Philadelphia, PA Best Auto Loan Rates - September 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: 2.50% offering New Auto at 3.34%, Freedom Credit UnionFreedom Credit Union9910 Frankford Ave, Philadelphia, PA, 19114 1900A+5.0 ★Texas Ratio: 2.95% offering Auto Loan at 3.99%, ADVANTAGE FINANCIALADVANTAGE FINANCIAL5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144A5.0 ★Texas Ratio: 6.83% offering NEW or USED vehicles Loan at 3.99%, FedChoice Federal Credit UnionFedChoice Federal Credit Union2970 Market St, Philadelphia, PA, 19104 5002A5.0 ★Texas Ratio: 8.79% offering New Vehicles Loan at 4.50%, Eagle One Federal Credit UnionEagle One Federal Credit Union7500 Lindbergh Blvd, Philadelphia, PA, 19176A5.0 ★Texas Ratio: 11.56% offering Auto Loan at 4.50%. Auto loan rates as of September 22, 2026 according to verified data from MonitorBankRates.
Philadelphia has 17 local institutions in our database, with auto loan rates as low as 3.34% APR from American Airlines Federal Credit Union at 8500 Essington Ave Ste B, Philadelphia, PA, 19153 3716. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Philadelphia, Pennsylvania. Auto Loan Rates Last Updated and Verified: September 22, 2026
Compare Auto Loan Rates Today in Philadelphia, Pennsylvania & Surrounding Area
Philadelphia Auto Loan Rates
As Low As
As Low As
As low as 3.99% APR for terms up to 66 months. Loan amount must be $3,000 or greater. You must meet employment and/or income requirements to qualify for a loan. The interest rate you receive will be based on your credit history, loan term, and age of the vehicle. APR will not be less than 3.99% or greater than 17.90%. For example, a loan amount of $20,000 at 3.99% APR for 60 months would be a monthly payment of $368.87. Satisfactory vehicle insurance required. Your actual loan amount will be limited based on the value of the specific vehicle that you are financing. Only passenger vehicles are eligible, no recreational vehicles. Existing Freedom Loans are not eligible for refinancing. Credit Union membership eligibility requirements apply. Loan term cannot be less than 6 months or greater than 84 months. Rates are subject to change without notice.
As Low As; Auto Pay Discount: 3.89%
As Low As
As Low As; Auto Pay Discount: 4.14%
As low as 4.49% APR for terms up to 66 months. Loan amount must be $3,000 or greater. You must meet employment and/or income requirements to qualify for a loan. The interest rate you receive will be based on your credit history, loan term, and age of the vehicle. APR will not be less than 4.49% or greater than 17.90%. For example, a loan amount of $20,000 at 4.49% APR for 60 months would be a monthly payment of $374.00. Satisfactory vehicle insurance required. Your actual loan amount will be limited based on the value of the specific vehicle that you are financing. Only passenger vehicles are eligible, no recreational vehicles. Existing Freedom Loans are not eligible for refinancing. Credit Union membership eligibility requirements apply. Loan term cannot be less than 6 months or greater than 84 months. Rates are subject to change without notice.
As Low As; Auto Pay Discount: 4.39%
Loan Amount: $5,000 min; APR* as low as**; New = never titled and less than 12,000 miles, Used = previously titled.
Model Year: 2026-2022
As Low As
Credit Rating: A+; >APR*
As Low As; Auto Pay Discount: 4.64%
Loan Amount: $15,000 min; APR* as low as**; New = never titled and less than 12,000 miles, Used = previously titled.
Model Year: 2026-2022
Credit Rating: A; >APR*
Credit Rating: A+; >APR*
Credit Rating: A; >APR*
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; >APR*
Credit Rating: A+; >APR*
Credit Rating: A; >APR*
Credit Rating: A+; >APR*
Credit Rating: A+; APR: 4.95%
As Low As; 1; Model Year: 2024 - 2026
As Low As1
Model Year: 2024 - 2027
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.
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; Auto Pay Discount: 4.89%
Credit Rating: B; >APR*
Credit Rating: A; >APR*
Credit Rating: A; APR: 5.05%
Credit Rating: A+; APR: 5.05%
Loan Amount: Up to $25,000; Amount: Up to 125% of MSRP to include tax, tags, warranties and GAP; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
Amount: Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP; Loan Amount: 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 and are subject to change. Payment examples do not include debt protection coverage.
Credit Rating: B; >APR*
Credit Rating: A; APR: 5.15%
Credit Rating: A+; APR: 5.15%
Additional APR listed for this product: 5.94%. As Low As; Vehicle Value (Minimum): $3,000.00; Loan Amount (Minimum): $1,000.00
Credit Rating: A+; >APR*
Credit Rating: B; APR: 5.20%
Credit Rating: A+; APR: 5.20%
As Low As; 1; Model Year: 2024 - 2026
As low as 5.24%
Credit Rating: A; APR: 5.25%
Credit Rating: A; APR: 5.25%
Credit Rating: B; >APR*
Credit Rating: A; >APR*
Credit Rating: B; APR: 5.30%
As Low As; Model Year: 2020 - 2023
As Low As1
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
Vehicle Value (Minimum): $3,000.00; Loan Amount (Minimum): $1,000.00
Credit Rating: B; APR: 5.45%
As low as; Used (2021-2026)
As low as; Bright Auto Loans APR: 5.24%
Model Year: 2024 - 2027
Loan Amount: Up to $15,000; Amount: Up to 100% of financing of NADA Clean Retail to include tax, tags, warranties and GAP; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.; Model Year: 2019 - 2023
Credit Rating: A+; APR: 5.50%
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
Credit Rating: B; APR: 5.60%
Credit Rating: A; APR: 5.60%
Additional APR listed for this product: 6.39%. As Low As; Vehicle Value (Minimum): $12,000.00; Loan Amount (Minimum): $4,000.00
Credit Rating: C; >APR*
Minimum $7,500
As low as; Used (2020 & Older)
$30; As low as 5.74%
Loan Amount: $15,000 min; APR* as low as**; New = never titled and less than 12,000 miles, Used = previously titled.
Model Year: 2026-2022
Credit Rating: A+; >APR*
Loan Amount: $15,000 to $35,000; Amount: Up to 125% of MSRP to include tax, tags, warranties and GAP; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
Amount: Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP; Loan Amount: $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 and are subject to change. Payment examples do not include debt protection coverage.
Credit Rating: B; >APR*
Credit Rating: A; >APR*
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; Model Year: 2020 - 2023
Minimum $7,500
As Low As; 1; Model Year: 2024 - 2026
$30; As low as; Used (2021-2026)
Term: 76-84 month term ($30K+); As low as; Bright Auto Loans APR: 5.74%
Model Year: 2021-2020
Model Year: 2021-2020
Credit Rating: C; APR: 6.00%
Credit Rating: A+; APR: 6.00%
APR based on 60 months and $45,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
Credit Rating: C; >APR*
APR based on 60 months and $30,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
Credit Rating: B; APR: 6.10%
Credit Rating: A; APR: 6.15%
Minimum $12,500
$30; As low as; Used (2020 & Older)
Additional APR listed for this product: 7.04%. As Low As; Vehicle Value (Minimum): $20,000.00; Loan Amount (Minimum): $6,000.00
Credit Rating: B; >APR*
Credit Rating: C; APR: 6.35%
Loan Amount: $15,000 to $35,000; Amount: Up to 100% of financing of NADA Clean Retail to include tax, tags, warranties and GAP; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.; Model Year: 2019 - 2023
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.
Model Year: 2026-2022
Model Year: 2021-2020
Vehicle Value (Minimum): $20,000.00; Loan Amount (Minimum): $6,000.00
Credit Rating: B; APR: 6.65%
*2026, 2025, 2024
Minimum $7,500
Loan Amount: $35,000+; Amount: Up to 125% of MSRP to include tax, tags, warranties and GAP; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
Amount: Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP; Loan Amount: $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 and are subject to change. Payment examples do not include debt protection coverage.
Credit Rating: C; >APR*
As Low As
Additional APR listed for this product: 8.04%. As Low As; Vehicle Value (Minimum): $40,000.00; Loan Amount (Minimum): $12,000.00
Loan Amount: $35,000+; Amount: Up to 100% of financing of NADA Clean Retail to include tax, tags, warranties and GAP; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.; Model Year: 2019 - 2023
Credit Rating: C; APR: 7.45%
As low as 7.49% APR for terms up to 66 months. Loan amount must be $3,000 or greater. You must meet employment and/or income requirements to qualify for a loan. The interest rate you receive will be based on your credit history, loan term, and age of the vehicle. APR will not be less than 7.49% or greater than 17.90%. For example, a loan amount of $20,000 at 7.49% APR for 60 months would be a monthly payment of $402.00. Satisfactory vehicle insurance required. Your actual loan amount will be limited based on the value of the specific vehicle that you are financing. Only passenger vehicles are eligible, no recreational vehicles. Existing Freedom Loans are not eligible for refinancing. Credit Union membership eligibility requirements apply. Loan term cannot be less than 6 months or greater than 84 months. Rates are subject to change without notice.
Model Year: 2019 & Older
Vehicle Value (Minimum): $40,000.00; Loan Amount (Minimum): $12,000.00
Credit Rating: C; >APR*
Model Year: 2019 & Older
Credit Rating: C; APR: 7.85%
Minimum $7,500
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.
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; >APR*
As Low As; Model Year: 2018 - 2019
Credit Rating: C; APR: 9.00%
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; Model Year: 2018 - 2019
As low as 9.49% APR for terms up to 66 months. Loan amount must be $3,000 or greater. You must meet employment and/or income requirements to qualify for a loan. The interest rate you receive will be based on your credit history, loan term, and age of the vehicle. APR will not be less than 9.49% or greater than 17.90%. For example, a loan amount of $20,000 at 9.49% APR for 60 months would be a monthly payment of $422.00. Satisfactory vehicle insurance required. Your actual loan amount will be limited based on the value of the specific vehicle that you are financing. Only passenger vehicles are eligible, no recreational vehicles. Existing Freedom Loans are not eligible for refinancing. Credit Union membership eligibility requirements apply. Loan term cannot be less than 6 months or greater than 84 months. Rates are subject to change without notice.
Credit Rating: C; >APR*
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; APR: 9.80%
Footnote 24: Annual Percentage Rates (APRs) is subject to change without notice. Actual APR depends on applicant's creditworthiness. Other loan plans, rates, and terms may be available. Older vehicle years/terms and rates also may be available. Mileage cannot exceed 100,000. All commercial vehicles or vehicles used for commercial purposes must be directed to the Commercial Lending Department. We may determine a vehicle to be commercial or otherwise ineligible based on the model and/or information provided to us. Footnote 25: Up to 90% financing of the NADA book value. Call 1-877-TRUMARK for further details. Equal Opportunity Lender.
with autopay from a United checking account.
As low as; 2023 & newer; with less than 45,000 miles and valued at $15,000 or more
As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
As low as; Model Year: 2026-2025
APR*
APR*
2023 & newer; As low as
As low as; Model Year: 2026-2025
Model Year: 2026 - 2024
2023 & newer; As low as
Published APR range: 3.490% - 8.990%. Zero Down Payment
Published APR range: 3.490% - 9.240%. Zero Down Payment
APR*
APR*
APR range: 3.50% - 9.00% APR*
APR*
As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
As low as
APR*
APR*
APR range: 3.75% - 9.50% APR*
APR*
Published rate range: 3.75%-12.80%.
Published rate range: 3.75%-12.75%.
New vehicle can be financed up to 84 Months. Used vehicle can be financed up to 72 Months. Certain limitations may apply.
Published APR range: 3.75%-11.70%.
as low as 3.75% with Relationship Rewards Example Payment Disclosure: To finance an auto loan of $15,000 at 4.75% APR for 36 months with $0.00 down payment would be a payment of $447.88 per month
As Low As
As Low As
As Low As; Fixed
As Low As; Fixed
2023 & newer; As low as
2018-2022; As low as
Model Years 2024-2026
As low as; (based on credit score)
As low as; (based on credit score); Loan Amount: Up to 125% of the NADA value.
As Low As; New Vehicles
New Vehicle (2025- 2026)
New Vehicle (2025- 2026)
Philadelphia New Auto Auto Loan Rates
As Low As
As Low As; Auto Pay Discount: 3.89%
As Low As
As Low As; Auto Pay Discount: 4.14%
As Low As; Auto Pay Discount: 4.39%
Loan Amount: $5,000 min; APR* as low as**; New = never titled and less than 12,000 miles, Used = previously titled.
Credit Rating: A+; >APR*
As Low As; Auto Pay Discount: 4.64%
Loan Amount: $15,000 min; APR* as low as**; New = never titled and less than 12,000 miles, Used = previously titled.
Credit Rating: A; >APR*
Credit Rating: A+; >APR*
Credit Rating: A; >APR*
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; >APR*
Credit Rating: A+; >APR*
Credit Rating: A; >APR*
Credit Rating: A+; >APR*
As Low As1
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.
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; Auto Pay Discount: 4.89%
Credit Rating: B; >APR*
Credit Rating: A; >APR*
Loan Amount: Up to $25,000; Amount: Up to 125% of MSRP to include tax, tags, warranties and GAP; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
Amount: Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP; Loan Amount: 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 and are subject to change. Payment examples do not include debt protection coverage.
Credit Rating: B; >APR*
Additional APR listed for this product: 5.94%. As Low As; Vehicle Value (Minimum): $3,000.00; Loan Amount (Minimum): $1,000.00
Credit Rating: A+; >APR*
Credit Rating: B; >APR*
Credit Rating: A; >APR*
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
Vehicle Value (Minimum): $3,000.00; Loan Amount (Minimum): $1,000.00
As low as; Bright Auto Loans APR: 5.24%
Additional APR listed for this product: 6.39%. As Low As; Vehicle Value (Minimum): $12,000.00; Loan Amount (Minimum): $4,000.00
Credit Rating: C; >APR*
Loan Amount: $15,000 min; APR* as low as**; New = never titled and less than 12,000 miles, Used = previously titled.
Credit Rating: A+; >APR*
Loan Amount: $15,000 to $35,000; Amount: Up to 125% of MSRP to include tax, tags, warranties and GAP; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
Amount: Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP; Loan Amount: $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 and are subject to change. Payment examples do not include debt protection coverage.
Credit Rating: B; >APR*
Credit Rating: A; >APR*
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.
Term: 76-84 month term ($30K+); As low as; Bright Auto Loans APR: 5.74%
APR based on 60 months and $45,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
Credit Rating: C; >APR*
Additional APR listed for this product: 7.04%. As Low As; Vehicle Value (Minimum): $20,000.00; Loan Amount (Minimum): $6,000.00
Credit Rating: B; >APR*
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.
Vehicle Value (Minimum): $20,000.00; Loan Amount (Minimum): $6,000.00
Loan Amount: $35,000+; Amount: Up to 125% of MSRP to include tax, tags, warranties and GAP; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
Amount: Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP; Loan Amount: $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 and are subject to change. Payment examples do not include debt protection coverage.
Credit Rating: C; >APR*
As Low As
Additional APR listed for this product: 8.04%. As Low As; Vehicle Value (Minimum): $40,000.00; Loan Amount (Minimum): $12,000.00
Vehicle Value (Minimum): $40,000.00; Loan Amount (Minimum): $12,000.00
Credit Rating: C; >APR*
As Low As
Credit Rating: C; >APR*
Credit Rating: C; >APR*
As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
APR*
APR*
Published APR range: 3.490% - 8.990%. Zero Down Payment
Published APR range: 3.490% - 9.240%. Zero Down Payment
APR*
As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
As low as
APR*
Published rate range: 3.75%-12.80%.
Published rate range: 3.75%-12.75%.
New vehicle can be financed up to 84 Months. Used vehicle can be financed up to 72 Months. Certain limitations may apply.
Published APR range: 3.75%-11.70%.
Model Years 2024-2026
As low as; (based on credit score)
As Low As; New Vehicles
New Vehicle (2025- 2026)
New Vehicle (2025- 2026)
Philadelphia Used Auto Auto Loan Rates
As Low As
As Low As; Auto Pay Discount: 3.89%
As Low As; Auto Pay Discount: 4.14%
As Low As; Auto Pay Discount: 4.39%
As Low As
As Low As; Auto Pay Discount: 4.64%
Credit Rating: A+; APR: 4.95%
As Low As; Auto Pay Discount: 4.89%
Credit Rating: A; APR: 5.05%
Credit Rating: A+; APR: 5.05%
Amount: Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP; Loan Amount: 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 and are subject to change. Payment examples do not include debt protection coverage.
Credit Rating: A; APR: 5.15%
Credit Rating: A+; APR: 5.15%
Additional APR listed for this product: 5.94%. As Low As; Vehicle Value (Minimum): $3,000.00; Loan Amount (Minimum): $1,000.00
Credit Rating: B; APR: 5.20%
Credit Rating: A+; APR: 5.20%
Credit Rating: A; APR: 5.25%
Credit Rating: A; APR: 5.25%
Credit Rating: B; APR: 5.30%
As Low As1
Vehicle Value (Minimum): $3,000.00; Loan Amount (Minimum): $1,000.00
Credit Rating: B; APR: 5.45%
Loan Amount: Up to $15,000; Amount: Up to 100% of financing of NADA Clean Retail to include tax, tags, warranties and GAP; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.; Model Year: 2019 - 2023
Credit Rating: A+; APR: 5.50%
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
Credit Rating: B; APR: 5.60%
Credit Rating: A; APR: 5.60%
Additional APR listed for this product: 6.39%. As Low As; Vehicle Value (Minimum): $12,000.00; Loan Amount (Minimum): $4,000.00
Amount: Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP; Loan Amount: $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 and are subject to change. Payment examples do not include debt protection coverage.
Vehicle Value (Minimum): $12,000.00; Loan Amount (Minimum): $4,000.00
Credit Rating: C; APR: 6.00%
Credit Rating: A+; APR: 6.00%
APR based on 60 months and $30,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
Credit Rating: B; APR: 6.10%
Credit Rating: A; APR: 6.15%
Additional APR listed for this product: 7.04%. As Low As; Vehicle Value (Minimum): $20,000.00; Loan Amount (Minimum): $6,000.00
Credit Rating: C; APR: 6.35%
Loan Amount: $15,000 to $35,000; Amount: Up to 100% of financing of NADA Clean Retail to include tax, tags, warranties and GAP; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.; Model Year: 2019 - 2023
Vehicle Value (Minimum): $20,000.00; Loan Amount (Minimum): $6,000.00
Credit Rating: B; APR: 6.65%
Amount: Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP; Loan Amount: $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 and are subject to change. Payment examples do not include debt protection coverage.
As Low As
Additional APR listed for this product: 8.04%. As Low As; Vehicle Value (Minimum): $40,000.00; Loan Amount (Minimum): $12,000.00
Loan Amount: $35,000+; Amount: Up to 100% of financing of NADA Clean Retail to include tax, tags, warranties and GAP; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.; Model Year: 2019 - 2023
Credit Rating: C; APR: 7.45%
Vehicle Value (Minimum): $40,000.00; Loan Amount (Minimum): $12,000.00
Credit Rating: C; APR: 7.85%
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; APR: 9.00%
Credit Rating: C; APR: 9.80%
Model Year: 2026 - 2024
APR*
APR range: 3.50% - 9.00% APR*
APR*
APR*
APR range: 3.75% - 9.50% APR*
APR*
Published rate range: 3.75%-12.80%.
Published rate range: 3.75%-12.75%.
New vehicle can be financed up to 84 Months. Used vehicle can be financed up to 72 Months. Certain limitations may apply.
As low as; (based on credit score); Loan Amount: Up to 125% of the NADA value.
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 0.251 points over the past 7 days to 6.019% APR.
Pennsylvania used auto rates fell 0.351 points over the past 7 days to 7.190% APR.
Philadelphia, PA Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Pennsylvania figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Pennsylvania APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 6.02% APR PA average | Used Auto @ 7.19% APR PA average | Monthly Difference |
|---|---|---|---|
| $15,000 | $290.12/mo | $298.37/mo | $8.25/mo |
| $25,000 | $483.54/mo | $497.28/mo | $13.74/mo |
| $35,000 | $676.95/mo | $696.19/mo | $19.24/mo |
| $45,000 | $870.37/mo | $895.10/mo | $24.74/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in Philadelphia, Pennsylvania
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Philadelphia, Pennsylvania locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Pennsylvania. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
- Saving up for a bigger down payment: park it in a Philadelphia, Pennsylvania high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Philadelphia, Pennsylvania CD rates lock in a guaranteed return until you’re ready to buy
Philadelphia, Pennsylvania Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $580 monthly car payment works out to roughly 16.4% of the median individual income in Philadelphia, Pennsylvania. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15–20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Philadelphia, Pennsylvania, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1–3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0–2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Philadelphia, Pennsylvania. We’ve prefilled the APR with today’s PA new-auto average, or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Philadelphia, Pennsylvania auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Philadelphia, Pennsylvania directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Philadelphia, Pennsylvania. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in PA.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Philadelphia, Pennsylvania
How does my credit score affect my car loan rate in Pennsylvania?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
Should I get preapproved for an auto loan before visiting a dealer in Philadelphia, Pennsylvania?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
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: 3.99% (NEW or USED vehicles Loan)
- FedChoice Federal Credit Union: 4.50% (New Vehicles Loan)
- Eagle One Federal Credit Union: 4.50% (Auto Loan)
Philadelphia, Pennsylvania Rates & Resources
