Auto Loan Rates in Bethlehem, Pennsylvania (PA) for May 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
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 Pennsylvania State Employees Credit UnionPennsylvania State Employees Credit Union113 Research Dr, Bethlehem, PA, 18015 4731A+5.0 ★Texas Ratio: 5.69% offering Auto Loan Refinance at 4.69%, Members 1st Federal Credit Union Enola, PAMembers 1st Federal Credit Union Enola, PA2200 Emrick Blvd, Bethlehem, PA, 18020A+5.0 ★Texas Ratio: 5.20% offering Auto Loan at 4.94%, Bethlehem 1st Federal Credit UnionBethlehem 1st Federal Credit Union2317 Easton Ave, Bethlehem, PA, 18017 5009A+5.0 ★Texas Ratio: 1.60% offering New Vehicle at 4.99%, People First Federal Credit UnionPeople First Federal Credit Union2259 Schoenersville Rd, Bethlehem, PA, 18017 7418A5.0 ★Texas Ratio: 8.04% offering New Auto Loan at 4.99%, Allentown Federal Credit UnionAllentown Federal Credit Union801 Ostrum St, Bethlehem, PA, 18015A5.0 ★Texas Ratio: 9.11% offering New Car - 2026 - 2025 (never titled) at 4.99%. Auto loan rates as of May 4, 2026 according to verified data from MonitorBankRates.
Bethlehem has 6 local institutions in our database, with auto loan rates as low as 4.69% APR from Pennsylvania State Employees Credit Union at 113 Research Dr, Bethlehem, PA, 18015 4731. 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: May 4, 2026
Compare Auto Loan Rates Today in Bethlehem, Pennsylvania & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
113 Research Dr, Bethlehem, PA, 18015 4731
Auto Loan Refinance
4.69%
1 - 63
▼
APR4.69%
Term1 - 63
Last UpdatedApr 19, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
113 Research Dr, Bethlehem, PA, 18015 4731
Auto Loan Refinance
4.89%
64 - 75
▼
APR4.89%
Term64 - 75
Last UpdatedApr 19, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
113 Research Dr, Bethlehem, PA, 18015 4731
Auto Loan Refinance
4.94%
1 - 63
▼
APR4.94%
Term1 - 63
Last UpdatedApr 19, 2026
Details
As Low As
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★ Texas Ratio: 5.20%
2200 Emrick Blvd, Bethlehem, PA, 18020
Auto Loan
4.94%
12 Months
▼
APR4.94%
Term12 Months
Last UpdatedApr 25, 2026
Details
Rates As Low As
Bethlehem 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
2317 Easton Ave, Bethlehem, PA, 18017 5009
New Vehicle
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedApr 17, 2026
Details
As Low As
Bethlehem 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
2317 Easton Ave, Bethlehem, PA, 18017 5009
Used Vehicles (2019-2025)
4.99%
1-4 Years
▼
APR4.99%
Term1-4 Years
Last UpdatedApr 17, 2026
Details
As Low As
People First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.04%
2259 Schoenersville Rd, Bethlehem, PA, 18017 7418
New Auto Loan
4.99%
Up to 66 months
▼
APR4.99%
TermUp to 66 months
Last UpdatedApr 25, 2026
Details
As Low As; 4.99%
Allentown Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.11%
801 Ostrum St, Bethlehem, PA, 18015
New Car - 2026 - 2025 (never titled)
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 2, 2026
Details
Allentown Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.11%
801 Ostrum St, Bethlehem, PA, 18015
Used Car - 2021 - 2025
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 2, 2026
Details
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
113 Research Dr, Bethlehem, PA, 18015 4731
Auto Loan Refinance
5.14%
64 - 75
▼
APR5.14%
Term64 - 75
Last UpdatedApr 19, 2026
Details
As Low As
People First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.04%
2259 Schoenersville Rd, Bethlehem, PA, 18017 7418
Used Auto Loan
5.25%
Up to 66 months
▼
APR5.25%
TermUp to 66 months
Last UpdatedApr 25, 2026
Details
As Low As; 5.25%
Allentown Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.11%
801 Ostrum St, Bethlehem, PA, 18015
New Car - 2026 - 2025 (never titled)
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedMay 2, 2026
Details
Allentown Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.11%
801 Ostrum St, Bethlehem, PA, 18015
Used Car - 2021 - 2025
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedMay 2, 2026
Details
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
113 Research Dr, Bethlehem, PA, 18015 4731
Auto Loan Refinance
5.29%
76 - 84
▼
APR5.29%
Term76 - 84
Last UpdatedApr 19, 2026
Details
As Low As
People First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.04%
2259 Schoenersville Rd, Bethlehem, PA, 18017 7418
New Auto Loan
5.39%
67-75 months
▼
APR5.39%
Term67-75 months
Last UpdatedApr 25, 2026
Details
As Low As; 5.39%
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
113 Research Dr, Bethlehem, PA, 18015 4731
Auto Loan Refinance
5.44%
1 - 63
▼
APR5.44%
Term1 - 63
Last UpdatedApr 19, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
113 Research Dr, Bethlehem, PA, 18015 4731
New & Used Auto Loans
5.44%
1 - 63
▼
APR5.44%
Term1 - 63
Last UpdatedApr 19, 2026
Details
As Low As
Bethlehem 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
2317 Easton Ave, Bethlehem, PA, 18017 5009
New Vehicle
5.49%
5 Years
▼
APR5.49%
Term5 Years
Last UpdatedApr 17, 2026
Details
As Low As
People First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.04%
2259 Schoenersville Rd, Bethlehem, PA, 18017 7418
Used Auto Loan
5.49%
67-75 months
▼
APR5.49%
Term67-75 months
Last UpdatedApr 25, 2026
Details
As Low As; 5.49%
Allentown Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.11%
801 Ostrum St, Bethlehem, PA, 18015
New Car - 2026 - 2025 (never titled)
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedMay 2, 2026
Details
Allentown Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.11%
801 Ostrum St, Bethlehem, PA, 18015
Used Car - 2021 - 2025
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedMay 2, 2026
Details
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
113 Research Dr, Bethlehem, PA, 18015 4731
Auto Loan Refinance
5.54%
76 - 84
▼
APR5.54%
Term76 - 84
Last UpdatedApr 19, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
113 Research Dr, Bethlehem, PA, 18015 4731
Auto Loan Refinance
5.64%
64 - 75
▼
APR5.64%
Term64 - 75
Last UpdatedApr 19, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
113 Research Dr, Bethlehem, PA, 18015 4731
New & Used Auto Loans
5.64%
64 - 75
▼
APR5.64%
Term64 - 75
Last UpdatedApr 19, 2026
Details
As Low As
Bethlehem 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
2317 Easton Ave, Bethlehem, PA, 18017 5009
New Vehicle
5.74%
6 Years
▼
APR5.74%
Term6 Years
Last UpdatedApr 17, 2026
Details
As Low As
Bethlehem 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
2317 Easton Ave, Bethlehem, PA, 18017 5009
Used Vehicles (2019-2025)
5.74%
5 Years
▼
APR5.74%
Term5 Years
Last UpdatedApr 17, 2026
Details
As Low As
People First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.04%
2259 Schoenersville Rd, Bethlehem, PA, 18017 7418
Used Auto Loan
5.89%
76-84 months
▼
APR5.89%
Term76-84 months
Last UpdatedApr 25, 2026
Details
As Low As; 5.89%
People First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.04%
2259 Schoenersville Rd, Bethlehem, PA, 18017 7418
New Auto Loan
5.99%
76-84 months
▼
APR5.99%
Term76-84 months
Last UpdatedApr 25, 2026
Details
As Low As; 5.99%
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
113 Research Dr, Bethlehem, PA, 18015 4731
Auto Loan Refinance
6.04%
76 - 84
▼
APR6.04%
Term76 - 84
Last UpdatedApr 19, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
113 Research Dr, Bethlehem, PA, 18015 4731
New & Used Auto Loans
6.04%
76 - 84
▼
APR6.04%
Term76 - 84
Last UpdatedApr 19, 2026
Details
As Low As
Bethlehem 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
2317 Easton Ave, Bethlehem, PA, 18017 5009
New Vehicle
6.24%
7 Years
▼
APR6.24%
Term7 Years
Last UpdatedApr 17, 2026
Details
As Low As
Bethlehem 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
2317 Easton Ave, Bethlehem, PA, 18017 5009
Used Vehicles (2019-2025)
6.24%
6 Years
▼
APR6.24%
Term6 Years
Last UpdatedApr 17, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
113 Research Dr, Bethlehem, PA, 18015 4731
Auto Loan Refinance
6.29%
85 - 96
▼
APR6.29%
Term85 - 96
Last UpdatedApr 19, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
113 Research Dr, Bethlehem, PA, 18015 4731
Auto Loan Refinance
6.54%
85 - 96
▼
APR6.54%
Term85 - 96
Last UpdatedApr 19, 2026
Details
As Low As
Bethlehem 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
2317 Easton Ave, Bethlehem, PA, 18017 5009
Used Vehicles (2019-2025)
6.99%
7 Years
▼
APR6.99%
Term7 Years
Last UpdatedApr 17, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
113 Research Dr, Bethlehem, PA, 18015 4731
Auto Loan Refinance
7.04%
85 - 96
▼
APR7.04%
Term85 - 96
Last UpdatedApr 19, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
113 Research Dr, Bethlehem, PA, 18015 4731
New & Used Auto Loans
7.04%
85 - 96
▼
APR7.04%
Term85 - 96
Last UpdatedApr 19, 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) 12-60 months
7.50%
5 Months
▼
APR7.50%
Term5 Months
Last UpdatedMay 4, 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 UpdatedMay 4, 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 UpdatedMay 4, 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 UpdatedMay 4, 2026
Details
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★ Texas Ratio: 5.20%
2200 Emrick Blvd, Bethlehem, PA, 18020
Recreation Vehicle Loan
9.54%
12 Months
▼
APR9.54%
Term12 Months
Last UpdatedApr 25, 2026
Details
Rates As Low As
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★ Texas Ratio: 5.20%
2200 Emrick Blvd, Bethlehem, PA, 18020
Recreation Vehicle Loan
9.79%
48 Months
▼
APR9.79%
Term48 Months
Last UpdatedApr 25, 2026
Details
Rates As Low As
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★ Texas Ratio: 5.20%
2200 Emrick Blvd, Bethlehem, PA, 18020
Recreation Vehicle Loan
10.29%
72 Months
▼
APR10.29%
Term72 Months
Last UpdatedApr 25, 2026
Details
Rates As Low As
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
New Vehicles
2.75%
12 Months
▼
APR2.75%
Term12 Months
Last UpdatedApr 17, 2026
Details
APR3.49%
Term36 Months
Last UpdatedMay 2, 2026
Details
Zero Down Payment
APR3.49%
Term36 Months
Last UpdatedMay 2, 2026
Details
2016-2019
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedApr 27, 2026
Details
As Low As
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
Used Vehicles - (3-4 Years Old) JD Power Book Price - 90% Financed
3.75%
12 Months
▼
APR3.75%
Term12 Months
Last UpdatedApr 17, 2026
Details
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
Used Vehicles - (5 Years & Older) JD Power Book Price - 85% Financed
3.75%
12 Months
▼
APR3.75%
Term12 Months
Last UpdatedApr 17, 2026
Details
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
Used Vehicles - Up To 2 Years Old - 100% Financed
3.75%
12 Months
▼
APR3.75%
Term12 Months
Last UpdatedApr 17, 2026
Details
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New Vehicles
3.75%
up to 84 Months
▼
APR3.75%
Termup to 84 Months
Last UpdatedApr 27, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.95%
Up to 36 Months
▼
APR3.95%
TermUp to 36 Months
Last UpdatedApr 25, 2026
Details
Stanwood Area Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.48%
New Auto
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 17, 2026
Details
UFCW Local 1776 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicles
3.99%
5 Months
▼
APR3.99%
Term5 Months
Last UpdatedApr 18, 2026
Details
As Low As; * For Qualified Buyer
Mountain Laurel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
New Vehicle (2025- 2026)
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Mountain Laurel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
Used Vehicle (2018 - 2025)
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Citymark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
New Car
3.99%
Up to 96 months
▼
APR3.99%
TermUp to 96 months
Last UpdatedApr 26, 2026
Details
As low as 3.99%* (based on credit score)
Citymark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
Used Car
3.99%
Up to 96 months
▼
APR3.99%
TermUp to 96 months
Last UpdatedApr 26, 2026
Details
As low as 3.99%* (based on credit score)
Freedom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.12%
Auto Loan
3.99%
1 - 66 mos.
▼
APR3.99%
Term1 - 66 mos.
Last UpdatedMay 2, 2026
Details
As Low As
HERITAGE VALLEY
Institution Rating:
A-4.9 ★ Texas Ratio: 15.90%
2024 Auto Loan
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As
HERITAGE VALLEY
Institution Rating:
A-4.9 ★ Texas Ratio: 15.90%
2025 - 2026 Auto Loan
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As
G.A.P. Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Vehicle (2026, 2025)
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedApr 17, 2026
Details
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 UpdatedApr 18, 2026
Details
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★
New Autos
4.00%
Up to 36 months
▼
APR4.00%
TermUp to 36 months
Last UpdatedMay 2, 2026
Details
APR4.00%
Term60 Months
Last UpdatedMay 2, 2026
Details
Zero Down Payment
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.05%
Up to 48 Months
▼
APR4.05%
TermUp to 48 Months
Last UpdatedApr 25, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.15%
Up to 60 Months
▼
APR4.15%
TermUp to 60 Months
Last UpdatedApr 25, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles - 3 Year Repay
4.15%
3 YEAR REPAY
▼
APR4.15%
Term3 YEAR REPAY
Last UpdatedApr 26, 2026
Details
As Low As
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 3 Year Repay
4.15%
3 YEAR REPAY
▼
APR4.15%
Term3 YEAR REPAY
Last UpdatedApr 26, 2026
Details
As Low As; 2025 to 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.20%
Up to 36 Months
▼
APR4.20%
TermUp to 36 Months
Last UpdatedApr 25, 2026
Details
Allegheny Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
New Vehicle Loan
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedApr 17, 2026
Details
As Low As; Current Year + 2 Years
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Car 24 months
4.24%
24 months
▼
APR4.24%
Term24 months
Last UpdatedApr 25, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedApr 27, 2026
Details
As Low As
APR4.24%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As; 2025 & newer
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 UpdatedApr 18, 2026
Details
80-90% NADA retail
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles - 4 Year Repay
4.25%
4 YEAR REPAY
▼
APR4.25%
Term4 YEAR REPAY
Last UpdatedApr 26, 2026
Details
As Low As
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 4 Year Repay
4.25%
4 YEAR REPAY
▼
APR4.25%
Term4 YEAR REPAY
Last UpdatedApr 26, 2026
Details
As Low As; 2025 to 2026
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★
Used Autos 2021 and newer
4.25%
Up to 36 months 80-90% NADA retail
▼
APR4.25%
TermUp to 36 months 80-90% NADA retail
Last UpdatedMay 2, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.30%
Up to 48 Months
▼
APR4.30%
TermUp to 48 Months
Last UpdatedApr 25, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
Auto Loans
4.39%
up to 36 months
▼
APR4.39%
Termup to 36 months
Last UpdatedMay 2, 2026
Details
As Low As; w/ Auto Pay Discount
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
NEW or USED vehicles
4.39%
up to 36
▼
APR4.39%
Termup to 36
Last UpdatedMay 2, 2026
Details
As Low As; w/ Auto Pay Discount
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.40%
Up to 60 Months
▼
APR4.40%
TermUp to 60 Months
Last UpdatedApr 25, 2026
Details
APR4.44%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As; 2024 & Older
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.45%
Up to 72 Months
▼
APR4.45%
TermUp to 72 Months
Last UpdatedApr 25, 2026
Details
Allegheny Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
New Vehicle Loan
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As; Current Year + 2 Years
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Car 36 months
4.49%
36 months
▼
APR4.49%
Term36 months
Last UpdatedApr 25, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedApr 27, 2026
Details
As Low As
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
New Vehicles
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 27, 2026
Details
Freedom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.12%
Auto Loan
4.49%
67 - 75 mos.
▼
APR4.49%
Term67 - 75 mos.
Last UpdatedMay 2, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
Auto Loans
4.49%
up to 36 months
▼
APR4.49%
Termup to 36 months
Last UpdatedMay 2, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
NEW or USED vehicles
4.49%
up to 36
▼
APR4.49%
Termup to 36
Last UpdatedMay 2, 2026
Details
As Low As
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.41%
New Auto Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.41%
New Vehicles
4.50%
up to 60
▼
APR4.50%
Termup to 60
Last UpdatedApr 17, 2026
Details
As Low As; $5,000 min
Elliott Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
New Vehicle
4.50%
24 months
▼
APR4.50%
Term24 months
Last UpdatedApr 17, 2026
Details
As Low As
Locomotive And Control Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
New Vehicle Loan
4.50%
36 Month
▼
APR4.50%
Term36 Month
Last UpdatedApr 17, 2026
Details
G.A.P. Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Vehicle (2026, 2025)
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedApr 17, 2026
Details
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 UpdatedApr 18, 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 UpdatedApr 18, 2026
Details
80-90% NADA retail
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★
New Autos
4.50%
48 to 60 months 100% MSRP
▼
APR4.50%
Term48 to 60 months 100% MSRP
Last UpdatedMay 2, 2026
Details
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★
Used Autos 2021 and newer
4.50%
48 to 60 months 80-90% NADA retail
▼
APR4.50%
Term48 to 60 months 80-90% NADA retail
Last UpdatedMay 2, 2026
Details
Alcose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Vehicles 2025 - 2026
4.50%
Up to 48 Months
▼
APR4.50%
TermUp to 48 Months
Last UpdatedMay 2, 2026
Details
as low as
Alcose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Vehicles 2025- 2026
4.50%
Up to 48 Months
▼
APR4.50%
TermUp to 48 Months
Last UpdatedMay 2, 2026
Details
As Low As
APR4.50%
Term72 Months
Last UpdatedMay 2, 2026
Details
Zero Down Payment
APR4.50%
Term60 Months
Last UpdatedMay 2, 2026
Details
2022 - NEWER
APR4.50%
Term72 months
Last UpdatedMay 2, 2026
Details
APR4.64%
Term49-60
Last UpdatedMay 2, 2026
Details
As Low As; 2024 & Older
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.65%
Up to 36 Months
▼
APR4.65%
TermUp to 36 Months
Last UpdatedApr 25, 2026
Details
Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.48%
New Vehicle Loan
4.69%
Up to 36 Months
▼
APR4.69%
TermUp to 36 Months
Last UpdatedMay 2, 2026
Details
Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.48%
Used Vehicle Loan
4.69%
Up to 36 Months
▼
APR4.69%
TermUp to 36 Months
Last UpdatedMay 2, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
New Auto Loans 24 Months A+
4.70%
24 Months
▼
APR4.70%
Term24 Months
Last UpdatedApr 17, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.70%
Up to 72 Months
▼
APR4.70%
TermUp to 72 Months
Last UpdatedApr 25, 2026
Details
Fayette County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Vehicles (Up to 36 mos.)
4.70%
Up to 36 mos.
▼
APR4.70%
TermUp to 36 mos.
Last UpdatedMay 2, 2026
Details
Allegheny Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
New Vehicle Loan
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As; Current Year + 2 Years
United Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
New Automobile (2026 and 2025 Model Years)
4.74%
60 Mos
▼
APR4.74%
Term60 Mos
Last UpdatedApr 25, 2026
Details
As Low As
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
new auto loans - Model Years 2024-2026
4.74%
up to 60 months
▼
APR4.74%
Termup to 60 months
Last UpdatedApr 26, 2026
Details
APR4.74%
Term61-75
Last UpdatedMay 2, 2026
Details
As Low As; 2025 & newer
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.41%
New Vehicles
4.75%
61 to 72
▼
APR4.75%
Term61 to 72
Last UpdatedApr 17, 2026
Details
As Low As; $15,000 min
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
New Auto Loans 24 Months A
4.75%
24 Months
▼
APR4.75%
Term24 Months
Last UpdatedApr 17, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.75%
Up to 48 Months
▼
APR4.75%
TermUp to 48 Months
Last UpdatedApr 25, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles - 5 Year Repay
4.75%
5 YEAR REPAY
▼
APR4.75%
Term5 YEAR REPAY
Last UpdatedApr 26, 2026
Details
As Low As
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 5 Year Repay
4.75%
5 YEAR REPAY
▼
APR4.75%
Term5 YEAR REPAY
Last UpdatedApr 26, 2026
Details
As Low As; 2025 to 2026
Visionary Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.88%
New Vehicle - 2025 and Newer
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedApr 26, 2026
Details
As Low As; ...
Altoona Area Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
Used Auto Loans
4.75%
Up to 60 months
▼
APR4.75%
TermUp to 60 months
Last UpdatedApr 27, 2026
Details
*Depends on credit score; Only used vehicles less than 5 years old
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
Used Vehicles
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedApr 27, 2026
Details
APR4.75%
Term72 Months
Last UpdatedMay 2, 2026
Details
2022 - NEWER**
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
New Auto Loans 36 Months A+
4.80%
36 Months
▼
APR4.80%
Term36 Months
Last UpdatedApr 17, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
New Auto Loans 36 Months A
4.85%
36 Months
▼
APR4.85%
Term36 Months
Last UpdatedApr 17, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.85%
Up to 60 Months
▼
APR4.85%
TermUp to 60 Months
Last UpdatedApr 25, 2026
Details
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Car 48 months
4.87%
48 months
▼
APR4.87%
Term48 months
Last UpdatedApr 25, 2026
Details
Choice One Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.55%
Auto Loan
4.89%
84 Months
▼
APR4.89%
Term84 Months
Last UpdatedApr 17, 2026
Details
As Low As; With terms up to 84 Months; 110% Financing on Vehicles; *This rate includes the .25% discount for Auto Pay.
Choice One Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.55%
New Car Loan
4.89%
84 Months
▼
APR4.89%
Term84 Months
Last UpdatedApr 17, 2026
Details
As Low As; With terms up to 84 Months; 110% Financing on Vehicles; *This rate includes the .25% discount for Auto Pay.
Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.48%
Used Vehicle Loan
4.89%
Up to 48 Months
▼
APR4.89%
TermUp to 48 Months
Last UpdatedMay 2, 2026
Details
USX
Institution Rating:
A+5.0 ★ Texas Ratio: 5.49%
New and Used Vehicles Model years 2026-2025-2024-2023
4.89%
Up to 48
▼
APR4.89%
TermUp to 48
Last UpdatedMay 2, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
Auto Loans
4.89%
37 - 48 months
▼
APR4.89%
Term37 - 48 months
Last UpdatedMay 2, 2026
Details
As Low As; w/ Auto Pay Discount
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
NEW or USED vehicles
4.89%
37 - 48
▼
APR4.89%
Term37 - 48
Last UpdatedMay 2, 2026
Details
As Low As; w/ Auto Pay Discount
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
New Auto Loans 24 Months B
4.90%
24 Months
▼
APR4.90%
Term24 Months
Last UpdatedApr 17, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
New Auto Loans 48 Months A+
4.90%
48 Months
▼
APR4.90%
Term48 Months
Last UpdatedApr 17, 2026
Details
P&G Mehoopany Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
New and Used Auto Loan
4.90%
Up to 96 Months
▼
APR4.90%
TermUp to 96 Months
Last UpdatedApr 18, 2026
Details
Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.48%
New Vehicle Loan
4.90%
Up to 48 Months
▼
APR4.90%
TermUp to 48 Months
Last UpdatedMay 2, 2026
Details
APR4.94%
Term61-75
Last UpdatedMay 2, 2026
Details
As Low As; 2024 & Older
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
New Auto Loans 48 Months A
4.95%
48 Months
▼
APR4.95%
Term48 Months
Last UpdatedApr 17, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
New Auto Loans 63 Months A+
4.95%
63 Months
▼
APR4.95%
Term63 Months
Last UpdatedApr 17, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
Used Auto Loans
4.95%
24 Months
▼
APR4.95%
Term24 Months
Last UpdatedApr 17, 2026
Details
Credit Rating: A+
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.63%
New Vehicle Loans (2026-2025) †3 Years
4.99%
3 Months
▼
APR4.99%
Term3 Months
Last UpdatedApr 17, 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 UpdatedApr 17, 2026
Details
As Low As
Pennsylvania Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
Auto Loans
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedApr 17, 2026
Details
Low Rate
Top Tier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.44%
Auto Loan
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 17, 2026
Details
Intro rate expires: 3 month; Regular APR: 4.99%
Top Tier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.44%
New & Used Auto (2026-2023)
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As
Benchmark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Auto Loans - 2023-2026 MODEL YEAR
4.99%
2026 Mo
▼
APR4.99%
Term2026 Mo
Last UpdatedApr 17, 2026
Details
Upper Darby Bell Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
Used Car Loans (Model Year 2019 - 2025)
4.99%
24 months
▼
APR4.99%
Term24 months
Last UpdatedApr 17, 2026
Details
As Low As
Choice One Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.55%
Auto Loan
4.99%
78 Months
▼
APR4.99%
Term78 Months
Last UpdatedApr 17, 2026
Details
As Low As; With terms up to 78 months; *This rate includes the .25% discount with Auto Pay.
Choice One Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.55%
Used Car Loan
4.99%
78 Months
▼
APR4.99%
Term78 Months
Last UpdatedApr 17, 2026
Details
As Low As; With terms up to 78 months; This rate includes the .25% discount with Auto Pay.
Steel Strong Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
New Auto
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As
UFCW Local 1776 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicles
4.99%
6 Months
▼
APR4.99%
Term6 Months
Last UpdatedApr 18, 2026
Details
As Low As; * For Qualified Buyer
UFCW Local 1776 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
Used Vehicles
4.99%
5 Months
▼
APR4.99%
Term5 Months
Last UpdatedApr 18, 2026
Details
As Low As; * For Qualified Buyer
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Autos
4.99%
Up to 72 months
▼
APR4.99%
TermUp to 72 months
Last UpdatedApr 18, 2026
Details
100% MSRP
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Autos 2022 and newer
4.99%
Up to 72 months
▼
APR4.99%
TermUp to 72 months
Last UpdatedApr 18, 2026
Details
80-90% NADA retail
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
Auto Loans - 2023-2026 MODEL YEAR
4.99%
2026 Mo
▼
APR4.99%
Term2026 Mo
Last UpdatedApr 18, 2026
Details
Blue Chip Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
Auto Loans
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedApr 18, 2026
Details
United Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Used Automobile (2025-2023 Model Years)
4.99%
60 Mos
▼
APR4.99%
Term60 Mos
Last UpdatedApr 25, 2026
Details
As Low As
CACL Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.30%
New Vehicle
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 25, 2026
Details
As Low As; 4.99%
CACL Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.30%
Older Used Vehicle
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 25, 2026
Details
As Low As; 4.99%
CACL Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.30%
Used Vehicle
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 25, 2026
Details
As Low As; 4.99%
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
new auto loans - Model Years 2024-2026
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedApr 26, 2026
Details
Visionary Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.88%
New Vehicle - 2025 and Newer
4.99%
61 -72 Months
▼
APR4.99%
Term61 -72 Months
Last UpdatedApr 26, 2026
Details
As Low As; ...
Visionary Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.88%
Used Vehicle - 2021 - 2023
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 26, 2026
Details
As Low As; ...
Visionary Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.88%
Used Vehicle - 2024 - 2026
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 26, 2026
Details
As Low As; ...
Ingersoll Rand Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.14%
Auto Loan
4.99%
0-36 months
▼
APR4.99%
Term0-36 months
Last UpdatedApr 26, 2026
Details
Rates as low as:
Pennsylvania American Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
NEW OR USED VEHICLE LOANS (2024-2026) - 36 months or less
4.99%
36 months or less
▼
APR4.99%
Term36 months or less
Last UpdatedApr 27, 2026
Details
Pennsylvania American Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
NEW OR USED VEHICLE LOANS (2024-2026) - 48 months
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedApr 27, 2026
Details
Pennsylvania American Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
NEW OR USED VEHICLE LOANS (2024-2026) - 60 months
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedApr 27, 2026
Details
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
66-Month Used Auto Loan
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedApr 27, 2026
Details
As Low As; Annual Percentage Rate
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 27, 2026
Details
As Low As
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★
New Autos
4.99%
Up to 72 months 100% MSRP
▼
APR4.99%
TermUp to 72 months 100% MSRP
Last UpdatedMay 2, 2026
Details
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★
Used Autos 2021 and newer
4.99%
Up to 72 months 80-90% NADA retail
▼
APR4.99%
TermUp to 72 months 80-90% NADA retail
Last UpdatedMay 2, 2026
Details
Freedom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.12%
Auto Loan
4.99%
67 - 75 mos.
▼
APR4.99%
Term67 - 75 mos.
Last UpdatedMay 2, 2026
Details
APR4.99%
Term60 months
Last UpdatedMay 2, 2026
Details
As Low As
APR4.99%
Term60 Months
Last UpdatedMay 2, 2026
Details
As Low As
MERCK SHARP and DOHME
Institution Rating:
A+5.0 ★ Texas Ratio: 1.04%
New & Used Vehicle Loans
4.99%
Up to 60
▼
APR4.99%
TermUp to 60
Last UpdatedMay 2, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
Auto Loans
4.99%
37 - 48 months
▼
APR4.99%
Term37 - 48 months
Last UpdatedMay 2, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
NEW or USED vehicles
4.99%
37 - 48
▼
APR4.99%
Term37 - 48
Last UpdatedMay 2, 2026
Details
As Low As
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.41%
Used Auto Loan
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As
Elliott Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
Used Vehicle
5.00%
24 months
▼
APR5.00%
Term24 months
Last UpdatedApr 17, 2026
Details
As Low As
G.A.P. Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Vehicle (2026, 2025)
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedApr 17, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
New Auto Loans 36 Months B
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedApr 17, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
New Auto Loans 63 Months A
5.00%
63 Months
▼
APR5.00%
Term63 Months
Last UpdatedApr 17, 2026
Details
PHB Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.99%
New Auto Loan
5.00%
0-24 months
▼
APR5.00%
Term0-24 months
Last UpdatedApr 25, 2026
Details
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
New Auto
5.00%
Up to 36 Months
▼
APR5.00%
TermUp to 36 Months
Last UpdatedApr 25, 2026
Details
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
New Auto 37 to 84 Months
5.00%
84 months
▼
APR5.00%
Term84 months
Last UpdatedApr 25, 2026
Details
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
New Auto Up to 36 Months
5.00%
36 months
▼
APR5.00%
Term36 months
Last UpdatedApr 25, 2026
Details
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
Used Auto: 2024-2026 Model Years
5.00%
Up to 84 months
▼
APR5.00%
TermUp to 84 months
Last UpdatedApr 25, 2026
Details
Glass Cap Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.98%
New Vehicle Loan
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedApr 26, 2026
Details
Includes Motorcycles; 2025 - 2026 (Quads add 2% to rate)
Fayette County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles (Up to 36 mos.)
5.00%
Up to 36 mos.
▼
APR5.00%
TermUp to 36 mos.
Last UpdatedMay 2, 2026
Details
Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.48%
New Vehicle Loan
5.00%
Up to 60 Months
▼
APR5.00%
TermUp to 60 Months
Last UpdatedMay 2, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
Used Auto Loans
5.05%
24 Months
▼
APR5.05%
Term24 Months
Last UpdatedApr 17, 2026
Details
Credit Rating: A
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.05%
Up to 84 Months
▼
APR5.05%
TermUp to 84 Months
Last UpdatedApr 25, 2026
Details
USX
Institution Rating:
A+5.0 ★ Texas Ratio: 5.49%
New and Used Vehicles Model years 2026-2025-2024-2023
5.09%
49 to 60
▼
APR5.09%
Term49 to 60
Last UpdatedMay 2, 2026
Details
Powered by
MonitorBankRates
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: 1.60%
2317 Easton Ave, Bethlehem, PA, 18017 5009
New Vehicle
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedApr 17, 2026
Details
As Low As
People First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.04%
2259 Schoenersville Rd, Bethlehem, PA, 18017 7418
New Auto Loan
4.99%
Up to 66 months
▼
APR4.99%
TermUp to 66 months
Last UpdatedApr 25, 2026
Details
As Low As; 4.99%
Allentown Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.11%
801 Ostrum St, Bethlehem, PA, 18015
New Car - 2026 - 2025 (never titled)
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 2, 2026
Details
Allentown Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.11%
801 Ostrum St, Bethlehem, PA, 18015
New Car - 2026 - 2025 (never titled)
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedMay 2, 2026
Details
People First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.04%
2259 Schoenersville Rd, Bethlehem, PA, 18017 7418
New Auto Loan
5.39%
67-75 months
▼
APR5.39%
Term67-75 months
Last UpdatedApr 25, 2026
Details
As Low As; 5.39%
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
113 Research Dr, Bethlehem, PA, 18015 4731
New & Used Auto Loans
5.44%
1 - 63
▼
APR5.44%
Term1 - 63
Last UpdatedApr 19, 2026
Details
As Low As
Bethlehem 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
2317 Easton Ave, Bethlehem, PA, 18017 5009
New Vehicle
5.49%
5 Years
▼
APR5.49%
Term5 Years
Last UpdatedApr 17, 2026
Details
As Low As
Allentown Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.11%
801 Ostrum St, Bethlehem, PA, 18015
New Car - 2026 - 2025 (never titled)
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedMay 2, 2026
Details
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
113 Research Dr, Bethlehem, PA, 18015 4731
New & Used Auto Loans
5.64%
64 - 75
▼
APR5.64%
Term64 - 75
Last UpdatedApr 19, 2026
Details
As Low As
Bethlehem 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
2317 Easton Ave, Bethlehem, PA, 18017 5009
New Vehicle
5.74%
6 Years
▼
APR5.74%
Term6 Years
Last UpdatedApr 17, 2026
Details
As Low As
People First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.04%
2259 Schoenersville Rd, Bethlehem, PA, 18017 7418
New Auto Loan
5.99%
76-84 months
▼
APR5.99%
Term76-84 months
Last UpdatedApr 25, 2026
Details
As Low As; 5.99%
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
113 Research Dr, Bethlehem, PA, 18015 4731
New & Used Auto Loans
6.04%
76 - 84
▼
APR6.04%
Term76 - 84
Last UpdatedApr 19, 2026
Details
As Low As
Bethlehem 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
2317 Easton Ave, Bethlehem, PA, 18017 5009
New Vehicle
6.24%
7 Years
▼
APR6.24%
Term7 Years
Last UpdatedApr 17, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
113 Research Dr, Bethlehem, PA, 18015 4731
New & Used Auto Loans
7.04%
85 - 96
▼
APR7.04%
Term85 - 96
Last UpdatedApr 19, 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) 12-60 months
7.50%
5 Months
▼
APR7.50%
Term5 Months
Last UpdatedMay 4, 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 UpdatedMay 4, 2026
Details
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
New Vehicles
2.75%
12 Months
▼
APR2.75%
Term12 Months
Last UpdatedApr 17, 2026
Details
APR3.49%
Term36 Months
Last UpdatedMay 2, 2026
Details
Zero Down Payment
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedApr 27, 2026
Details
As Low As
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New Vehicles
3.75%
up to 84 Months
▼
APR3.75%
Termup to 84 Months
Last UpdatedApr 27, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.95%
Up to 36 Months
▼
APR3.95%
TermUp to 36 Months
Last UpdatedApr 25, 2026
Details
Stanwood Area Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.48%
New Auto
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 17, 2026
Details
UFCW Local 1776 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicles
3.99%
5 Months
▼
APR3.99%
Term5 Months
Last UpdatedApr 18, 2026
Details
As Low As; * For Qualified Buyer
Mountain Laurel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
New Vehicle (2025- 2026)
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Citymark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
New Car
3.99%
Up to 96 months
▼
APR3.99%
TermUp to 96 months
Last UpdatedApr 26, 2026
Details
As low as 3.99%* (based on credit score)
G.A.P. Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Vehicle (2026, 2025)
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedApr 17, 2026
Details
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 UpdatedApr 18, 2026
Details
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★
New Autos
4.00%
Up to 36 months
▼
APR4.00%
TermUp to 36 months
Last UpdatedMay 2, 2026
Details
APR4.00%
Term60 Months
Last UpdatedMay 2, 2026
Details
Zero Down Payment
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.05%
Up to 48 Months
▼
APR4.05%
TermUp to 48 Months
Last UpdatedApr 25, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.15%
Up to 60 Months
▼
APR4.15%
TermUp to 60 Months
Last UpdatedApr 25, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles - 3 Year Repay
4.15%
3 YEAR REPAY
▼
APR4.15%
Term3 YEAR REPAY
Last UpdatedApr 26, 2026
Details
As Low As
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 3 Year Repay
4.15%
3 YEAR REPAY
▼
APR4.15%
Term3 YEAR REPAY
Last UpdatedApr 26, 2026
Details
As Low As; 2025 to 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.20%
Up to 36 Months
▼
APR4.20%
TermUp to 36 Months
Last UpdatedApr 25, 2026
Details
Allegheny Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
New Vehicle Loan
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedApr 17, 2026
Details
As Low As; Current Year + 2 Years
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Car 24 months
4.24%
24 months
▼
APR4.24%
Term24 months
Last UpdatedApr 25, 2026
Details
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 UpdatedApr 18, 2026
Details
80-90% NADA retail
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles - 4 Year Repay
4.25%
4 YEAR REPAY
▼
APR4.25%
Term4 YEAR REPAY
Last UpdatedApr 26, 2026
Details
As Low As
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 4 Year Repay
4.25%
4 YEAR REPAY
▼
APR4.25%
Term4 YEAR REPAY
Last UpdatedApr 26, 2026
Details
As Low As; 2025 to 2026
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★
Used Autos 2021 and newer
4.25%
Up to 36 months 80-90% NADA retail
▼
APR4.25%
TermUp to 36 months 80-90% NADA retail
Last UpdatedMay 2, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.30%
Up to 48 Months
▼
APR4.30%
TermUp to 48 Months
Last UpdatedApr 25, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
NEW or USED vehicles
4.39%
up to 36
▼
APR4.39%
Termup to 36
Last UpdatedMay 2, 2026
Details
As Low As; w/ Auto Pay Discount
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.40%
Up to 60 Months
▼
APR4.40%
TermUp to 60 Months
Last UpdatedApr 25, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.45%
Up to 72 Months
▼
APR4.45%
TermUp to 72 Months
Last UpdatedApr 25, 2026
Details
Allegheny Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
New Vehicle Loan
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As; Current Year + 2 Years
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Car 36 months
4.49%
36 months
▼
APR4.49%
Term36 months
Last UpdatedApr 25, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedApr 27, 2026
Details
As Low As
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
New Vehicles
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 27, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
NEW or USED vehicles
4.49%
up to 36
▼
APR4.49%
Termup to 36
Last UpdatedMay 2, 2026
Details
As Low As
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.41%
New Auto Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.41%
New Vehicles
4.50%
up to 60
▼
APR4.50%
Termup to 60
Last UpdatedApr 17, 2026
Details
As Low As; $5,000 min
Elliott Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
New Vehicle
4.50%
24 months
▼
APR4.50%
Term24 months
Last UpdatedApr 17, 2026
Details
As Low As
Locomotive And Control Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
New Vehicle Loan
4.50%
36 Month
▼
APR4.50%
Term36 Month
Last UpdatedApr 17, 2026
Details
G.A.P. Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Vehicle (2026, 2025)
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedApr 17, 2026
Details
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 UpdatedApr 18, 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 UpdatedApr 18, 2026
Details
80-90% NADA retail
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★
New Autos
4.50%
48 to 60 months 100% MSRP
▼
APR4.50%
Term48 to 60 months 100% MSRP
Last UpdatedMay 2, 2026
Details
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★
Used Autos 2021 and newer
4.50%
48 to 60 months 80-90% NADA retail
▼
APR4.50%
Term48 to 60 months 80-90% NADA retail
Last UpdatedMay 2, 2026
Details
Alcose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Vehicles 2025 - 2026
4.50%
Up to 48 Months
▼
APR4.50%
TermUp to 48 Months
Last UpdatedMay 2, 2026
Details
as low as
Alcose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Vehicles 2025- 2026
4.50%
Up to 48 Months
▼
APR4.50%
TermUp to 48 Months
Last UpdatedMay 2, 2026
Details
As Low As
APR4.50%
Term72 Months
Last UpdatedMay 2, 2026
Details
Zero Down Payment
APR4.50%
Term72 months
Last UpdatedMay 2, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.65%
Up to 36 Months
▼
APR4.65%
TermUp to 36 Months
Last UpdatedApr 25, 2026
Details
Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.48%
New Vehicle Loan
4.69%
Up to 36 Months
▼
APR4.69%
TermUp to 36 Months
Last UpdatedMay 2, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
New Auto Loans 24 Months A+
4.70%
24 Months
▼
APR4.70%
Term24 Months
Last UpdatedApr 17, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.70%
Up to 72 Months
▼
APR4.70%
TermUp to 72 Months
Last UpdatedApr 25, 2026
Details
Fayette County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Vehicles (Up to 36 mos.)
4.70%
Up to 36 mos.
▼
APR4.70%
TermUp to 36 mos.
Last UpdatedMay 2, 2026
Details
Allegheny Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
New Vehicle Loan
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As; Current Year + 2 Years
United Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
New Automobile (2026 and 2025 Model Years)
4.74%
60 Mos
▼
APR4.74%
Term60 Mos
Last UpdatedApr 25, 2026
Details
As Low As
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
new auto loans - Model Years 2024-2026
4.74%
up to 60 months
▼
APR4.74%
Termup to 60 months
Last UpdatedApr 26, 2026
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.41%
New Vehicles
4.75%
61 to 72
▼
APR4.75%
Term61 to 72
Last UpdatedApr 17, 2026
Details
As Low As; $15,000 min
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
New Auto Loans 24 Months A
4.75%
24 Months
▼
APR4.75%
Term24 Months
Last UpdatedApr 17, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.75%
Up to 48 Months
▼
APR4.75%
TermUp to 48 Months
Last UpdatedApr 25, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles - 5 Year Repay
4.75%
5 YEAR REPAY
▼
APR4.75%
Term5 YEAR REPAY
Last UpdatedApr 26, 2026
Details
As Low As
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 5 Year Repay
4.75%
5 YEAR REPAY
▼
APR4.75%
Term5 YEAR REPAY
Last UpdatedApr 26, 2026
Details
As Low As; 2025 to 2026
Visionary Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.88%
New Vehicle - 2025 and Newer
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedApr 26, 2026
Details
As Low As; ...
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
New Auto Loans 36 Months A+
4.80%
36 Months
▼
APR4.80%
Term36 Months
Last UpdatedApr 17, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
New Auto Loans 36 Months A
4.85%
36 Months
▼
APR4.85%
Term36 Months
Last UpdatedApr 17, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.85%
Up to 60 Months
▼
APR4.85%
TermUp to 60 Months
Last UpdatedApr 25, 2026
Details
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Car 48 months
4.87%
48 months
▼
APR4.87%
Term48 months
Last UpdatedApr 25, 2026
Details
Choice One Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.55%
New Car Loan
4.89%
84 Months
▼
APR4.89%
Term84 Months
Last UpdatedApr 17, 2026
Details
As Low As; With terms up to 84 Months; 110% Financing on Vehicles; *This rate includes the .25% discount for Auto Pay.
USX
Institution Rating:
A+5.0 ★ Texas Ratio: 5.49%
New and Used Vehicles Model years 2026-2025-2024-2023
4.89%
Up to 48
▼
APR4.89%
TermUp to 48
Last UpdatedMay 2, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
NEW or USED vehicles
4.89%
37 - 48
▼
APR4.89%
Term37 - 48
Last UpdatedMay 2, 2026
Details
As Low As; w/ Auto Pay Discount
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
New Auto Loans 24 Months B
4.90%
24 Months
▼
APR4.90%
Term24 Months
Last UpdatedApr 17, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
New Auto Loans 48 Months A+
4.90%
48 Months
▼
APR4.90%
Term48 Months
Last UpdatedApr 17, 2026
Details
P&G Mehoopany Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
New and Used Auto Loan
4.90%
Up to 96 Months
▼
APR4.90%
TermUp to 96 Months
Last UpdatedApr 18, 2026
Details
Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.48%
New Vehicle Loan
4.90%
Up to 48 Months
▼
APR4.90%
TermUp to 48 Months
Last UpdatedMay 2, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
New Auto Loans 48 Months A
4.95%
48 Months
▼
APR4.95%
Term48 Months
Last UpdatedApr 17, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
New Auto Loans 63 Months A+
4.95%
63 Months
▼
APR4.95%
Term63 Months
Last UpdatedApr 17, 2026
Details
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.63%
New Vehicle Loans (2026-2025) †3 Years
4.99%
3 Months
▼
APR4.99%
Term3 Months
Last UpdatedApr 17, 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 UpdatedApr 17, 2026
Details
As Low As
Top Tier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.44%
New & Used Auto (2026-2023)
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As
Steel Strong Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
New Auto
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As
UFCW Local 1776 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicles
4.99%
6 Months
▼
APR4.99%
Term6 Months
Last UpdatedApr 18, 2026
Details
As Low As; * For Qualified Buyer
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Autos
4.99%
Up to 72 months
▼
APR4.99%
TermUp to 72 months
Last UpdatedApr 18, 2026
Details
100% MSRP
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Autos 2022 and newer
4.99%
Up to 72 months
▼
APR4.99%
TermUp to 72 months
Last UpdatedApr 18, 2026
Details
80-90% NADA retail
CACL Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.30%
New Vehicle
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 25, 2026
Details
As Low As; 4.99%
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
new auto loans - Model Years 2024-2026
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedApr 26, 2026
Details
Visionary Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.88%
New Vehicle - 2025 and Newer
4.99%
61 -72 Months
▼
APR4.99%
Term61 -72 Months
Last UpdatedApr 26, 2026
Details
As Low As; ...
Pennsylvania American Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
NEW OR USED VEHICLE LOANS (2024-2026) - 36 months or less
4.99%
36 months or less
▼
APR4.99%
Term36 months or less
Last UpdatedApr 27, 2026
Details
Pennsylvania American Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
NEW OR USED VEHICLE LOANS (2024-2026) - 48 months
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedApr 27, 2026
Details
Pennsylvania American Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
NEW OR USED VEHICLE LOANS (2024-2026) - 60 months
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedApr 27, 2026
Details
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★
New Autos
4.99%
Up to 72 months 100% MSRP
▼
APR4.99%
TermUp to 72 months 100% MSRP
Last UpdatedMay 2, 2026
Details
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★
Used Autos 2021 and newer
4.99%
Up to 72 months 80-90% NADA retail
▼
APR4.99%
TermUp to 72 months 80-90% NADA retail
Last UpdatedMay 2, 2026
Details
APR4.99%
Term60 months
Last UpdatedMay 2, 2026
Details
As Low As
MERCK SHARP and DOHME
Institution Rating:
A+5.0 ★ Texas Ratio: 1.04%
New & Used Vehicle Loans
4.99%
Up to 60
▼
APR4.99%
TermUp to 60
Last UpdatedMay 2, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
NEW or USED vehicles
4.99%
37 - 48
▼
APR4.99%
Term37 - 48
Last UpdatedMay 2, 2026
Details
As Low As
G.A.P. Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Vehicle (2026, 2025)
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedApr 17, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
New Auto Loans 36 Months B
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedApr 17, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
New Auto Loans 63 Months A
5.00%
63 Months
▼
APR5.00%
Term63 Months
Last UpdatedApr 17, 2026
Details
PHB Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.99%
New Auto Loan
5.00%
0-24 months
▼
APR5.00%
Term0-24 months
Last UpdatedApr 25, 2026
Details
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
New Auto
5.00%
Up to 36 Months
▼
APR5.00%
TermUp to 36 Months
Last UpdatedApr 25, 2026
Details
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
New Auto 37 to 84 Months
5.00%
84 months
▼
APR5.00%
Term84 months
Last UpdatedApr 25, 2026
Details
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
New Auto Up to 36 Months
5.00%
36 months
▼
APR5.00%
Term36 months
Last UpdatedApr 25, 2026
Details
Glass Cap Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.98%
New Vehicle Loan
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedApr 26, 2026
Details
Includes Motorcycles; 2025 - 2026 (Quads add 2% to rate)
Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.48%
New Vehicle Loan
5.00%
Up to 60 Months
▼
APR5.00%
TermUp to 60 Months
Last UpdatedMay 2, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.05%
Up to 84 Months
▼
APR5.05%
TermUp to 84 Months
Last UpdatedApr 25, 2026
Details
USX
Institution Rating:
A+5.0 ★ Texas Ratio: 5.49%
New and Used Vehicles Model years 2026-2025-2024-2023
5.09%
49 to 60
▼
APR5.09%
Term49 to 60
Last UpdatedMay 2, 2026
Details
Powered by
MonitorBankRates
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: 1.60%
2317 Easton Ave, Bethlehem, PA, 18017 5009
Used Vehicles (2019-2025)
4.99%
1-4 Years
▼
APR4.99%
Term1-4 Years
Last UpdatedApr 17, 2026
Details
As Low As
Allentown Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.11%
801 Ostrum St, Bethlehem, PA, 18015
Used Car - 2021 - 2025
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 2, 2026
Details
People First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.04%
2259 Schoenersville Rd, Bethlehem, PA, 18017 7418
Used Auto Loan
5.25%
Up to 66 months
▼
APR5.25%
TermUp to 66 months
Last UpdatedApr 25, 2026
Details
As Low As; 5.25%
Allentown Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.11%
801 Ostrum St, Bethlehem, PA, 18015
Used Car - 2021 - 2025
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedMay 2, 2026
Details
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
113 Research Dr, Bethlehem, PA, 18015 4731
New & Used Auto Loans
5.44%
1 - 63
▼
APR5.44%
Term1 - 63
Last UpdatedApr 19, 2026
Details
As Low As
People First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.04%
2259 Schoenersville Rd, Bethlehem, PA, 18017 7418
Used Auto Loan
5.49%
67-75 months
▼
APR5.49%
Term67-75 months
Last UpdatedApr 25, 2026
Details
As Low As; 5.49%
Allentown Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.11%
801 Ostrum St, Bethlehem, PA, 18015
Used Car - 2021 - 2025
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedMay 2, 2026
Details
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
113 Research Dr, Bethlehem, PA, 18015 4731
New & Used Auto Loans
5.64%
64 - 75
▼
APR5.64%
Term64 - 75
Last UpdatedApr 19, 2026
Details
As Low As
Bethlehem 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
2317 Easton Ave, Bethlehem, PA, 18017 5009
Used Vehicles (2019-2025)
5.74%
5 Years
▼
APR5.74%
Term5 Years
Last UpdatedApr 17, 2026
Details
As Low As
People First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.04%
2259 Schoenersville Rd, Bethlehem, PA, 18017 7418
Used Auto Loan
5.89%
76-84 months
▼
APR5.89%
Term76-84 months
Last UpdatedApr 25, 2026
Details
As Low As; 5.89%
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
113 Research Dr, Bethlehem, PA, 18015 4731
New & Used Auto Loans
6.04%
76 - 84
▼
APR6.04%
Term76 - 84
Last UpdatedApr 19, 2026
Details
As Low As
Bethlehem 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
2317 Easton Ave, Bethlehem, PA, 18017 5009
Used Vehicles (2019-2025)
6.24%
6 Years
▼
APR6.24%
Term6 Years
Last UpdatedApr 17, 2026
Details
As Low As
Bethlehem 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
2317 Easton Ave, Bethlehem, PA, 18017 5009
Used Vehicles (2019-2025)
6.99%
7 Years
▼
APR6.99%
Term7 Years
Last UpdatedApr 17, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
113 Research Dr, Bethlehem, PA, 18015 4731
New & Used Auto Loans
7.04%
85 - 96
▼
APR7.04%
Term85 - 96
Last UpdatedApr 19, 2026
Details
As Low As
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 UpdatedMay 4, 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 UpdatedMay 4, 2026
Details
APR3.49%
Term36 Months
Last UpdatedMay 2, 2026
Details
2016-2019
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
Used Vehicles - (3-4 Years Old) JD Power Book Price - 90% Financed
3.75%
12 Months
▼
APR3.75%
Term12 Months
Last UpdatedApr 17, 2026
Details
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
Used Vehicles - (5 Years & Older) JD Power Book Price - 85% Financed
3.75%
12 Months
▼
APR3.75%
Term12 Months
Last UpdatedApr 17, 2026
Details
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
Used Vehicles - Up To 2 Years Old - 100% Financed
3.75%
12 Months
▼
APR3.75%
Term12 Months
Last UpdatedApr 17, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.95%
Up to 36 Months
▼
APR3.95%
TermUp to 36 Months
Last UpdatedApr 25, 2026
Details
Mountain Laurel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
Used Vehicle (2018 - 2025)
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Citymark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
Used Car
3.99%
Up to 96 months
▼
APR3.99%
TermUp to 96 months
Last UpdatedApr 26, 2026
Details
As low as 3.99%* (based on credit score)
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.05%
Up to 48 Months
▼
APR4.05%
TermUp to 48 Months
Last UpdatedApr 25, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.15%
Up to 60 Months
▼
APR4.15%
TermUp to 60 Months
Last UpdatedApr 25, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles - 3 Year Repay
4.15%
3 YEAR REPAY
▼
APR4.15%
Term3 YEAR REPAY
Last UpdatedApr 26, 2026
Details
As Low As
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 3 Year Repay
4.15%
3 YEAR REPAY
▼
APR4.15%
Term3 YEAR REPAY
Last UpdatedApr 26, 2026
Details
As Low As; 2025 to 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.20%
Up to 36 Months
▼
APR4.20%
TermUp to 36 Months
Last UpdatedApr 25, 2026
Details
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Car 24 months
4.24%
24 months
▼
APR4.24%
Term24 months
Last UpdatedApr 25, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedApr 27, 2026
Details
As Low As
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 UpdatedApr 18, 2026
Details
80-90% NADA retail
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles - 4 Year Repay
4.25%
4 YEAR REPAY
▼
APR4.25%
Term4 YEAR REPAY
Last UpdatedApr 26, 2026
Details
As Low As
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 4 Year Repay
4.25%
4 YEAR REPAY
▼
APR4.25%
Term4 YEAR REPAY
Last UpdatedApr 26, 2026
Details
As Low As; 2025 to 2026
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★
Used Autos 2021 and newer
4.25%
Up to 36 months 80-90% NADA retail
▼
APR4.25%
TermUp to 36 months 80-90% NADA retail
Last UpdatedMay 2, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.30%
Up to 48 Months
▼
APR4.30%
TermUp to 48 Months
Last UpdatedApr 25, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
NEW or USED vehicles
4.39%
up to 36
▼
APR4.39%
Termup to 36
Last UpdatedMay 2, 2026
Details
As Low As; w/ Auto Pay Discount
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.40%
Up to 60 Months
▼
APR4.40%
TermUp to 60 Months
Last UpdatedApr 25, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.45%
Up to 72 Months
▼
APR4.45%
TermUp to 72 Months
Last UpdatedApr 25, 2026
Details
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Car 36 months
4.49%
36 months
▼
APR4.49%
Term36 months
Last UpdatedApr 25, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
NEW or USED vehicles
4.49%
up to 36
▼
APR4.49%
Termup to 36
Last UpdatedMay 2, 2026
Details
As Low As
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 UpdatedApr 18, 2026
Details
80-90% NADA retail
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★
Used Autos 2021 and newer
4.50%
48 to 60 months 80-90% NADA retail
▼
APR4.50%
Term48 to 60 months 80-90% NADA retail
Last UpdatedMay 2, 2026
Details
APR4.50%
Term60 Months
Last UpdatedMay 2, 2026
Details
2022 - NEWER
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.65%
Up to 36 Months
▼
APR4.65%
TermUp to 36 Months
Last UpdatedApr 25, 2026
Details
Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.48%
Used Vehicle Loan
4.69%
Up to 36 Months
▼
APR4.69%
TermUp to 36 Months
Last UpdatedMay 2, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.70%
Up to 72 Months
▼
APR4.70%
TermUp to 72 Months
Last UpdatedApr 25, 2026
Details
Fayette County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Vehicles (Up to 36 mos.)
4.70%
Up to 36 mos.
▼
APR4.70%
TermUp to 36 mos.
Last UpdatedMay 2, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.75%
Up to 48 Months
▼
APR4.75%
TermUp to 48 Months
Last UpdatedApr 25, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles - 5 Year Repay
4.75%
5 YEAR REPAY
▼
APR4.75%
Term5 YEAR REPAY
Last UpdatedApr 26, 2026
Details
As Low As
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 5 Year Repay
4.75%
5 YEAR REPAY
▼
APR4.75%
Term5 YEAR REPAY
Last UpdatedApr 26, 2026
Details
As Low As; 2025 to 2026
Altoona Area Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
Used Auto Loans
4.75%
Up to 60 months
▼
APR4.75%
TermUp to 60 months
Last UpdatedApr 27, 2026
Details
*Depends on credit score; Only used vehicles less than 5 years old
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
Used Vehicles
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedApr 27, 2026
Details
APR4.75%
Term72 Months
Last UpdatedMay 2, 2026
Details
2022 - NEWER**
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.85%
Up to 60 Months
▼
APR4.85%
TermUp to 60 Months
Last UpdatedApr 25, 2026
Details
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Car 48 months
4.87%
48 months
▼
APR4.87%
Term48 months
Last UpdatedApr 25, 2026
Details
Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.48%
Used Vehicle Loan
4.89%
Up to 48 Months
▼
APR4.89%
TermUp to 48 Months
Last UpdatedMay 2, 2026
Details
USX
Institution Rating:
A+5.0 ★ Texas Ratio: 5.49%
New and Used Vehicles Model years 2026-2025-2024-2023
4.89%
Up to 48
▼
APR4.89%
TermUp to 48
Last UpdatedMay 2, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
NEW or USED vehicles
4.89%
37 - 48
▼
APR4.89%
Term37 - 48
Last UpdatedMay 2, 2026
Details
As Low As; w/ Auto Pay Discount
P&G Mehoopany Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
New and Used Auto Loan
4.90%
Up to 96 Months
▼
APR4.90%
TermUp to 96 Months
Last UpdatedApr 18, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
Used Auto Loans
4.95%
24 Months
▼
APR4.95%
Term24 Months
Last UpdatedApr 17, 2026
Details
Credit Rating: A+
Top Tier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.44%
New & Used Auto (2026-2023)
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As
Upper Darby Bell Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
Used Car Loans (Model Year 2019 - 2025)
4.99%
24 months
▼
APR4.99%
Term24 months
Last UpdatedApr 17, 2026
Details
As Low As
Choice One Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.55%
Used Car Loan
4.99%
78 Months
▼
APR4.99%
Term78 Months
Last UpdatedApr 17, 2026
Details
As Low As; With terms up to 78 months; This rate includes the .25% discount with Auto Pay.
UFCW Local 1776 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
Used Vehicles
4.99%
5 Months
▼
APR4.99%
Term5 Months
Last UpdatedApr 18, 2026
Details
As Low As; * For Qualified Buyer
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Autos 2022 and newer
4.99%
Up to 72 months
▼
APR4.99%
TermUp to 72 months
Last UpdatedApr 18, 2026
Details
80-90% NADA retail
United Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Used Automobile (2025-2023 Model Years)
4.99%
60 Mos
▼
APR4.99%
Term60 Mos
Last UpdatedApr 25, 2026
Details
As Low As
CACL Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.30%
Older Used Vehicle
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 25, 2026
Details
As Low As; 4.99%
CACL Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.30%
Used Vehicle
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 25, 2026
Details
As Low As; 4.99%
Visionary Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.88%
Used Vehicle - 2021 - 2023
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 26, 2026
Details
As Low As; ...
Visionary Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.88%
Used Vehicle - 2024 - 2026
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 26, 2026
Details
As Low As; ...
Pennsylvania American Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
NEW OR USED VEHICLE LOANS (2024-2026) - 36 months or less
4.99%
36 months or less
▼
APR4.99%
Term36 months or less
Last UpdatedApr 27, 2026
Details
Pennsylvania American Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
NEW OR USED VEHICLE LOANS (2024-2026) - 48 months
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedApr 27, 2026
Details
Pennsylvania American Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
NEW OR USED VEHICLE LOANS (2024-2026) - 60 months
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedApr 27, 2026
Details
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
66-Month Used Auto Loan
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedApr 27, 2026
Details
As Low As; Annual Percentage Rate
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 27, 2026
Details
As Low As
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★
Used Autos 2021 and newer
4.99%
Up to 72 months 80-90% NADA retail
▼
APR4.99%
TermUp to 72 months 80-90% NADA retail
Last UpdatedMay 2, 2026
Details
APR4.99%
Term60 Months
Last UpdatedMay 2, 2026
Details
As Low As
MERCK SHARP and DOHME
Institution Rating:
A+5.0 ★ Texas Ratio: 1.04%
New & Used Vehicle Loans
4.99%
Up to 60
▼
APR4.99%
TermUp to 60
Last UpdatedMay 2, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
NEW or USED vehicles
4.99%
37 - 48
▼
APR4.99%
Term37 - 48
Last UpdatedMay 2, 2026
Details
As Low As
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.41%
Used Auto Loan
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As
Elliott Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
Used Vehicle
5.00%
24 months
▼
APR5.00%
Term24 months
Last UpdatedApr 17, 2026
Details
As Low As
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
Used Auto: 2024-2026 Model Years
5.00%
Up to 84 months
▼
APR5.00%
TermUp to 84 months
Last UpdatedApr 25, 2026
Details
Fayette County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles (Up to 36 mos.)
5.00%
Up to 36 mos.
▼
APR5.00%
TermUp to 36 mos.
Last UpdatedMay 2, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
Used Auto Loans
5.05%
24 Months
▼
APR5.05%
Term24 Months
Last UpdatedApr 17, 2026
Details
Credit Rating: A
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.05%
Up to 84 Months
▼
APR5.05%
TermUp to 84 Months
Last UpdatedApr 25, 2026
Details
USX
Institution Rating:
A+5.0 ★ Texas Ratio: 5.49%
New and Used Vehicles Model years 2026-2025-2024-2023
5.09%
49 to 60
▼
APR5.09%
Term49 to 60
Last UpdatedMay 2, 2026
Details
Powered by
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
5.638%
▲ 0.027 vs 7 days ago
Pennsylvania new auto rates rose 0.027 points over the past 7 days to 5.638% APR.
Used Auto Loan — PA Avg
7.787%
▲ 0.087 vs 7 days ago
Pennsylvania used auto rates rose 0.087 points over the past 7 days to 7.787% APR.
As of May 5, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
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:
- Pennsylvania State Employees Credit Union: 4.69% (Auto Loan Refinance)
- Members 1st Federal Credit Union Enola, PA: 4.94% (Auto Loan)
- Bethlehem 1st Federal Credit Union: 4.99% (New Vehicle)
- People First Federal Credit Union: 4.99% (New Auto Loan)
- Allentown Federal Credit Union: 4.99% (New Car - 2026 - 2025 (never titled))
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: May 4, 2026
Rate Assistant
MonitorBankRates.com · Live Data
Try asking