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Auto Loan Rates in Reading, Pennsylvania (PA) for May 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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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.
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| i Editorial Disclosure
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 Reading, Pennsylvania. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates — Last Updated and Verified: May 12, 2026

Current auto loan rates in Reading, Pennsylvania include Diamond Credit UnionDiamond Credit Union1030 Cedar Top Rd, Reading, PA, 19607 9358A+5.0 ★Texas Ratio: 1.77% offering Auto Loan at 4.89%, Members 1st Federal Credit Union Enola, PAMembers 1st Federal Credit Union Enola, PA4363 Perkiomen Ave, Reading, PA, 19606 3235A+5.0 ★Texas Ratio: 5.20% offering Auto Loan 12 Months at 4.94%, Pennsylvania State Employees Credit UnionPennsylvania State Employees Credit Union10 S 2nd St, Reading, PA, 19602 1014A+5.0 ★Texas Ratio: 5.69% offering New & Used Auto Loans at 5.19%, Reading Berks School Employees Credit UnionReading Berks School Employees Credit Union4641 Pottsville Pike, Reading, PA, 19605A+5.0 ★Texas Ratio: 5.87% offering New Vehicle Loan at 5.50%, Corner Post Federal Credit UnionCorner Post Federal Credit UnionA+5.0 ★Texas Ratio: 0.77% offering New Vehicles at 2.75%. Auto loan rates as of May 12, 2026 according to verified data from MonitorBankRates.

Reading has 4 local institutions in our database, with auto loan rates as low as 4.89% APR from Diamond Credit Union at 1030 Cedar Top Rd, Reading, PA, 19607 9358. 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 Reading, Pennsylvania. Auto Loan Rates Last Updated and Verified: May 12, 2026

Compare Auto Loan Rates Today in Reading, Pennsylvania & Surrounding Area

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Diamond Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
1030 Cedar Top Rd, Reading, PA, 19607 9358
Auto Loan
4.89%
72 Months
View
▼
APR4.89%
Term72 Months
Last UpdatedMay 12, 2026
Details

As Low As; for loans up to 72 months, or 5.45% APR* for loans up to 84 months.

Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★ Texas Ratio: 5.20%
4363 Perkiomen Ave, Reading, PA, 19606 3235
Auto Loan 12 Months
4.94%
12 Months
View
▼
APR4.94%
Term12 Months
Last UpdatedMay 6, 2026
Details

As Low As

Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★ Texas Ratio: 5.20%
4363 Perkiomen Ave, Reading, PA, 19606 3235
Auto Loan 24 Months
4.94%
24 Months
View
▼
APR4.94%
Term24 Months
Last UpdatedMay 6, 2026
Details

As Low As

Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★ Texas Ratio: 5.20%
4363 Perkiomen Ave, Reading, PA, 19606 3235
Auto Loan 36 Months
4.94%
36 Months
View
▼
APR4.94%
Term36 Months
Last UpdatedMay 6, 2026
Details

As Low As

Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★ Texas Ratio: 5.20%
4363 Perkiomen Ave, Reading, PA, 19606 3235
Auto Loan 48 Months
4.94%
48 Months
View
▼
APR4.94%
Term48 Months
Last UpdatedMay 6, 2026
Details

As Low As

Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
10 S 2nd St, Reading, PA, 19602 1014
New & Used Auto Loans
5.19%
1 - 63
View
▼
APR5.19%
Term1 - 63
Last UpdatedMay 10, 2026
Details

As Low As

Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
10 S 2nd St, Reading, PA, 19602 1014
New & Used Auto Loans
5.39%
64 - 75
View
▼
APR5.39%
Term64 - 75
Last UpdatedMay 10, 2026
Details

As Low As

Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
10 S 2nd St, Reading, PA, 19602 1014
New & Used Auto Loans
5.44%
1 - 63
View
▼
APR5.44%
Term1 - 63
Last UpdatedMay 10, 2026
Details

As Low As

Reading Berks School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.87%
4641 Pottsville Pike, Reading, PA, 19605
New Vehicle Loan
5.50%
48 Months
View
▼
APR5.50%
Term48 Months
Last UpdatedMay 10, 2026
Details

UP TO 48 MONTHS

Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
10 S 2nd St, Reading, PA, 19602 1014
New & Used Auto Loans
5.64%
64 - 75
View
▼
APR5.64%
Term64 - 75
Last UpdatedMay 10, 2026
Details

As Low As

Reading Berks School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.87%
4641 Pottsville Pike, Reading, PA, 19605
New Vehicle Loan
5.75%
60 Months
View
▼
APR5.75%
Term60 Months
Last UpdatedMay 10, 2026
Details

UP TO 60 MONTHS

Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
10 S 2nd St, Reading, PA, 19602 1014
New & Used Auto Loans
5.79%
76 - 84
View
▼
APR5.79%
Term76 - 84
Last UpdatedMay 10, 2026
Details

As Low As

Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
10 S 2nd St, Reading, PA, 19602 1014
New & Used Auto Loans
5.94%
1 - 63
View
▼
APR5.94%
Term1 - 63
Last UpdatedMay 10, 2026
Details

As Low As

Reading Berks School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.87%
4641 Pottsville Pike, Reading, PA, 19605
New Vehicle Loan
6.00%
72 Months
View
▼
APR6.00%
Term72 Months
Last UpdatedMay 10, 2026
Details

UP TO 72 MONTHS

Reading Berks School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.87%
4641 Pottsville Pike, Reading, PA, 19605
Older Vehicle Loan
6.00%
60 Months
View
▼
APR6.00%
Term60 Months
Last UpdatedMay 10, 2026
Details

2019 AND NEWER; UP TO 60 MONTHS

Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
10 S 2nd St, Reading, PA, 19602 1014
New & Used Auto Loans
6.04%
76 - 84
View
▼
APR6.04%
Term76 - 84
Last UpdatedMay 10, 2026
Details

As Low As

Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
10 S 2nd St, Reading, PA, 19602 1014
New & Used Auto Loans
6.14%
64 - 75
View
▼
APR6.14%
Term64 - 75
Last UpdatedMay 10, 2026
Details

As Low As

Reading Berks School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.87%
4641 Pottsville Pike, Reading, PA, 19605
New Vehicle Loan
6.25%
84 Months
View
▼
APR6.25%
Term84 Months
Last UpdatedMay 10, 2026
Details

UP TO 84 MONTHS

Reading Berks School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.87%
4641 Pottsville Pike, Reading, PA, 19605
Older Vehicle Loan
6.25%
72 Months
View
▼
APR6.25%
Term72 Months
Last UpdatedMay 10, 2026
Details

2019 AND NEWER; UP TO 72 MONTHS

Reading Berks School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.87%
4641 Pottsville Pike, Reading, PA, 19605
Older Vehicle Loan
6.50%
84 Months
View
▼
APR6.50%
Term84 Months
Last UpdatedMay 10, 2026
Details

2019 AND NEWER; UP TO 84 MONTHS

Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
10 S 2nd St, Reading, PA, 19602 1014
New & Used Auto Loans
6.54%
76 - 84
View
▼
APR6.54%
Term76 - 84
Last UpdatedMay 10, 2026
Details

As Low As

Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
10 S 2nd St, Reading, PA, 19602 1014
New & Used Auto Loans
6.79%
85 - 96
View
▼
APR6.79%
Term85 - 96
Last UpdatedMay 10, 2026
Details

As Low As

Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
10 S 2nd St, Reading, PA, 19602 1014
New & Used Auto Loans
7.04%
85 - 96
View
▼
APR7.04%
Term85 - 96
Last UpdatedMay 10, 2026
Details

As Low As

Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
10 S 2nd St, Reading, PA, 19602 1014
New & Used Auto Loans
7.54%
85 - 96
View
▼
APR7.54%
Term85 - 96
Last UpdatedMay 10, 2026
Details

As Low As

Reading Berks School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.87%
4641 Pottsville Pike, Reading, PA, 19605
Older Vehicle
9.99%
60 Months
View
▼
APR9.99%
Term60 Months
Last UpdatedMay 10, 2026
Details

2018 & OLDER; 60 MONTHS

Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
New Vehicles
2.75%
12 Months
View
▼
APR2.75%
Term12 Months
Last UpdatedMay 6, 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
View
▼
APR3.24%
TermUp to 40
Last UpdatedMay 6, 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
View
▼
APR3.49%
TermUp to 40 Months
Last UpdatedMay 6, 2026
Details

VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
New Vehicle
3.49%
36 Months
View
▼
APR3.49%
Term36 Months
Last UpdatedMay 12, 2026
Details

Zero Down Payment

VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
Used Vehicle
3.49%
36 Months
View
▼
APR3.49%
Term36 Months
Last UpdatedMay 12, 2026
Details

2016-2019

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.50%
36 Months
View
▼
APR3.50%
Term36 Months
Last UpdatedMay 6, 2026
Details

As Low As; All Years**

UFCW COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
New Vehicle Loans
3.70%
Up to 84 months
View
▼
APR3.70%
TermUp to 84 months
Last UpdatedMay 12, 2026
Details

As Low As

First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
New Autos | Never Titled
3.74%
41-52
View
▼
APR3.74%
Term41-52
Last UpdatedMay 6, 2026
Details

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
View
▼
APR3.74%
TermUp to 36 Months
Last UpdatedMay 7, 2026
Details

As Low As

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
View
▼
APR3.75%
Term12 Months
Last UpdatedMay 6, 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
View
▼
APR3.75%
Term12 Months
Last UpdatedMay 6, 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
View
▼
APR3.75%
Term12 Months
Last UpdatedMay 6, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.75%
48 Months
View
▼
APR3.75%
Term48 Months
Last UpdatedMay 6, 2026
Details

As Low As; All Years**

IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles
3.75%
48 Months
View
▼
APR3.75%
Term48 Months
Last UpdatedMay 7, 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
View
▼
APR3.75%
Term84 Months
Last UpdatedMay 7, 2026
Details

Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
New or Used Auto Loans
3.79%
36 Months
View
▼
APR3.79%
Term36 Months
Last UpdatedMay 12, 2026
Details

As Low As

Stanwood Area Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.48%
New Auto
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedMay 6, 2026
Details

Citymark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
New Car
3.99%
96 Months
View
▼
APR3.99%
Term96 Months
Last UpdatedMay 7, 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
View
▼
APR3.99%
Term96 Months
Last UpdatedMay 7, 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
View
▼
APR3.99%
Term5 Months
Last UpdatedMay 7, 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
View
▼
APR3.99%
Term48 Months
Last UpdatedMay 7, 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
View
▼
APR3.99%
Term48 Months
Last UpdatedMay 7, 2026
Details

As Low As

First Capital Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
Auto Loans
3.99%
72 Months
View
▼
APR3.99%
Term72 Months
Last UpdatedMay 7, 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
View
▼
APR4.00%
Term48 Months
Last UpdatedMay 6, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.00%
60 Months
View
▼
APR4.00%
Term60 Months
Last UpdatedMay 6, 2026
Details

As Low As; All Years**

Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Autos
4.00%
Up to 36 months
View
▼
APR4.00%
TermUp to 36 months
Last UpdatedMay 7, 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
View
▼
APR4.00%
Term60 Months
Last UpdatedMay 7, 2026
Details

As Low As

Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★
New Autos
4.00%
Up to 36 months
View
▼
APR4.00%
TermUp to 36 months
Last UpdatedMay 10, 2026
Details

VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
New Vehicle
4.00%
60 Months
View
▼
APR4.00%
Term60 Months
Last UpdatedMay 12, 2026
Details

Zero Down Payment

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.15%
3 Months
View
▼
APR4.15%
Term3 Months
Last UpdatedMay 7, 2026
Details

As Low As; 3 YEAR REPAY

First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
New Autos | Never Titled
4.24%
53-64
View
▼
APR4.24%
Term53-64
Last UpdatedMay 6, 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
View
▼
APR4.24%
Term24 Months
Last UpdatedMay 6, 2026
Details

Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
New Auto Loans Model Years 2024-2026
4.24%
up to 60 months
View
▼
APR4.24%
Termup to 60 months
Last UpdatedMay 7, 2026
Details

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
View
▼
APR4.24%
TermUp to 36 Months
Last UpdatedMay 7, 2026
Details

As Low As

Utilities Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
Auto Loans
4.24%
up to 36
View
▼
APR4.24%
Termup to 36
Last UpdatedMay 10, 2026
Details

As Low As

HIGH POINT
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
Auto Loan
4.24%
48 Months
View
▼
APR4.24%
Term48 Months
Last UpdatedMay 12, 2026
Details

As Low As; 2025 & newer

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.25%
4 Months
View
▼
APR4.25%
Term4 Months
Last UpdatedMay 7, 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
View
▼
APR4.25%
TermUp to 36 months
Last UpdatedMay 7, 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
View
▼
APR4.25%
Term72 Months
Last UpdatedMay 7, 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
View
▼
APR4.25%
TermUp to 36 months 80-90% NADA retail
Last UpdatedMay 10, 2026
Details

First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Autos 2026 - 2024
4.37%
41 - 52 months
View
▼
APR4.37%
Term41 - 52 months
Last UpdatedMay 6, 2026
Details

Choice One Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.55%
Auto Loan
4.39%
84 Months
View
▼
APR4.39%
Term84 Months
Last UpdatedMay 6, 2026
Details

As Low As; With terms up to 84 Months; 110% Financing on Vehicles; *This rate includes the .25% discount for Auto Pay.

Choice One Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.55%
New Car Loan
4.39%
84 Months
View
▼
APR4.39%
Term84 Months
Last UpdatedMay 6, 2026
Details

As Low As; 110% Financing on Vehicles; This rate includes the .25% discount for Auto Pay.

ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
NEW or USED vehicles
4.39%
up to 36
View
▼
APR4.39%
Termup to 36
Last UpdatedMay 12, 2026
Details

As Low As; w/ Auto Pay Discount

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
NEW Auto Loan
4.40%
36 Months
View
▼
APR4.40%
Term36 Months
Last UpdatedMay 7, 2026
Details

As Low As

HIGH POINT
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
Auto Loan
4.44%
48 Months
View
▼
APR4.44%
Term48 Months
Last UpdatedMay 12, 2026
Details

As Low As; 2024 & Older

Choice One Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.55%
Auto Loan
4.49%
84 months
View
▼
APR4.49%
Term84 months
Last UpdatedMay 6, 2026
Details

As Low As; This rate includes the .25% discount with Auto Pay.

Choice One Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.55%
Used Car Loan
4.49%
84 Months
View
▼
APR4.49%
Term84 Months
Last UpdatedMay 6, 2026
Details

As Low As; With terms up to 84 months; *This rate includes the .25% discount with Auto Pay.

First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
New Autos | Never Titled
4.49%
65-76
View
▼
APR4.49%
Term65-76
Last UpdatedMay 6, 2026
Details

First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Autos
4.49%
Up to 52
View
▼
APR4.49%
TermUp to 52
Last UpdatedMay 6, 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
View
▼
APR4.49%
Term36 Months
Last UpdatedMay 6, 2026
Details

Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
New Auto Loans Model Years 2024-2026
4.49%
72 months
View
▼
APR4.49%
Term72 months
Last UpdatedMay 7, 2026
Details

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
View
▼
APR4.49%
TermUp to 60 months
Last UpdatedMay 7, 2026
Details

As Low As

First Capital Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
New Vehicles
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedMay 7, 2026
Details

First Capital Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
New Vehicles Auto Loans
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedMay 7, 2026
Details

As Low As

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
New 2026 Auto Loan
4.49%
24 Months
View
▼
APR4.49%
Term24 Months
Last UpdatedMay 10, 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
View
▼
APR4.49%
Term24 Months
Last UpdatedMay 10, 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
View
▼
APR4.49%
Term24 Months
Last UpdatedMay 10, 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
View
▼
APR4.49%
Term24 Months
Last UpdatedMay 10, 2026
Details

As Low As

ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
Auto Loans
4.49%
up to 36 months
View
▼
APR4.49%
Termup to 36 months
Last UpdatedMay 12, 2026
Details

As Low As; w/ Auto Pay Discount: as low as 4.39%

ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
NEW or USED vehicles
4.49%
up to 36
View
▼
APR4.49%
Termup to 36
Last UpdatedMay 12, 2026
Details

As Low As

FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.41%
New Auto Loan
4.50%
60 Months
View
▼
APR4.50%
Term60 Months
Last UpdatedMay 6, 2026
Details

As Low As

FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.41%
New Vehicles
4.50%
up to 60 mos.
View
▼
APR4.50%
Termup to 60 mos.
Last UpdatedMay 6, 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
View
▼
APR4.50%
Term36 Month
Last UpdatedMay 6, 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
View
▼
APR4.50%
Term60 Months
Last UpdatedMay 6, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedMay 6, 2026
Details

As Low As; 2020 or Newer**

Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Autos
4.50%
Up to 60 months
View
▼
APR4.50%
TermUp to 60 months
Last UpdatedMay 7, 2026
Details

100% MSRP

Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Autos 2022 and newer
4.50%
48 - 60 months
View
▼
APR4.50%
Term48 - 60 months
Last UpdatedMay 7, 2026
Details

80-90% NADA retail

Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★
New Autos
4.50%
48 to 60 months 100% MSRP
View
▼
APR4.50%
Term48 to 60 months 100% MSRP
Last UpdatedMay 10, 2026
Details

Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★
Used Autos 2021 and newer
4.50%
48 to 60 months 80-90% NADA retail
View
▼
APR4.50%
Term48 to 60 months 80-90% NADA retail
Last UpdatedMay 10, 2026
Details

Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
New & Used Auto Loans (2020 and Newer)
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedMay 10, 2026
Details

FICO Score 750+

Alcose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Vehicles 2025 - 2026
4.50%
48 Months
View
▼
APR4.50%
Term48 Months
Last UpdatedMay 10, 2026
Details

As Low As; Up to 48 Months with an APR*

Alcose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Vehicles 2025- 2026
4.50%
48 Months
View
▼
APR4.50%
Term48 Months
Last UpdatedMay 10, 2026
Details

As Low As

VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
New Vehicle
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedMay 12, 2026
Details

Zero Down Payment

VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
Used Vehicle
4.50%
60 Months
View
▼
APR4.50%
Term60 Months
Last UpdatedMay 12, 2026
Details

2022 - NEWER

VASCO
Institution Rating:
A5.0 ★ Texas Ratio: 12.06%
New Vehicles
4.50%
72 months
View
▼
APR4.50%
Term72 months
Last UpdatedMay 12, 2026
Details

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
New 2026 Auto Loan
4.64%
36 Months
View
▼
APR4.64%
Term36 Months
Last UpdatedMay 10, 2026
Details

As Low As

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
New 2026 Auto Loans
4.64%
36 Months
View
▼
APR4.64%
Term36 Months
Last UpdatedMay 10, 2026
Details

As Low As

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
Used 2024 - 2025 Auto Loan
4.64%
36 Months
View
▼
APR4.64%
Term36 Months
Last UpdatedMay 10, 2026
Details

As Low As

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
Used 2024 - 2025 Auto Loans
4.64%
36 Months
View
▼
APR4.64%
Term36 Months
Last UpdatedMay 10, 2026
Details

As Low As

HIGH POINT
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
Auto Loan
4.64%
49-60
View
▼
APR4.64%
Term49-60
Last UpdatedMay 12, 2026
Details

As Low As; 2024 & Older

Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.48%
New Vehicle Loan
4.69%
36 Months
View
▼
APR4.69%
Term36 Months
Last UpdatedMay 10, 2026
Details

Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.48%
Used Vehicle Loan
4.69%
36 Months
View
▼
APR4.69%
Term36 Months
Last UpdatedMay 10, 2026
Details

Some Restrictions Apply Vehicles 2017 or newer

Lehigh Valley Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
New Auto Loan
4.69%
36 Months
View
▼
APR4.69%
Term36 Months
Last UpdatedMay 10, 2026
Details

As Low As

Lehigh Valley Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
Used Auto Loan
4.69%
36 Months
View
▼
APR4.69%
Term36 Months
Last UpdatedMay 10, 2026
Details

As Low As

Fayette County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Vehicles 2026, 2025, 2024
4.70%
36 Months
View
▼
APR4.70%
Term36 Months
Last UpdatedMay 10, 2026
Details

United Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
New Automobile (2026 and 2025 Model Years)
4.74%
60 Mos
View
▼
APR4.74%
Term60 Mos
Last UpdatedMay 6, 2026
Details

As Low As

First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Autos 2026 - 2024
4.74%
53 - 64 months
View
▼
APR4.74%
Term53 - 64 months
Last UpdatedMay 6, 2026
Details

Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
New Auto Loans Model Years 2024-2026
4.74%
84 months
View
▼
APR4.74%
Term84 months
Last UpdatedMay 7, 2026
Details

Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
Used Auto Loans Model Years 2021-2023
4.74%
up to 60 months
View
▼
APR4.74%
Termup to 60 months
Last UpdatedMay 7, 2026
Details

HIGH POINT
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
Auto Loan
4.74%
61-75
View
▼
APR4.74%
Term61-75
Last UpdatedMay 12, 2026
Details

As Low As; 2025 & newer

FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.41%
New Vehicles
4.75%
61 to 72 mos.
View
▼
APR4.75%
Term61 to 72 mos.
Last UpdatedMay 6, 2026
Details

As Low As

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.75%
5 Months
View
▼
APR4.75%
Term5 Months
Last UpdatedMay 7, 2026
Details

As Low As; 5 YEAR REPAY

Visionary Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.88%
New Vehicle - 2025 and Newer
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedMay 7, 2026
Details

As Low As

IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles
4.75%
84 Months
View
▼
APR4.75%
Term84 Months
Last UpdatedMay 7, 2026
Details

As Low As

Altoona Area Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
Used Auto Loans
4.75%
61-72 months
View
▼
APR4.75%
Term61-72 months
Last UpdatedMay 7, 2026
Details

Altoona Area Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
Used Auto Loans
4.75%
Up to 60 months
View
▼
APR4.75%
TermUp to 60 months
Last UpdatedMay 7, 2026
Details

First Capital Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
Used Vehicles
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedMay 7, 2026
Details

First Capital Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
Used Vehicles Auto Loans
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedMay 7, 2026
Details

As Low As

Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
New & Used Auto Loans (2020 and Newer)
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedMay 10, 2026
Details

FICO Score 750+

Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
Used Auto Loan (2019 and Older)
4.75%
36 Months
View
▼
APR4.75%
Term36 Months
Last UpdatedMay 10, 2026
Details

FICO Score 750+

VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
Used Vehicle
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedMay 12, 2026
Details

2022 - NEWER**

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
New 2026 Auto Loan
4.79%
48 Months
View
▼
APR4.79%
Term48 Months
Last UpdatedMay 10, 2026
Details

As Low As

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
New 2026 Auto Loans
4.79%
48 Months
View
▼
APR4.79%
Term48 Months
Last UpdatedMay 10, 2026
Details

As Low As

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
Used 2024 - 2025 Auto Loan
4.79%
48 Months
View
▼
APR4.79%
Term48 Months
Last UpdatedMay 10, 2026
Details

As Low As

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
Used 2024 - 2025 Auto Loans
4.79%
48 Months
View
▼
APR4.79%
Term48 Months
Last UpdatedMay 10, 2026
Details

As Low As

Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Car 2027-2024 Model Year
4.87%
48 Months
View
▼
APR4.87%
Term48 Months
Last UpdatedMay 6, 2026
Details

Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.48%
Used Vehicle Loan
4.89%
48 Months
View
▼
APR4.89%
Term48 Months
Last UpdatedMay 10, 2026
Details

Some Restrictions Apply Vehicles 2017 or newer

USX
Institution Rating:
A+5.0 ★ Texas Ratio: 5.49%
New and Used Vehicles Model years 2026-2025-2024-2023
4.89%
Up to 48
View
▼
APR4.89%
TermUp to 48
Last UpdatedMay 12, 2026
Details

ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
NEW or USED vehicles
4.89%
37 - 48
View
▼
APR4.89%
Term37 - 48
Last UpdatedMay 12, 2026
Details

As Low As; w/ Auto Pay Discount

P&G Mehoopany Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
New and Used Auto Loan
4.90%
Up to 96 Months
View
▼
APR4.90%
TermUp to 96 Months
Last UpdatedMay 7, 2026
Details

Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.48%
New Vehicle Loan
4.90%
48 Months
View
▼
APR4.90%
Term48 Months
Last UpdatedMay 10, 2026
Details

Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
Used Auto Loans Model Years 2021-2023
4.94%
72 months
View
▼
APR4.94%
Term72 months
Last UpdatedMay 7, 2026
Details

HIGH POINT
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
Auto Loan
4.94%
61-75
View
▼
APR4.94%
Term61-75
Last UpdatedMay 12, 2026
Details

As Low As; 2024 & Older

Bethlehem 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
New Vehicle
4.99%
4 Years
View
▼
APR4.99%
Term4 Years
Last UpdatedMay 6, 2026
Details

As Low As

Bethlehem 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
Used Vehicles (2019-2025)
4.99%
1-4 Years
View
▼
APR4.99%
Term1-4 Years
Last UpdatedMay 6, 2026
Details

As Low As

Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.63%
New Vehicle Loans (2026-2025) † 3 Years
4.99%
3 Months
View
▼
APR4.99%
Term3 Months
Last UpdatedMay 6, 2026
Details

As Low As

Multi-Schools Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.85%
New Car Loan
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedMay 6, 2026
Details

As Low As

Top Tier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.44%
New & Used Auto (2026-2023)
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedMay 6, 2026
Details

As Low As

Benchmark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Auto Loans - 2023-2026 MODEL YEAR
4.99%
2026 Mo
View
▼
APR4.99%
Term2026 Mo
Last UpdatedMay 6, 2026
Details

Upper Darby Bell Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
Used Car Loans (Model Year 2019 - 2025)
4.99%
24 months
View
▼
APR4.99%
Term24 months
Last UpdatedMay 6, 2026
Details

As Low As

Steel Strong Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
New Auto
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 6, 2026
Details

As Low As

American Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
Auto Loan
4.99%
Up to 63
View
▼
APR4.99%
TermUp to 63
Last UpdatedMay 6, 2026
Details

As Low As

United Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Used Automobile (2025-2023 Model Years)
4.99%
60 Mos
View
▼
APR4.99%
Term60 Mos
Last UpdatedMay 6, 2026
Details

As Low As

First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Autos
4.99%
53 - 64
View
▼
APR4.99%
Term53 - 64
Last UpdatedMay 6, 2026
Details

First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Autos 2026 - 2024
4.99%
65 - 76 months
View
▼
APR4.99%
Term65 - 76 months
Last UpdatedMay 6, 2026
Details

CACL Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.30%
New Vehicle
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedMay 6, 2026
Details

CACL Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.30%
Older Used Vehicle
4.99%
24 Months
View
▼
APR4.99%
Term24 Months
Last UpdatedMay 6, 2026
Details

CACL Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.30%
Used Vehicle
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedMay 6, 2026
Details

Westmoreland Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.14%
New Vehicles (36 months)
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedMay 6, 2026
Details

As Low As

Westmoreland Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.14%
New Vehicles (48 months)
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedMay 6, 2026
Details

As Low As

Westmoreland Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.14%
New Vehicles (60 months)
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 6, 2026
Details

As Low As

First Commonwealth Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.91%
Auto Loan - New
4.99%
36-Months
View
▼
APR4.99%
Term36-Months
Last UpdatedMay 7, 2026
Details

As Low As

Visionary Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.88%
New Vehicle - 2025 and Newer
4.99%
61 -72
View
▼
APR4.99%
Term61 -72
Last UpdatedMay 7, 2026
Details

As Low As

Visionary Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.88%
Used Vehicle - 2021 - 2023
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 7, 2026
Details

As Low As

Visionary Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.88%
Used Vehicle - 2024 - 2026
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 7, 2026
Details

As Low As

UFCW Local 1776 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicles
4.99%
6 Months
View
▼
APR4.99%
Term6 Months
Last UpdatedMay 7, 2026
Details

As Low As; * For Qualified Buyer

UFCW Local 1776 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
Used Vehicles
4.99%
5 Months
View
▼
APR4.99%
Term5 Months
Last UpdatedMay 7, 2026
Details

As Low As; (2023 - 2026) * For Qualified Buyer

Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Autos
4.99%
Up to 72 months
View
▼
APR4.99%
TermUp to 72 months
Last UpdatedMay 7, 2026
Details

100% MSRP

Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Autos 2022 and newer
4.99%
Up to 72 months
View
▼
APR4.99%
TermUp to 72 months
Last UpdatedMay 7, 2026
Details

80-90% NADA retail

Susquehanna Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.20%
Autos 2023 & Newer
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 7, 2026
Details

Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
Auto Loans - 2023-2026 MODEL YEAR
4.99%
2026 Mo
View
▼
APR4.99%
Term2026 Mo
Last UpdatedMay 7, 2026
Details

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
NEW Auto Loan
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 7, 2026
Details

As Low As

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
USED Auto Loan
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedMay 7, 2026
Details

As Low As

Pennsylvania American Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
NEW OR USED VEHICLE LOANS (2024-2026)
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedMay 7, 2026
Details

Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
66-Month Used Auto Loan
4.99%
66 Months
View
▼
APR4.99%
Term66 Months
Last UpdatedMay 7, 2026
Details

As Low As

Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
New Auto
4.99%
48 months
View
▼
APR4.99%
Term48 months
Last UpdatedMay 7, 2026
Details

Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
Used Auto (2015 or newer)
4.99%
48 months
View
▼
APR4.99%
Term48 months
Last UpdatedMay 7, 2026
Details

Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
Used Auto (2017 or newer)
4.99%
66 months
View
▼
APR4.99%
Term66 months
Last UpdatedMay 7, 2026
Details

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 7, 2026
Details

As Low As

First Capital Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
Auto Loans
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedMay 7, 2026
Details

As Low As

Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★
New Autos
4.99%
Up to 72 months 100% MSRP
View
▼
APR4.99%
TermUp to 72 months 100% MSRP
Last UpdatedMay 10, 2026
Details

Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★
Used Autos 2021 and newer
4.99%
Up to 72 months 80-90% NADA retail
View
▼
APR4.99%
TermUp to 72 months 80-90% NADA retail
Last UpdatedMay 10, 2026
Details

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
New 2026 Auto Loan
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 10, 2026
Details

As Low As

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
New 2026 Auto Loans
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 10, 2026
Details

As Low As

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
Used 2024 - 2025 Auto Loan
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 10, 2026
Details

As Low As

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
Used 2024 - 2025 Auto Loans
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 10, 2026
Details

As Low As

Lehigh Valley Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
New Auto Loan
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedMay 10, 2026
Details

As Low As

Lehigh Valley Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
Used Auto Loan
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedMay 10, 2026
Details

As Low As

Utilities Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
Auto Loans
4.99%
37 to 60
View
▼
APR4.99%
Term37 to 60
Last UpdatedMay 10, 2026
Details

As Low As

USX
Institution Rating:
A+5.0 ★ Texas Ratio: 5.49%
Auto Loan
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedMay 12, 2026
Details

As Low As

Omega Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
New Auto
4.99%
60 months
View
▼
APR4.99%
Term60 months
Last UpdatedMay 12, 2026
Details

As Low As

Omega Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
Used Auto Loans
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 12, 2026
Details

As Low As

MERCK SHARP and DOHME
Institution Rating:
A+5.0 ★ Texas Ratio: 1.04%
New & Used Vehicle Loans
4.99%
Up to 60
View
▼
APR4.99%
TermUp to 60
Last UpdatedMay 12, 2026
Details

Allentown Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.11%
Car Loans
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedMay 12, 2026
Details

Allentown Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.11%
New/Used vehicle purchase
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedMay 12, 2026
Details

ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
Auto Loans
4.99%
37 - 48 months
View
▼
APR4.99%
Term37 - 48 months
Last UpdatedMay 12, 2026
Details

As Low As; w/ Auto Pay Discount: as low as 4.89%

ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
NEW or USED vehicles
4.99%
37 - 48
View
▼
APR4.99%
Term37 - 48
Last UpdatedMay 12, 2026
Details

As Low As

FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.41%
Used Auto Loan
5.00%
60 Months
View
▼
APR5.00%
Term60 Months
Last UpdatedMay 6, 2026
Details

Elliott Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
used vehicle rate
5.00%
24 months
View
▼
APR5.00%
Term24 months
Last UpdatedMay 6, 2026
Details

As Low As

G.A.P. Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Vehicle (2026, 2025)
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedMay 6, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedMay 6, 2026
Details

As Low As; 2022 or Newer

Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
New Auto 37 to 84 Months
5.00%
84 months
View
▼
APR5.00%
Term84 months
Last UpdatedMay 6, 2026
Details

72 months over $20,000 financed 84 months over $40,000 financed

Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
New Auto Up to 36 Months
5.00%
36 months
View
▼
APR5.00%
Term36 months
Last UpdatedMay 6, 2026
Details

Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
Used Auto: 2024-2026 Model Years
5.00%
84 months
View
▼
APR5.00%
Term84 months
Last UpdatedMay 6, 2026
Details

72 months over $20,000 financed 84 months over $40,000 financed

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
10 S 2nd St, Reading, PA, 19602 1014
New & Used Auto Loans
5.19%
1 - 63
View
▼
APR5.19%
Term1 - 63
Last UpdatedMay 10, 2026
Details

As Low As

Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
10 S 2nd St, Reading, PA, 19602 1014
New & Used Auto Loans
5.39%
64 - 75
View
▼
APR5.39%
Term64 - 75
Last UpdatedMay 10, 2026
Details

As Low As

Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
10 S 2nd St, Reading, PA, 19602 1014
New & Used Auto Loans
5.44%
1 - 63
View
▼
APR5.44%
Term1 - 63
Last UpdatedMay 10, 2026
Details

As Low As

Reading Berks School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.87%
4641 Pottsville Pike, Reading, PA, 19605
New Vehicle Loan
5.50%
48 Months
View
▼
APR5.50%
Term48 Months
Last UpdatedMay 10, 2026
Details

UP TO 48 MONTHS

Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
10 S 2nd St, Reading, PA, 19602 1014
New & Used Auto Loans
5.64%
64 - 75
View
▼
APR5.64%
Term64 - 75
Last UpdatedMay 10, 2026
Details

As Low As

Reading Berks School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.87%
4641 Pottsville Pike, Reading, PA, 19605
New Vehicle Loan
5.75%
60 Months
View
▼
APR5.75%
Term60 Months
Last UpdatedMay 10, 2026
Details

UP TO 60 MONTHS

Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
10 S 2nd St, Reading, PA, 19602 1014
New & Used Auto Loans
5.79%
76 - 84
View
▼
APR5.79%
Term76 - 84
Last UpdatedMay 10, 2026
Details

As Low As

Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
10 S 2nd St, Reading, PA, 19602 1014
New & Used Auto Loans
5.94%
1 - 63
View
▼
APR5.94%
Term1 - 63
Last UpdatedMay 10, 2026
Details

As Low As

Reading Berks School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.87%
4641 Pottsville Pike, Reading, PA, 19605
New Vehicle Loan
6.00%
72 Months
View
▼
APR6.00%
Term72 Months
Last UpdatedMay 10, 2026
Details

UP TO 72 MONTHS

Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
10 S 2nd St, Reading, PA, 19602 1014
New & Used Auto Loans
6.04%
76 - 84
View
▼
APR6.04%
Term76 - 84
Last UpdatedMay 10, 2026
Details

As Low As

Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
10 S 2nd St, Reading, PA, 19602 1014
New & Used Auto Loans
6.14%
64 - 75
View
▼
APR6.14%
Term64 - 75
Last UpdatedMay 10, 2026
Details

As Low As

Reading Berks School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.87%
4641 Pottsville Pike, Reading, PA, 19605
New Vehicle Loan
6.25%
84 Months
View
▼
APR6.25%
Term84 Months
Last UpdatedMay 10, 2026
Details

UP TO 84 MONTHS

Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
10 S 2nd St, Reading, PA, 19602 1014
New & Used Auto Loans
6.54%
76 - 84
View
▼
APR6.54%
Term76 - 84
Last UpdatedMay 10, 2026
Details

As Low As

Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
10 S 2nd St, Reading, PA, 19602 1014
New & Used Auto Loans
6.79%
85 - 96
View
▼
APR6.79%
Term85 - 96
Last UpdatedMay 10, 2026
Details

As Low As

Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
10 S 2nd St, Reading, PA, 19602 1014
New & Used Auto Loans
7.04%
85 - 96
View
▼
APR7.04%
Term85 - 96
Last UpdatedMay 10, 2026
Details

As Low As

Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
10 S 2nd St, Reading, PA, 19602 1014
New & Used Auto Loans
7.54%
85 - 96
View
▼
APR7.54%
Term85 - 96
Last UpdatedMay 10, 2026
Details

As Low As

Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
New Vehicles
2.75%
12 Months
View
▼
APR2.75%
Term12 Months
Last UpdatedMay 6, 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
View
▼
APR3.24%
TermUp to 40
Last UpdatedMay 6, 2026
Details

VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
New Vehicle
3.49%
36 Months
View
▼
APR3.49%
Term36 Months
Last UpdatedMay 12, 2026
Details

Zero Down Payment

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.50%
36 Months
View
▼
APR3.50%
Term36 Months
Last UpdatedMay 6, 2026
Details

As Low As; All Years**

UFCW COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
New Vehicle Loans
3.70%
Up to 84 months
View
▼
APR3.70%
TermUp to 84 months
Last UpdatedMay 12, 2026
Details

As Low As

First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
New Autos | Never Titled
3.74%
41-52
View
▼
APR3.74%
Term41-52
Last UpdatedMay 6, 2026
Details

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
View
▼
APR3.74%
TermUp to 36 Months
Last UpdatedMay 7, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.75%
48 Months
View
▼
APR3.75%
Term48 Months
Last UpdatedMay 6, 2026
Details

As Low As; All Years**

IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles
3.75%
48 Months
View
▼
APR3.75%
Term48 Months
Last UpdatedMay 7, 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
View
▼
APR3.75%
Term84 Months
Last UpdatedMay 7, 2026
Details

Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
New or Used Auto Loans
3.79%
36 Months
View
▼
APR3.79%
Term36 Months
Last UpdatedMay 12, 2026
Details

As Low As

Stanwood Area Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.48%
New Auto
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedMay 6, 2026
Details

Citymark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
New Car
3.99%
96 Months
View
▼
APR3.99%
Term96 Months
Last UpdatedMay 7, 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
View
▼
APR3.99%
Term5 Months
Last UpdatedMay 7, 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
View
▼
APR3.99%
Term48 Months
Last UpdatedMay 7, 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
View
▼
APR4.00%
Term48 Months
Last UpdatedMay 6, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.00%
60 Months
View
▼
APR4.00%
Term60 Months
Last UpdatedMay 6, 2026
Details

As Low As; All Years**

Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Autos
4.00%
Up to 36 months
View
▼
APR4.00%
TermUp to 36 months
Last UpdatedMay 7, 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
View
▼
APR4.00%
Term60 Months
Last UpdatedMay 7, 2026
Details

As Low As

Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★
New Autos
4.00%
Up to 36 months
View
▼
APR4.00%
TermUp to 36 months
Last UpdatedMay 10, 2026
Details

VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
New Vehicle
4.00%
60 Months
View
▼
APR4.00%
Term60 Months
Last UpdatedMay 12, 2026
Details

Zero Down Payment

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.15%
3 Months
View
▼
APR4.15%
Term3 Months
Last UpdatedMay 7, 2026
Details

As Low As; 3 YEAR REPAY

First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
New Autos | Never Titled
4.24%
53-64
View
▼
APR4.24%
Term53-64
Last UpdatedMay 6, 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
View
▼
APR4.24%
Term24 Months
Last UpdatedMay 6, 2026
Details

Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
New Auto Loans Model Years 2024-2026
4.24%
up to 60 months
View
▼
APR4.24%
Termup to 60 months
Last UpdatedMay 7, 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
View
▼
APR4.25%
Term4 Months
Last UpdatedMay 7, 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
View
▼
APR4.25%
TermUp to 36 months
Last UpdatedMay 7, 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
View
▼
APR4.25%
Term72 Months
Last UpdatedMay 7, 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
View
▼
APR4.25%
TermUp to 36 months 80-90% NADA retail
Last UpdatedMay 10, 2026
Details

Choice One Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.55%
New Car Loan
4.39%
84 Months
View
▼
APR4.39%
Term84 Months
Last UpdatedMay 6, 2026
Details

As Low As; 110% Financing on Vehicles; This rate includes the .25% discount for Auto Pay.

ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
NEW or USED vehicles
4.39%
up to 36
View
▼
APR4.39%
Termup to 36
Last UpdatedMay 12, 2026
Details

As Low As; w/ Auto Pay Discount

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
NEW Auto Loan
4.40%
36 Months
View
▼
APR4.40%
Term36 Months
Last UpdatedMay 7, 2026
Details

As Low As

First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
New Autos | Never Titled
4.49%
65-76
View
▼
APR4.49%
Term65-76
Last UpdatedMay 6, 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
View
▼
APR4.49%
Term36 Months
Last UpdatedMay 6, 2026
Details

Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
New Auto Loans Model Years 2024-2026
4.49%
72 months
View
▼
APR4.49%
Term72 months
Last UpdatedMay 7, 2026
Details

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
View
▼
APR4.49%
TermUp to 60 months
Last UpdatedMay 7, 2026
Details

As Low As

First Capital Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
New Vehicles
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedMay 7, 2026
Details

First Capital Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
New Vehicles Auto Loans
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedMay 7, 2026
Details

As Low As

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
New 2026 Auto Loan
4.49%
24 Months
View
▼
APR4.49%
Term24 Months
Last UpdatedMay 10, 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
View
▼
APR4.49%
Term24 Months
Last UpdatedMay 10, 2026
Details

As Low As

ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
NEW or USED vehicles
4.49%
up to 36
View
▼
APR4.49%
Termup to 36
Last UpdatedMay 12, 2026
Details

As Low As

FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.41%
New Auto Loan
4.50%
60 Months
View
▼
APR4.50%
Term60 Months
Last UpdatedMay 6, 2026
Details

As Low As

FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.41%
New Vehicles
4.50%
up to 60 mos.
View
▼
APR4.50%
Termup to 60 mos.
Last UpdatedMay 6, 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
View
▼
APR4.50%
Term36 Month
Last UpdatedMay 6, 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
View
▼
APR4.50%
Term60 Months
Last UpdatedMay 6, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedMay 6, 2026
Details

As Low As; 2020 or Newer**

Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Autos
4.50%
Up to 60 months
View
▼
APR4.50%
TermUp to 60 months
Last UpdatedMay 7, 2026
Details

100% MSRP

Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Autos 2022 and newer
4.50%
48 - 60 months
View
▼
APR4.50%
Term48 - 60 months
Last UpdatedMay 7, 2026
Details

80-90% NADA retail

Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★
New Autos
4.50%
48 to 60 months 100% MSRP
View
▼
APR4.50%
Term48 to 60 months 100% MSRP
Last UpdatedMay 10, 2026
Details

Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★
Used Autos 2021 and newer
4.50%
48 to 60 months 80-90% NADA retail
View
▼
APR4.50%
Term48 to 60 months 80-90% NADA retail
Last UpdatedMay 10, 2026
Details

Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
New & Used Auto Loans (2020 and Newer)
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedMay 10, 2026
Details

FICO Score 750+

Alcose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Vehicles 2025 - 2026
4.50%
48 Months
View
▼
APR4.50%
Term48 Months
Last UpdatedMay 10, 2026
Details

As Low As; Up to 48 Months with an APR*

Alcose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Vehicles 2025- 2026
4.50%
48 Months
View
▼
APR4.50%
Term48 Months
Last UpdatedMay 10, 2026
Details

As Low As

VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
New Vehicle
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedMay 12, 2026
Details

Zero Down Payment

VASCO
Institution Rating:
A5.0 ★ Texas Ratio: 12.06%
New Vehicles
4.50%
72 months
View
▼
APR4.50%
Term72 months
Last UpdatedMay 12, 2026
Details

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
New 2026 Auto Loan
4.64%
36 Months
View
▼
APR4.64%
Term36 Months
Last UpdatedMay 10, 2026
Details

As Low As

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
New 2026 Auto Loans
4.64%
36 Months
View
▼
APR4.64%
Term36 Months
Last UpdatedMay 10, 2026
Details

As Low As

Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.48%
New Vehicle Loan
4.69%
36 Months
View
▼
APR4.69%
Term36 Months
Last UpdatedMay 10, 2026
Details

Lehigh Valley Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
New Auto Loan
4.69%
36 Months
View
▼
APR4.69%
Term36 Months
Last UpdatedMay 10, 2026
Details

As Low As

Fayette County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Vehicles 2026, 2025, 2024
4.70%
36 Months
View
▼
APR4.70%
Term36 Months
Last UpdatedMay 10, 2026
Details

United Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
New Automobile (2026 and 2025 Model Years)
4.74%
60 Mos
View
▼
APR4.74%
Term60 Mos
Last UpdatedMay 6, 2026
Details

As Low As

Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
New Auto Loans Model Years 2024-2026
4.74%
84 months
View
▼
APR4.74%
Term84 months
Last UpdatedMay 7, 2026
Details

FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.41%
New Vehicles
4.75%
61 to 72 mos.
View
▼
APR4.75%
Term61 to 72 mos.
Last UpdatedMay 6, 2026
Details

As Low As

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.75%
5 Months
View
▼
APR4.75%
Term5 Months
Last UpdatedMay 7, 2026
Details

As Low As; 5 YEAR REPAY

Visionary Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.88%
New Vehicle - 2025 and Newer
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedMay 7, 2026
Details

As Low As

IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles
4.75%
84 Months
View
▼
APR4.75%
Term84 Months
Last UpdatedMay 7, 2026
Details

As Low As

Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
New & Used Auto Loans (2020 and Newer)
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedMay 10, 2026
Details

FICO Score 750+

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
New 2026 Auto Loan
4.79%
48 Months
View
▼
APR4.79%
Term48 Months
Last UpdatedMay 10, 2026
Details

As Low As

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
New 2026 Auto Loans
4.79%
48 Months
View
▼
APR4.79%
Term48 Months
Last UpdatedMay 10, 2026
Details

As Low As

Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Car 2027-2024 Model Year
4.87%
48 Months
View
▼
APR4.87%
Term48 Months
Last UpdatedMay 6, 2026
Details

USX
Institution Rating:
A+5.0 ★ Texas Ratio: 5.49%
New and Used Vehicles Model years 2026-2025-2024-2023
4.89%
Up to 48
View
▼
APR4.89%
TermUp to 48
Last UpdatedMay 12, 2026
Details

ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
NEW or USED vehicles
4.89%
37 - 48
View
▼
APR4.89%
Term37 - 48
Last UpdatedMay 12, 2026
Details

As Low As; w/ Auto Pay Discount

P&G Mehoopany Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
New and Used Auto Loan
4.90%
Up to 96 Months
View
▼
APR4.90%
TermUp to 96 Months
Last UpdatedMay 7, 2026
Details

Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.48%
New Vehicle Loan
4.90%
48 Months
View
▼
APR4.90%
Term48 Months
Last UpdatedMay 10, 2026
Details

Bethlehem 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
New Vehicle
4.99%
4 Years
View
▼
APR4.99%
Term4 Years
Last UpdatedMay 6, 2026
Details

As Low As

Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.63%
New Vehicle Loans (2026-2025) † 3 Years
4.99%
3 Months
View
▼
APR4.99%
Term3 Months
Last UpdatedMay 6, 2026
Details

As Low As

Multi-Schools Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.85%
New Car Loan
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedMay 6, 2026
Details

As Low As

Top Tier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.44%
New & Used Auto (2026-2023)
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedMay 6, 2026
Details

As Low As

Steel Strong Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
New Auto
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 6, 2026
Details

As Low As

CACL Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.30%
New Vehicle
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedMay 6, 2026
Details

Westmoreland Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.14%
New Vehicles (36 months)
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedMay 6, 2026
Details

As Low As

Westmoreland Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.14%
New Vehicles (48 months)
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedMay 6, 2026
Details

As Low As

Westmoreland Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.14%
New Vehicles (60 months)
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 6, 2026
Details

As Low As

First Commonwealth Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.91%
Auto Loan - New
4.99%
36-Months
View
▼
APR4.99%
Term36-Months
Last UpdatedMay 7, 2026
Details

As Low As

Visionary Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.88%
New Vehicle - 2025 and Newer
4.99%
61 -72
View
▼
APR4.99%
Term61 -72
Last UpdatedMay 7, 2026
Details

As Low As

UFCW Local 1776 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicles
4.99%
6 Months
View
▼
APR4.99%
Term6 Months
Last UpdatedMay 7, 2026
Details

As Low As; * For Qualified Buyer

Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Autos
4.99%
Up to 72 months
View
▼
APR4.99%
TermUp to 72 months
Last UpdatedMay 7, 2026
Details

100% MSRP

Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Autos 2022 and newer
4.99%
Up to 72 months
View
▼
APR4.99%
TermUp to 72 months
Last UpdatedMay 7, 2026
Details

80-90% NADA retail

Susquehanna Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.20%
Autos 2023 & Newer
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 7, 2026
Details

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
NEW Auto Loan
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 7, 2026
Details

As Low As

Pennsylvania American Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
NEW OR USED VEHICLE LOANS (2024-2026)
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedMay 7, 2026
Details

Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
New Auto
4.99%
48 months
View
▼
APR4.99%
Term48 months
Last UpdatedMay 7, 2026
Details

Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
Used Auto (2015 or newer)
4.99%
48 months
View
▼
APR4.99%
Term48 months
Last UpdatedMay 7, 2026
Details

Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
Used Auto (2017 or newer)
4.99%
66 months
View
▼
APR4.99%
Term66 months
Last UpdatedMay 7, 2026
Details

Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★
New Autos
4.99%
Up to 72 months 100% MSRP
View
▼
APR4.99%
TermUp to 72 months 100% MSRP
Last UpdatedMay 10, 2026
Details

Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★
Used Autos 2021 and newer
4.99%
Up to 72 months 80-90% NADA retail
View
▼
APR4.99%
TermUp to 72 months 80-90% NADA retail
Last UpdatedMay 10, 2026
Details

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
New 2026 Auto Loan
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 10, 2026
Details

As Low As

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
New 2026 Auto Loans
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 10, 2026
Details

As Low As

Lehigh Valley Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
New Auto Loan
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedMay 10, 2026
Details

As Low As

Omega Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
New Auto
4.99%
60 months
View
▼
APR4.99%
Term60 months
Last UpdatedMay 12, 2026
Details

As Low As

MERCK SHARP and DOHME
Institution Rating:
A+5.0 ★ Texas Ratio: 1.04%
New & Used Vehicle Loans
4.99%
Up to 60
View
▼
APR4.99%
TermUp to 60
Last UpdatedMay 12, 2026
Details

Allentown Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.11%
New/Used vehicle purchase
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedMay 12, 2026
Details

ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
NEW or USED vehicles
4.99%
37 - 48
View
▼
APR4.99%
Term37 - 48
Last UpdatedMay 12, 2026
Details

As Low As

G.A.P. Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Vehicle (2026, 2025)
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedMay 6, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedMay 6, 2026
Details

As Low As; 2022 or Newer

Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
New Auto 37 to 84 Months
5.00%
84 months
View
▼
APR5.00%
Term84 months
Last UpdatedMay 6, 2026
Details

72 months over $20,000 financed 84 months over $40,000 financed

Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
New Auto Up to 36 Months
5.00%
36 months
View
▼
APR5.00%
Term36 months
Last UpdatedMay 6, 2026
Details

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
10 S 2nd St, Reading, PA, 19602 1014
New & Used Auto Loans
5.19%
1 - 63
View
▼
APR5.19%
Term1 - 63
Last UpdatedMay 10, 2026
Details

As Low As

Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
10 S 2nd St, Reading, PA, 19602 1014
New & Used Auto Loans
5.39%
64 - 75
View
▼
APR5.39%
Term64 - 75
Last UpdatedMay 10, 2026
Details

As Low As

Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
10 S 2nd St, Reading, PA, 19602 1014
New & Used Auto Loans
5.44%
1 - 63
View
▼
APR5.44%
Term1 - 63
Last UpdatedMay 10, 2026
Details

As Low As

Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
10 S 2nd St, Reading, PA, 19602 1014
New & Used Auto Loans
5.64%
64 - 75
View
▼
APR5.64%
Term64 - 75
Last UpdatedMay 10, 2026
Details

As Low As

Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
10 S 2nd St, Reading, PA, 19602 1014
New & Used Auto Loans
5.79%
76 - 84
View
▼
APR5.79%
Term76 - 84
Last UpdatedMay 10, 2026
Details

As Low As

Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
10 S 2nd St, Reading, PA, 19602 1014
New & Used Auto Loans
5.94%
1 - 63
View
▼
APR5.94%
Term1 - 63
Last UpdatedMay 10, 2026
Details

As Low As

Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
10 S 2nd St, Reading, PA, 19602 1014
New & Used Auto Loans
6.04%
76 - 84
View
▼
APR6.04%
Term76 - 84
Last UpdatedMay 10, 2026
Details

As Low As

Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
10 S 2nd St, Reading, PA, 19602 1014
New & Used Auto Loans
6.14%
64 - 75
View
▼
APR6.14%
Term64 - 75
Last UpdatedMay 10, 2026
Details

As Low As

Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
10 S 2nd St, Reading, PA, 19602 1014
New & Used Auto Loans
6.54%
76 - 84
View
▼
APR6.54%
Term76 - 84
Last UpdatedMay 10, 2026
Details

As Low As

Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
10 S 2nd St, Reading, PA, 19602 1014
New & Used Auto Loans
6.79%
85 - 96
View
▼
APR6.79%
Term85 - 96
Last UpdatedMay 10, 2026
Details

As Low As

Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
10 S 2nd St, Reading, PA, 19602 1014
New & Used Auto Loans
7.04%
85 - 96
View
▼
APR7.04%
Term85 - 96
Last UpdatedMay 10, 2026
Details

As Low As

Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
10 S 2nd St, Reading, PA, 19602 1014
New & Used Auto Loans
7.54%
85 - 96
View
▼
APR7.54%
Term85 - 96
Last UpdatedMay 10, 2026
Details

As Low As

First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Autos 2026 - 2024
3.49%
Up to 40 Months
View
▼
APR3.49%
TermUp to 40 Months
Last UpdatedMay 6, 2026
Details

VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
Used Vehicle
3.49%
36 Months
View
▼
APR3.49%
Term36 Months
Last UpdatedMay 12, 2026
Details

2016-2019

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.50%
36 Months
View
▼
APR3.50%
Term36 Months
Last UpdatedMay 6, 2026
Details

As Low As; 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
View
▼
APR3.75%
Term12 Months
Last UpdatedMay 6, 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
View
▼
APR3.75%
Term12 Months
Last UpdatedMay 6, 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
View
▼
APR3.75%
Term12 Months
Last UpdatedMay 6, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.75%
48 Months
View
▼
APR3.75%
Term48 Months
Last UpdatedMay 6, 2026
Details

As Low As; All Years**

IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles
3.75%
48 Months
View
▼
APR3.75%
Term48 Months
Last UpdatedMay 7, 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
View
▼
APR3.79%
Term36 Months
Last UpdatedMay 12, 2026
Details

As Low As

Citymark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
Used Car
3.99%
96 Months
View
▼
APR3.99%
Term96 Months
Last UpdatedMay 7, 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
View
▼
APR3.99%
Term48 Months
Last UpdatedMay 7, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.00%
60 Months
View
▼
APR4.00%
Term60 Months
Last UpdatedMay 6, 2026
Details

As Low As; All Years**

IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles
4.00%
60 Months
View
▼
APR4.00%
Term60 Months
Last UpdatedMay 7, 2026
Details

As Low As

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.15%
3 Months
View
▼
APR4.15%
Term3 Months
Last UpdatedMay 7, 2026
Details

As Low As; 3 YEAR REPAY

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
View
▼
APR4.24%
Term24 Months
Last UpdatedMay 6, 2026
Details

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
View
▼
APR4.24%
TermUp to 36 Months
Last UpdatedMay 7, 2026
Details

As Low As

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.25%
4 Months
View
▼
APR4.25%
Term4 Months
Last UpdatedMay 7, 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
View
▼
APR4.25%
TermUp to 36 months
Last UpdatedMay 7, 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
View
▼
APR4.25%
Term72 Months
Last UpdatedMay 7, 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
View
▼
APR4.25%
TermUp to 36 months 80-90% NADA retail
Last UpdatedMay 10, 2026
Details

First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Autos 2026 - 2024
4.37%
41 - 52 months
View
▼
APR4.37%
Term41 - 52 months
Last UpdatedMay 6, 2026
Details

ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
NEW or USED vehicles
4.39%
up to 36
View
▼
APR4.39%
Termup to 36
Last UpdatedMay 12, 2026
Details

As Low As; w/ Auto Pay Discount

Choice One Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.55%
Used Car Loan
4.49%
84 Months
View
▼
APR4.49%
Term84 Months
Last UpdatedMay 6, 2026
Details

As Low As; With terms up to 84 months; *This rate includes the .25% discount with Auto Pay.

First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Autos
4.49%
Up to 52
View
▼
APR4.49%
TermUp to 52
Last UpdatedMay 6, 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
View
▼
APR4.49%
Term36 Months
Last UpdatedMay 6, 2026
Details

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
Used 2024 - 2025 Auto Loan
4.49%
24 Months
View
▼
APR4.49%
Term24 Months
Last UpdatedMay 10, 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
View
▼
APR4.49%
Term24 Months
Last UpdatedMay 10, 2026
Details

As Low As

ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
NEW or USED vehicles
4.49%
up to 36
View
▼
APR4.49%
Termup to 36
Last UpdatedMay 12, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedMay 6, 2026
Details

As Low As; 2020 or Newer**

Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Autos 2022 and newer
4.50%
48 - 60 months
View
▼
APR4.50%
Term48 - 60 months
Last UpdatedMay 7, 2026
Details

80-90% NADA retail

Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★
Used Autos 2021 and newer
4.50%
48 to 60 months 80-90% NADA retail
View
▼
APR4.50%
Term48 to 60 months 80-90% NADA retail
Last UpdatedMay 10, 2026
Details

Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
New & Used Auto Loans (2020 and Newer)
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedMay 10, 2026
Details

FICO Score 750+

VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
Used Vehicle
4.50%
60 Months
View
▼
APR4.50%
Term60 Months
Last UpdatedMay 12, 2026
Details

2022 - NEWER

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
Used 2024 - 2025 Auto Loan
4.64%
36 Months
View
▼
APR4.64%
Term36 Months
Last UpdatedMay 10, 2026
Details

As Low As

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
Used 2024 - 2025 Auto Loans
4.64%
36 Months
View
▼
APR4.64%
Term36 Months
Last UpdatedMay 10, 2026
Details

As Low As

Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.48%
Used Vehicle Loan
4.69%
36 Months
View
▼
APR4.69%
Term36 Months
Last UpdatedMay 10, 2026
Details

Some Restrictions Apply Vehicles 2017 or newer

Lehigh Valley Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
Used Auto Loan
4.69%
36 Months
View
▼
APR4.69%
Term36 Months
Last UpdatedMay 10, 2026
Details

As Low As

Fayette County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Vehicles 2026, 2025, 2024
4.70%
36 Months
View
▼
APR4.70%
Term36 Months
Last UpdatedMay 10, 2026
Details

First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Autos 2026 - 2024
4.74%
53 - 64 months
View
▼
APR4.74%
Term53 - 64 months
Last UpdatedMay 6, 2026
Details

Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
Used Auto Loans Model Years 2021-2023
4.74%
up to 60 months
View
▼
APR4.74%
Termup to 60 months
Last UpdatedMay 7, 2026
Details

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.75%
5 Months
View
▼
APR4.75%
Term5 Months
Last UpdatedMay 7, 2026
Details

As Low As; 5 YEAR REPAY

IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles
4.75%
84 Months
View
▼
APR4.75%
Term84 Months
Last UpdatedMay 7, 2026
Details

As Low As

Altoona Area Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
Used Auto Loans
4.75%
61-72 months
View
▼
APR4.75%
Term61-72 months
Last UpdatedMay 7, 2026
Details

Altoona Area Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
Used Auto Loans
4.75%
Up to 60 months
View
▼
APR4.75%
TermUp to 60 months
Last UpdatedMay 7, 2026
Details

First Capital Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
Used Vehicles
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedMay 7, 2026
Details

First Capital Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
Used Vehicles Auto Loans
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedMay 7, 2026
Details

As Low As

Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
New & Used Auto Loans (2020 and Newer)
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedMay 10, 2026
Details

FICO Score 750+

Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
Used Auto Loan (2019 and Older)
4.75%
36 Months
View
▼
APR4.75%
Term36 Months
Last UpdatedMay 10, 2026
Details

FICO Score 750+

VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
Used Vehicle
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedMay 12, 2026
Details

2022 - NEWER**

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
Used 2024 - 2025 Auto Loan
4.79%
48 Months
View
▼
APR4.79%
Term48 Months
Last UpdatedMay 10, 2026
Details

As Low As

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
Used 2024 - 2025 Auto Loans
4.79%
48 Months
View
▼
APR4.79%
Term48 Months
Last UpdatedMay 10, 2026
Details

As Low As

Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Car 2027-2024 Model Year
4.87%
48 Months
View
▼
APR4.87%
Term48 Months
Last UpdatedMay 6, 2026
Details

Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.48%
Used Vehicle Loan
4.89%
48 Months
View
▼
APR4.89%
Term48 Months
Last UpdatedMay 10, 2026
Details

Some Restrictions Apply Vehicles 2017 or newer

USX
Institution Rating:
A+5.0 ★ Texas Ratio: 5.49%
New and Used Vehicles Model years 2026-2025-2024-2023
4.89%
Up to 48
View
▼
APR4.89%
TermUp to 48
Last UpdatedMay 12, 2026
Details

ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
NEW or USED vehicles
4.89%
37 - 48
View
▼
APR4.89%
Term37 - 48
Last UpdatedMay 12, 2026
Details

As Low As; w/ Auto Pay Discount

P&G Mehoopany Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
New and Used Auto Loan
4.90%
Up to 96 Months
View
▼
APR4.90%
TermUp to 96 Months
Last UpdatedMay 7, 2026
Details

Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
Used Auto Loans Model Years 2021-2023
4.94%
72 months
View
▼
APR4.94%
Term72 months
Last UpdatedMay 7, 2026
Details

Bethlehem 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
Used Vehicles (2019-2025)
4.99%
1-4 Years
View
▼
APR4.99%
Term1-4 Years
Last UpdatedMay 6, 2026
Details

As Low As

Top Tier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.44%
New & Used Auto (2026-2023)
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedMay 6, 2026
Details

As Low As

Upper Darby Bell Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
Used Car Loans (Model Year 2019 - 2025)
4.99%
24 months
View
▼
APR4.99%
Term24 months
Last UpdatedMay 6, 2026
Details

As Low As

United Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Used Automobile (2025-2023 Model Years)
4.99%
60 Mos
View
▼
APR4.99%
Term60 Mos
Last UpdatedMay 6, 2026
Details

As Low As

First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Autos
4.99%
53 - 64
View
▼
APR4.99%
Term53 - 64
Last UpdatedMay 6, 2026
Details

First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Autos 2026 - 2024
4.99%
65 - 76 months
View
▼
APR4.99%
Term65 - 76 months
Last UpdatedMay 6, 2026
Details

CACL Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.30%
Older Used Vehicle
4.99%
24 Months
View
▼
APR4.99%
Term24 Months
Last UpdatedMay 6, 2026
Details

CACL Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.30%
Used Vehicle
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedMay 6, 2026
Details

Visionary Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.88%
Used Vehicle - 2021 - 2023
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 7, 2026
Details

As Low As

Visionary Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.88%
Used Vehicle - 2024 - 2026
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 7, 2026
Details

As Low As

UFCW Local 1776 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
Used Vehicles
4.99%
5 Months
View
▼
APR4.99%
Term5 Months
Last UpdatedMay 7, 2026
Details

As Low As; (2023 - 2026) * For Qualified Buyer

Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Autos 2022 and newer
4.99%
Up to 72 months
View
▼
APR4.99%
TermUp to 72 months
Last UpdatedMay 7, 2026
Details

80-90% NADA retail

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
USED Auto Loan
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedMay 7, 2026
Details

As Low As

Pennsylvania American Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
NEW OR USED VEHICLE LOANS (2024-2026)
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedMay 7, 2026
Details

Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
66-Month Used Auto Loan
4.99%
66 Months
View
▼
APR4.99%
Term66 Months
Last UpdatedMay 7, 2026
Details

As Low As

Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
Used Auto (2015 or newer)
4.99%
48 months
View
▼
APR4.99%
Term48 months
Last UpdatedMay 7, 2026
Details

Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
Used Auto (2017 or newer)
4.99%
66 months
View
▼
APR4.99%
Term66 months
Last UpdatedMay 7, 2026
Details

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 7, 2026
Details

As Low As

Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★
Used Autos 2021 and newer
4.99%
Up to 72 months 80-90% NADA retail
View
▼
APR4.99%
TermUp to 72 months 80-90% NADA retail
Last UpdatedMay 10, 2026
Details

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
Used 2024 - 2025 Auto Loan
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 10, 2026
Details

As Low As

Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
Used 2024 - 2025 Auto Loans
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 10, 2026
Details

As Low As

Lehigh Valley Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
Used Auto Loan
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedMay 10, 2026
Details

As Low As

Omega Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
Used Auto Loans
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 12, 2026
Details

As Low As

MERCK SHARP and DOHME
Institution Rating:
A+5.0 ★ Texas Ratio: 1.04%
New & Used Vehicle Loans
4.99%
Up to 60
View
▼
APR4.99%
TermUp to 60
Last UpdatedMay 12, 2026
Details

Allentown Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.11%
New/Used vehicle purchase
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedMay 12, 2026
Details

ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
NEW or USED vehicles
4.99%
37 - 48
View
▼
APR4.99%
Term37 - 48
Last UpdatedMay 12, 2026
Details

As Low As

FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.41%
Used Auto Loan
5.00%
60 Months
View
▼
APR5.00%
Term60 Months
Last UpdatedMay 6, 2026
Details

Elliott Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
used vehicle rate
5.00%
24 months
View
▼
APR5.00%
Term24 months
Last UpdatedMay 6, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedMay 6, 2026
Details

As Low As; 2022 or Newer

Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
Used Auto: 2024-2026 Model Years
5.00%
84 months
View
▼
APR5.00%
Term84 months
Last UpdatedMay 6, 2026
Details

72 months over $20,000 financed 84 months over $40,000 financed

Reading, PA Auto Loan Rate Trends

Compare local Reading, 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.

View Full Pennsylvania Auto Trends →
New Auto Loan — PA Avg
5.568%
▼ 0.017 vs 7 days ago

Pennsylvania new auto rates fell 0.017 points over the past 7 days to 5.568% APR.

Used Auto Loan — PA Avg
7.736%
▼ 0.019 vs 7 days ago

Pennsylvania used auto rates fell 0.019 points over the past 7 days to 7.736% APR.

As of May 15, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about Auto Loans in Reading, 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 Reading, 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 Reading, 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 Reading, Pennsylvania?

Based on our current data, some of the lowest auto loan rates available in Reading, Pennsylvania include:
  • Diamond Credit Union: 4.89% (Auto Loan)
  • Members 1st Federal Credit Union Enola, PA: 4.94% (Auto Loan 12 Months)
  • Pennsylvania State Employees Credit Union: 5.19% (New & Used Auto Loans)
  • Reading Berks School Employees Credit Union: 5.50% (New Vehicle Loan)
  • Corner Post Federal Credit Union: 2.75% (New Vehicles)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Reading, Pennsylvania. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 12, 2026

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