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  9. Auto Loan Rate Trends

Lancaster, Pennsylvania Best Auto Loan Rates - October 2026

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Brian McKay Brian McKay
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Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Lancaster, Pennsylvania. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates · Last Updated and Verified: October 13, 2026

Lancaster, Pennsylvania auto loan rates range from 2.99% to 12.50% APR, verified by MonitorBankRates as of October 13, 2026. Current auto loan rates in Lancaster, Pennsylvania include Lancaster Red Rose Credit UnionLancaster Red Rose Credit Union50 N Duke St, Lancaster, PA, 17602 2805A+5.0 ★Texas Ratio: 1.60% offering New & Used Auto Loans (2020 and Newer) at 4.50%, Penlanco Federal Credit UnionPenlanco Federal Credit Union630 Delp Rd Ste C, LANCASTER, PA, 17601 3077A+5.0 ★Texas Ratio: 0.77% offering New Vehicles Loan at 4.65%, Members 1st Federal Credit Union Enola, PAMembers 1st Federal Credit Union Enola, PA1605 Lititz Pike, Lancaster, PA, 17601A+5.0 ★Texas Ratio: 3.79% offering Auto Loan at 5.64%, Pennsylvania State Employees Credit UnionPennsylvania State Employees Credit Union750 E King St, Lancaster, PA, 17602A+5.0 ★Texas Ratio: 4.23% offering New & Used Auto Loans at 5.69%, Peoples Security BankPeoples Security Bank2343 Oregon Pike, Lancaster, PA, 17601A+5.0 ★Texas Ratio: 2.51% offering New Car Loans - Model Year 2026-2025 at 6.04%. Auto loan rates as of October 13, 2026 according to verified data from MonitorBankRates.

Lancaster has 6 local institutions in our database, with auto loan rates as low as 4.50% APR from Lancaster Red Rose Credit Union at 50 N Duke St, Lancaster, PA, 17602 2805. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so we recommend checking back frequently.

Auto loan rates reflect recent market quotes and representative offers available to borrowers in Lancaster, Pennsylvania. Auto Loan Rates Last Updated and Verified: October 13, 2026

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

Jump to: All Auto Loans · New Auto · Used Auto

Lancaster Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
4.50%
36 months
View
▼
APR4.50%
Interest Rate4.50%
Term36 months
Last UpdatedOct 9, 2026
Details

Credit Score: 750+

Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 7 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APRSep 14, 2026Oct 13, 2026
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
New Vehicles Loan
4.65%
3 years
View
▼
APR4.65%
Term3 years
Last UpdatedOct 12, 2026
Details

FICO: 730 +

Rate History
No change since Oct 12, 2026 · 4.65% APR
4.15%4.65%5.15%Oct 12, 2026: 4.65% APROct 12, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
4.75%
48 months
View
▼
APR4.75%
Interest Rate4.75%
Term48 months
Last UpdatedOct 9, 2026
Details

Credit Score: 750+

Rate History
No change since Sep 18, 2026 · 4.75% APR · checked 6 times
4.25%4.75%5.25%Sep 18, 2026: 4.75% APRSep 18, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
4.75%
60 months
View
▼
APR4.75%
Interest Rate4.75%
Term60 months
Last UpdatedOct 9, 2026
Details

Credit Score: 750+

Rate History
No change since Sep 18, 2026 · 4.75% APR · checked 6 times
4.25%4.75%5.25%Sep 18, 2026: 4.75% APRSep 18, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
4.75%
36 months
View
▼
APR4.75%
Interest Rate4.75%
Term36 months
Last UpdatedOct 9, 2026
Details

Credit Score: 700 - 749

Rate History
1 change since Sep 14, 2026 · 4.50% → 4.75% ▲ 0.25 pts · high 4.75% / low 4.50%
4.00%4.63%5.25%Sep 14, 2026: 4.50% APRSep 18, 2026: 4.75% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20264.75%▲ from 4.50%
  • Sep 14, 20264.50%first recorded
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
Used Auto Loans (2019 and Older)
4.75%
36 months
View
▼
APR4.75%
Term36 months
Last UpdatedOct 9, 2026
Details

FICO Score: 750+

Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 5 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APRSep 14, 2026Oct 13, 2026
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
New Vehicles Loan
4.95%
5 years
View
▼
APR4.95%
Term5 years
Last UpdatedOct 12, 2026
Details

FICO: 730 +

Rate History
No change since Oct 12, 2026 · 4.95% APR
4.45%4.95%5.45%Oct 12, 2026: 4.95% APROct 12, 2026Oct 13, 2026
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
Used Vehicles - 2018-2026 Loan
4.95%
4 years
View
▼
APR4.95%
Term4 years
Last UpdatedOct 12, 2026
Details

FICO tier only (drop 'Additional APR' text)

Rate History
No change since Oct 12, 2026 · 4.95% APR
4.45%4.95%5.45%Oct 12, 2026: 4.95% APROct 12, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
5.00%
72 months
View
▼
APR5.00%
Interest Rate5.00%
Term72 months
Last UpdatedOct 9, 2026
Details

Credit Score: 750+

Rate History
1 change since Sep 14, 2026 · 7.00% → 5.00% ▼ 2.00 pts · high 7.00% / low 5.00%
3.00%6.00%9.00%Sep 14, 2026: 7.00% APRSep 18, 2026: 5.00% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20265.00%▼ from 7.00%
  • Sep 14, 20267.00%first recorded
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
5.00%
48 months
View
▼
APR5.00%
Interest Rate5.00%
Term48 months
Last UpdatedOct 9, 2026
Details

Credit Score: 700 - 749

Rate History
No change since Sep 18, 2026 · 5.00% APR · checked 6 times
4.50%5.00%5.50%Sep 18, 2026: 5.00% APRSep 18, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
5.00%
60 months
View
▼
APR5.00%
Interest Rate5.00%
Term60 months
Last UpdatedOct 9, 2026
Details

Credit Score: 700 - 749

Rate History
No change since Sep 18, 2026 · 5.00% APR · checked 6 times
4.50%5.00%5.50%Sep 18, 2026: 5.00% APRSep 18, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
Used Auto Loans (2019 and Older)
5.00%
36 months
View
▼
APR5.00%
Term36 months
Last UpdatedOct 9, 2026
Details

FICO Score: 700 - 749

Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 5 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Oct 13, 2026
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
New Vehicles Loan
5.15%
3 years
View
▼
APR5.15%
Term3 years
Last UpdatedOct 12, 2026
Details

FICO: 690-729

Rate History
No change since Oct 12, 2026 · 5.15% APR
4.65%5.15%5.65%Oct 12, 2026: 5.15% APROct 12, 2026Oct 13, 2026
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
New Vehicles Loan
5.15%
6 years
View
▼
APR5.15%
Term6 years
Last UpdatedOct 12, 2026
Details

FICO: 730 +

Rate History
No change since Oct 12, 2026 · 5.15% APR
4.65%5.15%5.65%Oct 12, 2026: 5.15% APROct 12, 2026Oct 13, 2026
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
Used Vehicles - 2017 and older Loan
5.25%
3 years
View
▼
APR5.25%
Interest Rate5.25%
Term3 years
Last UpdatedOct 12, 2026
Details

FICO: 730 +

Rate History
1 change since Sep 16, 2026 · 4.65% → 5.25% ▲ 0.60 pts · high 5.25% / low 4.65%
4.05%4.95%5.85%Sep 16, 2026: 4.65% APRSep 25, 2026: 5.25% APRSep 16, 2026Oct 13, 2026
  • Sep 25, 20265.25%▲ from 4.65%
  • Sep 16, 20264.65%first recorded
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
5.25%
84 months
View
▼
APR5.25%
Interest Rate5.25%
Term84 months
Last UpdatedOct 9, 2026
Details

Credit Score: 750+

Rate History
1 change since Sep 14, 2026 · 5.50% → 5.25% ▼ 0.25 pts · high 5.50% / low 5.25%
4.75%5.38%6.00%Sep 14, 2026: 5.50% APRSep 18, 2026: 5.25% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20265.25%▼ from 5.50%
  • Sep 14, 20265.50%first recorded
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
5.25%
72 months
View
▼
APR5.25%
Interest Rate5.25%
Term72 months
Last UpdatedOct 9, 2026
Details

Credit Score: 700 - 749

Rate History
1 change since Sep 14, 2026 · 7.00% → 5.25% ▼ 1.75 pts · high 7.00% / low 5.25%
3.50%6.13%8.75%Sep 14, 2026: 7.00% APRSep 18, 2026: 5.25% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20265.25%▼ from 7.00%
  • Sep 14, 20267.00%first recorded
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
Used Auto Loans (2019 and Older)
5.25%
48 months
View
▼
APR5.25%
Term48 months
Last UpdatedOct 9, 2026
Details

FICO Score: 750+

Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 5 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Oct 13, 2026
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
New Vehicles Loan
5.45%
5 years
View
▼
APR5.45%
Term5 years
Last UpdatedOct 12, 2026
Details

FICO: 690-729

Rate History
No change since Oct 12, 2026 · 5.45% APR
4.95%5.45%5.95%Oct 12, 2026: 5.45% APROct 12, 2026Oct 13, 2026
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
Used Vehicles - 2017 and older Loan
5.45%
4 years
View
▼
APR5.45%
Interest Rate5.45%
Term4 years
Last UpdatedOct 12, 2026
Details

FICO: 730 +

Rate History
No change since Sep 16, 2026 · 5.45% APR · checked 5 times
4.95%5.45%5.95%Sep 16, 2026: 5.45% APRSep 16, 2026Oct 13, 2026
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
Used Vehicles - 2018-2026 Loan
5.45%
4 years
View
▼
APR5.45%
Term4 years
Last UpdatedOct 12, 2026
Details

FICO tier only (drop 'Additional APR' text)

Rate History
No change since Oct 12, 2026 · 5.45% APR
4.95%5.45%5.95%Oct 12, 2026: 5.45% APROct 12, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
5.50%
84 months
View
▼
APR5.50%
Interest Rate5.50%
Term84 months
Last UpdatedOct 9, 2026
Details

Credit Score: 700 - 749

Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 7 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
Used Auto Loans (2019 and Older)
5.50%
60 months
View
▼
APR5.50%
Term60 months
Last UpdatedOct 9, 2026
Details

FICO Score: 750+

Rate History
1 change since Sep 14, 2026 · 5.75% → 5.50% ▼ 0.25 pts · high 5.75% / low 5.50%
5.00%5.63%6.25%Sep 14, 2026: 5.75% APRSep 18, 2026: 5.50% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20265.50%▼ from 5.75%
  • Sep 14, 20265.75%first recorded
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
Used Auto Loans (2019 and Older)
5.50%
48 months
View
▼
APR5.50%
Term48 months
Last UpdatedOct 9, 2026
Details

FICO Score: 700 - 749

Rate History
1 change since Sep 14, 2026 · 5.25% → 5.50% ▲ 0.25 pts · high 5.50% / low 5.25%
4.75%5.38%6.00%Sep 14, 2026: 5.25% APRSep 18, 2026: 5.50% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20265.50%▲ from 5.25%
  • Sep 14, 20265.25%first recorded
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
New Vehicles Loan
5.55%
7 years
View
▼
APR5.55%
Term7 years
Last UpdatedOct 12, 2026
Details

FICO: 730 +

Rate History
No change since Oct 12, 2026 · 5.55% APR
5.05%5.55%6.05%Oct 12, 2026: 5.55% APROct 12, 2026Oct 13, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1605 Lititz Pike, Lancaster, PA, 17601
Auto Loan
5.64%
12 Months
View
▼
APR5.64%
Term12 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates effective October 12, 2026

Rate History
No change since Oct 8, 2026 · 5.64% APR · checked 2 times
5.14%5.64%6.14%Oct 8, 2026: 5.64% APROct 8, 2026Oct 13, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1605 Lititz Pike, Lancaster, PA, 17601
Auto Loan
5.64%
24 Months
View
▼
APR5.64%
Term24 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates effective October 12, 2026

Rate History
No change since Oct 8, 2026 · 5.64% APR · checked 2 times
5.14%5.64%6.14%Oct 8, 2026: 5.64% APROct 8, 2026Oct 13, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1605 Lititz Pike, Lancaster, PA, 17601
Auto Loan
5.64%
36 Months
View
▼
APR5.64%
Term36 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates effective October 12, 2026

Rate History
No change since Oct 8, 2026 · 5.64% APR · checked 2 times
5.14%5.64%6.14%Oct 8, 2026: 5.64% APROct 8, 2026Oct 13, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1605 Lititz Pike, Lancaster, PA, 17601
Auto Loan
5.64%
48 Months
View
▼
APR5.64%
Term48 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates effective October 12, 2026

Rate History
No change since Oct 8, 2026 · 5.64% APR · checked 2 times
5.14%5.64%6.14%Oct 8, 2026: 5.64% APROct 8, 2026Oct 13, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1605 Lititz Pike, Lancaster, PA, 17601
Auto Loan
5.64%
60 Months
View
▼
APR5.64%
Term60 Months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2024 - 2026 Vehicles

Rate History
No change since Sep 17, 2026 · 5.64% APR · checked 2 times
5.14%5.64%6.14%Sep 17, 2026: 5.64% APRSep 17, 2026Oct 13, 2026
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
New Vehicles Loan
5.65%
6 years
View
▼
APR5.65%
Term6 years
Last UpdatedOct 12, 2026
Details

FICO: 690-729

Rate History
No change since Oct 12, 2026 · 5.65% APR
5.15%5.65%6.15%Oct 12, 2026: 5.65% APROct 12, 2026Oct 13, 2026
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
Used Vehicles - 2017 and older Loan
5.65%
5 years
View
▼
APR5.65%
Interest Rate5.65%
Term5 years
Last UpdatedOct 12, 2026
Details

FICO: 730 +

Rate History
1 change since Sep 16, 2026 · 4.95% → 5.65% ▲ 0.70 pts · high 5.65% / low 4.95%
4.25%5.30%6.35%Sep 16, 2026: 4.95% APRSep 25, 2026: 5.65% APRSep 16, 2026Oct 13, 2026
  • Sep 25, 20265.65%▲ from 4.95%
  • Sep 16, 20264.95%first recorded
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
750 E King St, Lancaster, PA, 17602
New & Used Auto Loans
5.69%
1 - 63 Months
View
▼
APR5.69%
Term1 - 63 Months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2023 and Newer; Vehicle Value (Minimum): $3,000.00; Loan Amount (Minimum): $1,000.00

Rate History
1 change since Sep 14, 2026 · 5.44% → 5.69% ▲ 0.25 pts · high 5.69% / low 5.44%
4.94%5.57%6.19%Sep 14, 2026: 5.44% APROct 1, 2026: 5.69% APRSep 14, 2026Oct 13, 2026
  • Oct 1, 20265.69%▲ from 5.44%
  • Sep 14, 20265.44%first recorded
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
Used Vehicles - 2017 and older Loan
5.75%
3 years
View
▼
APR5.75%
Interest Rate5.75%
Term3 years
Last UpdatedOct 12, 2026
Details

FICO: 690-729

Rate History
1 change since Sep 16, 2026 · 5.15% → 5.75% ▲ 0.60 pts · high 5.75% / low 5.15%
4.55%5.45%6.35%Sep 16, 2026: 5.15% APRSep 25, 2026: 5.75% APRSep 16, 2026Oct 13, 2026
  • Sep 25, 20265.75%▲ from 5.15%
  • Sep 16, 20265.15%first recorded
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
Used Auto Loans (2019 and Older)
5.75%
60 months
View
▼
APR5.75%
Term60 months
Last UpdatedOct 9, 2026
Details

FICO Score: 700 - 749

Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 5 times
5.25%5.75%6.25%Sep 14, 2026: 5.75% APRSep 14, 2026Oct 13, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1605 Lititz Pike, Lancaster, PA, 17601
Auto Loan
5.89%
12 Months
View
▼
APR5.89%
Term12 Months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2021 - 2023 Vehicles

Rate History
1 change since Oct 8, 2026 · 5.64% → 5.89% ▲ 0.25 pts · high 5.89% / low 5.64%
5.14%5.77%6.39%Oct 8, 2026: 5.64% APROct 12, 2026: 5.89% APROct 8, 2026Oct 13, 2026
  • Oct 12, 20265.89%▲ from 5.64%
  • Oct 8, 20265.64%first recorded
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1605 Lititz Pike, Lancaster, PA, 17601
Auto Loan
5.89%
24 Months
View
▼
APR5.89%
Term24 Months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2021 - 2023 Vehicles

Rate History
1 change since Oct 8, 2026 · 5.64% → 5.89% ▲ 0.25 pts · high 5.89% / low 5.64%
5.14%5.77%6.39%Oct 8, 2026: 5.64% APROct 12, 2026: 5.89% APROct 8, 2026Oct 13, 2026
  • Oct 12, 20265.89%▲ from 5.64%
  • Oct 8, 20265.64%first recorded
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1605 Lititz Pike, Lancaster, PA, 17601
Auto Loan
5.89%
36 Months
View
▼
APR5.89%
Term36 Months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2021 - 2023 Vehicles

Rate History
1 change since Oct 8, 2026 · 5.64% → 5.89% ▲ 0.25 pts · high 5.89% / low 5.64%
5.14%5.77%6.39%Oct 8, 2026: 5.64% APROct 12, 2026: 5.89% APROct 8, 2026Oct 13, 2026
  • Oct 12, 20265.89%▲ from 5.64%
  • Oct 8, 20265.64%first recorded
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1605 Lititz Pike, Lancaster, PA, 17601
Auto Loan
5.89%
48 Months
View
▼
APR5.89%
Term48 Months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2021 - 2023 Vehicles

Rate History
1 change since Oct 8, 2026 · 5.64% → 5.89% ▲ 0.25 pts · high 5.89% / low 5.64%
5.14%5.77%6.39%Oct 8, 2026: 5.64% APROct 12, 2026: 5.89% APROct 8, 2026Oct 13, 2026
  • Oct 12, 20265.89%▲ from 5.64%
  • Oct 8, 20265.64%first recorded
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1605 Lititz Pike, Lancaster, PA, 17601
Auto Loan
5.89%
60 Months
View
▼
APR5.89%
Term60 Months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2021 - 2023 Vehicles

Rate History
1 change since Sep 17, 2026 · 5.64% → 5.89% ▲ 0.25 pts · high 5.89% / low 5.64%
5.14%5.77%6.39%Sep 17, 2026: 5.64% APROct 12, 2026: 5.89% APRSep 17, 2026Oct 13, 2026
  • Oct 12, 20265.89%▲ from 5.64%
  • Sep 17, 20265.64%first recorded
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
750 E King St, Lancaster, PA, 17602
New & Used Auto Loans
5.94%
1 - 63 Months
View
▼
APR5.94%
Term1 - 63 Months
Last UpdatedOct 13, 2026
Details

As Low As; Vehicle Value (Minimum) $3,000.00; Loan Amount (Minimum) $1,000.00; Model year not stated in source table

Rate History
2 changes since Sep 14, 2026 · 5.44% → 5.94% ▲ 0.50 pts · high 5.94% / low 5.44%
4.94%5.69%6.44%Sep 14, 2026: 5.44% APROct 1, 2026: 5.69% APROct 13, 2026: 5.94% APRSep 14, 2026Oct 13, 2026
  • Oct 13, 20265.94%▲ from 5.69%
  • Oct 1, 20265.69%▲ from 5.44%
  • Sep 14, 20265.44%first recorded
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
Used Vehicles - 2017 and older Loan
5.95%
4 years
View
▼
APR5.95%
Interest Rate5.95%
Term4 years
Last UpdatedOct 12, 2026
Details

FICO: 690-729

Rate History
No change since Sep 16, 2026 · 5.95% APR · checked 5 times
5.45%5.95%6.45%Sep 16, 2026: 5.95% APRSep 16, 2026Oct 13, 2026
Peoples Security Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
2343 Oregon Pike, Lancaster, PA, 17601
New Car Loans - Model Year 2026-2025
6.04%
Up to 63 Months
View
▼
APR6.04%
Interest Rate5.84%
TermUp to 63 Months
Last UpdatedOct 7, 2026
Details

Model Year 2026-2025

Rate History
No change since Oct 7, 2026 · 6.04% APR · checked 2 times
5.54%6.04%6.54%Oct 7, 2026: 6.04% APROct 7, 2026Oct 13, 2026
Peoples Security Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
2343 Oregon Pike, Lancaster, PA, 17601
Used Car Loan
6.04%
Up to 63 Months
View
▼
APR6.04%
Interest Rate5.84%
TermUp to 63 Months
Last UpdatedOct 7, 2026
Details

Model Year 2025-2024

Rate History
1 change since Sep 14, 2026 · 6.19% → 6.04% ▼ 0.15 pts · high 6.19% / low 6.04%
5.54%6.11%6.69%Sep 14, 2026: 6.19% APROct 7, 2026: 6.04% APRSep 14, 2026Oct 13, 2026
  • Oct 7, 20266.04%▼ from 6.19%
  • Sep 14, 20266.19%first recorded
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1605 Lititz Pike, Lancaster, PA, 17601
Auto Loan
6.04%
72 Months
View
▼
APR6.04%
Term72 Months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2024 - 2026 Vehicles

Rate History
No change since Sep 17, 2026 · 6.04% APR · checked 2 times
5.54%6.04%6.54%Sep 17, 2026: 6.04% APRSep 17, 2026Oct 13, 2026
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
New Vehicles Loan
6.05%
7 years
View
▼
APR6.05%
Term7 years
Last UpdatedOct 12, 2026
Details

FICO: 690-729

Rate History
No change since Oct 12, 2026 · 6.05% APR
5.55%6.05%6.55%Oct 12, 2026: 6.05% APROct 12, 2026Oct 13, 2026
Peoples Security Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
2343 Oregon Pike, Lancaster, PA, 17601
Used Car Loan
6.14%
Up to 63 Months
View
▼
APR6.14%
Interest Rate5.94%
TermUp to 63 Months
Last UpdatedOct 7, 2026
Details

Model Year 2023

Rate History
1 change since Sep 14, 2026 · 6.29% → 6.14% ▼ 0.15 pts · high 6.29% / low 6.14%
5.64%6.21%6.79%Sep 14, 2026: 6.29% APROct 7, 2026: 6.14% APRSep 14, 2026Oct 13, 2026
  • Oct 7, 20266.14%▼ from 6.29%
  • Sep 14, 20266.29%first recorded
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
750 E King St, Lancaster, PA, 17602
New & Used Auto Loans
6.14%
64 - 75 Months
View
▼
APR6.14%
Term64 - 75 Months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2023 and Newer; Vehicle Value (Minimum): $12,000.00; Loan Amount (Minimum): $4,000.00

Rate History
1 change since Sep 14, 2026 · 5.89% → 6.14% ▲ 0.25 pts · high 6.14% / low 5.89%
5.39%6.02%6.64%Sep 14, 2026: 5.89% APROct 1, 2026: 6.14% APRSep 14, 2026Oct 13, 2026
  • Oct 1, 20266.14%▲ from 5.89%
  • Sep 14, 20265.89%first recorded
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
Used Vehicles - 2017 and older Loan
6.15%
5 years
View
▼
APR6.15%
Interest Rate6.15%
Term5 years
Last UpdatedOct 12, 2026
Details

FICO: 690-729

Rate History
1 change since Sep 16, 2026 · 5.45% → 6.15% ▲ 0.70 pts · high 6.15% / low 5.45%
4.75%5.80%6.85%Sep 16, 2026: 5.45% APRSep 25, 2026: 6.15% APRSep 16, 2026Oct 13, 2026
  • Sep 25, 20266.15%▲ from 5.45%
  • Sep 16, 20265.45%first recorded
Peoples Security Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
2343 Oregon Pike, Lancaster, PA, 17601
New Car Loans - Model Year 2026-2025
6.26%
64-75 Months
View
▼
APR6.26%
Interest Rate6.09%
Term64-75 Months
Last UpdatedOct 7, 2026
Details

Model Year 2026-2025

Rate History
No change since Oct 7, 2026 · 6.26% APR · checked 2 times
5.76%6.26%6.76%Oct 7, 2026: 6.26% APROct 7, 2026Oct 13, 2026
Peoples Security Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
2343 Oregon Pike, Lancaster, PA, 17601
Used Car Loan
6.26%
64-75 Months
View
▼
APR6.26%
Interest Rate6.09%
Term64-75 Months
Last UpdatedOct 7, 2026
Details

Model Year 2025-2024

Rate History
1 change since Sep 14, 2026 · 6.41% → 6.26% ▼ 0.15 pts · high 6.41% / low 6.26%
5.76%6.33%6.91%Sep 14, 2026: 6.41% APROct 7, 2026: 6.26% APRSep 14, 2026Oct 13, 2026
  • Oct 7, 20266.26%▼ from 6.41%
  • Sep 14, 20266.41%first recorded
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1605 Lititz Pike, Lancaster, PA, 17601
Auto Loan
6.29%
72 Months
View
▼
APR6.29%
Term72 Months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2021 - 2023 Vehicles

Rate History
1 change since Sep 17, 2026 · 6.04% → 6.29% ▲ 0.25 pts · high 6.29% / low 6.04%
5.54%6.17%6.79%Sep 17, 2026: 6.04% APROct 12, 2026: 6.29% APRSep 17, 2026Oct 13, 2026
  • Oct 12, 20266.29%▲ from 6.04%
  • Sep 17, 20266.04%first recorded
Peoples Security Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
2343 Oregon Pike, Lancaster, PA, 17601
Used Car Loan
6.34%
Up to 63 Months
View
▼
APR6.34%
Interest Rate6.14%
TermUp to 63 Months
Last UpdatedOct 7, 2026
Details

Model Year 2022

Rate History
1 change since Sep 14, 2026 · 6.49% → 6.34% ▼ 0.15 pts · high 6.49% / low 6.34%
5.84%6.41%6.99%Sep 14, 2026: 6.49% APROct 7, 2026: 6.34% APRSep 14, 2026Oct 13, 2026
  • Oct 7, 20266.34%▼ from 6.49%
  • Sep 14, 20266.49%first recorded
Peoples Security Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
2343 Oregon Pike, Lancaster, PA, 17601
Used Car Loan
6.36%
64-75 Months
View
▼
APR6.36%
Interest Rate6.19%
Term64-75 Months
Last UpdatedOct 7, 2026
Details

Model Year 2023

Rate History
1 change since Sep 14, 2026 · 6.51% → 6.36% ▼ 0.15 pts · high 6.51% / low 6.36%
5.86%6.43%7.01%Sep 14, 2026: 6.51% APROct 7, 2026: 6.36% APRSep 14, 2026Oct 13, 2026
  • Oct 7, 20266.36%▼ from 6.51%
  • Sep 14, 20266.51%first recorded
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1605 Lititz Pike, Lancaster, PA, 17601
Auto Loan
6.39%
12 Months
View
▼
APR6.39%
Term12 Months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2018 - 2020 Vehicles

Rate History
1 change since Oct 8, 2026 · 5.64% → 6.39% ▲ 0.75 pts · high 6.39% / low 5.64%
4.89%6.02%7.14%Oct 8, 2026: 5.64% APROct 12, 2026: 6.39% APROct 8, 2026Oct 13, 2026
  • Oct 12, 20266.39%▲ from 5.64%
  • Oct 8, 20265.64%first recorded
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1605 Lititz Pike, Lancaster, PA, 17601
Auto Loan
6.39%
24 Months
View
▼
APR6.39%
Term24 Months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2018 - 2020 Vehicles

Rate History
1 change since Oct 8, 2026 · 5.64% → 6.39% ▲ 0.75 pts · high 6.39% / low 5.64%
4.89%6.02%7.14%Oct 8, 2026: 5.64% APROct 12, 2026: 6.39% APROct 8, 2026Oct 13, 2026
  • Oct 12, 20266.39%▲ from 5.64%
  • Oct 8, 20265.64%first recorded
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1605 Lititz Pike, Lancaster, PA, 17601
Auto Loan
6.39%
36 Months
View
▼
APR6.39%
Term36 Months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2018 - 2020 Vehicles

Rate History
1 change since Oct 8, 2026 · 5.64% → 6.39% ▲ 0.75 pts · high 6.39% / low 5.64%
4.89%6.02%7.14%Oct 8, 2026: 5.64% APROct 12, 2026: 6.39% APROct 8, 2026Oct 13, 2026
  • Oct 12, 20266.39%▲ from 5.64%
  • Oct 8, 20265.64%first recorded
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1605 Lititz Pike, Lancaster, PA, 17601
Auto Loan
6.39%
48 Months
View
▼
APR6.39%
Term48 Months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2018 - 2020 Vehicles

Rate History
1 change since Oct 8, 2026 · 5.64% → 6.39% ▲ 0.75 pts · high 6.39% / low 5.64%
4.89%6.02%7.14%Oct 8, 2026: 5.64% APROct 12, 2026: 6.39% APROct 8, 2026Oct 13, 2026
  • Oct 12, 20266.39%▲ from 5.64%
  • Oct 8, 20265.64%first recorded
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1605 Lititz Pike, Lancaster, PA, 17601
Auto Loan
6.39%
60 Months
View
▼
APR6.39%
Term60 Months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2018 - 2020 Vehicles

Rate History
1 change since Sep 17, 2026 · 6.14% → 6.39% ▲ 0.25 pts · high 6.39% / low 6.14%
5.64%6.27%6.89%Sep 17, 2026: 6.14% APROct 12, 2026: 6.39% APRSep 17, 2026Oct 13, 2026
  • Oct 12, 20266.39%▲ from 6.14%
  • Sep 17, 20266.14%first recorded
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
750 E King St, Lancaster, PA, 17602
New & Used Auto Loans
6.39%
64 - 75 Months
View
▼
APR6.39%
Term64 - 75 Months
Last UpdatedOct 13, 2026
Details

As Low As; Vehicle Value (Minimum) $12,000.00; Loan Amount (Minimum) $4,000.00; Model year not stated in source table

Rate History
2 changes since Sep 14, 2026 · 5.89% → 6.39% ▲ 0.50 pts · high 6.39% / low 5.89%
5.39%6.14%6.89%Sep 14, 2026: 5.89% APROct 1, 2026: 6.14% APROct 13, 2026: 6.39% APRSep 14, 2026Oct 13, 2026
  • Oct 13, 20266.39%▲ from 6.14%
  • Oct 1, 20266.14%▲ from 5.89%
  • Sep 14, 20265.89%first recorded
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1605 Lititz Pike, Lancaster, PA, 17601
Auto Loan
6.44%
84 Months
View
▼
APR6.44%
Term84 Months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2024 - 2026 Vehicles

Rate History
No change since Sep 17, 2026 · 6.44% APR · checked 2 times
5.94%6.44%6.94%Sep 17, 2026: 6.44% APRSep 17, 2026Oct 13, 2026
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
750 E King St, Lancaster, PA, 17602
New & Used Auto Loans
6.44%
1 - 63 Months
View
▼
APR6.44%
Term1 - 63 Months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2019 Model Year and Older; Vehicle Value Minimum: $3,000.00; Loan Amount Minimum: $1,000.00

Rate History
2 changes since Sep 14, 2026 · 5.44% → 6.44% ▲ 1.00 pts · high 6.44% / low 5.44%
4.44%5.94%7.44%Sep 14, 2026: 5.44% APROct 1, 2026: 5.69% APROct 13, 2026: 6.44% APRSep 14, 2026Oct 13, 2026
  • Oct 13, 20266.44%▲ from 5.69%
  • Oct 1, 20265.69%▲ from 5.44%
  • Sep 14, 20265.44%first recorded
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
6.50%
36 months
View
▼
APR6.50%
Interest Rate6.50%
Term36 months
Last UpdatedOct 9, 2026
Details

Credit Score: 650 - 699

Rate History
No change since Sep 14, 2026 · 6.50% APR · checked 7 times
6.00%6.50%7.00%Sep 14, 2026: 6.50% APRSep 14, 2026Oct 13, 2026
Peoples Security Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
2343 Oregon Pike, Lancaster, PA, 17601
Used Car Loan
6.61%
64-75 Months
View
▼
APR6.61%
Interest Rate6.44%
Term64-75 Months
Last UpdatedOct 7, 2026
Details

Model Year 2022

Rate History
1 change since Sep 14, 2026 · 6.76% → 6.61% ▼ 0.15 pts · high 6.76% / low 6.61%
6.11%6.68%7.26%Sep 14, 2026: 6.76% APROct 7, 2026: 6.61% APRSep 14, 2026Oct 13, 2026
  • Oct 7, 20266.61%▼ from 6.76%
  • Sep 14, 20266.76%first recorded
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
New Vehicles Loan
6.65%
3 years
View
▼
APR6.65%
Term3 years
Last UpdatedOct 12, 2026
Details

FICO: 650-689

Rate History
No change since Oct 12, 2026 · 6.65% APR
6.15%6.65%7.15%Oct 12, 2026: 6.65% APROct 12, 2026Oct 13, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1605 Lititz Pike, Lancaster, PA, 17601
Auto Loan
6.69%
84 Months
View
▼
APR6.69%
Term84 Months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2021 - 2023 Vehicles

Rate History
1 change since Sep 17, 2026 · 6.44% → 6.69% ▲ 0.25 pts · high 6.69% / low 6.44%
5.94%6.57%7.19%Sep 17, 2026: 6.44% APROct 12, 2026: 6.69% APRSep 17, 2026Oct 13, 2026
  • Oct 12, 20266.69%▲ from 6.44%
  • Sep 17, 20266.44%first recorded
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1605 Lititz Pike, Lancaster, PA, 17601
Auto Loan
6.69%
72 Months
View
▼
APR6.69%
Term72 Months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2018 - 2020 Vehicles

Rate History
1 change since Sep 17, 2026 · 6.54% → 6.69% ▲ 0.15 pts · high 6.69% / low 6.54%
6.04%6.62%7.19%Sep 17, 2026: 6.54% APROct 12, 2026: 6.69% APRSep 17, 2026Oct 13, 2026
  • Oct 12, 20266.69%▲ from 6.54%
  • Sep 17, 20266.54%first recorded
Peoples Security Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
2343 Oregon Pike, Lancaster, PA, 17601
New Car Loans - Model Year 2026-2025
6.74%
76-84 Months
View
▼
APR6.74%
Interest Rate6.59%
Term76-84 Months
Last UpdatedOct 7, 2026
Details

Model Year 2026-2025

Rate History
No change since Oct 7, 2026 · 6.74% APR · checked 2 times
6.24%6.74%7.24%Oct 7, 2026: 6.74% APROct 7, 2026Oct 13, 2026
Peoples Security Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
2343 Oregon Pike, Lancaster, PA, 17601
Used Car Loan
6.74%
76-84 Months
View
▼
APR6.74%
Interest Rate6.59%
Term76-84 Months
Last UpdatedOct 7, 2026
Details

Model Year 2025-2024

Rate History
1 change since Sep 14, 2026 · 6.89% → 6.74% ▼ 0.15 pts · high 6.89% / low 6.74%
6.24%6.82%7.39%Sep 14, 2026: 6.89% APROct 7, 2026: 6.74% APRSep 14, 2026Oct 13, 2026
  • Oct 7, 20266.74%▼ from 6.89%
  • Sep 14, 20266.89%first recorded
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
6.75%
48 months
View
▼
APR6.75%
Interest Rate6.75%
Term48 months
Last UpdatedOct 9, 2026
Details

Credit Score: 650 - 699

Rate History
No change since Sep 18, 2026 · 6.75% APR · checked 6 times
6.25%6.75%7.25%Sep 18, 2026: 6.75% APRSep 18, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
6.75%
60 months
View
▼
APR6.75%
Interest Rate6.75%
Term60 months
Last UpdatedOct 9, 2026
Details

Credit Score: 650 - 699

Rate History
No change since Sep 18, 2026 · 6.75% APR · checked 6 times
6.25%6.75%7.25%Sep 18, 2026: 6.75% APRSep 18, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
Used Auto Loans (2019 and Older)
6.75%
36 months
View
▼
APR6.75%
Term36 months
Last UpdatedOct 9, 2026
Details

FICO Score: 650 - 699

Rate History
No change since Sep 14, 2026 · 6.75% APR · checked 5 times
6.25%6.75%7.25%Sep 14, 2026: 6.75% APRSep 14, 2026Oct 13, 2026
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
750 E King St, Lancaster, PA, 17602
New & Used Auto Loans
6.79%
76 - 84 Months
View
▼
APR6.79%
Term76 - 84 Months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2023 and Newer; Vehicle Value (Minimum): $20,000.00; Loan Amount (Minimum): $6,000.00

Rate History
1 change since Sep 14, 2026 · 6.54% → 6.79% ▲ 0.25 pts · high 6.79% / low 6.54%
6.04%6.67%7.29%Sep 14, 2026: 6.54% APROct 1, 2026: 6.79% APRSep 14, 2026Oct 13, 2026
  • Oct 1, 20266.79%▲ from 6.54%
  • Sep 14, 20266.54%first recorded
Orrstown Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
1800 Fruitville Pike, Lancaster, PA, 17601
New Vehicles Loan
6.80%
0-60 Months
View
▼
APR6.80%
Term0-60 Months
Last UpdatedOct 7, 2026
Details

Rate History
No change since Sep 15, 2026 · 6.80% APR · checked 5 times
6.30%6.80%7.30%Sep 15, 2026: 6.80% APRSep 15, 2026Oct 13, 2026
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
750 E King St, Lancaster, PA, 17602
New & Used Auto Loans
6.89%
64 - 75 Months
View
▼
APR6.89%
Term64 - 75 Months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2019 Model Year and Older; Vehicle Value Minimum: $12,000.00; Loan Amount Minimum: $4,000.00

Rate History
2 changes since Sep 14, 2026 · 5.89% → 6.89% ▲ 1.00 pts · high 6.89% / low 5.89%
4.89%6.39%7.89%Sep 14, 2026: 5.89% APROct 1, 2026: 6.14% APROct 13, 2026: 6.89% APRSep 14, 2026Oct 13, 2026
  • Oct 13, 20266.89%▲ from 6.14%
  • Oct 1, 20266.14%▲ from 5.89%
  • Sep 14, 20265.89%first recorded
Peoples Security Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
2343 Oregon Pike, Lancaster, PA, 17601
Used Car Loan
6.94%
76-84 Months
View
▼
APR6.94%
Interest Rate6.79%
Term76-84 Months
Last UpdatedOct 7, 2026
Details

Model Year 2023

Rate History
1 change since Sep 14, 2026 · 7.09% → 6.94% ▼ 0.15 pts · high 7.09% / low 6.94%
6.44%7.02%7.59%Sep 14, 2026: 7.09% APROct 7, 2026: 6.94% APRSep 14, 2026Oct 13, 2026
  • Oct 7, 20266.94%▼ from 7.09%
  • Sep 14, 20267.09%first recorded
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
New Vehicles Loan
6.95%
5 years
View
▼
APR6.95%
Term5 years
Last UpdatedOct 12, 2026
Details

FICO: 650-689

Rate History
No change since Oct 12, 2026 · 6.95% APR
6.45%6.95%7.45%Oct 12, 2026: 6.95% APROct 12, 2026Oct 13, 2026
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
Used Vehicles - 2018-2026 Loan
6.95%
4 years
View
▼
APR6.95%
Term4 years
Last UpdatedOct 12, 2026
Details

FICO tier only (drop 'Additional APR' text)

Rate History
No change since Oct 12, 2026 · 6.95% APR
6.45%6.95%7.45%Oct 12, 2026: 6.95% APROct 12, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
7.00%
72 months
View
▼
APR7.00%
Interest Rate7.00%
Term72 months
Last UpdatedOct 9, 2026
Details

Credit Score: 650 - 699

Rate History
No change since Sep 14, 2026 · 7.00% APR · checked 7 times
6.50%7.00%7.50%Sep 14, 2026: 7.00% APRSep 14, 2026Oct 13, 2026
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
750 E King St, Lancaster, PA, 17602
New & Used Auto Loans
7.04%
76 - 84 Months
View
▼
APR7.04%
Term76 - 84 Months
Last UpdatedOct 13, 2026
Details

As Low As; Vehicle Value (Minimum) $20,000.00; Loan Amount (Minimum) $6,000.00; Model year not stated in source table

Rate History
2 changes since Sep 14, 2026 · 6.54% → 7.04% ▲ 0.50 pts · high 7.04% / low 6.54%
6.04%6.79%7.54%Sep 14, 2026: 6.54% APROct 1, 2026: 6.79% APROct 13, 2026: 7.04% APRSep 14, 2026Oct 13, 2026
  • Oct 13, 20267.04%▲ from 6.79%
  • Oct 1, 20266.79%▲ from 6.54%
  • Sep 14, 20266.54%first recorded
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
New Vehicles Loan
7.15%
6 years
View
▼
APR7.15%
Term6 years
Last UpdatedOct 12, 2026
Details

FICO: 650-689

Rate History
No change since Oct 12, 2026 · 7.15% APR
6.65%7.15%7.65%Oct 12, 2026: 7.15% APROct 12, 2026Oct 13, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1605 Lititz Pike, Lancaster, PA, 17601
Auto Loan
7.19%
84 Months
View
▼
APR7.19%
Term84 Months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2018 - 2020 Vehicles

Rate History
1 change since Sep 17, 2026 · 6.94% → 7.19% ▲ 0.25 pts · high 7.19% / low 6.94%
6.44%7.07%7.69%Sep 17, 2026: 6.94% APROct 12, 2026: 7.19% APRSep 17, 2026Oct 13, 2026
  • Oct 12, 20267.19%▲ from 6.94%
  • Sep 17, 20266.94%first recorded
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
Used Vehicles - 2017 and older Loan
7.25%
3 years
View
▼
APR7.25%
Interest Rate7.25%
Term3 years
Last UpdatedOct 12, 2026
Details

FICO: 650-689

Rate History
1 change since Sep 16, 2026 · 6.65% → 7.25% ▲ 0.60 pts · high 7.25% / low 6.65%
6.05%6.95%7.85%Sep 16, 2026: 6.65% APRSep 25, 2026: 7.25% APRSep 16, 2026Oct 13, 2026
  • Sep 25, 20267.25%▲ from 6.65%
  • Sep 16, 20266.65%first recorded
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
7.25%
84 months
View
▼
APR7.25%
Interest Rate7.25%
Term84 months
Last UpdatedOct 9, 2026
Details

Credit Score: 650 - 699

Rate History
No change since Sep 14, 2026 · 7.25% APR · checked 7 times
6.75%7.25%7.75%Sep 14, 2026: 7.25% APRSep 14, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
Used Auto Loans (2019 and Older)
7.25%
48 months
View
▼
APR7.25%
Term48 months
Last UpdatedOct 9, 2026
Details

FICO Score: 650 - 699

Rate History
No change since Sep 14, 2026 · 7.25% APR · checked 5 times
6.75%7.25%7.75%Sep 14, 2026: 7.25% APRSep 14, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
Used Auto Loans (2019 and Older)
7.25%
60 months
View
▼
APR7.25%
Term60 months
Last UpdatedOct 9, 2026
Details

FICO Score: 650 - 699

Rate History
No change since Sep 14, 2026 · 7.25% APR · checked 5 times
6.75%7.25%7.75%Sep 14, 2026: 7.25% APRSep 14, 2026Oct 13, 2026
Orrstown Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
1800 Fruitville Pike, Lancaster, PA, 17601
New Vehicles Loan
7.30%
61-72 Months
View
▼
APR7.30%
Term61-72 Months
Last UpdatedOct 7, 2026
Details

Rate History
No change since Sep 15, 2026 · 7.30% APR · checked 5 times
6.80%7.30%7.80%Sep 15, 2026: 7.30% APRSep 15, 2026Oct 13, 2026
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
Used Vehicles - 2017 and older Loan
7.45%
4 years
View
▼
APR7.45%
Interest Rate7.45%
Term4 years
Last UpdatedOct 12, 2026
Details

FICO: 650-689

Rate History
No change since Sep 16, 2026 · 7.45% APR · checked 5 times
6.95%7.45%7.95%Sep 16, 2026: 7.45% APRSep 16, 2026Oct 13, 2026
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
750 E King St, Lancaster, PA, 17602
New & Used Auto Loans
7.54%
76 - 84 Months
View
▼
APR7.54%
Term76 - 84 Months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2019 Model Year and Older; Vehicle Value Minimum: $20,000.00; Loan Amount Minimum: $6,000.00

Rate History
2 changes since Sep 14, 2026 · 6.54% → 7.54% ▲ 1.00 pts · high 7.54% / low 6.54%
5.54%7.04%8.54%Sep 14, 2026: 6.54% APROct 1, 2026: 6.79% APROct 13, 2026: 7.54% APRSep 14, 2026Oct 13, 2026
  • Oct 13, 20267.54%▲ from 6.79%
  • Oct 1, 20266.79%▲ from 6.54%
  • Sep 14, 20266.54%first recorded
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
New Vehicles Loan
7.55%
7 years
View
▼
APR7.55%
Term7 years
Last UpdatedOct 12, 2026
Details

FICO: 650-689

Rate History
No change since Oct 12, 2026 · 7.55% APR
7.05%7.55%8.05%Oct 12, 2026: 7.55% APROct 12, 2026Oct 13, 2026
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
Used Vehicles - 2017 and older Loan
7.65%
5 years
View
▼
APR7.65%
Interest Rate7.65%
Term5 years
Last UpdatedOct 12, 2026
Details

FICO: 650-689

Rate History
1 change since Sep 16, 2026 · 6.95% → 7.65% ▲ 0.70 pts · high 7.65% / low 6.95%
6.25%7.30%8.35%Sep 16, 2026: 6.95% APRSep 25, 2026: 7.65% APRSep 16, 2026Oct 13, 2026
  • Sep 25, 20267.65%▲ from 6.95%
  • Sep 16, 20266.95%first recorded
Orrstown Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
1800 Fruitville Pike, Lancaster, PA, 17601
Used Vehicles Loan
7.70%
0-60 Months
View
▼
APR7.70%
Term0-60 Months
Last UpdatedOct 7, 2026
Details

Age of Vehicle: 1-4 Years

Rate History
No change since Sep 24, 2026 · 7.70% APR · checked 3 times
7.20%7.70%8.20%Sep 24, 2026: 7.70% APRSep 24, 2026Oct 13, 2026
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
750 E King St, Lancaster, PA, 17602
New & Used Auto Loans
7.79%
85 - 96 Months
View
▼
APR7.79%
Term85 - 96 Months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2023 and Newer; Vehicle Value (Minimum): $40,000.00; Loan Amount (Minimum): $12,000.00

Rate History
1 change since Sep 14, 2026 · 7.54% → 7.79% ▲ 0.25 pts · high 7.79% / low 7.54%
7.04%7.66%8.29%Sep 14, 2026: 7.54% APROct 1, 2026: 7.79% APRSep 14, 2026Oct 13, 2026
  • Oct 1, 20267.79%▲ from 7.54%
  • Sep 14, 20267.54%first recorded
Orrstown Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
1800 Fruitville Pike, Lancaster, PA, 17601
Used Vehicles Loan
7.80%
61-72 Months
View
▼
APR7.80%
Term61-72 Months
Last UpdatedOct 7, 2026
Details

Age of Vehicle: 1-4 Years

Rate History
No change since Sep 24, 2026 · 7.80% APR · checked 3 times
7.30%7.80%8.30%Sep 24, 2026: 7.80% APRSep 24, 2026Oct 13, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1605 Lititz Pike, Lancaster, PA, 17601
Auto Loan
7.89%
12 Months
View
▼
APR7.89%
Term12 Months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2017 & Older Vehicles

Rate History
1 change since Oct 8, 2026 · 5.64% → 7.89% ▲ 2.25 pts · high 7.89% / low 5.64%
3.39%6.77%10.14%Oct 8, 2026: 5.64% APROct 12, 2026: 7.89% APROct 8, 2026Oct 13, 2026
  • Oct 12, 20267.89%▲ from 5.64%
  • Oct 8, 20265.64%first recorded
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1605 Lititz Pike, Lancaster, PA, 17601
Auto Loan
7.89%
24 Months
View
▼
APR7.89%
Term24 Months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2017 & Older Vehicles

Rate History
1 change since Oct 8, 2026 · 5.64% → 7.89% ▲ 2.25 pts · high 7.89% / low 5.64%
3.39%6.77%10.14%Oct 8, 2026: 5.64% APROct 12, 2026: 7.89% APROct 8, 2026Oct 13, 2026
  • Oct 12, 20267.89%▲ from 5.64%
  • Oct 8, 20265.64%first recorded
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1605 Lititz Pike, Lancaster, PA, 17601
Auto Loan
7.89%
36 Months
View
▼
APR7.89%
Term36 Months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2017 & Older Vehicles

Rate History
1 change since Oct 8, 2026 · 5.64% → 7.89% ▲ 2.25 pts · high 7.89% / low 5.64%
3.39%6.77%10.14%Oct 8, 2026: 5.64% APROct 12, 2026: 7.89% APROct 8, 2026Oct 13, 2026
  • Oct 12, 20267.89%▲ from 5.64%
  • Oct 8, 20265.64%first recorded
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1605 Lititz Pike, Lancaster, PA, 17601
Auto Loan
7.89%
48 Months
View
▼
APR7.89%
Term48 Months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2017 & Older Vehicles

Rate History
1 change since Oct 8, 2026 · 5.64% → 7.89% ▲ 2.25 pts · high 7.89% / low 5.64%
3.39%6.77%10.14%Oct 8, 2026: 5.64% APROct 12, 2026: 7.89% APROct 8, 2026Oct 13, 2026
  • Oct 12, 20267.89%▲ from 5.64%
  • Oct 8, 20265.64%first recorded
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1605 Lititz Pike, Lancaster, PA, 17601
Auto Loan
7.89%
60 Months
View
▼
APR7.89%
Term60 Months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2017 & Older Vehicles

Rate History
1 change since Sep 17, 2026 · 7.64% → 7.89% ▲ 0.25 pts · high 7.89% / low 7.64%
7.14%7.77%8.39%Sep 17, 2026: 7.64% APROct 12, 2026: 7.89% APRSep 17, 2026Oct 13, 2026
  • Oct 12, 20267.89%▲ from 7.64%
  • Sep 17, 20267.64%first recorded
Orrstown Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
1800 Fruitville Pike, Lancaster, PA, 17601
Used Vehicles Loan
7.95%
0-48 Months
View
▼
APR7.95%
Term0-48 Months
Last UpdatedOct 7, 2026
Details

Age of Vehicle: 5-10 Years

Rate History
No change since Sep 24, 2026 · 7.95% APR · checked 3 times
7.45%7.95%8.45%Sep 24, 2026: 7.95% APRSep 24, 2026Oct 13, 2026
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
750 E King St, Lancaster, PA, 17602
New & Used Auto Loans
8.04%
85 - 96 Months
View
▼
APR8.04%
Term85 - 96 Months
Last UpdatedOct 13, 2026
Details

As Low As; Vehicle Value (Minimum) $40,000.00; Loan Amount (Minimum) $12,000.00; Model year not stated in source table

Rate History
2 changes since Sep 14, 2026 · 7.54% → 8.04% ▲ 0.50 pts · high 8.04% / low 7.54%
7.04%7.79%8.54%Sep 14, 2026: 7.54% APROct 1, 2026: 7.79% APROct 13, 2026: 8.04% APRSep 14, 2026Oct 13, 2026
  • Oct 13, 20268.04%▲ from 7.79%
  • Oct 1, 20267.79%▲ from 7.54%
  • Sep 14, 20267.54%first recorded
Orrstown Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
1800 Fruitville Pike, Lancaster, PA, 17601
New Vehicles Loan
8.05%
73-84 Months
View
▼
APR8.05%
Term73-84 Months
Last UpdatedOct 7, 2026
Details

Rate History
No change since Sep 15, 2026 · 8.05% APR · checked 5 times
7.55%8.05%8.55%Sep 15, 2026: 8.05% APRSep 15, 2026Oct 13, 2026
Orrstown Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
1800 Fruitville Pike, Lancaster, PA, 17601
Used Vehicles Loan
8.10%
49-60 Months
View
▼
APR8.10%
Term49-60 Months
Last UpdatedOct 7, 2026
Details

Age of Vehicle: 5-10 Years

Rate History
No change since Sep 24, 2026 · 8.10% APR · checked 3 times
7.60%8.10%8.60%Sep 24, 2026: 8.10% APRSep 24, 2026Oct 13, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1605 Lititz Pike, Lancaster, PA, 17601
Auto Loan
8.29%
72 Months
View
▼
APR8.29%
Term72 Months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2017 & Older Vehicles

Rate History
1 change since Sep 17, 2026 · 8.04% → 8.29% ▲ 0.25 pts · high 8.29% / low 8.04%
7.54%8.17%8.79%Sep 17, 2026: 8.04% APROct 12, 2026: 8.29% APRSep 17, 2026Oct 13, 2026
  • Oct 12, 20268.29%▲ from 8.04%
  • Sep 17, 20268.04%first recorded
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
8.50%
36 months
View
▼
APR8.50%
Interest Rate8.50%
Term36 months
Last UpdatedOct 9, 2026
Details

Credit Score: 600 - 649

Rate History
No change since Sep 14, 2026 · 8.50% APR · checked 7 times
8.00%8.50%9.00%Sep 14, 2026: 8.50% APRSep 14, 2026Oct 13, 2026
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
750 E King St, Lancaster, PA, 17602
New & Used Auto Loans
8.54%
85 - 96 Months
View
▼
APR8.54%
Term85 - 96 Months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2019 Model Year and Older; Vehicle Value Minimum: $40,000.00; Loan Amount Minimum: $12,000.00

Rate History
2 changes since Sep 14, 2026 · 7.54% → 8.54% ▲ 1.00 pts · high 8.54% / low 7.54%
6.54%8.04%9.54%Sep 14, 2026: 7.54% APROct 1, 2026: 7.79% APROct 13, 2026: 8.54% APRSep 14, 2026Oct 13, 2026
  • Oct 13, 20268.54%▲ from 7.79%
  • Oct 1, 20267.79%▲ from 7.54%
  • Sep 14, 20267.54%first recorded
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
New Vehicles Loan
8.65%
3 years
View
▼
APR8.65%
Term3 years
Last UpdatedOct 12, 2026
Details

FICO: 610-649

Rate History
No change since Oct 12, 2026 · 8.65% APR
8.15%8.65%9.15%Oct 12, 2026: 8.65% APROct 12, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
8.75%
48 months
View
▼
APR8.75%
Interest Rate8.75%
Term48 months
Last UpdatedOct 9, 2026
Details

Credit Score: 600 - 649

Rate History
No change since Sep 18, 2026 · 8.75% APR · checked 6 times
8.25%8.75%9.25%Sep 18, 2026: 8.75% APRSep 18, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
8.75%
60 months
View
▼
APR8.75%
Interest Rate8.75%
Term60 months
Last UpdatedOct 9, 2026
Details

Credit Score: 600 - 649

Rate History
No change since Sep 18, 2026 · 8.75% APR · checked 6 times
8.25%8.75%9.25%Sep 18, 2026: 8.75% APRSep 18, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
Used Auto Loans (2019 and Older)
8.75%
36 months
View
▼
APR8.75%
Term36 months
Last UpdatedOct 9, 2026
Details

FICO Score: 600 - 649

Rate History
No change since Sep 14, 2026 · 8.75% APR · checked 5 times
8.25%8.75%9.25%Sep 14, 2026: 8.75% APRSep 14, 2026Oct 13, 2026
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
New Vehicles Loan
8.95%
5 years
View
▼
APR8.95%
Term5 years
Last UpdatedOct 12, 2026
Details

FICO: 610-649

Rate History
No change since Oct 12, 2026 · 8.95% APR
8.45%8.95%9.45%Oct 12, 2026: 8.95% APROct 12, 2026Oct 13, 2026
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
Used Vehicles - 2018-2026 Loan
8.95%
4 years
View
▼
APR8.95%
Term4 years
Last UpdatedOct 12, 2026
Details

FICO tier only (drop 'Additional APR' text)

Rate History
No change since Oct 12, 2026 · 8.95% APR
8.45%8.95%9.45%Oct 12, 2026: 8.95% APROct 12, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
9.00%
72 months
View
▼
APR9.00%
Interest Rate9.00%
Term72 months
Last UpdatedOct 9, 2026
Details

Credit Score: 600 - 649

Rate History
No change since Sep 14, 2026 · 9.00% APR · checked 7 times
8.50%9.00%9.50%Sep 14, 2026: 9.00% APRSep 14, 2026Oct 13, 2026
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
New Vehicles Loan
9.15%
6 years
View
▼
APR9.15%
Term6 years
Last UpdatedOct 12, 2026
Details

FICO: 610-649

Rate History
No change since Oct 12, 2026 · 9.15% APR
8.65%9.15%9.65%Oct 12, 2026: 9.15% APROct 12, 2026Oct 13, 2026
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
Used Vehicles - 2017 and older Loan
9.25%
3 years
View
▼
APR9.25%
Interest Rate9.25%
Term3 years
Last UpdatedOct 12, 2026
Details

FICO: 610-649

Rate History
1 change since Sep 16, 2026 · 8.65% → 9.25% ▲ 0.60 pts · high 9.25% / low 8.65%
8.05%8.95%9.85%Sep 16, 2026: 8.65% APRSep 25, 2026: 9.25% APRSep 16, 2026Oct 13, 2026
  • Sep 25, 20269.25%▲ from 8.65%
  • Sep 16, 20268.65%first recorded
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
9.25%
84 months
View
▼
APR9.25%
Interest Rate9.25%
Term84 months
Last UpdatedOct 9, 2026
Details

Credit Score: 600 - 649

Rate History
No change since Sep 14, 2026 · 9.25% APR · checked 7 times
8.75%9.25%9.75%Sep 14, 2026: 9.25% APRSep 14, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
Used Auto Loans (2019 and Older)
9.25%
48 months
View
▼
APR9.25%
Term48 months
Last UpdatedOct 9, 2026
Details

FICO Score: 600 - 649

Rate History
No change since Sep 14, 2026 · 9.25% APR · checked 5 times
8.75%9.25%9.75%Sep 14, 2026: 9.25% APRSep 14, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
Used Auto Loans (2019 and Older)
9.25%
60 months
View
▼
APR9.25%
Term60 months
Last UpdatedOct 9, 2026
Details

FICO Score: 600 - 649

Rate History
No change since Sep 14, 2026 · 9.25% APR · checked 5 times
8.75%9.25%9.75%Sep 14, 2026: 9.25% APRSep 14, 2026Oct 13, 2026
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
Used Vehicles - 2017 and older Loan
9.45%
4 years
View
▼
APR9.45%
Interest Rate9.45%
Term4 years
Last UpdatedOct 12, 2026
Details

FICO: 610-649

Rate History
No change since Sep 16, 2026 · 9.45% APR · checked 5 times
8.95%9.45%9.95%Sep 16, 2026: 9.45% APRSep 16, 2026Oct 13, 2026
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
New Vehicles Loan
9.55%
7 years
View
▼
APR9.55%
Term7 years
Last UpdatedOct 12, 2026
Details

FICO: 610-649

Rate History
No change since Oct 12, 2026 · 9.55% APR
9.05%9.55%10.05%Oct 12, 2026: 9.55% APROct 12, 2026Oct 13, 2026
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
Used Vehicles - 2017 and older Loan
9.65%
5 years
View
▼
APR9.65%
Interest Rate9.65%
Term5 years
Last UpdatedOct 12, 2026
Details

FICO: 610-649

Rate History
1 change since Sep 16, 2026 · 8.95% → 9.65% ▲ 0.70 pts · high 9.65% / low 8.95%
8.25%9.30%10.35%Sep 16, 2026: 8.95% APRSep 25, 2026: 9.65% APRSep 16, 2026Oct 13, 2026
  • Sep 25, 20269.65%▲ from 8.95%
  • Sep 16, 20268.95%first recorded
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
New Vehicles Loan
10.65%
3 years
View
▼
APR10.65%
Term3 years
Last UpdatedOct 12, 2026
Details

FICO: <610

Rate History
No change since Oct 12, 2026 · 10.65% APR
10.15%10.65%11.15%Oct 12, 2026: 10.65% APROct 12, 2026Oct 13, 2026
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
New Vehicles Loan
10.95%
5 years
View
▼
APR10.95%
Term5 years
Last UpdatedOct 12, 2026
Details

FICO: <610

Rate History
No change since Oct 12, 2026 · 10.95% APR
10.45%10.95%11.45%Oct 12, 2026: 10.95% APROct 12, 2026Oct 13, 2026
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
Used Vehicles - 2018-2026 Loan
10.95%
4 years
View
▼
APR10.95%
Term4 years
Last UpdatedOct 12, 2026
Details

FICO tier only (drop 'Additional APR' text)

Rate History
No change since Oct 12, 2026 · 10.95% APR
10.45%10.95%11.45%Oct 12, 2026: 10.95% APROct 12, 2026Oct 13, 2026
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
New Vehicles Loan
11.15%
6 years
View
▼
APR11.15%
Term6 years
Last UpdatedOct 12, 2026
Details

FICO: <610

Rate History
No change since Oct 12, 2026 · 11.15% APR
10.65%11.15%11.65%Oct 12, 2026: 11.15% APROct 12, 2026Oct 13, 2026
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
Used Vehicles - 2017 and older Loan
11.25%
3 years
View
▼
APR11.25%
Interest Rate11.25%
Term3 years
Last UpdatedOct 12, 2026
Details

FICO: <610

Rate History
1 change since Sep 16, 2026 · 10.65% → 11.25% ▲ 0.60 pts · high 11.25% / low 10.65%
10.05%10.95%11.85%Sep 16, 2026: 10.65% APRSep 25, 2026: 11.25% APRSep 16, 2026Oct 13, 2026
  • Sep 25, 202611.25%▲ from 10.65%
  • Sep 16, 202610.65%first recorded
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
Used Vehicles - 2017 and older Loan
11.45%
4 years
View
▼
APR11.45%
Interest Rate11.45%
Term4 years
Last UpdatedOct 12, 2026
Details

FICO: <610

Rate History
No change since Sep 16, 2026 · 11.45% APR · checked 5 times
10.95%11.45%11.95%Sep 16, 2026: 11.45% APRSep 16, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
11.50%
36 months
View
▼
APR11.50%
Interest Rate11.50%
Term36 months
Last UpdatedOct 9, 2026
Details

Credit Score: 599 & below

Rate History
No change since Sep 14, 2026 · 11.50% APR · checked 7 times
11.00%11.50%12.00%Sep 14, 2026: 11.50% APRSep 14, 2026Oct 13, 2026
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
New Vehicles Loan
11.55%
7 years
View
▼
APR11.55%
Term7 years
Last UpdatedOct 12, 2026
Details

FICO: <610

Rate History
No change since Oct 12, 2026 · 11.55% APR
11.05%11.55%12.05%Oct 12, 2026: 11.55% APROct 12, 2026Oct 13, 2026
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
Used Vehicles - 2017 and older Loan
11.65%
5 years
View
▼
APR11.65%
Interest Rate11.65%
Term5 years
Last UpdatedOct 12, 2026
Details

FICO: <610

Rate History
1 change since Sep 16, 2026 · 10.95% → 11.65% ▲ 0.70 pts · high 11.65% / low 10.95%
10.25%11.30%12.35%Sep 16, 2026: 10.95% APRSep 25, 2026: 11.65% APRSep 16, 2026Oct 13, 2026
  • Sep 25, 202611.65%▲ from 10.95%
  • Sep 16, 202610.95%first recorded
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
11.75%
48 months
View
▼
APR11.75%
Interest Rate11.75%
Term48 months
Last UpdatedOct 9, 2026
Details

Credit Score: 599 & below

Rate History
No change since Sep 18, 2026 · 11.75% APR · checked 6 times
11.25%11.75%12.25%Sep 18, 2026: 11.75% APRSep 18, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
11.75%
60 months
View
▼
APR11.75%
Interest Rate11.75%
Term60 months
Last UpdatedOct 9, 2026
Details

Credit Score: 599 & below

Rate History
No change since Sep 18, 2026 · 11.75% APR · checked 6 times
11.25%11.75%12.25%Sep 18, 2026: 11.75% APRSep 18, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
Used Auto Loans (2019 and Older)
11.75%
36 months
View
▼
APR11.75%
Term36 months
Last UpdatedOct 9, 2026
Details

FICO Score: 599 & below

Rate History
No change since Sep 14, 2026 · 11.75% APR · checked 5 times
11.25%11.75%12.25%Sep 14, 2026: 11.75% APRSep 14, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
12.00%
72 months
View
▼
APR12.00%
Interest Rate12.00%
Term72 months
Last UpdatedOct 9, 2026
Details

Credit Score: 599 & below

Rate History
No change since Sep 14, 2026 · 12.00% APR · checked 7 times
11.50%12.00%12.50%Sep 14, 2026: 12.00% APRSep 14, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
12.25%
84 months
View
▼
APR12.25%
Interest Rate12.25%
Term84 months
Last UpdatedOct 9, 2026
Details

Credit Score: 599 & below

Rate History
No change since Sep 14, 2026 · 12.25% APR · checked 7 times
11.75%12.25%12.75%Sep 14, 2026: 12.25% APRSep 14, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
Used Auto Loans (2019 and Older)
12.25%
48 months
View
▼
APR12.25%
Term48 months
Last UpdatedOct 9, 2026
Details

FICO Score: 599 & below

Rate History
No change since Sep 14, 2026 · 12.25% APR · checked 5 times
11.75%12.25%12.75%Sep 14, 2026: 12.25% APRSep 14, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
Used Auto Loans (2019 and Older)
12.50%
60 months
View
▼
APR12.50%
Term60 months
Last UpdatedOct 9, 2026
Details

FICO Score: 599 & below

Rate History
No change since Sep 14, 2026 · 12.50% APR · checked 5 times
12.00%12.50%13.00%Sep 14, 2026: 12.50% APRSep 14, 2026Oct 13, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
Fixed Rate New & Used Auto Loans
2.99%
Up to 36 Months
View
▼
APR2.99%
TermUp to 36 Months
Last UpdatedOct 12, 2026
Details

As Low As; Effective Date: October 02, 2026; Vehicle Model Years: All Years**

Rate History
No change since Sep 17, 2026 · 2.99% APR · checked 6 times
2.49%2.99%3.49%Sep 17, 2026: 2.99% APRSep 17, 2026Oct 13, 2026
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
New Auto Loan
2.99%
4 years
View
▼
APR2.99%
Interest Rate2.99%
Term4 years
Last UpdatedOct 13, 2026
Details

As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment

Rate History
No change since Sep 17, 2026 · 2.99% APR · checked 8 times
2.49%2.99%3.49%Sep 17, 2026: 2.99% APRSep 17, 2026Oct 13, 2026
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
New Auto Loan
2.99%
3 years
View
▼
APR2.99%
Interest Rate2.99%
Term3 years
Last UpdatedOct 13, 2026
Details

As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment

Rate History
No change since Sep 17, 2026 · 2.99% APR · checked 8 times
2.49%2.99%3.49%Sep 17, 2026: 2.99% APRSep 17, 2026Oct 13, 2026
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
New Auto Loan
2.99%
2 years
View
▼
APR2.99%
Interest Rate2.99%
Term2 years
Last UpdatedOct 13, 2026
Details

As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment

Rate History
No change since Sep 17, 2026 · 2.99% APR · checked 8 times
2.49%2.99%3.49%Sep 17, 2026: 2.99% APRSep 17, 2026Oct 13, 2026
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
New Auto Loan
2.99%
1 year
View
▼
APR2.99%
Interest Rate2.99%
Term1 year
Last UpdatedOct 13, 2026
Details

As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment

Rate History
No change since Sep 17, 2026 · 2.99% APR · checked 8 times
2.49%2.99%3.49%Sep 17, 2026: 2.99% APRSep 17, 2026Oct 13, 2026
Wyrope Williamsport Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
Auto Loan
3.00%
Up to 24 Months
View
▼
APR3.00%
TermUp to 24 Months
Last UpdatedOct 13, 2026
Details

As Low As; Maximum Age of Vehicle: N/A; Maximum Mileage: N/A; Maximum LTV: 100%

Rate History
No change since Oct 9, 2026 · 3.00% APR · checked 2 times
2.50%3.00%3.50%Oct 9, 2026: 3.00% APROct 9, 2026Oct 13, 2026
Wyrope Williamsport Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
Auto Loan
3.00%
Up to 36 months
View
▼
APR3.00%
TermUp to 36 months
Last UpdatedOct 13, 2026
Details

As Low As; Maximum Age of Vehicle: 10 Years; Maximum Mileage: N/A; Maximum LTV: 100%

Rate History
No change since Oct 9, 2026 · 3.00% APR · checked 2 times
2.50%3.00%3.50%Oct 9, 2026: 3.00% APROct 9, 2026Oct 13, 2026
Wyrope Williamsport Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
Auto Loan
3.00%
Up to 48 months
View
▼
APR3.00%
TermUp to 48 months
Last UpdatedOct 13, 2026
Details

As Low As; Maximum Age of Vehicle: 10 Years; Maximum Mileage: 100,000; Maximum LTV: 125%

Rate History
No change since Oct 9, 2026 · 3.00% APR · checked 2 times
2.50%3.00%3.50%Oct 9, 2026: 3.00% APROct 9, 2026Oct 13, 2026
Bradford Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
Vehicle Loan
3.00%
Up to 48 Months
View
▼
APR3.00%
TermUp to 48 Months
Last UpdatedOct 13, 2026
Details

As Low As; Loan Type: Vehicles, Personal, Share Secured; .25% discount for Auto Transfer and .25% discount for Active Checking, Christmas Club, or Vacation Account (not for Share Secured Loans)

Rate History
No change since Oct 13, 2026 · 3.00% APR
2.50%3.00%3.50%Oct 13, 2026: 3.00% APROct 13, 2026Oct 13, 2026
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.42%
New Autos - Never Titled
3.24%
Up to 40 months
View
▼
APR3.24%
TermUp to 40 months
Last UpdatedOct 12, 2026
Details

As Low As; Rates effective 01/01/2026

Rate History
No change since Sep 12, 2026 · 3.24% APR · checked 7 times
2.74%3.24%3.74%Sep 12, 2026: 3.24% APRSep 12, 2026Oct 13, 2026
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New Vehicles Loan
3.25%
12 months
View
▼
APR3.25%
Term12 months
Last UpdatedOct 12, 2026
Details

Published APR range: 3.25% - 8.00%.

Rate History
No change since Sep 16, 2026 · 3.25% APR · checked 5 times
2.75%3.25%3.75%Sep 16, 2026: 3.25% APRSep 16, 2026Oct 13, 2026
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New Vehicles Loan
3.25%
24 months
View
▼
APR3.25%
Term24 months
Last UpdatedOct 12, 2026
Details

Published APR range: 3.25% -8.25%.

Rate History
No change since Sep 16, 2026 · 3.25% APR · checked 5 times
2.75%3.25%3.75%Sep 16, 2026: 3.25% APRSep 16, 2026Oct 13, 2026
Bradford Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
Vehicle Loan
3.25%
Up to 60 Months
View
▼
APR3.25%
TermUp to 60 Months
Last UpdatedOct 13, 2026
Details

As Low As; Loan Type: Vehicles, Personal, Share Secured; .25% discount for Auto Transfer and .25% discount for Active Checking, Christmas Club, or Vacation Account (not for Share Secured Loans)

Rate History
No change since Oct 13, 2026 · 3.25% APR
2.75%3.25%3.75%Oct 13, 2026: 3.25% APROct 13, 2026Oct 13, 2026
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New Auto
3.34%
Up to 36 Months
View
▼
APR3.34%
TermUp to 36 Months
Last UpdatedOct 13, 2026
Details

As Low As; Auto & Recreational Loans

Rate History
No change since Sep 14, 2026 · 3.34% APR · checked 7 times
2.84%3.34%3.84%Sep 14, 2026: 3.34% APRSep 14, 2026Oct 13, 2026
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.42%
Used Autos - 2026 - 2024
3.49%
Up to 40 Months
View
▼
APR3.49%
TermUp to 40 Months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2026 - 2024

Rate History
No change since Oct 12, 2026 · 3.49% APR
2.99%3.49%3.99%Oct 12, 2026: 3.49% APROct 12, 2026Oct 13, 2026
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Auto Loan
3.49%
0-36 months
View
▼
APR3.49%
Term0-36 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2024 & newer; Other terms and rates available. Please contact us for more information.

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.49% ▲ 0.24 pts · high 3.49% / low 3.25%
2.75%3.37%3.99%Sep 14, 2026: 3.25% APRSep 25, 2026: 3.49% APRSep 14, 2026Oct 13, 2026
  • Sep 25, 20263.49%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Western PA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
New Auto (1st Owner) - Evergreen Advantage
3.49%
1-36 Months
View
▼
APR3.49%
Term1-36 Months
Last UpdatedOct 13, 2026
Details

As Low As; Evergreen Advantage rate

Rate History
No change since Oct 13, 2026 · 3.49% APR
2.99%3.49%3.99%Oct 13, 2026: 3.49% APROct 13, 2026Oct 13, 2026
Western PA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
New Auto (1st Owner) - Evergreen Advantage
3.49%
37-48 Months
View
▼
APR3.49%
Term37-48 Months
Last UpdatedOct 13, 2026
Details

As Low As; Evergreen Advantage rate

Rate History
No change since Oct 13, 2026 · 3.49% APR
2.99%3.49%3.99%Oct 13, 2026: 3.49% APROct 13, 2026Oct 13, 2026
VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
New Vehicle Loan
3.49%
36 Months
View
▼
APR3.49%
Term36 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.490% - 8.990%. Zero Down Payment

Rate History
No change since Sep 18, 2026 · 3.49% APR · checked 6 times
2.99%3.49%3.99%Sep 18, 2026: 3.49% APRSep 18, 2026Oct 13, 2026
VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
New Vehicle Loan
3.49%
48 Months
View
▼
APR3.49%
Term48 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.490% - 9.240%. Zero Down Payment

Rate History
No change since Sep 18, 2026 · 3.49% APR · checked 6 times
2.99%3.49%3.99%Sep 18, 2026: 3.49% APRSep 18, 2026Oct 13, 2026
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New Vehicles Loan
3.50%
36 months
View
▼
APR3.50%
Term36 months
Last UpdatedOct 12, 2026
Details

Published APR range: 3.50% - 9.00%.

Rate History
No change since Sep 16, 2026 · 3.50% APR · checked 5 times
3.00%3.50%4.00%Sep 16, 2026: 3.50% APRSep 16, 2026Oct 13, 2026
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Used Vehicles - (3-4 Years Old) JD Power Book Price - 90% Financed Loan
3.50%
12 months
View
▼
APR3.50%
Term12 months
Last UpdatedOct 12, 2026
Details

Published APR range: 3.50% - 9.00%. 90% Financed; JD Power Book Price; vehicles 3-4 years old

Rate History
No change since Sep 16, 2026 · 3.50% APR · checked 5 times
3.00%3.50%4.00%Sep 16, 2026: 3.50% APRSep 16, 2026Oct 13, 2026
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Used Vehicles - (5 Years & Older) JD Power Book Price - 85% Financed Loan
3.50%
12 months
View
▼
APR3.50%
Term12 months
Last UpdatedOct 12, 2026
Details

Published APR range: 3.50% - 9.00%. 85% Financed; JD Power Book Price

Rate History
No change since Sep 16, 2026 · 3.50% APR · checked 5 times
3.00%3.50%4.00%Sep 16, 2026: 3.50% APRSep 16, 2026Oct 13, 2026
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Used Vehicles - (5 Years & Older) Loan
3.50%
12 months
View
▼
APR3.50%
Term12 months
Last UpdatedOct 12, 2026
Details

Published APR range: 3.50% - 9.00%. 85% Financed; JD Power Book Price; Vehicles 5 years & older

Rate History
No change since Oct 12, 2026 · 3.50% APR
3.00%3.50%4.00%Oct 12, 2026: 3.50% APROct 12, 2026Oct 13, 2026
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Used Vehicles - Up To 2 Years Old - 100% Financed Loan
3.50%
12 months
View
▼
APR3.50%
Term12 months
Last UpdatedOct 12, 2026
Details

Published APR range: 3.50% - 9.00%. 100% Financed

Rate History
No change since Sep 16, 2026 · 3.50% APR · checked 5 times
3.00%3.50%4.00%Sep 16, 2026: 3.50% APRSep 16, 2026Oct 13, 2026
Fayette Federal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.50%
New Vehicle Loan
3.50%
36 months
View
▼
APR3.50%
Term36 months
Last UpdatedOct 12, 2026
Details

As Low As

Rate History
No change since Sep 18, 2026 · 3.50% APR · checked 7 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APRSep 18, 2026Oct 13, 2026
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
New Auto Loan
3.50%
5 years
View
▼
APR3.50%
Interest Rate3.50%
Term5 years
Last UpdatedOct 13, 2026
Details

As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment

Rate History
No change since Sep 14, 2026 · 3.50% APR · checked 9 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APRSep 14, 2026Oct 13, 2026
Western PA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
New Auto (1st Owner) - Evergreen Advantage
3.64%
49-60 Months
View
▼
APR3.64%
Term49-60 Months
Last UpdatedOct 13, 2026
Details

As Low As; Evergreen Advantage rate

Rate History
No change since Oct 13, 2026 · 3.64% APR
3.14%3.64%4.14%Oct 13, 2026: 3.64% APROct 13, 2026Oct 13, 2026
UFCW COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Vehicle Loan
3.70%
Up to 84 months
View
▼
APR3.70%
TermUp to 84 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 3.70% APR · checked 7 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APRSep 14, 2026Oct 13, 2026
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.42%
New Autos - Never Titled
3.74%
41-52 months
View
▼
APR3.74%
Term41-52 months
Last UpdatedOct 12, 2026
Details

As Low As; Rates effective 01/01/2026

Rate History
No change since Sep 12, 2026 · 3.74% APR · checked 7 times
3.24%3.74%4.24%Sep 12, 2026: 3.74% APRSep 12, 2026Oct 13, 2026
Western PA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
New Auto (1st Owner) - Evergreen Advantage
3.74%
61-72 Months
View
▼
APR3.74%
Term61-72 Months
Last UpdatedOct 13, 2026
Details

As Low As; Evergreen Advantage rate

Rate History
No change since Oct 13, 2026 · 3.74% APR
3.24%3.74%4.24%Oct 13, 2026: 3.74% APROct 13, 2026Oct 13, 2026
Western PA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
Used Auto 2025 - 2020 - Evergreen Advantage
3.74%
1-36 Months
View
▼
APR3.74%
Term1-36 Months
Last UpdatedOct 13, 2026
Details

As Low As; Evergreen Advantage

Rate History
No change since Oct 13, 2026 · 3.74% APR
3.24%3.74%4.24%Oct 13, 2026: 3.74% APROct 13, 2026Oct 13, 2026
Western PA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
Used Auto 2025 - 2020 - Evergreen Advantage
3.74%
37-48 Months
View
▼
APR3.74%
Term37-48 Months
Last UpdatedOct 13, 2026
Details

As Low As; Evergreen Advantage

Rate History
No change since Oct 13, 2026 · 3.74% APR
3.24%3.74%4.24%Oct 13, 2026: 3.74% APROct 13, 2026Oct 13, 2026
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New Vehicles Loan
3.75%
48 months
View
▼
APR3.75%
Term48 months
Last UpdatedOct 12, 2026
Details

Published APR range: 3.75% - 9.75%.

Rate History
No change since Sep 16, 2026 · 3.75% APR · checked 5 times
3.25%3.75%4.25%Sep 16, 2026: 3.75% APRSep 16, 2026Oct 13, 2026
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Used Vehicles - (3-4 Years Old) JD Power Book Price - 90% Financed Loan
3.75%
24 months
View
▼
APR3.75%
Term24 months
Last UpdatedOct 12, 2026
Details

Published APR range: 3.75% - 9.50%. 90% Financed; JD Power Book Price; vehicles 3-4 years old

Rate History
No change since Sep 16, 2026 · 3.75% APR · checked 5 times
3.25%3.75%4.25%Sep 16, 2026: 3.75% APRSep 16, 2026Oct 13, 2026
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Used Vehicles - (5 Years & Older) JD Power Book Price - 85% Financed Loan
3.75%
24 months
View
▼
APR3.75%
Term24 months
Last UpdatedOct 12, 2026
Details

Published APR range: 3.75% - 9.50%. 85% Financed; JD Power Book Price

Rate History
No change since Sep 16, 2026 · 3.75% APR · checked 5 times
3.25%3.75%4.25%Sep 16, 2026: 3.75% APRSep 16, 2026Oct 13, 2026
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Used Vehicles - (5 Years & Older) Loan
3.75%
24 months
View
▼
APR3.75%
Term24 months
Last UpdatedOct 12, 2026
Details

Published APR range: 3.75% - 9.50%. 85% Financed; JD Power Book Price; Vehicles 5 years & older

Rate History
No change since Oct 12, 2026 · 3.75% APR
3.25%3.75%4.25%Oct 12, 2026: 3.75% APROct 12, 2026Oct 13, 2026
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Used Vehicles - Up To 2 Years Old - 100% Financed Loan
3.75%
24 months
View
▼
APR3.75%
Term24 months
Last UpdatedOct 12, 2026
Details

Published APR range: 3.75% - 9.50%. 100% Financed

Rate History
No change since Sep 16, 2026 · 3.75% APR · checked 5 times
3.25%3.75%4.25%Sep 16, 2026: 3.75% APRSep 16, 2026Oct 13, 2026

Lancaster New Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
4.50%
36 months
View
▼
APR4.50%
Interest Rate4.50%
Term36 months
Last UpdatedOct 9, 2026
Details

Credit Score: 750+

Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 7 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APRSep 14, 2026Oct 13, 2026
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
New Vehicles Loan
4.65%
3 years
View
▼
APR4.65%
Term3 years
Last UpdatedOct 12, 2026
Details

FICO: 730 +

Rate History
No change since Oct 12, 2026 · 4.65% APR
4.15%4.65%5.15%Oct 12, 2026: 4.65% APROct 12, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
4.75%
48 months
View
▼
APR4.75%
Interest Rate4.75%
Term48 months
Last UpdatedOct 9, 2026
Details

Credit Score: 750+

Rate History
No change since Sep 18, 2026 · 4.75% APR · checked 6 times
4.25%4.75%5.25%Sep 18, 2026: 4.75% APRSep 18, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
4.75%
60 months
View
▼
APR4.75%
Interest Rate4.75%
Term60 months
Last UpdatedOct 9, 2026
Details

Credit Score: 750+

Rate History
No change since Sep 18, 2026 · 4.75% APR · checked 6 times
4.25%4.75%5.25%Sep 18, 2026: 4.75% APRSep 18, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
4.75%
36 months
View
▼
APR4.75%
Interest Rate4.75%
Term36 months
Last UpdatedOct 9, 2026
Details

Credit Score: 700 - 749

Rate History
1 change since Sep 14, 2026 · 4.50% → 4.75% ▲ 0.25 pts · high 4.75% / low 4.50%
4.00%4.63%5.25%Sep 14, 2026: 4.50% APRSep 18, 2026: 4.75% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20264.75%▲ from 4.50%
  • Sep 14, 20264.50%first recorded
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
New Vehicles Loan
4.95%
5 years
View
▼
APR4.95%
Term5 years
Last UpdatedOct 12, 2026
Details

FICO: 730 +

Rate History
No change since Oct 12, 2026 · 4.95% APR
4.45%4.95%5.45%Oct 12, 2026: 4.95% APROct 12, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
5.00%
72 months
View
▼
APR5.00%
Interest Rate5.00%
Term72 months
Last UpdatedOct 9, 2026
Details

Credit Score: 750+

Rate History
1 change since Sep 14, 2026 · 7.00% → 5.00% ▼ 2.00 pts · high 7.00% / low 5.00%
3.00%6.00%9.00%Sep 14, 2026: 7.00% APRSep 18, 2026: 5.00% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20265.00%▼ from 7.00%
  • Sep 14, 20267.00%first recorded
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
5.00%
48 months
View
▼
APR5.00%
Interest Rate5.00%
Term48 months
Last UpdatedOct 9, 2026
Details

Credit Score: 700 - 749

Rate History
No change since Sep 18, 2026 · 5.00% APR · checked 6 times
4.50%5.00%5.50%Sep 18, 2026: 5.00% APRSep 18, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
5.00%
60 months
View
▼
APR5.00%
Interest Rate5.00%
Term60 months
Last UpdatedOct 9, 2026
Details

Credit Score: 700 - 749

Rate History
No change since Sep 18, 2026 · 5.00% APR · checked 6 times
4.50%5.00%5.50%Sep 18, 2026: 5.00% APRSep 18, 2026Oct 13, 2026
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
New Vehicles Loan
5.15%
3 years
View
▼
APR5.15%
Term3 years
Last UpdatedOct 12, 2026
Details

FICO: 690-729

Rate History
No change since Oct 12, 2026 · 5.15% APR
4.65%5.15%5.65%Oct 12, 2026: 5.15% APROct 12, 2026Oct 13, 2026
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
New Vehicles Loan
5.15%
6 years
View
▼
APR5.15%
Term6 years
Last UpdatedOct 12, 2026
Details

FICO: 730 +

Rate History
No change since Oct 12, 2026 · 5.15% APR
4.65%5.15%5.65%Oct 12, 2026: 5.15% APROct 12, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
5.25%
84 months
View
▼
APR5.25%
Interest Rate5.25%
Term84 months
Last UpdatedOct 9, 2026
Details

Credit Score: 750+

Rate History
1 change since Sep 14, 2026 · 5.50% → 5.25% ▼ 0.25 pts · high 5.50% / low 5.25%
4.75%5.38%6.00%Sep 14, 2026: 5.50% APRSep 18, 2026: 5.25% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20265.25%▼ from 5.50%
  • Sep 14, 20265.50%first recorded
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
5.25%
72 months
View
▼
APR5.25%
Interest Rate5.25%
Term72 months
Last UpdatedOct 9, 2026
Details

Credit Score: 700 - 749

Rate History
1 change since Sep 14, 2026 · 7.00% → 5.25% ▼ 1.75 pts · high 7.00% / low 5.25%
3.50%6.13%8.75%Sep 14, 2026: 7.00% APRSep 18, 2026: 5.25% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20265.25%▼ from 7.00%
  • Sep 14, 20267.00%first recorded
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
New Vehicles Loan
5.45%
5 years
View
▼
APR5.45%
Term5 years
Last UpdatedOct 12, 2026
Details

FICO: 690-729

Rate History
No change since Oct 12, 2026 · 5.45% APR
4.95%5.45%5.95%Oct 12, 2026: 5.45% APROct 12, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
5.50%
84 months
View
▼
APR5.50%
Interest Rate5.50%
Term84 months
Last UpdatedOct 9, 2026
Details

Credit Score: 700 - 749

Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 7 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Oct 13, 2026
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
New Vehicles Loan
5.55%
7 years
View
▼
APR5.55%
Term7 years
Last UpdatedOct 12, 2026
Details

FICO: 730 +

Rate History
No change since Oct 12, 2026 · 5.55% APR
5.05%5.55%6.05%Oct 12, 2026: 5.55% APROct 12, 2026Oct 13, 2026
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
New Vehicles Loan
5.65%
6 years
View
▼
APR5.65%
Term6 years
Last UpdatedOct 12, 2026
Details

FICO: 690-729

Rate History
No change since Oct 12, 2026 · 5.65% APR
5.15%5.65%6.15%Oct 12, 2026: 5.65% APROct 12, 2026Oct 13, 2026
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
750 E King St, Lancaster, PA, 17602
New & Used Auto Loans
5.69%
1 - 63 Months
View
▼
APR5.69%
Term1 - 63 Months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2023 and Newer; Vehicle Value (Minimum): $3,000.00; Loan Amount (Minimum): $1,000.00

Rate History
1 change since Sep 14, 2026 · 5.44% → 5.69% ▲ 0.25 pts · high 5.69% / low 5.44%
4.94%5.57%6.19%Sep 14, 2026: 5.44% APROct 1, 2026: 5.69% APRSep 14, 2026Oct 13, 2026
  • Oct 1, 20265.69%▲ from 5.44%
  • Sep 14, 20265.44%first recorded
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
750 E King St, Lancaster, PA, 17602
New & Used Auto Loans
5.94%
1 - 63 Months
View
▼
APR5.94%
Term1 - 63 Months
Last UpdatedOct 13, 2026
Details

As Low As; Vehicle Value (Minimum) $3,000.00; Loan Amount (Minimum) $1,000.00; Model year not stated in source table

Rate History
2 changes since Sep 14, 2026 · 5.44% → 5.94% ▲ 0.50 pts · high 5.94% / low 5.44%
4.94%5.69%6.44%Sep 14, 2026: 5.44% APROct 1, 2026: 5.69% APROct 13, 2026: 5.94% APRSep 14, 2026Oct 13, 2026
  • Oct 13, 20265.94%▲ from 5.69%
  • Oct 1, 20265.69%▲ from 5.44%
  • Sep 14, 20265.44%first recorded
Peoples Security Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
2343 Oregon Pike, Lancaster, PA, 17601
New Car Loans - Model Year 2026-2025
6.04%
Up to 63 Months
View
▼
APR6.04%
Interest Rate5.84%
TermUp to 63 Months
Last UpdatedOct 7, 2026
Details

Model Year 2026-2025

Rate History
No change since Oct 7, 2026 · 6.04% APR · checked 2 times
5.54%6.04%6.54%Oct 7, 2026: 6.04% APROct 7, 2026Oct 13, 2026
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
New Vehicles Loan
6.05%
7 years
View
▼
APR6.05%
Term7 years
Last UpdatedOct 12, 2026
Details

FICO: 690-729

Rate History
No change since Oct 12, 2026 · 6.05% APR
5.55%6.05%6.55%Oct 12, 2026: 6.05% APROct 12, 2026Oct 13, 2026
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
750 E King St, Lancaster, PA, 17602
New & Used Auto Loans
6.14%
64 - 75 Months
View
▼
APR6.14%
Term64 - 75 Months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2023 and Newer; Vehicle Value (Minimum): $12,000.00; Loan Amount (Minimum): $4,000.00

Rate History
1 change since Sep 14, 2026 · 5.89% → 6.14% ▲ 0.25 pts · high 6.14% / low 5.89%
5.39%6.02%6.64%Sep 14, 2026: 5.89% APROct 1, 2026: 6.14% APRSep 14, 2026Oct 13, 2026
  • Oct 1, 20266.14%▲ from 5.89%
  • Sep 14, 20265.89%first recorded
Peoples Security Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
2343 Oregon Pike, Lancaster, PA, 17601
New Car Loans - Model Year 2026-2025
6.26%
64-75 Months
View
▼
APR6.26%
Interest Rate6.09%
Term64-75 Months
Last UpdatedOct 7, 2026
Details

Model Year 2026-2025

Rate History
No change since Oct 7, 2026 · 6.26% APR · checked 2 times
5.76%6.26%6.76%Oct 7, 2026: 6.26% APROct 7, 2026Oct 13, 2026
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
750 E King St, Lancaster, PA, 17602
New & Used Auto Loans
6.39%
64 - 75 Months
View
▼
APR6.39%
Term64 - 75 Months
Last UpdatedOct 13, 2026
Details

As Low As; Vehicle Value (Minimum) $12,000.00; Loan Amount (Minimum) $4,000.00; Model year not stated in source table

Rate History
2 changes since Sep 14, 2026 · 5.89% → 6.39% ▲ 0.50 pts · high 6.39% / low 5.89%
5.39%6.14%6.89%Sep 14, 2026: 5.89% APROct 1, 2026: 6.14% APROct 13, 2026: 6.39% APRSep 14, 2026Oct 13, 2026
  • Oct 13, 20266.39%▲ from 6.14%
  • Oct 1, 20266.14%▲ from 5.89%
  • Sep 14, 20265.89%first recorded
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
750 E King St, Lancaster, PA, 17602
New & Used Auto Loans
6.44%
1 - 63 Months
View
▼
APR6.44%
Term1 - 63 Months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2019 Model Year and Older; Vehicle Value Minimum: $3,000.00; Loan Amount Minimum: $1,000.00

Rate History
2 changes since Sep 14, 2026 · 5.44% → 6.44% ▲ 1.00 pts · high 6.44% / low 5.44%
4.44%5.94%7.44%Sep 14, 2026: 5.44% APROct 1, 2026: 5.69% APROct 13, 2026: 6.44% APRSep 14, 2026Oct 13, 2026
  • Oct 13, 20266.44%▲ from 5.69%
  • Oct 1, 20265.69%▲ from 5.44%
  • Sep 14, 20265.44%first recorded
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
6.50%
36 months
View
▼
APR6.50%
Interest Rate6.50%
Term36 months
Last UpdatedOct 9, 2026
Details

Credit Score: 650 - 699

Rate History
No change since Sep 14, 2026 · 6.50% APR · checked 7 times
6.00%6.50%7.00%Sep 14, 2026: 6.50% APRSep 14, 2026Oct 13, 2026
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
New Vehicles Loan
6.65%
3 years
View
▼
APR6.65%
Term3 years
Last UpdatedOct 12, 2026
Details

FICO: 650-689

Rate History
No change since Oct 12, 2026 · 6.65% APR
6.15%6.65%7.15%Oct 12, 2026: 6.65% APROct 12, 2026Oct 13, 2026
Peoples Security Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
2343 Oregon Pike, Lancaster, PA, 17601
New Car Loans - Model Year 2026-2025
6.74%
76-84 Months
View
▼
APR6.74%
Interest Rate6.59%
Term76-84 Months
Last UpdatedOct 7, 2026
Details

Model Year 2026-2025

Rate History
No change since Oct 7, 2026 · 6.74% APR · checked 2 times
6.24%6.74%7.24%Oct 7, 2026: 6.74% APROct 7, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
6.75%
48 months
View
▼
APR6.75%
Interest Rate6.75%
Term48 months
Last UpdatedOct 9, 2026
Details

Credit Score: 650 - 699

Rate History
No change since Sep 18, 2026 · 6.75% APR · checked 6 times
6.25%6.75%7.25%Sep 18, 2026: 6.75% APRSep 18, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
6.75%
60 months
View
▼
APR6.75%
Interest Rate6.75%
Term60 months
Last UpdatedOct 9, 2026
Details

Credit Score: 650 - 699

Rate History
No change since Sep 18, 2026 · 6.75% APR · checked 6 times
6.25%6.75%7.25%Sep 18, 2026: 6.75% APRSep 18, 2026Oct 13, 2026
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
750 E King St, Lancaster, PA, 17602
New & Used Auto Loans
6.79%
76 - 84 Months
View
▼
APR6.79%
Term76 - 84 Months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2023 and Newer; Vehicle Value (Minimum): $20,000.00; Loan Amount (Minimum): $6,000.00

Rate History
1 change since Sep 14, 2026 · 6.54% → 6.79% ▲ 0.25 pts · high 6.79% / low 6.54%
6.04%6.67%7.29%Sep 14, 2026: 6.54% APROct 1, 2026: 6.79% APRSep 14, 2026Oct 13, 2026
  • Oct 1, 20266.79%▲ from 6.54%
  • Sep 14, 20266.54%first recorded
Orrstown Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
1800 Fruitville Pike, Lancaster, PA, 17601
New Vehicles Loan
6.80%
0-60 Months
View
▼
APR6.80%
Term0-60 Months
Last UpdatedOct 7, 2026
Details

Rate History
No change since Sep 15, 2026 · 6.80% APR · checked 5 times
6.30%6.80%7.30%Sep 15, 2026: 6.80% APRSep 15, 2026Oct 13, 2026
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
750 E King St, Lancaster, PA, 17602
New & Used Auto Loans
6.89%
64 - 75 Months
View
▼
APR6.89%
Term64 - 75 Months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2019 Model Year and Older; Vehicle Value Minimum: $12,000.00; Loan Amount Minimum: $4,000.00

Rate History
2 changes since Sep 14, 2026 · 5.89% → 6.89% ▲ 1.00 pts · high 6.89% / low 5.89%
4.89%6.39%7.89%Sep 14, 2026: 5.89% APROct 1, 2026: 6.14% APROct 13, 2026: 6.89% APRSep 14, 2026Oct 13, 2026
  • Oct 13, 20266.89%▲ from 6.14%
  • Oct 1, 20266.14%▲ from 5.89%
  • Sep 14, 20265.89%first recorded
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
New Vehicles Loan
6.95%
5 years
View
▼
APR6.95%
Term5 years
Last UpdatedOct 12, 2026
Details

FICO: 650-689

Rate History
No change since Oct 12, 2026 · 6.95% APR
6.45%6.95%7.45%Oct 12, 2026: 6.95% APROct 12, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
7.00%
72 months
View
▼
APR7.00%
Interest Rate7.00%
Term72 months
Last UpdatedOct 9, 2026
Details

Credit Score: 650 - 699

Rate History
No change since Sep 14, 2026 · 7.00% APR · checked 7 times
6.50%7.00%7.50%Sep 14, 2026: 7.00% APRSep 14, 2026Oct 13, 2026
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
750 E King St, Lancaster, PA, 17602
New & Used Auto Loans
7.04%
76 - 84 Months
View
▼
APR7.04%
Term76 - 84 Months
Last UpdatedOct 13, 2026
Details

As Low As; Vehicle Value (Minimum) $20,000.00; Loan Amount (Minimum) $6,000.00; Model year not stated in source table

Rate History
2 changes since Sep 14, 2026 · 6.54% → 7.04% ▲ 0.50 pts · high 7.04% / low 6.54%
6.04%6.79%7.54%Sep 14, 2026: 6.54% APROct 1, 2026: 6.79% APROct 13, 2026: 7.04% APRSep 14, 2026Oct 13, 2026
  • Oct 13, 20267.04%▲ from 6.79%
  • Oct 1, 20266.79%▲ from 6.54%
  • Sep 14, 20266.54%first recorded
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
New Vehicles Loan
7.15%
6 years
View
▼
APR7.15%
Term6 years
Last UpdatedOct 12, 2026
Details

FICO: 650-689

Rate History
No change since Oct 12, 2026 · 7.15% APR
6.65%7.15%7.65%Oct 12, 2026: 7.15% APROct 12, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
7.25%
84 months
View
▼
APR7.25%
Interest Rate7.25%
Term84 months
Last UpdatedOct 9, 2026
Details

Credit Score: 650 - 699

Rate History
No change since Sep 14, 2026 · 7.25% APR · checked 7 times
6.75%7.25%7.75%Sep 14, 2026: 7.25% APRSep 14, 2026Oct 13, 2026
Orrstown Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
1800 Fruitville Pike, Lancaster, PA, 17601
New Vehicles Loan
7.30%
61-72 Months
View
▼
APR7.30%
Term61-72 Months
Last UpdatedOct 7, 2026
Details

Rate History
No change since Sep 15, 2026 · 7.30% APR · checked 5 times
6.80%7.30%7.80%Sep 15, 2026: 7.30% APRSep 15, 2026Oct 13, 2026
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
750 E King St, Lancaster, PA, 17602
New & Used Auto Loans
7.54%
76 - 84 Months
View
▼
APR7.54%
Term76 - 84 Months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2019 Model Year and Older; Vehicle Value Minimum: $20,000.00; Loan Amount Minimum: $6,000.00

Rate History
2 changes since Sep 14, 2026 · 6.54% → 7.54% ▲ 1.00 pts · high 7.54% / low 6.54%
5.54%7.04%8.54%Sep 14, 2026: 6.54% APROct 1, 2026: 6.79% APROct 13, 2026: 7.54% APRSep 14, 2026Oct 13, 2026
  • Oct 13, 20267.54%▲ from 6.79%
  • Oct 1, 20266.79%▲ from 6.54%
  • Sep 14, 20266.54%first recorded
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
New Vehicles Loan
7.55%
7 years
View
▼
APR7.55%
Term7 years
Last UpdatedOct 12, 2026
Details

FICO: 650-689

Rate History
No change since Oct 12, 2026 · 7.55% APR
7.05%7.55%8.05%Oct 12, 2026: 7.55% APROct 12, 2026Oct 13, 2026
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
750 E King St, Lancaster, PA, 17602
New & Used Auto Loans
7.79%
85 - 96 Months
View
▼
APR7.79%
Term85 - 96 Months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2023 and Newer; Vehicle Value (Minimum): $40,000.00; Loan Amount (Minimum): $12,000.00

Rate History
1 change since Sep 14, 2026 · 7.54% → 7.79% ▲ 0.25 pts · high 7.79% / low 7.54%
7.04%7.66%8.29%Sep 14, 2026: 7.54% APROct 1, 2026: 7.79% APRSep 14, 2026Oct 13, 2026
  • Oct 1, 20267.79%▲ from 7.54%
  • Sep 14, 20267.54%first recorded
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
750 E King St, Lancaster, PA, 17602
New & Used Auto Loans
8.04%
85 - 96 Months
View
▼
APR8.04%
Term85 - 96 Months
Last UpdatedOct 13, 2026
Details

As Low As; Vehicle Value (Minimum) $40,000.00; Loan Amount (Minimum) $12,000.00; Model year not stated in source table

Rate History
2 changes since Sep 14, 2026 · 7.54% → 8.04% ▲ 0.50 pts · high 8.04% / low 7.54%
7.04%7.79%8.54%Sep 14, 2026: 7.54% APROct 1, 2026: 7.79% APROct 13, 2026: 8.04% APRSep 14, 2026Oct 13, 2026
  • Oct 13, 20268.04%▲ from 7.79%
  • Oct 1, 20267.79%▲ from 7.54%
  • Sep 14, 20267.54%first recorded
Orrstown Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
1800 Fruitville Pike, Lancaster, PA, 17601
New Vehicles Loan
8.05%
73-84 Months
View
▼
APR8.05%
Term73-84 Months
Last UpdatedOct 7, 2026
Details

Rate History
No change since Sep 15, 2026 · 8.05% APR · checked 5 times
7.55%8.05%8.55%Sep 15, 2026: 8.05% APRSep 15, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
8.50%
36 months
View
▼
APR8.50%
Interest Rate8.50%
Term36 months
Last UpdatedOct 9, 2026
Details

Credit Score: 600 - 649

Rate History
No change since Sep 14, 2026 · 8.50% APR · checked 7 times
8.00%8.50%9.00%Sep 14, 2026: 8.50% APRSep 14, 2026Oct 13, 2026
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
750 E King St, Lancaster, PA, 17602
New & Used Auto Loans
8.54%
85 - 96 Months
View
▼
APR8.54%
Term85 - 96 Months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2019 Model Year and Older; Vehicle Value Minimum: $40,000.00; Loan Amount Minimum: $12,000.00

Rate History
2 changes since Sep 14, 2026 · 7.54% → 8.54% ▲ 1.00 pts · high 8.54% / low 7.54%
6.54%8.04%9.54%Sep 14, 2026: 7.54% APROct 1, 2026: 7.79% APROct 13, 2026: 8.54% APRSep 14, 2026Oct 13, 2026
  • Oct 13, 20268.54%▲ from 7.79%
  • Oct 1, 20267.79%▲ from 7.54%
  • Sep 14, 20267.54%first recorded
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
New Vehicles Loan
8.65%
3 years
View
▼
APR8.65%
Term3 years
Last UpdatedOct 12, 2026
Details

FICO: 610-649

Rate History
No change since Oct 12, 2026 · 8.65% APR
8.15%8.65%9.15%Oct 12, 2026: 8.65% APROct 12, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
8.75%
48 months
View
▼
APR8.75%
Interest Rate8.75%
Term48 months
Last UpdatedOct 9, 2026
Details

Credit Score: 600 - 649

Rate History
No change since Sep 18, 2026 · 8.75% APR · checked 6 times
8.25%8.75%9.25%Sep 18, 2026: 8.75% APRSep 18, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
8.75%
60 months
View
▼
APR8.75%
Interest Rate8.75%
Term60 months
Last UpdatedOct 9, 2026
Details

Credit Score: 600 - 649

Rate History
No change since Sep 18, 2026 · 8.75% APR · checked 6 times
8.25%8.75%9.25%Sep 18, 2026: 8.75% APRSep 18, 2026Oct 13, 2026
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
New Vehicles Loan
8.95%
5 years
View
▼
APR8.95%
Term5 years
Last UpdatedOct 12, 2026
Details

FICO: 610-649

Rate History
No change since Oct 12, 2026 · 8.95% APR
8.45%8.95%9.45%Oct 12, 2026: 8.95% APROct 12, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
9.00%
72 months
View
▼
APR9.00%
Interest Rate9.00%
Term72 months
Last UpdatedOct 9, 2026
Details

Credit Score: 600 - 649

Rate History
No change since Sep 14, 2026 · 9.00% APR · checked 7 times
8.50%9.00%9.50%Sep 14, 2026: 9.00% APRSep 14, 2026Oct 13, 2026
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
New Vehicles Loan
9.15%
6 years
View
▼
APR9.15%
Term6 years
Last UpdatedOct 12, 2026
Details

FICO: 610-649

Rate History
No change since Oct 12, 2026 · 9.15% APR
8.65%9.15%9.65%Oct 12, 2026: 9.15% APROct 12, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
9.25%
84 months
View
▼
APR9.25%
Interest Rate9.25%
Term84 months
Last UpdatedOct 9, 2026
Details

Credit Score: 600 - 649

Rate History
No change since Sep 14, 2026 · 9.25% APR · checked 7 times
8.75%9.25%9.75%Sep 14, 2026: 9.25% APRSep 14, 2026Oct 13, 2026
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
New Vehicles Loan
9.55%
7 years
View
▼
APR9.55%
Term7 years
Last UpdatedOct 12, 2026
Details

FICO: 610-649

Rate History
No change since Oct 12, 2026 · 9.55% APR
9.05%9.55%10.05%Oct 12, 2026: 9.55% APROct 12, 2026Oct 13, 2026
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
New Vehicles Loan
10.65%
3 years
View
▼
APR10.65%
Term3 years
Last UpdatedOct 12, 2026
Details

FICO: <610

Rate History
No change since Oct 12, 2026 · 10.65% APR
10.15%10.65%11.15%Oct 12, 2026: 10.65% APROct 12, 2026Oct 13, 2026
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
New Vehicles Loan
10.95%
5 years
View
▼
APR10.95%
Term5 years
Last UpdatedOct 12, 2026
Details

FICO: <610

Rate History
No change since Oct 12, 2026 · 10.95% APR
10.45%10.95%11.45%Oct 12, 2026: 10.95% APROct 12, 2026Oct 13, 2026
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
New Vehicles Loan
11.15%
6 years
View
▼
APR11.15%
Term6 years
Last UpdatedOct 12, 2026
Details

FICO: <610

Rate History
No change since Oct 12, 2026 · 11.15% APR
10.65%11.15%11.65%Oct 12, 2026: 11.15% APROct 12, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
11.50%
36 months
View
▼
APR11.50%
Interest Rate11.50%
Term36 months
Last UpdatedOct 9, 2026
Details

Credit Score: 599 & below

Rate History
No change since Sep 14, 2026 · 11.50% APR · checked 7 times
11.00%11.50%12.00%Sep 14, 2026: 11.50% APRSep 14, 2026Oct 13, 2026
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
New Vehicles Loan
11.55%
7 years
View
▼
APR11.55%
Term7 years
Last UpdatedOct 12, 2026
Details

FICO: <610

Rate History
No change since Oct 12, 2026 · 11.55% APR
11.05%11.55%12.05%Oct 12, 2026: 11.55% APROct 12, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
11.75%
48 months
View
▼
APR11.75%
Interest Rate11.75%
Term48 months
Last UpdatedOct 9, 2026
Details

Credit Score: 599 & below

Rate History
No change since Sep 18, 2026 · 11.75% APR · checked 6 times
11.25%11.75%12.25%Sep 18, 2026: 11.75% APRSep 18, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
11.75%
60 months
View
▼
APR11.75%
Interest Rate11.75%
Term60 months
Last UpdatedOct 9, 2026
Details

Credit Score: 599 & below

Rate History
No change since Sep 18, 2026 · 11.75% APR · checked 6 times
11.25%11.75%12.25%Sep 18, 2026: 11.75% APRSep 18, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
12.00%
72 months
View
▼
APR12.00%
Interest Rate12.00%
Term72 months
Last UpdatedOct 9, 2026
Details

Credit Score: 599 & below

Rate History
No change since Sep 14, 2026 · 12.00% APR · checked 7 times
11.50%12.00%12.50%Sep 14, 2026: 12.00% APRSep 14, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
12.25%
84 months
View
▼
APR12.25%
Interest Rate12.25%
Term84 months
Last UpdatedOct 9, 2026
Details

Credit Score: 599 & below

Rate History
No change since Sep 14, 2026 · 12.25% APR · checked 7 times
11.75%12.25%12.75%Sep 14, 2026: 12.25% APRSep 14, 2026Oct 13, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
Fixed Rate New & Used Auto Loans
2.99%
Up to 36 Months
View
▼
APR2.99%
TermUp to 36 Months
Last UpdatedOct 12, 2026
Details

As Low As; Effective Date: October 02, 2026; Vehicle Model Years: All Years**

Rate History
No change since Sep 17, 2026 · 2.99% APR · checked 6 times
2.49%2.99%3.49%Sep 17, 2026: 2.99% APRSep 17, 2026Oct 13, 2026
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
New Auto Loan
2.99%
4 years
View
▼
APR2.99%
Interest Rate2.99%
Term4 years
Last UpdatedOct 13, 2026
Details

As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment

Rate History
No change since Sep 17, 2026 · 2.99% APR · checked 8 times
2.49%2.99%3.49%Sep 17, 2026: 2.99% APRSep 17, 2026Oct 13, 2026
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
New Auto Loan
2.99%
3 years
View
▼
APR2.99%
Interest Rate2.99%
Term3 years
Last UpdatedOct 13, 2026
Details

As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment

Rate History
No change since Sep 17, 2026 · 2.99% APR · checked 8 times
2.49%2.99%3.49%Sep 17, 2026: 2.99% APRSep 17, 2026Oct 13, 2026
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
New Auto Loan
2.99%
2 years
View
▼
APR2.99%
Interest Rate2.99%
Term2 years
Last UpdatedOct 13, 2026
Details

As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment

Rate History
No change since Sep 17, 2026 · 2.99% APR · checked 8 times
2.49%2.99%3.49%Sep 17, 2026: 2.99% APRSep 17, 2026Oct 13, 2026
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
New Auto Loan
2.99%
1 year
View
▼
APR2.99%
Interest Rate2.99%
Term1 year
Last UpdatedOct 13, 2026
Details

As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment

Rate History
No change since Sep 17, 2026 · 2.99% APR · checked 8 times
2.49%2.99%3.49%Sep 17, 2026: 2.99% APRSep 17, 2026Oct 13, 2026
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.42%
New Autos - Never Titled
3.24%
Up to 40 months
View
▼
APR3.24%
TermUp to 40 months
Last UpdatedOct 12, 2026
Details

As Low As; Rates effective 01/01/2026

Rate History
No change since Sep 12, 2026 · 3.24% APR · checked 7 times
2.74%3.24%3.74%Sep 12, 2026: 3.24% APRSep 12, 2026Oct 13, 2026
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New Vehicles Loan
3.25%
12 months
View
▼
APR3.25%
Term12 months
Last UpdatedOct 12, 2026
Details

Published APR range: 3.25% - 8.00%.

Rate History
No change since Sep 16, 2026 · 3.25% APR · checked 5 times
2.75%3.25%3.75%Sep 16, 2026: 3.25% APRSep 16, 2026Oct 13, 2026
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New Vehicles Loan
3.25%
24 months
View
▼
APR3.25%
Term24 months
Last UpdatedOct 12, 2026
Details

Published APR range: 3.25% -8.25%.

Rate History
No change since Sep 16, 2026 · 3.25% APR · checked 5 times
2.75%3.25%3.75%Sep 16, 2026: 3.25% APRSep 16, 2026Oct 13, 2026
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New Auto
3.34%
Up to 36 Months
View
▼
APR3.34%
TermUp to 36 Months
Last UpdatedOct 13, 2026
Details

As Low As; Auto & Recreational Loans

Rate History
No change since Sep 14, 2026 · 3.34% APR · checked 7 times
2.84%3.34%3.84%Sep 14, 2026: 3.34% APRSep 14, 2026Oct 13, 2026
Western PA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
New Auto (1st Owner) - Evergreen Advantage
3.49%
1-36 Months
View
▼
APR3.49%
Term1-36 Months
Last UpdatedOct 13, 2026
Details

As Low As; Evergreen Advantage rate

Rate History
No change since Oct 13, 2026 · 3.49% APR
2.99%3.49%3.99%Oct 13, 2026: 3.49% APROct 13, 2026Oct 13, 2026
Western PA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
New Auto (1st Owner) - Evergreen Advantage
3.49%
37-48 Months
View
▼
APR3.49%
Term37-48 Months
Last UpdatedOct 13, 2026
Details

As Low As; Evergreen Advantage rate

Rate History
No change since Oct 13, 2026 · 3.49% APR
2.99%3.49%3.99%Oct 13, 2026: 3.49% APROct 13, 2026Oct 13, 2026
VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
New Vehicle Loan
3.49%
36 Months
View
▼
APR3.49%
Term36 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.490% - 8.990%. Zero Down Payment

Rate History
No change since Sep 18, 2026 · 3.49% APR · checked 6 times
2.99%3.49%3.99%Sep 18, 2026: 3.49% APRSep 18, 2026Oct 13, 2026
VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
New Vehicle Loan
3.49%
48 Months
View
▼
APR3.49%
Term48 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.490% - 9.240%. Zero Down Payment

Rate History
No change since Sep 18, 2026 · 3.49% APR · checked 6 times
2.99%3.49%3.99%Sep 18, 2026: 3.49% APRSep 18, 2026Oct 13, 2026
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New Vehicles Loan
3.50%
36 months
View
▼
APR3.50%
Term36 months
Last UpdatedOct 12, 2026
Details

Published APR range: 3.50% - 9.00%.

Rate History
No change since Sep 16, 2026 · 3.50% APR · checked 5 times
3.00%3.50%4.00%Sep 16, 2026: 3.50% APRSep 16, 2026Oct 13, 2026
Fayette Federal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.50%
New Vehicle Loan
3.50%
36 months
View
▼
APR3.50%
Term36 months
Last UpdatedOct 12, 2026
Details

As Low As

Rate History
No change since Sep 18, 2026 · 3.50% APR · checked 7 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APRSep 18, 2026Oct 13, 2026
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
New Auto Loan
3.50%
5 years
View
▼
APR3.50%
Interest Rate3.50%
Term5 years
Last UpdatedOct 13, 2026
Details

As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment

Rate History
No change since Sep 14, 2026 · 3.50% APR · checked 9 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APRSep 14, 2026Oct 13, 2026
Western PA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
New Auto (1st Owner) - Evergreen Advantage
3.64%
49-60 Months
View
▼
APR3.64%
Term49-60 Months
Last UpdatedOct 13, 2026
Details

As Low As; Evergreen Advantage rate

Rate History
No change since Oct 13, 2026 · 3.64% APR
3.14%3.64%4.14%Oct 13, 2026: 3.64% APROct 13, 2026Oct 13, 2026
UFCW COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Vehicle Loan
3.70%
Up to 84 months
View
▼
APR3.70%
TermUp to 84 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 3.70% APR · checked 7 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APRSep 14, 2026Oct 13, 2026
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.42%
New Autos - Never Titled
3.74%
41-52 months
View
▼
APR3.74%
Term41-52 months
Last UpdatedOct 12, 2026
Details

As Low As; Rates effective 01/01/2026

Rate History
No change since Sep 12, 2026 · 3.74% APR · checked 7 times
3.24%3.74%4.24%Sep 12, 2026: 3.74% APRSep 12, 2026Oct 13, 2026
Western PA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
New Auto (1st Owner) - Evergreen Advantage
3.74%
61-72 Months
View
▼
APR3.74%
Term61-72 Months
Last UpdatedOct 13, 2026
Details

As Low As; Evergreen Advantage rate

Rate History
No change since Oct 13, 2026 · 3.74% APR
3.24%3.74%4.24%Oct 13, 2026: 3.74% APROct 13, 2026Oct 13, 2026
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New Vehicles Loan
3.75%
48 months
View
▼
APR3.75%
Term48 months
Last UpdatedOct 12, 2026
Details

Published APR range: 3.75% - 9.75%.

Rate History
No change since Sep 16, 2026 · 3.75% APR · checked 5 times
3.25%3.75%4.25%Sep 16, 2026: 3.75% APRSep 16, 2026Oct 13, 2026

Lancaster Used Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
4.50%
36 months
View
▼
APR4.50%
Interest Rate4.50%
Term36 months
Last UpdatedOct 9, 2026
Details

Credit Score: 750+

Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 7 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APRSep 14, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
4.75%
48 months
View
▼
APR4.75%
Interest Rate4.75%
Term48 months
Last UpdatedOct 9, 2026
Details

Credit Score: 750+

Rate History
No change since Sep 18, 2026 · 4.75% APR · checked 6 times
4.25%4.75%5.25%Sep 18, 2026: 4.75% APRSep 18, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
4.75%
60 months
View
▼
APR4.75%
Interest Rate4.75%
Term60 months
Last UpdatedOct 9, 2026
Details

Credit Score: 750+

Rate History
No change since Sep 18, 2026 · 4.75% APR · checked 6 times
4.25%4.75%5.25%Sep 18, 2026: 4.75% APRSep 18, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
4.75%
36 months
View
▼
APR4.75%
Interest Rate4.75%
Term36 months
Last UpdatedOct 9, 2026
Details

Credit Score: 700 - 749

Rate History
1 change since Sep 14, 2026 · 4.50% → 4.75% ▲ 0.25 pts · high 4.75% / low 4.50%
4.00%4.63%5.25%Sep 14, 2026: 4.50% APRSep 18, 2026: 4.75% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20264.75%▲ from 4.50%
  • Sep 14, 20264.50%first recorded
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
Used Auto Loans (2019 and Older)
4.75%
36 months
View
▼
APR4.75%
Term36 months
Last UpdatedOct 9, 2026
Details

FICO Score: 750+

Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 5 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APRSep 14, 2026Oct 13, 2026
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
Used Vehicles - 2018-2026 Loan
4.95%
4 years
View
▼
APR4.95%
Term4 years
Last UpdatedOct 12, 2026
Details

FICO tier only (drop 'Additional APR' text)

Rate History
No change since Oct 12, 2026 · 4.95% APR
4.45%4.95%5.45%Oct 12, 2026: 4.95% APROct 12, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
5.00%
72 months
View
▼
APR5.00%
Interest Rate5.00%
Term72 months
Last UpdatedOct 9, 2026
Details

Credit Score: 750+

Rate History
1 change since Sep 14, 2026 · 7.00% → 5.00% ▼ 2.00 pts · high 7.00% / low 5.00%
3.00%6.00%9.00%Sep 14, 2026: 7.00% APRSep 18, 2026: 5.00% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20265.00%▼ from 7.00%
  • Sep 14, 20267.00%first recorded
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
5.00%
48 months
View
▼
APR5.00%
Interest Rate5.00%
Term48 months
Last UpdatedOct 9, 2026
Details

Credit Score: 700 - 749

Rate History
No change since Sep 18, 2026 · 5.00% APR · checked 6 times
4.50%5.00%5.50%Sep 18, 2026: 5.00% APRSep 18, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
5.00%
60 months
View
▼
APR5.00%
Interest Rate5.00%
Term60 months
Last UpdatedOct 9, 2026
Details

Credit Score: 700 - 749

Rate History
No change since Sep 18, 2026 · 5.00% APR · checked 6 times
4.50%5.00%5.50%Sep 18, 2026: 5.00% APRSep 18, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
Used Auto Loans (2019 and Older)
5.00%
36 months
View
▼
APR5.00%
Term36 months
Last UpdatedOct 9, 2026
Details

FICO Score: 700 - 749

Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 5 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Oct 13, 2026
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
Used Vehicles - 2017 and older Loan
5.25%
3 years
View
▼
APR5.25%
Interest Rate5.25%
Term3 years
Last UpdatedOct 12, 2026
Details

FICO: 730 +

Rate History
1 change since Sep 16, 2026 · 4.65% → 5.25% ▲ 0.60 pts · high 5.25% / low 4.65%
4.05%4.95%5.85%Sep 16, 2026: 4.65% APRSep 25, 2026: 5.25% APRSep 16, 2026Oct 13, 2026
  • Sep 25, 20265.25%▲ from 4.65%
  • Sep 16, 20264.65%first recorded
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
5.25%
84 months
View
▼
APR5.25%
Interest Rate5.25%
Term84 months
Last UpdatedOct 9, 2026
Details

Credit Score: 750+

Rate History
1 change since Sep 14, 2026 · 5.50% → 5.25% ▼ 0.25 pts · high 5.50% / low 5.25%
4.75%5.38%6.00%Sep 14, 2026: 5.50% APRSep 18, 2026: 5.25% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20265.25%▼ from 5.50%
  • Sep 14, 20265.50%first recorded
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
5.25%
72 months
View
▼
APR5.25%
Interest Rate5.25%
Term72 months
Last UpdatedOct 9, 2026
Details

Credit Score: 700 - 749

Rate History
1 change since Sep 14, 2026 · 7.00% → 5.25% ▼ 1.75 pts · high 7.00% / low 5.25%
3.50%6.13%8.75%Sep 14, 2026: 7.00% APRSep 18, 2026: 5.25% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20265.25%▼ from 7.00%
  • Sep 14, 20267.00%first recorded
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
Used Auto Loans (2019 and Older)
5.25%
48 months
View
▼
APR5.25%
Term48 months
Last UpdatedOct 9, 2026
Details

FICO Score: 750+

Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 5 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Oct 13, 2026
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
Used Vehicles - 2017 and older Loan
5.45%
4 years
View
▼
APR5.45%
Interest Rate5.45%
Term4 years
Last UpdatedOct 12, 2026
Details

FICO: 730 +

Rate History
No change since Sep 16, 2026 · 5.45% APR · checked 5 times
4.95%5.45%5.95%Sep 16, 2026: 5.45% APRSep 16, 2026Oct 13, 2026
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
Used Vehicles - 2018-2026 Loan
5.45%
4 years
View
▼
APR5.45%
Term4 years
Last UpdatedOct 12, 2026
Details

FICO tier only (drop 'Additional APR' text)

Rate History
No change since Oct 12, 2026 · 5.45% APR
4.95%5.45%5.95%Oct 12, 2026: 5.45% APROct 12, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
5.50%
84 months
View
▼
APR5.50%
Interest Rate5.50%
Term84 months
Last UpdatedOct 9, 2026
Details

Credit Score: 700 - 749

Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 7 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
Used Auto Loans (2019 and Older)
5.50%
60 months
View
▼
APR5.50%
Term60 months
Last UpdatedOct 9, 2026
Details

FICO Score: 750+

Rate History
1 change since Sep 14, 2026 · 5.75% → 5.50% ▼ 0.25 pts · high 5.75% / low 5.50%
5.00%5.63%6.25%Sep 14, 2026: 5.75% APRSep 18, 2026: 5.50% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20265.50%▼ from 5.75%
  • Sep 14, 20265.75%first recorded
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
Used Auto Loans (2019 and Older)
5.50%
48 months
View
▼
APR5.50%
Term48 months
Last UpdatedOct 9, 2026
Details

FICO Score: 700 - 749

Rate History
1 change since Sep 14, 2026 · 5.25% → 5.50% ▲ 0.25 pts · high 5.50% / low 5.25%
4.75%5.38%6.00%Sep 14, 2026: 5.25% APRSep 18, 2026: 5.50% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20265.50%▲ from 5.25%
  • Sep 14, 20265.25%first recorded
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
Used Vehicles - 2017 and older Loan
5.65%
5 years
View
▼
APR5.65%
Interest Rate5.65%
Term5 years
Last UpdatedOct 12, 2026
Details

FICO: 730 +

Rate History
1 change since Sep 16, 2026 · 4.95% → 5.65% ▲ 0.70 pts · high 5.65% / low 4.95%
4.25%5.30%6.35%Sep 16, 2026: 4.95% APRSep 25, 2026: 5.65% APRSep 16, 2026Oct 13, 2026
  • Sep 25, 20265.65%▲ from 4.95%
  • Sep 16, 20264.95%first recorded
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
750 E King St, Lancaster, PA, 17602
New & Used Auto Loans
5.69%
1 - 63 Months
View
▼
APR5.69%
Term1 - 63 Months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2023 and Newer; Vehicle Value (Minimum): $3,000.00; Loan Amount (Minimum): $1,000.00

Rate History
1 change since Sep 14, 2026 · 5.44% → 5.69% ▲ 0.25 pts · high 5.69% / low 5.44%
4.94%5.57%6.19%Sep 14, 2026: 5.44% APROct 1, 2026: 5.69% APRSep 14, 2026Oct 13, 2026
  • Oct 1, 20265.69%▲ from 5.44%
  • Sep 14, 20265.44%first recorded
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
Used Vehicles - 2017 and older Loan
5.75%
3 years
View
▼
APR5.75%
Interest Rate5.75%
Term3 years
Last UpdatedOct 12, 2026
Details

FICO: 690-729

Rate History
1 change since Sep 16, 2026 · 5.15% → 5.75% ▲ 0.60 pts · high 5.75% / low 5.15%
4.55%5.45%6.35%Sep 16, 2026: 5.15% APRSep 25, 2026: 5.75% APRSep 16, 2026Oct 13, 2026
  • Sep 25, 20265.75%▲ from 5.15%
  • Sep 16, 20265.15%first recorded
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
Used Auto Loans (2019 and Older)
5.75%
60 months
View
▼
APR5.75%
Term60 months
Last UpdatedOct 9, 2026
Details

FICO Score: 700 - 749

Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 5 times
5.25%5.75%6.25%Sep 14, 2026: 5.75% APRSep 14, 2026Oct 13, 2026
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
750 E King St, Lancaster, PA, 17602
New & Used Auto Loans
5.94%
1 - 63 Months
View
▼
APR5.94%
Term1 - 63 Months
Last UpdatedOct 13, 2026
Details

As Low As; Vehicle Value (Minimum) $3,000.00; Loan Amount (Minimum) $1,000.00; Model year not stated in source table

Rate History
2 changes since Sep 14, 2026 · 5.44% → 5.94% ▲ 0.50 pts · high 5.94% / low 5.44%
4.94%5.69%6.44%Sep 14, 2026: 5.44% APROct 1, 2026: 5.69% APROct 13, 2026: 5.94% APRSep 14, 2026Oct 13, 2026
  • Oct 13, 20265.94%▲ from 5.69%
  • Oct 1, 20265.69%▲ from 5.44%
  • Sep 14, 20265.44%first recorded
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
Used Vehicles - 2017 and older Loan
5.95%
4 years
View
▼
APR5.95%
Interest Rate5.95%
Term4 years
Last UpdatedOct 12, 2026
Details

FICO: 690-729

Rate History
No change since Sep 16, 2026 · 5.95% APR · checked 5 times
5.45%5.95%6.45%Sep 16, 2026: 5.95% APRSep 16, 2026Oct 13, 2026
Peoples Security Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
2343 Oregon Pike, Lancaster, PA, 17601
Used Car Loan
6.04%
Up to 63 Months
View
▼
APR6.04%
Interest Rate5.84%
TermUp to 63 Months
Last UpdatedOct 7, 2026
Details

Model Year 2025-2024

Rate History
1 change since Sep 14, 2026 · 6.19% → 6.04% ▼ 0.15 pts · high 6.19% / low 6.04%
5.54%6.11%6.69%Sep 14, 2026: 6.19% APROct 7, 2026: 6.04% APRSep 14, 2026Oct 13, 2026
  • Oct 7, 20266.04%▼ from 6.19%
  • Sep 14, 20266.19%first recorded
Peoples Security Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
2343 Oregon Pike, Lancaster, PA, 17601
Used Car Loan
6.14%
Up to 63 Months
View
▼
APR6.14%
Interest Rate5.94%
TermUp to 63 Months
Last UpdatedOct 7, 2026
Details

Model Year 2023

Rate History
1 change since Sep 14, 2026 · 6.29% → 6.14% ▼ 0.15 pts · high 6.29% / low 6.14%
5.64%6.21%6.79%Sep 14, 2026: 6.29% APROct 7, 2026: 6.14% APRSep 14, 2026Oct 13, 2026
  • Oct 7, 20266.14%▼ from 6.29%
  • Sep 14, 20266.29%first recorded
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
750 E King St, Lancaster, PA, 17602
New & Used Auto Loans
6.14%
64 - 75 Months
View
▼
APR6.14%
Term64 - 75 Months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2023 and Newer; Vehicle Value (Minimum): $12,000.00; Loan Amount (Minimum): $4,000.00

Rate History
1 change since Sep 14, 2026 · 5.89% → 6.14% ▲ 0.25 pts · high 6.14% / low 5.89%
5.39%6.02%6.64%Sep 14, 2026: 5.89% APROct 1, 2026: 6.14% APRSep 14, 2026Oct 13, 2026
  • Oct 1, 20266.14%▲ from 5.89%
  • Sep 14, 20265.89%first recorded
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
Used Vehicles - 2017 and older Loan
6.15%
5 years
View
▼
APR6.15%
Interest Rate6.15%
Term5 years
Last UpdatedOct 12, 2026
Details

FICO: 690-729

Rate History
1 change since Sep 16, 2026 · 5.45% → 6.15% ▲ 0.70 pts · high 6.15% / low 5.45%
4.75%5.80%6.85%Sep 16, 2026: 5.45% APRSep 25, 2026: 6.15% APRSep 16, 2026Oct 13, 2026
  • Sep 25, 20266.15%▲ from 5.45%
  • Sep 16, 20265.45%first recorded
Peoples Security Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
2343 Oregon Pike, Lancaster, PA, 17601
Used Car Loan
6.26%
64-75 Months
View
▼
APR6.26%
Interest Rate6.09%
Term64-75 Months
Last UpdatedOct 7, 2026
Details

Model Year 2025-2024

Rate History
1 change since Sep 14, 2026 · 6.41% → 6.26% ▼ 0.15 pts · high 6.41% / low 6.26%
5.76%6.33%6.91%Sep 14, 2026: 6.41% APROct 7, 2026: 6.26% APRSep 14, 2026Oct 13, 2026
  • Oct 7, 20266.26%▼ from 6.41%
  • Sep 14, 20266.41%first recorded
Peoples Security Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
2343 Oregon Pike, Lancaster, PA, 17601
Used Car Loan
6.34%
Up to 63 Months
View
▼
APR6.34%
Interest Rate6.14%
TermUp to 63 Months
Last UpdatedOct 7, 2026
Details

Model Year 2022

Rate History
1 change since Sep 14, 2026 · 6.49% → 6.34% ▼ 0.15 pts · high 6.49% / low 6.34%
5.84%6.41%6.99%Sep 14, 2026: 6.49% APROct 7, 2026: 6.34% APRSep 14, 2026Oct 13, 2026
  • Oct 7, 20266.34%▼ from 6.49%
  • Sep 14, 20266.49%first recorded
Peoples Security Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
2343 Oregon Pike, Lancaster, PA, 17601
Used Car Loan
6.36%
64-75 Months
View
▼
APR6.36%
Interest Rate6.19%
Term64-75 Months
Last UpdatedOct 7, 2026
Details

Model Year 2023

Rate History
1 change since Sep 14, 2026 · 6.51% → 6.36% ▼ 0.15 pts · high 6.51% / low 6.36%
5.86%6.43%7.01%Sep 14, 2026: 6.51% APROct 7, 2026: 6.36% APRSep 14, 2026Oct 13, 2026
  • Oct 7, 20266.36%▼ from 6.51%
  • Sep 14, 20266.51%first recorded
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
750 E King St, Lancaster, PA, 17602
New & Used Auto Loans
6.39%
64 - 75 Months
View
▼
APR6.39%
Term64 - 75 Months
Last UpdatedOct 13, 2026
Details

As Low As; Vehicle Value (Minimum) $12,000.00; Loan Amount (Minimum) $4,000.00; Model year not stated in source table

Rate History
2 changes since Sep 14, 2026 · 5.89% → 6.39% ▲ 0.50 pts · high 6.39% / low 5.89%
5.39%6.14%6.89%Sep 14, 2026: 5.89% APROct 1, 2026: 6.14% APROct 13, 2026: 6.39% APRSep 14, 2026Oct 13, 2026
  • Oct 13, 20266.39%▲ from 6.14%
  • Oct 1, 20266.14%▲ from 5.89%
  • Sep 14, 20265.89%first recorded
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
750 E King St, Lancaster, PA, 17602
New & Used Auto Loans
6.44%
1 - 63 Months
View
▼
APR6.44%
Term1 - 63 Months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2019 Model Year and Older; Vehicle Value Minimum: $3,000.00; Loan Amount Minimum: $1,000.00

Rate History
2 changes since Sep 14, 2026 · 5.44% → 6.44% ▲ 1.00 pts · high 6.44% / low 5.44%
4.44%5.94%7.44%Sep 14, 2026: 5.44% APROct 1, 2026: 5.69% APROct 13, 2026: 6.44% APRSep 14, 2026Oct 13, 2026
  • Oct 13, 20266.44%▲ from 5.69%
  • Oct 1, 20265.69%▲ from 5.44%
  • Sep 14, 20265.44%first recorded
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
6.50%
36 months
View
▼
APR6.50%
Interest Rate6.50%
Term36 months
Last UpdatedOct 9, 2026
Details

Credit Score: 650 - 699

Rate History
No change since Sep 14, 2026 · 6.50% APR · checked 7 times
6.00%6.50%7.00%Sep 14, 2026: 6.50% APRSep 14, 2026Oct 13, 2026
Peoples Security Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
2343 Oregon Pike, Lancaster, PA, 17601
Used Car Loan
6.61%
64-75 Months
View
▼
APR6.61%
Interest Rate6.44%
Term64-75 Months
Last UpdatedOct 7, 2026
Details

Model Year 2022

Rate History
1 change since Sep 14, 2026 · 6.76% → 6.61% ▼ 0.15 pts · high 6.76% / low 6.61%
6.11%6.68%7.26%Sep 14, 2026: 6.76% APROct 7, 2026: 6.61% APRSep 14, 2026Oct 13, 2026
  • Oct 7, 20266.61%▼ from 6.76%
  • Sep 14, 20266.76%first recorded
Peoples Security Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
2343 Oregon Pike, Lancaster, PA, 17601
Used Car Loan
6.74%
76-84 Months
View
▼
APR6.74%
Interest Rate6.59%
Term76-84 Months
Last UpdatedOct 7, 2026
Details

Model Year 2025-2024

Rate History
1 change since Sep 14, 2026 · 6.89% → 6.74% ▼ 0.15 pts · high 6.89% / low 6.74%
6.24%6.82%7.39%Sep 14, 2026: 6.89% APROct 7, 2026: 6.74% APRSep 14, 2026Oct 13, 2026
  • Oct 7, 20266.74%▼ from 6.89%
  • Sep 14, 20266.89%first recorded
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
6.75%
48 months
View
▼
APR6.75%
Interest Rate6.75%
Term48 months
Last UpdatedOct 9, 2026
Details

Credit Score: 650 - 699

Rate History
No change since Sep 18, 2026 · 6.75% APR · checked 6 times
6.25%6.75%7.25%Sep 18, 2026: 6.75% APRSep 18, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
6.75%
60 months
View
▼
APR6.75%
Interest Rate6.75%
Term60 months
Last UpdatedOct 9, 2026
Details

Credit Score: 650 - 699

Rate History
No change since Sep 18, 2026 · 6.75% APR · checked 6 times
6.25%6.75%7.25%Sep 18, 2026: 6.75% APRSep 18, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
Used Auto Loans (2019 and Older)
6.75%
36 months
View
▼
APR6.75%
Term36 months
Last UpdatedOct 9, 2026
Details

FICO Score: 650 - 699

Rate History
No change since Sep 14, 2026 · 6.75% APR · checked 5 times
6.25%6.75%7.25%Sep 14, 2026: 6.75% APRSep 14, 2026Oct 13, 2026
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
750 E King St, Lancaster, PA, 17602
New & Used Auto Loans
6.79%
76 - 84 Months
View
▼
APR6.79%
Term76 - 84 Months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2023 and Newer; Vehicle Value (Minimum): $20,000.00; Loan Amount (Minimum): $6,000.00

Rate History
1 change since Sep 14, 2026 · 6.54% → 6.79% ▲ 0.25 pts · high 6.79% / low 6.54%
6.04%6.67%7.29%Sep 14, 2026: 6.54% APROct 1, 2026: 6.79% APRSep 14, 2026Oct 13, 2026
  • Oct 1, 20266.79%▲ from 6.54%
  • Sep 14, 20266.54%first recorded
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
750 E King St, Lancaster, PA, 17602
New & Used Auto Loans
6.89%
64 - 75 Months
View
▼
APR6.89%
Term64 - 75 Months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2019 Model Year and Older; Vehicle Value Minimum: $12,000.00; Loan Amount Minimum: $4,000.00

Rate History
2 changes since Sep 14, 2026 · 5.89% → 6.89% ▲ 1.00 pts · high 6.89% / low 5.89%
4.89%6.39%7.89%Sep 14, 2026: 5.89% APROct 1, 2026: 6.14% APROct 13, 2026: 6.89% APRSep 14, 2026Oct 13, 2026
  • Oct 13, 20266.89%▲ from 6.14%
  • Oct 1, 20266.14%▲ from 5.89%
  • Sep 14, 20265.89%first recorded
Peoples Security Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
2343 Oregon Pike, Lancaster, PA, 17601
Used Car Loan
6.94%
76-84 Months
View
▼
APR6.94%
Interest Rate6.79%
Term76-84 Months
Last UpdatedOct 7, 2026
Details

Model Year 2023

Rate History
1 change since Sep 14, 2026 · 7.09% → 6.94% ▼ 0.15 pts · high 7.09% / low 6.94%
6.44%7.02%7.59%Sep 14, 2026: 7.09% APROct 7, 2026: 6.94% APRSep 14, 2026Oct 13, 2026
  • Oct 7, 20266.94%▼ from 7.09%
  • Sep 14, 20267.09%first recorded
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
Used Vehicles - 2018-2026 Loan
6.95%
4 years
View
▼
APR6.95%
Term4 years
Last UpdatedOct 12, 2026
Details

FICO tier only (drop 'Additional APR' text)

Rate History
No change since Oct 12, 2026 · 6.95% APR
6.45%6.95%7.45%Oct 12, 2026: 6.95% APROct 12, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
7.00%
72 months
View
▼
APR7.00%
Interest Rate7.00%
Term72 months
Last UpdatedOct 9, 2026
Details

Credit Score: 650 - 699

Rate History
No change since Sep 14, 2026 · 7.00% APR · checked 7 times
6.50%7.00%7.50%Sep 14, 2026: 7.00% APRSep 14, 2026Oct 13, 2026
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
750 E King St, Lancaster, PA, 17602
New & Used Auto Loans
7.04%
76 - 84 Months
View
▼
APR7.04%
Term76 - 84 Months
Last UpdatedOct 13, 2026
Details

As Low As; Vehicle Value (Minimum) $20,000.00; Loan Amount (Minimum) $6,000.00; Model year not stated in source table

Rate History
2 changes since Sep 14, 2026 · 6.54% → 7.04% ▲ 0.50 pts · high 7.04% / low 6.54%
6.04%6.79%7.54%Sep 14, 2026: 6.54% APROct 1, 2026: 6.79% APROct 13, 2026: 7.04% APRSep 14, 2026Oct 13, 2026
  • Oct 13, 20267.04%▲ from 6.79%
  • Oct 1, 20266.79%▲ from 6.54%
  • Sep 14, 20266.54%first recorded
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
Used Vehicles - 2017 and older Loan
7.25%
3 years
View
▼
APR7.25%
Interest Rate7.25%
Term3 years
Last UpdatedOct 12, 2026
Details

FICO: 650-689

Rate History
1 change since Sep 16, 2026 · 6.65% → 7.25% ▲ 0.60 pts · high 7.25% / low 6.65%
6.05%6.95%7.85%Sep 16, 2026: 6.65% APRSep 25, 2026: 7.25% APRSep 16, 2026Oct 13, 2026
  • Sep 25, 20267.25%▲ from 6.65%
  • Sep 16, 20266.65%first recorded
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
7.25%
84 months
View
▼
APR7.25%
Interest Rate7.25%
Term84 months
Last UpdatedOct 9, 2026
Details

Credit Score: 650 - 699

Rate History
No change since Sep 14, 2026 · 7.25% APR · checked 7 times
6.75%7.25%7.75%Sep 14, 2026: 7.25% APRSep 14, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
Used Auto Loans (2019 and Older)
7.25%
48 months
View
▼
APR7.25%
Term48 months
Last UpdatedOct 9, 2026
Details

FICO Score: 650 - 699

Rate History
No change since Sep 14, 2026 · 7.25% APR · checked 5 times
6.75%7.25%7.75%Sep 14, 2026: 7.25% APRSep 14, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
Used Auto Loans (2019 and Older)
7.25%
60 months
View
▼
APR7.25%
Term60 months
Last UpdatedOct 9, 2026
Details

FICO Score: 650 - 699

Rate History
No change since Sep 14, 2026 · 7.25% APR · checked 5 times
6.75%7.25%7.75%Sep 14, 2026: 7.25% APRSep 14, 2026Oct 13, 2026
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
Used Vehicles - 2017 and older Loan
7.45%
4 years
View
▼
APR7.45%
Interest Rate7.45%
Term4 years
Last UpdatedOct 12, 2026
Details

FICO: 650-689

Rate History
No change since Sep 16, 2026 · 7.45% APR · checked 5 times
6.95%7.45%7.95%Sep 16, 2026: 7.45% APRSep 16, 2026Oct 13, 2026
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
750 E King St, Lancaster, PA, 17602
New & Used Auto Loans
7.54%
76 - 84 Months
View
▼
APR7.54%
Term76 - 84 Months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2019 Model Year and Older; Vehicle Value Minimum: $20,000.00; Loan Amount Minimum: $6,000.00

Rate History
2 changes since Sep 14, 2026 · 6.54% → 7.54% ▲ 1.00 pts · high 7.54% / low 6.54%
5.54%7.04%8.54%Sep 14, 2026: 6.54% APROct 1, 2026: 6.79% APROct 13, 2026: 7.54% APRSep 14, 2026Oct 13, 2026
  • Oct 13, 20267.54%▲ from 6.79%
  • Oct 1, 20266.79%▲ from 6.54%
  • Sep 14, 20266.54%first recorded
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
Used Vehicles - 2017 and older Loan
7.65%
5 years
View
▼
APR7.65%
Interest Rate7.65%
Term5 years
Last UpdatedOct 12, 2026
Details

FICO: 650-689

Rate History
1 change since Sep 16, 2026 · 6.95% → 7.65% ▲ 0.70 pts · high 7.65% / low 6.95%
6.25%7.30%8.35%Sep 16, 2026: 6.95% APRSep 25, 2026: 7.65% APRSep 16, 2026Oct 13, 2026
  • Sep 25, 20267.65%▲ from 6.95%
  • Sep 16, 20266.95%first recorded
Orrstown Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
1800 Fruitville Pike, Lancaster, PA, 17601
Used Vehicles Loan
7.70%
0-60 Months
View
▼
APR7.70%
Term0-60 Months
Last UpdatedOct 7, 2026
Details

Age of Vehicle: 1-4 Years

Rate History
No change since Sep 24, 2026 · 7.70% APR · checked 3 times
7.20%7.70%8.20%Sep 24, 2026: 7.70% APRSep 24, 2026Oct 13, 2026
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
750 E King St, Lancaster, PA, 17602
New & Used Auto Loans
7.79%
85 - 96 Months
View
▼
APR7.79%
Term85 - 96 Months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2023 and Newer; Vehicle Value (Minimum): $40,000.00; Loan Amount (Minimum): $12,000.00

Rate History
1 change since Sep 14, 2026 · 7.54% → 7.79% ▲ 0.25 pts · high 7.79% / low 7.54%
7.04%7.66%8.29%Sep 14, 2026: 7.54% APROct 1, 2026: 7.79% APRSep 14, 2026Oct 13, 2026
  • Oct 1, 20267.79%▲ from 7.54%
  • Sep 14, 20267.54%first recorded
Orrstown Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
1800 Fruitville Pike, Lancaster, PA, 17601
Used Vehicles Loan
7.80%
61-72 Months
View
▼
APR7.80%
Term61-72 Months
Last UpdatedOct 7, 2026
Details

Age of Vehicle: 1-4 Years

Rate History
No change since Sep 24, 2026 · 7.80% APR · checked 3 times
7.30%7.80%8.30%Sep 24, 2026: 7.80% APRSep 24, 2026Oct 13, 2026
Orrstown Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
1800 Fruitville Pike, Lancaster, PA, 17601
Used Vehicles Loan
7.95%
0-48 Months
View
▼
APR7.95%
Term0-48 Months
Last UpdatedOct 7, 2026
Details

Age of Vehicle: 5-10 Years

Rate History
No change since Sep 24, 2026 · 7.95% APR · checked 3 times
7.45%7.95%8.45%Sep 24, 2026: 7.95% APRSep 24, 2026Oct 13, 2026
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
750 E King St, Lancaster, PA, 17602
New & Used Auto Loans
8.04%
85 - 96 Months
View
▼
APR8.04%
Term85 - 96 Months
Last UpdatedOct 13, 2026
Details

As Low As; Vehicle Value (Minimum) $40,000.00; Loan Amount (Minimum) $12,000.00; Model year not stated in source table

Rate History
2 changes since Sep 14, 2026 · 7.54% → 8.04% ▲ 0.50 pts · high 8.04% / low 7.54%
7.04%7.79%8.54%Sep 14, 2026: 7.54% APROct 1, 2026: 7.79% APROct 13, 2026: 8.04% APRSep 14, 2026Oct 13, 2026
  • Oct 13, 20268.04%▲ from 7.79%
  • Oct 1, 20267.79%▲ from 7.54%
  • Sep 14, 20267.54%first recorded
Orrstown Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
1800 Fruitville Pike, Lancaster, PA, 17601
Used Vehicles Loan
8.10%
49-60 Months
View
▼
APR8.10%
Term49-60 Months
Last UpdatedOct 7, 2026
Details

Age of Vehicle: 5-10 Years

Rate History
No change since Sep 24, 2026 · 8.10% APR · checked 3 times
7.60%8.10%8.60%Sep 24, 2026: 8.10% APRSep 24, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
8.50%
36 months
View
▼
APR8.50%
Interest Rate8.50%
Term36 months
Last UpdatedOct 9, 2026
Details

Credit Score: 600 - 649

Rate History
No change since Sep 14, 2026 · 8.50% APR · checked 7 times
8.00%8.50%9.00%Sep 14, 2026: 8.50% APRSep 14, 2026Oct 13, 2026
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
750 E King St, Lancaster, PA, 17602
New & Used Auto Loans
8.54%
85 - 96 Months
View
▼
APR8.54%
Term85 - 96 Months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2019 Model Year and Older; Vehicle Value Minimum: $40,000.00; Loan Amount Minimum: $12,000.00

Rate History
2 changes since Sep 14, 2026 · 7.54% → 8.54% ▲ 1.00 pts · high 8.54% / low 7.54%
6.54%8.04%9.54%Sep 14, 2026: 7.54% APROct 1, 2026: 7.79% APROct 13, 2026: 8.54% APRSep 14, 2026Oct 13, 2026
  • Oct 13, 20268.54%▲ from 7.79%
  • Oct 1, 20267.79%▲ from 7.54%
  • Sep 14, 20267.54%first recorded
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
8.75%
48 months
View
▼
APR8.75%
Interest Rate8.75%
Term48 months
Last UpdatedOct 9, 2026
Details

Credit Score: 600 - 649

Rate History
No change since Sep 18, 2026 · 8.75% APR · checked 6 times
8.25%8.75%9.25%Sep 18, 2026: 8.75% APRSep 18, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
8.75%
60 months
View
▼
APR8.75%
Interest Rate8.75%
Term60 months
Last UpdatedOct 9, 2026
Details

Credit Score: 600 - 649

Rate History
No change since Sep 18, 2026 · 8.75% APR · checked 6 times
8.25%8.75%9.25%Sep 18, 2026: 8.75% APRSep 18, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
Used Auto Loans (2019 and Older)
8.75%
36 months
View
▼
APR8.75%
Term36 months
Last UpdatedOct 9, 2026
Details

FICO Score: 600 - 649

Rate History
No change since Sep 14, 2026 · 8.75% APR · checked 5 times
8.25%8.75%9.25%Sep 14, 2026: 8.75% APRSep 14, 2026Oct 13, 2026
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
Used Vehicles - 2018-2026 Loan
8.95%
4 years
View
▼
APR8.95%
Term4 years
Last UpdatedOct 12, 2026
Details

FICO tier only (drop 'Additional APR' text)

Rate History
No change since Oct 12, 2026 · 8.95% APR
8.45%8.95%9.45%Oct 12, 2026: 8.95% APROct 12, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
9.00%
72 months
View
▼
APR9.00%
Interest Rate9.00%
Term72 months
Last UpdatedOct 9, 2026
Details

Credit Score: 600 - 649

Rate History
No change since Sep 14, 2026 · 9.00% APR · checked 7 times
8.50%9.00%9.50%Sep 14, 2026: 9.00% APRSep 14, 2026Oct 13, 2026
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
Used Vehicles - 2017 and older Loan
9.25%
3 years
View
▼
APR9.25%
Interest Rate9.25%
Term3 years
Last UpdatedOct 12, 2026
Details

FICO: 610-649

Rate History
1 change since Sep 16, 2026 · 8.65% → 9.25% ▲ 0.60 pts · high 9.25% / low 8.65%
8.05%8.95%9.85%Sep 16, 2026: 8.65% APRSep 25, 2026: 9.25% APRSep 16, 2026Oct 13, 2026
  • Sep 25, 20269.25%▲ from 8.65%
  • Sep 16, 20268.65%first recorded
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
9.25%
84 months
View
▼
APR9.25%
Interest Rate9.25%
Term84 months
Last UpdatedOct 9, 2026
Details

Credit Score: 600 - 649

Rate History
No change since Sep 14, 2026 · 9.25% APR · checked 7 times
8.75%9.25%9.75%Sep 14, 2026: 9.25% APRSep 14, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
Used Auto Loans (2019 and Older)
9.25%
48 months
View
▼
APR9.25%
Term48 months
Last UpdatedOct 9, 2026
Details

FICO Score: 600 - 649

Rate History
No change since Sep 14, 2026 · 9.25% APR · checked 5 times
8.75%9.25%9.75%Sep 14, 2026: 9.25% APRSep 14, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
Used Auto Loans (2019 and Older)
9.25%
60 months
View
▼
APR9.25%
Term60 months
Last UpdatedOct 9, 2026
Details

FICO Score: 600 - 649

Rate History
No change since Sep 14, 2026 · 9.25% APR · checked 5 times
8.75%9.25%9.75%Sep 14, 2026: 9.25% APRSep 14, 2026Oct 13, 2026
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
Used Vehicles - 2017 and older Loan
9.45%
4 years
View
▼
APR9.45%
Interest Rate9.45%
Term4 years
Last UpdatedOct 12, 2026
Details

FICO: 610-649

Rate History
No change since Sep 16, 2026 · 9.45% APR · checked 5 times
8.95%9.45%9.95%Sep 16, 2026: 9.45% APRSep 16, 2026Oct 13, 2026
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
Used Vehicles - 2017 and older Loan
9.65%
5 years
View
▼
APR9.65%
Interest Rate9.65%
Term5 years
Last UpdatedOct 12, 2026
Details

FICO: 610-649

Rate History
1 change since Sep 16, 2026 · 8.95% → 9.65% ▲ 0.70 pts · high 9.65% / low 8.95%
8.25%9.30%10.35%Sep 16, 2026: 8.95% APRSep 25, 2026: 9.65% APRSep 16, 2026Oct 13, 2026
  • Sep 25, 20269.65%▲ from 8.95%
  • Sep 16, 20268.95%first recorded
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
Used Vehicles - 2018-2026 Loan
10.95%
4 years
View
▼
APR10.95%
Term4 years
Last UpdatedOct 12, 2026
Details

FICO tier only (drop 'Additional APR' text)

Rate History
No change since Oct 12, 2026 · 10.95% APR
10.45%10.95%11.45%Oct 12, 2026: 10.95% APROct 12, 2026Oct 13, 2026
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
Used Vehicles - 2017 and older Loan
11.25%
3 years
View
▼
APR11.25%
Interest Rate11.25%
Term3 years
Last UpdatedOct 12, 2026
Details

FICO: <610

Rate History
1 change since Sep 16, 2026 · 10.65% → 11.25% ▲ 0.60 pts · high 11.25% / low 10.65%
10.05%10.95%11.85%Sep 16, 2026: 10.65% APRSep 25, 2026: 11.25% APRSep 16, 2026Oct 13, 2026
  • Sep 25, 202611.25%▲ from 10.65%
  • Sep 16, 202610.65%first recorded
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
Used Vehicles - 2017 and older Loan
11.45%
4 years
View
▼
APR11.45%
Interest Rate11.45%
Term4 years
Last UpdatedOct 12, 2026
Details

FICO: <610

Rate History
No change since Sep 16, 2026 · 11.45% APR · checked 5 times
10.95%11.45%11.95%Sep 16, 2026: 11.45% APRSep 16, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
11.50%
36 months
View
▼
APR11.50%
Interest Rate11.50%
Term36 months
Last UpdatedOct 9, 2026
Details

Credit Score: 599 & below

Rate History
No change since Sep 14, 2026 · 11.50% APR · checked 7 times
11.00%11.50%12.00%Sep 14, 2026: 11.50% APRSep 14, 2026Oct 13, 2026
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
Used Vehicles - 2017 and older Loan
11.65%
5 years
View
▼
APR11.65%
Interest Rate11.65%
Term5 years
Last UpdatedOct 12, 2026
Details

FICO: <610

Rate History
1 change since Sep 16, 2026 · 10.95% → 11.65% ▲ 0.70 pts · high 11.65% / low 10.95%
10.25%11.30%12.35%Sep 16, 2026: 10.95% APRSep 25, 2026: 11.65% APRSep 16, 2026Oct 13, 2026
  • Sep 25, 202611.65%▲ from 10.95%
  • Sep 16, 202610.95%first recorded
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
11.75%
48 months
View
▼
APR11.75%
Interest Rate11.75%
Term48 months
Last UpdatedOct 9, 2026
Details

Credit Score: 599 & below

Rate History
No change since Sep 18, 2026 · 11.75% APR · checked 6 times
11.25%11.75%12.25%Sep 18, 2026: 11.75% APRSep 18, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
11.75%
60 months
View
▼
APR11.75%
Interest Rate11.75%
Term60 months
Last UpdatedOct 9, 2026
Details

Credit Score: 599 & below

Rate History
No change since Sep 18, 2026 · 11.75% APR · checked 6 times
11.25%11.75%12.25%Sep 18, 2026: 11.75% APRSep 18, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
Used Auto Loans (2019 and Older)
11.75%
36 months
View
▼
APR11.75%
Term36 months
Last UpdatedOct 9, 2026
Details

FICO Score: 599 & below

Rate History
No change since Sep 14, 2026 · 11.75% APR · checked 5 times
11.25%11.75%12.25%Sep 14, 2026: 11.75% APRSep 14, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
12.00%
72 months
View
▼
APR12.00%
Interest Rate12.00%
Term72 months
Last UpdatedOct 9, 2026
Details

Credit Score: 599 & below

Rate History
No change since Sep 14, 2026 · 12.00% APR · checked 7 times
11.50%12.00%12.50%Sep 14, 2026: 12.00% APRSep 14, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
New & Used Auto Loans (2020 and Newer)
12.25%
84 months
View
▼
APR12.25%
Interest Rate12.25%
Term84 months
Last UpdatedOct 9, 2026
Details

Credit Score: 599 & below

Rate History
No change since Sep 14, 2026 · 12.25% APR · checked 7 times
11.75%12.25%12.75%Sep 14, 2026: 12.25% APRSep 14, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
Used Auto Loans (2019 and Older)
12.25%
48 months
View
▼
APR12.25%
Term48 months
Last UpdatedOct 9, 2026
Details

FICO Score: 599 & below

Rate History
No change since Sep 14, 2026 · 12.25% APR · checked 5 times
11.75%12.25%12.75%Sep 14, 2026: 12.25% APRSep 14, 2026Oct 13, 2026
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
50 N Duke St, Lancaster, PA, 17602 2805
Used Auto Loans (2019 and Older)
12.50%
60 months
View
▼
APR12.50%
Term60 months
Last UpdatedOct 9, 2026
Details

FICO Score: 599 & below

Rate History
No change since Sep 14, 2026 · 12.50% APR · checked 5 times
12.00%12.50%13.00%Sep 14, 2026: 12.50% APRSep 14, 2026Oct 13, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
Fixed Rate New & Used Auto Loans
2.99%
Up to 36 Months
View
▼
APR2.99%
TermUp to 36 Months
Last UpdatedOct 12, 2026
Details

As Low As; Effective Date: October 02, 2026; Vehicle Model Years: All Years**

Rate History
No change since Sep 17, 2026 · 2.99% APR · checked 6 times
2.49%2.99%3.49%Sep 17, 2026: 2.99% APRSep 17, 2026Oct 13, 2026
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.42%
Used Autos - 2026 - 2024
3.49%
Up to 40 Months
View
▼
APR3.49%
TermUp to 40 Months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2026 - 2024

Rate History
No change since Oct 12, 2026 · 3.49% APR
2.99%3.49%3.99%Oct 12, 2026: 3.49% APROct 12, 2026Oct 13, 2026
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Used Vehicles - (3-4 Years Old) JD Power Book Price - 90% Financed Loan
3.50%
12 months
View
▼
APR3.50%
Term12 months
Last UpdatedOct 12, 2026
Details

Published APR range: 3.50% - 9.00%. 90% Financed; JD Power Book Price; vehicles 3-4 years old

Rate History
No change since Sep 16, 2026 · 3.50% APR · checked 5 times
3.00%3.50%4.00%Sep 16, 2026: 3.50% APRSep 16, 2026Oct 13, 2026
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Used Vehicles - (5 Years & Older) JD Power Book Price - 85% Financed Loan
3.50%
12 months
View
▼
APR3.50%
Term12 months
Last UpdatedOct 12, 2026
Details

Published APR range: 3.50% - 9.00%. 85% Financed; JD Power Book Price

Rate History
No change since Sep 16, 2026 · 3.50% APR · checked 5 times
3.00%3.50%4.00%Sep 16, 2026: 3.50% APRSep 16, 2026Oct 13, 2026
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Used Vehicles - (5 Years & Older) Loan
3.50%
12 months
View
▼
APR3.50%
Term12 months
Last UpdatedOct 12, 2026
Details

Published APR range: 3.50% - 9.00%. 85% Financed; JD Power Book Price; Vehicles 5 years & older

Rate History
No change since Oct 12, 2026 · 3.50% APR
3.00%3.50%4.00%Oct 12, 2026: 3.50% APROct 12, 2026Oct 13, 2026
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Used Vehicles - Up To 2 Years Old - 100% Financed Loan
3.50%
12 months
View
▼
APR3.50%
Term12 months
Last UpdatedOct 12, 2026
Details

Published APR range: 3.50% - 9.00%. 100% Financed

Rate History
No change since Sep 16, 2026 · 3.50% APR · checked 5 times
3.00%3.50%4.00%Sep 16, 2026: 3.50% APRSep 16, 2026Oct 13, 2026
Western PA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
Used Auto 2025 - 2020 - Evergreen Advantage
3.74%
1-36 Months
View
▼
APR3.74%
Term1-36 Months
Last UpdatedOct 13, 2026
Details

As Low As; Evergreen Advantage

Rate History
No change since Oct 13, 2026 · 3.74% APR
3.24%3.74%4.24%Oct 13, 2026: 3.74% APROct 13, 2026Oct 13, 2026
Western PA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
Used Auto 2025 - 2020 - Evergreen Advantage
3.74%
37-48 Months
View
▼
APR3.74%
Term37-48 Months
Last UpdatedOct 13, 2026
Details

As Low As; Evergreen Advantage

Rate History
No change since Oct 13, 2026 · 3.74% APR
3.24%3.74%4.24%Oct 13, 2026: 3.74% APROct 13, 2026Oct 13, 2026
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Used Vehicles - (3-4 Years Old) JD Power Book Price - 90% Financed Loan
3.75%
24 months
View
▼
APR3.75%
Term24 months
Last UpdatedOct 12, 2026
Details

Published APR range: 3.75% - 9.50%. 90% Financed; JD Power Book Price; vehicles 3-4 years old

Rate History
No change since Sep 16, 2026 · 3.75% APR · checked 5 times
3.25%3.75%4.25%Sep 16, 2026: 3.75% APRSep 16, 2026Oct 13, 2026
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Used Vehicles - (5 Years & Older) JD Power Book Price - 85% Financed Loan
3.75%
24 months
View
▼
APR3.75%
Term24 months
Last UpdatedOct 12, 2026
Details

Published APR range: 3.75% - 9.50%. 85% Financed; JD Power Book Price

Rate History
No change since Sep 16, 2026 · 3.75% APR · checked 5 times
3.25%3.75%4.25%Sep 16, 2026: 3.75% APRSep 16, 2026Oct 13, 2026
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Used Vehicles - (5 Years & Older) Loan
3.75%
24 months
View
▼
APR3.75%
Term24 months
Last UpdatedOct 12, 2026
Details

Published APR range: 3.75% - 9.50%. 85% Financed; JD Power Book Price; Vehicles 5 years & older

Rate History
No change since Oct 12, 2026 · 3.75% APR
3.25%3.75%4.25%Oct 12, 2026: 3.75% APROct 12, 2026Oct 13, 2026
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Used Vehicles - Up To 2 Years Old - 100% Financed Loan
3.75%
24 months
View
▼
APR3.75%
Term24 months
Last UpdatedOct 12, 2026
Details

Published APR range: 3.75% - 9.50%. 100% Financed

Rate History
No change since Sep 16, 2026 · 3.75% APR · checked 5 times
3.25%3.75%4.25%Sep 16, 2026: 3.75% APRSep 16, 2026Oct 13, 2026

Lancaster, PA Auto Loan Rate Trends

Compare local Lancaster, PA auto loan rates against the statewide average

Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.

View Full Pennsylvania Auto Trends
New Auto Loan PA Avg
5.320%
▲ 0.035 vs 7 days ago

Pennsylvania new auto rates rose 0.035 points over the past 7 days to 5.320% APR.

Used Auto Loan PA Avg
6.182%
▲ 0.058 vs 7 days ago

Pennsylvania used auto rates rose 0.058 points over the past 7 days to 6.182% APR.

As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions

Lancaster, PA Auto Loan Rate Forecast, Next 12 Months

Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Pennsylvania figures.

Current New Auto Avg
5.32%
APR, as of Oct 13, 2026
6-Month Forecast
5.40%
Fed hold assumed
12-Month Forecast
5.47%
Range: 5.12% to 5.67%
Forecast Methodology & Assumptions

Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.

Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.

Powered byMonitorBankRates

What Would Your Monthly Car Payment Be?

Estimated monthly payments on a standard 60-month auto loan at today’s average Pennsylvania APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.

Loan Amount New Auto @ 5.32% APR
PA average		 Used Auto @ 6.18% APR
PA average		 Monthly Difference
$15,000 $285.27/mo $291.26/mo $5.99/mo
$25,000 $475.46/mo $485.44/mo $9.98/mo
$35,000 $665.64/mo $679.61/mo $13.97/mo
$45,000 $855.82/mo $873.79/mo $17.96/mo

Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.

Powered byMonitorBankRates

How to Get the Best Auto Loan Rate in Lancaster, Pennsylvania

1

Get Preapproved Before You Shop

A preapproval from a bank or credit union serving Lancaster, Pennsylvania locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.

2

Check Credit Unions First

Credit unions consistently offer some of the lowest auto loan APRs in Pennsylvania. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.

3

Choose the Shortest Term You Can Afford

Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.

4

Mind the New vs. Used Rate Spread

Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.

Building a down payment, or is an auto loan not the right fit?

Lancaster, Pennsylvania Financial Snapshot

Local demographics and economic context for car buyers. Source: U.S. Census Bureau

$33,334
Median Individual Earnings
National avg: $47,340
8.1%
Unemployment Rate
National avg: 4.8%
20.3%
Poverty Rate
National avg: 11.1%
$571/mo
Payment on a $30K / 60-mo Loan
At PA new-auto avg 5.32% APR

A $571 monthly car payment works out to roughly 20.5% of the median individual income in Lancaster, Pennsylvania. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.

Auto Financing Options Compared

An auto loan isn’t the only way to finance a vehicle in Lancaster, Pennsylvania, but for most borrowers it’s the cheapest. Here’s how the main options stack up.

Feature Credit Union Auto Loan Bank Auto Loan Dealer Financing Personal Loan
Typical APR Level ✓ Often lowest ✓ Competitive ● Varies, can be marked up ✗ Highest (unsecured)
Rate Locked Before You Shop ✓ Yes, via preapproval ✓ Yes, via preapproval ✗ Arranged at the dealership ✓ Yes
Membership / Relationship Required ● Membership (usually easy) ✗ No ✗ No ✗ No
Works for Private-Party Sales ✓ Usually ● Sometimes ✗ No ✓ Yes
Convenience at Purchase ● Preapproval step first ● Preapproval step first ✓ One-stop at the dealer ● Funds in 1 to 3 days
Best For Lowest total cost of borrowing Existing bank customers & rate discounts Manufacturer 0% promos on new cars Older vehicles lenders won’t finance

General comparison for educational purposes. Manufacturer promotional financing (0 to 2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.

Auto Loan Payment Calculator

Estimate your monthly payment on a new or used vehicle in Lancaster, Pennsylvania. We’ve prefilled the APR with today’s PA new-auto average, or click any current rate on the right to apply it instantly.

$
$
%
Current Rates: Click to Apply
$0
Estimated Monthly Payment
Loan Amount$0
Total Interest Paid$0
Total of All Payments$0
Total Cost incl. Down Payment$0

Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Lancaster, Pennsylvania auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Lancaster, 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 Lancaster, 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.

Bad Credit Auto Loans in Lancaster, Pennsylvania

You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.

Avg. new car loan we track: 5.97% APR Avg. used car loan we track: 6.70% APR
Credit TierScore RangeNew Car APRUsed Car APR$25,000 Used, 60 Mo.
Super prime781 to 8504.41%6.29%$487/mo
Prime661 to 7806.15%8.81%$517/mo
Near prime601 to 6609.71%13.93%$581/mo
Subprime501 to 60013.52%19.10%$650/mo
Deep subprime300 to 50016.11%21.62%$685/mo

Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.

Get Preapproved Before the Dealer

A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.

Start With a Credit Union

Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.

Put More Money Down

A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.

Keep the Term Short

A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.

Add a Cosigner

A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.

Be Careful With Buy Here Pay Here

These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.

See Bad Credit Car Loans
Powered byMonitorBankRates

Frequently Asked Questions about Auto Loans in Lancaster, 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 Lancaster, 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 Lancaster, 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.

Should I get preapproved for an auto loan before visiting a dealer in Lancaster, Pennsylvania?

Yes. A preapproval from a bank or credit union serving Lancaster, Pennsylvania gives you a real rate to compare against dealer financing and turns you into a cash buyer at the negotiating table. Dealers often mark up the rates they arrange, so walking in with a preapproved offer routinely saves buyers money on the financing side of the deal.

Why are used car loan rates higher than new car rates?

Lenders charge more for used vehicles because they are harder to value, depreciate unpredictably, and carry more repossession risk. The spread between new and used rates is typically 0.5 to 1.5 percentage points. A late-model certified pre-owned vehicle sometimes qualifies for new-car rates, so ask the lender how they classify the vehicle before assuming the used rate applies.

Can I refinance my auto loan if rates drop or my credit improves?

Yes. Auto loan refinancing is usually fast and often fee-free. If your credit score has improved since you bought the vehicle, or you financed at a marked-up dealer rate, refinancing with a bank or credit union serving Lancaster, Pennsylvania can lower your monthly payment or shorten your term. It makes the most sense early in the loan, while most of your payments are still going to interest.

Can I get an auto loan with bad credit in Lancaster, Pennsylvania?

Yes. Banks, credit unions, and dealer lenders all finance borrowers with subprime credit, but at higher rates. Getting preapproved by a credit union before you visit a dealer, putting more money down, and choosing a shorter term all improve your chances of approval and lower the total cost.

What is the average car loan rate for bad credit?

According to Experian, in the second quarter of 2026 subprime borrowers (scores 501 to 600) paid an average of 13.52% APR on new cars and 19.10% on used cars. Deep subprime borrowers (300 to 500) averaged 16.11% on new and 21.62% on used. Prime borrowers averaged 6.15% and 8.81%.

What are the best Auto Loan rates in Lancaster, Pennsylvania?

Based on our current data, some of the lowest auto loan rates available in Lancaster, Pennsylvania include:
  • Lancaster Red Rose Credit Union: 4.50% (New & Used Auto Loans (2020 and Newer))
  • Penlanco Federal Credit Union: 4.65% (New Vehicles Loan)
  • Members 1st Federal Credit Union Enola, PA: 5.64% (Auto Loan)
  • Pennsylvania State Employees Credit Union: 5.69% (New & Used Auto Loans)
  • Peoples Security Bank: 6.04% (New Car Loans - Model Year 2026-2025)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Lancaster, Pennsylvania. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: October 13, 2026

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