedJul 6, 2026
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
New Auto Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedJul 12, 2026
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
New Vehicles Loan
4.50%
up to 60 mos.
▼
APR4.50%
Termup to 60 mos.
Last UpdatedJul 12, 2026
Details
As Low As; New Vehicles
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
New Car Loans
4.50%
Up to 4 years
▼
APR4.50%
TermUp to 4 years
Last UpdatedJul 15, 2026
Details
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
Used Car Loans 2024 - 2026 models
4.50%
4 years
▼
APR4.50%
Term4 years
Last UpdatedJul 15, 2026
Details
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Autos
4.50%
Up to 60 months
▼
APR4.50%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
100% MSRP
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Autos 2022 and newer
4.50%
48 - 60 months
▼
APR4.50%
Term48 - 60 months
Last UpdatedJul 15, 2026
Details
80-90% NADA retail
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Autos
4.50%
48 to 60 months 100% MSRP
▼
APR4.50%
Term48 to 60 months 100% MSRP
Last UpdatedJul 16, 2026
Details
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Autos 2021 and newer
4.50%
48 to 60 months 80-90% NADA retail
▼
APR4.50%
Term48 to 60 months 80-90% NADA retail
Last UpdatedJul 16, 2026
Details
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New & Used Auto Loans (2020 and Newer) 750+
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedJul 16, 2026
Details
Alcose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
New Vehicles 2025-2026 Loan
4.50%
Up to 48 Months
▼
APR4.50%
TermUp to 48 Months
Last UpdatedJul 16, 2026
Details
As Low As; APR*
Alcose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
New Vehicles Loan
4.50%
Up to 48 Months
▼
APR4.50%
TermUp to 48 Months
Last UpdatedJul 16, 2026
Details
As Low As; APR*
VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 8.57%
New Vehicle Loan
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedJul 16, 2026
Details
Zero Down Payment
VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 8.57%
Used Vehicle Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedJul 16, 2026
Details
2022 - NEWER
APR4.50%
Term72 months
Last UpdatedJul 16, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto
4.59%
Up to 60 months
▼
APR4.59%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
New / Used Car, Truck, SUV Loan (2021 - 2026)
4.59%
84 Months
▼
APR4.59%
Term84 Months
Last UpdatedJul 15, 2026
Details
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
New 2026 Auto Loan
4.64%
36 month
▼
APR4.64%
Term36 month
Last UpdatedJul 16, 2026
Details
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
New Auto Loan
4.64%
36 month
▼
APR4.64%
Term36 month
Last UpdatedJul 16, 2026
Details
New 2026
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
Used 2024 - 2025 Auto Loan
4.64%
24 month
▼
APR4.64%
Term24 month
Last UpdatedJul 16, 2026
Details
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
Used Auto Loan
4.64%
24 month
▼
APR4.64%
Term24 month
Last UpdatedJul 16, 2026
Details
Used 2024 - 2025
APR4.64%
Term49-60 Months
Last UpdatedJul 16, 2026
Details
As Low As; 2022 - 2024
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
Used Auto Loan
4.69%
72 months
▼
APR4.69%
Term72 months
Last UpdatedJul 15, 2026
Details
Model Years 2021-2023; *
Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.40%
New Vehicle Loan
4.69%
Up to 36 Months
▼
APR4.69%
TermUp to 36 Months
Last UpdatedJul 16, 2026
Details
Maximum $50,000.00
Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.40%
Used Vehicle Loan
4.69%
Up to 36 Months
▼
APR4.69%
TermUp to 36 Months
Last UpdatedJul 16, 2026
Details
Some Restrictions Apply Vehicles 2017 or newer
Lehigh Valley Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New Auto Loan
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedJul 16, 2026
Details
As Low As
Lehigh Valley Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Used Auto Loan
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedJul 16, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
New Auto Loans 24 Months
4.70%
24 Months
▼
APR4.70%
Term24 Months
Last UpdatedJul 6, 2026
Details
Top Tier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.18%
Used Auto
4.74%
Up to 72 months
▼
APR4.74%
TermUp to 72 months
Last UpdatedJul 6, 2026
Details
As Low As; Used Auto (2022 to 2020)
United Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
New Automobile
4.74%
60 Mos
▼
APR4.74%
Term60 Mos
Last UpdatedJul 15, 2026
Details
Model Years 2026 and 2025
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
Used Autos
4.74%
53 - 64 months
▼
APR4.74%
Term53 - 64 months
Last UpdatedJul 15, 2026
Details
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Car 2027-2024 Model Year Loan
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedJul 15, 2026
Details
Min. value of car $15,000
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
New Vehicles Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedJul 15, 2026
Details
APR4.74%
Term61-75 Months
Last UpdatedJul 16, 2026
Details
As Low As; 2025 & newer
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Used Vehicles - Up To 2 Years Old - 100% Financed Loan
4.75%
72 mos.
▼
APR4.75%
Term72 mos.
Last UpdatedJul 6, 2026
Details
APR*
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
New Auto Loans 24 Months
4.75%
24 Months
▼
APR4.75%
Term24 Months
Last UpdatedJul 6, 2026
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
New Vehicles Loan
4.75%
61 to 72 mos.~
▼
APR4.75%
Term61 to 72 mos.~
Last UpdatedJul 12, 2026
Details
As Low As; New Vehicles
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New Vehicles 2024-2026 (untitled or <10,000 miles) 36 Months Loan
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedJul 12, 2026
Details
Credit Level: Gold; Credit Score: 730 and Up
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
New Car Loans
4.75%
Up to 5 and 6 years
▼
APR4.75%
TermUp to 5 and 6 years
Last UpdatedJul 15, 2026
Details
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
Used Car Loans 2024 - 2026 models
4.75%
5 & 6 years
▼
APR4.75%
Term5 & 6 years
Last UpdatedJul 15, 2026
Details
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles Loan
4.75%
84 months
▼
APR4.75%
Term84 months
Last UpdatedJul 15, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
New or Used Vehicles Loan
4.75%
5 YEAR REPAY
▼
APR4.75%
Term5 YEAR REPAY
Last UpdatedJul 15, 2026
Details
As Low As; New or Used Vehicles
Visionary Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
New Vehicle Loan
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedJul 15, 2026
Details
As low as; 2025 and Newer
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
Used Vehicles Loan
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedJul 15, 2026
Details
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New & Used Auto Loans (2020 and Newer) 700 - 749
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedJul 16, 2026
Details
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New & Used Auto Loans (2020 and Newer) 750+
4.75%
72 months
▼
APR4.75%
Term72 months
Last UpdatedJul 16, 2026
Details
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
Used Auto Loans (2019 and Older) 36 months
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedJul 16, 2026
Details
FICO Score 750+
VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 8.57%
Used Vehicle Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedJul 16, 2026
Details
2022 - NEWER**
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
New 2026 Auto Loan
4.79%
48 month
▼
APR4.79%
Term48 month
Last UpdatedJul 16, 2026
Details
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
New Auto Loan
4.79%
48 month
▼
APR4.79%
Term48 month
Last UpdatedJul 16, 2026
Details
New 2026
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
Used 2024 - 2025 Auto Loan
4.79%
36 month
▼
APR4.79%
Term36 month
Last UpdatedJul 16, 2026
Details
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
Used Auto Loan
4.79%
36 month
▼
APR4.79%
Term36 month
Last UpdatedJul 16, 2026
Details
Used 2024 - 2025
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
New Auto Loans 36 Months
4.80%
36 Months
▼
APR4.80%
Term36 Months
Last UpdatedJul 6, 2026
Details
APR4.84%
TermUp to 48 Months
Last UpdatedJul 16, 2026
Details
As Low As; 2017 - 2021
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
New Auto Loans 36 Months
4.85%
36 Months
▼
APR4.85%
Term36 Months
Last UpdatedJul 6, 2026
Details
Diamond Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
Auto Loan Special
4.89%
up to 72 months
▼
APR4.89%
Termup to 72 months
Last UpdatedJul 11, 2026
Details
As Low As; Special Rates
Central Susquehanna Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle Loan
4.89%
49-60 Months
▼
APR4.89%
Term49-60 Months
Last UpdatedJul 15, 2026
Details
Motorcycle, ATC, UTV, camper, boat, trailer and snowmobiles add 1.00% to rate.
Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.40%
Used Vehicle Loan
4.89%
Up to 48 Months
▼
APR4.89%
TermUp to 48 Months
Last UpdatedJul 16, 2026
Details
Some Restrictions Apply Vehicles 2017 or newer
USX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New and Used Vehicles Model years 2026-2025-2024-2023 Up to 48 months Loan
4.89%
Up to 48 months
▼
APR4.89%
TermUp to 48 months
Last UpdatedJul 16, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
New Auto Loans 24 Months
4.90%
24 Months
▼
APR4.90%
Term24 Months
Last UpdatedJul 6, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
New Auto Loans 48 Months
4.90%
48 Months
▼
APR4.90%
Term48 Months
Last UpdatedJul 6, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
4.90%
Up to 72 Months
▼
APR4.90%
TermUp to 72 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
Used Car Loans 2014 - 2023 models
4.90%
4 years
▼
APR4.90%
Term4 years
Last UpdatedJul 15, 2026
Details
P&G Mehoopany Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
New and Used Auto Loan
4.90%
Up to 96 Months
▼
APR4.90%
TermUp to 96 Months
Last UpdatedJul 15, 2026
Details
Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.40%
New Vehicle Loan
4.90%
Up to 48 Months
▼
APR4.90%
TermUp to 48 Months
Last UpdatedJul 16, 2026
Details
Maximum $50,000.00
UFCW LOCAL 23
Institution Rating:
A+5.0 ★ Texas Ratio: 5.17%
Used Auto 2024-2022
4.90%
5 years
▼
APR4.90%
Term5 years
Last UpdatedJul 16, 2026
Details
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
Used Auto Loan
4.94%
84 months
▼
APR4.94%
Term84 months
Last UpdatedJul 15, 2026
Details
Model Years 2021-2023; *
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
Used 2024 - 2025 Auto Loan
4.94%
48 month
▼
APR4.94%
Term48 month
Last UpdatedJul 16, 2026
Details
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
Used Auto Loan
4.94%
48 month
▼
APR4.94%
Term48 month
Last UpdatedJul 16, 2026
Details
Used 2024 - 2025
APR4.94%
Term61-75 Months
Last UpdatedJul 16, 2026
Details
As Low As; 2022 - 2024
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
New Auto Loans 48 Months
4.95%
48 Months
▼
APR4.95%
Term48 Months
Last UpdatedJul 6, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
New Auto Loans 63 Months
4.95%
63 Months
▼
APR4.95%
Term63 Months
Last UpdatedJul 6, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
Used Auto Loans - 24 Months
4.95%
24 Months
▼
APR4.95%
Term24 Months
Last UpdatedJul 6, 2026
Details
Credit Rating: A+
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
New Vehicle Loans (2026-2025)
4.99%
3 Years
▼
APR4.99%
Term3 Years
Last UpdatedJul 6, 2026
Details
As Low As
Multi-Schools Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.85%
New Car Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedJul 6, 2026
Details
Rates are 'as low as' and include a 0.25% discount for repayment made via payroll deduction or an automatic payment
Pennsylvania Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
Auto Loan
4.99%
Up to 84 months
▼
APR4.99%
TermUp to 84 months
Last UpdatedJul 6, 2026
Details
New or Used. Upgrade Your Ride!
Top Tier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.18%
New & Used Auto
4.99%
Up to 84 months
▼
APR4.99%
TermUp to 84 months
Last UpdatedJul 6, 2026
Details
As Low As; New & Used Auto (2026-2023)
Upper Darby Bell Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
Used Car Loans (Model Year 2019 - 2025) 24 months
4.99%
24 months
▼
APR4.99%
Term24 months
Last UpdatedJul 6, 2026
Details
As Low As
Upper Darby Bell Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
Used Car Loans (Model Year 2019 - 2025) 36 months
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedJul 6, 2026
Details
As Low As
Upper Darby Bell Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
Used Car Loans (Model Year 2019 - 2025) 48 months
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedJul 6, 2026
Details
As Low As
White Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
Auto Loans 2025 - 2026
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedJul 11, 2026
Details
As low as. NEW VEHICLES: Must be current or prior year model and must not have been previously titled. Tax, title, tags and optional products. Max LTV is 125% MSRP. All rates are based on "A+" credit and requires autopay.
New Alliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.31%
Auto Loan
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedJul 12, 2026
Details
As Low As; 2024-2026
Bethlehem 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New Vehicle Loan
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedJul 12, 2026
Details
Rates subject to change. See branch for details.
Bethlehem 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Used Vehicles (2019-2026) Loan
4.99%
1-4 Years
▼
APR4.99%
Term1-4 Years
Last UpdatedJul 12, 2026
Details
Rates subject to change. See branch for details.
West Aircomm Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.51%
New Vehicle (2025-2026) less than 20,000 miles Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedJul 15, 2026
Details
West Aircomm Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.51%
Used Vehicle (2019-2025) Loan
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedJul 15, 2026
Details
United Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
Used Automobile
4.99%
60 Mos
▼
APR4.99%
Term60 Mos
Last UpdatedJul 15, 2026
Details
Model Years 2025-2023
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
Used Autos
4.99%
65 - 76 months
▼
APR4.99%
Term65 - 76 months
Last UpdatedJul 15, 2026
Details
CACL Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.85%
New Vehicle Loan
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedJul 15, 2026
Details
CACL Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.85%
Older Used Vehicle Loan
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedJul 15, 2026
Details
CACL Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.85%
Used Vehicle Loan
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedJul 15, 2026
Details
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Car 2027-2024 Model Year Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedJul 15, 2026
Details
Min. value of car $15,000
Westmoreland Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.14%
Used Vehicles Loan
4.99%
60 months or less
▼
APR4.99%
Term60 months or less
Last UpdatedJul 15, 2026
Details
As low as 4.99%; (2025-2026)
Ukrainian Selfreliance of Western PA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.99%
Car Loan
4.99%
up to 36 months
▼
APR4.99%
Termup to 36 months
Last UpdatedJul 15, 2026
Details
Rate is lowest rate based on credit score. Rates available for longer loan terms. Loan refinancing is only for other lender loans. Current loans at Ukrainian Selfreliance of WPA FCU are excluded.
Pennsylvania American Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.85%
NEW OR USED VEHICLE LOANS (2024-2026) - 36 months or less
4.99%
36 months or less
▼
APR4.99%
Term36 months or less
Last UpdatedJul 15, 2026
Details
Tier-1 750-Above
Pennsylvania American Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.85%
NEW OR USED VEHICLE LOANS (2024-2026) - 48 months
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedJul 15, 2026
Details
Tier-1 750-Above
Pennsylvania American Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.85%
NEW OR USED VEHICLE LOANS (2024-2026) - 60 months
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedJul 15, 2026
Details
Tier-1 750-Above
Pennsylvania American Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.85%
NEW OR USED VEHICLE LOANS (2024-2026) 36 months or less
4.99%
36 months or less
▼
APR4.99%
Term36 months or less
Last UpdatedJul 15, 2026
Details
Tier-1 750-Above
Pennsylvania American Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.85%
NEW OR USED VEHICLE LOANS (2024-2026) 48 months
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedJul 15, 2026
Details
Tier-1 750-Above
Pennsylvania American Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.85%
NEW OR USED VEHICLE LOANS (2024-2026) 60 months
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedJul 15, 2026
Details
Tier-1 750-Above
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
NEW Auto Loan
4.99%
37 - 60 months
▼
APR4.99%
Term37 - 60 months
Last UpdatedJul 15, 2026
Details
As Low As
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
USED Auto Loan
4.99%
Up to 36 months
▼
APR4.99%
TermUp to 36 months
Last UpdatedJul 15, 2026
Details
As Low As
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
Used Auto Loan
4.99%
66-Month
▼
APR4.99%
Term66-Month
Last UpdatedJul 15, 2026
Details
as low as
Trouvaille Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
New Auto Loans
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedJul 15, 2026
Details
As Low As
UFCW Local 1776 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicles Loan
4.99%
6 Years
▼
APR4.99%
Term6 Years
Last UpdatedJul 15, 2026
Details
As Low As;*
UFCW Local 1776 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
Used Vehicles Loan
4.99%
5 Years (2023 - 2026)
▼
APR4.99%
Term5 Years (2023 - 2026)
Last UpdatedJul 15, 2026
Details
As Low As;*
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Autos
4.99%
Up to 72 months
▼
APR4.99%
TermUp to 72 months
Last UpdatedJul 15, 2026
Details
100% MSRP
Powered by
MonitorBankRates
New Philadelphia New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
2.99%
Up to 36 Months
▼
APR2.99%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New Autos | Never Titled
3.24%
Up to 40 months
▼
APR3.24%
TermUp to 40 months
Last UpdatedJul 15, 2026
Details
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
New Vehicles 12 mos. Loan
3.25%
12 mos.
▼
APR3.25%
Term12 mos.
Last UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
New Vehicles 24 mos. Loan
3.25%
24 mos.
▼
APR3.25%
Term24 mos.
Last UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
New Vehicles Loan
3.25%
12 mos.
▼
APR3.25%
Term12 mos.
Last UpdatedJul 6, 2026
Details
APR*
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
3.34%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 8.57%
New Vehicle Loan
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedJul 16, 2026
Details
Zero Down Payment
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
New Vehicles 36 mos. Loan
3.50%
36 mos.
▼
APR3.50%
Term36 mos.
Last UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
New Vehicles Loan
3.50%
36 mos.
▼
APR3.50%
Term36 mos.
Last UpdatedJul 6, 2026
Details
APR*
UFCW COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
New Vehicle Loans
3.70%
Up to 84 months
▼
APR3.70%
TermUp to 84 months
Last UpdatedJul 16, 2026
Details
As Low As
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New Autos | Never Titled
3.74%
41-52 months
▼
APR3.74%
Term41-52 months
Last UpdatedJul 15, 2026
Details
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
New Vehicles 48 mos. Loan
3.75%
48 mos.
▼
APR3.75%
Term48 mos.
Last UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
New Vehicles Loan
3.75%
48 mos.
▼
APR3.75%
Term48 mos.
Last UpdatedJul 6, 2026
Details
APR*
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles Loan
3.75%
48 months
▼
APR3.75%
Term48 months
Last UpdatedJul 15, 2026
Details
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New Vehicles Loan
3.75%
up to 84 Months
▼
APR3.75%
Termup to 84 Months
Last UpdatedJul 15, 2026
Details
UFCW LOCAL 23
Institution Rating:
A+5.0 ★ Texas Ratio: 5.17%
New Auto 2025-2024
3.90%
6 years
▼
APR3.90%
Term6 years
Last UpdatedJul 16, 2026
Details
Stanwood Area Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
New Auto
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedJul 6, 2026
Details
UFCW Local 1776 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicles Loan
3.99%
5 Years
▼
APR3.99%
Term5 Years
Last UpdatedJul 15, 2026
Details
As Low As;*
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
New Auto Loan
3.99%
up to 60 months
▼
APR3.99%
Termup to 60 months
Last UpdatedJul 15, 2026
Details
Model Years 2024-2026; *
Citymark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
New Car Loan
3.99%
Up to 96 months
▼
APR3.99%
TermUp to 96 months
Last UpdatedJul 15, 2026
Details
As Low As; (based on credit score)
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
New Vehicles 60 mos. Loan
4.00%
60 mos.
▼
APR4.00%
Term60 mos.
Last UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
New Vehicles Loan
4.00%
60 mos.
▼
APR4.00%
Term60 mos.
Last UpdatedJul 6, 2026
Details
APR*
G.A.P. Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.65%
New Vehicle (2026, 2025) Loan
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedJul 6, 2026
Details
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles Loan
4.00%
60 months
▼
APR4.00%
Term60 months
Last UpdatedJul 15, 2026
Details
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Autos
4.00%
Up to 36 months
▼
APR4.00%
TermUp to 36 months
Last UpdatedJul 15, 2026
Details
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Autos
4.00%
Up to 36 months
▼
APR4.00%
TermUp to 36 months
Last UpdatedJul 16, 2026
Details
VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 8.57%
New Vehicle Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedJul 16, 2026
Details
Zero Down Payment
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
4.09%
Up to 60 months
▼
APR4.09%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
4.15%
Up to 48 Months
▼
APR4.15%
TermUp to 48 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
New or Used Vehicles Loan
4.15%
3 YEAR REPAY
▼
APR4.15%
Term3 YEAR REPAY
Last UpdatedJul 15, 2026
Details
As Low As; New or Used Vehicles
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New Autos | Never Titled
4.24%
53-64 months
▼
APR4.24%
Term53-64 months
Last UpdatedJul 15, 2026
Details
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Car 2027-2024 Model Year Loan
4.24%
24 months
▼
APR4.24%
Term24 months
Last UpdatedJul 15, 2026
Details
Min. value of car $15,000
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
New Auto Loan
4.24%
72 months
▼
APR4.24%
Term72 months
Last UpdatedJul 15, 2026
Details
Model Years 2024-2026; *
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
New Vehicles 72 mos. Loan
4.25%
72 mos.
▼
APR4.25%
Term72 mos.
Last UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
New Vehicles Loan
4.25%
72 mos.
▼
APR4.25%
Term72 mos.
Last UpdatedJul 6, 2026
Details
APR*
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
New Car Loans
4.25%
Up to 3 years
▼
APR4.25%
TermUp to 3 years
Last UpdatedJul 15, 2026
Details
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles Loan
4.25%
72 months
▼
APR4.25%
Term72 months
Last UpdatedJul 15, 2026
Details
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Autos 2022 and newer
4.25%
Up to 36 months
▼
APR4.25%
TermUp to 36 months
Last UpdatedJul 15, 2026
Details
80-90% NADA retail
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
New or Used Vehicles Loan
4.25%
4 YEAR REPAY
▼
APR4.25%
Term4 YEAR REPAY
Last UpdatedJul 15, 2026
Details
As Low As; New or Used Vehicles
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Autos 2021 and newer
4.25%
Up to 36 months 80-90% NADA retail
▼
APR4.25%
TermUp to 36 months 80-90% NADA retail
Last UpdatedJul 16, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
New / Used Car, Truck, SUV Loan (2021 - 2026)
4.29%
36 Months
▼
APR4.29%
Term36 Months
Last UpdatedJul 15, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
New / Used vehicle 2021-2026 Loan
4.29%
36-60 months
▼
APR4.29%
Term36-60 months
Last UpdatedJul 15, 2026
Details
Choice One Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.18%
New Car Loan
4.39%
Up to 84 Months
▼
APR4.39%
TermUp to 84 Months
Last UpdatedJul 6, 2026
Details
As Low As; This rate includes the .25% discount for Auto Pay.
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
4.40%
Up to 60 Months
▼
APR4.40%
TermUp to 60 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
NEW Auto Loan
4.40%
Up to 36 months
▼
APR4.40%
TermUp to 36 months
Last UpdatedJul 15, 2026
Details
As Low As
Top Tier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.18%
New & Used Auto
4.49%
Up to 72 months
▼
APR4.49%
TermUp to 72 months
Last UpdatedJul 6, 2026
Details
As Low As; New & Used Auto (2026-2023)
Choice One Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.18%
New and Used Car Loans
4.49%
Up to 84 months
▼
APR4.49%
TermUp to 84 months
Last UpdatedJul 6, 2026
Details
As Low As; This rate includes the .25% discount with Auto Pay.
Franklin Johnstown Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
New Vehicle Loan
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedJul 15, 2026
Details
As Low As; New 2026 & 2025 (Includes motorcycles)
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New Autos | Never Titled
4.49%
65-76 months
▼
APR4.49%
Term65-76 months
Last UpdatedJul 15, 2026
Details
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Car 2027-2024 Model Year Loan
4.49%
36 months
▼
APR4.49%
Term36 months
Last UpdatedJul 15, 2026
Details
Min. value of car $15,000
Westmoreland Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.14%
New Vehicles Loan
4.49%
36 months
▼
APR4.49%
Term36 months
Last UpdatedJul 15, 2026
Details
As low as 4.49%
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
New / Used Car, Truck, SUV Loan (2021 - 2026)
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedJul 15, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
New / Used vehicle 2020 & older Loan
4.49%
36-48 months
▼
APR4.49%
Term36-48 months
Last UpdatedJul 15, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
New / Used vehicle 2021-2026 Loan
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedJul 15, 2026
Details
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
New Auto Loan
4.49%
84 months
▼
APR4.49%
Term84 months
Last UpdatedJul 15, 2026
Details
Model Years 2024-2026; *
Central Susquehanna Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle Loan
4.49%
Up to 48 Months
▼
APR4.49%
TermUp to 48 Months
Last UpdatedJul 15, 2026
Details
Motorcycle, ATC, UTV, camper, boat, trailer and snowmobiles add 1.00% to rate.
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
New Vehicles Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedJul 15, 2026
Details
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
New 2026 Auto Loan
4.49%
24 month
▼
APR4.49%
Term24 month
Last UpdatedJul 16, 2026
Details
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
New Auto Loan
4.49%
24 month
▼
APR4.49%
Term24 month
Last UpdatedJul 16, 2026
Details
New 2026
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
New or Used Vehicles Loan
4.49%
up to 36 months
▼
APR4.49%
Termup to 36 months
Last UpdatedJul 16, 2026
Details
As Low As; w/ Auto Pay Discount: 4.39%
Locomotive And Control Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
New Vehicle Loan
4.50%
36 Month Term
▼
APR4.50%
Term36 Month Term
Last UpdatedJul 6, 2026
Details
G.A.P. Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.65%
New Vehicle (2026, 2025) Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedJul 6, 2026
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
New Auto Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedJul 12, 2026
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
New Vehicles Loan
4.50%
up to 60 mos.
▼
APR4.50%
Termup to 60 mos.
Last UpdatedJul 12, 2026
Details
As Low As; New Vehicles
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
New Car Loans
4.50%
Up to 4 years
▼
APR4.50%
TermUp to 4 years
Last UpdatedJul 15, 2026
Details
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Autos
4.50%
Up to 60 months
▼
APR4.50%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
100% MSRP
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Autos 2022 and newer
4.50%
48 - 60 months
▼
APR4.50%
Term48 - 60 months
Last UpdatedJul 15, 2026
Details
80-90% NADA retail
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Autos
4.50%
48 to 60 months 100% MSRP
▼
APR4.50%
Term48 to 60 months 100% MSRP
Last UpdatedJul 16, 2026
Details
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Autos 2021 and newer
4.50%
48 to 60 months 80-90% NADA retail
▼
APR4.50%
Term48 to 60 months 80-90% NADA retail
Last UpdatedJul 16, 2026
Details
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New & Used Auto Loans (2020 and Newer) 750+
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedJul 16, 2026
Details
Alcose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
New Vehicles 2025-2026 Loan
4.50%
Up to 48 Months
▼
APR4.50%
TermUp to 48 Months
Last UpdatedJul 16, 2026
Details
As Low As; APR*
Alcose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
New Vehicles Loan
4.50%
Up to 48 Months
▼
APR4.50%
TermUp to 48 Months
Last UpdatedJul 16, 2026
Details
As Low As; APR*
VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 8.57%
New Vehicle Loan
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedJul 16, 2026
Details
Zero Down Payment
APR4.50%
Term72 months
Last UpdatedJul 16, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
New / Used Car, Truck, SUV Loan (2021 - 2026)
4.59%
84 Months
▼
APR4.59%
Term84 Months
Last UpdatedJul 15, 2026
Details
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
New 2026 Auto Loan
4.64%
36 month
▼
APR4.64%
Term36 month
Last UpdatedJul 16, 2026
Details
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
New Auto Loan
4.64%
36 month
▼
APR4.64%
Term36 month
Last UpdatedJul 16, 2026
Details
New 2026
Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.40%
New Vehicle Loan
4.69%
Up to 36 Months
▼
APR4.69%
TermUp to 36 Months
Last UpdatedJul 16, 2026
Details
Maximum $50,000.00
Lehigh Valley Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New Auto Loan
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedJul 16, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
New Auto Loans 24 Months
4.70%
24 Months
▼
APR4.70%
Term24 Months
Last UpdatedJul 6, 2026
Details
United Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
New Automobile
4.74%
60 Mos
▼
APR4.74%
Term60 Mos
Last UpdatedJul 15, 2026
Details
Model Years 2026 and 2025
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Car 2027-2024 Model Year Loan
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedJul 15, 2026
Details
Min. value of car $15,000
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
New Vehicles Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedJul 15, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
New Auto Loans 24 Months
4.75%
24 Months
▼
APR4.75%
Term24 Months
Last UpdatedJul 6, 2026
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
New Vehicles Loan
4.75%
61 to 72 mos.~
▼
APR4.75%
Term61 to 72 mos.~
Last UpdatedJul 12, 2026
Details
As Low As; New Vehicles
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New Vehicles 2024-2026 (untitled or <10,000 miles) 36 Months Loan
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedJul 12, 2026
Details
Credit Level: Gold; Credit Score: 730 and Up
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
New Car Loans
4.75%
Up to 5 and 6 years
▼
APR4.75%
TermUp to 5 and 6 years
Last UpdatedJul 15, 2026
Details
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles Loan
4.75%
84 months
▼
APR4.75%
Term84 months
Last UpdatedJul 15, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
New or Used Vehicles Loan
4.75%
5 YEAR REPAY
▼
APR4.75%
Term5 YEAR REPAY
Last UpdatedJul 15, 2026
Details
As Low As; New or Used Vehicles
Visionary Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
New Vehicle Loan
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedJul 15, 2026
Details
As low as; 2025 and Newer
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New & Used Auto Loans (2020 and Newer) 700 - 749
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedJul 16, 2026
Details
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New & Used Auto Loans (2020 and Newer) 750+
4.75%
72 months
▼
APR4.75%
Term72 months
Last UpdatedJul 16, 2026
Details
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
New 2026 Auto Loan
4.79%
48 month
▼
APR4.79%
Term48 month
Last UpdatedJul 16, 2026
Details
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
New Auto Loan
4.79%
48 month
▼
APR4.79%
Term48 month
Last UpdatedJul 16, 2026
Details
New 2026
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
New Auto Loans 36 Months
4.80%
36 Months
▼
APR4.80%
Term36 Months
Last UpdatedJul 6, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
New Auto Loans 36 Months
4.85%
36 Months
▼
APR4.85%
Term36 Months
Last UpdatedJul 6, 2026
Details
Central Susquehanna Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle Loan
4.89%
49-60 Months
▼
APR4.89%
Term49-60 Months
Last UpdatedJul 15, 2026
Details
Motorcycle, ATC, UTV, camper, boat, trailer and snowmobiles add 1.00% to rate.
USX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New and Used Vehicles Model years 2026-2025-2024-2023 Up to 48 months Loan
4.89%
Up to 48 months
▼
APR4.89%
TermUp to 48 months
Last UpdatedJul 16, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
New Auto Loans 24 Months
4.90%
24 Months
▼
APR4.90%
Term24 Months
Last UpdatedJul 6, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
New Auto Loans 48 Months
4.90%
48 Months
▼
APR4.90%
Term48 Months
Last UpdatedJul 6, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
4.90%
Up to 72 Months
▼
APR4.90%
TermUp to 72 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
P&G Mehoopany Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
New and Used Auto Loan
4.90%
Up to 96 Months
▼
APR4.90%
TermUp to 96 Months
Last UpdatedJul 15, 2026
Details
Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.40%
New Vehicle Loan
4.90%
Up to 48 Months
▼
APR4.90%
TermUp to 48 Months
Last UpdatedJul 16, 2026
Details
Maximum $50,000.00
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
New Auto Loans 48 Months
4.95%
48 Months
▼
APR4.95%
Term48 Months
Last UpdatedJul 6, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
New Auto Loans 63 Months
4.95%
63 Months
▼
APR4.95%
Term63 Months
Last UpdatedJul 6, 2026
Details
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
New Vehicle Loans (2026-2025)
4.99%
3 Years
▼
APR4.99%
Term3 Years
Last UpdatedJul 6, 2026
Details
As Low As
Multi-Schools Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.85%
New Car Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedJul 6, 2026
Details
Rates are 'as low as' and include a 0.25% discount for repayment made via payroll deduction or an automatic payment
Top Tier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.18%
New & Used Auto
4.99%
Up to 84 months
▼
APR4.99%
TermUp to 84 months
Last UpdatedJul 6, 2026
Details
As Low As; New & Used Auto (2026-2023)
Bethlehem 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New Vehicle Loan
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedJul 12, 2026
Details
Rates subject to change. See branch for details.
West Aircomm Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.51%
New Vehicle (2025-2026) less than 20,000 miles Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedJul 15, 2026
Details
CACL Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.85%
New Vehicle Loan
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedJul 15, 2026
Details
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Car 2027-2024 Model Year Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedJul 15, 2026
Details
Min. value of car $15,000
Pennsylvania American Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.85%
NEW OR USED VEHICLE LOANS (2024-2026) - 36 months or less
4.99%
36 months or less
▼
APR4.99%
Term36 months or less
Last UpdatedJul 15, 2026
Details
Tier-1 750-Above
Pennsylvania American Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.85%
NEW OR USED VEHICLE LOANS (2024-2026) - 48 months
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedJul 15, 2026
Details
Tier-1 750-Above
Pennsylvania American Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.85%
NEW OR USED VEHICLE LOANS (2024-2026) - 60 months
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedJul 15, 2026
Details
Tier-1 750-Above
Pennsylvania American Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.85%
NEW OR USED VEHICLE LOANS (2024-2026) 36 months or less
4.99%
36 months or less
▼
APR4.99%
Term36 months or less
Last UpdatedJul 15, 2026
Details
Tier-1 750-Above
Pennsylvania American Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.85%
NEW OR USED VEHICLE LOANS (2024-2026) 48 months
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedJul 15, 2026
Details
Tier-1 750-Above
Pennsylvania American Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.85%
NEW OR USED VEHICLE LOANS (2024-2026) 60 months
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedJul 15, 2026
Details
Tier-1 750-Above
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
NEW Auto Loan
4.99%
37 - 60 months
▼
APR4.99%
Term37 - 60 months
Last UpdatedJul 15, 2026
Details
As Low As
Trouvaille Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
New Auto Loans
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedJul 15, 2026
Details
As Low As
UFCW Local 1776 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicles Loan
4.99%
6 Years
▼
APR4.99%
Term6 Years
Last UpdatedJul 15, 2026
Details
As Low As;*
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Autos
4.99%
Up to 72 months
▼
APR4.99%
TermUp to 72 months
Last UpdatedJul 15, 2026
Details
100% MSRP
Powered by
MonitorBankRates
New Philadelphia Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
2.99%
Up to 36 Months
▼
APR2.99%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
Used Autos
3.49%
Up to 40 Months
▼
APR3.49%
TermUp to 40 Months
Last UpdatedJul 15, 2026
Details
VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 8.57%
Used Vehicle Loan
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedJul 16, 2026
Details
2016-2019
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Used Vehicles - (3-4 Years Old) JD Power Book Price - 90% Financed Loan
3.50%
12 mos.
▼
APR3.50%
Term12 mos.
Last UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Used Vehicles - (5 Years & Older) JD Power Book Price - 85% Financed Loan
3.50%
12 mos.
▼
APR3.50%
Term12 mos.
Last UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Used Vehicles - Up To 2 Years Old - 100% Financed Loan
3.50%
12 mos.
▼
APR3.50%
Term12 mos.
Last UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Used Vehicles - (3-4 Years Old) JD Power Book Price - 90% Financed Loan
3.75%
24 mos.
▼
APR3.75%
Term24 mos.
Last UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Used Vehicles - (5 Years & Older) JD Power Book Price - 85% Financed Loan
3.75%
24 mos.
▼
APR3.75%
Term24 mos.
Last UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Used Vehicles - Up To 2 Years Old - 100% Financed Loan
3.75%
24 mos.
▼
APR3.75%
Term24 mos.
Last UpdatedJul 6, 2026
Details
APR*
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles Loan
3.75%
48 months
▼
APR3.75%
Term48 months
Last UpdatedJul 15, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
Citymark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
Used Car Loan
3.99%
Up to 96 months
▼
APR3.99%
TermUp to 96 months
Last UpdatedJul 15, 2026
Details
As low as; (based on credit score)
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Used Vehicles - (3-4 Years Old) JD Power Book Price - 90% Financed Loan
4.00%
36 mos.
▼
APR4.00%
Term36 mos.
Last UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Used Vehicles - (5 Years & Older) JD Power Book Price - 85% Financed Loan
4.00%
36 mos.
▼
APR4.00%
Term36 mos.
Last UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Used Vehicles - Up To 2 Years Old - 100% Financed Loan
4.00%
36 mos.
▼
APR4.00%
Term36 mos.
Last UpdatedJul 6, 2026
Details
APR*
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles Loan
4.00%
60 months
▼
APR4.00%
Term60 months
Last UpdatedJul 15, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
4.15%
Up to 48 Months
▼
APR4.15%
TermUp to 48 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
New or Used Vehicles Loan
4.15%
3 YEAR REPAY
▼
APR4.15%
Term3 YEAR REPAY
Last UpdatedJul 15, 2026
Details
As Low As; New or Used Vehicles
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Car 2027-2024 Model Year Loan
4.24%
24 months
▼
APR4.24%
Term24 months
Last UpdatedJul 15, 2026
Details
Min. value of car $15,000
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Used Vehicles - (3-4 Years Old) JD Power Book Price - 90% Financed Loan
4.25%
48 mos.
▼
APR4.25%
Term48 mos.
Last UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Used Vehicles - Up To 2 Years Old - 100% Financed Loan
4.25%
48 mos.
▼
APR4.25%
Term48 mos.
Last UpdatedJul 6, 2026
Details
APR*
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
Used Car Loans 2024 - 2026 models
4.25%
3 years
▼
APR4.25%
Term3 years
Last UpdatedJul 15, 2026
Details
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles Loan
4.25%
72 months
▼
APR4.25%
Term72 months
Last UpdatedJul 15, 2026
Details
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Autos 2022 and newer
4.25%
Up to 36 months
▼
APR4.25%
TermUp to 36 months
Last UpdatedJul 15, 2026
Details
80-90% NADA retail
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
New or Used Vehicles Loan
4.25%
4 YEAR REPAY
▼
APR4.25%
Term4 YEAR REPAY
Last UpdatedJul 15, 2026
Details
As Low As; New or Used Vehicles
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Autos 2021 and newer
4.25%
Up to 36 months 80-90% NADA retail
▼
APR4.25%
TermUp to 36 months 80-90% NADA retail
Last UpdatedJul 16, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
New / Used Car, Truck, SUV Loan (2021 - 2026)
4.29%
36 Months
▼
APR4.29%
Term36 Months
Last UpdatedJul 15, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
New / Used vehicle 2021-2026 Loan
4.29%
36-60 months
▼
APR4.29%
Term36-60 months
Last UpdatedJul 15, 2026
Details
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
Used Autos
4.37%
41 - 52 months
▼
APR4.37%
Term41 - 52 months
Last UpdatedJul 15, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
4.40%
Up to 60 Months
▼
APR4.40%
TermUp to 60 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
Top Tier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.18%
New & Used Auto
4.49%
Up to 72 months
▼
APR4.49%
TermUp to 72 months
Last UpdatedJul 6, 2026
Details
As Low As; New & Used Auto (2026-2023)
Choice One Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.18%
New and Used Car Loans
4.49%
Up to 84 months
▼
APR4.49%
TermUp to 84 months
Last UpdatedJul 6, 2026
Details
As Low As; This rate includes the .25% discount with Auto Pay.
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
Used Autos
4.49%
Up to 52 months
▼
APR4.49%
TermUp to 52 months
Last UpdatedJul 15, 2026
Details
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Car 2027-2024 Model Year Loan
4.49%
36 months
▼
APR4.49%
Term36 months
Last UpdatedJul 15, 2026
Details
Min. value of car $15,000
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
New / Used Car, Truck, SUV Loan (2021 - 2026)
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedJul 15, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
New / Used vehicle 2020 & older Loan
4.49%
36-48 months
▼
APR4.49%
Term36-48 months
Last UpdatedJul 15, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
New / Used vehicle 2021-2026 Loan
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedJul 15, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
Used Car, Truck, SUV Loans (2020 & older)
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedJul 15, 2026
Details
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
Used Auto Loan
4.49%
up to 60 months
▼
APR4.49%
Termup to 60 months
Last UpdatedJul 15, 2026
Details
Model Years 2021-2023; *
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
New or Used Vehicles Loan
4.49%
up to 36 months
▼
APR4.49%
Termup to 36 months
Last UpdatedJul 16, 2026
Details
As Low As; w/ Auto Pay Discount: 4.39%
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Used Vehicles - (3-4 Years Old) JD Power Book Price - 90% Financed Loan
4.50%
60 mos.
▼
APR4.50%
Term60 mos.
Last UpdatedJul 6, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Used Vehicles - Up To 2 Years Old - 100% Financed Loan
4.50%
60 mos.
▼
APR4.50%
Term60 mos.
Last UpdatedJul 6, 2026
Details
APR*
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
Used Car Loans 2024 - 2026 models
4.50%
4 years
▼
APR4.50%
Term4 years
Last UpdatedJul 15, 2026
Details
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Autos 2022 and newer
4.50%
48 - 60 months
▼
APR4.50%
Term48 - 60 months
Last UpdatedJul 15, 2026
Details
80-90% NADA retail
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Autos 2021 and newer
4.50%
48 to 60 months 80-90% NADA retail
▼
APR4.50%
Term48 to 60 months 80-90% NADA retail
Last UpdatedJul 16, 2026
Details
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New & Used Auto Loans (2020 and Newer) 750+
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedJul 16, 2026
Details
VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 8.57%
Used Vehicle Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedJul 16, 2026
Details
2022 - NEWER
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto
4.59%
Up to 60 months
▼
APR4.59%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
New / Used Car, Truck, SUV Loan (2021 - 2026)
4.59%
84 Months
▼
APR4.59%
Term84 Months
Last UpdatedJul 15, 2026
Details
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
Used 2024 - 2025 Auto Loan
4.64%
24 month
▼
APR4.64%
Term24 month
Last UpdatedJul 16, 2026
Details
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
Used Auto Loan
4.64%
24 month
▼
APR4.64%
Term24 month
Last UpdatedJul 16, 2026
Details
Used 2024 - 2025
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
Used Auto Loan
4.69%
72 months
▼
APR4.69%
Term72 months
Last UpdatedJul 15, 2026
Details
Model Years 2021-2023; *
Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.40%
Used Vehicle Loan
4.69%
Up to 36 Months
▼
APR4.69%
TermUp to 36 Months
Last UpdatedJul 16, 2026
Details
Some Restrictions Apply Vehicles 2017 or newer
Lehigh Valley Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Used Auto Loan
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedJul 16, 2026
Details
As Low As
Top Tier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.18%
Used Auto
4.74%
Up to 72 months
▼
APR4.74%
TermUp to 72 months
Last UpdatedJul 6, 2026
Details
As Low As; Used Auto (2022 to 2020)
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
Used Autos
4.74%
53 - 64 months
▼
APR4.74%
Term53 - 64 months
Last UpdatedJul 15, 2026
Details
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Car 2027-2024 Model Year Loan
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedJul 15, 2026
Details
Min. value of car $15,000
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Used Vehicles - Up To 2 Years Old - 100% Financed Loan
4.75%
72 mos.
▼
APR4.75%
Term72 mos.
Last UpdatedJul 6, 2026
Details
APR*
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
Used Car Loans 2024 - 2026 models
4.75%
5 & 6 years
▼
APR4.75%
Term5 & 6 years
Last UpdatedJul 15, 2026
Details
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles Loan
4.75%
84 months
▼
APR4.75%
Term84 months
Last UpdatedJul 15, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
New or Used Vehicles Loan
4.75%
5 YEAR REPAY
▼
APR4.75%
Term5 YEAR REPAY
Last UpdatedJul 15, 2026
Details
As Low As; New or Used Vehicles
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
Used Vehicles Loan
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedJul 15, 2026
Details
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New & Used Auto Loans (2020 and Newer) 700 - 749
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedJul 16, 2026
Details
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New & Used Auto Loans (2020 and Newer) 750+
4.75%
72 months
▼
APR4.75%
Term72 months
Last UpdatedJul 16, 2026
Details
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
Used Auto Loans (2019 and Older) 36 months
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedJul 16, 2026
Details
FICO Score 750+
VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 8.57%
Used Vehicle Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedJul 16, 2026
Details
2022 - NEWER**
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
Used 2024 - 2025 Auto Loan
4.79%
36 month
▼
APR4.79%
Term36 month
Last UpdatedJul 16, 2026
Details
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
Used Auto Loan
4.79%
36 month
▼
APR4.79%
Term36 month
Last UpdatedJul 16, 2026
Details
Used 2024 - 2025
Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.40%
Used Vehicle Loan
4.89%
Up to 48 Months
▼
APR4.89%
TermUp to 48 Months
Last UpdatedJul 16, 2026
Details
Some Restrictions Apply Vehicles 2017 or newer
USX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New and Used Vehicles Model years 2026-2025-2024-2023 Up to 48 months Loan
4.89%
Up to 48 months
▼
APR4.89%
TermUp to 48 months
Last UpdatedJul 16, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
4.90%
Up to 72 Months
▼
APR4.90%
TermUp to 72 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
Used Car Loans 2014 - 2023 models
4.90%
4 years
▼
APR4.90%
Term4 years
Last UpdatedJul 15, 2026
Details
P&G Mehoopany Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
New and Used Auto Loan
4.90%
Up to 96 Months
▼
APR4.90%
TermUp to 96 Months
Last UpdatedJul 15, 2026
Details
UFCW LOCAL 23
Institution Rating:
A+5.0 ★ Texas Ratio: 5.17%
Used Auto 2024-2022
4.90%
5 years
▼
APR4.90%
Term5 years
Last UpdatedJul 16, 2026
Details
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
Used Auto Loan
4.94%
84 months
▼
APR4.94%
Term84 months
Last UpdatedJul 15, 2026
Details
Model Years 2021-2023; *
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
Used 2024 - 2025 Auto Loan
4.94%
48 month
▼
APR4.94%
Term48 month
Last UpdatedJul 16, 2026
Details
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
Used Auto Loan
4.94%
48 month
▼
APR4.94%
Term48 month
Last UpdatedJul 16, 2026
Details
Used 2024 - 2025
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
Used Auto Loans - 24 Months
4.95%
24 Months
▼
APR4.95%
Term24 Months
Last UpdatedJul 6, 2026
Details
Credit Rating: A+
Top Tier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.18%
New & Used Auto
4.99%
Up to 84 months
▼
APR4.99%
TermUp to 84 months
Last UpdatedJul 6, 2026
Details
As Low As; New & Used Auto (2026-2023)
Upper Darby Bell Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
Used Car Loans (Model Year 2019 - 2025) 24 months
4.99%
24 months
▼
APR4.99%
Term24 months
Last UpdatedJul 6, 2026
Details
As Low As
Upper Darby Bell Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
Used Car Loans (Model Year 2019 - 2025) 36 months
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedJul 6, 2026
Details
As Low As
Upper Darby Bell Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
Used Car Loans (Model Year 2019 - 2025) 48 months
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedJul 6, 2026
Details
As Low As
Bethlehem 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Used Vehicles (2019-2026) Loan
4.99%
1-4 Years
▼
APR4.99%
Term1-4 Years
Last UpdatedJul 12, 2026
Details
Rates subject to change. See branch for details.
West Aircomm Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.51%
Used Vehicle (2019-2025) Loan
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedJul 15, 2026
Details
United Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
Used Automobile
4.99%
60 Mos
▼
APR4.99%
Term60 Mos
Last UpdatedJul 15, 2026
Details
Model Years 2025-2023
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
Used Autos
4.99%
65 - 76 months
▼
APR4.99%
Term65 - 76 months
Last UpdatedJul 15, 2026
Details
CACL Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.85%
Older Used Vehicle Loan
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedJul 15, 2026
Details
CACL Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.85%
Used Vehicle Loan
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedJul 15, 2026
Details
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Car 2027-2024 Model Year Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedJul 15, 2026
Details
Min. value of car $15,000
Westmoreland Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.14%
Used Vehicles Loan
4.99%
60 months or less
▼
APR4.99%
Term60 months or less
Last UpdatedJul 15, 2026
Details
As low as 4.99%; (2025-2026)
Pennsylvania American Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.85%
NEW OR USED VEHICLE LOANS (2024-2026) - 36 months or less
4.99%
36 months or less
▼
APR4.99%
Term36 months or less
Last UpdatedJul 15, 2026
Details
Tier-1 750-Above
Pennsylvania American Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.85%
NEW OR USED VEHICLE LOANS (2024-2026) - 48 months
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedJul 15, 2026
Details
Tier-1 750-Above
Pennsylvania American Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.85%
NEW OR USED VEHICLE LOANS (2024-2026) - 60 months
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedJul 15, 2026
Details
Tier-1 750-Above
Pennsylvania American Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.85%
NEW OR USED VEHICLE LOANS (2024-2026) 36 months or less
4.99%
36 months or less
▼
APR4.99%
Term36 months or less
Last UpdatedJul 15, 2026
Details
Tier-1 750-Above
Pennsylvania American Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.85%
NEW OR USED VEHICLE LOANS (2024-2026) 48 months
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedJul 15, 2026
Details
Tier-1 750-Above
Pennsylvania American Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.85%
NEW OR USED VEHICLE LOANS (2024-2026) 60 months
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedJul 15, 2026
Details
Tier-1 750-Above
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
USED Auto Loan
4.99%
Up to 36 months
▼
APR4.99%
TermUp to 36 months
Last UpdatedJul 15, 2026
Details
As Low As
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
Used Auto Loan
4.99%
66-Month
▼
APR4.99%
Term66-Month
Last UpdatedJul 15, 2026
Details
as low as
UFCW Local 1776 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
Used Vehicles Loan
4.99%
5 Years (2023 - 2026)
▼
APR4.99%
Term5 Years (2023 - 2026)
Last UpdatedJul 15, 2026
Details
As Low As;*
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MonitorBankRates
New Philadelphia, PA Auto Loan Rate Trends
Compare local New Philadelphia, 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
5.950%
▼ 0.237 vs 7 days ago
Pennsylvania new auto rates fell 0.237 points over the past 7 days to 5.950% APR.
Used Auto Loan — PA Avg
7.751%
▲ 0.090 vs 7 days ago
Pennsylvania used auto rates rose 0.090 points over the past 7 days to 7.751% APR.
As of Jul 16, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our New Philadelphia, 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 New Philadelphia, 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 New Philadelphia, 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 New Philadelphia, 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 New Philadelphia, 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 New Philadelphia, 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 New Philadelphia, Pennsylvania?
Based on our current data, some of the lowest auto loan rates available in New Philadelphia, Pennsylvania include:
- United Federal Credit Union: 2.99% (Auto Loan)
- First Choice Federal Credit Union: 3.24% (New Autos | Never Titled)
- Corner Post Federal Credit Union: 3.25% (New Vehicles 12 mos. Loan)
- American Airlines Federal Credit Union: 3.34% (New Auto)
- VANTAGE TRUST: 3.49% (New Vehicle Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in New Philadelphia, Pennsylvania. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: July 16, 2026
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