Auto Loan Rates in Philadelphia, Pennsylvania (PA) for July 2026
Brian McKay
Brian McKay
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Current auto loan rates in Philadelphia, Pennsylvania include American Airlines Federal Credit UnionAmerican Airlines Federal Credit Union8500 Essington Ave Ste B, Philadelphia, PA, 19153 3716A+5.0 ★Texas Ratio: 2.51% offering New Auto at 3.34%, Freedom Credit UnionFreedom Credit Union9910 Frankford Ave, Philadelphia, PA, 19114 1900A+5.0 ★Texas Ratio: 2.99% offering Auto Loan at 3.99%, ADVANTAGE FINANCIALADVANTAGE FINANCIAL5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144A5.0 ★Texas Ratio: 7.37% offering Auto Loans at 4.49%, FedChoice Federal Credit UnionFedChoice Federal Credit Union2970 Market St, Philadelphia, PA, 19104 5002A5.0 ★Texas Ratio: 7.62% offering New Auto Loan at 4.50%, Reliance Federal Credit UnionReliance Federal Credit Union8704A Crispin Dr, Philadelphia, PA, 19136 1304A5.0 ★Texas Ratio: 6.33% offering New Auto Loans 24 Months at 4.70%. Auto loan rates as of July 16, 2026 according to verified data from MonitorBankRates.
Philadelphia has 14 local institutions in our database, with auto loan rates as low as 3.34% APR from American Airlines Federal Credit Union at 8500 Essington Ave Ste B, Philadelphia, PA, 19153 3716. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Philadelphia, Pennsylvania. Auto Loan Rates Last Updated and Verified: July 16, 2026
Compare Auto Loan Rates Today in Philadelphia, Pennsylvania & Surrounding Area
Philadelphia Auto Loan Rates
APR* As Low As
APR* As Low As
As Low As; w/ Auto Pay Discount: 4.39%
As Low As; w/ Auto Pay Discount: 4.39%
As Low As; New Vehicles
As Low As; New Vehicles
Credit Rating: A+
as low as
As Low As
As Low As; Maximum $125,000
As Low As; w/ Auto Pay Discount: 4.89%
As Low As; w/ Auto Pay Discount: 4.89%
Credit Rating: A
Credit Rating: A+
As Low As; 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.
Up to $15,000; 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 are subject to change. Payment examples do not include debt protection coverage.
Credit Rating: A
Credit Rating: A+
As Low As; Vehicle Value (Minimum): $3,000.00; Loan Amount (Minimum): $1,000.00
Credit Rating: B
Credit Rating: A+
As Low As
APR* As Low As
Credit Rating: A
Credit Rating: A
Credit Rating: B
As Low As
As Low As; Vehicle Value (Minimum): $12,000.00; Loan Amount (Minimum): $4,000.00
As Low As
Credit Rating: B
As Low As; Bright Auto Loans
As Low As; Used (2021-2026)
As Low As; w/ Auto Pay Discount: 5.39%
As Low As; w/ Auto Pay Discount: 5.39%
Up to $15,000 loan amount. Up to 100% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. New member discount is not applicable. 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+
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. APR as low as and Loan Rates are subject to change.
Credit Rating: B
Credit Rating: A
As Low As
As Low As; Bright Auto Loans
$30; As Low As
As Low As; Maximum $125,000
As Low As; New Vehicles
As Low As
As Low As; Vehicle Value (Minimum): $20,000.00; Loan Amount (Minimum): $6,000.00
As Low As; 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.
$15,000 to $35,000; 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 are subject to change. Payment examples do not include debt protection coverage.
As Low As; Vehicle Value (Minimum): $3,000.00; Loan Amount (Minimum): $1,000.00
$30; As Low As; Bright Auto Loans
$30; As Low As; Used (2021-2026)
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. APR as low as and Loan Rates are subject to change.
Credit Rating: C
Credit Rating: A+
As Low As
Credit Rating: B
As Low As; Vehicle Value (Minimum): $12,000.00; Loan Amount (Minimum): $4,000.00
Credit Rating: A
$30; As Low As; Bright Auto Loans
Credit Rating: C
$15,000 to $35,000 loan amount. Up to 100% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. New member discount is not applicable. 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.
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. APR as low as and Loan Rates are subject to change.
As Low As; w/ Auto Pay Discount: 6.39%
As Low As; w/ Auto Pay Discount: 6.39%
As Low As
As Low As; Vehicle Value (Minimum): $20,000.00; Loan Amount (Minimum): $6,000.00
Credit Rating: B
As Low As; Vehicle Value (Minimum): $40,000.00; Loan Amount (Minimum): $12,000.00
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. APR as low as and Loan Rates are subject to change.
As Low As
As Low As; 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.
$35,000+; 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 are subject to change. Payment examples do not include debt protection coverage.
$35,000+ loan amount. Up to 100% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. New member discount is not applicable. 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
As Low As; Maximum $100,000
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. APR as low as and Loan Rates are subject to change.
As Low As; w/ Auto Pay Discount: 7.39%
As Low As; w/ Auto Pay Discount: 7.39%
As Low As; Vehicle Value (Minimum): $40,000.00; Loan Amount (Minimum): $12,000.00
As Low As
Credit Rating: C
As Low As; Minimum $15,000; Maximum $100,000
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. APR as low as and Loan Rates are subject to change.
As Low As; Includes Personal Watercraft and Snowmobiles. APR is based on evaluation of applicant's credit at time of application. Your actual APR may vary. FedChoice Federal Credit Union's normal underwriting requirements apply. Not all will qualify for the lowest rate. Not all will be approved.
As Low As
Credit Rating: C
As Low As; Includes Personal Watercraft and Snowmobiles. APR is based on evaluation of applicant's credit at time of application. Your actual APR may vary. FedChoice Federal Credit Union's normal underwriting requirements apply. Not all will qualify for the lowest rate. Not all will be approved.
As Low As; Maximum $100,000
As Low As; Includes Personal Watercraft and Snowmobiles. APR is based on evaluation of applicant's credit at time of application. Your actual APR may vary. FedChoice Federal Credit Union's normal underwriting requirements apply. Not all will qualify for the lowest rate. Not all will be approved.
Credit Rating: C
Limited-time offer. Save on a new or refinanced vehicle this summer with rates starting as low as 2.99% APR for 36 months with autopay from a United checking account.
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
APR*
APR*
APR*
Zero Down Payment
2016-2019
APR*
APR*
APR*
APR*
APR*
As Low As
APR*
APR*
APR*
APR*
APR*
As Low As;*
Model Years 2024-2026; *
As Low As; (based on credit score)
As low as; (based on credit score)
APR*
APR*
APR*
APR*
APR*
Zero Down Payment
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
As Low As; New or Used Vehicles
Min. value of car $15,000
Model Years 2024-2026; *
As Low As; Lowest rates are for qualified applicants and dependent on opening and maintaining an active UECU Checking Account (excluding Green Light CheckingTM) with at least one transaction per month. Rates will vary based on an evaluation of credit, term, loan to value, and/or collateral evaluation if applicable. Not all applicants will quality. Actual rate may differ. Share Secured Loan is 100% secured by funds in your share savings account. Other fees, terms, and conditions may apply for each loan type. Information provided herein is subject to change without notice.
As Low As; APR=Annual Percentage Rate. UECU's lowest auto loan rate of 4.24% APR is based upon an evaluation of credit worthiness criteria and maintaining an active UECU Checking Account (excluding Green Light CheckingTM) with at least one transaction per month. Rate quoted for a 36-month term; your actual rate may differ. Limited time offer. Offer is subject to change without notice. Rate quoted is for new loans only; refinancing of existing UECU auto loans are not eligible. Certain auto model year and term restrictions apply.
As Low As; 2025 & newer
APR*
APR*
APR*
APR*
80-90% NADA retail
As Low As; New or Used Vehicles
As Low As; This rate includes the .25% discount for Auto Pay.
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
As Low As
As Low As; 2022 - 2024
As Low As; Up to 110% Financing
As Low As; New & Used Auto (2026-2023)
As Low As; This rate includes the .25% discount with Auto Pay.
As Low As; This rate includes the .25% discount with Auto Pay.
As Low As; New 2026 & 2025 (Includes motorcycles)
Philadelphia New Auto Auto Loan Rates
As Low As; w/ Auto Pay Discount: 4.39%
As Low As; New Vehicles
As Low As; New Vehicles
As Low As
As Low As; w/ Auto Pay Discount: 4.89%
As Low As; 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.
Up to $15,000; 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 are subject to change. Payment examples do not include debt protection coverage.
As Low As; Vehicle Value (Minimum): $3,000.00; Loan Amount (Minimum): $1,000.00
As Low As; Vehicle Value (Minimum): $12,000.00; Loan Amount (Minimum): $4,000.00
As Low As
As Low As; w/ Auto Pay Discount: 5.39%
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. APR as low as and Loan Rates are subject to change.
As Low As
As Low As; New Vehicles
As Low As
As Low As; Vehicle Value (Minimum): $20,000.00; Loan Amount (Minimum): $6,000.00
As Low As; 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.
$15,000 to $35,000; 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 are subject to change. Payment examples do not include debt protection coverage.
As Low As; Vehicle Value (Minimum): $3,000.00; Loan Amount (Minimum): $1,000.00
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. APR as low as and Loan Rates are subject to change.
As Low As
As Low As; Vehicle Value (Minimum): $12,000.00; Loan Amount (Minimum): $4,000.00
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. APR as low as and Loan Rates are subject to change.
As Low As; w/ Auto Pay Discount: 6.39%
As Low As
As Low As; Vehicle Value (Minimum): $20,000.00; Loan Amount (Minimum): $6,000.00
As Low As; Vehicle Value (Minimum): $40,000.00; Loan Amount (Minimum): $12,000.00
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. APR as low as and Loan Rates are subject to change.
As Low As
As Low As; 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.
$35,000+; 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 are subject to change. Payment examples do not include debt protection coverage.
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. APR as low as and Loan Rates are subject to change.
As Low As; w/ Auto Pay Discount: 7.39%
As Low As; Vehicle Value (Minimum): $40,000.00; Loan Amount (Minimum): $12,000.00
As Low As
As Low As
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
APR*
APR*
APR*
Zero Down Payment
APR*
APR*
As Low As
APR*
APR*
As Low As;*
Model Years 2024-2026; *
As Low As; (based on credit score)
APR*
APR*
Zero Down Payment
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
As Low As; New or Used Vehicles
Min. value of car $15,000
Model Years 2024-2026; *
APR*
APR*
80-90% NADA retail
As Low As; New or Used Vehicles
As Low As; This rate includes the .25% discount for Auto Pay.
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
As Low As
As Low As; New & Used Auto (2026-2023)
As Low As; This rate includes the .25% discount with Auto Pay.
As Low As; New 2026 & 2025 (Includes motorcycles)
Philadelphia Used Auto Auto Loan Rates
As Low As; w/ Auto Pay Discount: 4.39%
Credit Rating: A+
as low as
As Low As; w/ Auto Pay Discount: 4.89%
Credit Rating: A
Credit Rating: A+
Up to $15,000; 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 are subject to change. Payment examples do not include debt protection coverage.
Credit Rating: A
Credit Rating: A+
As Low As; Vehicle Value (Minimum): $3,000.00; Loan Amount (Minimum): $1,000.00
Credit Rating: B
Credit Rating: A+
Credit Rating: A
Credit Rating: A
Credit Rating: B
As Low As
As Low As; Vehicle Value (Minimum): $12,000.00; Loan Amount (Minimum): $4,000.00
As Low As
Credit Rating: B
As Low As; Used (2021-2026)
As Low As; w/ Auto Pay Discount: 5.39%
Up to $15,000 loan amount. Up to 100% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. New member discount is not applicable. 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+
Credit Rating: B
Credit Rating: A
As Low As
As Low As
As Low As; Vehicle Value (Minimum): $20,000.00; Loan Amount (Minimum): $6,000.00
$15,000 to $35,000; 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 are subject to change. Payment examples do not include debt protection coverage.
As Low As; Vehicle Value (Minimum): $3,000.00; Loan Amount (Minimum): $1,000.00
$30; As Low As; Used (2021-2026)
Credit Rating: C
Credit Rating: A+
As Low As
Credit Rating: B
As Low As; Vehicle Value (Minimum): $12,000.00; Loan Amount (Minimum): $4,000.00
Credit Rating: A
Credit Rating: C
$15,000 to $35,000 loan amount. Up to 100% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. New member discount is not applicable. 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; w/ Auto Pay Discount: 6.39%
As Low As
As Low As; Vehicle Value (Minimum): $20,000.00; Loan Amount (Minimum): $6,000.00
Credit Rating: B
As Low As; Vehicle Value (Minimum): $40,000.00; Loan Amount (Minimum): $12,000.00
As Low As
$35,000+; 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 are subject to change. Payment examples do not include debt protection coverage.
$35,000+ loan amount. Up to 100% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. New member discount is not applicable. 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
As Low As; w/ Auto Pay Discount: 7.39%
As Low As; Vehicle Value (Minimum): $40,000.00; Loan Amount (Minimum): $12,000.00
As Low As
Credit Rating: C
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. APR as low as and Loan Rates are subject to change.
As Low As
Credit Rating: C
Credit Rating: C
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
2016-2019
APR*
APR*
APR*
APR*
APR*
APR*
As low as; (based on credit score)
APR*
APR*
APR*
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
As Low As; New or Used Vehicles
Min. value of car $15,000
APR*
APR*
80-90% NADA retail
As Low As; New or Used Vehicles
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
As Low As; New & Used Auto (2026-2023)
As Low As; This rate includes the .25% discount with Auto Pay.
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 fell 0.237 points over the past 7 days to 5.950% APR.
Pennsylvania used auto rates rose 0.090 points over the past 7 days to 7.751% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Philadelphia, Pennsylvania auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Philadelphia, Pennsylvania directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Philadelphia, Pennsylvania. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in PA.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Philadelphia, Pennsylvania
How does my credit score affect my car loan rate in Pennsylvania?
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?
What are the best Auto Loan rates in Philadelphia, Pennsylvania?
- American Airlines Federal Credit Union: 3.34% (New Auto)
- Freedom Credit Union: 3.99% (Auto Loan)
- ADVANTAGE FINANCIAL: 4.49% (Auto Loans)
- FedChoice Federal Credit Union: 4.50% (New Auto Loan)
- Reliance Federal Credit Union: 4.70% (New Auto Loans 24 Months)
Philadelphia, Pennsylvania Rates & Resources
