Current auto loan rates in Pittsburgh, Pennsylvania include IBEW Local No 5 Federal Credit UnionIBEW Local No 5 Federal Credit Union5 Hot Metal St Ste 201, Pittsburgh, PA, 15203 2351A+5.0 ★Texas Ratio: 0.63% offering New / Used Vehicles Loan at 3.75%, Alcose Credit UnionAlcose Credit Union1732 Brownsville Rd, Pittsburgh, PA, 15210 3982A+5.0 ★Texas Ratio: 1.03% offering New Vehicles 2025-2026 Loan at 4.50%, Pittsburgh Federal Credit UnionPittsburgh Federal Credit Union317 Brownsville Rd, Pittsburgh, PA, 15210A+5.0 ★Texas Ratio: 3.26% offering New Vehicles 2024-2026 (untitled or <10,000 miles) 36 Months Loan at 4.75%, Century Heritage Federal Credit UnionCentury Heritage Federal Credit Union700 REGIS AVE, PITTSBURGH, PA, 15236 1425A+5.0 ★Texas Ratio: 5.54% offering New Vehicle Loans (2026-2025) at 4.99%, New Alliance Federal Credit UnionNew Alliance Federal Credit Union3709 Butler St, Pittsburgh, PA, 15201A5.0 ★Texas Ratio: 13.31% offering Auto Loan at 4.99%. Auto loan rates as of July 16, 2026 according to verified data from MonitorBankRates.
Pittsburgh has 9 local institutions in our database, with auto loan rates as low as 3.75% APR from IBEW Local No 5 Federal Credit Union at 5 Hot Metal St Ste 201, Pittsburgh, PA, 15203 2351. 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 Pittsburgh, Pennsylvania. Auto Loan Rates Last Updated and Verified: July 16, 2026
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Credit Level: Gold; Credit Score: 730 and Up
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Rates as low as 5.24 % APR
Credit Level: Gold; Credit Score: 730 and Up
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Credit Level: Crystal; Credit Score: 669 - 620
Credit Level: Silver; Credit Score: 729 - 670
Credit Level: Gold; Credit Score: 730 and Up
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Credit Level: Gold; Credit Score: 730 and Up
Credit Level: Silver; Credit Score: 729 - 670
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Credit Level: Gold; Credit Score: 730 and Up
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Credit Level: Crystal; Credit Score: 669 - 620
Credit Level: Gold; Credit Score: 730 and Up
Credit Level: Gold; Credit Score: 730 and Up
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Credit Level: Silver; Credit Score: 729 - 670
Credit Level: Silver; Credit Score: 729 - 670
2023 - 2025
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2019-2022 as low as
Credit Level: Crystal; Credit Score: 669 - 620
2019 - 2022
Credit Level: Crystal; Credit Score: 669 - 620
Credit Level: Gold; Credit Score: 730 and Up
2019 - 2022
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Credit Level: Crystal; Credit Score: 669 - 620
Credit Level: Silver; Credit Score: 729 - 670
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Credit Level: Gold; Credit Score: 730 and Up
Credit Level: Crystal; Credit Score: 669 - 620
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Credit Level: Bronze; Credit Score: 619 - 570
Credit Level: Bronze; Credit Score: 619 - 570
Credit Level: Bronze; Credit Score: 619 - 570
Credit Level: Bronze; Credit Score: 619 - 570
Credit Level: Bronze; Credit Score: 619 - 570
Credit Level: Quartz; Credit Score: 569 and Under
Credit Level: Bronze; Credit Score: 619 - 570
Credit Level: Bronze; Credit Score: 619 - 570
Credit Level: Bronze; Credit Score: 619 - 570
Credit Level: Bronze; Credit Score: 619 - 570
Credit Level: Quartz; Credit Score: 569 and Under
Credit Level: Quartz; Credit Score: 569 and Under
Credit Level: Quartz; Credit Score: 569 and Under
Credit Level: Quartz; Credit Score: 569 and Under
Credit Level: Quartz; Credit Score: 569 and Under
Credit Level: Quartz; Credit Score: 569 and Under
Credit Level: Quartz; Credit Score: 569 and Under
Credit Level: Quartz; Credit Score: 569 and Under
Limited-time offer. Save on a new or refinanced vehicle this summer with rates starting as low as 2.99% APR for 36 months with autopay from a United checking account.
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
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As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
As Low As; New or Used Vehicles
Min. value of car $15,000
Model Years 2024-2026; *
As Low As; Lowest rates are for qualified applicants and dependent on opening and maintaining an active UECU Checking Account (excluding Green Light CheckingTM) with at least one transaction per month. Rates will vary based on an evaluation of credit, term, loan to value, and/or collateral evaluation if applicable. Not all applicants will quality. Actual rate may differ. Share Secured Loan is 100% secured by funds in your share savings account. Other fees, terms, and conditions may apply for each loan type. Information provided herein is subject to change without notice.
As Low As; APR=Annual Percentage Rate. UECU's lowest auto loan rate of 4.24% APR is based upon an evaluation of credit worthiness criteria and maintaining an active UECU Checking Account (excluding Green Light CheckingTM) with at least one transaction per month. Rate quoted for a 36-month term; your actual rate may differ. Limited time offer. Offer is subject to change without notice. Rate quoted is for new loans only; refinancing of existing UECU auto loans are not eligible. Certain auto model year and term restrictions apply.
As Low As; 2025 & newer
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80-90% NADA retail
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As Low As; This rate includes the .25% discount for Auto Pay.
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
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As Low As; Up to 110% Financing
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As Low As; This rate includes the .25% discount with Auto Pay.
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As Low As; New 2026 & 2025 (Includes motorcycles)
Min. value of car $15,000
As low as 4.49%
Model Years 2024-2026; *
Model Years 2021-2023; *
Motorcycle, ATC, UTV, camper, boat, trailer and snowmobiles add 1.00% to rate.
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As Low As; w/ Auto Pay Discount: 4.39%
As Low As; w/ Auto Pay Discount: 4.39%
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100% MSRP
80-90% NADA retail
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Credit Level: Gold; Credit Score: 730 and Up
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Credit Level: Gold; Credit Score: 730 and Up
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Credit Level: Crystal; Credit Score: 669 - 620
Credit Level: Silver; Credit Score: 729 - 670
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Credit Level: Gold; Credit Score: 730 and Up
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Credit Level: Crystal; Credit Score: 669 - 620
Credit Level: Gold; Credit Score: 730 and Up
Credit Level: Gold; Credit Score: 730 and Up
Credit Level: Silver; Credit Score: 729 - 670
Credit Level: Crystal; Credit Score: 669 - 620
Credit Level: Crystal; Credit Score: 669 - 620
Credit Level: Crystal; Credit Score: 669 - 620
Credit Level: Bronze; Credit Score: 619 - 570
Credit Level: Bronze; Credit Score: 619 - 570
Credit Level: Bronze; Credit Score: 619 - 570
Credit Level: Bronze; Credit Score: 619 - 570
Credit Level: Bronze; Credit Score: 619 - 570
Credit Level: Quartz; Credit Score: 569 and Under
Credit Level: Quartz; Credit Score: 569 and Under
Credit Level: Quartz; Credit Score: 569 and Under
Credit Level: Quartz; Credit Score: 569 and Under
Credit Level: Quartz; Credit Score: 569 and Under
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
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As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
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Min. value of car $15,000
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80-90% NADA retail
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As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
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Min. value of car $15,000
As low as 4.49%
Model Years 2024-2026; *
Motorcycle, ATC, UTV, camper, boat, trailer and snowmobiles add 1.00% to rate.
New 2026
As Low As; w/ Auto Pay Discount: 4.39%
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100% MSRP
80-90% NADA retail
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Credit Level: Gold; Credit Score: 730 and Up
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Credit Level: Silver; Credit Score: 729 - 670
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Credit Level: Gold; Credit Score: 730 and Up
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Credit Level: Silver; Credit Score: 729 - 670
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2019 - 2022
Credit Level: Gold; Credit Score: 730 and Up
2019 - 2022
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Credit Level: Silver; Credit Score: 729 - 670
Credit Level: Gold; Credit Score: 730 and Up
Credit Level: Crystal; Credit Score: 669 - 620
Credit Level: Bronze; Credit Score: 619 - 570
Credit Level: Bronze; Credit Score: 619 - 570
Credit Level: Bronze; Credit Score: 619 - 570
Credit Level: Bronze; Credit Score: 619 - 570
Credit Level: Quartz; Credit Score: 569 and Under
Credit Level: Quartz; Credit Score: 569 and Under
Credit Level: Quartz; Credit Score: 569 and Under
Credit Level: Quartz; Credit Score: 569 and Under
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
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As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
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Min. value of car $15,000
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80-90% NADA retail
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As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
As Low As; New & Used Auto (2026-2023)
As Low As; This rate includes the .25% discount with Auto Pay.
Min. value of car $15,000
Model Years 2021-2023; *
As Low As; w/ Auto Pay Discount: 4.39%
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80-90% NADA retail
Compare local Pittsburgh, PA auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Pennsylvania new auto rates fell 0.237 points over the past 7 days to 5.950% APR.
Pennsylvania used auto rates rose 0.090 points over the past 7 days to 7.751% APR.
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Pittsburgh, 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 Pittsburgh, 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 Pittsburgh, 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.