Auto Loan Rates in Bethlehem, Pennsylvania (PA) for June 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
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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 Bethlehem, Pennsylvania. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Bethlehem, Pennsylvania include Bethlehem 1st Federal Credit UnionBethlehem 1st Federal Credit Union2317 Easton Ave, Bethlehem, PA, 18017 5009A+5.0 ★Texas Ratio: 1.58% offering New Vehicle Loan at 4.99%, First Commonwealth Federal Credit UnionFirst Commonwealth Federal Credit Union5500 Crawford Dr, Bethlehem, PA, 18017 8797A5.0 ★Texas Ratio: 8.65% offering Auto Loan - New at 4.99%, Allentown Federal Credit UnionAllentown Federal Credit Union801 Ostrum St, Bethlehem, PA, 18015A5.0 ★Texas Ratio: 9.00% offering Car Loans at 4.99%, Members 1st Federal Credit Union Enola, PAMembers 1st Federal Credit Union Enola, PA2200 Emrick Blvd, Bethlehem, PA, 18020A+5.0 ★Texas Ratio: 4.86% offering Auto Loan at 5.09%, Pennsylvania State Employees Credit UnionPennsylvania State Employees Credit Union113 Research Dr, Bethlehem, PA, 18015 4731A+5.0 ★Texas Ratio: 5.00% offering New & Used Auto Loans at 5.19%. Auto loan rates as of June 16, 2026 according to verified data from MonitorBankRates.
Bethlehem has 6 local institutions in our database, with auto loan rates as low as 4.99% APR from Bethlehem 1st Federal Credit Union at 2317 Easton Ave, Bethlehem, PA, 18017 5009. 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 Bethlehem, Pennsylvania. Auto Loan Rates Last Updated and Verified: June 16, 2026
Compare Auto Loan Rates Today in Bethlehem, Pennsylvania & Surrounding Area
Bethlehem Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Bethlehem 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
2317 Easton Ave, Bethlehem, PA, 18017 5009
New Vehicle Loan
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedJun 16, 2026
Details
APR as low as; *
Bethlehem 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
2317 Easton Ave, Bethlehem, PA, 18017 5009
Used Vehicles (2019-2025) Loan
4.99%
1-4 Years
▼
APR4.99%
Term1-4 Years
Last UpdatedJun 16, 2026
Details
APR as low as; **
First Commonwealth Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.65%
5500 Crawford Dr, Bethlehem, PA, 18017 8797
Auto Loan - New
4.99%
36-Months
▼
APR4.99%
Term36-Months
Last UpdatedJun 16, 2026
Details
As Low As
Allentown Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.00%
801 Ostrum St, Bethlehem, PA, 18015
Car Loans
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedJun 16, 2026
Details
Allentown Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.00%
801 Ostrum St, Bethlehem, PA, 18015
New/Used vehicle purchase Loan
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedJun 16, 2026
Details
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.86%
2200 Emrick Blvd, Bethlehem, PA, 18020
Auto Loan
5.09%
12 Months
▼
APR5.09%
Term12 Months
Last UpdatedJun 16, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
113 Research Dr, Bethlehem, PA, 18015 4731
New & Used Auto Loans
5.19%
1 - 63 Months
▼
APR5.19%
Term1 - 63 Months
Last UpdatedJun 16, 2026
Details
As Low As; Vehicle Value (Minimum): $3,000.00; Loan Amount (Minimum): $1,000.00
Allentown Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.00%
801 Ostrum St, Bethlehem, PA, 18015
Car Loans
5.25%
48 months
▼
APR5.25%
Term48 months
Last UpdatedJun 16, 2026
Details
Allentown Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.00%
801 Ostrum St, Bethlehem, PA, 18015
New/Used vehicle purchase Loan
5.25%
48 months
▼
APR5.25%
Term48 months
Last UpdatedJun 16, 2026
Details
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
113 Research Dr, Bethlehem, PA, 18015 4731
New & Used Auto Loans
5.39%
64 - 75 Months
▼
APR5.39%
Term64 - 75 Months
Last UpdatedJun 16, 2026
Details
As Low As; Vehicle Value (Minimum): $12,000.00; Loan Amount (Minimum): $4,000.00
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
113 Research Dr, Bethlehem, PA, 18015 4731
New & Used Auto Loans
5.44%
1 - 63 Months
▼
APR5.44%
Term1 - 63 Months
Last UpdatedJun 16, 2026
Details
As Low As
Bethlehem 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
2317 Easton Ave, Bethlehem, PA, 18017 5009
New Vehicle Loan
5.49%
5 Years
▼
APR5.49%
Term5 Years
Last UpdatedJun 16, 2026
Details
APR as low as; *
Allentown Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.00%
801 Ostrum St, Bethlehem, PA, 18015
Car Loans
5.50%
72 months
▼
APR5.50%
Term72 months
Last UpdatedJun 16, 2026
Details
Allentown Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.00%
801 Ostrum St, Bethlehem, PA, 18015
New/Used vehicle purchase Loan
5.50%
72 months
▼
APR5.50%
Term72 months
Last UpdatedJun 16, 2026
Details
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
113 Research Dr, Bethlehem, PA, 18015 4731
New & Used Auto Loans
5.64%
64 - 75 Months
▼
APR5.64%
Term64 - 75 Months
Last UpdatedJun 16, 2026
Details
As Low As
Bethlehem 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
2317 Easton Ave, Bethlehem, PA, 18017 5009
New Vehicle Loan
5.74%
6 Years
▼
APR5.74%
Term6 Years
Last UpdatedJun 16, 2026
Details
APR as low as; *
Bethlehem 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
2317 Easton Ave, Bethlehem, PA, 18017 5009
Used Vehicles (2019-2025) Loan
5.74%
5 Years
▼
APR5.74%
Term5 Years
Last UpdatedJun 16, 2026
Details
APR as low as; **
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
113 Research Dr, Bethlehem, PA, 18015 4731
New & Used Auto Loans
5.79%
76 - 84 Months
▼
APR5.79%
Term76 - 84 Months
Last UpdatedJun 16, 2026
Details
As Low As; Vehicle Value (Minimum): $20,000.00; Loan Amount (Minimum): $6,000.00
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
113 Research Dr, Bethlehem, PA, 18015 4731
New & Used Auto Loans
5.94%
1 - 63 Months
▼
APR5.94%
Term1 - 63 Months
Last UpdatedJun 16, 2026
Details
As Low As; Vehicle Value (Minimum): $3,000.00; Loan Amount (Minimum): $1,000.00
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
113 Research Dr, Bethlehem, PA, 18015 4731
New & Used Auto Loans
6.04%
76 - 84 Months
▼
APR6.04%
Term76 - 84 Months
Last UpdatedJun 16, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
113 Research Dr, Bethlehem, PA, 18015 4731
New & Used Auto Loans
6.14%
64 - 75 Months
▼
APR6.14%
Term64 - 75 Months
Last UpdatedJun 16, 2026
Details
As Low As; Vehicle Value (Minimum): $12,000.00; Loan Amount (Minimum): $4,000.00
Bethlehem 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
2317 Easton Ave, Bethlehem, PA, 18017 5009
New Vehicle Loan
6.24%
7 Years
▼
APR6.24%
Term7 Years
Last UpdatedJun 16, 2026
Details
APR as low as; *
Bethlehem 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
2317 Easton Ave, Bethlehem, PA, 18017 5009
Used Vehicles (2019-2025) Loan
6.24%
6 Years
▼
APR6.24%
Term6 Years
Last UpdatedJun 16, 2026
Details
APR as low as; **
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
113 Research Dr, Bethlehem, PA, 18015 4731
New & Used Auto Loans
6.54%
76 - 84 Months
▼
APR6.54%
Term76 - 84 Months
Last UpdatedJun 16, 2026
Details
As Low As; Vehicle Value (Minimum): $20,000.00; Loan Amount (Minimum): $6,000.00
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
113 Research Dr, Bethlehem, PA, 18015 4731
New & Used Auto Loans
6.79%
85 - 96 Months
▼
APR6.79%
Term85 - 96 Months
Last UpdatedJun 16, 2026
Details
As Low As; Vehicle Value (Minimum): $40,000.00; Loan Amount (Minimum): $12,000.00
Bethlehem 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
2317 Easton Ave, Bethlehem, PA, 18017 5009
Used Vehicles (2019-2025) Loan
6.99%
7 Years
▼
APR6.99%
Term7 Years
Last UpdatedJun 16, 2026
Details
APR as low as; **
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
113 Research Dr, Bethlehem, PA, 18015 4731
New & Used Auto Loans
7.04%
85 - 96 Months
▼
APR7.04%
Term85 - 96 Months
Last UpdatedJun 16, 2026
Details
As Low As
Unity Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
2850 Easton Ave, Bethlehem, PA, 18017
New Auto Loans (2026)
7.50%
12-60 months
▼
APR7.50%
Term12-60 months
Last UpdatedJun 16, 2026
Details
Unity Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
2850 Easton Ave, Bethlehem, PA, 18017
New Auto Loans (2026) 12-60 months
7.50%
5 Months
▼
APR7.50%
Term5 Months
Last UpdatedJun 16, 2026
Details
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
113 Research Dr, Bethlehem, PA, 18015 4731
New & Used Auto Loans
7.54%
85 - 96 Months
▼
APR7.54%
Term85 - 96 Months
Last UpdatedJun 16, 2026
Details
As Low As; Vehicle Value (Minimum): $40,000.00; Loan Amount (Minimum): $12,000.00
Unity Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
2850 Easton Ave, Bethlehem, PA, 18017
New Auto Loans (2026)
7.88%
61-72 months
▼
APR7.88%
Term61-72 months
Last UpdatedJun 16, 2026
Details
Unity Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
2850 Easton Ave, Bethlehem, PA, 18017
New Auto Loans (2026) 61-72 months
7.88%
6 Months
▼
APR7.88%
Term6 Months
Last UpdatedJun 16, 2026
Details
Unity Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
2850 Easton Ave, Bethlehem, PA, 18017
Used Auto Loans (2023 to 2025)
8.25%
12-60 months
▼
APR8.25%
Term12-60 months
Last UpdatedJun 16, 2026
Details
Unity Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
2850 Easton Ave, Bethlehem, PA, 18017
Used Auto Loans (2023 to 2025) 12-60 months
8.25%
5 Months
▼
APR8.25%
Term5 Months
Last UpdatedJun 16, 2026
Details
Unity Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
2850 Easton Ave, Bethlehem, PA, 18017
Used Auto Loans (2021 to 2022)
9.00%
12-48 months
▼
APR9.00%
Term12-48 months
Last UpdatedJun 16, 2026
Details
Unity Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
2850 Easton Ave, Bethlehem, PA, 18017
Used Auto Loans (2021 to 2022) 12-48 months
9.00%
4 Months
▼
APR9.00%
Term4 Months
Last UpdatedJun 16, 2026
Details
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.86%
2200 Emrick Blvd, Bethlehem, PA, 18020
Recreation Vehicle Loan
9.54%
12 Months
▼
APR9.54%
Term12 Months
Last UpdatedJun 16, 2026
Details
As Low As
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.86%
2200 Emrick Blvd, Bethlehem, PA, 18020
Recreation Vehicle Loan
9.79%
48 Months
▼
APR9.79%
Term48 Months
Last UpdatedJun 16, 2026
Details
As Low As
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.86%
2200 Emrick Blvd, Bethlehem, PA, 18020
Recreation Vehicle Loan
10.29%
72 Months
▼
APR10.29%
Term72 Months
Last UpdatedJun 16, 2026
Details
As Low As
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
New Auto - 12 mos.
2.75%
12 mos.
▼
APR2.75%
Term12 mos.
Last UpdatedJun 16, 2026
Details
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
New Vehicles Loan
2.75%
12 mos.
▼
APR2.75%
Term12 mos.
Last UpdatedJun 16, 2026
Details
APR*
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Auto Loan
2.99%
36 months
▼
APR2.99%
Term36 months
Last UpdatedJun 16, 2026
Details
Limited-time offer. Rate requires autopay from a United checking account.
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
2.99%
Up to 36 Months
▼
APR2.99%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: All Years. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New Autos | Never Titled
3.24%
Up to 40 months
▼
APR3.24%
TermUp to 40 months
Last UpdatedJun 16, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
3.34%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As low as
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
Used Autos
3.49%
Up to 40 Months
▼
APR3.49%
TermUp to 40 Months
Last UpdatedJun 16, 2026
Details
VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 8.57%
New Vehicle Loan
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedJun 16, 2026
Details
Zero Down Payment
VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 8.57%
Used Vehicle Loan
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedJun 16, 2026
Details
2016-2019
UFCW COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
New Vehicle Loans
3.70%
Up to 84 months
▼
APR3.70%
TermUp to 84 months
Last UpdatedJun 16, 2026
Details
As Low As
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New Autos | Never Titled
3.74%
41-52 months
▼
APR3.74%
Term41-52 months
Last UpdatedJun 16, 2026
Details
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Used Vehicles - (3-4 Years Old) JD Power Book Price - 90% Financed Loan
3.75%
12 mos.
▼
APR3.75%
Term12 mos.
Last UpdatedJun 16, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Used Vehicles - (5 Years & Older) JD Power Book Price - 85% Financed Loan
3.75%
12 mos.
▼
APR3.75%
Term12 mos.
Last UpdatedJun 16, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Used Vehicles - Up To 2 Years Old - 100% Financed Loan
3.75%
12 mos.
▼
APR3.75%
Term12 mos.
Last UpdatedJun 16, 2026
Details
APR*
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
3.75%
Up to 48 Months
▼
APR3.75%
TermUp to 48 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: All Years. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles Loan
3.75%
48 months
▼
APR3.75%
Term48 months
Last UpdatedJun 16, 2026
Details
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New Vehicles Loan
3.75%
up to 84 Months
▼
APR3.75%
Termup to 84 Months
Last UpdatedJun 16, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As low as
UFCW LOCAL 23
Institution Rating:
A+5.0 ★ Texas Ratio: 5.17%
New Auto 2025-2024
3.90%
6 years
▼
APR3.90%
Term6 years
Last UpdatedJun 16, 2026
Details
Max Limit: $45,000.00
Stanwood Area Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
New Auto
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedJun 16, 2026
Details
Citymark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
New Car Loan
3.99%
Up to 96 months
▼
APR3.99%
TermUp to 96 months
Last UpdatedJun 16, 2026
Details
As low as; (based on credit score)
Citymark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
Used Car Loan
3.99%
Up to 96 months
▼
APR3.99%
TermUp to 96 months
Last UpdatedJun 16, 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 Loan
3.99%
5 Years
▼
APR3.99%
Term5 Years
Last UpdatedJun 16, 2026
Details
As Low As
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
New Vehicles Loan
3.99%
UP TO 72 MONTHS
▼
APR3.99%
TermUP TO 72 MONTHS
Last UpdatedJun 16, 2026
Details
As Low As; Promo: Your Keys. Your Car. Your Freedom.
Freedom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Auto Loan
3.99%
1 - 66 mos.
▼
APR3.99%
Term1 - 66 mos.
Last UpdatedJun 16, 2026
Details
APR* As Low As
G.A.P. Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.65%
New Vehicle (2026, 2025) Loan
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedJun 16, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
4.00%
Up to 60 Months
▼
APR4.00%
TermUp to 60 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: All Years. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Autos
4.00%
Up to 36 months
▼
APR4.00%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles Loan
4.00%
60 months
▼
APR4.00%
Term60 months
Last UpdatedJun 16, 2026
Details
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Autos
4.00%
Up to 36 months
▼
APR4.00%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details
VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 8.57%
New Vehicle Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedJun 16, 2026
Details
Zero Down Payment
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
4.09%
Up to 60 months
▼
APR4.09%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
As low as
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
New or Used Vehicles Loan
4.15%
3 YEAR REPAY
▼
APR4.15%
Term3 YEAR REPAY
Last UpdatedJun 16, 2026
Details
As Low As; 2025 to 2026
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
New / Used Auto (2021 - 2026)
4.19%
36 Months
▼
APR4.19%
Term36 Months
Last UpdatedJun 16, 2026
Details
1 Rates shown are for new and used vehicles model years 2021-2026. 2 See dealer for details.
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New Autos | Never Titled
4.24%
53-64 months
▼
APR4.24%
Term53-64 months
Last UpdatedJun 16, 2026
Details
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Car Loan
4.24%
24 months
▼
APR4.24%
Term24 months
Last UpdatedJun 16, 2026
Details
Model Year 2027-2024
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
New Auto Loans Model Years 2024-2026
4.24%
up to 60 months
▼
APR4.24%
Termup to 60 months
Last UpdatedJun 16, 2026
Details
Model Years 2024-2026
Utilities Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.55%
Auto Loans
4.24%
up to 36 Months
▼
APR4.24%
Termup to 36 Months
Last UpdatedJun 16, 2026
Details
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.
APR4.24%
TermUp to 48 Months
Last UpdatedJun 16, 2026
Details
As Low As; 2025 & newer
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
New Car Loans
4.25%
Up to 3 years
▼
APR4.25%
TermUp to 3 years
Last UpdatedJun 16, 2026
Details
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
Used Car Loans 2024 - 2026 models
4.25%
3 years
▼
APR4.25%
Term3 years
Last UpdatedJun 16, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
New or Used Vehicles Loan
4.25%
4 YEAR REPAY
▼
APR4.25%
Term4 YEAR REPAY
Last UpdatedJun 16, 2026
Details
As Low As; 2025 to 2026
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
▼
APR4.25%
TermUp to 36 months
Last UpdatedJun 16, 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 Loan
4.25%
72 months
▼
APR4.25%
Term72 months
Last UpdatedJun 16, 2026
Details
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Autos 2021 and newer
4.25%
Up to 36 months 80-90% NADA retail
▼
APR4.25%
TermUp to 36 months 80-90% NADA retail
Last UpdatedJun 16, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
New / Used Car, Truck, SUV Loan (2021 - 2026)
4.29%
36 Months
▼
APR4.29%
Term36 Months
Last UpdatedJun 16, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
New / Used vehicle 2021-2026 Loan
4.29%
36-60 months
▼
APR4.29%
Term36-60 months
Last UpdatedJun 16, 2026
Details
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
Used Autos
4.37%
41 - 52 months
▼
APR4.37%
Term41 - 52 months
Last UpdatedJun 16, 2026
Details
Choice One Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.18%
New Car Loan
4.39%
Up to 84 Months
▼
APR4.39%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
As Low As; This rate includes the .25% discount for Auto Pay.
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
NEW Auto Loan
4.40%
Up to 36 months
▼
APR4.40%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details
As Low As
APR4.44%
TermUp to 48 Months
Last UpdatedJun 16, 2026
Details
As Low As; 2022 - 2024
Choice One Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.18%
Auto Loan
4.49%
Up to 84 months
▼
APR4.49%
TermUp to 84 months
Last UpdatedJun 16, 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: 10.18%
New/Used Car Loans
4.49%
Up to 84 months
▼
APR4.49%
TermUp to 84 months
Last UpdatedJun 16, 2026
Details
As Low As; This rate includes the .25% discount with Auto Pay.
Franklin Johnstown Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
New Vehicle Loan
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedJun 16, 2026
Details
As Low As; New 2026 & 2025 (Includes motorcycles)
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
Auto Loan
4.49%
Up to 60 Months
▼
APR4.49%
TermUp to 60 Months
Last UpdatedJun 16, 2026
Details
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New Autos | Never Titled
4.49%
65-76 months
▼
APR4.49%
Term65-76 months
Last UpdatedJun 16, 2026
Details
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
Used Autos
4.49%
Up to 52 months
▼
APR4.49%
TermUp to 52 months
Last UpdatedJun 16, 2026
Details
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Car Loan
4.49%
36 months
▼
APR4.49%
Term36 months
Last UpdatedJun 16, 2026
Details
Model Year 2027-2024
Alleg Kiski Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.63%
NEW AUTO LOAN
4.49%
60 M
▼
APR4.49%
Term60 M
Last UpdatedJun 16, 2026
Details
GREAT RATES! FLEXIBLE TERMS! AVAILABLE 24/7!
Westmoreland Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.14%
New Vehicles Loan
4.49%
36 months
▼
APR4.49%
Term36 months
Last UpdatedJun 16, 2026
Details
As low as 4.49%
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
New Auto Loans Model Years 2024-2026
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedJun 16, 2026
Details
Model Years 2024-2026
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
New / Used Car, Truck, SUV Loan (2021 - 2026)
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedJun 16, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
New / Used vehicle 2020 & older Loan
4.49%
36-48 months
▼
APR4.49%
Term36-48 months
Last UpdatedJun 16, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
New / Used vehicle 2021-2026 Loan
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedJun 16, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
Used Car, Truck, SUV Loans (2020 & older)
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedJun 16, 2026
Details
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
New Vehicles Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedJun 16, 2026
Details
As Low As
Freedom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Auto Loan
4.49%
67 - 75 mos.
▼
APR4.49%
Term67 - 75 mos.
Last UpdatedJun 16, 2026
Details
APR* As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
New 2026 Auto Loan
4.49%
24 month
▼
APR4.49%
Term24 month
Last UpdatedJun 16, 2026
Details
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
Used 2024 - 2025 Auto Loan
4.49%
24 month
▼
APR4.49%
Term24 month
Last UpdatedJun 16, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
Auto Loans
4.49%
up to 36 months
▼
APR4.49%
Termup to 36 months
Last UpdatedJun 16, 2026
Details
As Low As; w/ Auto Pay Discount: 4.39%
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
New or Used Vehicles Loan
4.49%
up to 36 months
▼
APR4.49%
Termup to 36 months
Last UpdatedJun 16, 2026
Details
As Low As; w/ Auto Pay Discount: 4.39%
Locomotive And Control Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
New Vehicle Loan
4.50%
36 Month Term
▼
APR4.50%
Term36 Month Term
Last UpdatedJun 16, 2026
Details
G.A.P. Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.65%
New Vehicle (2026, 2025) Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedJun 16, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
4.50%
Up to 72 Months
▼
APR4.50%
TermUp to 72 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: 2020 or Newer. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
New Car Loans
4.50%
Up to 4 years
▼
APR4.50%
TermUp to 4 years
Last UpdatedJun 16, 2026
Details
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
Used Car Loans 2024 - 2026 models
4.50%
4 years
▼
APR4.50%
Term4 years
Last UpdatedJun 16, 2026
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
New Auto Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedJun 16, 2026
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
New Vehicles Loan
4.50%
up to 60 mos.
▼
APR4.50%
Termup to 60 mos.
Last UpdatedJun 16, 2026
Details
APR* as low as**
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Autos
4.50%
Up to 60 months
▼
APR4.50%
TermUp to 60 months
Last UpdatedJun 16, 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
▼
APR4.50%
Term48 - 60 months
Last UpdatedJun 16, 2026
Details
80-90% NADA retail
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Autos
4.50%
48 to 60 months 100% MSRP
▼
APR4.50%
Term48 to 60 months 100% MSRP
Last UpdatedJun 16, 2026
Details
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Autos 2021 and newer
4.50%
48 to 60 months 80-90% NADA retail
▼
APR4.50%
Term48 to 60 months 80-90% NADA retail
Last UpdatedJun 16, 2026
Details
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New & Used Auto Loans (2020 and Newer) - 750+
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedJun 16, 2026
Details
Alcose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
New Vehicles 2025 - 2026 Loan
4.50%
Up to 48 Months
▼
APR4.50%
TermUp to 48 Months
Last UpdatedJun 16, 2026
Details
As Low As; APR*
Alcose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
New Vehicles Loan
4.50%
Up to 48 Months
▼
APR4.50%
TermUp to 48 Months
Last UpdatedJun 16, 2026
Details
As Low As; APR*
VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 8.57%
New Vehicle Loan
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedJun 16, 2026
Details
Zero Down Payment
VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 8.57%
Used Vehicle Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedJun 16, 2026
Details
2022 - NEWER
APR4.50%
Term72 months
Last UpdatedJun 16, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
New / Used Car, Truck, SUV Loan (2021 - 2026)
4.59%
84 Months
▼
APR4.59%
Term84 Months
Last UpdatedJun 16, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto
4.59%
Up to 60 months
▼
APR4.59%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
As low as
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
New 2026 Auto Loan
4.64%
36 month
▼
APR4.64%
Term36 month
Last UpdatedJun 16, 2026
Details
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
Used 2024 - 2025 Auto Loan
4.64%
36 month
▼
APR4.64%
Term36 month
Last UpdatedJun 16, 2026
Details
APR4.64%
Term49-60 Months
Last UpdatedJun 16, 2026
Details
As Low As; 2022 - 2024
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
New / Used Auto (2021 - 2026)
4.69%
60 Months
▼
APR4.69%
Term60 Months
Last UpdatedJun 16, 2026
Details
1 Rates shown are for new and used vehicles model years 2021-2026. 2 See dealer for details.
Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.40%
New Vehicle Loan
4.69%
Up to 36 Months
▼
APR4.69%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
Maximum $50,000.00
Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.40%
Used Vehicle Loan
4.69%
Up to 36 Months
▼
APR4.69%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
Some Restrictions Apply Vehicles 2017 or newer
Lehigh Valley Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New Auto Loan
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedJun 16, 2026
Details
As Low As
Lehigh Valley Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Used Auto Loan
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedJun 16, 2026
Details
As Low As
United Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
New Automobile (2026 and 2025 Model Years)
4.74%
60 Mos
▼
APR4.74%
Term60 Mos
Last UpdatedJun 16, 2026
Details
As Low As
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
Auto Loan
4.74%
Up to 84 Months
▼
APR4.74%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
minimum $20,000
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
Used Autos
4.74%
53 - 64 months
▼
APR4.74%
Term53 - 64 months
Last UpdatedJun 16, 2026
Details
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Car Loan
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedJun 16, 2026
Details
Model Year 2027-2024
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
New Auto Loans Model Years 2024-2026
4.74%
84 months
▼
APR4.74%
Term84 months
Last UpdatedJun 16, 2026
Details
Model Years 2024-2026
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
Used Auto Loans Model Years 2021-2023
4.74%
up to 60 months
▼
APR4.74%
Termup to 60 months
Last UpdatedJun 16, 2026
Details
Model Years 2021-2023
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
New Vehicles Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedJun 16, 2026
Details
As Low As
APR4.74%
Term61-75 Months
Last UpdatedJun 16, 2026
Details
As Low As; 2025 & newer
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
New Car Loans
4.75%
Up to 5 and 6 years
▼
APR4.75%
TermUp to 5 and 6 years
Last UpdatedJun 16, 2026
Details
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
Used Car Loans 2024 - 2026 models
4.75%
5 & 6 years
▼
APR4.75%
Term5 & 6 years
Last UpdatedJun 16, 2026
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
New Vehicles Loan
4.75%
61 to 72 mos.~
▼
APR4.75%
Term61 to 72 mos.~
Last UpdatedJun 16, 2026
Details
APR* as low as**
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New Vehicles 2024-2026 (untitled or <10,000 miles) 36 Months Loan
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedJun 16, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
New or Used Vehicles Loan
4.75%
5 YEAR REPAY
▼
APR4.75%
Term5 YEAR REPAY
Last UpdatedJun 16, 2026
Details
As Low As; 2025 to 2026
Visionary Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
New Vehicle Loan
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedJun 16, 2026
Details
2025 and Newer; As Low As
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles Loan
4.75%
84 months
▼
APR4.75%
Term84 months
Last UpdatedJun 16, 2026
Details
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
Used Vehicles Loan
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedJun 16, 2026
Details
As Low As
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New & Used Auto Loans (2020 and Newer) - 700 - 749
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedJun 16, 2026
Details
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New & Used Auto Loans (2020 and Newer) - 750+
4.75%
72 months
▼
APR4.75%
Term72 months
Last UpdatedJun 16, 2026
Details
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
Used Auto Loans (2019 and Older) 750+
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedJun 16, 2026
Details
VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 8.57%
Used Vehicle Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedJun 16, 2026
Details
2022 - NEWER**
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
New 2026 Auto Loan
4.79%
48 month
▼
APR4.79%
Term48 month
Last UpdatedJun 16, 2026
Details
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
Used 2024 - 2025 Auto Loan
4.79%
48 month
▼
APR4.79%
Term48 month
Last UpdatedJun 16, 2026
Details
APR4.84%
TermUp to 48 Months
Last UpdatedJun 16, 2026
Details
As Low As; 2017 - 2021
Diamond Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
Auto Loan Special
4.89%
up to 72 months
▼
APR4.89%
Termup to 72 months
Last UpdatedJun 11, 2026
Details
Rates as low as 4.89% APR* for loans up to 72 months, or 5.45% APR* for loans up to 84 months.
USX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New and Used Vehicles Model years 2026-2025-2024-2023 Up to 48 months Loan
4.89%
48 months
▼
APR4.89%
Term48 months
Last UpdatedJun 11, 2026
Details
Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.40%
Used Vehicle Loan
4.89%
Up to 48 Months
▼
APR4.89%
TermUp to 48 Months
Last UpdatedJun 16, 2026
Details
Some Restrictions Apply Vehicles 2017 or newer
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
Used Car Loans 2014 - 2023 models
4.90%
4 years
▼
APR4.90%
Term4 years
Last UpdatedJun 16, 2026
Details
P&G Mehoopany Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
New and Used Auto Loan
4.90%
Up to 96 Months
▼
APR4.90%
TermUp to 96 Months
Last UpdatedJun 16, 2026
Details
Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.40%
New Vehicle Loan
4.90%
Up to 48 Months
▼
APR4.90%
TermUp to 48 Months
Last UpdatedJun 16, 2026
Details
Maximum $50,000.00
UFCW LOCAL 23
Institution Rating:
A+5.0 ★ Texas Ratio: 5.17%
Used Auto 2024-2022
4.90%
5 years
▼
APR4.90%
Term5 years
Last UpdatedJun 16, 2026
Details
Max Limit: $45,000.00
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
Used Auto Loans Model Years 2021-2023
4.94%
72 months
▼
APR4.94%
Term72 months
Last UpdatedJun 16, 2026
Details
Model Years 2021-2023
APR4.94%
Term61-75 Months
Last UpdatedJun 16, 2026
Details
As Low As; 2022 - 2024
White Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
Auto Loans
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedJun 11, 2026
Details
Model Year 2025 - 2026*. All rates are based on "A+" credit and requires autopay.
Omega Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.90%
New Auto up to 24 months
4.99%
24 months
▼
APR4.99%
Term24 months
Last UpdatedJun 11, 2026
Details
As Low As
Omega Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.90%
New Auto up to 48 months
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedJun 11, 2026
Details
As Low As
Omega Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.90%
New Auto up to 60 months
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedJun 11, 2026
Details
As Low As
Omega Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.90%
Used Auto
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedJun 11, 2026
Details
As Low As
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
New Vehicle Loans (2026-2025) - 3 Years
4.99%
3 Years
▼
APR4.99%
Term3 Years
Last UpdatedJun 16, 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
▼
APR4.99%
Term48 Months
Last UpdatedJun 16, 2026
Details
Rates are 'as low as' and include a 0.25% discount for repayment made via payroll deduction or an automatic payment. Call the Credit Union for more information about applicable fees, terms, and current rates - (724) 740-1444.
Pennsylvania Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
Auto Loans
4.99%
Up to 84 months
▼
APR4.99%
TermUp to 84 months
Last UpdatedJun 16, 2026
Details
Low Rate Auto Loans for New/Used/ Refinance! Upgrade Your Ride!
Pennsylvania Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
Vehicle Loans
4.99%
Up to 84 months
▼
APR4.99%
TermUp to 84 months
Last UpdatedJun 16, 2026
Details
As Low As; *The rate listed is based on the applicant's credit worthiness and may vary from that shown above.
Steel Strong Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.56%
New Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
As Low As
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.82%
Auto Loan
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedJun 16, 2026
Details
As Low As
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.82%
New Auto Loans
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedJun 16, 2026
Details
As Low As
West Aircomm Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.51%
New Vehicle (2025-2026) less than 20,000 miles Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedJun 16, 2026
Details
West Aircomm Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.51%
Used Vehicle (2019-2025) Loan
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedJun 16, 2026
Details
United Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
Used Automobile (2025-2023 Model Years)
4.99%
60 Mos
▼
APR4.99%
Term60 Mos
Last UpdatedJun 16, 2026
Details
As Low As
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
Auto Loan
4.99%
Up to 60 Months
▼
APR4.99%
TermUp to 60 Months
Last UpdatedJun 16, 2026
Details
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
Used Autos
4.99%
65 - 76 months
▼
APR4.99%
Term65 - 76 months
Last UpdatedJun 16, 2026
Details
CACL Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.85%
New Vehicle Loan
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedJun 16, 2026
Details
CACL Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.85%
Older Used Vehicle Loan
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedJun 16, 2026
Details
CACL Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.85%
Used Vehicle Loan
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedJun 16, 2026
Details
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Car Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedJun 16, 2026
Details
Model Year 2027-2024 (Min. value of car $15,000)
Westmoreland Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.14%
Used Vehicles Loan
4.99%
60 or less months
▼
APR4.99%
Term60 or less months
Last UpdatedJun 16, 2026
Details
As low as 4.99%; (2025-2026)
New Alliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.31%
Auto Loan
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedJun 16, 2026
Details
As Low As; Year: 2024-2026
Top Tier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.18%
Auto Loan Summer Special
4.99%
Up to 72 months
▼
APR4.99%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details
0% APR for first 3 months of Auto Loan; Up to 110% Financing
Top Tier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.18%
New & Used Auto
4.99%
Up to 72 months
▼
APR4.99%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details
As Low As; Model Years 2026-2023
Upper Darby Bell Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
New Car Loans
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedJun 16, 2026
Details
As Low As
Upper Darby Bell Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
Used Car Loans (Model Year 2019 - 2025) 24 months
4.99%
24 months
▼
APR4.99%
Term24 months
Last UpdatedJun 16, 2026
Details
As Low As
Upper Darby Bell Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
Used Car Loans (Model Year 2019 - 2025) 36 months
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedJun 16, 2026
Details
As Low As
Upper Darby Bell Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
Used Car Loans (Model Year 2019 - 2025) 48 months
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedJun 16, 2026
Details
As Low As
Visionary Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
New Vehicle Loan
4.99%
61 -72 Months
▼
APR4.99%
Term61 -72 Months
Last UpdatedJun 16, 2026
Details
2025 and Newer; As Low As
Visionary Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
Used Vehicle Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedJun 16, 2026
Details
2024 - 2026; As Low As
Powered by
MonitorBankRates
Bethlehem New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Bethlehem 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
2317 Easton Ave, Bethlehem, PA, 18017 5009
New Vehicle Loan
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedJun 16, 2026
Details
APR as low as; *
First Commonwealth Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.65%
5500 Crawford Dr, Bethlehem, PA, 18017 8797
Auto Loan - New
4.99%
36-Months
▼
APR4.99%
Term36-Months
Last UpdatedJun 16, 2026
Details
As Low As
Allentown Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.00%
801 Ostrum St, Bethlehem, PA, 18015
New/Used vehicle purchase Loan
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedJun 16, 2026
Details
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
113 Research Dr, Bethlehem, PA, 18015 4731
New & Used Auto Loans
5.19%
1 - 63 Months
▼
APR5.19%
Term1 - 63 Months
Last UpdatedJun 16, 2026
Details
As Low As; Vehicle Value (Minimum): $3,000.00; Loan Amount (Minimum): $1,000.00
Allentown Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.00%
801 Ostrum St, Bethlehem, PA, 18015
New/Used vehicle purchase Loan
5.25%
48 months
▼
APR5.25%
Term48 months
Last UpdatedJun 16, 2026
Details
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
113 Research Dr, Bethlehem, PA, 18015 4731
New & Used Auto Loans
5.39%
64 - 75 Months
▼
APR5.39%
Term64 - 75 Months
Last UpdatedJun 16, 2026
Details
As Low As; Vehicle Value (Minimum): $12,000.00; Loan Amount (Minimum): $4,000.00
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
113 Research Dr, Bethlehem, PA, 18015 4731
New & Used Auto Loans
5.44%
1 - 63 Months
▼
APR5.44%
Term1 - 63 Months
Last UpdatedJun 16, 2026
Details
As Low As
Bethlehem 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
2317 Easton Ave, Bethlehem, PA, 18017 5009
New Vehicle Loan
5.49%
5 Years
▼
APR5.49%
Term5 Years
Last UpdatedJun 16, 2026
Details
APR as low as; *
Allentown Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.00%
801 Ostrum St, Bethlehem, PA, 18015
New/Used vehicle purchase Loan
5.50%
72 months
▼
APR5.50%
Term72 months
Last UpdatedJun 16, 2026
Details
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
113 Research Dr, Bethlehem, PA, 18015 4731
New & Used Auto Loans
5.64%
64 - 75 Months
▼
APR5.64%
Term64 - 75 Months
Last UpdatedJun 16, 2026
Details
As Low As
Bethlehem 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
2317 Easton Ave, Bethlehem, PA, 18017 5009
New Vehicle Loan
5.74%
6 Years
▼
APR5.74%
Term6 Years
Last UpdatedJun 16, 2026
Details
APR as low as; *
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
113 Research Dr, Bethlehem, PA, 18015 4731
New & Used Auto Loans
5.79%
76 - 84 Months
▼
APR5.79%
Term76 - 84 Months
Last UpdatedJun 16, 2026
Details
As Low As; Vehicle Value (Minimum): $20,000.00; Loan Amount (Minimum): $6,000.00
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
113 Research Dr, Bethlehem, PA, 18015 4731
New & Used Auto Loans
5.94%
1 - 63 Months
▼
APR5.94%
Term1 - 63 Months
Last UpdatedJun 16, 2026
Details
As Low As; Vehicle Value (Minimum): $3,000.00; Loan Amount (Minimum): $1,000.00
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
113 Research Dr, Bethlehem, PA, 18015 4731
New & Used Auto Loans
6.04%
76 - 84 Months
▼
APR6.04%
Term76 - 84 Months
Last UpdatedJun 16, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
113 Research Dr, Bethlehem, PA, 18015 4731
New & Used Auto Loans
6.14%
64 - 75 Months
▼
APR6.14%
Term64 - 75 Months
Last UpdatedJun 16, 2026
Details
As Low As; Vehicle Value (Minimum): $12,000.00; Loan Amount (Minimum): $4,000.00
Bethlehem 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
2317 Easton Ave, Bethlehem, PA, 18017 5009
New Vehicle Loan
6.24%
7 Years
▼
APR6.24%
Term7 Years
Last UpdatedJun 16, 2026
Details
APR as low as; *
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
113 Research Dr, Bethlehem, PA, 18015 4731
New & Used Auto Loans
6.54%
76 - 84 Months
▼
APR6.54%
Term76 - 84 Months
Last UpdatedJun 16, 2026
Details
As Low As; Vehicle Value (Minimum): $20,000.00; Loan Amount (Minimum): $6,000.00
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
113 Research Dr, Bethlehem, PA, 18015 4731
New & Used Auto Loans
6.79%
85 - 96 Months
▼
APR6.79%
Term85 - 96 Months
Last UpdatedJun 16, 2026
Details
As Low As; Vehicle Value (Minimum): $40,000.00; Loan Amount (Minimum): $12,000.00
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
113 Research Dr, Bethlehem, PA, 18015 4731
New & Used Auto Loans
7.04%
85 - 96 Months
▼
APR7.04%
Term85 - 96 Months
Last UpdatedJun 16, 2026
Details
As Low As
Unity Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
2850 Easton Ave, Bethlehem, PA, 18017
New Auto Loans (2026)
7.50%
12-60 months
▼
APR7.50%
Term12-60 months
Last UpdatedJun 16, 2026
Details
Unity Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
2850 Easton Ave, Bethlehem, PA, 18017
New Auto Loans (2026) 12-60 months
7.50%
5 Months
▼
APR7.50%
Term5 Months
Last UpdatedJun 16, 2026
Details
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
113 Research Dr, Bethlehem, PA, 18015 4731
New & Used Auto Loans
7.54%
85 - 96 Months
▼
APR7.54%
Term85 - 96 Months
Last UpdatedJun 16, 2026
Details
As Low As; Vehicle Value (Minimum): $40,000.00; Loan Amount (Minimum): $12,000.00
Unity Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
2850 Easton Ave, Bethlehem, PA, 18017
New Auto Loans (2026)
7.88%
61-72 months
▼
APR7.88%
Term61-72 months
Last UpdatedJun 16, 2026
Details
Unity Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
2850 Easton Ave, Bethlehem, PA, 18017
New Auto Loans (2026) 61-72 months
7.88%
6 Months
▼
APR7.88%
Term6 Months
Last UpdatedJun 16, 2026
Details
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
New Auto - 12 mos.
2.75%
12 mos.
▼
APR2.75%
Term12 mos.
Last UpdatedJun 16, 2026
Details
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
New Vehicles Loan
2.75%
12 mos.
▼
APR2.75%
Term12 mos.
Last UpdatedJun 16, 2026
Details
APR*
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
2.99%
Up to 36 Months
▼
APR2.99%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: All Years. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New Autos | Never Titled
3.24%
Up to 40 months
▼
APR3.24%
TermUp to 40 months
Last UpdatedJun 16, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
3.34%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As low as
VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 8.57%
New Vehicle Loan
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedJun 16, 2026
Details
Zero Down Payment
UFCW COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
New Vehicle Loans
3.70%
Up to 84 months
▼
APR3.70%
TermUp to 84 months
Last UpdatedJun 16, 2026
Details
As Low As
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New Autos | Never Titled
3.74%
41-52 months
▼
APR3.74%
Term41-52 months
Last UpdatedJun 16, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
3.75%
Up to 48 Months
▼
APR3.75%
TermUp to 48 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: All Years. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles Loan
3.75%
48 months
▼
APR3.75%
Term48 months
Last UpdatedJun 16, 2026
Details
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New Vehicles Loan
3.75%
up to 84 Months
▼
APR3.75%
Termup to 84 Months
Last UpdatedJun 16, 2026
Details
UFCW LOCAL 23
Institution Rating:
A+5.0 ★ Texas Ratio: 5.17%
New Auto 2025-2024
3.90%
6 years
▼
APR3.90%
Term6 years
Last UpdatedJun 16, 2026
Details
Max Limit: $45,000.00
Stanwood Area Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
New Auto
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedJun 16, 2026
Details
Citymark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
New Car Loan
3.99%
Up to 96 months
▼
APR3.99%
TermUp to 96 months
Last UpdatedJun 16, 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 Loan
3.99%
5 Years
▼
APR3.99%
Term5 Years
Last UpdatedJun 16, 2026
Details
As Low As
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
New Vehicles Loan
3.99%
UP TO 72 MONTHS
▼
APR3.99%
TermUP TO 72 MONTHS
Last UpdatedJun 16, 2026
Details
As Low As; Promo: Your Keys. Your Car. Your Freedom.
G.A.P. Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.65%
New Vehicle (2026, 2025) Loan
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedJun 16, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
4.00%
Up to 60 Months
▼
APR4.00%
TermUp to 60 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: All Years. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Autos
4.00%
Up to 36 months
▼
APR4.00%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles Loan
4.00%
60 months
▼
APR4.00%
Term60 months
Last UpdatedJun 16, 2026
Details
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Autos
4.00%
Up to 36 months
▼
APR4.00%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details
VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 8.57%
New Vehicle Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedJun 16, 2026
Details
Zero Down Payment
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
4.09%
Up to 60 months
▼
APR4.09%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
As low as
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
New or Used Vehicles Loan
4.15%
3 YEAR REPAY
▼
APR4.15%
Term3 YEAR REPAY
Last UpdatedJun 16, 2026
Details
As Low As; 2025 to 2026
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
New / Used Auto (2021 - 2026)
4.19%
36 Months
▼
APR4.19%
Term36 Months
Last UpdatedJun 16, 2026
Details
1 Rates shown are for new and used vehicles model years 2021-2026. 2 See dealer for details.
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New Autos | Never Titled
4.24%
53-64 months
▼
APR4.24%
Term53-64 months
Last UpdatedJun 16, 2026
Details
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Car Loan
4.24%
24 months
▼
APR4.24%
Term24 months
Last UpdatedJun 16, 2026
Details
Model Year 2027-2024
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
New Auto Loans Model Years 2024-2026
4.24%
up to 60 months
▼
APR4.24%
Termup to 60 months
Last UpdatedJun 16, 2026
Details
Model Years 2024-2026
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
New Car Loans
4.25%
Up to 3 years
▼
APR4.25%
TermUp to 3 years
Last UpdatedJun 16, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
New or Used Vehicles Loan
4.25%
4 YEAR REPAY
▼
APR4.25%
Term4 YEAR REPAY
Last UpdatedJun 16, 2026
Details
As Low As; 2025 to 2026
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
▼
APR4.25%
TermUp to 36 months
Last UpdatedJun 16, 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 Loan
4.25%
72 months
▼
APR4.25%
Term72 months
Last UpdatedJun 16, 2026
Details
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Autos 2021 and newer
4.25%
Up to 36 months 80-90% NADA retail
▼
APR4.25%
TermUp to 36 months 80-90% NADA retail
Last UpdatedJun 16, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
New / Used Car, Truck, SUV Loan (2021 - 2026)
4.29%
36 Months
▼
APR4.29%
Term36 Months
Last UpdatedJun 16, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
New / Used vehicle 2021-2026 Loan
4.29%
36-60 months
▼
APR4.29%
Term36-60 months
Last UpdatedJun 16, 2026
Details
Choice One Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.18%
New Car Loan
4.39%
Up to 84 Months
▼
APR4.39%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
As Low As; This rate includes the .25% discount for Auto Pay.
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
NEW Auto Loan
4.40%
Up to 36 months
▼
APR4.40%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details
As Low As
Choice One Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.18%
New/Used Car Loans
4.49%
Up to 84 months
▼
APR4.49%
TermUp to 84 months
Last UpdatedJun 16, 2026
Details
As Low As; This rate includes the .25% discount with Auto Pay.
Franklin Johnstown Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
New Vehicle Loan
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedJun 16, 2026
Details
As Low As; New 2026 & 2025 (Includes motorcycles)
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New Autos | Never Titled
4.49%
65-76 months
▼
APR4.49%
Term65-76 months
Last UpdatedJun 16, 2026
Details
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Car Loan
4.49%
36 months
▼
APR4.49%
Term36 months
Last UpdatedJun 16, 2026
Details
Model Year 2027-2024
Alleg Kiski Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.63%
NEW AUTO LOAN
4.49%
60 M
▼
APR4.49%
Term60 M
Last UpdatedJun 16, 2026
Details
GREAT RATES! FLEXIBLE TERMS! AVAILABLE 24/7!
Westmoreland Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.14%
New Vehicles Loan
4.49%
36 months
▼
APR4.49%
Term36 months
Last UpdatedJun 16, 2026
Details
As low as 4.49%
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
New Auto Loans Model Years 2024-2026
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedJun 16, 2026
Details
Model Years 2024-2026
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
New / Used Car, Truck, SUV Loan (2021 - 2026)
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedJun 16, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
New / Used vehicle 2020 & older Loan
4.49%
36-48 months
▼
APR4.49%
Term36-48 months
Last UpdatedJun 16, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
New / Used vehicle 2021-2026 Loan
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedJun 16, 2026
Details
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
New Vehicles Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedJun 16, 2026
Details
As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
New 2026 Auto Loan
4.49%
24 month
▼
APR4.49%
Term24 month
Last UpdatedJun 16, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
New or Used Vehicles Loan
4.49%
up to 36 months
▼
APR4.49%
Termup to 36 months
Last UpdatedJun 16, 2026
Details
As Low As; w/ Auto Pay Discount: 4.39%
Locomotive And Control Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
New Vehicle Loan
4.50%
36 Month Term
▼
APR4.50%
Term36 Month Term
Last UpdatedJun 16, 2026
Details
G.A.P. Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.65%
New Vehicle (2026, 2025) Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedJun 16, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
4.50%
Up to 72 Months
▼
APR4.50%
TermUp to 72 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: 2020 or Newer. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
New Car Loans
4.50%
Up to 4 years
▼
APR4.50%
TermUp to 4 years
Last UpdatedJun 16, 2026
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
New Auto Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedJun 16, 2026
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
New Vehicles Loan
4.50%
up to 60 mos.
▼
APR4.50%
Termup to 60 mos.
Last UpdatedJun 16, 2026
Details
APR* as low as**
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Autos
4.50%
Up to 60 months
▼
APR4.50%
TermUp to 60 months
Last UpdatedJun 16, 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
▼
APR4.50%
Term48 - 60 months
Last UpdatedJun 16, 2026
Details
80-90% NADA retail
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Autos
4.50%
48 to 60 months 100% MSRP
▼
APR4.50%
Term48 to 60 months 100% MSRP
Last UpdatedJun 16, 2026
Details
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Autos 2021 and newer
4.50%
48 to 60 months 80-90% NADA retail
▼
APR4.50%
Term48 to 60 months 80-90% NADA retail
Last UpdatedJun 16, 2026
Details
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New & Used Auto Loans (2020 and Newer) - 750+
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedJun 16, 2026
Details
Alcose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
New Vehicles 2025 - 2026 Loan
4.50%
Up to 48 Months
▼
APR4.50%
TermUp to 48 Months
Last UpdatedJun 16, 2026
Details
As Low As; APR*
Alcose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
New Vehicles Loan
4.50%
Up to 48 Months
▼
APR4.50%
TermUp to 48 Months
Last UpdatedJun 16, 2026
Details
As Low As; APR*
VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 8.57%
New Vehicle Loan
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedJun 16, 2026
Details
Zero Down Payment
APR4.50%
Term72 months
Last UpdatedJun 16, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
New / Used Car, Truck, SUV Loan (2021 - 2026)
4.59%
84 Months
▼
APR4.59%
Term84 Months
Last UpdatedJun 16, 2026
Details
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
New 2026 Auto Loan
4.64%
36 month
▼
APR4.64%
Term36 month
Last UpdatedJun 16, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
New / Used Auto (2021 - 2026)
4.69%
60 Months
▼
APR4.69%
Term60 Months
Last UpdatedJun 16, 2026
Details
1 Rates shown are for new and used vehicles model years 2021-2026. 2 See dealer for details.
Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.40%
New Vehicle Loan
4.69%
Up to 36 Months
▼
APR4.69%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
Maximum $50,000.00
Lehigh Valley Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New Auto Loan
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedJun 16, 2026
Details
As Low As
United Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
New Automobile (2026 and 2025 Model Years)
4.74%
60 Mos
▼
APR4.74%
Term60 Mos
Last UpdatedJun 16, 2026
Details
As Low As
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Car Loan
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedJun 16, 2026
Details
Model Year 2027-2024
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
New Auto Loans Model Years 2024-2026
4.74%
84 months
▼
APR4.74%
Term84 months
Last UpdatedJun 16, 2026
Details
Model Years 2024-2026
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
New Vehicles Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedJun 16, 2026
Details
As Low As
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
New Car Loans
4.75%
Up to 5 and 6 years
▼
APR4.75%
TermUp to 5 and 6 years
Last UpdatedJun 16, 2026
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
New Vehicles Loan
4.75%
61 to 72 mos.~
▼
APR4.75%
Term61 to 72 mos.~
Last UpdatedJun 16, 2026
Details
APR* as low as**
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New Vehicles 2024-2026 (untitled or <10,000 miles) 36 Months Loan
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedJun 16, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
New or Used Vehicles Loan
4.75%
5 YEAR REPAY
▼
APR4.75%
Term5 YEAR REPAY
Last UpdatedJun 16, 2026
Details
As Low As; 2025 to 2026
Visionary Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
New Vehicle Loan
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedJun 16, 2026
Details
2025 and Newer; As Low As
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles Loan
4.75%
84 months
▼
APR4.75%
Term84 months
Last UpdatedJun 16, 2026
Details
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New & Used Auto Loans (2020 and Newer) - 700 - 749
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedJun 16, 2026
Details
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New & Used Auto Loans (2020 and Newer) - 750+
4.75%
72 months
▼
APR4.75%
Term72 months
Last UpdatedJun 16, 2026
Details
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
New 2026 Auto Loan
4.79%
48 month
▼
APR4.79%
Term48 month
Last UpdatedJun 16, 2026
Details
USX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New and Used Vehicles Model years 2026-2025-2024-2023 Up to 48 months Loan
4.89%
48 months
▼
APR4.89%
Term48 months
Last UpdatedJun 11, 2026
Details
P&G Mehoopany Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
New and Used Auto Loan
4.90%
Up to 96 Months
▼
APR4.90%
TermUp to 96 Months
Last UpdatedJun 16, 2026
Details
Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.40%
New Vehicle Loan
4.90%
Up to 48 Months
▼
APR4.90%
TermUp to 48 Months
Last UpdatedJun 16, 2026
Details
Maximum $50,000.00
Omega Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.90%
New Auto up to 24 months
4.99%
24 months
▼
APR4.99%
Term24 months
Last UpdatedJun 11, 2026
Details
As Low As
Omega Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.90%
New Auto up to 48 months
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedJun 11, 2026
Details
As Low As
Omega Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.90%
New Auto up to 60 months
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedJun 11, 2026
Details
As Low As
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
New Vehicle Loans (2026-2025) - 3 Years
4.99%
3 Years
▼
APR4.99%
Term3 Years
Last UpdatedJun 16, 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
▼
APR4.99%
Term48 Months
Last UpdatedJun 16, 2026
Details
Rates are 'as low as' and include a 0.25% discount for repayment made via payroll deduction or an automatic payment. Call the Credit Union for more information about applicable fees, terms, and current rates - (724) 740-1444.
Steel Strong Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.56%
New Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
As Low As
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.82%
New Auto Loans
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedJun 16, 2026
Details
As Low As
West Aircomm Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.51%
New Vehicle (2025-2026) less than 20,000 miles Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedJun 16, 2026
Details
CACL Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.85%
New Vehicle Loan
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedJun 16, 2026
Details
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Car Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedJun 16, 2026
Details
Model Year 2027-2024 (Min. value of car $15,000)
Top Tier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.18%
New & Used Auto
4.99%
Up to 72 months
▼
APR4.99%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details
As Low As; Model Years 2026-2023
Upper Darby Bell Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
New Car Loans
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedJun 16, 2026
Details
As Low As
Visionary Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
New Vehicle Loan
4.99%
61 -72 Months
▼
APR4.99%
Term61 -72 Months
Last UpdatedJun 16, 2026
Details
2025 and Newer; As Low As
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MonitorBankRates
Bethlehem Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Bethlehem 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
2317 Easton Ave, Bethlehem, PA, 18017 5009
Used Vehicles (2019-2025) Loan
4.99%
1-4 Years
▼
APR4.99%
Term1-4 Years
Last UpdatedJun 16, 2026
Details
APR as low as; **
Allentown Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.00%
801 Ostrum St, Bethlehem, PA, 18015
New/Used vehicle purchase Loan
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedJun 16, 2026
Details
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
113 Research Dr, Bethlehem, PA, 18015 4731
New & Used Auto Loans
5.19%
1 - 63 Months
▼
APR5.19%
Term1 - 63 Months
Last UpdatedJun 16, 2026
Details
As Low As; Vehicle Value (Minimum): $3,000.00; Loan Amount (Minimum): $1,000.00
Allentown Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.00%
801 Ostrum St, Bethlehem, PA, 18015
New/Used vehicle purchase Loan
5.25%
48 months
▼
APR5.25%
Term48 months
Last UpdatedJun 16, 2026
Details
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
113 Research Dr, Bethlehem, PA, 18015 4731
New & Used Auto Loans
5.39%
64 - 75 Months
▼
APR5.39%
Term64 - 75 Months
Last UpdatedJun 16, 2026
Details
As Low As; Vehicle Value (Minimum): $12,000.00; Loan Amount (Minimum): $4,000.00
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
113 Research Dr, Bethlehem, PA, 18015 4731
New & Used Auto Loans
5.44%
1 - 63 Months
▼
APR5.44%
Term1 - 63 Months
Last UpdatedJun 16, 2026
Details
As Low As
Allentown Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.00%
801 Ostrum St, Bethlehem, PA, 18015
New/Used vehicle purchase Loan
5.50%
72 months
▼
APR5.50%
Term72 months
Last UpdatedJun 16, 2026
Details
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
113 Research Dr, Bethlehem, PA, 18015 4731
New & Used Auto Loans
5.64%
64 - 75 Months
▼
APR5.64%
Term64 - 75 Months
Last UpdatedJun 16, 2026
Details
As Low As
Bethlehem 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
2317 Easton Ave, Bethlehem, PA, 18017 5009
Used Vehicles (2019-2025) Loan
5.74%
5 Years
▼
APR5.74%
Term5 Years
Last UpdatedJun 16, 2026
Details
APR as low as; **
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
113 Research Dr, Bethlehem, PA, 18015 4731
New & Used Auto Loans
5.79%
76 - 84 Months
▼
APR5.79%
Term76 - 84 Months
Last UpdatedJun 16, 2026
Details
As Low As; Vehicle Value (Minimum): $20,000.00; Loan Amount (Minimum): $6,000.00
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
113 Research Dr, Bethlehem, PA, 18015 4731
New & Used Auto Loans
5.94%
1 - 63 Months
▼
APR5.94%
Term1 - 63 Months
Last UpdatedJun 16, 2026
Details
As Low As; Vehicle Value (Minimum): $3,000.00; Loan Amount (Minimum): $1,000.00
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
113 Research Dr, Bethlehem, PA, 18015 4731
New & Used Auto Loans
6.04%
76 - 84 Months
▼
APR6.04%
Term76 - 84 Months
Last UpdatedJun 16, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
113 Research Dr, Bethlehem, PA, 18015 4731
New & Used Auto Loans
6.14%
64 - 75 Months
▼
APR6.14%
Term64 - 75 Months
Last UpdatedJun 16, 2026
Details
As Low As; Vehicle Value (Minimum): $12,000.00; Loan Amount (Minimum): $4,000.00
Bethlehem 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
2317 Easton Ave, Bethlehem, PA, 18017 5009
Used Vehicles (2019-2025) Loan
6.24%
6 Years
▼
APR6.24%
Term6 Years
Last UpdatedJun 16, 2026
Details
APR as low as; **
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
113 Research Dr, Bethlehem, PA, 18015 4731
New & Used Auto Loans
6.54%
76 - 84 Months
▼
APR6.54%
Term76 - 84 Months
Last UpdatedJun 16, 2026
Details
As Low As; Vehicle Value (Minimum): $20,000.00; Loan Amount (Minimum): $6,000.00
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
113 Research Dr, Bethlehem, PA, 18015 4731
New & Used Auto Loans
6.79%
85 - 96 Months
▼
APR6.79%
Term85 - 96 Months
Last UpdatedJun 16, 2026
Details
As Low As; Vehicle Value (Minimum): $40,000.00; Loan Amount (Minimum): $12,000.00
Bethlehem 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
2317 Easton Ave, Bethlehem, PA, 18017 5009
Used Vehicles (2019-2025) Loan
6.99%
7 Years
▼
APR6.99%
Term7 Years
Last UpdatedJun 16, 2026
Details
APR as low as; **
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
113 Research Dr, Bethlehem, PA, 18015 4731
New & Used Auto Loans
7.04%
85 - 96 Months
▼
APR7.04%
Term85 - 96 Months
Last UpdatedJun 16, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
113 Research Dr, Bethlehem, PA, 18015 4731
New & Used Auto Loans
7.54%
85 - 96 Months
▼
APR7.54%
Term85 - 96 Months
Last UpdatedJun 16, 2026
Details
As Low As; Vehicle Value (Minimum): $40,000.00; Loan Amount (Minimum): $12,000.00
Unity Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
2850 Easton Ave, Bethlehem, PA, 18017
Used Auto Loans (2023 to 2025)
8.25%
12-60 months
▼
APR8.25%
Term12-60 months
Last UpdatedJun 16, 2026
Details
Unity Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
2850 Easton Ave, Bethlehem, PA, 18017
Used Auto Loans (2023 to 2025) 12-60 months
8.25%
5 Months
▼
APR8.25%
Term5 Months
Last UpdatedJun 16, 2026
Details
Unity Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
2850 Easton Ave, Bethlehem, PA, 18017
Used Auto Loans (2021 to 2022)
9.00%
12-48 months
▼
APR9.00%
Term12-48 months
Last UpdatedJun 16, 2026
Details
Unity Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
2850 Easton Ave, Bethlehem, PA, 18017
Used Auto Loans (2021 to 2022) 12-48 months
9.00%
4 Months
▼
APR9.00%
Term4 Months
Last UpdatedJun 16, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
2.99%
Up to 36 Months
▼
APR2.99%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: All Years. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
Used Autos
3.49%
Up to 40 Months
▼
APR3.49%
TermUp to 40 Months
Last UpdatedJun 16, 2026
Details
VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 8.57%
Used Vehicle Loan
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedJun 16, 2026
Details
2016-2019
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Used Vehicles - (3-4 Years Old) JD Power Book Price - 90% Financed Loan
3.75%
12 mos.
▼
APR3.75%
Term12 mos.
Last UpdatedJun 16, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Used Vehicles - (5 Years & Older) JD Power Book Price - 85% Financed Loan
3.75%
12 mos.
▼
APR3.75%
Term12 mos.
Last UpdatedJun 16, 2026
Details
APR*
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Used Vehicles - Up To 2 Years Old - 100% Financed Loan
3.75%
12 mos.
▼
APR3.75%
Term12 mos.
Last UpdatedJun 16, 2026
Details
APR*
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
3.75%
Up to 48 Months
▼
APR3.75%
TermUp to 48 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: All Years. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles Loan
3.75%
48 months
▼
APR3.75%
Term48 months
Last UpdatedJun 16, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As low as
Citymark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
Used Car Loan
3.99%
Up to 96 months
▼
APR3.99%
TermUp to 96 months
Last UpdatedJun 16, 2026
Details
As Low As; * (based on credit score)
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
4.00%
Up to 60 Months
▼
APR4.00%
TermUp to 60 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: All Years. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles Loan
4.00%
60 months
▼
APR4.00%
Term60 months
Last UpdatedJun 16, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
New or Used Vehicles Loan
4.15%
3 YEAR REPAY
▼
APR4.15%
Term3 YEAR REPAY
Last UpdatedJun 16, 2026
Details
As Low As; 2025 to 2026
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
New / Used Auto (2021 - 2026)
4.19%
36 Months
▼
APR4.19%
Term36 Months
Last UpdatedJun 16, 2026
Details
1 Rates shown are for new and used vehicles model years 2021-2026. 2 See dealer for details.
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Car Loan
4.24%
24 months
▼
APR4.24%
Term24 months
Last UpdatedJun 16, 2026
Details
Model Year 2027-2024
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
Used Car Loans 2024 - 2026 models
4.25%
3 years
▼
APR4.25%
Term3 years
Last UpdatedJun 16, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
New or Used Vehicles Loan
4.25%
4 YEAR REPAY
▼
APR4.25%
Term4 YEAR REPAY
Last UpdatedJun 16, 2026
Details
As Low As; 2025 to 2026
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
▼
APR4.25%
TermUp to 36 months
Last UpdatedJun 16, 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 Loan
4.25%
72 months
▼
APR4.25%
Term72 months
Last UpdatedJun 16, 2026
Details
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Autos 2021 and newer
4.25%
Up to 36 months 80-90% NADA retail
▼
APR4.25%
TermUp to 36 months 80-90% NADA retail
Last UpdatedJun 16, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
New / Used Car, Truck, SUV Loan (2021 - 2026)
4.29%
36 Months
▼
APR4.29%
Term36 Months
Last UpdatedJun 16, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
New / Used vehicle 2021-2026 Loan
4.29%
36-60 months
▼
APR4.29%
Term36-60 months
Last UpdatedJun 16, 2026
Details
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
Used Autos
4.37%
41 - 52 months
▼
APR4.37%
Term41 - 52 months
Last UpdatedJun 16, 2026
Details
Choice One Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.18%
New/Used Car Loans
4.49%
Up to 84 months
▼
APR4.49%
TermUp to 84 months
Last UpdatedJun 16, 2026
Details
As Low As; This rate includes the .25% discount with Auto Pay.
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
Used Autos
4.49%
Up to 52 months
▼
APR4.49%
TermUp to 52 months
Last UpdatedJun 16, 2026
Details
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Car Loan
4.49%
36 months
▼
APR4.49%
Term36 months
Last UpdatedJun 16, 2026
Details
Model Year 2027-2024
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
New / Used Car, Truck, SUV Loan (2021 - 2026)
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedJun 16, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
New / Used vehicle 2020 & older Loan
4.49%
36-48 months
▼
APR4.49%
Term36-48 months
Last UpdatedJun 16, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
New / Used vehicle 2021-2026 Loan
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedJun 16, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
Used Car, Truck, SUV Loans (2020 & older)
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedJun 16, 2026
Details
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
Used 2024 - 2025 Auto Loan
4.49%
24 month
▼
APR4.49%
Term24 month
Last UpdatedJun 16, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
New or Used Vehicles Loan
4.49%
up to 36 months
▼
APR4.49%
Termup to 36 months
Last UpdatedJun 16, 2026
Details
As Low As; w/ Auto Pay Discount: 4.39%
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
4.50%
Up to 72 Months
▼
APR4.50%
TermUp to 72 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: 2020 or Newer. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
Used Car Loans 2024 - 2026 models
4.50%
4 years
▼
APR4.50%
Term4 years
Last UpdatedJun 16, 2026
Details
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
▼
APR4.50%
Term48 - 60 months
Last UpdatedJun 16, 2026
Details
80-90% NADA retail
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Autos 2021 and newer
4.50%
48 to 60 months 80-90% NADA retail
▼
APR4.50%
Term48 to 60 months 80-90% NADA retail
Last UpdatedJun 16, 2026
Details
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New & Used Auto Loans (2020 and Newer) - 750+
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedJun 16, 2026
Details
VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 8.57%
Used Vehicle Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedJun 16, 2026
Details
2022 - NEWER
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
New / Used Car, Truck, SUV Loan (2021 - 2026)
4.59%
84 Months
▼
APR4.59%
Term84 Months
Last UpdatedJun 16, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto
4.59%
Up to 60 months
▼
APR4.59%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
As low as
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
Used 2024 - 2025 Auto Loan
4.64%
36 month
▼
APR4.64%
Term36 month
Last UpdatedJun 16, 2026
Details
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
New / Used Auto (2021 - 2026)
4.69%
60 Months
▼
APR4.69%
Term60 Months
Last UpdatedJun 16, 2026
Details
1 Rates shown are for new and used vehicles model years 2021-2026. 2 See dealer for details.
Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.40%
Used Vehicle Loan
4.69%
Up to 36 Months
▼
APR4.69%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
Some Restrictions Apply Vehicles 2017 or newer
Lehigh Valley Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Used Auto Loan
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedJun 16, 2026
Details
As Low As
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
Used Autos
4.74%
53 - 64 months
▼
APR4.74%
Term53 - 64 months
Last UpdatedJun 16, 2026
Details
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Car Loan
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedJun 16, 2026
Details
Model Year 2027-2024
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
Used Auto Loans Model Years 2021-2023
4.74%
up to 60 months
▼
APR4.74%
Termup to 60 months
Last UpdatedJun 16, 2026
Details
Model Years 2021-2023
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
Used Car Loans 2024 - 2026 models
4.75%
5 & 6 years
▼
APR4.75%
Term5 & 6 years
Last UpdatedJun 16, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
New or Used Vehicles Loan
4.75%
5 YEAR REPAY
▼
APR4.75%
Term5 YEAR REPAY
Last UpdatedJun 16, 2026
Details
As Low As; 2025 to 2026
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles Loan
4.75%
84 months
▼
APR4.75%
Term84 months
Last UpdatedJun 16, 2026
Details
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
Used Vehicles Loan
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedJun 16, 2026
Details
As Low As
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New & Used Auto Loans (2020 and Newer) - 700 - 749
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedJun 16, 2026
Details
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New & Used Auto Loans (2020 and Newer) - 750+
4.75%
72 months
▼
APR4.75%
Term72 months
Last UpdatedJun 16, 2026
Details
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
Used Auto Loans (2019 and Older) 750+
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedJun 16, 2026
Details
VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 8.57%
Used Vehicle Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedJun 16, 2026
Details
2022 - NEWER**
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
Used 2024 - 2025 Auto Loan
4.79%
48 month
▼
APR4.79%
Term48 month
Last UpdatedJun 16, 2026
Details
USX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New and Used Vehicles Model years 2026-2025-2024-2023 Up to 48 months Loan
4.89%
48 months
▼
APR4.89%
Term48 months
Last UpdatedJun 11, 2026
Details
Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.40%
Used Vehicle Loan
4.89%
Up to 48 Months
▼
APR4.89%
TermUp to 48 Months
Last UpdatedJun 16, 2026
Details
Some Restrictions Apply Vehicles 2017 or newer
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
Used Car Loans 2014 - 2023 models
4.90%
4 years
▼
APR4.90%
Term4 years
Last UpdatedJun 16, 2026
Details
P&G Mehoopany Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
New and Used Auto Loan
4.90%
Up to 96 Months
▼
APR4.90%
TermUp to 96 Months
Last UpdatedJun 16, 2026
Details
UFCW LOCAL 23
Institution Rating:
A+5.0 ★ Texas Ratio: 5.17%
Used Auto 2024-2022
4.90%
5 years
▼
APR4.90%
Term5 years
Last UpdatedJun 16, 2026
Details
Max Limit: $45,000.00
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
Used Auto Loans Model Years 2021-2023
4.94%
72 months
▼
APR4.94%
Term72 months
Last UpdatedJun 16, 2026
Details
Model Years 2021-2023
Omega Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.90%
Used Auto
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedJun 11, 2026
Details
As Low As
West Aircomm Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.51%
Used Vehicle (2019-2025) Loan
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedJun 16, 2026
Details
United Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
Used Automobile (2025-2023 Model Years)
4.99%
60 Mos
▼
APR4.99%
Term60 Mos
Last UpdatedJun 16, 2026
Details
As Low As
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
Used Autos
4.99%
65 - 76 months
▼
APR4.99%
Term65 - 76 months
Last UpdatedJun 16, 2026
Details
CACL Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.85%
Older Used Vehicle Loan
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedJun 16, 2026
Details
CACL Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.85%
Used Vehicle Loan
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedJun 16, 2026
Details
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Car Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedJun 16, 2026
Details
Model Year 2027-2024 (Min. value of car $15,000)
Westmoreland Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.14%
Used Vehicles Loan
4.99%
60 or less months
▼
APR4.99%
Term60 or less months
Last UpdatedJun 16, 2026
Details
As low as 4.99%; (2025-2026)
Top Tier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.18%
New & Used Auto
4.99%
Up to 72 months
▼
APR4.99%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details
As Low As; Model Years 2026-2023
Upper Darby Bell Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
Used Car Loans (Model Year 2019 - 2025) 24 months
4.99%
24 months
▼
APR4.99%
Term24 months
Last UpdatedJun 16, 2026
Details
As Low As
Upper Darby Bell Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
Used Car Loans (Model Year 2019 - 2025) 36 months
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedJun 16, 2026
Details
As Low As
Upper Darby Bell Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
Used Car Loans (Model Year 2019 - 2025) 48 months
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedJun 16, 2026
Details
As Low As
Visionary Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
Used Vehicle Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedJun 16, 2026
Details
2024 - 2026; As Low As
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MonitorBankRates
Bethlehem, PA Auto Loan Rate Trends
Compare local Bethlehem, 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.
New Auto Loan — PA Avg
5.795%
▲ 0.037 vs 7 days ago
Pennsylvania new auto rates rose 0.037 points over the past 7 days to 5.795% APR.
Used Auto Loan — PA Avg
7.584%
▼ 0.149 vs 7 days ago
Pennsylvania used auto rates fell 0.149 points over the past 7 days to 7.584% APR.
As of Jun 20, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Bethlehem, 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.
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Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Bethlehem, 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 Bethlehem, 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 Bethlehem, 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 Bethlehem, 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 Bethlehem, 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 Bethlehem, Pennsylvania?
Based on our current data, some of the lowest auto loan rates available in Bethlehem, Pennsylvania include:
- Bethlehem 1st Federal Credit Union: 4.99% (New Vehicle Loan)
- First Commonwealth Federal Credit Union: 4.99% (Auto Loan - New)
- Allentown Federal Credit Union: 4.99% (Car Loans)
- Members 1st Federal Credit Union Enola, PA: 5.09% (Auto Loan)
- Pennsylvania State Employees Credit Union: 5.19% (New & Used Auto Loans)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Bethlehem, Pennsylvania. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: June 16, 2026
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