Pittsburgh, Pennsylvania auto loan rates range from 2.99% to 18.75% APR, verified by MonitorBankRates as of October 13, 2026. Current auto loan rates in Pittsburgh, Pennsylvania include U S POSTAL SERVICEU S POSTAL SERVICE1001 California Ave, Pittsburgh, PA, 15290A+5.0 ★Texas Ratio: 4.33% offering Vehicle Loans at 3.75%, Bayer Heritage Federal Credit UnionBayer Heritage Federal Credit Union111 Parkwest Dr, Pittsburgh, PA, 15275 1112A5.0 ★Texas Ratio: 11.93% offering New/Used Vehicles Loan at 4.00%, 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: 0.24% offering New / Used Vehicles at 4.00%, Alcose Credit UnionAlcose Credit Union1732 Brownsville Rd, Pittsburgh, PA, 15210 3982A+5.0 ★Texas Ratio: 0.06% offering New Vehicles 2025 - 2026 Loan at 4.50%, AT&T Employees Federal Credit UnionAT&T Employees Federal Credit Union635 Grant St, Pittsburgh, PA, 15219 4404A+5.0 ★Texas Ratio: 0.41% offering New Autos & Motorcycles at 4.75%. Auto loan rates as of October 13, 2026 according to verified data from MonitorBankRates.
Pittsburgh has 17 local institutions in our database, with auto loan rates as low as 3.75% APR from U S POSTAL SERVICE at 1001 California Ave, Pittsburgh, PA, 15290. 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 Pittsburgh, Pennsylvania. Auto Loan Rates Last Updated and Verified: October 13, 2026
As low as 3.75% with Relationship Rewards
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
Published rate range: 4.00%-14.05%. Rate based on credit score; Maximum amount to borrow $150,000.00
Published rate range: 4.00%-13.00%. Rate based on credit score; Maximum amount to borrow $150,000.00
Published rate range: 4.00%-10.45%. Maximum Amount to Borrow: $150,000.00
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
Published rate range: 4.25%- 14.25%. Rate based on credit score; Maximum amount to borrow $150,000.00
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
Score: 680 - 729; Grade of Paper: A; Effective October 1, 2026
Score: 680 - 729; Grade of Paper: A; Effective October 1, 2026
Published rate range: 4.50%- 12.75%. Rate based on credit score; Maximum amount to borrow $150,000.00
As Low As; Starting April 1, 2025: Limited Time Offer on New & Used Vehicles
Credit Level: Gold; Credit Score: 730 and Up
Score: 680 - 729; Grade of Paper: A; Effective October 1, 2026
Score: 680 - 729; Grade of Paper: A; Effective October 1, 2026
2026-2027 year models
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
Published rate range: 5.00%-10.45%. Rate based on credit score; Maximum amount to borrow $150,000.00
Published rate range: 5.00%-14.25%. Maximum Amount to Borrow: $150,000.00
As Low As; Year: 2024-2026
2026-2027 year models
Credit Level: Gold; Credit Score: 730 and Up
Score: 680 - 729; Grade of Paper: A; Effective October 1, 2026
As Low As; Starting April 1, 2025: Limited Time Offer on New & Used Vehicles
As Low As; Model Year: 2027 - 2026
As Low As; Year: 2024-2026
As Low As; Year: 2021-2023
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
As Low As; Year: 2021-2023
As Low As
Model years 2019 - 2025 over 10K miles
As Low As; Model years 2022-2026 max loan 72 months; 2021-2020 max loan 48 months; 2019 and older max loan 36 months; older models add 0.50% (2021 and older) / 0.75% (2019 and older)
As Low As; Year: 2024-2026
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
As Low As; Model Year: 2027 - 2026
Credit Level: Crystal; Credit Score: 669 - 620
Credit Level: Silver; Credit Score: 729 - 670
Term: 2023-2020 Up to 72 Months; Credit Level: Gold; Credit Score: 730 and Up
As Low As; Model years 2022-2026 max loan 72 months; 2021-2020 max loan 48 months; 2019 and older max loan 36 months; older models add 0.50% (2021 and older) / 0.75% (2019 and older)
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
As Low As; Starting April 1, 2025: Limited Time Offer on New & Used Vehicles
As Low As; Starting April 1, 2025: Limited Time Offer on New & Used Vehicles
As Low As; Year: 2021-2023
As Low As; Model Year: 2027 - 2026
As Low As; Model years 2022-2026 max loan 72 months; 2021-2020 max loan 48 months; 2019 and older max loan 36 months; older models add 0.50% (2021 and older) / 0.75% (2019 and older)
As Low As; Year: 2019-2020
As low as
Credit Level: Gold; Credit Score: 730 and Up
Term: 2023-2020 Up to 72 Months; Credit Level: Silver; Credit Score: 729 - 670
Score: 680 - 729; Grade of Paper: A; Effective October 1, 2026
As Low As; Rates effective 10/05/2026; Term range: 0-48 Months
Term: Up to 5 Years (2022 & 2023); As Low As; Used Vehicle Loan
As Low As; Year: 2019-2020
As Low As; Model Year: 2027 - 2026
As Low As; Model years 2022-2026 max loan 72 months; 2021-2020 max loan 48 months; 2019 and older max loan 36 months; older models add 0.50% (2021 and older) / 0.75% (2019 and older)
Term: Up to 6 Years (2024 & 2025); As Low As; Used Vehicle Loan
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a new car would have a 6.24% APR for 60 months, monthly payment of $875.01 for $45,000 financing, down payment of $0
Term: 73- 84 Months $30,000 or more; 2026-2027 year models
2021-2026 Model years previously titled
Term: 2020-2017 Up to 60 Months; Credit Level: Gold; Credit Score: 730 and Up
Score: 640 - 679; Grade of Paper: B; Effective October 1, 2026
Score: 640 - 679; Grade of Paper: B; Effective October 1, 2026
As Low As; Starting April 1, 2025: Limited Time Offer on New & Used Vehicles
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a used 2022 year car would have a 6.29% APR for 60 months, monthly payment of $584.04 for $30,000 financing, down payment of $0
As Low As; Model Year: 2023 - 2025
As Low As; Year: 2024-2026
As Low As; Year: 2021-2023
As Low As; Year: 2018
Score: 640 - 679; Grade of Paper: B; Effective October 1, 2026
2023-2025 as low as
As Low As; Rates effective 10/05/2026; Term range: 49-60 Months
As Low As; Year: 2018
As Low As; Model Year: 2027 - 2026
As Low As; Model Year: 2023 - 2025
Term: Up to 4 Years (2021 & older); As Low As; Used Vehicle Loan
2021-2026 Model years previously titled
Credit Level: Crystal; Credit Score: 669 - 620
Credit Level: Gold; Credit Score: 730 and Up
Credit Level: Gold; Credit Score: 730 and Up
Score: 640 - 679; Grade of Paper: B; Effective October 1, 2026
As Low As; Starting April 1, 2025: Limited Time Offer on New & Used Vehicles
As Low As; Rates effective 10/05/2026; Term range: 61-72 Months
Year of Vehicle: 2017-2025
Year: 2027 - 2026
Year: 2025 - 2024
Year: 2023 - 2022
Year: 2021 - 2020
Year: 2019 - 2017
Year of Vehicle: 2018-2025
Credit Level: Silver; Credit Score: 729 - 670
Term: 2020-2017 Up to 60 Months; Credit Level: Silver; Credit Score: 729 - 670
As Low As; Model Year: 2023 - 2025
Year of Vehicle: 2020-2025
Score: 640 - 679; Grade of Paper: B; Effective October 1, 2026
Model years 2018 or older
Term: 73 - 84 Months $30,000 or more; 2021-2026 Model years previously titled
2019-2022 as low as
Credit Level: Crystal; Credit Score: 669 - 620
Score: 600 - 639; Grade of Paper: C; Effective October 1, 2026
Score: 600 - 639; Grade of Paper: C; Effective October 1, 2026
As Low As; Model Year: 2019 - 2022
Credit Level: Crystal; Credit Score: 669 - 620
Term: 20166-2012 Up to 48 Months; Credit Level: Gold; Credit Score: 730 and Up
Score: 640 - 679; Grade of Paper: B; Effective October 1, 2026
As Low As; Model Year: 2019 - 2022
Credit Level: Crystal; Credit Score: 669 - 620
Term: 20166-2012 Up to 48 Months; Credit Level: Silver; Credit Score: 729 - 670
Score: 600 - 639; Grade of Paper: C; Effective October 1, 2026
Term: 2012-2007 Up to 48 Months; Credit Level: Gold; Credit Score: 730 and Up
Score: 600 - 639; Grade of Paper: C; Effective October 1, 2026
Term: 2012-2007 Up to 48 Months; Credit Level: Crystal; Credit Score: 669 - 620
Score: 600 - 639; Grade of Paper: C; Effective October 1, 2026
As Low As
Score: 600 - 639; Grade of Paper: C; Effective October 1, 2026
Score: 550 - 599; Grade of Paper: D; Effective October 1, 2026
Score: 550 - 599; Grade of Paper: D; Effective October 1, 2026
Score: 550 - 599; Grade of Paper: D; Effective October 1, 2026
Term: 2023-2020 Up to 72 Months; Credit Level: Bronze; Credit Score: 619 - 570
Score: 550 - 599; Grade of Paper: D; Effective October 1, 2026
Score: 549 or Less; Grade of Paper: E; Effective October 1, 2026
Term: 20166-2012 Up to 48 Months; Credit Level: Bronze; Credit Score: 619 - 570
Term: 2012-2007 Up to 48 Months; Credit Level: Bronze; Credit Score: 619 - 570
Score: 550 - 599; Grade of Paper: D; Effective October 1, 2026
Score: 549 or Less; Grade of Paper: E; Effective October 1, 2026
Score: 549 or Less; Grade of Paper: E; Effective October 1, 2026
Credit Level: Bronze; Credit Score: 619 - 570
Term: 2020-2017 Up to 60 Months; Credit Level: Bronze; Credit Score: 619 - 570
Term: 2023-2020 Up to 72 Months; Credit Level: Quartz; Credit Score: 569 and Under
Score: 549 or Less; Grade of Paper: E; Effective October 1, 2026
Credit Level: Bronze; Credit Score: 619 - 570
Score: 550 - 599; Grade of Paper: D; Effective October 1, 2026
Score: 549 or Less; Grade of Paper: E; Effective October 1, 2026
Credit Level: Bronze; Credit Score: 619 - 570
Credit Level: Bronze; Credit Score: 619 - 570
Credit Level: Bronze; Credit Score: 619 - 570
Score: 549 or Less; Grade of Paper: E; Effective October 1, 2026
Credit Level: Quartz; Credit Score: 569 and Under
Term: 2020-2017 Up to 60 Months; Credit Level: Quartz; Credit Score: 569 and Under
Term: 20166-2012 Up to 48 Months; 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; Effective Date: October 02, 2026; Vehicle Model Years: All Years**
As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment
As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment
As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment
As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment
As Low As; Maximum Age of Vehicle: N/A; Maximum Mileage: N/A; Maximum LTV: 100%
As Low As; Maximum Age of Vehicle: 10 Years; Maximum Mileage: N/A; Maximum LTV: 100%
As Low As; Maximum Age of Vehicle: 10 Years; Maximum Mileage: 100,000; Maximum LTV: 125%
As Low As; Loan Type: Vehicles, Personal, Share Secured; .25% discount for Auto Transfer and .25% discount for Active Checking, Christmas Club, or Vacation Account (not for Share Secured Loans)
As Low As; Rates effective 01/01/2026
Published APR range: 3.25% - 8.00%.
Published APR range: 3.25% -8.25%.
As Low As; Loan Type: Vehicles, Personal, Share Secured; .25% discount for Auto Transfer and .25% discount for Active Checking, Christmas Club, or Vacation Account (not for Share Secured Loans)
As Low As; Auto & Recreational Loans
As Low As; Model Year: 2026 - 2024
As Low As; Model Year: 2024 & newer; Other terms and rates available. Please contact us for more information.
As Low As; Evergreen Advantage rate
As Low As; Evergreen Advantage rate
Published APR range: 3.490% - 8.990%. Zero Down Payment
Published APR range: 3.490% - 9.240%. Zero Down Payment
Published APR range: 3.50% - 9.00%.
Published APR range: 3.50% - 9.00%. 90% Financed; JD Power Book Price; vehicles 3-4 years old
Published APR range: 3.50% - 9.00%. 85% Financed; JD Power Book Price
Published APR range: 3.50% - 9.00%. 85% Financed; JD Power Book Price; Vehicles 5 years & older
Published APR range: 3.50% - 9.00%. 100% Financed
As Low As
As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment
As Low As; Evergreen Advantage rate
As low as
As Low As; Rates effective 01/01/2026
As Low As; Evergreen Advantage rate
As Low As; Evergreen Advantage
As Low As; Evergreen Advantage
Published APR range: 3.75% - 9.75%.
Published APR range: 3.75% - 9.50%. 90% Financed; JD Power Book Price; vehicles 3-4 years old
Published APR range: 3.75% - 9.50%. 85% Financed; JD Power Book Price
Published APR range: 3.75% - 9.50%. 85% Financed; JD Power Book Price; Vehicles 5 years & older
Published APR range: 3.75% - 9.50%. 100% Financed
As Low As; Model Year: 2024 & newer; Other terms and rates available. Please contact us for more information.
As Low As; Evergreen Advantage rate
As Low As; Auto & Recreational Loans
As Low As
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
Published rate range: 4.00%-14.05%. Rate based on credit score; Maximum amount to borrow $150,000.00
Published rate range: 4.00%-13.00%. Rate based on credit score; Maximum amount to borrow $150,000.00
Published rate range: 4.00%-10.45%. Maximum Amount to Borrow: $150,000.00
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
Published rate range: 4.25%- 14.25%. Rate based on credit score; Maximum amount to borrow $150,000.00
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
Score: 680 - 729; Grade of Paper: A; Effective October 1, 2026
Score: 680 - 729; Grade of Paper: A; Effective October 1, 2026
Published rate range: 4.50%- 12.75%. Rate based on credit score; Maximum amount to borrow $150,000.00
As Low As; Starting April 1, 2025: Limited Time Offer on New & Used Vehicles
Credit Level: Gold; Credit Score: 730 and Up
Score: 680 - 729; Grade of Paper: A; Effective October 1, 2026
Score: 680 - 729; Grade of Paper: A; Effective October 1, 2026
2026-2027 year models
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
Published rate range: 5.00%-10.45%. Rate based on credit score; Maximum amount to borrow $150,000.00
2026-2027 year models
Credit Level: Gold; Credit Score: 730 and Up
Score: 680 - 729; Grade of Paper: A; Effective October 1, 2026
As Low As; Starting April 1, 2025: Limited Time Offer on New & Used Vehicles
As Low As; Model Year: 2027 - 2026
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
As Low As; Model Year: 2027 - 2026
Credit Level: Crystal; Credit Score: 669 - 620
Credit Level: Silver; Credit Score: 729 - 670
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
As Low As; Starting April 1, 2025: Limited Time Offer on New & Used Vehicles
As Low As; Model Year: 2027 - 2026
As low as
Credit Level: Gold; Credit Score: 730 and Up
Score: 680 - 729; Grade of Paper: A; Effective October 1, 2026
As Low As; Rates effective 10/05/2026; Term range: 0-48 Months
As Low As; Model Year: 2027 - 2026
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a new car would have a 6.24% APR for 60 months, monthly payment of $875.01 for $45,000 financing, down payment of $0
Term: 73- 84 Months $30,000 or more; 2026-2027 year models
Score: 640 - 679; Grade of Paper: B; Effective October 1, 2026
Score: 640 - 679; Grade of Paper: B; Effective October 1, 2026
Score: 640 - 679; Grade of Paper: B; Effective October 1, 2026
As Low As; Rates effective 10/05/2026; Term range: 49-60 Months
As Low As; Model Year: 2027 - 2026
Credit Level: Crystal; Credit Score: 669 - 620
Credit Level: Gold; Credit Score: 730 and Up
Credit Level: Gold; Credit Score: 730 and Up
Score: 640 - 679; Grade of Paper: B; Effective October 1, 2026
As Low As; Rates effective 10/05/2026; Term range: 61-72 Months
Credit Level: Silver; Credit Score: 729 - 670
Score: 640 - 679; Grade of Paper: B; Effective October 1, 2026
Credit Level: Crystal; Credit Score: 669 - 620
Score: 600 - 639; Grade of Paper: C; Effective October 1, 2026
Score: 600 - 639; Grade of Paper: C; Effective October 1, 2026
Credit Level: Crystal; Credit Score: 669 - 620
Score: 640 - 679; Grade of Paper: B; Effective October 1, 2026
Credit Level: Crystal; Credit Score: 669 - 620
Score: 600 - 639; Grade of Paper: C; Effective October 1, 2026
Score: 600 - 639; Grade of Paper: C; Effective October 1, 2026
Score: 600 - 639; Grade of Paper: C; Effective October 1, 2026
Score: 600 - 639; Grade of Paper: C; Effective October 1, 2026
Score: 550 - 599; Grade of Paper: D; Effective October 1, 2026
Score: 550 - 599; Grade of Paper: D; Effective October 1, 2026
Score: 550 - 599; Grade of Paper: D; Effective October 1, 2026
Score: 550 - 599; Grade of Paper: D; Effective October 1, 2026
Score: 549 or Less; Grade of Paper: E; Effective October 1, 2026
Score: 550 - 599; Grade of Paper: D; Effective October 1, 2026
Score: 549 or Less; Grade of Paper: E; Effective October 1, 2026
Score: 549 or Less; Grade of Paper: E; Effective October 1, 2026
Credit Level: Bronze; Credit Score: 619 - 570
Score: 549 or Less; Grade of Paper: E; Effective October 1, 2026
Credit Level: Bronze; Credit Score: 619 - 570
Score: 550 - 599; Grade of Paper: D; Effective October 1, 2026
Score: 549 or Less; Grade of Paper: E; Effective October 1, 2026
Credit Level: Bronze; Credit Score: 619 - 570
Credit Level: Bronze; Credit Score: 619 - 570
Credit Level: Bronze; Credit Score: 619 - 570
Score: 549 or Less; Grade of Paper: E; Effective October 1, 2026
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; Effective Date: October 02, 2026; Vehicle Model Years: All Years**
As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment
As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment
As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment
As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment
As Low As; Rates effective 01/01/2026
Published APR range: 3.25% - 8.00%.
Published APR range: 3.25% -8.25%.
As Low As; Auto & Recreational Loans
As Low As; Evergreen Advantage rate
As Low As; Evergreen Advantage rate
Published APR range: 3.490% - 8.990%. Zero Down Payment
Published APR range: 3.490% - 9.240%. Zero Down Payment
Published APR range: 3.50% - 9.00%.
As Low As
As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment
As Low As; Evergreen Advantage rate
As low as
As Low As; Rates effective 01/01/2026
As Low As; Evergreen Advantage rate
Published APR range: 3.75% - 9.75%.
As Low As; Evergreen Advantage rate
As Low As
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
Published rate range: 4.00%-14.05%. Rate based on credit score; Maximum amount to borrow $150,000.00
Published rate range: 4.00%-13.00%. Rate based on credit score; Maximum amount to borrow $150,000.00
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
Published rate range: 4.25%- 14.25%. Rate based on credit score; Maximum amount to borrow $150,000.00
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
Score: 680 - 729; Grade of Paper: A; Effective October 1, 2026
Score: 680 - 729; Grade of Paper: A; Effective October 1, 2026
Published rate range: 4.50%- 12.75%. Rate based on credit score; Maximum amount to borrow $150,000.00
Score: 680 - 729; Grade of Paper: A; Effective October 1, 2026
Score: 680 - 729; Grade of Paper: A; Effective October 1, 2026
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
Published rate range: 5.00%-10.45%. Rate based on credit score; Maximum amount to borrow $150,000.00
Published rate range: 5.00%-14.25%. Maximum Amount to Borrow: $150,000.00
Score: 680 - 729; Grade of Paper: A; Effective October 1, 2026
Model years 2019 - 2025 over 10K miles
As Low As; Model years 2022-2026 max loan 72 months; 2021-2020 max loan 48 months; 2019 and older max loan 36 months; older models add 0.50% (2021 and older) / 0.75% (2019 and older)
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
Term: 2023-2020 Up to 72 Months; Credit Level: Gold; Credit Score: 730 and Up
As Low As; Model years 2022-2026 max loan 72 months; 2021-2020 max loan 48 months; 2019 and older max loan 36 months; older models add 0.50% (2021 and older) / 0.75% (2019 and older)
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
As Low As; Starting April 1, 2025: Limited Time Offer on New & Used Vehicles
As Low As; Model years 2022-2026 max loan 72 months; 2021-2020 max loan 48 months; 2019 and older max loan 36 months; older models add 0.50% (2021 and older) / 0.75% (2019 and older)
Term: 2023-2020 Up to 72 Months; Credit Level: Silver; Credit Score: 729 - 670
Score: 680 - 729; Grade of Paper: A; Effective October 1, 2026
Term: Up to 5 Years (2022 & 2023); As Low As; Used Vehicle Loan
As Low As; Model years 2022-2026 max loan 72 months; 2021-2020 max loan 48 months; 2019 and older max loan 36 months; older models add 0.50% (2021 and older) / 0.75% (2019 and older)
Term: Up to 6 Years (2024 & 2025); As Low As; Used Vehicle Loan
2021-2026 Model years previously titled
Term: 2020-2017 Up to 60 Months; Credit Level: Gold; Credit Score: 730 and Up
Score: 640 - 679; Grade of Paper: B; Effective October 1, 2026
Score: 640 - 679; Grade of Paper: B; Effective October 1, 2026
As Low As; Starting April 1, 2025: Limited Time Offer on New & Used Vehicles
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a used 2022 year car would have a 6.29% APR for 60 months, monthly payment of $584.04 for $30,000 financing, down payment of $0
As Low As; Model Year: 2023 - 2025
Score: 640 - 679; Grade of Paper: B; Effective October 1, 2026
2023-2025 as low as
As Low As; Model Year: 2023 - 2025
Term: Up to 4 Years (2021 & older); As Low As; Used Vehicle Loan
2021-2026 Model years previously titled
Score: 640 - 679; Grade of Paper: B; Effective October 1, 2026
As Low As; Starting April 1, 2025: Limited Time Offer on New & Used Vehicles
Year: 2027 - 2026
Year: 2025 - 2024
Year: 2023 - 2022
Year: 2021 - 2020
Year: 2019 - 2017
Term: 2020-2017 Up to 60 Months; Credit Level: Silver; Credit Score: 729 - 670
As Low As; Model Year: 2023 - 2025
Score: 640 - 679; Grade of Paper: B; Effective October 1, 2026
Model years 2018 or older
Term: 73 - 84 Months $30,000 or more; 2021-2026 Model years previously titled
2019-2022 as low as
Score: 600 - 639; Grade of Paper: C; Effective October 1, 2026
Score: 600 - 639; Grade of Paper: C; Effective October 1, 2026
As Low As; Model Year: 2019 - 2022
Term: 20166-2012 Up to 48 Months; Credit Level: Gold; Credit Score: 730 and Up
Score: 640 - 679; Grade of Paper: B; Effective October 1, 2026
As Low As; Model Year: 2019 - 2022
Term: 20166-2012 Up to 48 Months; Credit Level: Silver; Credit Score: 729 - 670
Score: 600 - 639; Grade of Paper: C; Effective October 1, 2026
Term: 2012-2007 Up to 48 Months; Credit Level: Gold; Credit Score: 730 and Up
Score: 600 - 639; Grade of Paper: C; Effective October 1, 2026
Term: 2012-2007 Up to 48 Months; Credit Level: Crystal; Credit Score: 669 - 620
Score: 600 - 639; Grade of Paper: C; Effective October 1, 2026
Score: 600 - 639; Grade of Paper: C; Effective October 1, 2026
Score: 550 - 599; Grade of Paper: D; Effective October 1, 2026
Score: 550 - 599; Grade of Paper: D; Effective October 1, 2026
Score: 550 - 599; Grade of Paper: D; Effective October 1, 2026
Term: 2023-2020 Up to 72 Months; Credit Level: Bronze; Credit Score: 619 - 570
Score: 550 - 599; Grade of Paper: D; Effective October 1, 2026
Score: 549 or Less; Grade of Paper: E; Effective October 1, 2026
Term: 20166-2012 Up to 48 Months; Credit Level: Bronze; Credit Score: 619 - 570
Term: 2012-2007 Up to 48 Months; Credit Level: Bronze; Credit Score: 619 - 570
Score: 550 - 599; Grade of Paper: D; Effective October 1, 2026
Score: 549 or Less; Grade of Paper: E; Effective October 1, 2026
Score: 549 or Less; Grade of Paper: E; Effective October 1, 2026
Term: 2020-2017 Up to 60 Months; Credit Level: Bronze; Credit Score: 619 - 570
Term: 2023-2020 Up to 72 Months; Credit Level: Quartz; Credit Score: 569 and Under
Score: 549 or Less; Grade of Paper: E; Effective October 1, 2026
Score: 550 - 599; Grade of Paper: D; Effective October 1, 2026
Score: 549 or Less; Grade of Paper: E; Effective October 1, 2026
Score: 549 or Less; Grade of Paper: E; Effective October 1, 2026
Term: 2020-2017 Up to 60 Months; Credit Level: Quartz; Credit Score: 569 and Under
Term: 20166-2012 Up to 48 Months; Credit Level: Quartz; Credit Score: 569 and Under
As Low As; Effective Date: October 02, 2026; Vehicle Model Years: All Years**
As Low As; Model Year: 2026 - 2024
Published APR range: 3.50% - 9.00%. 90% Financed; JD Power Book Price; vehicles 3-4 years old
Published APR range: 3.50% - 9.00%. 85% Financed; JD Power Book Price
Published APR range: 3.50% - 9.00%. 85% Financed; JD Power Book Price; Vehicles 5 years & older
Published APR range: 3.50% - 9.00%. 100% Financed
As Low As; Evergreen Advantage
As Low As; Evergreen Advantage
Published APR range: 3.75% - 9.50%. 90% Financed; JD Power Book Price; vehicles 3-4 years old
Published APR range: 3.75% - 9.50%. 85% Financed; JD Power Book Price
Published APR range: 3.75% - 9.50%. 85% Financed; JD Power Book Price; Vehicles 5 years & older
Published APR range: 3.75% - 9.50%. 100% Financed
As Low As; Auto & Recreational Loans
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 rose 0.035 points over the past 7 days to 5.320% APR.
Pennsylvania used auto rates rose 0.058 points over the past 7 days to 6.182% APR.
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.
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.
Estimated monthly payments on a standard 60-month auto loan at today’s average Pennsylvania APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.32% APR PA average | Used Auto @ 6.18% APR PA average | Monthly Difference |
|---|---|---|---|
| $15,000 | $285.27/mo | $291.26/mo | $5.99/mo |
| $25,000 | $475.46/mo | $485.44/mo | $9.98/mo |
| $35,000 | $665.64/mo | $679.61/mo | $13.97/mo |
| $45,000 | $855.82/mo | $873.79/mo | $17.96/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
A preapproval from a bank or credit union serving Pittsburgh, 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.
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.
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.
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.
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $571 monthly car payment works out to roughly 16.7% of the median individual income in Pittsburgh, Pennsylvania. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.
An auto loan isn’t the only way to finance a vehicle in Pittsburgh, Pennsylvania, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1 to 3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0 to 2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Estimate your monthly payment on a new or used vehicle in Pittsburgh, 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.
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.
You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.
| Credit Tier | Score Range | New Car APR | Used Car APR | $25,000 Used, 60 Mo. |
|---|---|---|---|---|
| Super prime | 781 to 850 | 4.41% | 6.29% | $487/mo |
| Prime | 661 to 780 | 6.15% | 8.81% | $517/mo |
| Near prime | 601 to 660 | 9.71% | 13.93% | $581/mo |
| Subprime | 501 to 600 | 13.52% | 19.10% | $650/mo |
| Deep subprime | 300 to 500 | 16.11% | 21.62% | $685/mo |
Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.
A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.
A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.
A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.
A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.
These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.