Philadelphia, PA Best Auto Loan Rates - October 2026
Brian McKay
Brian McKay
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Philadelphia, Pennsylvania auto loan rates range from 2.99% to 10.05% APR, verified by MonitorBankRates as of October 13, 2026. 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: 2.87% offering New Auto at 3.34%, Navy Federal Credit UnionNavy Federal Credit Union330 W Oregon Ave, Philadelphia, PA, 19148A5.0 ★Texas Ratio: 8.14% offering New Auto Loan at 3.89%, ADVANTAGE FINANCIALADVANTAGE FINANCIAL5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144A5.0 ★Texas Ratio: 7.87% offering New or Used Vehicles Loan at 3.99%, FedChoice Federal Credit UnionFedChoice Federal Credit Union2970 Market St, Philadelphia, PA, 19104 5002A+5.0 ★Texas Ratio: 4.50% offering New Vehicles Loan at 4.50%, Reliance Federal Credit UnionReliance Federal Credit Union8704A Crispin Dr, Philadelphia, PA, 19136 1304A+5.0 ★Texas Ratio: 4.44% offering New Auto Loans at 4.80%. Auto loan rates as of October 13, 2026 according to verified data from MonitorBankRates.
Philadelphia has 17 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, so 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: October 13, 2026
Compare Auto Loan Rates Today in Philadelphia, Pennsylvania & Surrounding Area
Philadelphia Auto Loan Rates
As Low As; Auto & Recreational Loans
As Low As; Auto & Recreational Loans
As Low As
As Low As; Rates subject to change.
As Low As; Auto Pay Discount: 3.89%
As low as
As Low As; Auto & Recreational Loans
As Low As; Auto Pay Discount: 4.14%
As Low As
As Low As; Rates subject to change.
As Low As; Auto Pay Discount: 4.39%
Loan Amount: $5,000 min; APR* as low as**
As Low As
As Low As; Rates subject to change.
As Low As; Auto & Recreational Loans
As Low As; Auto Pay Discount: 4.64%
Loan Amount: $15,000 min; APR* as low as**
As Low As
As Low As; Rates subject to change.
Credit Rating: A+; >APR*
- Oct 8, 20264.80%▲ from 4.75%
- Sep 16, 20264.75%first recorded
Credit Rating: A; >APR*
- Oct 8, 20264.85%▲ from 4.75%
- Sep 16, 20264.75%first recorded
As Low As; Finance up to 120% of the vehicle value; New vehicle
Finance up to 100% of the purchase price. See us first before buying: get Pre-approved! A copy of the purchase invoice and proof of insurance is necessary when making an application.
Credit Rating: A+; >APR*
- Oct 8, 20264.90%▲ from 4.85%
- Sep 16, 20264.85%first recorded
Credit Rating: A; >APR*
- Oct 8, 20264.95%▲ from 4.85%
- Sep 16, 20264.85%first recorded
As Low As; Finance up to 120% of the vehicle value; New vehicle
Apply Online
Finance up to 100% of the purchase price. See us first before buying: get Pre-approved! A copy of the purchase invoice and proof of insurance is necessary when making an application.
Finance up to 100% of the purchase price. See us first before buying: get Pre-approved! A copy of the purchase invoice and proof of insurance is necessary when making an application.
As Low As; Auto Pay Discount: 4.89%
Credit Rating: B; >APR*
- Oct 8, 20265.00%▲ from 4.90%
- Sep 16, 20264.90%first recorded
Credit Rating: A+; >APR*
- Oct 8, 20265.00%▲ from 4.95%
- Sep 16, 20264.95%first recorded
Credit Rating: A; >APR*
- Oct 8, 20265.05%▲ from 4.95%
- Sep 16, 20264.95%first recorded
Credit Rating: A+; >APR*
Loan Amount: Up to $25,000; Amount: Up to 125% of MSRP to include tax, tags, warranties and GAP; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
Loan Amount: Up to $15,000; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
Credit Rating: B; >APR*
- Oct 8, 20265.10%▲ from 5.00%
- Sep 16, 20265.00%first recorded
Credit Rating: A+; >APR*
- Oct 8, 20265.10%▲ from 5.00%
- Sep 16, 20265.00%first recorded
Credit Rating: A; >APR*
- Oct 8, 20265.15%▲ from 5.00%
- Sep 16, 20265.00%first recorded
Credit Rating: A; >APR*
- Oct 8, 20265.15%▲ from 5.05%
- Sep 25, 20265.05%first recorded
Credit Rating: A+; >APR*
As low as
As Low As; Finance up to 120% of the vehicle value; New vehicle
As Low As
- Oct 9, 20265.24%▲ from 4.99%
- Sep 17, 20264.99%first recorded
As Low As
- Oct 9, 20265.24%▲ from 4.99%
- Sep 17, 20264.99%first recorded
As Low As
- Oct 9, 20265.24%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As
- Oct 9, 20265.24%▲ from 4.99%
- Sep 14, 20264.99%first recorded
Credit Rating: B; >APR*
- Oct 8, 20265.25%▲ from 5.15%
- Sep 16, 20265.15%first recorded
Credit Rating: A; >APR*
- Oct 8, 20265.25%▲ from 5.15%
- Sep 25, 20265.15%first recorded
Credit Rating: A+; >APR*
As Low As
As Low As; Rates subject to change.
Credit Rating: B; >APR*
- Oct 8, 20265.30%▲ from 5.20%
- Sep 25, 20265.20%first recorded
Credit Rating: A+; >APR*
- Oct 8, 20265.35%▲ from 5.30%
- Sep 16, 20265.30%first recorded
Credit Rating: A; >APR*
- Oct 8, 20265.35%▲ from 5.25%
- Sep 25, 20265.25%first recorded
Credit Rating: A+; >APR*
- Oct 8, 20265.35%▲ from 5.25%
- Sep 25, 20265.25%first recorded
As Low As
As Low As; Rates subject to change.
Credit Rating: B; >APR*
- Oct 8, 20265.40%▲ from 5.30%
- Sep 25, 20265.30%first recorded
Credit Rating: B; >APR*
- Oct 8, 20265.45%▲ from 5.30%
- Sep 16, 20265.30%first recorded
Credit Rating: A; >APR*
- Oct 8, 20265.45%▲ from 5.30%
- Sep 16, 20265.30%first recorded
Credit Rating: A; >APR*
- Oct 8, 20265.45%▲ from 5.25%
- Sep 25, 20265.25%first recorded
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.49%▲ from 5.39%
- Sep 18, 20265.39%first recorded
As Low As; Up to 63 months
As Low As; Vehicle Loans - New (<10K miles)
Apply Online
As Low As
- Oct 9, 20265.49%▲ from 5.24%
- Sep 14, 20265.24%first recorded
As Low As
- Oct 9, 20265.49%▲ from 5.24%
- Sep 14, 20265.24%first recorded
Loan Amount: Up to $15,000; Amount: Up to 100% of financing of NADA Clean Retail to include tax, tags, warranties and GAP; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.; Model Year: 2019 - 2023
Loan Amount: Up to $15,000; Amount: Up to 80% of financing of NADA Clean Retail to include tax, tags, warranties and GAP; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.; Model Year: 2013 - 2018
As Low As; Model Year: 2019-2021; Finance up to 110% of the vehicle value
Credit Rating: B; >APR*
- Oct 8, 20265.55%▲ from 5.45%
- Sep 25, 20265.45%first recorded
As Low As; Finance up to 120% of the vehicle value; New vehicle
Credit Rating: A+; >APR*
- Oct 8, 20265.65%▲ from 5.60%
- Sep 25, 20265.60%first recorded
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.69%▲ from 5.59%
- Sep 18, 20265.59%first recorded
As Low As; Model Year: 2023 and Newer; Vehicle Value (Minimum): $3,000.00; Loan Amount (Minimum): $1,000.00
- Oct 1, 20265.69%▲ from 5.44%
- Sep 14, 20265.44%first recorded
As Low As; Used (2021-2026)
As Low As; Model Year: 2019-2021; Finance up to 110% of the vehicle value
Loan Amount: $15,000 min; APR* as low as**
Credit Rating: B; >APR*
- Oct 8, 20265.75%▲ from 5.60%
- Sep 25, 20265.60%first recorded
Credit Rating: A; >APR*
- Oct 8, 20265.75%▲ from 5.60%
- Sep 25, 20265.60%first recorded
As low as
As low as
Additional APR listed for this product: 6.04%, 7.04%, 8.04%. Minimum loan $7,500; Model Year: 2027/2026/2025
As Low As; Model Year: 2027 - 2024
As Low As; Model Year: 2027 - 2024
Loan Amount: $15,000 to $35,000; Amount: Up to 125% of MSRP to include tax, tags, warranties and GAP; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
Loan Amount: $15,000 to $35,000; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
Credit Rating: C; >APR*
- Oct 8, 20265.80%▲ from 5.70%
- Sep 16, 20265.70%first recorded
As Low As; Up to 63 months
Finance up to 100% of the purchase price. See us first before buying: get Pre-approved! A copy of the purchase invoice and proof of insurance is necessary when making an application.
As Low As; Vehicle Value (Minimum) $3,000.00; Loan Amount (Minimum) $1,000.00; Model year not stated in source table
- Oct 13, 20265.94%▲ from 5.69%
- Oct 1, 20265.69%▲ from 5.44%
- Sep 14, 20265.44%first recorded
Credit Rating: B; >APR*
- Oct 8, 20265.95%▲ from 5.80%
- Sep 16, 20265.80%first recorded
As Low As
As Low As; Rates subject to change.
As Low As; Vehicle Loans - New (<10K miles); $30K+ loan amount
As Low As; Used (2020 & Older) vehicle loan
As Low As; $30,000 max loan amount; Age 18 or older; No prior auto or mortgage loan history; Limited to vehicles 2016 or new and up to 100,000 miles
- Oct 9, 20265.99%▲ from 5.74%
- Sep 14, 20265.74%first recorded
Credit Rating: A+; >APR*
- Oct 8, 20266.00%▲ from 5.85%
- Sep 16, 20265.85%first recorded
Additional APR listed for this product: 6.29%, 7.29%, 8.29%. Minimum $7,500; Model Year: 2024, 2023, and 2022
Additional APR listed for this product: 6.29%, 7.29%, 8.29%. Model Year: 2027, 2026, and 2025; Minimum loan $10,000
Additional APR listed for this product: 6.29%, 7.29%, 8.29%. Model Year: 2024, 2023, and 2022 Model Vehicles; Minimum loan $7,500
- Oct 12, 20266.04%▲ from 5.99%
- Sep 16, 20265.99%first recorded
As Low As; Model Year: 2027 - 2024
As Low As; Model Year: 2023 - 2022
As Low As; Model Year: 2027 - 2024
As Low As; Model Year: 2023 - 2022
Credit Rating: A; >APR*
- Oct 8, 20266.10%▲ from 5.85%
- Sep 16, 20265.85%first recorded
Credit Rating: C; >APR*
- Oct 8, 20266.10%▲ from 6.00%
- Sep 25, 20266.00%first recorded
As Low As; Model Year: 2019-2021; Finance up to 110% of the vehicle value
As Low As; Model Year: 2023 and Newer; Vehicle Value (Minimum): $12,000.00; Loan Amount (Minimum): $4,000.00
- Oct 1, 20266.14%▲ from 5.89%
- Sep 14, 20265.89%first recorded
Credit Rating: C; >APR*
- Oct 8, 20266.15%▲ from 6.05%
- Sep 16, 20266.05%first recorded
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a new car would have a 6.24% APR for 60 months, monthly payment of $875.01 for $45,000 financing, down payment of $0
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
As Low As; Used (2021-2026); Loan amount $30K+
Term: 76-84 month term ($30K+); As Low As; Used (2021-2026) model year; Loan amount $30K+; APR shown as advertised 'As low as' rate
As Low As
- Oct 9, 20266.24%▲ from 5.99%
- Sep 14, 20265.99%first recorded
As Low As
- Oct 9, 20266.24%▲ from 5.99%
- Sep 14, 20265.99%first recorded
Credit Rating: B; >APR*
- Oct 8, 20266.25%▲ from 6.10%
- Sep 25, 20266.10%first recorded
Credit Rating: A+; >APR*
- Oct 8, 20266.25%▲ from 6.15%
- Sep 25, 20266.15%first recorded
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a used 2022 year car would have a 6.29% APR for 60 months, monthly payment of $584.04 for $30,000 financing, down payment of $0
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
As low as
Additional APR listed for this product: 6.54%, 7.54%, 8.54%. Model Year: 2024, 2023, and 2022; Minimum loan $10,000
Additional APR listed for this product: 6.54%, 7.54%. Minimum loan $12,500
As Low As; Model Year: 2023 - 2022
As Low As; Model Year: 2023 - 2022
As Low As; Vehicle Value (Minimum) $12,000.00; Loan Amount (Minimum) $4,000.00; Model year not stated in source table
- Oct 13, 20266.39%▲ from 6.14%
- Oct 1, 20266.14%▲ from 5.89%
- Sep 14, 20265.89%first recorded
Loan Amount: $15,000 to $35,000; Amount: Up to 100% of financing of NADA Clean Retail to include tax, tags, warranties and GAP; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.; Model Year: 2019 - 2023
Loan Amount: $15,000 to $35,000; Amount: Up to 80% of financing of NADA Clean Retail to include tax, tags, warranties and GAP; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.; Model Year: 2013 - 2018
Credit Rating: A; >APR*
- Oct 8, 20266.40%▲ from 6.15%
- Sep 25, 20266.15%first recorded
As Low As; Model Year: 2019 Model Year and Older; Vehicle Value Minimum: $3,000.00; Loan Amount Minimum: $1,000.00
- Oct 13, 20266.44%▲ from 5.69%
- Oct 1, 20265.69%▲ from 5.44%
- Sep 14, 20265.44%first recorded
As Low As; Model Year: 2021 - 2018
As Low As; Model Year: 2021 - 2018
Credit Rating: C; >APR*
- Oct 8, 20266.45%▲ from 6.35%
- Sep 25, 20266.35%first recorded
As Low As; Used (2020 & Older) vehicle loan; $30K+ loan amount
Finance up to 100% of the purchase price. See us first before buying: get Pre-approved! A copy of the purchase invoice and proof of insurance is necessary when making an application.
Additional APR listed for this product: 6.79%, 7.79%. Minimum $15,000; Model Year: 2027/2026/2025
Additional APR listed for this product: 6.79%, 7.79%, 8.79%. Model Year: 2021, 2020, and 2019; Minimum loan $7,500
Additional APR listed for this product: 6.79%, 7.79%. Minimum loan amount $12,500
Additional APR listed for this product: 6.79%, 7.79%. Model Year: 2027, 2026, and 2025; Minimum loan amount $15,000
Credit Rating: B; >APR*
- Oct 8, 20266.60%▲ from 6.35%
- Sep 16, 20266.35%first recorded
As Low As; Model Year: 2027 - 2024
As Low As; Model Year: 2027 - 2024
Additional APR listed for this product: 7.04%, 8.04%. Model Year: 2021, 2020, and 2019; Minimum loan $10,000
As Low As; Model Year: 2023 and Newer; Vehicle Value (Minimum): $20,000.00; Loan Amount (Minimum): $6,000.00
- Oct 1, 20266.79%▲ from 6.54%
- Sep 14, 20266.54%first recorded
As Low As; Model Year: 2021 - 2018
As Low As; Model Year: 2021 - 2018
As Low As; Model Year: 2019 Model Year and Older; Vehicle Value Minimum: $12,000.00; Loan Amount Minimum: $4,000.00
- Oct 13, 20266.89%▲ from 6.14%
- Oct 1, 20266.14%▲ from 5.89%
- Sep 14, 20265.89%first recorded
Credit Rating: B; >APR*
- Oct 8, 20266.90%▲ from 6.65%
- Sep 25, 20266.65%first recorded
As Low As
As Low As; Rates subject to change.
Minimum $10,000; APR tier 2 of 3
As Low As; Vehicle Value (Minimum) $20,000.00; Loan Amount (Minimum) $6,000.00; Model year not stated in source table
- Oct 13, 20267.04%▲ from 6.79%
- Oct 1, 20266.79%▲ from 6.54%
- Sep 14, 20266.54%first recorded
Loan Amount: $35,000+; Amount: Up to 125% of MSRP to include tax, tags, warranties and GAP; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
Loan Amount: $35,000+; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
As Low As; Finance up to 105% of the vehicle value; Model Year: 2010-2018
As Low As; New & Used
Credit Rating: C; >APR*
- Oct 8, 20267.25%▲ from 7.15%
- Sep 16, 20267.15%first recorded
As Low As
As Low As; Rates subject to change.
As low as
Loan Amount: $35,000+; Amount: Up to 100% of financing of NADA Clean Retail to include tax, tags, warranties and GAP; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.; Model Year: 2019 - 2023
Loan Amount: $35,000+; Amount: Up to 80% of financing of NADA Clean Retail to include tax, tags, warranties and GAP; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.; Model Year: 2013 - 2018
As low as
As low as
As Low As; Model Year: 2019 Model Year and Older; Vehicle Value Minimum: $20,000.00; Loan Amount Minimum: $6,000.00
- Oct 13, 20267.54%▲ from 6.79%
- Oct 1, 20266.79%▲ from 6.54%
- Sep 14, 20266.54%first recorded
Credit Rating: C; >APR*
- Oct 8, 20267.55%▲ from 7.45%
- Sep 25, 20267.45%first recorded
Credit Rating: C; >APR*
- Oct 8, 20267.70%▲ from 7.55%
- Sep 16, 20267.55%first recorded
As Low As; Model Year: 2023 and Newer; Vehicle Value (Minimum): $40,000.00; Loan Amount (Minimum): $12,000.00
- Oct 1, 20267.79%▲ from 7.54%
- Sep 14, 20267.54%first recorded
Finance up to 80% of the NADA book value, provided that the auto in not less than $4,000.00 as published in NADA book. The loan can included taxes and tags. Age of auto and term is not to exceed 11 years. Maximum mileage of auto not to exceed 75,000 miles. Minimum deposit of $200.00 must be maintained in member's share account. A copy of the purchase invoice and proof of insurance is necessary when making an application.
Loan Amount: $15,000 min; Includes Personal Watercraft and Snowmobiles.
Credit Rating: C; >APR*
- Oct 8, 20268.00%▲ from 7.85%
- Sep 25, 20267.85%first recorded
Minimum $10,000; APR tier 3 of 3
As Low As; Vehicle Value (Minimum) $40,000.00; Loan Amount (Minimum) $12,000.00; Model year not stated in source table
- Oct 13, 20268.04%▲ from 7.79%
- Oct 1, 20267.79%▲ from 7.54%
- Sep 14, 20267.54%first recorded
Term: 76-144 Months ($30K+); As Low As; New & Used
As Low As; Finance up to 105% of the vehicle value; Model Year: 2010-2018
As Low As; Model Year: 2019 Model Year and Older; Vehicle Value Minimum: $40,000.00; Loan Amount Minimum: $12,000.00
- Oct 13, 20268.54%▲ from 7.79%
- Oct 1, 20267.79%▲ from 7.54%
- Sep 14, 20267.54%first recorded
Credit Rating: C; >APR*
- Oct 8, 20268.85%▲ from 8.70%
- Sep 16, 20268.70%first recorded
Credit Rating: C; >APR*
- Oct 8, 20269.15%▲ from 9.00%
- Sep 25, 20269.00%first recorded
Loan Amount: $40,000 min; Includes Personal Watercraft and Snowmobiles.
Loan Amount: $40,000 min; Includes Personal Watercraft and Snowmobiles.
Credit Rating: C; >APR*
- Oct 8, 20269.75%▲ from 9.50%
- Sep 16, 20269.50%first recorded
As low as; Other Collateral: $25,000 minimum amount financed for 61-84 months. $30,000 minimum amount financed for over 84 months.
As low as; Other Collateral: $25,000 minimum amount financed for 61-84 months. $30,000 minimum amount financed for over 84 months.
As low as; Other Collateral: $25,000 minimum amount financed for 61-84 months. $30,000 minimum amount financed for over 84 months.
Credit Rating: C; >APR*
- Oct 8, 202610.05%▲ from 9.80%
- Sep 25, 20269.80%first recorded
As Low As; Effective Date: October 02, 2026; Vehicle Model Years: All Years**
As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment
As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment
As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment
As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment
As Low As; Maximum Age of Vehicle: N/A; Maximum Mileage: N/A; Maximum LTV: 100%
As Low As; Maximum Age of Vehicle: 10 Years; Maximum Mileage: N/A; Maximum LTV: 100%
As Low As; Maximum Age of Vehicle: 10 Years; Maximum Mileage: 100,000; Maximum LTV: 125%
As Low As; Loan Type: Vehicles, Personal, Share Secured; .25% discount for Auto Transfer and .25% discount for Active Checking, Christmas Club, or Vacation Account (not for Share Secured Loans)
As Low As; Rates effective 01/01/2026
Published APR range: 3.25% - 8.00%.
Published APR range: 3.25% -8.25%.
As Low As; Loan Type: Vehicles, Personal, Share Secured; .25% discount for Auto Transfer and .25% discount for Active Checking, Christmas Club, or Vacation Account (not for Share Secured Loans)
As Low As; Model Year: 2026 - 2024
Philadelphia New Auto Auto Loan Rates
As Low As; Auto & Recreational Loans
As Low As
As Low As; Rates subject to change.
As Low As; Auto Pay Discount: 3.89%
As low as
As Low As; Auto & Recreational Loans
As Low As; Auto Pay Discount: 4.14%
As Low As
As Low As; Rates subject to change.
As Low As; Auto Pay Discount: 4.39%
Loan Amount: $5,000 min; APR* as low as**
As Low As
As Low As; Rates subject to change.
As Low As; Auto Pay Discount: 4.64%
Loan Amount: $15,000 min; APR* as low as**
Credit Rating: A+; >APR*
- Oct 8, 20264.80%▲ from 4.75%
- Sep 16, 20264.75%first recorded
Credit Rating: A; >APR*
- Oct 8, 20264.85%▲ from 4.75%
- Sep 16, 20264.75%first recorded
As Low As; Finance up to 120% of the vehicle value; New vehicle
Finance up to 100% of the purchase price. See us first before buying: get Pre-approved! A copy of the purchase invoice and proof of insurance is necessary when making an application.
Credit Rating: A+; >APR*
- Oct 8, 20264.90%▲ from 4.85%
- Sep 16, 20264.85%first recorded
Credit Rating: A; >APR*
- Oct 8, 20264.95%▲ from 4.85%
- Sep 16, 20264.85%first recorded
As Low As; Finance up to 120% of the vehicle value; New vehicle
Finance up to 100% of the purchase price. See us first before buying: get Pre-approved! A copy of the purchase invoice and proof of insurance is necessary when making an application.
Finance up to 100% of the purchase price. See us first before buying: get Pre-approved! A copy of the purchase invoice and proof of insurance is necessary when making an application.
As Low As; Auto Pay Discount: 4.89%
Credit Rating: B; >APR*
- Oct 8, 20265.00%▲ from 4.90%
- Sep 16, 20264.90%first recorded
Credit Rating: A+; >APR*
- Oct 8, 20265.00%▲ from 4.95%
- Sep 16, 20264.95%first recorded
Credit Rating: A; >APR*
- Oct 8, 20265.05%▲ from 4.95%
- Sep 16, 20264.95%first recorded
Loan Amount: Up to $25,000; Amount: Up to 125% of MSRP to include tax, tags, warranties and GAP; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
Loan Amount: Up to $15,000; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
Credit Rating: B; >APR*
- Oct 8, 20265.10%▲ from 5.00%
- Sep 16, 20265.00%first recorded
Credit Rating: A+; >APR*
- Oct 8, 20265.10%▲ from 5.00%
- Sep 16, 20265.00%first recorded
Credit Rating: A; >APR*
- Oct 8, 20265.15%▲ from 5.00%
- Sep 16, 20265.00%first recorded
As Low As; Finance up to 120% of the vehicle value; New vehicle
As Low As
- Oct 9, 20265.24%▲ from 4.99%
- Sep 17, 20264.99%first recorded
As Low As
- Oct 9, 20265.24%▲ from 4.99%
- Sep 17, 20264.99%first recorded
As Low As
- Oct 9, 20265.24%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As
- Oct 9, 20265.24%▲ from 4.99%
- Sep 14, 20264.99%first recorded
Credit Rating: B; >APR*
- Oct 8, 20265.25%▲ from 5.15%
- Sep 16, 20265.15%first recorded
Credit Rating: A+; >APR*
- Oct 8, 20265.35%▲ from 5.30%
- Sep 16, 20265.30%first recorded
Credit Rating: B; >APR*
- Oct 8, 20265.45%▲ from 5.30%
- Sep 16, 20265.30%first recorded
Credit Rating: A; >APR*
- Oct 8, 20265.45%▲ from 5.30%
- Sep 16, 20265.30%first recorded
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.49%▲ from 5.39%
- Sep 18, 20265.39%first recorded
As Low As; Up to 63 months
As Low As; Vehicle Loans - New (<10K miles)
As Low As
- Oct 9, 20265.49%▲ from 5.24%
- Sep 14, 20265.24%first recorded
As Low As
- Oct 9, 20265.49%▲ from 5.24%
- Sep 14, 20265.24%first recorded
As Low As; Finance up to 120% of the vehicle value; New vehicle
As Low As; Model Year: 2023 and Newer; Vehicle Value (Minimum): $3,000.00; Loan Amount (Minimum): $1,000.00
- Oct 1, 20265.69%▲ from 5.44%
- Sep 14, 20265.44%first recorded
Loan Amount: $15,000 min; APR* as low as**
As low as
As low as
Loan Amount: $15,000 to $35,000; Amount: Up to 125% of MSRP to include tax, tags, warranties and GAP; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
Loan Amount: $15,000 to $35,000; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
Credit Rating: C; >APR*
- Oct 8, 20265.80%▲ from 5.70%
- Sep 16, 20265.70%first recorded
Finance up to 100% of the purchase price. See us first before buying: get Pre-approved! A copy of the purchase invoice and proof of insurance is necessary when making an application.
As Low As; Vehicle Value (Minimum) $3,000.00; Loan Amount (Minimum) $1,000.00; Model year not stated in source table
- Oct 13, 20265.94%▲ from 5.69%
- Oct 1, 20265.69%▲ from 5.44%
- Sep 14, 20265.44%first recorded
Credit Rating: B; >APR*
- Oct 8, 20265.95%▲ from 5.80%
- Sep 16, 20265.80%first recorded
As Low As
As Low As; Rates subject to change.
As Low As; Vehicle Loans - New (<10K miles); $30K+ loan amount
Credit Rating: A+; >APR*
- Oct 8, 20266.00%▲ from 5.85%
- Sep 16, 20265.85%first recorded
Credit Rating: A; >APR*
- Oct 8, 20266.10%▲ from 5.85%
- Sep 16, 20265.85%first recorded
As Low As; Model Year: 2023 and Newer; Vehicle Value (Minimum): $12,000.00; Loan Amount (Minimum): $4,000.00
- Oct 1, 20266.14%▲ from 5.89%
- Sep 14, 20265.89%first recorded
Credit Rating: C; >APR*
- Oct 8, 20266.15%▲ from 6.05%
- Sep 16, 20266.05%first recorded
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a new car would have a 6.24% APR for 60 months, monthly payment of $875.01 for $45,000 financing, down payment of $0
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
As Low As
- Oct 9, 20266.24%▲ from 5.99%
- Sep 14, 20265.99%first recorded
As Low As
- Oct 9, 20266.24%▲ from 5.99%
- Sep 14, 20265.99%first recorded
As Low As; Vehicle Value (Minimum) $12,000.00; Loan Amount (Minimum) $4,000.00; Model year not stated in source table
- Oct 13, 20266.39%▲ from 6.14%
- Oct 1, 20266.14%▲ from 5.89%
- Sep 14, 20265.89%first recorded
As Low As; Model Year: 2019 Model Year and Older; Vehicle Value Minimum: $3,000.00; Loan Amount Minimum: $1,000.00
- Oct 13, 20266.44%▲ from 5.69%
- Oct 1, 20265.69%▲ from 5.44%
- Sep 14, 20265.44%first recorded
Finance up to 100% of the purchase price. See us first before buying: get Pre-approved! A copy of the purchase invoice and proof of insurance is necessary when making an application.
Credit Rating: B; >APR*
- Oct 8, 20266.60%▲ from 6.35%
- Sep 16, 20266.35%first recorded
As Low As; Model Year: 2023 and Newer; Vehicle Value (Minimum): $20,000.00; Loan Amount (Minimum): $6,000.00
- Oct 1, 20266.79%▲ from 6.54%
- Sep 14, 20266.54%first recorded
As Low As; Model Year: 2019 Model Year and Older; Vehicle Value Minimum: $12,000.00; Loan Amount Minimum: $4,000.00
- Oct 13, 20266.89%▲ from 6.14%
- Oct 1, 20266.14%▲ from 5.89%
- Sep 14, 20265.89%first recorded
As Low As; Vehicle Value (Minimum) $20,000.00; Loan Amount (Minimum) $6,000.00; Model year not stated in source table
- Oct 13, 20267.04%▲ from 6.79%
- Oct 1, 20266.79%▲ from 6.54%
- Sep 14, 20266.54%first recorded
Loan Amount: $35,000+; Amount: Up to 125% of MSRP to include tax, tags, warranties and GAP; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
Loan Amount: $35,000+; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
As Low As; New & Used
Credit Rating: C; >APR*
- Oct 8, 20267.25%▲ from 7.15%
- Sep 16, 20267.15%first recorded
As Low As
As Low As; Rates subject to change.
As Low As; Model Year: 2019 Model Year and Older; Vehicle Value Minimum: $20,000.00; Loan Amount Minimum: $6,000.00
- Oct 13, 20267.54%▲ from 6.79%
- Oct 1, 20266.79%▲ from 6.54%
- Sep 14, 20266.54%first recorded
Credit Rating: C; >APR*
- Oct 8, 20267.70%▲ from 7.55%
- Sep 16, 20267.55%first recorded
As Low As; Model Year: 2023 and Newer; Vehicle Value (Minimum): $40,000.00; Loan Amount (Minimum): $12,000.00
- Oct 1, 20267.79%▲ from 7.54%
- Sep 14, 20267.54%first recorded
As Low As; Vehicle Value (Minimum) $40,000.00; Loan Amount (Minimum) $12,000.00; Model year not stated in source table
- Oct 13, 20268.04%▲ from 7.79%
- Oct 1, 20267.79%▲ from 7.54%
- Sep 14, 20267.54%first recorded
Term: 76-144 Months ($30K+); As Low As; New & Used
As Low As; Model Year: 2019 Model Year and Older; Vehicle Value Minimum: $40,000.00; Loan Amount Minimum: $12,000.00
- Oct 13, 20268.54%▲ from 7.79%
- Oct 1, 20267.79%▲ from 7.54%
- Sep 14, 20267.54%first recorded
Credit Rating: C; >APR*
- Oct 8, 20268.85%▲ from 8.70%
- Sep 16, 20268.70%first recorded
Credit Rating: C; >APR*
- Oct 8, 20269.75%▲ from 9.50%
- Sep 16, 20269.50%first recorded
As Low As; Effective Date: October 02, 2026; Vehicle Model Years: All Years**
As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment
As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment
As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment
As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment
As Low As; Rates effective 01/01/2026
Published APR range: 3.25% - 8.00%.
Published APR range: 3.25% -8.25%.
Philadelphia Used Auto Auto Loan Rates
As Low As; Auto & Recreational Loans
As Low As; Auto Pay Discount: 3.89%
As Low As; Auto Pay Discount: 4.14%
As Low As; Auto Pay Discount: 4.39%
As Low As; Auto & Recreational Loans
As Low As; Auto Pay Discount: 4.64%
As Low As
As Low As; Rates subject to change.
As Low As; Auto Pay Discount: 4.89%
Credit Rating: A+; >APR*
Loan Amount: Up to $15,000; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
Credit Rating: A; >APR*
- Oct 8, 20265.15%▲ from 5.05%
- Sep 25, 20265.05%first recorded
Credit Rating: A+; >APR*
As low as
As Low As
- Oct 9, 20265.24%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As
- Oct 9, 20265.24%▲ from 4.99%
- Sep 14, 20264.99%first recorded
Credit Rating: A; >APR*
- Oct 8, 20265.25%▲ from 5.15%
- Sep 25, 20265.15%first recorded
Credit Rating: A+; >APR*
As Low As
As Low As; Rates subject to change.
Credit Rating: B; >APR*
- Oct 8, 20265.30%▲ from 5.20%
- Sep 25, 20265.20%first recorded
Credit Rating: A; >APR*
- Oct 8, 20265.35%▲ from 5.25%
- Sep 25, 20265.25%first recorded
Credit Rating: A+; >APR*
- Oct 8, 20265.35%▲ from 5.25%
- Sep 25, 20265.25%first recorded
As Low As
As Low As; Rates subject to change.
Credit Rating: B; >APR*
- Oct 8, 20265.40%▲ from 5.30%
- Sep 25, 20265.30%first recorded
Credit Rating: A; >APR*
- Oct 8, 20265.45%▲ from 5.25%
- Sep 25, 20265.25%first recorded
As Low As
- Oct 9, 20265.49%▲ from 5.24%
- Sep 14, 20265.24%first recorded
Loan Amount: Up to $15,000; Amount: Up to 100% of financing of NADA Clean Retail to include tax, tags, warranties and GAP; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.; Model Year: 2019 - 2023
Credit Rating: B; >APR*
- Oct 8, 20265.55%▲ from 5.45%
- Sep 25, 20265.45%first recorded
Credit Rating: A+; >APR*
- Oct 8, 20265.65%▲ from 5.60%
- Sep 25, 20265.60%first recorded
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.69%▲ from 5.59%
- Sep 18, 20265.59%first recorded
As Low As; Model Year: 2023 and Newer; Vehicle Value (Minimum): $3,000.00; Loan Amount (Minimum): $1,000.00
- Oct 1, 20265.69%▲ from 5.44%
- Sep 14, 20265.44%first recorded
As Low As; Used (2021-2026)
Credit Rating: B; >APR*
- Oct 8, 20265.75%▲ from 5.60%
- Sep 25, 20265.60%first recorded
Credit Rating: A; >APR*
- Oct 8, 20265.75%▲ from 5.60%
- Sep 25, 20265.60%first recorded
Loan Amount: $15,000 to $35,000; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
As Low As; Up to 63 months
As Low As; Vehicle Value (Minimum) $3,000.00; Loan Amount (Minimum) $1,000.00; Model year not stated in source table
- Oct 13, 20265.94%▲ from 5.69%
- Oct 1, 20265.69%▲ from 5.44%
- Sep 14, 20265.44%first recorded
As Low As; Used (2020 & Older) vehicle loan
Credit Rating: C; >APR*
- Oct 8, 20266.10%▲ from 6.00%
- Sep 25, 20266.00%first recorded
As Low As; Model Year: 2023 and Newer; Vehicle Value (Minimum): $12,000.00; Loan Amount (Minimum): $4,000.00
- Oct 1, 20266.14%▲ from 5.89%
- Sep 14, 20265.89%first recorded
As Low As; Used (2021-2026); Loan amount $30K+
Term: 76-84 month term ($30K+); As Low As; Used (2021-2026) model year; Loan amount $30K+; APR shown as advertised 'As low as' rate
As Low As
- Oct 9, 20266.24%▲ from 5.99%
- Sep 14, 20265.99%first recorded
Credit Rating: B; >APR*
- Oct 8, 20266.25%▲ from 6.10%
- Sep 25, 20266.10%first recorded
Credit Rating: A+; >APR*
- Oct 8, 20266.25%▲ from 6.15%
- Sep 25, 20266.15%first recorded
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a used 2022 year car would have a 6.29% APR for 60 months, monthly payment of $584.04 for $30,000 financing, down payment of $0
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
As low as
As Low As; Vehicle Value (Minimum) $12,000.00; Loan Amount (Minimum) $4,000.00; Model year not stated in source table
- Oct 13, 20266.39%▲ from 6.14%
- Oct 1, 20266.14%▲ from 5.89%
- Sep 14, 20265.89%first recorded
Loan Amount: $15,000 to $35,000; Amount: Up to 100% of financing of NADA Clean Retail to include tax, tags, warranties and GAP; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.; Model Year: 2019 - 2023
Credit Rating: A; >APR*
- Oct 8, 20266.40%▲ from 6.15%
- Sep 25, 20266.15%first recorded
As Low As; Model Year: 2019 Model Year and Older; Vehicle Value Minimum: $3,000.00; Loan Amount Minimum: $1,000.00
- Oct 13, 20266.44%▲ from 5.69%
- Oct 1, 20265.69%▲ from 5.44%
- Sep 14, 20265.44%first recorded
Credit Rating: C; >APR*
- Oct 8, 20266.45%▲ from 6.35%
- Sep 25, 20266.35%first recorded
As Low As; Used (2020 & Older) vehicle loan; $30K+ loan amount
As Low As; Model Year: 2023 and Newer; Vehicle Value (Minimum): $20,000.00; Loan Amount (Minimum): $6,000.00
- Oct 1, 20266.79%▲ from 6.54%
- Sep 14, 20266.54%first recorded
As Low As; Model Year: 2019 Model Year and Older; Vehicle Value Minimum: $12,000.00; Loan Amount Minimum: $4,000.00
- Oct 13, 20266.89%▲ from 6.14%
- Oct 1, 20266.14%▲ from 5.89%
- Sep 14, 20265.89%first recorded
Credit Rating: B; >APR*
- Oct 8, 20266.90%▲ from 6.65%
- Sep 25, 20266.65%first recorded
As Low As
As Low As; Rates subject to change.
As Low As; Vehicle Value (Minimum) $20,000.00; Loan Amount (Minimum) $6,000.00; Model year not stated in source table
- Oct 13, 20267.04%▲ from 6.79%
- Oct 1, 20266.79%▲ from 6.54%
- Sep 14, 20266.54%first recorded
Loan Amount: $35,000+; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
As Low As; New & Used
As low as
Loan Amount: $35,000+; Amount: Up to 100% of financing of NADA Clean Retail to include tax, tags, warranties and GAP; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.; Model Year: 2019 - 2023
As Low As; Model Year: 2019 Model Year and Older; Vehicle Value Minimum: $20,000.00; Loan Amount Minimum: $6,000.00
- Oct 13, 20267.54%▲ from 6.79%
- Oct 1, 20266.79%▲ from 6.54%
- Sep 14, 20266.54%first recorded
Credit Rating: C; >APR*
- Oct 8, 20267.55%▲ from 7.45%
- Sep 25, 20267.45%first recorded
As Low As; Model Year: 2023 and Newer; Vehicle Value (Minimum): $40,000.00; Loan Amount (Minimum): $12,000.00
- Oct 1, 20267.79%▲ from 7.54%
- Sep 14, 20267.54%first recorded
Finance up to 80% of the NADA book value, provided that the auto in not less than $4,000.00 as published in NADA book. The loan can included taxes and tags. Age of auto and term is not to exceed 11 years. Maximum mileage of auto not to exceed 75,000 miles. Minimum deposit of $200.00 must be maintained in member's share account. A copy of the purchase invoice and proof of insurance is necessary when making an application.
Credit Rating: C; >APR*
- Oct 8, 20268.00%▲ from 7.85%
- Sep 25, 20267.85%first recorded
As Low As; Vehicle Value (Minimum) $40,000.00; Loan Amount (Minimum) $12,000.00; Model year not stated in source table
- Oct 13, 20268.04%▲ from 7.79%
- Oct 1, 20267.79%▲ from 7.54%
- Sep 14, 20267.54%first recorded
Term: 76-144 Months ($30K+); As Low As; New & Used
As Low As; Model Year: 2019 Model Year and Older; Vehicle Value Minimum: $40,000.00; Loan Amount Minimum: $12,000.00
- Oct 13, 20268.54%▲ from 7.79%
- Oct 1, 20267.79%▲ from 7.54%
- Sep 14, 20267.54%first recorded
Credit Rating: C; >APR*
- Oct 8, 20269.15%▲ from 9.00%
- Sep 25, 20269.00%first recorded
Credit Rating: C; >APR*
- Oct 8, 202610.05%▲ from 9.80%
- Sep 25, 20269.80%first recorded
As Low As; Effective Date: October 02, 2026; Vehicle Model Years: All Years**
As Low As; Model Year: 2026 - 2024
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.
Pennsylvania new auto rates rose 0.035 points over the past 7 days to 5.320% APR.
Pennsylvania used auto rates rose 0.058 points over the past 7 days to 6.182% APR.
Philadelphia, PA Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Pennsylvania figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Pennsylvania APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.32% APR PA average | Used Auto @ 6.18% APR PA average | Monthly Difference |
|---|---|---|---|
| $15,000 | $285.27/mo | $291.26/mo | $5.99/mo |
| $25,000 | $475.46/mo | $485.44/mo | $9.98/mo |
| $35,000 | $665.64/mo | $679.61/mo | $13.97/mo |
| $45,000 | $855.82/mo | $873.79/mo | $17.96/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in Philadelphia, Pennsylvania
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Philadelphia, Pennsylvania locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Pennsylvania. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
- Saving up for a bigger down payment: park it in a Philadelphia, Pennsylvania high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Philadelphia, Pennsylvania CD rates lock in a guaranteed return until you’re ready to buy
Philadelphia, Pennsylvania Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $571 monthly car payment works out to roughly 16.1% of the median individual income in Philadelphia, Pennsylvania. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Philadelphia, Pennsylvania, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1 to 3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0 to 2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Philadelphia, Pennsylvania. We’ve prefilled the APR with today’s PA new-auto average, or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our 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.
Bad Credit Auto Loans in Philadelphia, Pennsylvania
You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.
| Credit Tier | Score Range | New Car APR | Used Car APR | $25,000 Used, 60 Mo. |
|---|---|---|---|---|
| Super prime | 781 to 850 | 4.41% | 6.29% | $487/mo |
| Prime | 661 to 780 | 6.15% | 8.81% | $517/mo |
| Near prime | 601 to 660 | 9.71% | 13.93% | $581/mo |
| Subprime | 501 to 600 | 13.52% | 19.10% | $650/mo |
| Deep subprime | 300 to 500 | 16.11% | 21.62% | $685/mo |
Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.
Get Preapproved Before the Dealer
A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.
Put More Money Down
A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.
Keep the Term Short
A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.
Add a Cosigner
A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.
Be Careful With Buy Here Pay Here
These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.
Frequently Asked Questions about Auto Loans in Philadelphia, Pennsylvania
How does my credit score affect my car loan rate in Pennsylvania?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
Should I get preapproved for an auto loan before visiting a dealer in Philadelphia, Pennsylvania?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
Can I get an auto loan with bad credit in Philadelphia, Pennsylvania?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Philadelphia, Pennsylvania?
- American Airlines Federal Credit Union: 3.34% (New Auto)
- Navy Federal Credit Union: 3.89% (New Auto Loan)
- ADVANTAGE FINANCIAL: 3.99% (New or Used Vehicles Loan)
- FedChoice Federal Credit Union: 4.50% (New Vehicles Loan)
- Reliance Federal Credit Union: 4.80% (New Auto Loans)
Philadelphia, Pennsylvania Rates & Resources
