Auto Loan Rates in Philadelphia, Pennsylvania (PA) for April 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
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 Auto Loans at 4.49%, 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%, Pennsylvania State Employees Credit UnionPennsylvania State Employees Credit Union12901 Townsend Rd, Philadelphia, PA, 19154 1021A+5.0 ★Texas Ratio: 5.69% offering Auto Loan Refinance at 4.69%, Reliance Federal Credit UnionReliance Federal Credit Union8704A Crispin Dr, Philadelphia, PA, 19136 1304A5.0 ★Texas Ratio: 6.80% offering New Auto Loans 24 Months A+ at 4.70%. Auto loan rates as of April 19, 2026 according to verified data from MonitorBankRates.
Philadelphia has 13 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: April 19, 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 UpdatedApr 18, 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 UpdatedApr 18, 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
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedApr 18, 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 UpdatedApr 19, 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
Same rate on NEW or USED vehicles
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 19, 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 UpdatedApr 17, 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
▼
APR4.50%
Termup to 60
Last UpdatedApr 17, 2026
Details
As Low As; $5,000 min
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
Auto Loan Refinance
4.69%
1 - 63
▼
APR4.69%
Term1 - 63
Last UpdatedApr 19, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 24 Months A+
4.70%
24 Months
▼
APR4.70%
Term24 Months
Last UpdatedApr 17, 2026
Details
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
▼
APR4.75%
Term61 to 72
Last UpdatedApr 17, 2026
Details
As Low As; $15,000 min
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 24 Months A
4.75%
24 Months
▼
APR4.75%
Term24 Months
Last UpdatedApr 17, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 36 Months A+
4.80%
36 Months
▼
APR4.80%
Term36 Months
Last UpdatedApr 17, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 36 Months A
4.85%
36 Months
▼
APR4.85%
Term36 Months
Last UpdatedApr 17, 2026
Details
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
2307 Brown St, Philadelphia, PA, 19130
Auto Loan
4.89%
48 Months
▼
APR4.89%
Term48 Months
Last UpdatedApr 18, 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
Auto Loan Refinance
4.89%
64 - 75
▼
APR4.89%
Term64 - 75
Last UpdatedApr 19, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 24 Months B
4.90%
24 Months
▼
APR4.90%
Term24 Months
Last UpdatedApr 17, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 48 Months A+
4.90%
48 Months
▼
APR4.90%
Term48 Months
Last UpdatedApr 17, 2026
Details
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
Auto Loan Refinance
4.94%
1 - 63
▼
APR4.94%
Term1 - 63
Last UpdatedApr 19, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 48 Months A
4.95%
48 Months
▼
APR4.95%
Term48 Months
Last UpdatedApr 17, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 63 Months A+
4.95%
63 Months
▼
APR4.95%
Term63 Months
Last UpdatedApr 17, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
4.95%
24 Months
▼
APR4.95%
Term24 Months
Last UpdatedApr 17, 2026
Details
Credit Rating: A+
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 UpdatedApr 18, 2026
Details
As Low As
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
2307 Brown St, Philadelphia, PA, 19130
Auto Loan
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 19, 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
Same rate on NEW or USED vehicles
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 19, 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 UpdatedApr 17, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 36 Months B
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedApr 17, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 63 Months A
5.00%
63 Months
▼
APR5.00%
Term63 Months
Last UpdatedApr 17, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
5.05%
24 Months
▼
APR5.05%
Term24 Months
Last UpdatedApr 17, 2026
Details
Credit Rating: A
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
300 Spring Garden St, Philadelphia, PA, 19123
New Auto Loan
5.10%
66 Months
▼
APR5.10%
Term66 Months
Last UpdatedApr 17, 2026
Details
As Low As; Up to $25,000
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
300 Spring Garden St, Philadelphia, PA, 19123
Used Same as New Auto Loan
5.10%
66 Months
▼
APR5.10%
Term66 Months
Last UpdatedApr 17, 2026
Details
As Low As; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
Auto Loan Refinance
5.14%
64 - 75
▼
APR5.14%
Term64 - 75
Last UpdatedApr 19, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 48 Months B
5.15%
48 Months
▼
APR5.15%
Term48 Months
Last UpdatedApr 17, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
5.15%
36 Months
▼
APR5.15%
Term36 Months
Last UpdatedApr 17, 2026
Details
Credit Rating: A
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
2307 Brown St, Philadelphia, PA, 19130
Auto Loan
5.19%
75 Months
▼
APR5.19%
Term75 Months
Last UpdatedApr 18, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 75 Months A+
5.20%
75 Months
▼
APR5.20%
Term75 Months
Last UpdatedApr 17, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
5.20%
24 Months
▼
APR5.20%
Term24 Months
Last UpdatedApr 17, 2026
Details
Credit Rating: B
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 UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 18, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedApr 17, 2026
Details
Credit Rating: A
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
Auto Loan Refinance
5.29%
76 - 84
▼
APR5.29%
Term76 - 84
Last UpdatedApr 19, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 63 Months B
5.30%
63 Months
▼
APR5.30%
Term63 Months
Last UpdatedApr 17, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 75 Months A
5.30%
75 Months
▼
APR5.30%
Term75 Months
Last UpdatedApr 17, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
5.30%
36 Months
▼
APR5.30%
Term36 Months
Last UpdatedApr 17, 2026
Details
Credit Rating: B
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
Auto Loan Refinance
5.44%
1 - 63
▼
APR5.44%
Term1 - 63
Last UpdatedApr 19, 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
5.44%
1 - 63
▼
APR5.44%
Term1 - 63
Last UpdatedApr 19, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
5.45%
48 Months
▼
APR5.45%
Term48 Months
Last UpdatedApr 17, 2026
Details
Credit Rating: B
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 UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 19, 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
Same rate on NEW or USED vehicles
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
300 Spring Garden St, Philadelphia, PA, 19123
Used Auto Loan
5.50%
66 Months
▼
APR5.50%
Term66 Months
Last UpdatedApr 17, 2026
Details
As Low As; Up to $15,000
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
5.50%
75 Months
▼
APR5.50%
Term75 Months
Last UpdatedApr 17, 2026
Details
Credit Rating: A+
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 UpdatedApr 19, 2026
Details
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
2307 Brown St, Philadelphia, PA, 19130
Auto Loan
5.54%
48 Months
▼
APR5.54%
Term48 Months
Last UpdatedApr 18, 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
Auto Loan Refinance
5.54%
76 - 84
▼
APR5.54%
Term76 - 84
Last UpdatedApr 19, 2026
Details
As Low As
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
2307 Brown St, Philadelphia, PA, 19130
Auto Loan
5.59%
84 Months
▼
APR5.59%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
5.60%
63 Months
▼
APR5.60%
Term63 Months
Last UpdatedApr 17, 2026
Details
Credit Rating: B
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
Auto Loan Refinance
5.64%
64 - 75
▼
APR5.64%
Term64 - 75
Last UpdatedApr 19, 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 UpdatedApr 19, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 24 Months C
5.70%
24 Months
▼
APR5.70%
Term24 Months
Last UpdatedApr 17, 2026
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.22%
2800 W Passyunk Ave, Philadelphia, PA, 19145 5206
Used (2020 & Older) 1-51 month term Bright Auto Loans
5.74%
51 Month
▼
APR5.74%
Term51 Month
Last UpdatedApr 18, 2026
Details
As Low As
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
2307 Brown St, Philadelphia, PA, 19130
Auto Loan
5.74%
66 Months
▼
APR5.74%
Term66 Months
Last UpdatedApr 18, 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 UpdatedApr 18, 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
▼
APR5.75%
Term73 to 84
Last UpdatedApr 17, 2026
Details
As Low As; $15,000 min
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 UpdatedApr 17, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 84 Months A+
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedApr 17, 2026
Details
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
300 Spring Garden St, Philadelphia, PA, 19123
New Auto Loan
5.80%
78 Months
▼
APR5.80%
Term78 Months
Last UpdatedApr 17, 2026
Details
As Low As; $15,000 to $35,000
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
300 Spring Garden St, Philadelphia, PA, 19123
Used Same as New Auto Loan
5.80%
78 Months
▼
APR5.80%
Term78 Months
Last UpdatedApr 17, 2026
Details
As Low As; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 75 Months B
5.80%
75 Months
▼
APR5.80%
Term75 Months
Last UpdatedApr 17, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 84 Months A
5.85%
84 Months
▼
APR5.85%
Term84 Months
Last UpdatedApr 17, 2026
Details
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 UpdatedApr 18, 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 UpdatedApr 18, 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
2023 - 2026 Auto Loan
5.99%
1-72
▼
APR5.99%
Term1-72
Last UpdatedApr 18, 2026
Details
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 UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 19, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
6.00%
24 Months
▼
APR6.00%
Term24 Months
Last UpdatedApr 17, 2026
Details
Credit Rating: C
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
Auto Loan Refinance
6.04%
76 - 84
▼
APR6.04%
Term76 - 84
Last UpdatedApr 19, 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
6.04%
76 - 84
▼
APR6.04%
Term76 - 84
Last UpdatedApr 19, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 36 Months C
6.05%
36 Months
▼
APR6.05%
Term36 Months
Last UpdatedApr 17, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
6.10%
75 Months
▼
APR6.10%
Term75 Months
Last UpdatedApr 17, 2026
Details
Credit Rating: B
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
2307 Brown St, Philadelphia, PA, 19130
Auto Loan
6.14%
75 Months
▼
APR6.14%
Term75 Months
Last UpdatedApr 18, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
6.15%
84 Months
▼
APR6.15%
Term84 Months
Last UpdatedApr 17, 2026
Details
Credit Rating: A
Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.22%
2800 W Passyunk Ave, Philadelphia, PA, 19145 5206
Used (2020 & Older) 52-60 month term Bright Auto Loans
6.24%
60 Month
▼
APR6.24%
Term60 Month
Last UpdatedApr 18, 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
Auto Loan Refinance
6.29%
85 - 96
▼
APR6.29%
Term85 - 96
Last UpdatedApr 19, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 84 Months B
6.35%
84 Months
▼
APR6.35%
Term84 Months
Last UpdatedApr 17, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
6.35%
36 Months
▼
APR6.35%
Term36 Months
Last UpdatedApr 17, 2026
Details
Credit Rating: C
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
300 Spring Garden St, Philadelphia, PA, 19123
Used Auto Loan
6.40%
78 Months
▼
APR6.40%
Term78 Months
Last UpdatedApr 17, 2026
Details
As Low As; $15,000 to $35,000
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
3200 Chestnut St, Philadelphia, PA, 19104 3395
2023 - 2026 Auto Loan
6.49%
73-84
▼
APR6.49%
Term73-84
Last UpdatedApr 18, 2026
Details
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 UpdatedApr 19, 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 UpdatedApr 19, 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
Same rate on NEW or USED vehicles
6.49%
72 Months
▼
APR6.49%
Term72 Months
Last UpdatedApr 19, 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 UpdatedApr 17, 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
Auto Loan Refinance
6.54%
85 - 96
▼
APR6.54%
Term85 - 96
Last UpdatedApr 19, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
6.65%
84 Months
▼
APR6.65%
Term84 Months
Last UpdatedApr 17, 2026
Details
Credit Rating: B
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
2307 Brown St, Philadelphia, PA, 19130
Auto Loan
6.99%
1 to 5 years
▼
APR6.99%
Term1 to 5 years
Last UpdatedApr 18, 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 UpdatedApr 19, 2026
Details
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
Auto Loan Refinance
7.04%
85 - 96
▼
APR7.04%
Term85 - 96
Last UpdatedApr 19, 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 UpdatedApr 19, 2026
Details
As Low As
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
300 Spring Garden St, Philadelphia, PA, 19123
New Auto Loan
7.05%
84 Months
▼
APR7.05%
Term84 Months
Last UpdatedApr 17, 2026
Details
As Low As; $35,000+
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
300 Spring Garden St, Philadelphia, PA, 19123
Used Same as New Auto Loan
7.05%
84 Months
▼
APR7.05%
Term84 Months
Last UpdatedApr 17, 2026
Details
As Low As; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
2307 Brown St, Philadelphia, PA, 19130
Auto Loan
7.14%
48 Months
▼
APR7.14%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 48 Months C
7.15%
48 Months
▼
APR7.15%
Term48 Months
Last UpdatedApr 17, 2026
Details
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
300 Spring Garden St, Philadelphia, PA, 19123
Used Auto Loan
7.40%
84 Months
▼
APR7.40%
Term84 Months
Last UpdatedApr 17, 2026
Details
As Low As; $35,000+
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
7.45%
48 Months
▼
APR7.45%
Term48 Months
Last UpdatedApr 17, 2026
Details
Credit Rating: C
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 UpdatedApr 19, 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 UpdatedApr 19, 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
Same rate on NEW or USED vehicles
7.49%
84 Months
▼
APR7.49%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 63 Months C
7.55%
63 Months
▼
APR7.55%
Term63 Months
Last UpdatedApr 17, 2026
Details
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 UpdatedApr 17, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
7.85%
63 Months
▼
APR7.85%
Term63 Months
Last UpdatedApr 17, 2026
Details
Credit Rating: C
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 UpdatedApr 19, 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%
84 Months
▼
APR8.00%
Term84 Months
Last UpdatedApr 17, 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 UpdatedApr 17, 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
Used Auto Loan Model Years: 2019 - 2020
8.24%
1-60 MONTHS
▼
APR8.24%
Term1-60 MONTHS
Last UpdatedApr 18, 2026
Details
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
2307 Brown St, Philadelphia, PA, 19130
Auto Loan
8.29%
63 Months
▼
APR8.29%
Term63 Months
Last UpdatedApr 18, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 75 Months C
8.70%
75 Months
▼
APR8.70%
Term75 Months
Last UpdatedApr 17, 2026
Details
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 UpdatedApr 18, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
9.00%
75 Months
▼
APR9.00%
Term75 Months
Last UpdatedApr 17, 2026
Details
Credit Rating: C
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
3200 Chestnut St, Philadelphia, PA, 19104 3395
Used Auto Loan
9.24%
1-54 Months
▼
APR9.24%
Term1-54 Months
Last UpdatedApr 18, 2026
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.41%
2970 Market St, Philadelphia, PA, 19104 5002
Leisure Vehicle Loan
9.25%
120 Months
▼
APR9.25%
Term120 Months
Last UpdatedApr 17, 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
9.44%
64 to 75 Months
▼
APR9.44%
Term64 to 75 Months
Last UpdatedApr 18, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 84 Months C
9.50%
84 Months
▼
APR9.50%
Term84 Months
Last UpdatedApr 17, 2026
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.41%
2970 Market St, Philadelphia, PA, 19104 5002
Leisure Vehicle Loan
9.75%
144 Months
▼
APR9.75%
Term144 Months
Last UpdatedApr 17, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
9.80%
84 Months
▼
APR9.80%
Term84 Months
Last UpdatedApr 17, 2026
Details
Credit Rating: C
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 UpdatedApr 17, 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 UpdatedApr 18, 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 UpdatedApr 18, 2026
Details
APR3.49%
Term36 Months
Last UpdatedApr 19, 2026
Details
Zero Down Payment
APR3.49%
Term36 Months
Last UpdatedApr 19, 2026
Details
2016-2019
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.70%
Up to 36 Months
▼
APR3.70%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
As Low As; Vehicle Model Years: All Years**
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 UpdatedApr 18, 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 UpdatedApr 17, 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 UpdatedApr 17, 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 UpdatedApr 17, 2026
Details
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 UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 19, 2026
Details
As Low As; APR is Annual Percentage Rate.
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.80%
Up to 48 Months
▼
APR3.80%
TermUp to 48 Months
Last UpdatedApr 18, 2026
Details
As Low As; Vehicle Model Years: All Years**
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.90%
Up to 60 Months
▼
APR3.90%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details
As Low As; Vehicle Model Years: All Years**
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.95%
Up to 36 Months
▼
APR3.95%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
As Low As; Vehicle Model Years: All Years**
Stanwood Area Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.48%
New Auto
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 17, 2026
Details
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
Fixed Rate Auto Loan 2018- 2027 Model Year
3.99%
Up to 60 Months
▼
APR3.99%
TermUp to 60 Months
Last UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 18, 2026
Details
As Low As
HERITAGE VALLEY
Institution Rating:
A-4.9 ★ Texas Ratio: 15.90%
2024 Auto Loan
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
HERITAGE VALLEY
Institution Rating:
A-4.9 ★ Texas Ratio: 15.90%
2025 - 2026 Auto Loan
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedApr 19, 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 UpdatedApr 17, 2026
Details
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Autos
4.00%
Up to 36 months
▼
APR4.00%
TermUp to 36 months
Last UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 18, 2026
Details
APR4.00%
Term60 Months
Last UpdatedApr 19, 2026
Details
Zero Down Payment
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.05%
Up to 48 Months
▼
APR4.05%
TermUp to 48 Months
Last UpdatedApr 18, 2026
Details
As Low As; Vehicle Model Years: All Years**
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.15%
Up to 60 Months
▼
APR4.15%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details
As Low As; Vehicle Model Years: All Years**
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 UpdatedApr 18, 2026
Details
As Low As; 3 YEAR REPAY
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.20%
Up to 72 Months
▼
APR4.20%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details
As Low As; Vehicle Model Years: 2020 or Newer**
Allegheny Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
New Vehicle Loan
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedApr 17, 2026
Details
As Low As; Current Year + 2 Years
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
Fixed Rate Auto Loan 2021 - 2027 Model Year
4.24%
Up to 84 Months
▼
APR4.24%
TermUp to 84 Months
Last UpdatedApr 18, 2026
Details
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 UpdatedApr 18, 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 UpdatedApr 18, 2026
Details
APR4.24%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; 2025 & newer
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
New Car Loans
4.25%
Up to 3 years
▼
APR4.25%
TermUp to 3 years
Last UpdatedApr 18, 2026
Details
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
Used Car Loans 2024 - 2026 models
4.25%
3 years
▼
APR4.25%
Term3 years
Last UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 18, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.30%
Up to 48 Months
▼
APR4.30%
TermUp to 48 Months
Last UpdatedApr 18, 2026
Details
As Low As
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 UpdatedApr 18, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.40%
Up to 60 Months
▼
APR4.40%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details
As Low As
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 UpdatedApr 18, 2026
Details
As Low As
APR4.44%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; 2024 & Older
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.45%
Up to 72 Months
▼
APR4.45%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details
As Low As; Vehicle Model Years: 2020 or Newer**
Allegheny Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
New Vehicle Loan
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As; Current Year + 2 Years
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
Fixed Rate Auto Loan 2016 - 2017 Model Year
4.49%
Up to 60 Months
▼
APR4.49%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details
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 UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 18, 2026
Details
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 UpdatedApr 19, 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 UpdatedApr 19, 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 UpdatedApr 19, 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 UpdatedApr 19, 2026
Details
As Low As
Elliott Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
New Vehicle
4.50%
24 months
▼
APR4.50%
Term24 months
Last UpdatedApr 17, 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 UpdatedApr 17, 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 UpdatedApr 17, 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 UpdatedApr 18, 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
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
Same rate on NEW or USED vehicles
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 19, 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 UpdatedApr 17, 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
▼
APR4.50%
Termup to 60
Last UpdatedApr 17, 2026
Details
As Low As; $5,000 min
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 24 Months A+
4.70%
24 Months
▼
APR4.70%
Term24 Months
Last UpdatedApr 17, 2026
Details
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
▼
APR4.75%
Term61 to 72
Last UpdatedApr 17, 2026
Details
As Low As; $15,000 min
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 24 Months A
4.75%
24 Months
▼
APR4.75%
Term24 Months
Last UpdatedApr 17, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 36 Months A+
4.80%
36 Months
▼
APR4.80%
Term36 Months
Last UpdatedApr 17, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 36 Months A
4.85%
36 Months
▼
APR4.85%
Term36 Months
Last UpdatedApr 17, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 24 Months B
4.90%
24 Months
▼
APR4.90%
Term24 Months
Last UpdatedApr 17, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 48 Months A+
4.90%
48 Months
▼
APR4.90%
Term48 Months
Last UpdatedApr 17, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 48 Months A
4.95%
48 Months
▼
APR4.95%
Term48 Months
Last UpdatedApr 17, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 63 Months A+
4.95%
63 Months
▼
APR4.95%
Term63 Months
Last UpdatedApr 17, 2026
Details
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 UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 18, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
Same rate on NEW or USED vehicles
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 36 Months B
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedApr 17, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 63 Months A
5.00%
63 Months
▼
APR5.00%
Term63 Months
Last UpdatedApr 17, 2026
Details
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
300 Spring Garden St, Philadelphia, PA, 19123
New Auto Loan
5.10%
66 Months
▼
APR5.10%
Term66 Months
Last UpdatedApr 17, 2026
Details
As Low As; Up to $25,000
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
300 Spring Garden St, Philadelphia, PA, 19123
Used Same as New Auto Loan
5.10%
66 Months
▼
APR5.10%
Term66 Months
Last UpdatedApr 17, 2026
Details
As Low As; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 48 Months B
5.15%
48 Months
▼
APR5.15%
Term48 Months
Last UpdatedApr 17, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 75 Months A+
5.20%
75 Months
▼
APR5.20%
Term75 Months
Last UpdatedApr 17, 2026
Details
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
1801 Market St, Philadelphia, PA, 19103 1628
New Auto
5.24%
75 months
▼
APR5.24%
Term75 months
Last UpdatedApr 18, 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 UpdatedApr 18, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 63 Months B
5.30%
63 Months
▼
APR5.30%
Term63 Months
Last UpdatedApr 17, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 75 Months A
5.30%
75 Months
▼
APR5.30%
Term75 Months
Last UpdatedApr 17, 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
5.44%
1 - 63
▼
APR5.44%
Term1 - 63
Last UpdatedApr 19, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
Same rate on NEW or USED vehicles
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedApr 19, 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 UpdatedApr 19, 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 UpdatedApr 19, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 24 Months C
5.70%
24 Months
▼
APR5.70%
Term24 Months
Last UpdatedApr 17, 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
▼
APR5.75%
Term73 to 84
Last UpdatedApr 17, 2026
Details
As Low As; $15,000 min
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 UpdatedApr 17, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 84 Months A+
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedApr 17, 2026
Details
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
300 Spring Garden St, Philadelphia, PA, 19123
New Auto Loan
5.80%
78 Months
▼
APR5.80%
Term78 Months
Last UpdatedApr 17, 2026
Details
As Low As; $15,000 to $35,000
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
300 Spring Garden St, Philadelphia, PA, 19123
Used Same as New Auto Loan
5.80%
78 Months
▼
APR5.80%
Term78 Months
Last UpdatedApr 17, 2026
Details
As Low As; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 75 Months B
5.80%
75 Months
▼
APR5.80%
Term75 Months
Last UpdatedApr 17, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 84 Months A
5.85%
84 Months
▼
APR5.85%
Term84 Months
Last UpdatedApr 17, 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 UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 19, 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 UpdatedApr 19, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 36 Months C
6.05%
36 Months
▼
APR6.05%
Term36 Months
Last UpdatedApr 17, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 84 Months B
6.35%
84 Months
▼
APR6.35%
Term84 Months
Last UpdatedApr 17, 2026
Details
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 UpdatedApr 19, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
Same rate on NEW or USED vehicles
6.49%
72 Months
▼
APR6.49%
Term72 Months
Last UpdatedApr 19, 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 UpdatedApr 17, 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 UpdatedApr 19, 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 UpdatedApr 19, 2026
Details
As Low As
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
300 Spring Garden St, Philadelphia, PA, 19123
New Auto Loan
7.05%
84 Months
▼
APR7.05%
Term84 Months
Last UpdatedApr 17, 2026
Details
As Low As; $35,000+
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
300 Spring Garden St, Philadelphia, PA, 19123
Used Same as New Auto Loan
7.05%
84 Months
▼
APR7.05%
Term84 Months
Last UpdatedApr 17, 2026
Details
As Low As; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 48 Months C
7.15%
48 Months
▼
APR7.15%
Term48 Months
Last UpdatedApr 17, 2026
Details
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 UpdatedApr 19, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
Same rate on NEW or USED vehicles
7.49%
84 Months
▼
APR7.49%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 63 Months C
7.55%
63 Months
▼
APR7.55%
Term63 Months
Last UpdatedApr 17, 2026
Details
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 UpdatedApr 17, 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 UpdatedApr 17, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 75 Months C
8.70%
75 Months
▼
APR8.70%
Term75 Months
Last UpdatedApr 17, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 84 Months C
9.50%
84 Months
▼
APR9.50%
Term84 Months
Last UpdatedApr 17, 2026
Details
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 UpdatedApr 17, 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 UpdatedApr 18, 2026
Details
APR3.49%
Term36 Months
Last UpdatedApr 19, 2026
Details
Zero Down Payment
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.70%
Up to 36 Months
▼
APR3.70%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
As Low As; Vehicle Model Years: All Years**
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 UpdatedApr 18, 2026
Details
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 UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 19, 2026
Details
As Low As; APR is Annual Percentage Rate.
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.80%
Up to 48 Months
▼
APR3.80%
TermUp to 48 Months
Last UpdatedApr 18, 2026
Details
As Low As; Vehicle Model Years: All Years**
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.90%
Up to 60 Months
▼
APR3.90%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details
As Low As; Vehicle Model Years: All Years**
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.95%
Up to 36 Months
▼
APR3.95%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
As Low As; Vehicle Model Years: All Years**
Stanwood Area Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.48%
New Auto
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 17, 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 UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 17, 2026
Details
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Autos
4.00%
Up to 36 months
▼
APR4.00%
TermUp to 36 months
Last UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 18, 2026
Details
APR4.00%
Term60 Months
Last UpdatedApr 19, 2026
Details
Zero Down Payment
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.05%
Up to 48 Months
▼
APR4.05%
TermUp to 48 Months
Last UpdatedApr 18, 2026
Details
As Low As; Vehicle Model Years: All Years**
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.15%
Up to 60 Months
▼
APR4.15%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details
As Low As; Vehicle Model Years: All Years**
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 UpdatedApr 18, 2026
Details
As Low As; 3 YEAR REPAY
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.20%
Up to 72 Months
▼
APR4.20%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details
As Low As; Vehicle Model Years: 2020 or Newer**
Allegheny Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
New Vehicle Loan
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedApr 17, 2026
Details
As Low As; Current Year + 2 Years
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 UpdatedApr 18, 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 UpdatedApr 18, 2026
Details
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
New Car Loans
4.25%
Up to 3 years
▼
APR4.25%
TermUp to 3 years
Last UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 18, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.30%
Up to 48 Months
▼
APR4.30%
TermUp to 48 Months
Last UpdatedApr 18, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.40%
Up to 60 Months
▼
APR4.40%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details
As Low As
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 UpdatedApr 18, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.45%
Up to 72 Months
▼
APR4.45%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details
As Low As; Vehicle Model Years: 2020 or Newer**
Allegheny Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
New Vehicle Loan
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As; Current Year + 2 Years
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 UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 18, 2026
Details
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 UpdatedApr 19, 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 UpdatedApr 19, 2026
Details
As Low As
Elliott Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
New Vehicle
4.50%
24 months
▼
APR4.50%
Term24 months
Last UpdatedApr 17, 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 UpdatedApr 17, 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 UpdatedApr 17, 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 UpdatedApr 18, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
Same rate on NEW or USED vehicles
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
4.95%
24 Months
▼
APR4.95%
Term24 Months
Last UpdatedApr 17, 2026
Details
Credit Rating: A+
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 UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 18, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
Same rate on NEW or USED vehicles
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 19, 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 UpdatedApr 17, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
5.05%
24 Months
▼
APR5.05%
Term24 Months
Last UpdatedApr 17, 2026
Details
Credit Rating: A
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
300 Spring Garden St, Philadelphia, PA, 19123
Used Same as New Auto Loan
5.10%
66 Months
▼
APR5.10%
Term66 Months
Last UpdatedApr 17, 2026
Details
As Low As; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
5.15%
36 Months
▼
APR5.15%
Term36 Months
Last UpdatedApr 17, 2026
Details
Credit Rating: A
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
5.20%
24 Months
▼
APR5.20%
Term24 Months
Last UpdatedApr 17, 2026
Details
Credit Rating: B
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 UpdatedApr 18, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedApr 17, 2026
Details
Credit Rating: A
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
5.30%
36 Months
▼
APR5.30%
Term36 Months
Last UpdatedApr 17, 2026
Details
Credit Rating: B
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 UpdatedApr 19, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
5.45%
48 Months
▼
APR5.45%
Term48 Months
Last UpdatedApr 17, 2026
Details
Credit Rating: B
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 UpdatedApr 18, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
Same rate on NEW or USED vehicles
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
300 Spring Garden St, Philadelphia, PA, 19123
Used Auto Loan
5.50%
66 Months
▼
APR5.50%
Term66 Months
Last UpdatedApr 17, 2026
Details
As Low As; Up to $15,000
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
5.50%
75 Months
▼
APR5.50%
Term75 Months
Last UpdatedApr 17, 2026
Details
Credit Rating: A+
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
5.60%
63 Months
▼
APR5.60%
Term63 Months
Last UpdatedApr 17, 2026
Details
Credit Rating: B
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 UpdatedApr 19, 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 (2020 & Older) 1-51 month term Bright Auto Loans
5.74%
51 Month
▼
APR5.74%
Term51 Month
Last UpdatedApr 18, 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 UpdatedApr 17, 2026
Details
As Low As
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
300 Spring Garden St, Philadelphia, PA, 19123
Used Same as New Auto Loan
5.80%
78 Months
▼
APR5.80%
Term78 Months
Last UpdatedApr 17, 2026
Details
As Low As; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
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 UpdatedApr 18, 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 UpdatedApr 18, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
6.00%
24 Months
▼
APR6.00%
Term24 Months
Last UpdatedApr 17, 2026
Details
Credit Rating: C
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 UpdatedApr 19, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
6.10%
75 Months
▼
APR6.10%
Term75 Months
Last UpdatedApr 17, 2026
Details
Credit Rating: B
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
6.15%
84 Months
▼
APR6.15%
Term84 Months
Last UpdatedApr 17, 2026
Details
Credit Rating: A
Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.22%
2800 W Passyunk Ave, Philadelphia, PA, 19145 5206
Used (2020 & Older) 52-60 month term Bright Auto Loans
6.24%
60 Month
▼
APR6.24%
Term60 Month
Last UpdatedApr 18, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
6.35%
36 Months
▼
APR6.35%
Term36 Months
Last UpdatedApr 17, 2026
Details
Credit Rating: C
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
300 Spring Garden St, Philadelphia, PA, 19123
Used Auto Loan
6.40%
78 Months
▼
APR6.40%
Term78 Months
Last UpdatedApr 17, 2026
Details
As Low As; $15,000 to $35,000
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
Same rate on NEW or USED vehicles
6.49%
72 Months
▼
APR6.49%
Term72 Months
Last UpdatedApr 19, 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 UpdatedApr 17, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
6.65%
84 Months
▼
APR6.65%
Term84 Months
Last UpdatedApr 17, 2026
Details
Credit Rating: B
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 UpdatedApr 19, 2026
Details
As Low As
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
300 Spring Garden St, Philadelphia, PA, 19123
Used Same as New Auto Loan
7.05%
84 Months
▼
APR7.05%
Term84 Months
Last UpdatedApr 17, 2026
Details
As Low As; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
300 Spring Garden St, Philadelphia, PA, 19123
Used Auto Loan
7.40%
84 Months
▼
APR7.40%
Term84 Months
Last UpdatedApr 17, 2026
Details
As Low As; $35,000+
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
7.45%
48 Months
▼
APR7.45%
Term48 Months
Last UpdatedApr 17, 2026
Details
Credit Rating: C
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
Same rate on NEW or USED vehicles
7.49%
84 Months
▼
APR7.49%
Term84 Months
Last UpdatedApr 19, 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 UpdatedApr 17, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
7.85%
63 Months
▼
APR7.85%
Term63 Months
Last UpdatedApr 17, 2026
Details
Credit Rating: C
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 UpdatedApr 19, 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 UpdatedApr 17, 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
Used Auto Loan Model Years: 2019 - 2020
8.24%
1-60 MONTHS
▼
APR8.24%
Term1-60 MONTHS
Last UpdatedApr 18, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
9.00%
75 Months
▼
APR9.00%
Term75 Months
Last UpdatedApr 17, 2026
Details
Credit Rating: C
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
3200 Chestnut St, Philadelphia, PA, 19104 3395
Used Auto Loan
9.24%
1-54 Months
▼
APR9.24%
Term1-54 Months
Last UpdatedApr 18, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
9.80%
84 Months
▼
APR9.80%
Term84 Months
Last UpdatedApr 17, 2026
Details
Credit Rating: C
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 UpdatedApr 18, 2026
Details
APR3.49%
Term36 Months
Last UpdatedApr 19, 2026
Details
2016-2019
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.70%
Up to 36 Months
▼
APR3.70%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
As Low As; Vehicle Model Years: 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 UpdatedApr 17, 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 UpdatedApr 17, 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 UpdatedApr 17, 2026
Details
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 UpdatedApr 18, 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 UpdatedApr 19, 2026
Details
As Low As; APR is Annual Percentage Rate.
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.80%
Up to 48 Months
▼
APR3.80%
TermUp to 48 Months
Last UpdatedApr 18, 2026
Details
As Low As; Vehicle Model Years: All Years**
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.90%
Up to 60 Months
▼
APR3.90%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details
As Low As; Vehicle Model Years: All Years**
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.95%
Up to 36 Months
▼
APR3.95%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
As Low As; Vehicle Model Years: All Years**
Citymark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
Used Car
3.99%
96 Months
▼
APR3.99%
Term96 Months
Last UpdatedApr 18, 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 UpdatedApr 18, 2026
Details
As Low As
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.05%
Up to 48 Months
▼
APR4.05%
TermUp to 48 Months
Last UpdatedApr 18, 2026
Details
As Low As; Vehicle Model Years: All Years**
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.15%
Up to 60 Months
▼
APR4.15%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details
As Low As; Vehicle Model Years: All Years**
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 UpdatedApr 18, 2026
Details
As Low As; 3 YEAR REPAY
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.20%
Up to 72 Months
▼
APR4.20%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details
As Low As; Vehicle Model Years: 2020 or Newer**
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 UpdatedApr 18, 2026
Details
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
Used Car Loans 2024 - 2026 models
4.25%
3 years
▼
APR4.25%
Term3 years
Last UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 18, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.30%
Up to 48 Months
▼
APR4.30%
TermUp to 48 Months
Last UpdatedApr 18, 2026
Details
As Low As
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 UpdatedApr 18, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.40%
Up to 60 Months
▼
APR4.40%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.45%
Up to 72 Months
▼
APR4.45%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details
As Low As; Vehicle Model Years: 2020 or Newer**
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 UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 19, 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 UpdatedApr 19, 2026
Details
As Low As
Powered by
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
5.607%
▼ 0.302 vs 7 days ago
Pennsylvania new auto rates fell 0.302 points over the past 7 days to 5.607% APR.
Used Auto Loan — PA Avg
7.684%
▲ 0.171 vs 7 days ago
Pennsylvania used auto rates rose 0.171 points over the past 7 days to 7.684% APR.
As of Apr 23, 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: 4.49% (Auto Loans)
- FedChoice Federal Credit Union: 4.50% (New Auto Loan)
- Pennsylvania State Employees Credit Union: 4.69% (Auto Loan Refinance)
- Reliance Federal Credit Union: 4.70% (New Auto Loans 24 Months A+)
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: April 19, 2026
Philadelphia, Pennsylvania Rates & Resources
Rate Assistant
MonitorBankRates.com · Live Data
Try asking