Auto Loan Rates in Philadelphia, Pennsylvania (PA) for May 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: 2.63% offering New Auto at 3.74%, ADVANTAGE FINANCIALADVANTAGE FINANCIAL5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144A5.0 ★Texas Ratio: 12.00% offering NEW or USED vehicles at 4.39%, FedChoice Federal Credit UnionFedChoice Federal Credit Union2970 Market St, Philadelphia, PA, 19104 5002A5.0 ★Texas Ratio: 8.41% offering New Auto Loan at 4.50%, American Heritage Federal Credit UnionAmerican Heritage Federal Credit Union2060 Red Lion Rd, Philadelphia, PA, 19115 1603A5.0 ★Texas Ratio: 9.69% offering Auto Loan at 4.99%, Franklin Mint Federal Credit UnionFranklin Mint Federal Credit Union3200 Chestnut St, Philadelphia, PA, 19104 3395A5.0 ★Texas Ratio: 7.37% offering Auto Loans - 2023-2026 MODEL YEAR at 4.99%. Auto loan rates as of May 12, 2026 according to verified data from MonitorBankRates.
Philadelphia has 11 local institutions in our database, with auto loan rates as low as 3.74% 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: May 12, 2026
Compare Auto Loan Rates Today in Philadelphia, Pennsylvania & Surrounding Area
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: 2.63%
8500 Essington Ave Ste B, Philadelphia, PA, 19153 3716
New Auto
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedMay 7, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
8500 Essington Ave Ste B, Philadelphia, PA, 19153 3716
Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedMay 7, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles
4.39%
up to 36
▼
APR4.39%
Termup to 36
Last UpdatedMay 12, 2026
Details
As Low As; w/ Auto Pay Discount
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
8500 Essington Ave Ste B, Philadelphia, PA, 19153 3716
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedMay 7, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
Auto Loans
4.49%
up to 36 months
▼
APR4.49%
Termup to 36 months
Last UpdatedMay 12, 2026
Details
As Low As; w/ Auto Pay Discount: as low as 4.39%
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles
4.49%
up to 36
▼
APR4.49%
Termup to 36
Last UpdatedMay 12, 2026
Details
As Low As
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.41%
2970 Market St, Philadelphia, PA, 19104 5002
New Auto Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.41%
2970 Market St, Philadelphia, PA, 19104 5002
New Vehicles
4.50%
up to 60 mos.
▼
APR4.50%
Termup to 60 mos.
Last UpdatedMay 6, 2026
Details
As Low As
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.41%
2970 Market St, Philadelphia, PA, 19104 5002
New Vehicles
4.75%
61 to 72 mos.
▼
APR4.75%
Term61 to 72 mos.
Last UpdatedMay 6, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles
4.89%
37 - 48
▼
APR4.89%
Term37 - 48
Last UpdatedMay 12, 2026
Details
As Low As; w/ Auto Pay Discount
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
2060 Red Lion Rd, Philadelphia, PA, 19115 1603
Auto Loan
4.99%
Up to 63
▼
APR4.99%
TermUp to 63
Last UpdatedMay 6, 2026
Details
As Low As
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
3200 Chestnut St, Philadelphia, PA, 19104 3395
Auto Loans - 2023-2026 MODEL YEAR
4.99%
2026 Mo
▼
APR4.99%
Term2026 Mo
Last UpdatedMay 7, 2026
Details
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
1801 Market St, Philadelphia, PA, 19103 1628
66-Month Used Auto Loan
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedMay 7, 2026
Details
As Low As
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
1801 Market St, Philadelphia, PA, 19103 1628
New Auto
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedMay 7, 2026
Details
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
1801 Market St, Philadelphia, PA, 19103 1628
Used Auto (2015 or newer)
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedMay 7, 2026
Details
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
1801 Market St, Philadelphia, PA, 19103 1628
Used Auto (2017 or newer)
4.99%
66 months
▼
APR4.99%
Term66 months
Last UpdatedMay 7, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
8500 Essington Ave Ste B, Philadelphia, PA, 19153 3716
Used Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 7, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
Auto Loans
4.99%
37 - 48 months
▼
APR4.99%
Term37 - 48 months
Last UpdatedMay 12, 2026
Details
As Low As; w/ Auto Pay Discount: as low as 4.89%
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles
4.99%
37 - 48
▼
APR4.99%
Term37 - 48
Last UpdatedMay 12, 2026
Details
As Low As
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.41%
2970 Market St, Philadelphia, PA, 19104 5002
Used Auto Loan
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMay 6, 2026
Details
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
5.19%
1 - 63
▼
APR5.19%
Term1 - 63
Last UpdatedMay 10, 2026
Details
As Low As
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
2060 Red Lion Rd, Philadelphia, PA, 19115 1603
Auto Loan
5.24%
64 to 75
▼
APR5.24%
Term64 to 75
Last UpdatedMay 6, 2026
Details
As Low As
Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.22%
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 6, 2026
Details
As Low As
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
1801 Market St, Philadelphia, PA, 19103 1628
New Auto
5.24%
75 months
▼
APR5.24%
Term75 months
Last UpdatedMay 7, 2026
Details
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
1801 Market St, Philadelphia, PA, 19103 1628
Used Auto (2018 or newer)
5.24%
75 months
▼
APR5.24%
Term75 months
Last UpdatedMay 7, 2026
Details
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
5.39%
64 - 75
▼
APR5.39%
Term64 - 75
Last UpdatedMay 10, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles
5.39%
49 - 60
▼
APR5.39%
Term49 - 60
Last UpdatedMay 12, 2026
Details
As Low As; w/ Auto Pay Discount
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
5.44%
1 - 63
▼
APR5.44%
Term1 - 63
Last UpdatedMay 10, 2026
Details
As Low As
Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.22%
2800 W Passyunk Ave, Philadelphia, PA, 19145 5206
Used (2021-2026) 1-75 month term Bright Auto Loans
5.49%
75 Month
▼
APR5.49%
Term75 Month
Last UpdatedMay 6, 2026
Details
As Low As
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
3200 Chestnut St, Philadelphia, PA, 19104 3395
Auto Loans - 2023-2026 MODEL YEAR
5.49%
2026 Mo
▼
APR5.49%
Term2026 Mo
Last UpdatedMay 7, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
Auto Loans
5.49%
49 - 60 months
▼
APR5.49%
Term49 - 60 months
Last UpdatedMay 12, 2026
Details
As Low As; w/ Auto Pay Discount: as low as 5.39%
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles
5.49%
49 - 60
▼
APR5.49%
Term49 - 60
Last UpdatedMay 12, 2026
Details
As Low As
NORTHWOOD
Institution Rating:
A5.0 ★ Texas Ratio: 6.85%
6836 Castor Ave, Philadelphia, PA, 19149 2108
New Auto Loan
5.50%
3 yr
▼
APR5.50%
Term3 yr
Last UpdatedMay 12, 2026
Details
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
7350 Large St, Philadelphia, PA, 19152
Auto Loans
5.54%
Up to 63 Months
▼
APR5.54%
TermUp to 63 Months
Last UpdatedMay 10, 2026
Details
As Low As; 2027 - 2024
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
5.64%
64 - 75
▼
APR5.64%
Term64 - 75
Last UpdatedMay 10, 2026
Details
As Low As
Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.22%
2800 W Passyunk Ave, Philadelphia, PA, 19145 5206
Bright Auto Loans Used (2020 & Older) 1-51 month term
5.74%
51 Month
▼
APR5.74%
Term51 Month
Last UpdatedMay 6, 2026
Details
As Low As
Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.22%
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 6, 2026
Details
As Low As
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
1801 Market St, Philadelphia, PA, 19103 1628
First-Time Buyer Auto Loan
5.74%
75 months
▼
APR5.74%
Term75 months
Last UpdatedMay 7, 2026
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.41%
2970 Market St, Philadelphia, PA, 19104 5002
New Vehicles
5.75%
73 to 84 mos.
▼
APR5.75%
Term73 to 84 mos.
Last UpdatedMay 6, 2026
Details
As Low As
Eagle One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.26%
7500 Lindbergh Blvd, Philadelphia, PA, 19176
New/Used Auto
5.75%
36 Months
▼
APR5.75%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
5.79%
76 - 84
▼
APR5.79%
Term76 - 84
Last UpdatedMay 10, 2026
Details
As Low As
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
7350 Large St, Philadelphia, PA, 19152
Auto Loans
5.79%
64 - 75 Months
▼
APR5.79%
Term64 - 75 Months
Last UpdatedMay 10, 2026
Details
As Low As; 2027 - 2024
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
5.94%
1 - 63
▼
APR5.94%
Term1 - 63
Last UpdatedMay 10, 2026
Details
As Low As
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
2060 Red Lion Rd, Philadelphia, PA, 19115 1603
Auto Loan
5.99%
76 - 84
▼
APR5.99%
Term76 - 84
Last UpdatedMay 6, 2026
Details
As Low As
Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.22%
2800 W Passyunk Ave, Philadelphia, PA, 19145 5206
Used (2021-2026) 76-84 month term Bright Auto Loans
5.99%
84 Month
▼
APR5.99%
Term84 Month
Last UpdatedMay 6, 2026
Details
As Low As
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
3200 Chestnut St, Philadelphia, PA, 19104 3395
Auto Loans - 2021-2022 MODEL YEAR
5.99%
2022 Mo
▼
APR5.99%
Term2022 Mo
Last UpdatedMay 7, 2026
Details
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
1801 Market St, Philadelphia, PA, 19103 1628
New Auto
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedMay 7, 2026
Details
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
1801 Market St, Philadelphia, PA, 19103 1628
Used Auto (2021 or newer)
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedMay 7, 2026
Details
NORTHWOOD
Institution Rating:
A5.0 ★ Texas Ratio: 6.85%
6836 Castor Ave, Philadelphia, PA, 19149 2108
New Auto Loan
5.99%
4 yr
▼
APR5.99%
Term4 yr
Last UpdatedMay 12, 2026
Details
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
6.04%
76 - 84
▼
APR6.04%
Term76 - 84
Last UpdatedMay 10, 2026
Details
As Low As
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
7350 Large St, Philadelphia, PA, 19152
Auto Loans
6.04%
64 - 75 Months
▼
APR6.04%
Term64 - 75 Months
Last UpdatedMay 10, 2026
Details
As Low As; 2023 - 2022
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
6.14%
64 - 75
▼
APR6.14%
Term64 - 75
Last UpdatedMay 10, 2026
Details
As Low As
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
7350 Large St, Philadelphia, PA, 19152
Auto Loans
6.19%
Up to 63 Months
▼
APR6.19%
TermUp to 63 Months
Last UpdatedMay 10, 2026
Details
As Low As; 2021 - 2018
Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.22%
2800 W Passyunk Ave, Philadelphia, PA, 19145 5206
Bright Auto Loans Used (2020 & Older) 52-60 month term
6.24%
60 Month
▼
APR6.24%
Term60 Month
Last UpdatedMay 6, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles
6.39%
61 - 72
▼
APR6.39%
Term61 - 72
Last UpdatedMay 12, 2026
Details
As Low As; w/ Auto Pay Discount
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
7350 Large St, Philadelphia, PA, 19152
Auto Loans
6.44%
76 - 84 Months
▼
APR6.44%
Term76 - 84 Months
Last UpdatedMay 10, 2026
Details
As Low As; 2027 - 2024
NORTHWOOD
Institution Rating:
A5.0 ★ Texas Ratio: 6.85%
6836 Castor Ave, Philadelphia, PA, 19149 2108
New Auto Loan
6.49%
5 yr
▼
APR6.49%
Term5 yr
Last UpdatedMay 12, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
Auto Loans
6.49%
61 - 72 months
▼
APR6.49%
Term61 - 72 months
Last UpdatedMay 12, 2026
Details
As Low As; w/ Auto Pay Discount: as low as 6.39%
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles
6.49%
61 - 72
▼
APR6.49%
Term61 - 72
Last UpdatedMay 12, 2026
Details
As Low As
Eagle One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.26%
7500 Lindbergh Blvd, Philadelphia, PA, 19176
New/Used Auto
6.50%
60 Months
▼
APR6.50%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
6.54%
76 - 84
▼
APR6.54%
Term76 - 84
Last UpdatedMay 10, 2026
Details
As Low As
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
7350 Large St, Philadelphia, PA, 19152
Auto Loans
6.54%
64 - 72 Months
▼
APR6.54%
Term64 - 72 Months
Last UpdatedMay 10, 2026
Details
As Low As; 2021 - 2018
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
6.79%
85 - 96
▼
APR6.79%
Term85 - 96
Last UpdatedMay 10, 2026
Details
As Low As
NORTHWOOD
Institution Rating:
A5.0 ★ Texas Ratio: 6.85%
6836 Castor Ave, Philadelphia, PA, 19149 2108
New Auto Loan
6.99%
6 yr
▼
APR6.99%
Term6 yr
Last UpdatedMay 12, 2026
Details
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
7.04%
85 - 96
▼
APR7.04%
Term85 - 96
Last UpdatedMay 10, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles
7.39%
73 - 84
▼
APR7.39%
Term73 - 84
Last UpdatedMay 12, 2026
Details
As Low As; w/ Auto Pay Discount
NORTHWOOD
Institution Rating:
A5.0 ★ Texas Ratio: 6.85%
6836 Castor Ave, Philadelphia, PA, 19149 2108
New Auto Loan
7.49%
7 yr
▼
APR7.49%
Term7 yr
Last UpdatedMay 12, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
Auto Loans
7.49%
73 - 84 months
▼
APR7.49%
Term73 - 84 months
Last UpdatedMay 12, 2026
Details
As Low As; w/ Auto Pay Discount: as low as 7.39%
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles
7.49%
73 - 84
▼
APR7.49%
Term73 - 84
Last UpdatedMay 12, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
7.54%
85 - 96
▼
APR7.54%
Term85 - 96
Last UpdatedMay 10, 2026
Details
As Low As
Eagle One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.26%
7500 Lindbergh Blvd, Philadelphia, PA, 19176
New/Used Auto
7.75%
72 Months
▼
APR7.75%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As
NORTHWOOD
Institution Rating:
A5.0 ★ Texas Ratio: 6.85%
6836 Castor Ave, Philadelphia, PA, 19149 2108
Used Auto Loan
7.99%
4 Years
▼
APR7.99%
Term4 Years
Last UpdatedMay 12, 2026
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.41%
2970 Market St, Philadelphia, PA, 19104 5002
Leisure Vehicle Loan
8.00%
up to 84 mos.
▼
APR8.00%
Termup to 84 mos.
Last UpdatedMay 6, 2026
Details
As Low As; Includes Personal Watercraft and Snowmobiles.
Eagle One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.26%
7500 Lindbergh Blvd, Philadelphia, PA, 19176
New/Used Auto
8.00%
84 Months
▼
APR8.00%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
2060 Red Lion Rd, Philadelphia, PA, 19115 1603
Auto Loan
8.94%
Up to 63 Months
▼
APR8.94%
TermUp to 63 Months
Last UpdatedMay 6, 2026
Details
As Low As
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.41%
2970 Market St, Philadelphia, PA, 19104 5002
Leisure Vehicle Loan
9.25%
85 to 120 mos.
▼
APR9.25%
Term85 to 120 mos.
Last UpdatedMay 6, 2026
Details
As Low As; Includes Personal Watercraft and Snowmobiles.
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
2060 Red Lion Rd, Philadelphia, PA, 19115 1603
Auto Loan
9.44%
64 to 75 Months
▼
APR9.44%
Term64 to 75 Months
Last UpdatedMay 6, 2026
Details
As Low As
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.41%
2970 Market St, Philadelphia, PA, 19104 5002
Leisure Vehicle Loan
9.75%
121 to 144 mos.
▼
APR9.75%
Term121 to 144 mos.
Last UpdatedMay 6, 2026
Details
As Low As; Includes Personal Watercraft and Snowmobiles.
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
New Vehicles
2.75%
12 Months
▼
APR2.75%
Term12 Months
Last UpdatedMay 6, 2026
Details
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
New Autos | Never Titled
3.24%
Up to 40
▼
APR3.24%
TermUp to 40
Last UpdatedMay 6, 2026
Details
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Autos 2026 - 2024
3.49%
Up to 40 Months
▼
APR3.49%
TermUp to 40 Months
Last UpdatedMay 6, 2026
Details
APR3.49%
Term36 Months
Last UpdatedMay 12, 2026
Details
Zero Down Payment
APR3.49%
Term36 Months
Last UpdatedMay 12, 2026
Details
2016-2019
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As; All Years**
UFCW COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
New Vehicle Loans
3.70%
Up to 84 months
▼
APR3.70%
TermUp to 84 months
Last UpdatedMay 12, 2026
Details
As Low As
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
New Autos | Never Titled
3.74%
41-52
▼
APR3.74%
Term41-52
Last UpdatedMay 6, 2026
Details
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
Used Vehicles - (3-4 Years Old) JD Power Book Price - 90% Financed
3.75%
12 Months
▼
APR3.75%
Term12 Months
Last UpdatedMay 6, 2026
Details
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
Used Vehicles - (5 Years & Older) JD Power Book Price - 85% Financed
3.75%
12 Months
▼
APR3.75%
Term12 Months
Last UpdatedMay 6, 2026
Details
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
Used Vehicles - Up To 2 Years Old - 100% Financed
3.75%
12 Months
▼
APR3.75%
Term12 Months
Last UpdatedMay 6, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As; All Years**
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New Vehicles
3.75%
84 Months
▼
APR3.75%
Term84 Months
Last UpdatedMay 7, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
New or Used Auto Loans
3.79%
36 Months
▼
APR3.79%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As
Stanwood Area Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.48%
New Auto
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 6, 2026
Details
Citymark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
New Car
3.99%
96 Months
▼
APR3.99%
Term96 Months
Last UpdatedMay 7, 2026
Details
As Low As; (based on credit score)
Citymark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
Used Car
3.99%
96 Months
▼
APR3.99%
Term96 Months
Last UpdatedMay 7, 2026
Details
As Low As; (based on credit score)
UFCW Local 1776 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicles
3.99%
5 Months
▼
APR3.99%
Term5 Months
Last UpdatedMay 7, 2026
Details
As Low As; * For Qualified Buyer
Mountain Laurel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
New Vehicle (2025- 2026)
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As
Mountain Laurel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
Used Vehicle (2018 - 2025)
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
Auto Loans
3.99%
72 Months
▼
APR3.99%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
G.A.P. Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Vehicle (2026, 2025)
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedMay 6, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As; All Years**
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 7, 2026
Details
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★
New Autos
4.00%
Up to 36 months
▼
APR4.00%
TermUp to 36 months
Last UpdatedMay 10, 2026
Details
APR4.00%
Term60 Months
Last UpdatedMay 12, 2026
Details
Zero Down Payment
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.15%
3 Months
▼
APR4.15%
Term3 Months
Last UpdatedMay 7, 2026
Details
As Low As; 3 YEAR REPAY
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
New Autos | Never Titled
4.24%
53-64
▼
APR4.24%
Term53-64
Last UpdatedMay 6, 2026
Details
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Car 2027-2024 Model Year
4.24%
24 Months
▼
APR4.24%
Term24 Months
Last UpdatedMay 6, 2026
Details
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
New Auto Loans Model Years 2024-2026
4.24%
up to 60 months
▼
APR4.24%
Termup to 60 months
Last UpdatedMay 7, 2026
Details
Utilities Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
Auto Loans
4.24%
up to 36
▼
APR4.24%
Termup to 36
Last UpdatedMay 10, 2026
Details
As Low As
APR4.24%
Term48 Months
Last UpdatedMay 12, 2026
Details
As Low As; 2025 & newer
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.25%
4 Months
▼
APR4.25%
Term4 Months
Last UpdatedMay 7, 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 7, 2026
Details
80-90% NADA retail
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★
Used Autos 2021 and newer
4.25%
Up to 36 months 80-90% NADA retail
▼
APR4.25%
TermUp to 36 months 80-90% NADA retail
Last UpdatedMay 10, 2026
Details
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Autos 2026 - 2024
4.37%
41 - 52 months
▼
APR4.37%
Term41 - 52 months
Last UpdatedMay 6, 2026
Details
Choice One Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.55%
Auto Loan
4.39%
84 Months
▼
APR4.39%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As; With terms up to 84 Months; 110% Financing on Vehicles; *This rate includes the .25% discount for Auto Pay.
Choice One Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.55%
New Car Loan
4.39%
84 Months
▼
APR4.39%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As; 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: 6.11%
NEW Auto Loan
4.40%
36 Months
▼
APR4.40%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As
APR4.44%
Term48 Months
Last UpdatedMay 12, 2026
Details
As Low As; 2024 & Older
Choice One Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.55%
Auto Loan
4.49%
84 months
▼
APR4.49%
Term84 months
Last UpdatedMay 6, 2026
Details
As Low As; This rate includes the .25% discount with Auto Pay.
Choice One Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.55%
Used Car Loan
4.49%
84 Months
▼
APR4.49%
Term84 Months
Last UpdatedMay 6, 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: 5.15%
New Autos | Never Titled
4.49%
65-76
▼
APR4.49%
Term65-76
Last UpdatedMay 6, 2026
Details
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Autos
4.49%
Up to 52
▼
APR4.49%
TermUp to 52
Last UpdatedMay 6, 2026
Details
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Car 2027-2024 Model Year
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 6, 2026
Details
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
New Auto Loans Model Years 2024-2026
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedMay 7, 2026
Details
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
New Vehicles
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 7, 2026
Details
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
New Vehicles Auto Loans
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
New 2026 Auto Loan
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMay 10, 2026
Details
As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
New 2026 Auto Loans
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMay 10, 2026
Details
As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
Used 2024 - 2025 Auto Loan
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMay 10, 2026
Details
As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
Used 2024 - 2025 Auto Loans
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMay 10, 2026
Details
As Low As
Locomotive And Control Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
New Vehicle Loan
4.50%
36 Month
▼
APR4.50%
Term36 Month
Last UpdatedMay 6, 2026
Details
G.A.P. Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Vehicle (2026, 2025)
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 6, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As; 2020 or Newer**
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 7, 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 7, 2026
Details
80-90% NADA retail
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★
New Autos
4.50%
48 to 60 months 100% MSRP
▼
APR4.50%
Term48 to 60 months 100% MSRP
Last UpdatedMay 10, 2026
Details
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★
Used Autos 2021 and newer
4.50%
48 to 60 months 80-90% NADA retail
▼
APR4.50%
Term48 to 60 months 80-90% NADA retail
Last UpdatedMay 10, 2026
Details
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
New & Used Auto Loans (2020 and Newer)
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 10, 2026
Details
FICO Score 750+
Alcose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Vehicles 2025 - 2026
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As; Up to 48 Months with an APR*
Alcose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Vehicles 2025- 2026
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
APR4.50%
Term72 Months
Last UpdatedMay 12, 2026
Details
Zero Down Payment
APR4.50%
Term60 Months
Last UpdatedMay 12, 2026
Details
2022 - NEWER
APR4.50%
Term72 months
Last UpdatedMay 12, 2026
Details
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
New 2026 Auto Loan
4.64%
36 Months
▼
APR4.64%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
New 2026 Auto Loans
4.64%
36 Months
▼
APR4.64%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
Used 2024 - 2025 Auto Loan
4.64%
36 Months
▼
APR4.64%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
Used 2024 - 2025 Auto Loans
4.64%
36 Months
▼
APR4.64%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As
APR4.64%
Term49-60
Last UpdatedMay 12, 2026
Details
As Low As; 2024 & Older
Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.48%
New Vehicle Loan
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedMay 10, 2026
Details
Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.48%
Used Vehicle Loan
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedMay 10, 2026
Details
Some Restrictions Apply Vehicles 2017 or newer
Lehigh Valley Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
New Auto Loan
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As
Lehigh Valley Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
Used Auto Loan
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As
Fayette County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Vehicles 2026, 2025, 2024
4.70%
36 Months
▼
APR4.70%
Term36 Months
Last UpdatedMay 10, 2026
Details
United Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
New Automobile (2026 and 2025 Model Years)
4.74%
60 Mos
▼
APR4.74%
Term60 Mos
Last UpdatedMay 6, 2026
Details
As Low As
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Autos 2026 - 2024
4.74%
53 - 64 months
▼
APR4.74%
Term53 - 64 months
Last UpdatedMay 6, 2026
Details
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
New Auto Loans Model Years 2024-2026
4.74%
84 months
▼
APR4.74%
Term84 months
Last UpdatedMay 7, 2026
Details
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
Used Auto Loans Model Years 2021-2023
4.74%
up to 60 months
▼
APR4.74%
Termup to 60 months
Last UpdatedMay 7, 2026
Details
APR4.74%
Term61-75
Last UpdatedMay 12, 2026
Details
As Low As; 2025 & newer
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.75%
5 Months
▼
APR4.75%
Term5 Months
Last UpdatedMay 7, 2026
Details
As Low As; 5 YEAR REPAY
Visionary Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.88%
New Vehicle - 2025 and Newer
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles
4.75%
84 Months
▼
APR4.75%
Term84 Months
Last UpdatedMay 7, 2026
Details
As Low As
Altoona Area Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
Used Auto Loans
4.75%
61-72 months
▼
APR4.75%
Term61-72 months
Last UpdatedMay 7, 2026
Details
Altoona Area Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
Used Auto Loans
4.75%
Up to 60 months
▼
APR4.75%
TermUp to 60 months
Last UpdatedMay 7, 2026
Details
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
Used Vehicles
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMay 7, 2026
Details
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
Used Vehicles Auto Loans
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
New & Used Auto Loans (2020 and Newer)
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 10, 2026
Details
FICO Score 750+
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
Used Auto Loan (2019 and Older)
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMay 10, 2026
Details
FICO Score 750+
APR4.75%
Term72 Months
Last UpdatedMay 12, 2026
Details
2022 - NEWER**
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
New 2026 Auto Loan
4.79%
48 Months
▼
APR4.79%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
New 2026 Auto Loans
4.79%
48 Months
▼
APR4.79%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
Used 2024 - 2025 Auto Loan
4.79%
48 Months
▼
APR4.79%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
Used 2024 - 2025 Auto Loans
4.79%
48 Months
▼
APR4.79%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Car 2027-2024 Model Year
4.87%
48 Months
▼
APR4.87%
Term48 Months
Last UpdatedMay 6, 2026
Details
Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.48%
Used Vehicle Loan
4.89%
48 Months
▼
APR4.89%
Term48 Months
Last UpdatedMay 10, 2026
Details
Some Restrictions Apply Vehicles 2017 or newer
Diamond Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
Auto Loan
4.89%
72 Months
▼
APR4.89%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As; for loans up to 72 months, or 5.45% APR* for loans up to 84 months.
USX
Institution Rating:
A+5.0 ★ Texas Ratio: 5.49%
New and Used Vehicles Model years 2026-2025-2024-2023
4.89%
Up to 48
▼
APR4.89%
TermUp to 48
Last UpdatedMay 12, 2026
Details
P&G Mehoopany Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
New and Used Auto Loan
4.90%
Up to 96 Months
▼
APR4.90%
TermUp to 96 Months
Last UpdatedMay 7, 2026
Details
Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.48%
New Vehicle Loan
4.90%
48 Months
▼
APR4.90%
Term48 Months
Last UpdatedMay 10, 2026
Details
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★ Texas Ratio: 5.20%
Auto Loan 12 Months
4.94%
12 Months
▼
APR4.94%
Term12 Months
Last UpdatedMay 6, 2026
Details
As Low As
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★ Texas Ratio: 5.20%
Auto Loan 24 Months
4.94%
24 Months
▼
APR4.94%
Term24 Months
Last UpdatedMay 6, 2026
Details
As Low As
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★ Texas Ratio: 5.20%
Auto Loan 36 Months
4.94%
36 Months
▼
APR4.94%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★ Texas Ratio: 5.20%
Auto Loan 48 Months
4.94%
48 Months
▼
APR4.94%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
Used Auto Loans Model Years 2021-2023
4.94%
72 months
▼
APR4.94%
Term72 months
Last UpdatedMay 7, 2026
Details
APR4.94%
Term61-75
Last UpdatedMay 12, 2026
Details
As Low As; 2024 & Older
Bethlehem 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
New Vehicle
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedMay 6, 2026
Details
As Low As
Bethlehem 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
Used Vehicles (2019-2025)
4.99%
1-4 Years
▼
APR4.99%
Term1-4 Years
Last UpdatedMay 6, 2026
Details
As Low As
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.63%
New Vehicle Loans (2026-2025) †3 Years
4.99%
3 Months
▼
APR4.99%
Term3 Months
Last UpdatedMay 6, 2026
Details
As Low As
Multi-Schools Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.85%
New Car Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As
Top Tier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.44%
New & Used Auto (2026-2023)
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As
Benchmark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Auto Loans - 2023-2026 MODEL YEAR
4.99%
2026 Mo
▼
APR4.99%
Term2026 Mo
Last UpdatedMay 6, 2026
Details
Upper Darby Bell Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
Used Car Loans (Model Year 2019 - 2025)
4.99%
24 months
▼
APR4.99%
Term24 months
Last UpdatedMay 6, 2026
Details
As Low As
Steel Strong Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
New Auto
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
United Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Used Automobile (2025-2023 Model Years)
4.99%
60 Mos
▼
APR4.99%
Term60 Mos
Last UpdatedMay 6, 2026
Details
As Low As
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Autos
4.99%
53 - 64
▼
APR4.99%
Term53 - 64
Last UpdatedMay 6, 2026
Details
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Autos 2026 - 2024
4.99%
65 - 76 months
▼
APR4.99%
Term65 - 76 months
Last UpdatedMay 6, 2026
Details
CACL Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.30%
New Vehicle
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 6, 2026
Details
CACL Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.30%
Older Used Vehicle
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedMay 6, 2026
Details
Powered by
MonitorBankRates
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: 2.63%
8500 Essington Ave Ste B, Philadelphia, PA, 19153 3716
New Auto
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedMay 7, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles
4.39%
up to 36
▼
APR4.39%
Termup to 36
Last UpdatedMay 12, 2026
Details
As Low As; w/ Auto Pay Discount
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
8500 Essington Ave Ste B, Philadelphia, PA, 19153 3716
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedMay 7, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles
4.49%
up to 36
▼
APR4.49%
Termup to 36
Last UpdatedMay 12, 2026
Details
As Low As
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.41%
2970 Market St, Philadelphia, PA, 19104 5002
New Auto Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.41%
2970 Market St, Philadelphia, PA, 19104 5002
New Vehicles
4.50%
up to 60 mos.
▼
APR4.50%
Termup to 60 mos.
Last UpdatedMay 6, 2026
Details
As Low As
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.41%
2970 Market St, Philadelphia, PA, 19104 5002
New Vehicles
4.75%
61 to 72 mos.
▼
APR4.75%
Term61 to 72 mos.
Last UpdatedMay 6, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles
4.89%
37 - 48
▼
APR4.89%
Term37 - 48
Last UpdatedMay 12, 2026
Details
As Low As; w/ Auto Pay Discount
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
1801 Market St, Philadelphia, PA, 19103 1628
New Auto
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedMay 7, 2026
Details
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
1801 Market St, Philadelphia, PA, 19103 1628
Used Auto (2015 or newer)
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedMay 7, 2026
Details
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
1801 Market St, Philadelphia, PA, 19103 1628
Used Auto (2017 or newer)
4.99%
66 months
▼
APR4.99%
Term66 months
Last UpdatedMay 7, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles
4.99%
37 - 48
▼
APR4.99%
Term37 - 48
Last UpdatedMay 12, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
5.19%
1 - 63
▼
APR5.19%
Term1 - 63
Last UpdatedMay 10, 2026
Details
As Low As
Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.22%
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 6, 2026
Details
As Low As
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
1801 Market St, Philadelphia, PA, 19103 1628
New Auto
5.24%
75 months
▼
APR5.24%
Term75 months
Last UpdatedMay 7, 2026
Details
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
1801 Market St, Philadelphia, PA, 19103 1628
Used Auto (2018 or newer)
5.24%
75 months
▼
APR5.24%
Term75 months
Last UpdatedMay 7, 2026
Details
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
5.39%
64 - 75
▼
APR5.39%
Term64 - 75
Last UpdatedMay 10, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles
5.39%
49 - 60
▼
APR5.39%
Term49 - 60
Last UpdatedMay 12, 2026
Details
As Low As; w/ Auto Pay Discount
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
5.44%
1 - 63
▼
APR5.44%
Term1 - 63
Last UpdatedMay 10, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles
5.49%
49 - 60
▼
APR5.49%
Term49 - 60
Last UpdatedMay 12, 2026
Details
As Low As
NORTHWOOD
Institution Rating:
A5.0 ★ Texas Ratio: 6.85%
6836 Castor Ave, Philadelphia, PA, 19149 2108
New Auto Loan
5.50%
3 yr
▼
APR5.50%
Term3 yr
Last UpdatedMay 12, 2026
Details
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
5.64%
64 - 75
▼
APR5.64%
Term64 - 75
Last UpdatedMay 10, 2026
Details
As Low As
Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.22%
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 6, 2026
Details
As Low As
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.41%
2970 Market St, Philadelphia, PA, 19104 5002
New Vehicles
5.75%
73 to 84 mos.
▼
APR5.75%
Term73 to 84 mos.
Last UpdatedMay 6, 2026
Details
As Low As
Eagle One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.26%
7500 Lindbergh Blvd, Philadelphia, PA, 19176
New/Used Auto
5.75%
36 Months
▼
APR5.75%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
5.79%
76 - 84
▼
APR5.79%
Term76 - 84
Last UpdatedMay 10, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
5.94%
1 - 63
▼
APR5.94%
Term1 - 63
Last UpdatedMay 10, 2026
Details
As Low As
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
1801 Market St, Philadelphia, PA, 19103 1628
New Auto
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedMay 7, 2026
Details
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
1801 Market St, Philadelphia, PA, 19103 1628
Used Auto (2021 or newer)
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedMay 7, 2026
Details
NORTHWOOD
Institution Rating:
A5.0 ★ Texas Ratio: 6.85%
6836 Castor Ave, Philadelphia, PA, 19149 2108
New Auto Loan
5.99%
4 yr
▼
APR5.99%
Term4 yr
Last UpdatedMay 12, 2026
Details
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
6.04%
76 - 84
▼
APR6.04%
Term76 - 84
Last UpdatedMay 10, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
6.14%
64 - 75
▼
APR6.14%
Term64 - 75
Last UpdatedMay 10, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles
6.39%
61 - 72
▼
APR6.39%
Term61 - 72
Last UpdatedMay 12, 2026
Details
As Low As; w/ Auto Pay Discount
NORTHWOOD
Institution Rating:
A5.0 ★ Texas Ratio: 6.85%
6836 Castor Ave, Philadelphia, PA, 19149 2108
New Auto Loan
6.49%
5 yr
▼
APR6.49%
Term5 yr
Last UpdatedMay 12, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles
6.49%
61 - 72
▼
APR6.49%
Term61 - 72
Last UpdatedMay 12, 2026
Details
As Low As
Eagle One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.26%
7500 Lindbergh Blvd, Philadelphia, PA, 19176
New/Used Auto
6.50%
60 Months
▼
APR6.50%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
6.54%
76 - 84
▼
APR6.54%
Term76 - 84
Last UpdatedMay 10, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
6.79%
85 - 96
▼
APR6.79%
Term85 - 96
Last UpdatedMay 10, 2026
Details
As Low As
NORTHWOOD
Institution Rating:
A5.0 ★ Texas Ratio: 6.85%
6836 Castor Ave, Philadelphia, PA, 19149 2108
New Auto Loan
6.99%
6 yr
▼
APR6.99%
Term6 yr
Last UpdatedMay 12, 2026
Details
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
7.04%
85 - 96
▼
APR7.04%
Term85 - 96
Last UpdatedMay 10, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles
7.39%
73 - 84
▼
APR7.39%
Term73 - 84
Last UpdatedMay 12, 2026
Details
As Low As; w/ Auto Pay Discount
NORTHWOOD
Institution Rating:
A5.0 ★ Texas Ratio: 6.85%
6836 Castor Ave, Philadelphia, PA, 19149 2108
New Auto Loan
7.49%
7 yr
▼
APR7.49%
Term7 yr
Last UpdatedMay 12, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles
7.49%
73 - 84
▼
APR7.49%
Term73 - 84
Last UpdatedMay 12, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
7.54%
85 - 96
▼
APR7.54%
Term85 - 96
Last UpdatedMay 10, 2026
Details
As Low As
Eagle One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.26%
7500 Lindbergh Blvd, Philadelphia, PA, 19176
New/Used Auto
7.75%
72 Months
▼
APR7.75%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As
Eagle One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.26%
7500 Lindbergh Blvd, Philadelphia, PA, 19176
New/Used Auto
8.00%
84 Months
▼
APR8.00%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
New Vehicles
2.75%
12 Months
▼
APR2.75%
Term12 Months
Last UpdatedMay 6, 2026
Details
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
New Autos | Never Titled
3.24%
Up to 40
▼
APR3.24%
TermUp to 40
Last UpdatedMay 6, 2026
Details
APR3.49%
Term36 Months
Last UpdatedMay 12, 2026
Details
Zero Down Payment
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As; All Years**
UFCW COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
New Vehicle Loans
3.70%
Up to 84 months
▼
APR3.70%
TermUp to 84 months
Last UpdatedMay 12, 2026
Details
As Low As
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
New Autos | Never Titled
3.74%
41-52
▼
APR3.74%
Term41-52
Last UpdatedMay 6, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As; All Years**
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New Vehicles
3.75%
84 Months
▼
APR3.75%
Term84 Months
Last UpdatedMay 7, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
New or Used Auto Loans
3.79%
36 Months
▼
APR3.79%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As
Stanwood Area Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.48%
New Auto
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 6, 2026
Details
Citymark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
New Car
3.99%
96 Months
▼
APR3.99%
Term96 Months
Last UpdatedMay 7, 2026
Details
As Low As; (based on credit score)
UFCW Local 1776 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicles
3.99%
5 Months
▼
APR3.99%
Term5 Months
Last UpdatedMay 7, 2026
Details
As Low As; * For Qualified Buyer
Mountain Laurel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
New Vehicle (2025- 2026)
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As
G.A.P. Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Vehicle (2026, 2025)
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedMay 6, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As; All Years**
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 7, 2026
Details
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★
New Autos
4.00%
Up to 36 months
▼
APR4.00%
TermUp to 36 months
Last UpdatedMay 10, 2026
Details
APR4.00%
Term60 Months
Last UpdatedMay 12, 2026
Details
Zero Down Payment
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.15%
3 Months
▼
APR4.15%
Term3 Months
Last UpdatedMay 7, 2026
Details
As Low As; 3 YEAR REPAY
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
New Autos | Never Titled
4.24%
53-64
▼
APR4.24%
Term53-64
Last UpdatedMay 6, 2026
Details
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Car 2027-2024 Model Year
4.24%
24 Months
▼
APR4.24%
Term24 Months
Last UpdatedMay 6, 2026
Details
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
New Auto Loans Model Years 2024-2026
4.24%
up to 60 months
▼
APR4.24%
Termup to 60 months
Last UpdatedMay 7, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.25%
4 Months
▼
APR4.25%
Term4 Months
Last UpdatedMay 7, 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 7, 2026
Details
80-90% NADA retail
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★
Used Autos 2021 and newer
4.25%
Up to 36 months 80-90% NADA retail
▼
APR4.25%
TermUp to 36 months 80-90% NADA retail
Last UpdatedMay 10, 2026
Details
Choice One Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.55%
New Car Loan
4.39%
84 Months
▼
APR4.39%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As; 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: 6.11%
NEW Auto Loan
4.40%
36 Months
▼
APR4.40%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
New Autos | Never Titled
4.49%
65-76
▼
APR4.49%
Term65-76
Last UpdatedMay 6, 2026
Details
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Car 2027-2024 Model Year
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 6, 2026
Details
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
New Auto Loans Model Years 2024-2026
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedMay 7, 2026
Details
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
New Vehicles
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 7, 2026
Details
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
New Vehicles Auto Loans
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
New 2026 Auto Loan
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMay 10, 2026
Details
As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
New 2026 Auto Loans
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMay 10, 2026
Details
As Low As
Locomotive And Control Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
New Vehicle Loan
4.50%
36 Month
▼
APR4.50%
Term36 Month
Last UpdatedMay 6, 2026
Details
G.A.P. Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Vehicle (2026, 2025)
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 6, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As; 2020 or Newer**
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 7, 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 7, 2026
Details
80-90% NADA retail
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★
New Autos
4.50%
48 to 60 months 100% MSRP
▼
APR4.50%
Term48 to 60 months 100% MSRP
Last UpdatedMay 10, 2026
Details
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★
Used Autos 2021 and newer
4.50%
48 to 60 months 80-90% NADA retail
▼
APR4.50%
Term48 to 60 months 80-90% NADA retail
Last UpdatedMay 10, 2026
Details
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
New & Used Auto Loans (2020 and Newer)
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 10, 2026
Details
FICO Score 750+
Alcose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Vehicles 2025 - 2026
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As; Up to 48 Months with an APR*
Alcose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Vehicles 2025- 2026
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
APR4.50%
Term72 Months
Last UpdatedMay 12, 2026
Details
Zero Down Payment
APR4.50%
Term72 months
Last UpdatedMay 12, 2026
Details
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
New 2026 Auto Loan
4.64%
36 Months
▼
APR4.64%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
New 2026 Auto Loans
4.64%
36 Months
▼
APR4.64%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As
Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.48%
New Vehicle Loan
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedMay 10, 2026
Details
Lehigh Valley Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
New Auto Loan
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As
Fayette County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Vehicles 2026, 2025, 2024
4.70%
36 Months
▼
APR4.70%
Term36 Months
Last UpdatedMay 10, 2026
Details
United Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
New Automobile (2026 and 2025 Model Years)
4.74%
60 Mos
▼
APR4.74%
Term60 Mos
Last UpdatedMay 6, 2026
Details
As Low As
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
New Auto Loans Model Years 2024-2026
4.74%
84 months
▼
APR4.74%
Term84 months
Last UpdatedMay 7, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.75%
5 Months
▼
APR4.75%
Term5 Months
Last UpdatedMay 7, 2026
Details
As Low As; 5 YEAR REPAY
Visionary Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.88%
New Vehicle - 2025 and Newer
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles
4.75%
84 Months
▼
APR4.75%
Term84 Months
Last UpdatedMay 7, 2026
Details
As Low As
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
New & Used Auto Loans (2020 and Newer)
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 10, 2026
Details
FICO Score 750+
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
New 2026 Auto Loan
4.79%
48 Months
▼
APR4.79%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
New 2026 Auto Loans
4.79%
48 Months
▼
APR4.79%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Car 2027-2024 Model Year
4.87%
48 Months
▼
APR4.87%
Term48 Months
Last UpdatedMay 6, 2026
Details
USX
Institution Rating:
A+5.0 ★ Texas Ratio: 5.49%
New and Used Vehicles Model years 2026-2025-2024-2023
4.89%
Up to 48
▼
APR4.89%
TermUp to 48
Last UpdatedMay 12, 2026
Details
P&G Mehoopany Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
New and Used Auto Loan
4.90%
Up to 96 Months
▼
APR4.90%
TermUp to 96 Months
Last UpdatedMay 7, 2026
Details
Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.48%
New Vehicle Loan
4.90%
48 Months
▼
APR4.90%
Term48 Months
Last UpdatedMay 10, 2026
Details
Bethlehem 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
New Vehicle
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedMay 6, 2026
Details
As Low As
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.63%
New Vehicle Loans (2026-2025) †3 Years
4.99%
3 Months
▼
APR4.99%
Term3 Months
Last UpdatedMay 6, 2026
Details
As Low As
Multi-Schools Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.85%
New Car Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As
Top Tier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.44%
New & Used Auto (2026-2023)
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As
Steel Strong Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
New Auto
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
CACL Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.30%
New Vehicle
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 6, 2026
Details
Powered by
MonitorBankRates
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: 2.63%
8500 Essington Ave Ste B, Philadelphia, PA, 19153 3716
Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedMay 7, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles
4.39%
up to 36
▼
APR4.39%
Termup to 36
Last UpdatedMay 12, 2026
Details
As Low As; w/ Auto Pay Discount
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles
4.49%
up to 36
▼
APR4.49%
Termup to 36
Last UpdatedMay 12, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles
4.89%
37 - 48
▼
APR4.89%
Term37 - 48
Last UpdatedMay 12, 2026
Details
As Low As; w/ Auto Pay Discount
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
1801 Market St, Philadelphia, PA, 19103 1628
66-Month Used Auto Loan
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedMay 7, 2026
Details
As Low As
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
1801 Market St, Philadelphia, PA, 19103 1628
Used Auto (2015 or newer)
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedMay 7, 2026
Details
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
1801 Market St, Philadelphia, PA, 19103 1628
Used Auto (2017 or newer)
4.99%
66 months
▼
APR4.99%
Term66 months
Last UpdatedMay 7, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
8500 Essington Ave Ste B, Philadelphia, PA, 19153 3716
Used Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 7, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles
4.99%
37 - 48
▼
APR4.99%
Term37 - 48
Last UpdatedMay 12, 2026
Details
As Low As
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.41%
2970 Market St, Philadelphia, PA, 19104 5002
Used Auto Loan
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMay 6, 2026
Details
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
5.19%
1 - 63
▼
APR5.19%
Term1 - 63
Last UpdatedMay 10, 2026
Details
As Low As
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
1801 Market St, Philadelphia, PA, 19103 1628
Used Auto (2018 or newer)
5.24%
75 months
▼
APR5.24%
Term75 months
Last UpdatedMay 7, 2026
Details
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
5.39%
64 - 75
▼
APR5.39%
Term64 - 75
Last UpdatedMay 10, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles
5.39%
49 - 60
▼
APR5.39%
Term49 - 60
Last UpdatedMay 12, 2026
Details
As Low As; w/ Auto Pay Discount
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
5.44%
1 - 63
▼
APR5.44%
Term1 - 63
Last UpdatedMay 10, 2026
Details
As Low As
Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.22%
2800 W Passyunk Ave, Philadelphia, PA, 19145 5206
Used (2021-2026) 1-75 month term Bright Auto Loans
5.49%
75 Month
▼
APR5.49%
Term75 Month
Last UpdatedMay 6, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles
5.49%
49 - 60
▼
APR5.49%
Term49 - 60
Last UpdatedMay 12, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
5.64%
64 - 75
▼
APR5.64%
Term64 - 75
Last UpdatedMay 10, 2026
Details
As Low As
Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.22%
2800 W Passyunk Ave, Philadelphia, PA, 19145 5206
Bright Auto Loans Used (2020 & Older) 1-51 month term
5.74%
51 Month
▼
APR5.74%
Term51 Month
Last UpdatedMay 6, 2026
Details
As Low As
Eagle One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.26%
7500 Lindbergh Blvd, Philadelphia, PA, 19176
New/Used Auto
5.75%
36 Months
▼
APR5.75%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
5.79%
76 - 84
▼
APR5.79%
Term76 - 84
Last UpdatedMay 10, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
5.94%
1 - 63
▼
APR5.94%
Term1 - 63
Last UpdatedMay 10, 2026
Details
As Low As
Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.22%
2800 W Passyunk Ave, Philadelphia, PA, 19145 5206
Used (2021-2026) 76-84 month term Bright Auto Loans
5.99%
84 Month
▼
APR5.99%
Term84 Month
Last UpdatedMay 6, 2026
Details
As Low As
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
1801 Market St, Philadelphia, PA, 19103 1628
Used Auto (2021 or newer)
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedMay 7, 2026
Details
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
6.04%
76 - 84
▼
APR6.04%
Term76 - 84
Last UpdatedMay 10, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
6.14%
64 - 75
▼
APR6.14%
Term64 - 75
Last UpdatedMay 10, 2026
Details
As Low As
Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.22%
2800 W Passyunk Ave, Philadelphia, PA, 19145 5206
Bright Auto Loans Used (2020 & Older) 52-60 month term
6.24%
60 Month
▼
APR6.24%
Term60 Month
Last UpdatedMay 6, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles
6.39%
61 - 72
▼
APR6.39%
Term61 - 72
Last UpdatedMay 12, 2026
Details
As Low As; w/ Auto Pay Discount
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles
6.49%
61 - 72
▼
APR6.49%
Term61 - 72
Last UpdatedMay 12, 2026
Details
As Low As
Eagle One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.26%
7500 Lindbergh Blvd, Philadelphia, PA, 19176
New/Used Auto
6.50%
60 Months
▼
APR6.50%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
6.54%
76 - 84
▼
APR6.54%
Term76 - 84
Last UpdatedMay 10, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
6.79%
85 - 96
▼
APR6.79%
Term85 - 96
Last UpdatedMay 10, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
7.04%
85 - 96
▼
APR7.04%
Term85 - 96
Last UpdatedMay 10, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles
7.39%
73 - 84
▼
APR7.39%
Term73 - 84
Last UpdatedMay 12, 2026
Details
As Low As; w/ Auto Pay Discount
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
NEW or USED vehicles
7.49%
73 - 84
▼
APR7.49%
Term73 - 84
Last UpdatedMay 12, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
7.54%
85 - 96
▼
APR7.54%
Term85 - 96
Last UpdatedMay 10, 2026
Details
As Low As
Eagle One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.26%
7500 Lindbergh Blvd, Philadelphia, PA, 19176
New/Used Auto
7.75%
72 Months
▼
APR7.75%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As
NORTHWOOD
Institution Rating:
A5.0 ★ Texas Ratio: 6.85%
6836 Castor Ave, Philadelphia, PA, 19149 2108
Used Auto Loan
7.99%
4 Years
▼
APR7.99%
Term4 Years
Last UpdatedMay 12, 2026
Details
Eagle One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.26%
7500 Lindbergh Blvd, Philadelphia, PA, 19176
New/Used Auto
8.00%
84 Months
▼
APR8.00%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Autos 2026 - 2024
3.49%
Up to 40 Months
▼
APR3.49%
TermUp to 40 Months
Last UpdatedMay 6, 2026
Details
APR3.49%
Term36 Months
Last UpdatedMay 12, 2026
Details
2016-2019
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As; All Years**
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
Used Vehicles - (3-4 Years Old) JD Power Book Price - 90% Financed
3.75%
12 Months
▼
APR3.75%
Term12 Months
Last UpdatedMay 6, 2026
Details
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
Used Vehicles - (5 Years & Older) JD Power Book Price - 85% Financed
3.75%
12 Months
▼
APR3.75%
Term12 Months
Last UpdatedMay 6, 2026
Details
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
Used Vehicles - Up To 2 Years Old - 100% Financed
3.75%
12 Months
▼
APR3.75%
Term12 Months
Last UpdatedMay 6, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As; All Years**
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As
Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
New or Used Auto Loans
3.79%
36 Months
▼
APR3.79%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As
Citymark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
Used Car
3.99%
96 Months
▼
APR3.99%
Term96 Months
Last UpdatedMay 7, 2026
Details
As Low As; (based on credit score)
Mountain Laurel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
Used Vehicle (2018 - 2025)
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As; All Years**
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.15%
3 Months
▼
APR4.15%
Term3 Months
Last UpdatedMay 7, 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
4.24%
24 Months
▼
APR4.24%
Term24 Months
Last UpdatedMay 6, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.25%
4 Months
▼
APR4.25%
Term4 Months
Last UpdatedMay 7, 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 7, 2026
Details
80-90% NADA retail
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★
Used Autos 2021 and newer
4.25%
Up to 36 months 80-90% NADA retail
▼
APR4.25%
TermUp to 36 months 80-90% NADA retail
Last UpdatedMay 10, 2026
Details
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Autos 2026 - 2024
4.37%
41 - 52 months
▼
APR4.37%
Term41 - 52 months
Last UpdatedMay 6, 2026
Details
Choice One Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.55%
Used Car Loan
4.49%
84 Months
▼
APR4.49%
Term84 Months
Last UpdatedMay 6, 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: 5.15%
Used Autos
4.49%
Up to 52
▼
APR4.49%
TermUp to 52
Last UpdatedMay 6, 2026
Details
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Car 2027-2024 Model Year
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 6, 2026
Details
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
Used 2024 - 2025 Auto Loan
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMay 10, 2026
Details
As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
Used 2024 - 2025 Auto Loans
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMay 10, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As; 2020 or Newer**
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 7, 2026
Details
80-90% NADA retail
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★
Used Autos 2021 and newer
4.50%
48 to 60 months 80-90% NADA retail
▼
APR4.50%
Term48 to 60 months 80-90% NADA retail
Last UpdatedMay 10, 2026
Details
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
New & Used Auto Loans (2020 and Newer)
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 10, 2026
Details
FICO Score 750+
APR4.50%
Term60 Months
Last UpdatedMay 12, 2026
Details
2022 - NEWER
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
Used 2024 - 2025 Auto Loan
4.64%
36 Months
▼
APR4.64%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
Used 2024 - 2025 Auto Loans
4.64%
36 Months
▼
APR4.64%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As
Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.48%
Used Vehicle Loan
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedMay 10, 2026
Details
Some Restrictions Apply Vehicles 2017 or newer
Lehigh Valley Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
Used Auto Loan
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As
Fayette County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Vehicles 2026, 2025, 2024
4.70%
36 Months
▼
APR4.70%
Term36 Months
Last UpdatedMay 10, 2026
Details
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Autos 2026 - 2024
4.74%
53 - 64 months
▼
APR4.74%
Term53 - 64 months
Last UpdatedMay 6, 2026
Details
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
Used Auto Loans Model Years 2021-2023
4.74%
up to 60 months
▼
APR4.74%
Termup to 60 months
Last UpdatedMay 7, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.75%
5 Months
▼
APR4.75%
Term5 Months
Last UpdatedMay 7, 2026
Details
As Low As; 5 YEAR REPAY
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles
4.75%
84 Months
▼
APR4.75%
Term84 Months
Last UpdatedMay 7, 2026
Details
As Low As
Altoona Area Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
Used Auto Loans
4.75%
61-72 months
▼
APR4.75%
Term61-72 months
Last UpdatedMay 7, 2026
Details
Altoona Area Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
Used Auto Loans
4.75%
Up to 60 months
▼
APR4.75%
TermUp to 60 months
Last UpdatedMay 7, 2026
Details
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
Used Vehicles
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMay 7, 2026
Details
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
Used Vehicles Auto Loans
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
New & Used Auto Loans (2020 and Newer)
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 10, 2026
Details
FICO Score 750+
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
Used Auto Loan (2019 and Older)
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMay 10, 2026
Details
FICO Score 750+
APR4.75%
Term72 Months
Last UpdatedMay 12, 2026
Details
2022 - NEWER**
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
Used 2024 - 2025 Auto Loan
4.79%
48 Months
▼
APR4.79%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
Used 2024 - 2025 Auto Loans
4.79%
48 Months
▼
APR4.79%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Car 2027-2024 Model Year
4.87%
48 Months
▼
APR4.87%
Term48 Months
Last UpdatedMay 6, 2026
Details
Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.48%
Used Vehicle Loan
4.89%
48 Months
▼
APR4.89%
Term48 Months
Last UpdatedMay 10, 2026
Details
Some Restrictions Apply Vehicles 2017 or newer
USX
Institution Rating:
A+5.0 ★ Texas Ratio: 5.49%
New and Used Vehicles Model years 2026-2025-2024-2023
4.89%
Up to 48
▼
APR4.89%
TermUp to 48
Last UpdatedMay 12, 2026
Details
P&G Mehoopany Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
New and Used Auto Loan
4.90%
Up to 96 Months
▼
APR4.90%
TermUp to 96 Months
Last UpdatedMay 7, 2026
Details
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
Used Auto Loans Model Years 2021-2023
4.94%
72 months
▼
APR4.94%
Term72 months
Last UpdatedMay 7, 2026
Details
Bethlehem 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
Used Vehicles (2019-2025)
4.99%
1-4 Years
▼
APR4.99%
Term1-4 Years
Last UpdatedMay 6, 2026
Details
As Low As
Top Tier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.44%
New & Used Auto (2026-2023)
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As
Upper Darby Bell Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
Used Car Loans (Model Year 2019 - 2025)
4.99%
24 months
▼
APR4.99%
Term24 months
Last UpdatedMay 6, 2026
Details
As Low As
United Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Used Automobile (2025-2023 Model Years)
4.99%
60 Mos
▼
APR4.99%
Term60 Mos
Last UpdatedMay 6, 2026
Details
As Low As
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Autos
4.99%
53 - 64
▼
APR4.99%
Term53 - 64
Last UpdatedMay 6, 2026
Details
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Autos 2026 - 2024
4.99%
65 - 76 months
▼
APR4.99%
Term65 - 76 months
Last UpdatedMay 6, 2026
Details
CACL Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.30%
Older Used Vehicle
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedMay 6, 2026
Details
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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
5.568%
▼ 0.017 vs 7 days ago
Pennsylvania new auto rates fell 0.017 points over the past 7 days to 5.568% APR.
Used Auto Loan — PA Avg
7.736%
▼ 0.019 vs 7 days ago
Pennsylvania used auto rates fell 0.019 points over the past 7 days to 7.736% APR.
As of May 14, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
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: 3.74% (New Auto)
- ADVANTAGE FINANCIAL: 4.39% (NEW or USED vehicles)
- FedChoice Federal Credit Union: 4.50% (New Auto Loan)
- American Heritage Federal Credit Union: 4.99% (Auto Loan)
- 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: May 12, 2026
Philadelphia, Pennsylvania Rates & Resources
Rate Assistant
MonitorBankRates.com · Live Data
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