Wilkes Barre, PA Best Auto Loan Rates - September 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Current auto loan rates in Wilkes Barre, Pennsylvania include Corner Post Federal Credit UnionCorner Post Federal Credit Union566 S Main St, Wilkes Barre, PA, 18701 2102A+5.0 ★Texas Ratio: 0.59% offering New Vehicles Loan at 3.25%, VANTAGE TRUSTVANTAGE TRUST247 WILKES BARRE TOWNSHIP BLVD, WILKES BARRE, PA, 18702 6705A+5.0 ★Texas Ratio: 4.93% offering New Vehicle Loan at 3.49%, Citymark Federal Credit UnionCitymark Federal Credit Union40 E Market St, Wilkes Barre, PA, 18711A+5.0 ★Texas Ratio: 4.07% offering New Car Loan at 3.99%, Cross Valley Federal Credit UnionCross Valley Federal Credit Union640 Baltimore Dr, Wilkes Barre, PA, 18702 7943A+5.0 ★Texas Ratio: 2.91% offering New / Used 2021-2026 Auto Loan at 4.19%, Choice One Community Federal Credit UnionChoice One Community Federal Credit Union101 Hazle St, Wilkes Barre, PA, 18702 4305A-5.0 ★Texas Ratio: 14.31% offering New Car Loan at 4.39%. Auto loan rates as of September 22, 2026 according to verified data from MonitorBankRates.
Wilkes Barre has 10 local institutions in our database, with auto loan rates as low as 3.25% APR from Corner Post Federal Credit Union at 566 S Main St, Wilkes Barre, PA, 18701 2102. 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 Wilkes Barre, Pennsylvania. Auto Loan Rates Last Updated and Verified: September 22, 2026
Compare Auto Loan Rates Today in Wilkes Barre, Pennsylvania & Surrounding Area
Wilkes Barre Auto Loan Rates
APR*
APR*
Published APR range: 3.490% - 8.990%. Zero Down Payment
Published APR range: 3.490% - 9.240%. Zero Down Payment
APR*
APR*
APR range: 3.50% - 9.00% APR*
APR*
APR*
APR*
APR range: 3.75% - 9.50% APR*
APR*
As low as; (based on credit score)
As low as; (based on credit score); Loan Amount: Up to 125% of the NADA value.
APR*
APR*
APR range: 4.00% - 10.00% APR*
APR*
Published APR range: 4.000% - 10.250%. Zero Down Payment
APR*
APR*
APR*
As Low As; This rate includes the .25% discount for Auto Pay.
As Low As; This rate includes the .25% discount with Auto Pay.
As Low As; This rate includes the .25% discount with Auto Pay.
APR*
APR*
Published APR range: 4.500% - 10.750%. Zero Down Payment
Published APR range: 4.500% - 10.750%. 2022 - NEWER
APR*
Published APR range: 4.750% - 11.000%. 2022 - NEWER**
APR based on 60 months and $45,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
APR based on 60 months and $30,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
Model Year: 2026-2025
Model Year: 2025-2024
Model Year: 2023
Model Year: 2026-2025
Model Year: 2025-2024
Model Year: 2022
Model Year: 2023
Model Year: 2022
Model Year: 2026-2025
Model Year: 2025-2024
Model Year: 2023
Lowest APR available on approved credit. Your actual APR may vary. The APR is based on borrower credit profile (as reported to NBT Bank by an outside reporting agency), collateral type, loan amount, term, lien position, and loan to value ratio. APR shown is current as of 09/18/2026 and is subject to change. Rates assume payments will be automatically deducted from an NBT Bank checking or money market account. Add .50% to the rate if the automatic payment feature is not selected. To qualify for this rate, the minimum loan amount is $5,000, minimum credit score is 730, and maximum term is 48 months. Call 800-628-2265 for the actual APR for your loan. NBT Bank loans are only available in Connecticut, Maine, Massachusetts, New Hampshire, New York, Pennsylvania and Vermont. On a $15,000 loan, the payment would be $364.58 per month for 48 months with a 7.77% APR.
Lowest APR available on approved credit. Your actual APR may vary. The APR is based on borrower credit profile (as reported to NBT Bank by an outside reporting agency), collateral type, loan amount, term, lien position, and loan to value ratio. APR shown is current as of 09/18/2026 and is subject to change. Rates assume payments will be automatically deducted from an NBT Bank checking or money market account. Add .50% to the rate if the automatic payment feature is not selected. To qualify for this rate, the minimum loan amount is $5,000, minimum credit score is 730, and maximum term is 48 months. Call 800-628-2265 for the actual APR for your loan. NBT Bank loans are only available in Connecticut, Maine, Massachusetts, New Hampshire, New York, Pennsylvania and Vermont. On a $15,000 loan, the payment would be $364.58 per month for 48 months with a 7.77% APR.
As Low As; This rate includes the .25% discount with Auto Pay.
As Low As; Older Vehicles 2017 OR OLDER; This rate includes the .25% discount with Auto Pay.
with autopay from a United checking account.
As low as; 2023 & newer; with less than 45,000 miles and valued at $15,000 or more
As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
As low as; Model Year: 2026-2025
2023 & newer; As low as
As low as; Model Year: 2026-2025
As Low As
Model Year: 2026 - 2024
2023 & newer; As low as
As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
As low as
Published rate range: 3.75%-12.80%.
Published rate range: 3.75%-12.75%.
New vehicle can be financed up to 84 Months. Used vehicle can be financed up to 72 Months. Certain limitations may apply.
Published APR range: 3.75%-11.70%.
as low as 3.75% with Relationship Rewards Example Payment Disclosure: To finance an auto loan of $15,000 at 4.75% APR for 36 months with $0.00 down payment would be a payment of $447.88 per month
As Low As
As Low As
As Low As
As Low As; Fixed
As Low As; Fixed
2023 & newer; As low as
2018-2022; As low as
Model Years 2024-2026
As Low As; New Vehicles
New Vehicle (2025- 2026)
New Vehicle (2025- 2026)
New Vehicle (2025- 2026)
Used Vehicle (2018 - 2025)
Used Vehicle (2018 - 2025)
Used Vehicle (2018 - 2025)
Rate: 3.990%; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
Rate: 3.990%; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
Rate: 3.990%; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
Rate: 3.990%; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
Minimum loan amount for this offer is $20,000.00. Minimum credit score of 650. Offer valid on new money only and cannot be used on existing First Capital Federal Credit Union loans. Valid on automobile and motorcycle purchases only. Maximum Loan to Value (LTV) on 72 Month Term will be 115%. Additional restrictions may apply. Effective August 1 - September 30, 2026.
As low as 3.99% APR for terms up to 66 months. Loan amount must be $3,000 or greater. You must meet employment and/or income requirements to qualify for a loan. The interest rate you receive will be based on your credit history, loan term, and age of the vehicle. APR will not be less than 3.99% or greater than 17.90%. For example, a loan amount of $20,000 at 3.99% APR for 60 months would be a monthly payment of $368.87. Satisfactory vehicle insurance required. Your actual loan amount will be limited based on the value of the specific vehicle that you are financing. Only passenger vehicles are eligible, no recreational vehicles. Existing Freedom Loans are not eligible for refinancing. Credit Union membership eligibility requirements apply. Loan term cannot be less than 6 months or greater than 84 months. Rates are subject to change without notice.
Model Year: 2025 - 2027; As Low As; Rate: 3.99% apr*
Model Year: 2025 - 2027; As Low As; Rate: 3.99% apr*
As Low As; Auto Pay Discount: 3.89%
As Low As
Credit Grade: A+
Credit Grade: A+
As low as; Model Year: 2026-2025
Published APR range: 4.00 - 6.00%.
Published rate range: 4.00%-13.50%.
Credit Score: A; Never Been Titled
Published APR range: 4.00% - 6.00%.
New, Used or Refinance as low as. APR is Annual Percentage Rate. Click for details.
Vehicle Model Years: All Years**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
As Low As
Additional APR listed for this product: 6.40%. Rates as Low as*
As Low As; 2025 to 2026
Model Year: 2021 - 2026; Mileage: <50,0000 miles
Model Year: 2021 - 2026; Mileage: <50,0000 miles
Model Year: 2021 - 2026; Mileage: <50,0000 miles
Model Year: 2021 - 2026; Mileage: <50,0000 miles
As Low As; Minimum Loan Amount - $15,000
As Low As; Minimum Loan Amount - $15,000
APR=Annual Percentage Rate. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness and terms of loan. Rates displayed above include a 0.50% rate discount for automatic payments out of an active WBVFCU account and a monthly direct deposit. Must take $2,500 in new money on all in-house refinances. New current year untitled vehicles can be financed for up to 84 months. Financing is determined using 125% of the NADA retail and loan value including tax, title and transfer. Rates and eligibility are based on your credit report.
minimum $20,000
Model Year 2027-2024; Credit Score between 660 and 719; Min. value of car $15,000
Model Years 2024-2026
As Low As; Lowest rates are for qualified applicants and dependent on opening and maintaining an active UECU Checking Account (excluding Green Light CheckingTM) with at least one transaction per month. Rates will vary based on an evaluation of credit, term, loan to value, and/or collateral evaluation if applicable. Not all applicants will quality. Actual rate may differ. Share Secured Loan is 100% secured by funds in your share savings account. Other fees, terms, and conditions may apply for each loan type. Information provided herein is subject to change without notice.
As Low As; Auto Pay Discount: 4.14%
Financing %: 100%* (New)
As Low As
Credit Grade: A+
2018-2022; As low as
As Low As; 2025 to 2026
Published APR range: 4.25 - 6.25%. 80-90% NADA retail
Fair Isaac Risk Score: 725-850
As low as; Add .5% for 72 months for qualifying vehicles; Add 1.00% for 84 months for qualifying vehicles
Published rate range: 4.25%-12.50%.
Term: Up to 36 months 80-90% NADA retail; Published APR range: 4.25% - 6.25%.
As low as*
Additional discounts may apply
Model Year: 2026 - 2024
Rates as low as:
Additional APR listed for this product: 6.65%. Rates as Low as*
Model Year: 2021 - 2026; Mileage: <50,0000 miles
Model Year: 2021 - 2026; Mileage: > 50,000 Miles
Model Year: 2021 - 2026; Mileage: > 50,000 Miles
Model Year: 2021 - 2026; Mileage: > 50,000 Miles
Model Year: 2021 - 2026; Mileage: > 50,000 Miles
As Low As; New 2026 & 2025 (Includes motorcycles)
Term: Up to 84 Months (minimum $20,000); minimum $20,000
APR=Annual Percentage Rate. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness and terms of loan. Rates displayed above include a 0.50% rate discount for automatic payments out of an active WBVFCU account and a monthly direct deposit. Must take $2,500 in new money on all in-house refinances. New current year untitled vehicles can be financed for up to 84 months. Financing is determined using 125% of the NADA retail and loan value including tax, title and transfer. Rates and eligibility are based on your credit report.
Model Year: 2023 - 2022
Model Year 2027-2024; Credit Score between 660 and 719; Min. value of car $15,000
Published APR range: As low as 4.49%; Published rate range: As low as 4.49%. 36 months
Published APR range: As low as 4.49%; Published rate range: As low as 4.49%. 48 months
Published APR range: As low as 4.49%; Published rate range: As low as 4.49%. 60 months
As Low As; Tier 1 710
As low as; Minimum credit score for applicant is 620. Add 1.0 basis points if lower score approved. Possible extended term of up to 6 months---add .50 basis points. Not to exceed 72 months.
As Low As; **
As Low As; **
2023 & newer; As low as
Model Years 2024-2026
Model Years 2021-2023
Either 100% of NADA retail value, or the purchase price - whichever is lower.
Amount Financed: Either 100% of NADA retail value (plus or minus for mileage), or the purchase price - whichever is lower.; Model Year: 2024 - 2025
As low as*
As Low As; Model Year: New 2026 - 2024
As Low As; Model Year: New 2026 - 2024
As Low As; Model Year: New 2026 - 2024
Wilkes Barre New Auto Auto Loan Rates
APR*
APR*
Published APR range: 3.490% - 8.990%. Zero Down Payment
Published APR range: 3.490% - 9.240%. Zero Down Payment
APR*
APR*
As low as; (based on credit score)
APR*
Published APR range: 4.000% - 10.250%. Zero Down Payment
APR*
As Low As; This rate includes the .25% discount for Auto Pay.
As Low As; This rate includes the .25% discount with Auto Pay.
Published APR range: 4.500% - 10.750%. Zero Down Payment
APR based on 60 months and $45,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
Model Year: 2026-2025
Model Year: 2026-2025
Model Year: 2026-2025
Lowest APR available on approved credit. Your actual APR may vary. The APR is based on borrower credit profile (as reported to NBT Bank by an outside reporting agency), collateral type, loan amount, term, lien position, and loan to value ratio. APR shown is current as of 09/18/2026 and is subject to change. Rates assume payments will be automatically deducted from an NBT Bank checking or money market account. Add .50% to the rate if the automatic payment feature is not selected. To qualify for this rate, the minimum loan amount is $5,000, minimum credit score is 730, and maximum term is 48 months. Call 800-628-2265 for the actual APR for your loan. NBT Bank loans are only available in Connecticut, Maine, Massachusetts, New Hampshire, New York, Pennsylvania and Vermont. On a $15,000 loan, the payment would be $364.58 per month for 48 months with a 7.77% APR.
As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
As Low As
As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
As low as
Published rate range: 3.75%-12.80%.
Published rate range: 3.75%-12.75%.
New vehicle can be financed up to 84 Months. Used vehicle can be financed up to 72 Months. Certain limitations may apply.
Published APR range: 3.75%-11.70%.
Model Years 2024-2026
As Low As; New Vehicles
New Vehicle (2025- 2026)
New Vehicle (2025- 2026)
New Vehicle (2025- 2026)
As Low As; Auto Pay Discount: 3.89%
As Low As
Credit Grade: A+
Credit Grade: A+
Published APR range: 4.00 - 6.00%.
Published rate range: 4.00%-13.50%.
Credit Score: A; Never Been Titled
Published APR range: 4.00% - 6.00%.
Vehicle Model Years: All Years**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
As Low As
Additional APR listed for this product: 6.40%. Rates as Low as*
As Low As; 2025 to 2026
As Low As; Minimum Loan Amount - $15,000
Model Year 2027-2024; Credit Score between 660 and 719; Min. value of car $15,000
Model Years 2024-2026
As Low As; Auto Pay Discount: 4.14%
Financing %: 100%* (New)
As Low As
Credit Grade: A+
As Low As; 2025 to 2026
Published APR range: 4.25 - 6.25%. 80-90% NADA retail
Fair Isaac Risk Score: 725-850
As low as; Add .5% for 72 months for qualifying vehicles; Add 1.00% for 84 months for qualifying vehicles
Published rate range: 4.25%-12.50%.
Term: Up to 36 months 80-90% NADA retail; Published APR range: 4.25% - 6.25%.
Rates as low as:
Additional APR listed for this product: 6.65%. Rates as Low as*
As Low As; New 2026 & 2025 (Includes motorcycles)
Model Year 2027-2024; Credit Score between 660 and 719; Min. value of car $15,000
Published APR range: As low as 4.49%; Published rate range: As low as 4.49%. 36 months
Published APR range: As low as 4.49%; Published rate range: As low as 4.49%. 48 months
Published APR range: As low as 4.49%; Published rate range: As low as 4.49%. 60 months
As Low As; Tier 1 710
As low as; Minimum credit score for applicant is 620. Add 1.0 basis points if lower score approved. Possible extended term of up to 6 months---add .50 basis points. Not to exceed 72 months.
As Low As; **
As Low As; **
Model Years 2024-2026
Either 100% of NADA retail value, or the purchase price - whichever is lower.
As Low As; Model Year: New 2026 - 2024
As Low As; Model Year: New 2026 - 2024
As Low As; Model Year: New 2026 - 2024
Wilkes Barre Used Auto Auto Loan Rates
APR*
APR range: 3.50% - 9.00% APR*
APR*
APR*
APR range: 3.75% - 9.50% APR*
APR*
As low as; (based on credit score); Loan Amount: Up to 125% of the NADA value.
APR*
APR range: 4.00% - 10.00% APR*
APR*
APR*
APR*
As Low As; This rate includes the .25% discount with Auto Pay.
As Low As; This rate includes the .25% discount with Auto Pay.
APR*
APR*
Published APR range: 4.500% - 10.750%. 2022 - NEWER
APR*
Published APR range: 4.750% - 11.000%. 2022 - NEWER**
APR based on 60 months and $30,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
Model Year: 2025-2024
Model Year: 2023
Model Year: 2025-2024
Model Year: 2022
Model Year: 2023
Model Year: 2022
Model Year: 2025-2024
Model Year: 2023
Lowest APR available on approved credit. Your actual APR may vary. The APR is based on borrower credit profile (as reported to NBT Bank by an outside reporting agency), collateral type, loan amount, term, lien position, and loan to value ratio. APR shown is current as of 09/18/2026 and is subject to change. Rates assume payments will be automatically deducted from an NBT Bank checking or money market account. Add .50% to the rate if the automatic payment feature is not selected. To qualify for this rate, the minimum loan amount is $5,000, minimum credit score is 730, and maximum term is 48 months. Call 800-628-2265 for the actual APR for your loan. NBT Bank loans are only available in Connecticut, Maine, Massachusetts, New Hampshire, New York, Pennsylvania and Vermont. On a $15,000 loan, the payment would be $364.58 per month for 48 months with a 7.77% APR.
As Low As; Older Vehicles 2017 OR OLDER; This rate includes the .25% discount with Auto Pay.
Model Year: 2026 - 2024
Published rate range: 3.75%-12.80%.
Published rate range: 3.75%-12.75%.
New vehicle can be financed up to 84 Months. Used vehicle can be financed up to 72 Months. Certain limitations may apply.
As Low As
Used Vehicle (2018 - 2025)
Used Vehicle (2018 - 2025)
Used Vehicle (2018 - 2025)
Rate: 3.990%; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
Rate: 3.990%; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
Rate: 3.990%; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
Rate: 3.990%; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
As Low As; Auto Pay Discount: 3.89%
Credit Grade: A+
Credit Grade: A+
Published rate range: 4.00%-13.50%.
Vehicle Model Years: All Years**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
As Low As; 2025 to 2026
As Low As; Minimum Loan Amount - $15,000
Model Year 2027-2024; Credit Score between 660 and 719; Min. value of car $15,000
As Low As; Auto Pay Discount: 4.14%
Credit Grade: A+
As Low As; 2025 to 2026
Published APR range: 4.25 - 6.25%. 80-90% NADA retail
Published rate range: 4.25%-12.50%.
Term: Up to 36 months 80-90% NADA retail; Published APR range: 4.25% - 6.25%.
Model Year: 2026 - 2024
Model Year: 2023 - 2022
Model Year 2027-2024; Credit Score between 660 and 719; Min. value of car $15,000
Model Years 2021-2023
Wilkes Barre, PA Auto Loan Rate Trends
Compare local Wilkes Barre, PA auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Pennsylvania new auto rates fell 0.251 points over the past 7 days to 6.019% APR.
Pennsylvania used auto rates fell 0.351 points over the past 7 days to 7.190% APR.
Wilkes Barre, PA Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Pennsylvania figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Pennsylvania APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 6.02% APR PA average | Used Auto @ 7.19% APR PA average | Monthly Difference |
|---|---|---|---|
| $15,000 | $290.12/mo | $298.37/mo | $8.25/mo |
| $25,000 | $483.54/mo | $497.28/mo | $13.74/mo |
| $35,000 | $676.95/mo | $696.19/mo | $19.24/mo |
| $45,000 | $870.37/mo | $895.10/mo | $24.74/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in Wilkes Barre, Pennsylvania
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Wilkes Barre, Pennsylvania locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Pennsylvania. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
- Saving up for a bigger down payment: park it in a Wilkes Barre, Pennsylvania high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Wilkes Barre, Pennsylvania CD rates lock in a guaranteed return until you’re ready to buy
Pennsylvania Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau (state-level data shown; city data not available)
A $580 monthly car payment works out to roughly 14.9% of the median individual income in Pennsylvania. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15–20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Wilkes Barre, Pennsylvania, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1–3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0–2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Wilkes Barre, Pennsylvania. We’ve prefilled the APR with today’s PA new-auto average, or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Wilkes Barre, 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 Wilkes Barre, 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 Wilkes Barre, Pennsylvania. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in PA.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Wilkes Barre, Pennsylvania
How does my credit score affect my car loan rate in Pennsylvania?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
Should I get preapproved for an auto loan before visiting a dealer in Wilkes Barre, Pennsylvania?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
What are the best Auto Loan rates in Wilkes Barre, Pennsylvania?
- Corner Post Federal Credit Union: 3.25% (New Vehicles Loan)
- VANTAGE TRUST: 3.49% (New Vehicle Loan)
- Citymark Federal Credit Union: 3.99% (New Car Loan)
- Cross Valley Federal Credit Union: 4.19% (New / Used 2021-2026 Auto Loan)
- Choice One Community Federal Credit Union: 4.39% (New Car Loan)
Wilkes Barre, Pennsylvania Rates & Resources
