Auto Loan Rates in Philadelphia, Pennsylvania (PA) for June 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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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 Philadelphia, Pennsylvania. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Philadelphia, Pennsylvania include American Airlines Federal Credit UnionAmerican Airlines Federal Credit Union8500 Essington Ave Ste B, Philadelphia, PA, 19153 3716A+5.0 ★Texas Ratio: 2.51% offering New Auto at 3.34%, ADVANTAGE FINANCIALADVANTAGE FINANCIAL5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144A5.0 ★Texas Ratio: 7.37% offering NEW or USED vehicles Loan at 4.39%, FedChoice Federal Credit UnionFedChoice Federal Credit Union2970 Market St, Philadelphia, PA, 19104 5002A5.0 ★Texas Ratio: 7.62% offering New Auto Loan at 4.50%, Reliance Federal Credit UnionReliance Federal Credit Union8704A Crispin Dr, Philadelphia, PA, 19136 1304A5.0 ★Texas Ratio: 6.33% offering New Auto Loans 24 Months A+ at 4.70%, Franklin Mint Federal Credit UnionFranklin Mint Federal Credit Union3200 Chestnut St, Philadelphia, PA, 19104 3395A5.0 ★Texas Ratio: 6.82% offering Auto Loans - 2023-2026 MODEL YEAR at 4.99%. Auto loan rates as of June 1, 2026 according to verified data from MonitorBankRates.
Philadelphia has 12 local institutions in our database, with auto loan rates as low as 3.34% APR from American Airlines Federal Credit Union at 8500 Essington Ave Ste B, Philadelphia, PA, 19153 3716. 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 Philadelphia, Pennsylvania. Auto Loan Rates Last Updated and Verified: June 1, 2026
Compare Auto Loan Rates Today in Philadelphia, Pennsylvania & Surrounding Area
Philadelphia Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
8500 Essington Ave Ste B, Philadelphia, PA, 19153 3716
New Auto
3.34%
36 Months
▼
APR3.34%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 36 Months
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
8500 Essington Ave Ste B, Philadelphia, PA, 19153 3716
Used Auto
3.84%
36 Months
▼
APR3.84%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 36 Months
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
8500 Essington Ave Ste B, Philadelphia, PA, 19153 3716
New Auto
4.09%
60 Months
▼
APR4.09%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 60 months
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles Loan
4.39%
up to 36
▼
APR4.39%
Termup to 36
Last UpdatedJun 1, 2026
Details
As Low As; w/ Auto Pay Discount
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
Auto Loans
4.49%
up to 36 months
▼
APR4.49%
Termup to 36 months
Last UpdatedJun 1, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles Loan
4.49%
up to 36
▼
APR4.49%
Termup to 36
Last UpdatedJun 1, 2026
Details
As Low As
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
2970 Market St, Philadelphia, PA, 19104 5002
New Auto Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 21, 2026
Details
As Low As
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
2970 Market St, Philadelphia, PA, 19104 5002
New Vehicles Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 21, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
8500 Essington Ave Ste B, Philadelphia, PA, 19153 3716
Used Auto
4.59%
60 Months
▼
APR4.59%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 60 months
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 24 Months A+
4.70%
24 Months
▼
APR4.70%
Term24 Months
Last UpdatedMay 22, 2026
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
2970 Market St, Philadelphia, PA, 19104 5002
New Vehicles Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 21, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 24 Months A
4.75%
24 Months
▼
APR4.75%
Term24 Months
Last UpdatedMay 22, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 36 Months A+
4.80%
36 Months
▼
APR4.80%
Term36 Months
Last UpdatedMay 22, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 36 Months A
4.85%
36 Months
▼
APR4.85%
Term36 Months
Last UpdatedMay 22, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles Loan
4.89%
37 - 48
▼
APR4.89%
Term37 - 48
Last UpdatedJun 1, 2026
Details
As Low As; w/ Auto Pay Discount
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 24 Months B
4.90%
24 Months
▼
APR4.90%
Term24 Months
Last UpdatedMay 22, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 48 Months A+
4.90%
48 Months
▼
APR4.90%
Term48 Months
Last UpdatedMay 22, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 48 Months A
4.95%
48 Months
▼
APR4.95%
Term48 Months
Last UpdatedMay 22, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 63 Months A+
4.95%
63 Months
▼
APR4.95%
Term63 Months
Last UpdatedMay 22, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
4.95%
24 Months
▼
APR4.95%
Term24 Months
Last UpdatedMay 22, 2026
Details
Credit Rating: A+
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.82%
3200 Chestnut St, Philadelphia, PA, 19104 3395
Auto Loans - 2023-2026 MODEL YEAR
4.99%
2026 Mo
▼
APR4.99%
Term2026 Mo
Last UpdatedMay 22, 2026
Details
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
1801 Market St, Philadelphia, PA, 19103 1628
66-Month Used Auto Loan
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedMay 22, 2026
Details
As Low As
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
1801 Market St, Philadelphia, PA, 19103 1628
New Auto
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedMay 22, 2026
Details
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
1801 Market St, Philadelphia, PA, 19103 1628
Used Auto (2015 or newer)
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedMay 22, 2026
Details
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
1801 Market St, Philadelphia, PA, 19103 1628
Used Auto (2017 or newer)
4.99%
66 months
▼
APR4.99%
Term66 months
Last UpdatedMay 22, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
Auto Loans
4.99%
37 - 48 months
▼
APR4.99%
Term37 - 48 months
Last UpdatedJun 1, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles Loan
4.99%
37 - 48
▼
APR4.99%
Term37 - 48
Last UpdatedJun 1, 2026
Details
As Low As
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
2970 Market St, Philadelphia, PA, 19104 5002
Used Auto Loan
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMay 21, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 36 Months B
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMay 22, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 63 Months A
5.00%
63 Months
▼
APR5.00%
Term63 Months
Last UpdatedMay 22, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
5.05%
24 Months
▼
APR5.05%
Term24 Months
Last UpdatedMay 22, 2026
Details
Credit Rating: A
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
300 Spring Garden St, Philadelphia, PA, 19123
New Auto Loan
5.10%
66 Months
▼
APR5.10%
Term66 Months
Last UpdatedMay 17, 2026
Details
As Low As; Up to $25,000
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
300 Spring Garden St, Philadelphia, PA, 19123
Used Same as New Auto Loan
5.10%
66 Months
▼
APR5.10%
Term66 Months
Last UpdatedMay 17, 2026
Details
As Low As; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 48 Months B
5.15%
48 Months
▼
APR5.15%
Term48 Months
Last UpdatedMay 22, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
5.15%
36 Months
▼
APR5.15%
Term36 Months
Last UpdatedMay 22, 2026
Details
Credit Rating: A
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
5.19%
1 - 63
▼
APR5.19%
Term1 - 63
Last UpdatedMay 18, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 75 Months A+
5.20%
75 Months
▼
APR5.20%
Term75 Months
Last UpdatedMay 22, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
5.20%
24 Months
▼
APR5.20%
Term24 Months
Last UpdatedMay 22, 2026
Details
Credit Rating: B
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
1801 Market St, Philadelphia, PA, 19103 1628
New Auto
5.24%
75 months
▼
APR5.24%
Term75 months
Last UpdatedMay 22, 2026
Details
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
1801 Market St, Philadelphia, PA, 19103 1628
Used Auto (2018 or newer)
5.24%
75 months
▼
APR5.24%
Term75 months
Last UpdatedMay 22, 2026
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.76%
2800 W Passyunk Ave, Philadelphia, PA, 19145 5206
New (<10K miles) 1-75 month term Bright Auto Loans
5.24%
75 Month
▼
APR5.24%
Term75 Month
Last UpdatedMay 29, 2026
Details
As Low As
Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.76%
2800 W Passyunk Ave, Philadelphia, PA, 19145 5206
New Bright Auto Loan
5.24%
1-75
▼
APR5.24%
Term1-75
Last UpdatedMay 29, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedMay 22, 2026
Details
Credit Rating: A
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 63 Months B
5.30%
63 Months
▼
APR5.30%
Term63 Months
Last UpdatedMay 22, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 75 Months A
5.30%
75 Months
▼
APR5.30%
Term75 Months
Last UpdatedMay 22, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
5.30%
36 Months
▼
APR5.30%
Term36 Months
Last UpdatedMay 22, 2026
Details
Credit Rating: B
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
5.39%
64 - 75
▼
APR5.39%
Term64 - 75
Last UpdatedMay 18, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles Loan
5.39%
49 - 60
▼
APR5.39%
Term49 - 60
Last UpdatedJun 1, 2026
Details
As Low As; w/ Auto Pay Discount
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
5.44%
1 - 63
▼
APR5.44%
Term1 - 63
Last UpdatedMay 18, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
5.45%
48 Months
▼
APR5.45%
Term48 Months
Last UpdatedMay 22, 2026
Details
Credit Rating: B
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.82%
3200 Chestnut St, Philadelphia, PA, 19104 3395
Auto Loans - 2023-2026 MODEL YEAR
5.49%
2026 Mo
▼
APR5.49%
Term2026 Mo
Last UpdatedMay 22, 2026
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.76%
2800 W Passyunk Ave, Philadelphia, PA, 19145 5206
New Vehicle Loan
5.49%
1-75
▼
APR5.49%
Term1-75
Last UpdatedMay 29, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
Auto Loans
5.49%
49 - 60 months
▼
APR5.49%
Term49 - 60 months
Last UpdatedJun 1, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles Loan
5.49%
49 - 60
▼
APR5.49%
Term49 - 60
Last UpdatedJun 1, 2026
Details
As Low As
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
300 Spring Garden St, Philadelphia, PA, 19123
Used Auto Loan
5.50%
66 Months
▼
APR5.50%
Term66 Months
Last UpdatedMay 17, 2026
Details
As Low As; Up to 80% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
5.50%
75 Months
▼
APR5.50%
Term75 Months
Last UpdatedMay 22, 2026
Details
Credit Rating: A+
NORTHWOOD
Institution Rating:
A5.0 ★ Texas Ratio: 1.74%
6836 Castor Ave, Philadelphia, PA, 19149 2108
New Auto Loan
5.50%
3 yr
▼
APR5.50%
Term3 yr
Last UpdatedJun 1, 2026
Details
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
7350 Large St, Philadelphia, PA, 19152
Auto Loans
5.54%
Up to 63 Months
▼
APR5.54%
TermUp to 63 Months
Last UpdatedMay 31, 2026
Details
As Low As; 2027 - 2024
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
7350 Large St, Philadelphia, PA, 19152
Auto Loans 2027 - 2024
5.54%
Up to 63 Months
▼
APR5.54%
TermUp to 63 Months
Last UpdatedMay 31, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
5.60%
63 Months
▼
APR5.60%
Term63 Months
Last UpdatedMay 22, 2026
Details
Credit Rating: B
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
5.64%
64 - 75
▼
APR5.64%
Term64 - 75
Last UpdatedMay 18, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 24 Months C
5.70%
24 Months
▼
APR5.70%
Term24 Months
Last UpdatedMay 22, 2026
Details
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
1801 Market St, Philadelphia, PA, 19103 1628
First-Time Buyer Auto Loan
5.74%
75 months
▼
APR5.74%
Term75 months
Last UpdatedMay 22, 2026
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.76%
2800 W Passyunk Ave, Philadelphia, PA, 19145 5206
New (<10K miles) 76-84 month term Bright Auto Loans
5.74%
84 Month
▼
APR5.74%
Term84 Month
Last UpdatedMay 29, 2026
Details
As Low As
Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.76%
2800 W Passyunk Ave, Philadelphia, PA, 19145 5206
New Bright Auto Loan
5.74%
76-84
▼
APR5.74%
Term76-84
Last UpdatedMay 29, 2026
Details
As Low As
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
2970 Market St, Philadelphia, PA, 19104 5002
New Vehicles Loan
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedMay 21, 2026
Details
As Low As
Eagle One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.42%
7500 Lindbergh Blvd, Philadelphia, PA, 19176
New/Used Auto
5.75%
36 Months
▼
APR5.75%
Term36 Months
Last UpdatedMay 21, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 84 Months A+
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedMay 22, 2026
Details
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
5.79%
76 - 84
▼
APR5.79%
Term76 - 84
Last UpdatedMay 18, 2026
Details
As Low As
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
7350 Large St, Philadelphia, PA, 19152
Auto Loans
5.79%
64 - 75 Months
▼
APR5.79%
Term64 - 75 Months
Last UpdatedMay 31, 2026
Details
As Low As; 2027 - 2024
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
7350 Large St, Philadelphia, PA, 19152
Auto Loans 2023 - 2022
5.79%
Up to 63 Months
▼
APR5.79%
TermUp to 63 Months
Last UpdatedMay 31, 2026
Details
As Low As
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
7350 Large St, Philadelphia, PA, 19152
Auto Loans 2027 - 2024
5.79%
64 - 75 Months
▼
APR5.79%
Term64 - 75 Months
Last UpdatedMay 31, 2026
Details
As Low As
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
300 Spring Garden St, Philadelphia, PA, 19123
New Auto Loan
5.80%
78 Months
▼
APR5.80%
Term78 Months
Last UpdatedMay 17, 2026
Details
As Low As; $15,000 to $35,000
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
300 Spring Garden St, Philadelphia, PA, 19123
Used Same as New Auto Loan
5.80%
78 Months
▼
APR5.80%
Term78 Months
Last UpdatedMay 17, 2026
Details
As Low As; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 75 Months B
5.80%
75 Months
▼
APR5.80%
Term75 Months
Last UpdatedMay 22, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 84 Months A
5.85%
84 Months
▼
APR5.85%
Term84 Months
Last UpdatedMay 22, 2026
Details
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
5.94%
1 - 63
▼
APR5.94%
Term1 - 63
Last UpdatedMay 18, 2026
Details
As Low As
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.82%
3200 Chestnut St, Philadelphia, PA, 19104 3395
Auto Loans - 2021-2022 MODEL YEAR
5.99%
2022 Mo
▼
APR5.99%
Term2022 Mo
Last UpdatedMay 22, 2026
Details
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
1801 Market St, Philadelphia, PA, 19103 1628
New Auto
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedMay 22, 2026
Details
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
1801 Market St, Philadelphia, PA, 19103 1628
Used Auto (2021 or newer)
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedMay 22, 2026
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.76%
2800 W Passyunk Ave, Philadelphia, PA, 19145 5206
New Vehicle Loan
5.99%
76-84
▼
APR5.99%
Term76-84
Last UpdatedMay 29, 2026
Details
As Low As
NORTHWOOD
Institution Rating:
A5.0 ★ Texas Ratio: 1.74%
6836 Castor Ave, Philadelphia, PA, 19149 2108
New Auto Loan
5.99%
4 yr
▼
APR5.99%
Term4 yr
Last UpdatedJun 1, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
6.00%
24 Months
▼
APR6.00%
Term24 Months
Last UpdatedMay 22, 2026
Details
Credit Rating: C
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
6.04%
76 - 84
▼
APR6.04%
Term76 - 84
Last UpdatedMay 18, 2026
Details
As Low As
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
7350 Large St, Philadelphia, PA, 19152
Auto Loans
6.04%
64 - 75 Months
▼
APR6.04%
Term64 - 75 Months
Last UpdatedMay 31, 2026
Details
As Low As; 2023 - 2022
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
7350 Large St, Philadelphia, PA, 19152
Auto Loans 2023 - 2022
6.04%
64 - 75 Months
▼
APR6.04%
Term64 - 75 Months
Last UpdatedMay 31, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 36 Months C
6.05%
36 Months
▼
APR6.05%
Term36 Months
Last UpdatedMay 22, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
6.10%
75 Months
▼
APR6.10%
Term75 Months
Last UpdatedMay 22, 2026
Details
Credit Rating: B
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
6.14%
64 - 75
▼
APR6.14%
Term64 - 75
Last UpdatedMay 18, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
6.15%
84 Months
▼
APR6.15%
Term84 Months
Last UpdatedMay 22, 2026
Details
Credit Rating: A
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
7350 Large St, Philadelphia, PA, 19152
Auto Loans
6.19%
Up to 63 Months
▼
APR6.19%
TermUp to 63 Months
Last UpdatedMay 31, 2026
Details
As Low As; 2021 - 2018
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
7350 Large St, Philadelphia, PA, 19152
Auto Loans 2021 - 2018
6.19%
Up to 63 Months
▼
APR6.19%
TermUp to 63 Months
Last UpdatedMay 31, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 84 Months B
6.35%
84 Months
▼
APR6.35%
Term84 Months
Last UpdatedMay 22, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
6.35%
36 Months
▼
APR6.35%
Term36 Months
Last UpdatedMay 22, 2026
Details
Credit Rating: C
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles Loan
6.39%
61 - 72
▼
APR6.39%
Term61 - 72
Last UpdatedJun 1, 2026
Details
As Low As; w/ Auto Pay Discount
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
300 Spring Garden St, Philadelphia, PA, 19123
Used Auto Loan
6.40%
78 Months
▼
APR6.40%
Term78 Months
Last UpdatedMay 17, 2026
Details
As Low As; Up to 80% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
7350 Large St, Philadelphia, PA, 19152
Auto Loans
6.44%
76 - 84 Months
▼
APR6.44%
Term76 - 84 Months
Last UpdatedMay 31, 2026
Details
As Low As; 2027 - 2024
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
7350 Large St, Philadelphia, PA, 19152
Auto Loans 2023 - 2022
6.44%
76 - 84 Months
▼
APR6.44%
Term76 - 84 Months
Last UpdatedMay 31, 2026
Details
As Low As
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
7350 Large St, Philadelphia, PA, 19152
Auto Loans 2027 - 2024
6.44%
76 - 84 Months
▼
APR6.44%
Term76 - 84 Months
Last UpdatedMay 31, 2026
Details
As Low As
NORTHWOOD
Institution Rating:
A5.0 ★ Texas Ratio: 1.74%
6836 Castor Ave, Philadelphia, PA, 19149 2108
New Auto Loan
6.49%
5 yr
▼
APR6.49%
Term5 yr
Last UpdatedJun 1, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
Auto Loans
6.49%
61 - 72 months
▼
APR6.49%
Term61 - 72 months
Last UpdatedJun 1, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles Loan
6.49%
61 - 72
▼
APR6.49%
Term61 - 72
Last UpdatedJun 1, 2026
Details
As Low As
Eagle One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.42%
7500 Lindbergh Blvd, Philadelphia, PA, 19176
New/Used Auto
6.50%
60 Months
▼
APR6.50%
Term60 Months
Last UpdatedMay 21, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
6.54%
76 - 84
▼
APR6.54%
Term76 - 84
Last UpdatedMay 18, 2026
Details
As Low As
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
7350 Large St, Philadelphia, PA, 19152
Auto Loans
6.54%
64 - 72 Months
▼
APR6.54%
Term64 - 72 Months
Last UpdatedMay 31, 2026
Details
As Low As; 2021 - 2018
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
7350 Large St, Philadelphia, PA, 19152
Auto Loans 2021 - 2018
6.54%
64 - 72 Months
▼
APR6.54%
Term64 - 72 Months
Last UpdatedMay 31, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
6.65%
84 Months
▼
APR6.65%
Term84 Months
Last UpdatedMay 22, 2026
Details
Credit Rating: B
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
6.79%
85 - 96
▼
APR6.79%
Term85 - 96
Last UpdatedMay 18, 2026
Details
As Low As
NORTHWOOD
Institution Rating:
A5.0 ★ Texas Ratio: 1.74%
6836 Castor Ave, Philadelphia, PA, 19149 2108
New Auto Loan
6.99%
6 yr
▼
APR6.99%
Term6 yr
Last UpdatedJun 1, 2026
Details
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
300 Spring Garden St, Philadelphia, PA, 19123
Auto Refinance
7.00%
72 Months
▼
APR7.00%
Term72 Months
Last UpdatedMay 17, 2026
Details
As Low As; Rates, terms and conditions are subject to change and may vary based on creditworthiness and qualifications. Minimum rate offered is 7.00%, regardless of your current loan rate. Maximum payment example: $60,000 for 72 months at 7.00% APR equals payments of $1,023.07 per month. Certain restrictions apply. Cannot be combined with any other discounts. Vehicle must be model year 2018 or newer. Does not apply to current Democracy FCU auto loans.
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
7.04%
85 - 96
▼
APR7.04%
Term85 - 96
Last UpdatedMay 18, 2026
Details
As Low As
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
300 Spring Garden St, Philadelphia, PA, 19123
New Auto Loan
7.05%
84 Months
▼
APR7.05%
Term84 Months
Last UpdatedMay 17, 2026
Details
As Low As; $35,000+
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
300 Spring Garden St, Philadelphia, PA, 19123
Used Same as New Auto Loan
7.05%
84 Months
▼
APR7.05%
Term84 Months
Last UpdatedMay 17, 2026
Details
As Low As; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 48 Months C
7.15%
48 Months
▼
APR7.15%
Term48 Months
Last UpdatedMay 22, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles Loan
7.39%
73 - 84
▼
APR7.39%
Term73 - 84
Last UpdatedJun 1, 2026
Details
As Low As; w/ Auto Pay Discount
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
300 Spring Garden St, Philadelphia, PA, 19123
Used Auto Loan
7.40%
84 Months
▼
APR7.40%
Term84 Months
Last UpdatedMay 17, 2026
Details
As Low As; Up to 80% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
7.45%
48 Months
▼
APR7.45%
Term48 Months
Last UpdatedMay 22, 2026
Details
Credit Rating: C
NORTHWOOD
Institution Rating:
A5.0 ★ Texas Ratio: 1.74%
6836 Castor Ave, Philadelphia, PA, 19149 2108
New Auto Loan
7.49%
7 yr
▼
APR7.49%
Term7 yr
Last UpdatedJun 1, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
Auto Loans
7.49%
73 - 84 months
▼
APR7.49%
Term73 - 84 months
Last UpdatedJun 1, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles Loan
7.49%
73 - 84
▼
APR7.49%
Term73 - 84
Last UpdatedJun 1, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
7.54%
85 - 96
▼
APR7.54%
Term85 - 96
Last UpdatedMay 18, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 63 Months C
7.55%
63 Months
▼
APR7.55%
Term63 Months
Last UpdatedMay 22, 2026
Details
Eagle One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.42%
7500 Lindbergh Blvd, Philadelphia, PA, 19176
New/Used Auto
7.75%
72 Months
▼
APR7.75%
Term72 Months
Last UpdatedMay 21, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
7.85%
63 Months
▼
APR7.85%
Term63 Months
Last UpdatedMay 22, 2026
Details
Credit Rating: C
NORTHWOOD
Institution Rating:
A5.0 ★ Texas Ratio: 1.74%
6836 Castor Ave, Philadelphia, PA, 19149 2108
Used Auto Loan
7.99%
4 Years
▼
APR7.99%
Term4 Years
Last UpdatedJun 1, 2026
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
2970 Market St, Philadelphia, PA, 19104 5002
Leisure Vehicle Loan
8.00%
up to 84
▼
APR8.00%
Termup to 84
Last UpdatedMay 21, 2026
Details
As Low As; Includes Personal Watercraft and Snowmobiles.
Eagle One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.42%
7500 Lindbergh Blvd, Philadelphia, PA, 19176
New/Used Auto
8.00%
84 Months
▼
APR8.00%
Term84 Months
Last UpdatedMay 21, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 75 Months C
8.70%
75 Months
▼
APR8.70%
Term75 Months
Last UpdatedMay 22, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
9.00%
75 Months
▼
APR9.00%
Term75 Months
Last UpdatedMay 22, 2026
Details
Credit Rating: C
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
2970 Market St, Philadelphia, PA, 19104 5002
Leisure Vehicle Loan
9.25%
85 to 120
▼
APR9.25%
Term85 to 120
Last UpdatedMay 21, 2026
Details
As Low As; Includes Personal Watercraft and Snowmobiles.
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 84 Months C
9.50%
84 Months
▼
APR9.50%
Term84 Months
Last UpdatedMay 22, 2026
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
2970 Market St, Philadelphia, PA, 19104 5002
Leisure Vehicle Loan
9.75%
121 to 144
▼
APR9.75%
Term121 to 144
Last UpdatedMay 21, 2026
Details
As Low As; Includes Personal Watercraft and Snowmobiles.
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
9.80%
84 Months
▼
APR9.80%
Term84 Months
Last UpdatedMay 22, 2026
Details
Credit Rating: C
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
New Vehicles
2.75%
12 Months
▼
APR2.75%
Term12 Months
Last UpdatedMay 17, 2026
Details
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New Autos | Never Titled
3.24%
Up to 40
▼
APR3.24%
TermUp to 40
Last UpdatedMay 29, 2026
Details
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
Used Autos 2026 - 2024
3.49%
Up to 40
▼
APR3.49%
TermUp to 40
Last UpdatedMay 29, 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 UpdatedJun 1, 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 UpdatedJun 1, 2026
Details
2016-2019
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 29, 2026
Details
As Low As; All Years**
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 UpdatedJun 1, 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
▼
APR3.74%
Term41-52
Last UpdatedMay 29, 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
3.75%
12 Months
▼
APR3.75%
Term12 Months
Last UpdatedMay 17, 2026
Details
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
3.75%
12 Months
▼
APR3.75%
Term12 Months
Last UpdatedMay 17, 2026
Details
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Used Vehicles - Up To 2 Years Old - 100% Financed
3.75%
12 Months
▼
APR3.75%
Term12 Months
Last UpdatedMay 17, 2026
Details
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 UpdatedMay 22, 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 UpdatedMay 22, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As; All Years**
Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.68%
New or Used Auto Loans
3.79%
36 Months
▼
APR3.79%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As; APR is Annual Percentage Rate. Click for details.
UFCW LOCAL 23
Institution Rating:
A+5.0 ★ Texas Ratio: 5.17%
New Auto 2025-2024
3.90%
6 Months
▼
APR3.90%
Term6 Months
Last UpdatedJun 1, 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 UpdatedMay 22, 2026
Details
Citymark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
New Car Loan
3.99%
96 Months
▼
APR3.99%
Term96 Months
Last UpdatedMay 22, 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%
96 Months
▼
APR3.99%
Term96 Months
Last UpdatedMay 22, 2026
Details
As Low As; (based on credit score)
UFCW Local 1776 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicles Loan
3.99%
5 Months
▼
APR3.99%
Term5 Months
Last UpdatedMay 22, 2026
Details
As Low As; * For Qualified Buyer
Mountain Laurel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
New Vehicle (2025- 2026) Loan
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
Mountain Laurel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
Used Vehicle (2018 - 2025) Loan
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
Fixed Rate Auto Loan 2018- 2027 Model Year
3.99%
Up to 60 Months
▼
APR3.99%
TermUp to 60 Months
Last UpdatedMay 29, 2026
Details
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
Auto Loans
3.99%
72 Months
▼
APR3.99%
Term72 Months
Last UpdatedMay 30, 2026
Details
As Low As; PROMO: YOUR KEYS. YOUR CAR. YOUR FREEDOM.
G.A.P. Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.65%
New Vehicle (2026, 2025)
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedMay 17, 2026
Details
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Autos
4.00%
Up to 36 months
▼
APR4.00%
TermUp to 36 months
Last UpdatedMay 22, 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 UpdatedMay 22, 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 UpdatedMay 23, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMay 29, 2026
Details
As Low As; All Years**
VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 8.57%
New Vehicle Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedJun 1, 2026
Details
Zero Down Payment
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
NEW OR USED VEHICLES 2025 to 2026 Loan
4.15%
3 Months
▼
APR4.15%
Term3 Months
Last UpdatedMay 22, 2026
Details
As Low As; 3 YEAR REPAY
Utilities Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.55%
Auto Loans
4.24%
up to 36
▼
APR4.24%
Termup to 36
Last UpdatedMay 20, 2026
Details
As Low As
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
New Auto Loans Model Years 2024-2026
4.24%
60 months
▼
APR4.24%
Term60 months
Last UpdatedMay 22, 2026
Details
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
Fixed Rate Auto Loan 2021 - 2027 Model Year
4.24%
Up to 84 Months
▼
APR4.24%
TermUp to 84 Months
Last UpdatedMay 29, 2026
Details
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New Autos | Never Titled
4.24%
53-64
▼
APR4.24%
Term53-64
Last UpdatedMay 29, 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 UpdatedMay 29, 2026
Details
Effective 5/13/2026
HIGH POINT
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
Auto Loan 2025 & newer
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedJun 1, 2026
Details
As Low As; Up to 48 Months
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
NEW OR USED VEHICLES 2025 to 2026 Loan
4.25%
4 Months
▼
APR4.25%
Term4 Months
Last UpdatedMay 22, 2026
Details
As Low As; 4 YEAR REPAY
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Autos 2022 and newer
4.25%
Up to 36 months
▼
APR4.25%
TermUp to 36 months
Last UpdatedMay 22, 2026
Details
80-90% NADA retail
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles Loan
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedMay 22, 2026
Details
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 UpdatedMay 23, 2026
Details
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 UpdatedMay 29, 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 UpdatedMay 29, 2026
Details
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
Used Autos 2026 - 2024
4.37%
41 - 52
▼
APR4.37%
Term41 - 52
Last UpdatedMay 29, 2026
Details
Choice One Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.18%
Auto Loan
4.39%
84 Months
▼
APR4.39%
Term84 Months
Last UpdatedMay 22, 2026
Details
As Low As; With terms up to 84 Months; 110% Financing on Vehicles; *This rate includes the .25% discount for Auto Pay.
Choice One Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.18%
New Car Loan
4.39%
84 Months
▼
APR4.39%
Term84 Months
Last UpdatedMay 22, 2026
Details
As Low As; With terms up to 84 Months; 110% Financing on Vehicles; *This rate includes the .25% discount for Auto Pay.
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
NEW Auto Loan
4.40%
36 Months
▼
APR4.40%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
HIGH POINT
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
Auto Loan 2022 - 2024
4.44%
48 Months
▼
APR4.44%
Term48 Months
Last UpdatedJun 1, 2026
Details
As Low As; Up to 48 Months
HIGH POINT
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
Auto Loan 2025 & newer
4.44%
60 Months
▼
APR4.44%
Term60 Months
Last UpdatedJun 1, 2026
Details
As Low As; 49-60 Months
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
New 2026 Auto Loan
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMay 18, 2026
Details
As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
New 2026 Auto Loans
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMay 18, 2026
Details
As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
Used 2024 - 2025 Auto Loan
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMay 18, 2026
Details
As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
Used 2024 - 2025 Auto Loans
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMay 18, 2026
Details
As Low As
Choice One Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.18%
Auto Loan
4.49%
84 Months
▼
APR4.49%
Term84 Months
Last UpdatedMay 22, 2026
Details
As Low As; With terms up to 84 months; This rate includes the .25% discount with Auto Pay.
Choice One Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.18%
Used Car Loan
4.49%
84 Months
▼
APR4.49%
Term84 Months
Last UpdatedMay 22, 2026
Details
As Low As; With terms up to 84 months; This rate includes the .25% discount with Auto Pay.
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
New Auto Loans Model Years 2024-2026
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedMay 22, 2026
Details
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
Fixed Rate Auto Loan 2016 - 2017 Model Year
4.49%
Up to 60 Months
▼
APR4.49%
TermUp to 60 Months
Last UpdatedMay 29, 2026
Details
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New Autos | Never Titled
4.49%
65-76
▼
APR4.49%
Term65-76
Last UpdatedMay 29, 2026
Details
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
Used Autos
4.49%
Up to 52
▼
APR4.49%
TermUp to 52
Last UpdatedMay 29, 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 UpdatedMay 29, 2026
Details
Effective 5/13/2026
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 UpdatedMay 30, 2026
Details
Locomotive And Control Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
New Vehicle Loan
4.50%
36 Month
▼
APR4.50%
Term36 Month
Last UpdatedMay 17, 2026
Details
G.A.P. Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.65%
New Vehicle (2026, 2025)
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 17, 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 UpdatedMay 22, 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 UpdatedMay 22, 2026
Details
80-90% NADA retail
Alcose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
New Vehicles 2025 - 2026 Loan
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 23, 2026
Details
As Low As; Up to 48 Months
Alcose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
New Vehicles 2025- 2026 Loan
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 23, 2026
Details
As Low As
Powered by
MonitorBankRates
Philadelphia New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
8500 Essington Ave Ste B, Philadelphia, PA, 19153 3716
New Auto
3.34%
36 Months
▼
APR3.34%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 36 Months
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
8500 Essington Ave Ste B, Philadelphia, PA, 19153 3716
New Auto
4.09%
60 Months
▼
APR4.09%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 60 months
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles Loan
4.39%
up to 36
▼
APR4.39%
Termup to 36
Last UpdatedJun 1, 2026
Details
As Low As; w/ Auto Pay Discount
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles Loan
4.49%
up to 36
▼
APR4.49%
Termup to 36
Last UpdatedJun 1, 2026
Details
As Low As
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
2970 Market St, Philadelphia, PA, 19104 5002
New Auto Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 21, 2026
Details
As Low As
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
2970 Market St, Philadelphia, PA, 19104 5002
New Vehicles Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 21, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 24 Months A+
4.70%
24 Months
▼
APR4.70%
Term24 Months
Last UpdatedMay 22, 2026
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
2970 Market St, Philadelphia, PA, 19104 5002
New Vehicles Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 21, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 24 Months A
4.75%
24 Months
▼
APR4.75%
Term24 Months
Last UpdatedMay 22, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 36 Months A+
4.80%
36 Months
▼
APR4.80%
Term36 Months
Last UpdatedMay 22, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 36 Months A
4.85%
36 Months
▼
APR4.85%
Term36 Months
Last UpdatedMay 22, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles Loan
4.89%
37 - 48
▼
APR4.89%
Term37 - 48
Last UpdatedJun 1, 2026
Details
As Low As; w/ Auto Pay Discount
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 24 Months B
4.90%
24 Months
▼
APR4.90%
Term24 Months
Last UpdatedMay 22, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 48 Months A+
4.90%
48 Months
▼
APR4.90%
Term48 Months
Last UpdatedMay 22, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 48 Months A
4.95%
48 Months
▼
APR4.95%
Term48 Months
Last UpdatedMay 22, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 63 Months A+
4.95%
63 Months
▼
APR4.95%
Term63 Months
Last UpdatedMay 22, 2026
Details
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
1801 Market St, Philadelphia, PA, 19103 1628
New Auto
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedMay 22, 2026
Details
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
1801 Market St, Philadelphia, PA, 19103 1628
Used Auto (2015 or newer)
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedMay 22, 2026
Details
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
1801 Market St, Philadelphia, PA, 19103 1628
Used Auto (2017 or newer)
4.99%
66 months
▼
APR4.99%
Term66 months
Last UpdatedMay 22, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles Loan
4.99%
37 - 48
▼
APR4.99%
Term37 - 48
Last UpdatedJun 1, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 36 Months B
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMay 22, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 63 Months A
5.00%
63 Months
▼
APR5.00%
Term63 Months
Last UpdatedMay 22, 2026
Details
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
300 Spring Garden St, Philadelphia, PA, 19123
New Auto Loan
5.10%
66 Months
▼
APR5.10%
Term66 Months
Last UpdatedMay 17, 2026
Details
As Low As; Up to $25,000
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
300 Spring Garden St, Philadelphia, PA, 19123
Used Same as New Auto Loan
5.10%
66 Months
▼
APR5.10%
Term66 Months
Last UpdatedMay 17, 2026
Details
As Low As; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 48 Months B
5.15%
48 Months
▼
APR5.15%
Term48 Months
Last UpdatedMay 22, 2026
Details
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
5.19%
1 - 63
▼
APR5.19%
Term1 - 63
Last UpdatedMay 18, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 75 Months A+
5.20%
75 Months
▼
APR5.20%
Term75 Months
Last UpdatedMay 22, 2026
Details
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
1801 Market St, Philadelphia, PA, 19103 1628
New Auto
5.24%
75 months
▼
APR5.24%
Term75 months
Last UpdatedMay 22, 2026
Details
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
1801 Market St, Philadelphia, PA, 19103 1628
Used Auto (2018 or newer)
5.24%
75 months
▼
APR5.24%
Term75 months
Last UpdatedMay 22, 2026
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.76%
2800 W Passyunk Ave, Philadelphia, PA, 19145 5206
New (<10K miles) 1-75 month term Bright Auto Loans
5.24%
75 Month
▼
APR5.24%
Term75 Month
Last UpdatedMay 29, 2026
Details
As Low As
Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.76%
2800 W Passyunk Ave, Philadelphia, PA, 19145 5206
New Bright Auto Loan
5.24%
1-75
▼
APR5.24%
Term1-75
Last UpdatedMay 29, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 63 Months B
5.30%
63 Months
▼
APR5.30%
Term63 Months
Last UpdatedMay 22, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 75 Months A
5.30%
75 Months
▼
APR5.30%
Term75 Months
Last UpdatedMay 22, 2026
Details
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
5.39%
64 - 75
▼
APR5.39%
Term64 - 75
Last UpdatedMay 18, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles Loan
5.39%
49 - 60
▼
APR5.39%
Term49 - 60
Last UpdatedJun 1, 2026
Details
As Low As; w/ Auto Pay Discount
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
5.44%
1 - 63
▼
APR5.44%
Term1 - 63
Last UpdatedMay 18, 2026
Details
As Low As
Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.76%
2800 W Passyunk Ave, Philadelphia, PA, 19145 5206
New Vehicle Loan
5.49%
1-75
▼
APR5.49%
Term1-75
Last UpdatedMay 29, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles Loan
5.49%
49 - 60
▼
APR5.49%
Term49 - 60
Last UpdatedJun 1, 2026
Details
As Low As
NORTHWOOD
Institution Rating:
A5.0 ★ Texas Ratio: 1.74%
6836 Castor Ave, Philadelphia, PA, 19149 2108
New Auto Loan
5.50%
3 yr
▼
APR5.50%
Term3 yr
Last UpdatedJun 1, 2026
Details
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
5.64%
64 - 75
▼
APR5.64%
Term64 - 75
Last UpdatedMay 18, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 24 Months C
5.70%
24 Months
▼
APR5.70%
Term24 Months
Last UpdatedMay 22, 2026
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.76%
2800 W Passyunk Ave, Philadelphia, PA, 19145 5206
New (<10K miles) 76-84 month term Bright Auto Loans
5.74%
84 Month
▼
APR5.74%
Term84 Month
Last UpdatedMay 29, 2026
Details
As Low As
Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.76%
2800 W Passyunk Ave, Philadelphia, PA, 19145 5206
New Bright Auto Loan
5.74%
76-84
▼
APR5.74%
Term76-84
Last UpdatedMay 29, 2026
Details
As Low As
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
2970 Market St, Philadelphia, PA, 19104 5002
New Vehicles Loan
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedMay 21, 2026
Details
As Low As
Eagle One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.42%
7500 Lindbergh Blvd, Philadelphia, PA, 19176
New/Used Auto
5.75%
36 Months
▼
APR5.75%
Term36 Months
Last UpdatedMay 21, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 84 Months A+
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedMay 22, 2026
Details
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
5.79%
76 - 84
▼
APR5.79%
Term76 - 84
Last UpdatedMay 18, 2026
Details
As Low As
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
300 Spring Garden St, Philadelphia, PA, 19123
New Auto Loan
5.80%
78 Months
▼
APR5.80%
Term78 Months
Last UpdatedMay 17, 2026
Details
As Low As; $15,000 to $35,000
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
300 Spring Garden St, Philadelphia, PA, 19123
Used Same as New Auto Loan
5.80%
78 Months
▼
APR5.80%
Term78 Months
Last UpdatedMay 17, 2026
Details
As Low As; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 75 Months B
5.80%
75 Months
▼
APR5.80%
Term75 Months
Last UpdatedMay 22, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 84 Months A
5.85%
84 Months
▼
APR5.85%
Term84 Months
Last UpdatedMay 22, 2026
Details
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
5.94%
1 - 63
▼
APR5.94%
Term1 - 63
Last UpdatedMay 18, 2026
Details
As Low As
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
1801 Market St, Philadelphia, PA, 19103 1628
New Auto
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedMay 22, 2026
Details
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
1801 Market St, Philadelphia, PA, 19103 1628
Used Auto (2021 or newer)
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedMay 22, 2026
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.76%
2800 W Passyunk Ave, Philadelphia, PA, 19145 5206
New Vehicle Loan
5.99%
76-84
▼
APR5.99%
Term76-84
Last UpdatedMay 29, 2026
Details
As Low As
NORTHWOOD
Institution Rating:
A5.0 ★ Texas Ratio: 1.74%
6836 Castor Ave, Philadelphia, PA, 19149 2108
New Auto Loan
5.99%
4 yr
▼
APR5.99%
Term4 yr
Last UpdatedJun 1, 2026
Details
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
6.04%
76 - 84
▼
APR6.04%
Term76 - 84
Last UpdatedMay 18, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 36 Months C
6.05%
36 Months
▼
APR6.05%
Term36 Months
Last UpdatedMay 22, 2026
Details
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
6.14%
64 - 75
▼
APR6.14%
Term64 - 75
Last UpdatedMay 18, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 84 Months B
6.35%
84 Months
▼
APR6.35%
Term84 Months
Last UpdatedMay 22, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles Loan
6.39%
61 - 72
▼
APR6.39%
Term61 - 72
Last UpdatedJun 1, 2026
Details
As Low As; w/ Auto Pay Discount
NORTHWOOD
Institution Rating:
A5.0 ★ Texas Ratio: 1.74%
6836 Castor Ave, Philadelphia, PA, 19149 2108
New Auto Loan
6.49%
5 yr
▼
APR6.49%
Term5 yr
Last UpdatedJun 1, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles Loan
6.49%
61 - 72
▼
APR6.49%
Term61 - 72
Last UpdatedJun 1, 2026
Details
As Low As
Eagle One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.42%
7500 Lindbergh Blvd, Philadelphia, PA, 19176
New/Used Auto
6.50%
60 Months
▼
APR6.50%
Term60 Months
Last UpdatedMay 21, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
6.54%
76 - 84
▼
APR6.54%
Term76 - 84
Last UpdatedMay 18, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
6.79%
85 - 96
▼
APR6.79%
Term85 - 96
Last UpdatedMay 18, 2026
Details
As Low As
NORTHWOOD
Institution Rating:
A5.0 ★ Texas Ratio: 1.74%
6836 Castor Ave, Philadelphia, PA, 19149 2108
New Auto Loan
6.99%
6 yr
▼
APR6.99%
Term6 yr
Last UpdatedJun 1, 2026
Details
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
7.04%
85 - 96
▼
APR7.04%
Term85 - 96
Last UpdatedMay 18, 2026
Details
As Low As
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
300 Spring Garden St, Philadelphia, PA, 19123
New Auto Loan
7.05%
84 Months
▼
APR7.05%
Term84 Months
Last UpdatedMay 17, 2026
Details
As Low As; $35,000+
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
300 Spring Garden St, Philadelphia, PA, 19123
Used Same as New Auto Loan
7.05%
84 Months
▼
APR7.05%
Term84 Months
Last UpdatedMay 17, 2026
Details
As Low As; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 48 Months C
7.15%
48 Months
▼
APR7.15%
Term48 Months
Last UpdatedMay 22, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles Loan
7.39%
73 - 84
▼
APR7.39%
Term73 - 84
Last UpdatedJun 1, 2026
Details
As Low As; w/ Auto Pay Discount
NORTHWOOD
Institution Rating:
A5.0 ★ Texas Ratio: 1.74%
6836 Castor Ave, Philadelphia, PA, 19149 2108
New Auto Loan
7.49%
7 yr
▼
APR7.49%
Term7 yr
Last UpdatedJun 1, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles Loan
7.49%
73 - 84
▼
APR7.49%
Term73 - 84
Last UpdatedJun 1, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
7.54%
85 - 96
▼
APR7.54%
Term85 - 96
Last UpdatedMay 18, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 63 Months C
7.55%
63 Months
▼
APR7.55%
Term63 Months
Last UpdatedMay 22, 2026
Details
Eagle One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.42%
7500 Lindbergh Blvd, Philadelphia, PA, 19176
New/Used Auto
7.75%
72 Months
▼
APR7.75%
Term72 Months
Last UpdatedMay 21, 2026
Details
As Low As
Eagle One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.42%
7500 Lindbergh Blvd, Philadelphia, PA, 19176
New/Used Auto
8.00%
84 Months
▼
APR8.00%
Term84 Months
Last UpdatedMay 21, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 75 Months C
8.70%
75 Months
▼
APR8.70%
Term75 Months
Last UpdatedMay 22, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 84 Months C
9.50%
84 Months
▼
APR9.50%
Term84 Months
Last UpdatedMay 22, 2026
Details
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
New Vehicles
2.75%
12 Months
▼
APR2.75%
Term12 Months
Last UpdatedMay 17, 2026
Details
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New Autos | Never Titled
3.24%
Up to 40
▼
APR3.24%
TermUp to 40
Last UpdatedMay 29, 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 UpdatedJun 1, 2026
Details
Zero Down Payment
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 29, 2026
Details
As Low As; All Years**
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 UpdatedJun 1, 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
▼
APR3.74%
Term41-52
Last UpdatedMay 29, 2026
Details
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 UpdatedMay 22, 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 UpdatedMay 22, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As; All Years**
Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.68%
New or Used Auto Loans
3.79%
36 Months
▼
APR3.79%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As; APR is Annual Percentage Rate. Click for details.
UFCW LOCAL 23
Institution Rating:
A+5.0 ★ Texas Ratio: 5.17%
New Auto 2025-2024
3.90%
6 Months
▼
APR3.90%
Term6 Months
Last UpdatedJun 1, 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 UpdatedMay 22, 2026
Details
Citymark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
New Car Loan
3.99%
96 Months
▼
APR3.99%
Term96 Months
Last UpdatedMay 22, 2026
Details
As Low As; (based on credit score)
UFCW Local 1776 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicles Loan
3.99%
5 Months
▼
APR3.99%
Term5 Months
Last UpdatedMay 22, 2026
Details
As Low As; * For Qualified Buyer
Mountain Laurel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
New Vehicle (2025- 2026) Loan
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
G.A.P. Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.65%
New Vehicle (2026, 2025)
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedMay 17, 2026
Details
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Autos
4.00%
Up to 36 months
▼
APR4.00%
TermUp to 36 months
Last UpdatedMay 22, 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 UpdatedMay 22, 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 UpdatedMay 23, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMay 29, 2026
Details
As Low As; All Years**
VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 8.57%
New Vehicle Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedJun 1, 2026
Details
Zero Down Payment
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
NEW OR USED VEHICLES 2025 to 2026 Loan
4.15%
3 Months
▼
APR4.15%
Term3 Months
Last UpdatedMay 22, 2026
Details
As Low As; 3 YEAR REPAY
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
New Auto Loans Model Years 2024-2026
4.24%
60 months
▼
APR4.24%
Term60 months
Last UpdatedMay 22, 2026
Details
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New Autos | Never Titled
4.24%
53-64
▼
APR4.24%
Term53-64
Last UpdatedMay 29, 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 UpdatedMay 29, 2026
Details
Effective 5/13/2026
HIGH POINT
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
Auto Loan 2025 & newer
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedJun 1, 2026
Details
As Low As; Up to 48 Months
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
NEW OR USED VEHICLES 2025 to 2026 Loan
4.25%
4 Months
▼
APR4.25%
Term4 Months
Last UpdatedMay 22, 2026
Details
As Low As; 4 YEAR REPAY
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Autos 2022 and newer
4.25%
Up to 36 months
▼
APR4.25%
TermUp to 36 months
Last UpdatedMay 22, 2026
Details
80-90% NADA retail
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles Loan
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedMay 22, 2026
Details
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 UpdatedMay 23, 2026
Details
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 UpdatedMay 29, 2026
Details
Choice One Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.18%
New Car Loan
4.39%
84 Months
▼
APR4.39%
Term84 Months
Last UpdatedMay 22, 2026
Details
As Low As; With terms up to 84 Months; 110% Financing on Vehicles; *This rate includes the .25% discount for Auto Pay.
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
NEW Auto Loan
4.40%
36 Months
▼
APR4.40%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
HIGH POINT
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
Auto Loan 2025 & newer
4.44%
60 Months
▼
APR4.44%
Term60 Months
Last UpdatedJun 1, 2026
Details
As Low As; 49-60 Months
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
New 2026 Auto Loan
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMay 18, 2026
Details
As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
New 2026 Auto Loans
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMay 18, 2026
Details
As Low As
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
New Auto Loans Model Years 2024-2026
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedMay 22, 2026
Details
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New Autos | Never Titled
4.49%
65-76
▼
APR4.49%
Term65-76
Last UpdatedMay 29, 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 UpdatedMay 29, 2026
Details
Effective 5/13/2026
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 UpdatedMay 30, 2026
Details
Locomotive And Control Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
New Vehicle Loan
4.50%
36 Month
▼
APR4.50%
Term36 Month
Last UpdatedMay 17, 2026
Details
G.A.P. Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.65%
New Vehicle (2026, 2025)
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 17, 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 UpdatedMay 22, 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 UpdatedMay 22, 2026
Details
80-90% NADA retail
Alcose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
New Vehicles 2025 - 2026 Loan
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 23, 2026
Details
As Low As; Up to 48 Months
Alcose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
New Vehicles 2025- 2026 Loan
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 23, 2026
Details
As Low As
Powered by
MonitorBankRates
Philadelphia Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
8500 Essington Ave Ste B, Philadelphia, PA, 19153 3716
Used Auto
3.84%
36 Months
▼
APR3.84%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 36 Months
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles Loan
4.39%
up to 36
▼
APR4.39%
Termup to 36
Last UpdatedJun 1, 2026
Details
As Low As; w/ Auto Pay Discount
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles Loan
4.49%
up to 36
▼
APR4.49%
Termup to 36
Last UpdatedJun 1, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
8500 Essington Ave Ste B, Philadelphia, PA, 19153 3716
Used Auto
4.59%
60 Months
▼
APR4.59%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 60 months
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles Loan
4.89%
37 - 48
▼
APR4.89%
Term37 - 48
Last UpdatedJun 1, 2026
Details
As Low As; w/ Auto Pay Discount
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
4.95%
24 Months
▼
APR4.95%
Term24 Months
Last UpdatedMay 22, 2026
Details
Credit Rating: A+
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
1801 Market St, Philadelphia, PA, 19103 1628
66-Month Used Auto Loan
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedMay 22, 2026
Details
As Low As
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
1801 Market St, Philadelphia, PA, 19103 1628
Used Auto (2015 or newer)
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedMay 22, 2026
Details
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
1801 Market St, Philadelphia, PA, 19103 1628
Used Auto (2017 or newer)
4.99%
66 months
▼
APR4.99%
Term66 months
Last UpdatedMay 22, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles Loan
4.99%
37 - 48
▼
APR4.99%
Term37 - 48
Last UpdatedJun 1, 2026
Details
As Low As
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
2970 Market St, Philadelphia, PA, 19104 5002
Used Auto Loan
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMay 21, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
5.05%
24 Months
▼
APR5.05%
Term24 Months
Last UpdatedMay 22, 2026
Details
Credit Rating: A
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
300 Spring Garden St, Philadelphia, PA, 19123
Used Same as New Auto Loan
5.10%
66 Months
▼
APR5.10%
Term66 Months
Last UpdatedMay 17, 2026
Details
As Low As; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
5.15%
36 Months
▼
APR5.15%
Term36 Months
Last UpdatedMay 22, 2026
Details
Credit Rating: A
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
5.19%
1 - 63
▼
APR5.19%
Term1 - 63
Last UpdatedMay 18, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
5.20%
24 Months
▼
APR5.20%
Term24 Months
Last UpdatedMay 22, 2026
Details
Credit Rating: B
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
1801 Market St, Philadelphia, PA, 19103 1628
Used Auto (2018 or newer)
5.24%
75 months
▼
APR5.24%
Term75 months
Last UpdatedMay 22, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedMay 22, 2026
Details
Credit Rating: A
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
5.30%
36 Months
▼
APR5.30%
Term36 Months
Last UpdatedMay 22, 2026
Details
Credit Rating: B
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
5.39%
64 - 75
▼
APR5.39%
Term64 - 75
Last UpdatedMay 18, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles Loan
5.39%
49 - 60
▼
APR5.39%
Term49 - 60
Last UpdatedJun 1, 2026
Details
As Low As; w/ Auto Pay Discount
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
5.44%
1 - 63
▼
APR5.44%
Term1 - 63
Last UpdatedMay 18, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
5.45%
48 Months
▼
APR5.45%
Term48 Months
Last UpdatedMay 22, 2026
Details
Credit Rating: B
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles Loan
5.49%
49 - 60
▼
APR5.49%
Term49 - 60
Last UpdatedJun 1, 2026
Details
As Low As
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
300 Spring Garden St, Philadelphia, PA, 19123
Used Auto Loan
5.50%
66 Months
▼
APR5.50%
Term66 Months
Last UpdatedMay 17, 2026
Details
As Low As; Up to 80% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
5.50%
75 Months
▼
APR5.50%
Term75 Months
Last UpdatedMay 22, 2026
Details
Credit Rating: A+
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
5.60%
63 Months
▼
APR5.60%
Term63 Months
Last UpdatedMay 22, 2026
Details
Credit Rating: B
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
5.64%
64 - 75
▼
APR5.64%
Term64 - 75
Last UpdatedMay 18, 2026
Details
As Low As
Eagle One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.42%
7500 Lindbergh Blvd, Philadelphia, PA, 19176
New/Used Auto
5.75%
36 Months
▼
APR5.75%
Term36 Months
Last UpdatedMay 21, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
5.79%
76 - 84
▼
APR5.79%
Term76 - 84
Last UpdatedMay 18, 2026
Details
As Low As
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
300 Spring Garden St, Philadelphia, PA, 19123
Used Same as New Auto Loan
5.80%
78 Months
▼
APR5.80%
Term78 Months
Last UpdatedMay 17, 2026
Details
As Low As; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
5.94%
1 - 63
▼
APR5.94%
Term1 - 63
Last UpdatedMay 18, 2026
Details
As Low As
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
1801 Market St, Philadelphia, PA, 19103 1628
Used Auto (2021 or newer)
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedMay 22, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
6.00%
24 Months
▼
APR6.00%
Term24 Months
Last UpdatedMay 22, 2026
Details
Credit Rating: C
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
6.04%
76 - 84
▼
APR6.04%
Term76 - 84
Last UpdatedMay 18, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
6.10%
75 Months
▼
APR6.10%
Term75 Months
Last UpdatedMay 22, 2026
Details
Credit Rating: B
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
6.14%
64 - 75
▼
APR6.14%
Term64 - 75
Last UpdatedMay 18, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
6.15%
84 Months
▼
APR6.15%
Term84 Months
Last UpdatedMay 22, 2026
Details
Credit Rating: A
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
6.35%
36 Months
▼
APR6.35%
Term36 Months
Last UpdatedMay 22, 2026
Details
Credit Rating: C
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles Loan
6.39%
61 - 72
▼
APR6.39%
Term61 - 72
Last UpdatedJun 1, 2026
Details
As Low As; w/ Auto Pay Discount
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
300 Spring Garden St, Philadelphia, PA, 19123
Used Auto Loan
6.40%
78 Months
▼
APR6.40%
Term78 Months
Last UpdatedMay 17, 2026
Details
As Low As; Up to 80% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles Loan
6.49%
61 - 72
▼
APR6.49%
Term61 - 72
Last UpdatedJun 1, 2026
Details
As Low As
Eagle One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.42%
7500 Lindbergh Blvd, Philadelphia, PA, 19176
New/Used Auto
6.50%
60 Months
▼
APR6.50%
Term60 Months
Last UpdatedMay 21, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
6.54%
76 - 84
▼
APR6.54%
Term76 - 84
Last UpdatedMay 18, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
6.65%
84 Months
▼
APR6.65%
Term84 Months
Last UpdatedMay 22, 2026
Details
Credit Rating: B
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
6.79%
85 - 96
▼
APR6.79%
Term85 - 96
Last UpdatedMay 18, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
7.04%
85 - 96
▼
APR7.04%
Term85 - 96
Last UpdatedMay 18, 2026
Details
As Low As
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
300 Spring Garden St, Philadelphia, PA, 19123
Used Same as New Auto Loan
7.05%
84 Months
▼
APR7.05%
Term84 Months
Last UpdatedMay 17, 2026
Details
As Low As; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles Loan
7.39%
73 - 84
▼
APR7.39%
Term73 - 84
Last UpdatedJun 1, 2026
Details
As Low As; w/ Auto Pay Discount
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
300 Spring Garden St, Philadelphia, PA, 19123
Used Auto Loan
7.40%
84 Months
▼
APR7.40%
Term84 Months
Last UpdatedMay 17, 2026
Details
As Low As; Up to 80% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
7.45%
48 Months
▼
APR7.45%
Term48 Months
Last UpdatedMay 22, 2026
Details
Credit Rating: C
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles Loan
7.49%
73 - 84
▼
APR7.49%
Term73 - 84
Last UpdatedJun 1, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
7.54%
85 - 96
▼
APR7.54%
Term85 - 96
Last UpdatedMay 18, 2026
Details
As Low As
Eagle One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.42%
7500 Lindbergh Blvd, Philadelphia, PA, 19176
New/Used Auto
7.75%
72 Months
▼
APR7.75%
Term72 Months
Last UpdatedMay 21, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
7.85%
63 Months
▼
APR7.85%
Term63 Months
Last UpdatedMay 22, 2026
Details
Credit Rating: C
NORTHWOOD
Institution Rating:
A5.0 ★ Texas Ratio: 1.74%
6836 Castor Ave, Philadelphia, PA, 19149 2108
Used Auto Loan
7.99%
4 Years
▼
APR7.99%
Term4 Years
Last UpdatedJun 1, 2026
Details
Eagle One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.42%
7500 Lindbergh Blvd, Philadelphia, PA, 19176
New/Used Auto
8.00%
84 Months
▼
APR8.00%
Term84 Months
Last UpdatedMay 21, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
9.00%
75 Months
▼
APR9.00%
Term75 Months
Last UpdatedMay 22, 2026
Details
Credit Rating: C
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
9.80%
84 Months
▼
APR9.80%
Term84 Months
Last UpdatedMay 22, 2026
Details
Credit Rating: C
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
Used Autos 2026 - 2024
3.49%
Up to 40
▼
APR3.49%
TermUp to 40
Last UpdatedMay 29, 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 UpdatedJun 1, 2026
Details
2016-2019
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 29, 2026
Details
As Low As; All Years**
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
3.75%
12 Months
▼
APR3.75%
Term12 Months
Last UpdatedMay 17, 2026
Details
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
3.75%
12 Months
▼
APR3.75%
Term12 Months
Last UpdatedMay 17, 2026
Details
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Used Vehicles - Up To 2 Years Old - 100% Financed
3.75%
12 Months
▼
APR3.75%
Term12 Months
Last UpdatedMay 17, 2026
Details
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 UpdatedMay 22, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As; All Years**
Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.68%
New or Used Auto Loans
3.79%
36 Months
▼
APR3.79%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As; APR is Annual Percentage Rate. Click for details.
Citymark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
Used Car Loan
3.99%
96 Months
▼
APR3.99%
Term96 Months
Last UpdatedMay 22, 2026
Details
As Low As; (based on credit score)
Mountain Laurel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
Used Vehicle (2018 - 2025) Loan
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
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 UpdatedMay 22, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMay 29, 2026
Details
As Low As; All Years**
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
NEW OR USED VEHICLES 2025 to 2026 Loan
4.15%
3 Months
▼
APR4.15%
Term3 Months
Last UpdatedMay 22, 2026
Details
As Low As; 3 YEAR REPAY
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 UpdatedMay 29, 2026
Details
Effective 5/13/2026
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
NEW OR USED VEHICLES 2025 to 2026 Loan
4.25%
4 Months
▼
APR4.25%
Term4 Months
Last UpdatedMay 22, 2026
Details
As Low As; 4 YEAR REPAY
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Autos 2022 and newer
4.25%
Up to 36 months
▼
APR4.25%
TermUp to 36 months
Last UpdatedMay 22, 2026
Details
80-90% NADA retail
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles Loan
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedMay 22, 2026
Details
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 UpdatedMay 23, 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 UpdatedMay 29, 2026
Details
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
Used Autos 2026 - 2024
4.37%
41 - 52
▼
APR4.37%
Term41 - 52
Last UpdatedMay 29, 2026
Details
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
Used 2024 - 2025 Auto Loan
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMay 18, 2026
Details
As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
Used 2024 - 2025 Auto Loans
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMay 18, 2026
Details
As Low As
Choice One Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.18%
Used Car Loan
4.49%
84 Months
▼
APR4.49%
Term84 Months
Last UpdatedMay 22, 2026
Details
As Low As; With terms up to 84 months; 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
▼
APR4.49%
TermUp to 52
Last UpdatedMay 29, 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 UpdatedMay 29, 2026
Details
Effective 5/13/2026
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 UpdatedMay 22, 2026
Details
80-90% NADA retail
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MonitorBankRates
Philadelphia, PA Auto Loan Rate Trends
Compare local 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
5.760%
▲ 0.003 vs 7 days ago
Pennsylvania new auto rates rose 0.003 points over the past 7 days to 5.760% APR.
Used Auto Loan — PA Avg
7.672%
▼ 0.025 vs 7 days ago
Pennsylvania used auto rates fell 0.025 points over the past 7 days to 7.672% APR.
As of Jun 4, 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 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 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 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 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 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 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 Philadelphia, Pennsylvania?
Based on our current data, some of the lowest auto loan rates available in Philadelphia, Pennsylvania include:
- American Airlines Federal Credit Union: 3.34% (New Auto)
- ADVANTAGE FINANCIAL: 4.39% (NEW or USED vehicles Loan)
- FedChoice Federal Credit Union: 4.50% (New Auto Loan)
- Reliance Federal Credit Union: 4.70% (New Auto Loans 24 Months A+)
- Franklin Mint Federal Credit Union: 4.99% (Auto Loans - 2023-2026 MODEL YEAR)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Philadelphia, Pennsylvania. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: June 1, 2026
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