Auto Loan Rates in Philadelphia, Pennsylvania (PA) for March 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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- Location-Based Rate Tables
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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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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 Philadelphia, Pennsylvania. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Philadelphia, Pennsylvania include ADVANTAGE FINANCIALADVANTAGE FINANCIAL5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144A5.0 ★Texas Ratio: 12.00% offering Auto Loans at 4.49%, FedChoice Federal Credit UnionFedChoice Federal Credit Union2970 Market St, Philadelphia, PA, 19104 5002A5.0 ★Texas Ratio: 8.41% offering New Vehicles at 4.50%, Pennsylvania State Employees Credit UnionPennsylvania State Employees Credit Union12901 Townsend Rd, Philadelphia, PA, 19154 1021A+5.0 ★Texas Ratio: 5.69% offering Auto Loan Refinance at 4.69%, Reliance Federal Credit UnionReliance Federal Credit Union8704A Crispin Dr, Philadelphia, PA, 19136 1304A5.0 ★Texas Ratio: 6.80% offering New Auto Loans 24 Months A+ at 4.70%, Self Reliance NY Federal Credit UnionSelf Reliance NY Federal Credit Union2307 Brown St, Philadelphia, PA, 19130A+5.0 ★Texas Ratio: 2.12% offering Auto Loan at 4.89%. Auto loan rates as of March 26, 2026 according to verified data from MonitorBankRates.
Auto loan rates in Philadelphia, Pennsylvania are continually updated to reflect market conditions. We recommend comparing rates from multiple lenders before visiting the dealership.
We empower borrowers with transparent financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently choose a stable, highly-rated institution.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Philadelphia, Pennsylvania. Auto Loan Rates Last Updated and Verified: March 26, 2026
Compare Auto Loan Rates Today in Philadelphia, Pennsylvania & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
Auto Loans
4.49%
up to 36 months
▼
APR4.49%
Termup to 36 months
Last UpdatedMar 24, 2026
Details
As Low As; w/ Auto Pay Discount: as low as 4.39%
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
Same rate on NEW or USED vehicles
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 24, 2026
Details
As Low As
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.41%
2970 Market St, Philadelphia, PA, 19104 5002
New Vehicles
4.50%
up to 60 mos.
▼
APR4.50%
Termup to 60 mos.
Last UpdatedMar 26, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
Auto Loan Refinance
4.69%
1 - 63
▼
APR4.69%
Term1 - 63
Last UpdatedMar 21, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
Auto Refinance
4.69%
1 - 63
▼
APR4.69%
Term1 - 63
Last UpdatedMar 21, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 24 Months A+
4.70%
24 Months
▼
APR4.70%
Term24 Months
Last UpdatedMar 24, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 24 Months A
4.75%
24 Months
▼
APR4.75%
Term24 Months
Last UpdatedMar 24, 2026
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.41%
2970 Market St, Philadelphia, PA, 19104 5002
New Vehicles
4.75%
61 to 72 mos.
▼
APR4.75%
Term61 to 72 mos.
Last UpdatedMar 26, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 36 Months A+
4.80%
36 Months
▼
APR4.80%
Term36 Months
Last UpdatedMar 24, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 36 Months A
4.85%
36 Months
▼
APR4.85%
Term36 Months
Last UpdatedMar 24, 2026
Details
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
2307 Brown St, Philadelphia, PA, 19130
Auto Loan
4.89%
48 Months
▼
APR4.89%
Term48 Months
Last UpdatedMar 21, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
Auto Loan Refinance
4.89%
64 - 75
▼
APR4.89%
Term64 - 75
Last UpdatedMar 21, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
Auto Refinance
4.89%
64 - 75
▼
APR4.89%
Term64 - 75
Last UpdatedMar 21, 2026
Details
As Low As
Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
14425 Bustleton Ave, Philadelphia, PA, 19116
Used Auto Loan
4.89%
Up to 48 Months
▼
APR4.89%
TermUp to 48 Months
Last UpdatedMar 22, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 24 Months B
4.90%
24 Months
▼
APR4.90%
Term24 Months
Last UpdatedMar 24, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 48 Months A+
4.90%
48 Months
▼
APR4.90%
Term48 Months
Last UpdatedMar 24, 2026
Details
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
Auto Loan Refinance
4.94%
1 - 63
▼
APR4.94%
Term1 - 63
Last UpdatedMar 21, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
Auto Refinance
4.94%
1 - 63
▼
APR4.94%
Term1 - 63
Last UpdatedMar 21, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 48 Months A
4.95%
48 Months
▼
APR4.95%
Term48 Months
Last UpdatedMar 24, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 63 Months A+
4.95%
63 Months
▼
APR4.95%
Term63 Months
Last UpdatedMar 24, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
4.95%
24 Months
▼
APR4.95%
Term24 Months
Last UpdatedMar 24, 2026
Details
Credit Rating A+
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
2307 Brown St, Philadelphia, PA, 19130
Auto Loan
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedMar 21, 2026
Details
As Low As
Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
14425 Bustleton Ave, Philadelphia, PA, 19116
Used Auto Loan
4.99%
49 to 66 Months
▼
APR4.99%
Term49 to 66 Months
Last UpdatedMar 22, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
Auto Loans
4.99%
37 - 48 months
▼
APR4.99%
Term37 - 48 months
Last UpdatedMar 24, 2026
Details
As Low As; w/ Auto Pay Discount: as low as 4.89%
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
Same rate on NEW or USED vehicles
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 24, 2026
Details
As Low As
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
2060 Red Lion Rd, Philadelphia, PA, 19115 1603
Auto Loan
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedMar 25, 2026
Details
As Low As
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
1801 Market St, Philadelphia, PA, 19103 1628
New Auto
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedMar 25, 2026
Details
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
1801 Market St, Philadelphia, PA, 19103 1628
Used Auto (2015 or newer)
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedMar 25, 2026
Details
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
1801 Market St, Philadelphia, PA, 19103 1628
Used Auto (2017 or newer)
4.99%
66 months
▼
APR4.99%
Term66 months
Last UpdatedMar 25, 2026
Details
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
3200 Chestnut St, Philadelphia, PA, 19104 3395
Auto Loans - 2023-2026 MODEL YEAR
4.99%
2026 Mo
▼
APR4.99%
Term2026 Mo
Last UpdatedMar 26, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 36 Months B
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMar 24, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 63 Months A
5.00%
63 Months
▼
APR5.00%
Term63 Months
Last UpdatedMar 24, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
5.05%
24 Months
▼
APR5.05%
Term24 Months
Last UpdatedMar 24, 2026
Details
Credit Rating A
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
300 Spring Garden St, Philadelphia, PA, 19123
New Auto Loan
5.10%
66 Months
▼
APR5.10%
Term66 Months
Last UpdatedMar 25, 2026
Details
As Low As; Up to $25,000
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
300 Spring Garden St, Philadelphia, PA, 19123
Used Same as New Auto Loan
5.10%
66 Months
▼
APR5.10%
Term66 Months
Last UpdatedMar 25, 2026
Details
As Low As; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
Auto Loan Refinance
5.14%
64 - 75
▼
APR5.14%
Term64 - 75
Last UpdatedMar 21, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
Auto Refinance
5.14%
64 - 75
▼
APR5.14%
Term64 - 75
Last UpdatedMar 21, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 48 Months B
5.15%
48 Months
▼
APR5.15%
Term48 Months
Last UpdatedMar 24, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
5.15%
36 Months
▼
APR5.15%
Term36 Months
Last UpdatedMar 24, 2026
Details
Credit Rating A
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
2307 Brown St, Philadelphia, PA, 19130
Auto Loan
5.19%
75 Months
▼
APR5.19%
Term75 Months
Last UpdatedMar 21, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
5.19%
1 - 63
▼
APR5.19%
Term1 - 63
Last UpdatedMar 21, 2026
Details
As Low As
Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
14425 Bustleton Ave, Philadelphia, PA, 19116
Used Auto Loan
5.19%
67 to 75 Months
▼
APR5.19%
Term67 to 75 Months
Last UpdatedMar 22, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 75 Months A+
5.20%
75 Months
▼
APR5.20%
Term75 Months
Last UpdatedMar 24, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
5.20%
24 Months
▼
APR5.20%
Term24 Months
Last UpdatedMar 24, 2026
Details
Credit Rating B
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
2060 Red Lion Rd, Philadelphia, PA, 19115 1603
Auto Loan
5.24%
64 to 75 Months
▼
APR5.24%
Term64 to 75 Months
Last UpdatedMar 25, 2026
Details
As Low As
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
1801 Market St, Philadelphia, PA, 19103 1628
New Auto
5.24%
75 months
▼
APR5.24%
Term75 months
Last UpdatedMar 25, 2026
Details
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
1801 Market St, Philadelphia, PA, 19103 1628
Used Auto (2018 or newer)
5.24%
75 months
▼
APR5.24%
Term75 months
Last UpdatedMar 25, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedMar 24, 2026
Details
Credit Rating A
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
Auto Loan Refinance
5.29%
76 - 84
▼
APR5.29%
Term76 - 84
Last UpdatedMar 21, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
Auto Refinance
5.29%
76 - 84
▼
APR5.29%
Term76 - 84
Last UpdatedMar 21, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 63 Months B
5.30%
63 Months
▼
APR5.30%
Term63 Months
Last UpdatedMar 24, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 75 Months A
5.30%
75 Months
▼
APR5.30%
Term75 Months
Last UpdatedMar 24, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
5.30%
36 Months
▼
APR5.30%
Term36 Months
Last UpdatedMar 24, 2026
Details
Credit Rating B
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
2060 Red Lion Rd, Philadelphia, PA, 19115 1603
Auto Loan
5.34%
Up to 63 Months
▼
APR5.34%
TermUp to 63 Months
Last UpdatedMar 25, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
5.39%
64 - 75
▼
APR5.39%
Term64 - 75
Last UpdatedMar 21, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
Auto Loan Refinance
5.44%
1 - 63
▼
APR5.44%
Term1 - 63
Last UpdatedMar 21, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
Auto Refinance
5.44%
1 - 63
▼
APR5.44%
Term1 - 63
Last UpdatedMar 21, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
5.44%
1 - 63
▼
APR5.44%
Term1 - 63
Last UpdatedMar 21, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
5.45%
48 Months
▼
APR5.45%
Term48 Months
Last UpdatedMar 24, 2026
Details
Credit Rating B
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
Auto Loans
5.49%
49 - 60 months
▼
APR5.49%
Term49 - 60 months
Last UpdatedMar 24, 2026
Details
As Low As; w/ Auto Pay Discount: as low as 5.39%
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
Same rate on NEW or USED vehicles
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMar 24, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
5.50%
75 Months
▼
APR5.50%
Term75 Months
Last UpdatedMar 24, 2026
Details
Credit Rating A+
NORTHWOOD
Institution Rating:
A5.0 ★ Texas Ratio: 6.85%
6836 Castor Ave, Philadelphia, PA, 19149 2108
New Auto Loan
5.50%
3 yr
▼
APR5.50%
Term3 yr
Last UpdatedMar 24, 2026
Details
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
300 Spring Garden St, Philadelphia, PA, 19123
Used Auto Loan
5.50%
66 Months
▼
APR5.50%
Term66 Months
Last UpdatedMar 25, 2026
Details
As Low As; Up to 80% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
2307 Brown St, Philadelphia, PA, 19130
Auto Loan
5.54%
48 Months
▼
APR5.54%
Term48 Months
Last UpdatedMar 21, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
Auto Loan Refinance
5.54%
76 - 84
▼
APR5.54%
Term76 - 84
Last UpdatedMar 21, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
Auto Refinance
5.54%
76 - 84
▼
APR5.54%
Term76 - 84
Last UpdatedMar 21, 2026
Details
As Low As
Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
14425 Bustleton Ave, Philadelphia, PA, 19116
Used Auto Loan
5.54%
Up to 48 Months
▼
APR5.54%
TermUp to 48 Months
Last UpdatedMar 22, 2026
Details
As Low As
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
2307 Brown St, Philadelphia, PA, 19130
Auto Loan
5.59%
84 Months
▼
APR5.59%
Term84 Months
Last UpdatedMar 21, 2026
Details
As Low As
Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
14425 Bustleton Ave, Philadelphia, PA, 19116
Used Auto Loan
5.59%
76 to 84 Months
▼
APR5.59%
Term76 to 84 Months
Last UpdatedMar 22, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
5.60%
63 Months
▼
APR5.60%
Term63 Months
Last UpdatedMar 24, 2026
Details
Credit Rating B
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
Auto Loan Refinance
5.64%
64 - 75
▼
APR5.64%
Term64 - 75
Last UpdatedMar 21, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
Auto Refinance
5.64%
64 - 75
▼
APR5.64%
Term64 - 75
Last UpdatedMar 21, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
5.64%
64 - 75
▼
APR5.64%
Term64 - 75
Last UpdatedMar 21, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 24 Months C
5.70%
24 Months
▼
APR5.70%
Term24 Months
Last UpdatedMar 24, 2026
Details
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
2307 Brown St, Philadelphia, PA, 19130
Auto Loan
5.74%
66 Months
▼
APR5.74%
Term66 Months
Last UpdatedMar 21, 2026
Details
As Low As
Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
14425 Bustleton Ave, Philadelphia, PA, 19116
Used Auto Loan
5.74%
49 to 66 Months
▼
APR5.74%
Term49 to 66 Months
Last UpdatedMar 22, 2026
Details
As Low As
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
1801 Market St, Philadelphia, PA, 19103 1628
First-Time Buyer Auto Loan
5.74%
75 months
▼
APR5.74%
Term75 months
Last UpdatedMar 25, 2026
Details
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
3200 Chestnut St, Philadelphia, PA, 19104 3395
Auto Loans - 2023-2026 MODEL YEAR
5.74%
2026 Mo
▼
APR5.74%
Term2026 Mo
Last UpdatedMar 26, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 84 Months A+
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedMar 24, 2026
Details
Eagle One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.26%
7500 Lindbergh Blvd, Philadelphia, PA, 19176
New/Used Auto
5.75%
36 Months
▼
APR5.75%
Term36 Months
Last UpdatedMar 25, 2026
Details
As Low As
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.41%
2970 Market St, Philadelphia, PA, 19104 5002
New Vehicles
5.75%
73 to 84 mos.
▼
APR5.75%
Term73 to 84 mos.
Last UpdatedMar 26, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
5.79%
76 - 84
▼
APR5.79%
Term76 - 84
Last UpdatedMar 21, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 75 Months B
5.80%
75 Months
▼
APR5.80%
Term75 Months
Last UpdatedMar 24, 2026
Details
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
300 Spring Garden St, Philadelphia, PA, 19123
New Auto Loan
5.80%
78 Months
▼
APR5.80%
Term78 Months
Last UpdatedMar 25, 2026
Details
As Low As; $15,000 to $35,000
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
300 Spring Garden St, Philadelphia, PA, 19123
Used Same as New Auto Loan
5.80%
78 Months
▼
APR5.80%
Term78 Months
Last UpdatedMar 25, 2026
Details
As Low As; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 84 Months A
5.85%
84 Months
▼
APR5.85%
Term84 Months
Last UpdatedMar 24, 2026
Details
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
5.94%
1 - 63
▼
APR5.94%
Term1 - 63
Last UpdatedMar 21, 2026
Details
As Low As
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
2060 Red Lion Rd, Philadelphia, PA, 19115 1603
Auto Loan
5.94%
64 to 75 Months
▼
APR5.94%
Term64 to 75 Months
Last UpdatedMar 25, 2026
Details
As Low As
NORTHWOOD
Institution Rating:
A5.0 ★ Texas Ratio: 6.85%
6836 Castor Ave, Philadelphia, PA, 19149 2108
New Auto Loan
5.99%
4 yr
▼
APR5.99%
Term4 yr
Last UpdatedMar 24, 2026
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
2060 Red Lion Rd, Philadelphia, PA, 19115 1603
Auto Loan
5.99%
76 - 84 Months
▼
APR5.99%
Term76 - 84 Months
Last UpdatedMar 25, 2026
Details
As Low As
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
1801 Market St, Philadelphia, PA, 19103 1628
New Auto
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedMar 25, 2026
Details
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
1801 Market St, Philadelphia, PA, 19103 1628
Used Auto (2021 or newer)
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedMar 25, 2026
Details
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
3200 Chestnut St, Philadelphia, PA, 19104 3395
2023 - 2026 Auto Loan
5.99%
1-72
▼
APR5.99%
Term1-72
Last UpdatedMar 26, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
6.00%
24 Months
▼
APR6.00%
Term24 Months
Last UpdatedMar 24, 2026
Details
Credit Rating C
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
Auto Loan Refinance
6.04%
76 - 84
▼
APR6.04%
Term76 - 84
Last UpdatedMar 21, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
Auto Refinance
6.04%
76 - 84
▼
APR6.04%
Term76 - 84
Last UpdatedMar 21, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
6.04%
76 - 84
▼
APR6.04%
Term76 - 84
Last UpdatedMar 21, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 36 Months C
6.05%
36 Months
▼
APR6.05%
Term36 Months
Last UpdatedMar 24, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
6.10%
75 Months
▼
APR6.10%
Term75 Months
Last UpdatedMar 24, 2026
Details
Credit Rating B
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
2307 Brown St, Philadelphia, PA, 19130
Auto Loan
6.14%
75 Months
▼
APR6.14%
Term75 Months
Last UpdatedMar 21, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
6.14%
64 - 75
▼
APR6.14%
Term64 - 75
Last UpdatedMar 21, 2026
Details
As Low As
Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
14425 Bustleton Ave, Philadelphia, PA, 19116
Used Auto Loan
6.14%
67 to 75 Months
▼
APR6.14%
Term67 to 75 Months
Last UpdatedMar 22, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
6.15%
84 Months
▼
APR6.15%
Term84 Months
Last UpdatedMar 24, 2026
Details
Credit Rating A
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
3200 Chestnut St, Philadelphia, PA, 19104 3395
Auto Loans - 2021-2022 MODEL YEAR
6.24%
2022 Mo
▼
APR6.24%
Term2022 Mo
Last UpdatedMar 26, 2026
Details
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
Auto Loan Refinance
6.29%
85 - 96
▼
APR6.29%
Term85 - 96
Last UpdatedMar 21, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
Auto Refinance
6.29%
85 - 96
▼
APR6.29%
Term85 - 96
Last UpdatedMar 21, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 84 Months B
6.35%
84 Months
▼
APR6.35%
Term84 Months
Last UpdatedMar 24, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
6.35%
36 Months
▼
APR6.35%
Term36 Months
Last UpdatedMar 24, 2026
Details
Credit Rating C
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
300 Spring Garden St, Philadelphia, PA, 19123
Used Auto Loan
6.40%
78 Months
▼
APR6.40%
Term78 Months
Last UpdatedMar 25, 2026
Details
As Low As; Up to 80% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
Auto Loans
6.49%
61 - 72 months
▼
APR6.49%
Term61 - 72 months
Last UpdatedMar 24, 2026
Details
As Low As; w/ Auto Pay Discount: as low as 6.39%
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
Same rate on NEW or USED vehicles
6.49%
72 Months
▼
APR6.49%
Term72 Months
Last UpdatedMar 24, 2026
Details
As Low As
NORTHWOOD
Institution Rating:
A5.0 ★ Texas Ratio: 6.85%
6836 Castor Ave, Philadelphia, PA, 19149 2108
New Auto Loan
6.49%
5 yr
▼
APR6.49%
Term5 yr
Last UpdatedMar 24, 2026
Details
Eagle One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.26%
7500 Lindbergh Blvd, Philadelphia, PA, 19176
New/Used Auto
6.50%
60 Months
▼
APR6.50%
Term60 Months
Last UpdatedMar 25, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
Auto Loan Refinance
6.54%
85 - 96
▼
APR6.54%
Term85 - 96
Last UpdatedMar 21, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
Auto Refinance
6.54%
85 - 96
▼
APR6.54%
Term85 - 96
Last UpdatedMar 21, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
6.54%
76 - 84
▼
APR6.54%
Term76 - 84
Last UpdatedMar 21, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
6.65%
84 Months
▼
APR6.65%
Term84 Months
Last UpdatedMar 24, 2026
Details
Credit Rating B
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
3200 Chestnut St, Philadelphia, PA, 19104 3395
2023 - 2026 Auto Loan
6.74%
73-84
▼
APR6.74%
Term73-84
Last UpdatedMar 26, 2026
Details
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
6.79%
85 - 96
▼
APR6.79%
Term85 - 96
Last UpdatedMar 21, 2026
Details
As Low As
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
2307 Brown St, Philadelphia, PA, 19130
Auto Loan
6.99%
1 to 5 years
▼
APR6.99%
Term1 to 5 years
Last UpdatedMar 21, 2026
Details
As Low As
NORTHWOOD
Institution Rating:
A5.0 ★ Texas Ratio: 6.85%
6836 Castor Ave, Philadelphia, PA, 19149 2108
New Auto Loan
6.99%
6 yr
▼
APR6.99%
Term6 yr
Last UpdatedMar 24, 2026
Details
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
Auto Loan Refinance
7.04%
85 - 96
▼
APR7.04%
Term85 - 96
Last UpdatedMar 21, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
Auto Refinance
7.04%
85 - 96
▼
APR7.04%
Term85 - 96
Last UpdatedMar 21, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
7.04%
85 - 96
▼
APR7.04%
Term85 - 96
Last UpdatedMar 21, 2026
Details
As Low As
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
300 Spring Garden St, Philadelphia, PA, 19123
New Auto Loan
7.05%
84 Months
▼
APR7.05%
Term84 Months
Last UpdatedMar 25, 2026
Details
As Low As; $35,000+
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
300 Spring Garden St, Philadelphia, PA, 19123
Used Same as New Auto Loan
7.05%
84 Months
▼
APR7.05%
Term84 Months
Last UpdatedMar 25, 2026
Details
As Low As; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
2307 Brown St, Philadelphia, PA, 19130
Auto Loan
7.14%
48 Months
▼
APR7.14%
Term48 Months
Last UpdatedMar 21, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 48 Months C
7.15%
48 Months
▼
APR7.15%
Term48 Months
Last UpdatedMar 24, 2026
Details
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
300 Spring Garden St, Philadelphia, PA, 19123
Used Auto Loan
7.40%
84 Months
▼
APR7.40%
Term84 Months
Last UpdatedMar 25, 2026
Details
As Low As; Up to 80% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
7.45%
48 Months
▼
APR7.45%
Term48 Months
Last UpdatedMar 24, 2026
Details
Credit Rating C
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
Auto Loans
7.49%
73 - 84 months
▼
APR7.49%
Term73 - 84 months
Last UpdatedMar 24, 2026
Details
As Low As; w/ Auto Pay Discount: as low as 7.39%
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
Same rate on NEW or USED vehicles
7.49%
84 Months
▼
APR7.49%
Term84 Months
Last UpdatedMar 24, 2026
Details
As Low As
NORTHWOOD
Institution Rating:
A5.0 ★ Texas Ratio: 6.85%
6836 Castor Ave, Philadelphia, PA, 19149 2108
New Auto Loan
7.49%
7 yr
▼
APR7.49%
Term7 yr
Last UpdatedMar 24, 2026
Details
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
7.54%
85 - 96
▼
APR7.54%
Term85 - 96
Last UpdatedMar 21, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 63 Months C
7.55%
63 Months
▼
APR7.55%
Term63 Months
Last UpdatedMar 24, 2026
Details
Eagle One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.26%
7500 Lindbergh Blvd, Philadelphia, PA, 19176
New/Used Auto
7.75%
72 Months
▼
APR7.75%
Term72 Months
Last UpdatedMar 25, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
7.85%
63 Months
▼
APR7.85%
Term63 Months
Last UpdatedMar 24, 2026
Details
Credit Rating C
NORTHWOOD
Institution Rating:
A5.0 ★ Texas Ratio: 6.85%
6836 Castor Ave, Philadelphia, PA, 19149 2108
Used Auto Loan
7.99%
4 Years
▼
APR7.99%
Term4 Years
Last UpdatedMar 24, 2026
Details
Eagle One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.26%
7500 Lindbergh Blvd, Philadelphia, PA, 19176
New/Used Auto
8.00%
84 Months
▼
APR8.00%
Term84 Months
Last UpdatedMar 25, 2026
Details
As Low As
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.41%
2970 Market St, Philadelphia, PA, 19104 5002
Leisure Vehicle Loan
8.00%
up to 84 mos.
▼
APR8.00%
Termup to 84 mos.
Last UpdatedMar 26, 2026
Details
As Low As; Includes Personal Watercraft and Snowmobiles.
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
2307 Brown St, Philadelphia, PA, 19130
Auto Loan
8.29%
63 Months
▼
APR8.29%
Term63 Months
Last UpdatedMar 21, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 75 Months C
8.70%
75 Months
▼
APR8.70%
Term75 Months
Last UpdatedMar 24, 2026
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
2060 Red Lion Rd, Philadelphia, PA, 19115 1603
Auto Loan
8.94%
Up to 63 Months
▼
APR8.94%
TermUp to 63 Months
Last UpdatedMar 25, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
9.00%
75 Months
▼
APR9.00%
Term75 Months
Last UpdatedMar 24, 2026
Details
Credit Rating C
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.41%
2970 Market St, Philadelphia, PA, 19104 5002
Leisure Vehicle Loan
9.25%
85 to 120 mos.
▼
APR9.25%
Term85 to 120 mos.
Last UpdatedMar 26, 2026
Details
As Low As; Includes Personal Watercraft and Snowmobiles.
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
2060 Red Lion Rd, Philadelphia, PA, 19115 1603
Auto Loan
9.44%
64 to 75 Months
▼
APR9.44%
Term64 to 75 Months
Last UpdatedMar 25, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 84 Months C
9.50%
84 Months
▼
APR9.50%
Term84 Months
Last UpdatedMar 24, 2026
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.41%
2970 Market St, Philadelphia, PA, 19104 5002
Leisure Vehicle Loan
9.75%
121 to 144 mos.
▼
APR9.75%
Term121 to 144 mos.
Last UpdatedMar 26, 2026
Details
As Low As; Includes Personal Watercraft and Snowmobiles.
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
9.80%
84 Months
▼
APR9.80%
Term84 Months
Last UpdatedMar 24, 2026
Details
Credit Rating C
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
2209 W State St, New Castle, PA, 16101 1138
New Autos Never Titled
3.24%
Up to 40
▼
APR3.24%
TermUp to 40
Last UpdatedMar 23, 2026
Details
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
2209 W State St, New Castle, PA, 16101 1138
New Autos | Never Titled
3.24%
Up to 40
▼
APR3.24%
TermUp to 40
Last UpdatedMar 23, 2026
Details
VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
247 WILKES BARRE TOWNSHIP BLVD, WILKES BARRE, PA, 18702 6705
New Vehicle
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedMar 22, 2026
Details
Zero Down Payment
VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
247 WILKES BARRE TOWNSHIP BLVD, WILKES BARRE, PA, 18702 6705
Used Vehicle
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedMar 22, 2026
Details
2016-2019
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
2209 W State St, New Castle, PA, 16101 1138
Used Autos 2026 - 2024
3.49%
Up to 40
▼
APR3.49%
TermUp to 40
Last UpdatedMar 23, 2026
Details
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
334 N 9th St, Stroudsburg, PA, 18360 1804
New Auto Loan
3.50%
5 years
▼
APR3.50%
Term5 years
Last UpdatedMar 21, 2026
Details
As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
Fayette Federal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.05%
364 Morgantown St, Uniontown, PA, 15401
New Vehicle Loans 36 months
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMar 26, 2026
Details
UFCW COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
377 Wyoming Ave, Wyoming, PA, 18644
Auto Loan
3.70%
60 Months
▼
APR3.70%
Term60 Months
Last UpdatedMar 24, 2026
Details
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
2209 W State St, New Castle, PA, 16101 1138
New Autos Never Titled
3.74%
41-52
▼
APR3.74%
Term41-52
Last UpdatedMar 23, 2026
Details
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
2209 W State St, New Castle, PA, 16101 1138
New Autos | Never Titled
3.74%
41-52
▼
APR3.74%
Term41-52
Last UpdatedMar 23, 2026
Details
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
5 Hot Metal St Ste 201, Pittsburgh, PA, 15203 2351
New / Used Vehicles
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMar 24, 2026
Details
As Low As
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
5 Hot Metal St Ste 201, Pittsburgh, PA, 15203 2351
New Vehicles
3.75%
84 Months
▼
APR3.75%
Term84 Months
Last UpdatedMar 24, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
4703 Hamilton Blvd, Allentown, PA, 18103
Fixed Rate New & Used Auto Loans
3.95%
Up to 36 Months
▼
APR3.95%
TermUp to 36 Months
Last UpdatedMar 24, 2026
Details
As Low As; Vehicle Model Years: All Years**
Stanwood Area Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.48%
444 Arona Rd, New Stanton, PA, 15672
New Auto
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 15, 2026
Details
UFCW Local 1776 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
3031A Walton Rd Ste 310, Plymouth Meeting, PA, 19462 2369
New Vehicles
3.99%
5 Months
▼
APR3.99%
Term5 Months
Last UpdatedMar 16, 2026
Details
As Low As; * For Qualified Buyer
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
1640 High St, Williamsport, PA, 17701
Fixed Rate Auto Loan 2018- 2027 Model Year
3.99%
Up to 60 Months
▼
APR3.99%
TermUp to 60 Months
Last UpdatedMar 22, 2026
Details
HERITAGE VALLEY
Institution Rating:
A-4.9 ★ Texas Ratio: 15.90%
2400 Pleasant Valley Rd, York, PA, 17402 9624
2024 Auto Loan
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMar 24, 2026
Details
As Low As
HERITAGE VALLEY
Institution Rating:
A-4.9 ★ Texas Ratio: 15.90%
2400 Pleasant Valley Rd, York, PA, 17402 9624
2025 - 2026 Auto Loan
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMar 24, 2026
Details
As Low As
APCI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
6126 Hamilton Blvd Ste 102, Allentown, PA, 18106
New Auto
3.99%
3 years
▼
APR3.99%
Term3 years
Last UpdatedMar 25, 2026
Details
APCI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
6126 Hamilton Blvd Ste 102, Allentown, PA, 18106
Used Auto
3.99%
3 years (2018-2026)
▼
APR3.99%
Term3 years (2018-2026)
Last UpdatedMar 25, 2026
Details
Citymark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
40 E Market St, Wilkes Barre, PA, 18711
New Car
3.99%
96 Months
▼
APR3.99%
Term96 Months
Last UpdatedMar 25, 2026
Details
As Low As; (based on credit score)
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
1601 Kenneth Rd, York, PA, 17408 2228
Auto Loans
3.99%
84 Months
▼
APR3.99%
Term84 Months
Last UpdatedMar 26, 2026
Details
As Low As; PROMO: SWAP YOUR LOAN, DROP YOUR RATE BY UP TO 2%!
First Commonwealth Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.91%
450 Union Blvd, Allentown, PA, 18109 3228
New Auto Loan Refinance Rate Special
3.99%
3 - 36
▼
APR3.99%
Term3 - 36
Last UpdatedMar 26, 2026
Details
As Low As; Model Years 2025 - 2027
First Commonwealth Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.91%
450 Union Blvd, Allentown, PA, 18109 3228
Used Auto Loan Refinance Rate Special
3.99%
3 - 36
▼
APR3.99%
Term3 - 36
Last UpdatedMar 26, 2026
Details
As Low As; Model Years 2022 - 2027
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★
2014 Laubach Ave, Northampton, PA, 18067 1351
New Autos
4.00%
Up to 36 months
▼
APR4.00%
TermUp to 36 months
Last UpdatedMar 15, 2026
Details
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
501 Hamilton St, Allentown, PA, 18101
New Autos
4.00%
Up to 36 months
▼
APR4.00%
TermUp to 36 months
Last UpdatedMar 20, 2026
Details
VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
247 WILKES BARRE TOWNSHIP BLVD, WILKES BARRE, PA, 18702 6705
New Vehicle
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMar 22, 2026
Details
Zero Down Payment
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
5 Hot Metal St Ste 201, Pittsburgh, PA, 15203 2351
New / Used Vehicles
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMar 24, 2026
Details
As Low As
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
566 S Main St, Wilkes Barre, PA, 18701 2102
Used Vehicles - (3-4 Years Old) JD Power Book Price - 90% Financed
4.00%
12 Months
▼
APR4.00%
Term12 Months
Last UpdatedMar 25, 2026
Details
G.A.P. Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
111 Franklin St Rm 224, Johnstown, PA, 15901
New Vehicle (2026, 2025)
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedMar 26, 2026
Details
Fayette Federal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.05%
364 Morgantown St, Uniontown, PA, 15401
New Vehicle Loans 48 months
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedMar 26, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
4703 Hamilton Blvd, Allentown, PA, 18103
Fixed Rate New & Used Auto Loans
4.05%
Up to 48 Months
▼
APR4.05%
TermUp to 48 Months
Last UpdatedMar 24, 2026
Details
As Low As; Vehicle Model Years: All Years**
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
334 N 9th St, Stroudsburg, PA, 18360 1804
New Auto Loan
4.15%
4 years
▼
APR4.15%
Term4 years
Last UpdatedMar 21, 2026
Details
As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
4703 Hamilton Blvd, Allentown, PA, 18103
Fixed Rate New & Used Auto Loans
4.15%
Up to 60 Months
▼
APR4.15%
TermUp to 60 Months
Last UpdatedMar 24, 2026
Details
As Low As; Vehicle Model Years: All Years**
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
409 Center St Ste C, Johnsonburg, PA, 15845 1307
New or Used Vehicles 2025 to 2026
4.15%
3 Months
▼
APR4.15%
Term3 Months
Last UpdatedMar 24, 2026
Details
As Low As; 3 YEAR REPAY
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
4703 Hamilton Blvd, Allentown, PA, 18103
Fixed Rate New & Used Auto Loans
4.20%
Up to 36 Months
▼
APR4.20%
TermUp to 36 Months
Last UpdatedMar 24, 2026
Details
As Low As; Vehicle Model Years: All Years**
HIGH POINT
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
1035 E Main St, Bradford, PA, 16701
Auto Loan
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; 2025 & newer
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
1640 High St, Williamsport, PA, 17701
Fixed Rate Auto Loan 2021 - 2027 Model Year
4.24%
Up to 84 Months
▼
APR4.24%
TermUp to 84 Months
Last UpdatedMar 22, 2026
Details
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
2209 W State St, New Castle, PA, 16101 1138
New Autos Never Titled
4.24%
53-64
▼
APR4.24%
Term53-64
Last UpdatedMar 23, 2026
Details
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
2209 W State St, New Castle, PA, 16101 1138
New Autos | Never Titled
4.24%
53-64
▼
APR4.24%
Term53-64
Last UpdatedMar 23, 2026
Details
Allegheny Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
1253 University Dr Ste 100, Dunbar, PA, 15431 2305
New Vehicle Loan
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedMar 24, 2026
Details
As Low As; Current Year + 2 Years
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
300 State St Ste 303, Erie, PA, 16507
New & Used Car 2027-2024 Model Year
4.24%
24 Months
▼
APR4.24%
Term24 Months
Last UpdatedMar 26, 2026
Details
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★
2014 Laubach Ave, Northampton, PA, 18067 1351
Used Autos 2021 and newer
4.25%
Up to 36 months 80-90% NADA retail
▼
APR4.25%
TermUp to 36 months 80-90% NADA retail
Last UpdatedMar 15, 2026
Details
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
501 Hamilton St, Allentown, PA, 18101
Used Autos 2022 and newer
4.25%
Up to 36 months
▼
APR4.25%
TermUp to 36 months
Last UpdatedMar 20, 2026
Details
80-90% NADA retail
MERHO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
15 Irene St, Johnstown, PA, 15905 4124
New Car 2025 (or) 2024 (Never Titled)
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; Add .5% for 72 months for qualifying vehicles Add 1.00% for 84 months for qualifying vehicles
Washington Area Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
75 Landings Drive, Washington, PA, 15301
Autos - Model Years 2025 & Newer
4.25%
12 to 36 months
▼
APR4.25%
Term12 to 36 months
Last UpdatedMar 22, 2026
Details
As Low As
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
5 Hot Metal St Ste 201, Pittsburgh, PA, 15203 2351
New / Used Vehicles
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedMar 24, 2026
Details
As Low As
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
409 Center St Ste C, Johnsonburg, PA, 15845 1307
New or Used Vehicles 2025 to 2026
4.25%
4 Months
▼
APR4.25%
Term4 Months
Last UpdatedMar 24, 2026
Details
As Low As; 4 YEAR REPAY
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
566 S Main St, Wilkes Barre, PA, 18701 2102
Used Vehicles - (3-4 Years Old) JD Power Book Price - 90% Financed
4.25%
24 Months
▼
APR4.25%
Term24 Months
Last UpdatedMar 25, 2026
Details
Armstrong Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
414 Ford St, Ford City, PA, 16226
NEW Auto Loan
4.29%
60 Months
▼
APR4.29%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; up to 60 Months
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
Same rate on NEW or USED vehicles
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 24, 2026
Details
As Low As
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.41%
2970 Market St, Philadelphia, PA, 19104 5002
New Vehicles
4.50%
up to 60 mos.
▼
APR4.50%
Termup to 60 mos.
Last UpdatedMar 26, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 24 Months A+
4.70%
24 Months
▼
APR4.70%
Term24 Months
Last UpdatedMar 24, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 24 Months A
4.75%
24 Months
▼
APR4.75%
Term24 Months
Last UpdatedMar 24, 2026
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.41%
2970 Market St, Philadelphia, PA, 19104 5002
New Vehicles
4.75%
61 to 72 mos.
▼
APR4.75%
Term61 to 72 mos.
Last UpdatedMar 26, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 36 Months A+
4.80%
36 Months
▼
APR4.80%
Term36 Months
Last UpdatedMar 24, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 36 Months A
4.85%
36 Months
▼
APR4.85%
Term36 Months
Last UpdatedMar 24, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 24 Months B
4.90%
24 Months
▼
APR4.90%
Term24 Months
Last UpdatedMar 24, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 48 Months A+
4.90%
48 Months
▼
APR4.90%
Term48 Months
Last UpdatedMar 24, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 48 Months A
4.95%
48 Months
▼
APR4.95%
Term48 Months
Last UpdatedMar 24, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 63 Months A+
4.95%
63 Months
▼
APR4.95%
Term63 Months
Last UpdatedMar 24, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
Same rate on NEW or USED vehicles
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 24, 2026
Details
As Low As
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
1801 Market St, Philadelphia, PA, 19103 1628
New Auto
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedMar 25, 2026
Details
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
1801 Market St, Philadelphia, PA, 19103 1628
Used Auto (2015 or newer)
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedMar 25, 2026
Details
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
1801 Market St, Philadelphia, PA, 19103 1628
Used Auto (2017 or newer)
4.99%
66 months
▼
APR4.99%
Term66 months
Last UpdatedMar 25, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 36 Months B
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMar 24, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 63 Months A
5.00%
63 Months
▼
APR5.00%
Term63 Months
Last UpdatedMar 24, 2026
Details
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
300 Spring Garden St, Philadelphia, PA, 19123
New Auto Loan
5.10%
66 Months
▼
APR5.10%
Term66 Months
Last UpdatedMar 25, 2026
Details
As Low As; Up to $25,000
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
300 Spring Garden St, Philadelphia, PA, 19123
Used Same as New Auto Loan
5.10%
66 Months
▼
APR5.10%
Term66 Months
Last UpdatedMar 25, 2026
Details
As Low As; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 48 Months B
5.15%
48 Months
▼
APR5.15%
Term48 Months
Last UpdatedMar 24, 2026
Details
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
5.19%
1 - 63
▼
APR5.19%
Term1 - 63
Last UpdatedMar 21, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 75 Months A+
5.20%
75 Months
▼
APR5.20%
Term75 Months
Last UpdatedMar 24, 2026
Details
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
1801 Market St, Philadelphia, PA, 19103 1628
New Auto
5.24%
75 months
▼
APR5.24%
Term75 months
Last UpdatedMar 25, 2026
Details
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
1801 Market St, Philadelphia, PA, 19103 1628
Used Auto (2018 or newer)
5.24%
75 months
▼
APR5.24%
Term75 months
Last UpdatedMar 25, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 63 Months B
5.30%
63 Months
▼
APR5.30%
Term63 Months
Last UpdatedMar 24, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 75 Months A
5.30%
75 Months
▼
APR5.30%
Term75 Months
Last UpdatedMar 24, 2026
Details
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
5.39%
64 - 75
▼
APR5.39%
Term64 - 75
Last UpdatedMar 21, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
5.44%
1 - 63
▼
APR5.44%
Term1 - 63
Last UpdatedMar 21, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
Same rate on NEW or USED vehicles
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMar 24, 2026
Details
As Low As
NORTHWOOD
Institution Rating:
A5.0 ★ Texas Ratio: 6.85%
6836 Castor Ave, Philadelphia, PA, 19149 2108
New Auto Loan
5.50%
3 yr
▼
APR5.50%
Term3 yr
Last UpdatedMar 24, 2026
Details
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
5.64%
64 - 75
▼
APR5.64%
Term64 - 75
Last UpdatedMar 21, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 24 Months C
5.70%
24 Months
▼
APR5.70%
Term24 Months
Last UpdatedMar 24, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 84 Months A+
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedMar 24, 2026
Details
Eagle One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.26%
7500 Lindbergh Blvd, Philadelphia, PA, 19176
New/Used Auto
5.75%
36 Months
▼
APR5.75%
Term36 Months
Last UpdatedMar 25, 2026
Details
As Low As
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.41%
2970 Market St, Philadelphia, PA, 19104 5002
New Vehicles
5.75%
73 to 84 mos.
▼
APR5.75%
Term73 to 84 mos.
Last UpdatedMar 26, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
5.79%
76 - 84
▼
APR5.79%
Term76 - 84
Last UpdatedMar 21, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 75 Months B
5.80%
75 Months
▼
APR5.80%
Term75 Months
Last UpdatedMar 24, 2026
Details
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
300 Spring Garden St, Philadelphia, PA, 19123
New Auto Loan
5.80%
78 Months
▼
APR5.80%
Term78 Months
Last UpdatedMar 25, 2026
Details
As Low As; $15,000 to $35,000
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
300 Spring Garden St, Philadelphia, PA, 19123
Used Same as New Auto Loan
5.80%
78 Months
▼
APR5.80%
Term78 Months
Last UpdatedMar 25, 2026
Details
As Low As; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 84 Months A
5.85%
84 Months
▼
APR5.85%
Term84 Months
Last UpdatedMar 24, 2026
Details
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
5.94%
1 - 63
▼
APR5.94%
Term1 - 63
Last UpdatedMar 21, 2026
Details
As Low As
NORTHWOOD
Institution Rating:
A5.0 ★ Texas Ratio: 6.85%
6836 Castor Ave, Philadelphia, PA, 19149 2108
New Auto Loan
5.99%
4 yr
▼
APR5.99%
Term4 yr
Last UpdatedMar 24, 2026
Details
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
1801 Market St, Philadelphia, PA, 19103 1628
New Auto
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedMar 25, 2026
Details
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
1801 Market St, Philadelphia, PA, 19103 1628
Used Auto (2021 or newer)
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedMar 25, 2026
Details
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
6.04%
76 - 84
▼
APR6.04%
Term76 - 84
Last UpdatedMar 21, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 36 Months C
6.05%
36 Months
▼
APR6.05%
Term36 Months
Last UpdatedMar 24, 2026
Details
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
6.14%
64 - 75
▼
APR6.14%
Term64 - 75
Last UpdatedMar 21, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 84 Months B
6.35%
84 Months
▼
APR6.35%
Term84 Months
Last UpdatedMar 24, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
Same rate on NEW or USED vehicles
6.49%
72 Months
▼
APR6.49%
Term72 Months
Last UpdatedMar 24, 2026
Details
As Low As
NORTHWOOD
Institution Rating:
A5.0 ★ Texas Ratio: 6.85%
6836 Castor Ave, Philadelphia, PA, 19149 2108
New Auto Loan
6.49%
5 yr
▼
APR6.49%
Term5 yr
Last UpdatedMar 24, 2026
Details
Eagle One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.26%
7500 Lindbergh Blvd, Philadelphia, PA, 19176
New/Used Auto
6.50%
60 Months
▼
APR6.50%
Term60 Months
Last UpdatedMar 25, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
6.54%
76 - 84
▼
APR6.54%
Term76 - 84
Last UpdatedMar 21, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
6.79%
85 - 96
▼
APR6.79%
Term85 - 96
Last UpdatedMar 21, 2026
Details
As Low As
NORTHWOOD
Institution Rating:
A5.0 ★ Texas Ratio: 6.85%
6836 Castor Ave, Philadelphia, PA, 19149 2108
New Auto Loan
6.99%
6 yr
▼
APR6.99%
Term6 yr
Last UpdatedMar 24, 2026
Details
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
7.04%
85 - 96
▼
APR7.04%
Term85 - 96
Last UpdatedMar 21, 2026
Details
As Low As
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
300 Spring Garden St, Philadelphia, PA, 19123
New Auto Loan
7.05%
84 Months
▼
APR7.05%
Term84 Months
Last UpdatedMar 25, 2026
Details
As Low As; $35,000+
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
300 Spring Garden St, Philadelphia, PA, 19123
Used Same as New Auto Loan
7.05%
84 Months
▼
APR7.05%
Term84 Months
Last UpdatedMar 25, 2026
Details
As Low As; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 48 Months C
7.15%
48 Months
▼
APR7.15%
Term48 Months
Last UpdatedMar 24, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
Same rate on NEW or USED vehicles
7.49%
84 Months
▼
APR7.49%
Term84 Months
Last UpdatedMar 24, 2026
Details
As Low As
NORTHWOOD
Institution Rating:
A5.0 ★ Texas Ratio: 6.85%
6836 Castor Ave, Philadelphia, PA, 19149 2108
New Auto Loan
7.49%
7 yr
▼
APR7.49%
Term7 yr
Last UpdatedMar 24, 2026
Details
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
7.54%
85 - 96
▼
APR7.54%
Term85 - 96
Last UpdatedMar 21, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 63 Months C
7.55%
63 Months
▼
APR7.55%
Term63 Months
Last UpdatedMar 24, 2026
Details
Eagle One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.26%
7500 Lindbergh Blvd, Philadelphia, PA, 19176
New/Used Auto
7.75%
72 Months
▼
APR7.75%
Term72 Months
Last UpdatedMar 25, 2026
Details
As Low As
Eagle One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.26%
7500 Lindbergh Blvd, Philadelphia, PA, 19176
New/Used Auto
8.00%
84 Months
▼
APR8.00%
Term84 Months
Last UpdatedMar 25, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 75 Months C
8.70%
75 Months
▼
APR8.70%
Term75 Months
Last UpdatedMar 24, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
New Auto Loans 84 Months C
9.50%
84 Months
▼
APR9.50%
Term84 Months
Last UpdatedMar 24, 2026
Details
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
2209 W State St, New Castle, PA, 16101 1138
New Autos Never Titled
3.24%
Up to 40
▼
APR3.24%
TermUp to 40
Last UpdatedMar 23, 2026
Details
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
2209 W State St, New Castle, PA, 16101 1138
New Autos | Never Titled
3.24%
Up to 40
▼
APR3.24%
TermUp to 40
Last UpdatedMar 23, 2026
Details
VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
247 WILKES BARRE TOWNSHIP BLVD, WILKES BARRE, PA, 18702 6705
New Vehicle
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedMar 22, 2026
Details
Zero Down Payment
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
334 N 9th St, Stroudsburg, PA, 18360 1804
New Auto Loan
3.50%
5 years
▼
APR3.50%
Term5 years
Last UpdatedMar 21, 2026
Details
As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
Fayette Federal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.05%
364 Morgantown St, Uniontown, PA, 15401
New Vehicle Loans 36 months
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMar 26, 2026
Details
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
2209 W State St, New Castle, PA, 16101 1138
New Autos Never Titled
3.74%
41-52
▼
APR3.74%
Term41-52
Last UpdatedMar 23, 2026
Details
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
2209 W State St, New Castle, PA, 16101 1138
New Autos | Never Titled
3.74%
41-52
▼
APR3.74%
Term41-52
Last UpdatedMar 23, 2026
Details
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
5 Hot Metal St Ste 201, Pittsburgh, PA, 15203 2351
New / Used Vehicles
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMar 24, 2026
Details
As Low As
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
5 Hot Metal St Ste 201, Pittsburgh, PA, 15203 2351
New Vehicles
3.75%
84 Months
▼
APR3.75%
Term84 Months
Last UpdatedMar 24, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
4703 Hamilton Blvd, Allentown, PA, 18103
Fixed Rate New & Used Auto Loans
3.95%
Up to 36 Months
▼
APR3.95%
TermUp to 36 Months
Last UpdatedMar 24, 2026
Details
As Low As; Vehicle Model Years: All Years**
Stanwood Area Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.48%
444 Arona Rd, New Stanton, PA, 15672
New Auto
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 15, 2026
Details
UFCW Local 1776 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
3031A Walton Rd Ste 310, Plymouth Meeting, PA, 19462 2369
New Vehicles
3.99%
5 Months
▼
APR3.99%
Term5 Months
Last UpdatedMar 16, 2026
Details
As Low As; * For Qualified Buyer
APCI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
6126 Hamilton Blvd Ste 102, Allentown, PA, 18106
New Auto
3.99%
3 years
▼
APR3.99%
Term3 years
Last UpdatedMar 25, 2026
Details
Citymark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
40 E Market St, Wilkes Barre, PA, 18711
New Car
3.99%
96 Months
▼
APR3.99%
Term96 Months
Last UpdatedMar 25, 2026
Details
As Low As; (based on credit score)
First Commonwealth Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.91%
450 Union Blvd, Allentown, PA, 18109 3228
New Auto Loan Refinance Rate Special
3.99%
3 - 36
▼
APR3.99%
Term3 - 36
Last UpdatedMar 26, 2026
Details
As Low As; Model Years 2025 - 2027
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★
2014 Laubach Ave, Northampton, PA, 18067 1351
New Autos
4.00%
Up to 36 months
▼
APR4.00%
TermUp to 36 months
Last UpdatedMar 15, 2026
Details
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
501 Hamilton St, Allentown, PA, 18101
New Autos
4.00%
Up to 36 months
▼
APR4.00%
TermUp to 36 months
Last UpdatedMar 20, 2026
Details
VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
247 WILKES BARRE TOWNSHIP BLVD, WILKES BARRE, PA, 18702 6705
New Vehicle
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMar 22, 2026
Details
Zero Down Payment
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
5 Hot Metal St Ste 201, Pittsburgh, PA, 15203 2351
New / Used Vehicles
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMar 24, 2026
Details
As Low As
G.A.P. Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
111 Franklin St Rm 224, Johnstown, PA, 15901
New Vehicle (2026, 2025)
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedMar 26, 2026
Details
Fayette Federal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.05%
364 Morgantown St, Uniontown, PA, 15401
New Vehicle Loans 48 months
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedMar 26, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
4703 Hamilton Blvd, Allentown, PA, 18103
Fixed Rate New & Used Auto Loans
4.05%
Up to 48 Months
▼
APR4.05%
TermUp to 48 Months
Last UpdatedMar 24, 2026
Details
As Low As; Vehicle Model Years: All Years**
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
334 N 9th St, Stroudsburg, PA, 18360 1804
New Auto Loan
4.15%
4 years
▼
APR4.15%
Term4 years
Last UpdatedMar 21, 2026
Details
As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
4703 Hamilton Blvd, Allentown, PA, 18103
Fixed Rate New & Used Auto Loans
4.15%
Up to 60 Months
▼
APR4.15%
TermUp to 60 Months
Last UpdatedMar 24, 2026
Details
As Low As; Vehicle Model Years: All Years**
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
409 Center St Ste C, Johnsonburg, PA, 15845 1307
New or Used Vehicles 2025 to 2026
4.15%
3 Months
▼
APR4.15%
Term3 Months
Last UpdatedMar 24, 2026
Details
As Low As; 3 YEAR REPAY
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
4703 Hamilton Blvd, Allentown, PA, 18103
Fixed Rate New & Used Auto Loans
4.20%
Up to 36 Months
▼
APR4.20%
TermUp to 36 Months
Last UpdatedMar 24, 2026
Details
As Low As; Vehicle Model Years: All Years**
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
2209 W State St, New Castle, PA, 16101 1138
New Autos Never Titled
4.24%
53-64
▼
APR4.24%
Term53-64
Last UpdatedMar 23, 2026
Details
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
2209 W State St, New Castle, PA, 16101 1138
New Autos | Never Titled
4.24%
53-64
▼
APR4.24%
Term53-64
Last UpdatedMar 23, 2026
Details
Allegheny Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
1253 University Dr Ste 100, Dunbar, PA, 15431 2305
New Vehicle Loan
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedMar 24, 2026
Details
As Low As; Current Year + 2 Years
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
300 State St Ste 303, Erie, PA, 16507
New & Used Car 2027-2024 Model Year
4.24%
24 Months
▼
APR4.24%
Term24 Months
Last UpdatedMar 26, 2026
Details
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★
2014 Laubach Ave, Northampton, PA, 18067 1351
Used Autos 2021 and newer
4.25%
Up to 36 months 80-90% NADA retail
▼
APR4.25%
TermUp to 36 months 80-90% NADA retail
Last UpdatedMar 15, 2026
Details
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
501 Hamilton St, Allentown, PA, 18101
Used Autos 2022 and newer
4.25%
Up to 36 months
▼
APR4.25%
TermUp to 36 months
Last UpdatedMar 20, 2026
Details
80-90% NADA retail
MERHO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
15 Irene St, Johnstown, PA, 15905 4124
New Car 2025 (or) 2024 (Never Titled)
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; Add .5% for 72 months for qualifying vehicles Add 1.00% for 84 months for qualifying vehicles
Washington Area Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
75 Landings Drive, Washington, PA, 15301
Autos - Model Years 2025 & Newer
4.25%
12 to 36 months
▼
APR4.25%
Term12 to 36 months
Last UpdatedMar 22, 2026
Details
As Low As
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
5 Hot Metal St Ste 201, Pittsburgh, PA, 15203 2351
New / Used Vehicles
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedMar 24, 2026
Details
As Low As
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
409 Center St Ste C, Johnsonburg, PA, 15845 1307
New or Used Vehicles 2025 to 2026
4.25%
4 Months
▼
APR4.25%
Term4 Months
Last UpdatedMar 24, 2026
Details
As Low As; 4 YEAR REPAY
Armstrong Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
414 Ford St, Ford City, PA, 16226
NEW Auto Loan
4.29%
60 Months
▼
APR4.29%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; up to 60 Months
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
Same rate on NEW or USED vehicles
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 24, 2026
Details
As Low As
Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
14425 Bustleton Ave, Philadelphia, PA, 19116
Used Auto Loan
4.89%
Up to 48 Months
▼
APR4.89%
TermUp to 48 Months
Last UpdatedMar 22, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
4.95%
24 Months
▼
APR4.95%
Term24 Months
Last UpdatedMar 24, 2026
Details
Credit Rating A+
Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
14425 Bustleton Ave, Philadelphia, PA, 19116
Used Auto Loan
4.99%
49 to 66 Months
▼
APR4.99%
Term49 to 66 Months
Last UpdatedMar 22, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
Same rate on NEW or USED vehicles
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 24, 2026
Details
As Low As
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
1801 Market St, Philadelphia, PA, 19103 1628
Used Auto (2015 or newer)
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedMar 25, 2026
Details
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
1801 Market St, Philadelphia, PA, 19103 1628
Used Auto (2017 or newer)
4.99%
66 months
▼
APR4.99%
Term66 months
Last UpdatedMar 25, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
5.05%
24 Months
▼
APR5.05%
Term24 Months
Last UpdatedMar 24, 2026
Details
Credit Rating A
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
300 Spring Garden St, Philadelphia, PA, 19123
Used Same as New Auto Loan
5.10%
66 Months
▼
APR5.10%
Term66 Months
Last UpdatedMar 25, 2026
Details
As Low As; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
5.15%
36 Months
▼
APR5.15%
Term36 Months
Last UpdatedMar 24, 2026
Details
Credit Rating A
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
5.19%
1 - 63
▼
APR5.19%
Term1 - 63
Last UpdatedMar 21, 2026
Details
As Low As
Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
14425 Bustleton Ave, Philadelphia, PA, 19116
Used Auto Loan
5.19%
67 to 75 Months
▼
APR5.19%
Term67 to 75 Months
Last UpdatedMar 22, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
5.20%
24 Months
▼
APR5.20%
Term24 Months
Last UpdatedMar 24, 2026
Details
Credit Rating B
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
1801 Market St, Philadelphia, PA, 19103 1628
Used Auto (2018 or newer)
5.24%
75 months
▼
APR5.24%
Term75 months
Last UpdatedMar 25, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedMar 24, 2026
Details
Credit Rating A
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
5.30%
36 Months
▼
APR5.30%
Term36 Months
Last UpdatedMar 24, 2026
Details
Credit Rating B
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
5.39%
64 - 75
▼
APR5.39%
Term64 - 75
Last UpdatedMar 21, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
5.44%
1 - 63
▼
APR5.44%
Term1 - 63
Last UpdatedMar 21, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
5.45%
48 Months
▼
APR5.45%
Term48 Months
Last UpdatedMar 24, 2026
Details
Credit Rating B
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
Same rate on NEW or USED vehicles
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMar 24, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
5.50%
75 Months
▼
APR5.50%
Term75 Months
Last UpdatedMar 24, 2026
Details
Credit Rating A+
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
300 Spring Garden St, Philadelphia, PA, 19123
Used Auto Loan
5.50%
66 Months
▼
APR5.50%
Term66 Months
Last UpdatedMar 25, 2026
Details
As Low As; Up to 80% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
14425 Bustleton Ave, Philadelphia, PA, 19116
Used Auto Loan
5.54%
Up to 48 Months
▼
APR5.54%
TermUp to 48 Months
Last UpdatedMar 22, 2026
Details
As Low As
Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
14425 Bustleton Ave, Philadelphia, PA, 19116
Used Auto Loan
5.59%
76 to 84 Months
▼
APR5.59%
Term76 to 84 Months
Last UpdatedMar 22, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
5.60%
63 Months
▼
APR5.60%
Term63 Months
Last UpdatedMar 24, 2026
Details
Credit Rating B
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
5.64%
64 - 75
▼
APR5.64%
Term64 - 75
Last UpdatedMar 21, 2026
Details
As Low As
Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
14425 Bustleton Ave, Philadelphia, PA, 19116
Used Auto Loan
5.74%
49 to 66 Months
▼
APR5.74%
Term49 to 66 Months
Last UpdatedMar 22, 2026
Details
As Low As
Eagle One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.26%
7500 Lindbergh Blvd, Philadelphia, PA, 19176
New/Used Auto
5.75%
36 Months
▼
APR5.75%
Term36 Months
Last UpdatedMar 25, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
5.79%
76 - 84
▼
APR5.79%
Term76 - 84
Last UpdatedMar 21, 2026
Details
As Low As
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
300 Spring Garden St, Philadelphia, PA, 19123
Used Same as New Auto Loan
5.80%
78 Months
▼
APR5.80%
Term78 Months
Last UpdatedMar 25, 2026
Details
As Low As; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
5.94%
1 - 63
▼
APR5.94%
Term1 - 63
Last UpdatedMar 21, 2026
Details
As Low As
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
1801 Market St, Philadelphia, PA, 19103 1628
Used Auto (2021 or newer)
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedMar 25, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
6.00%
24 Months
▼
APR6.00%
Term24 Months
Last UpdatedMar 24, 2026
Details
Credit Rating C
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
6.04%
76 - 84
▼
APR6.04%
Term76 - 84
Last UpdatedMar 21, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
6.10%
75 Months
▼
APR6.10%
Term75 Months
Last UpdatedMar 24, 2026
Details
Credit Rating B
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
6.14%
64 - 75
▼
APR6.14%
Term64 - 75
Last UpdatedMar 21, 2026
Details
As Low As
Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
14425 Bustleton Ave, Philadelphia, PA, 19116
Used Auto Loan
6.14%
67 to 75 Months
▼
APR6.14%
Term67 to 75 Months
Last UpdatedMar 22, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
6.15%
84 Months
▼
APR6.15%
Term84 Months
Last UpdatedMar 24, 2026
Details
Credit Rating A
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
6.35%
36 Months
▼
APR6.35%
Term36 Months
Last UpdatedMar 24, 2026
Details
Credit Rating C
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
300 Spring Garden St, Philadelphia, PA, 19123
Used Auto Loan
6.40%
78 Months
▼
APR6.40%
Term78 Months
Last UpdatedMar 25, 2026
Details
As Low As; Up to 80% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
Same rate on NEW or USED vehicles
6.49%
72 Months
▼
APR6.49%
Term72 Months
Last UpdatedMar 24, 2026
Details
As Low As
Eagle One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.26%
7500 Lindbergh Blvd, Philadelphia, PA, 19176
New/Used Auto
6.50%
60 Months
▼
APR6.50%
Term60 Months
Last UpdatedMar 25, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
6.54%
76 - 84
▼
APR6.54%
Term76 - 84
Last UpdatedMar 21, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
6.65%
84 Months
▼
APR6.65%
Term84 Months
Last UpdatedMar 24, 2026
Details
Credit Rating B
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
6.79%
85 - 96
▼
APR6.79%
Term85 - 96
Last UpdatedMar 21, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
7.04%
85 - 96
▼
APR7.04%
Term85 - 96
Last UpdatedMar 21, 2026
Details
As Low As
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
300 Spring Garden St, Philadelphia, PA, 19123
Used Same as New Auto Loan
7.05%
84 Months
▼
APR7.05%
Term84 Months
Last UpdatedMar 25, 2026
Details
As Low As; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
300 Spring Garden St, Philadelphia, PA, 19123
Used Auto Loan
7.40%
84 Months
▼
APR7.40%
Term84 Months
Last UpdatedMar 25, 2026
Details
As Low As; Up to 80% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
7.45%
48 Months
▼
APR7.45%
Term48 Months
Last UpdatedMar 24, 2026
Details
Credit Rating C
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
Same rate on NEW or USED vehicles
7.49%
84 Months
▼
APR7.49%
Term84 Months
Last UpdatedMar 24, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
12901 Townsend Rd, Philadelphia, PA, 19154 1021
New & Used Auto Loans
7.54%
85 - 96
▼
APR7.54%
Term85 - 96
Last UpdatedMar 21, 2026
Details
As Low As
Eagle One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.26%
7500 Lindbergh Blvd, Philadelphia, PA, 19176
New/Used Auto
7.75%
72 Months
▼
APR7.75%
Term72 Months
Last UpdatedMar 25, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
7.85%
63 Months
▼
APR7.85%
Term63 Months
Last UpdatedMar 24, 2026
Details
Credit Rating C
NORTHWOOD
Institution Rating:
A5.0 ★ Texas Ratio: 6.85%
6836 Castor Ave, Philadelphia, PA, 19149 2108
Used Auto Loan
7.99%
4 Years
▼
APR7.99%
Term4 Years
Last UpdatedMar 24, 2026
Details
Eagle One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.26%
7500 Lindbergh Blvd, Philadelphia, PA, 19176
New/Used Auto
8.00%
84 Months
▼
APR8.00%
Term84 Months
Last UpdatedMar 25, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
9.00%
75 Months
▼
APR9.00%
Term75 Months
Last UpdatedMar 24, 2026
Details
Credit Rating C
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
8704A Crispin Dr, Philadelphia, PA, 19136 1304
Used Auto Loans
9.80%
84 Months
▼
APR9.80%
Term84 Months
Last UpdatedMar 24, 2026
Details
Credit Rating C
VANTAGE TRUST
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
247 WILKES BARRE TOWNSHIP BLVD, WILKES BARRE, PA, 18702 6705
Used Vehicle
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedMar 22, 2026
Details
2016-2019
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
2209 W State St, New Castle, PA, 16101 1138
Used Autos 2026 - 2024
3.49%
Up to 40
▼
APR3.49%
TermUp to 40
Last UpdatedMar 23, 2026
Details
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
5 Hot Metal St Ste 201, Pittsburgh, PA, 15203 2351
New / Used Vehicles
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMar 24, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
4703 Hamilton Blvd, Allentown, PA, 18103
Fixed Rate New & Used Auto Loans
3.95%
Up to 36 Months
▼
APR3.95%
TermUp to 36 Months
Last UpdatedMar 24, 2026
Details
As Low As; Vehicle Model Years: All Years**
APCI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
6126 Hamilton Blvd Ste 102, Allentown, PA, 18106
Used Auto
3.99%
3 years (2018-2026)
▼
APR3.99%
Term3 years (2018-2026)
Last UpdatedMar 25, 2026
Details
First Commonwealth Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.91%
450 Union Blvd, Allentown, PA, 18109 3228
Used Auto Loan Refinance Rate Special
3.99%
3 - 36
▼
APR3.99%
Term3 - 36
Last UpdatedMar 26, 2026
Details
As Low As; Model Years 2022 - 2027
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
5 Hot Metal St Ste 201, Pittsburgh, PA, 15203 2351
New / Used Vehicles
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMar 24, 2026
Details
As Low As
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
566 S Main St, Wilkes Barre, PA, 18701 2102
Used Vehicles - (3-4 Years Old) JD Power Book Price - 90% Financed
4.00%
12 Months
▼
APR4.00%
Term12 Months
Last UpdatedMar 25, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
4703 Hamilton Blvd, Allentown, PA, 18103
Fixed Rate New & Used Auto Loans
4.05%
Up to 48 Months
▼
APR4.05%
TermUp to 48 Months
Last UpdatedMar 24, 2026
Details
As Low As; Vehicle Model Years: All Years**
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
4703 Hamilton Blvd, Allentown, PA, 18103
Fixed Rate New & Used Auto Loans
4.15%
Up to 60 Months
▼
APR4.15%
TermUp to 60 Months
Last UpdatedMar 24, 2026
Details
As Low As; Vehicle Model Years: All Years**
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
409 Center St Ste C, Johnsonburg, PA, 15845 1307
New or Used Vehicles 2025 to 2026
4.15%
3 Months
▼
APR4.15%
Term3 Months
Last UpdatedMar 24, 2026
Details
As Low As; 3 YEAR REPAY
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
4703 Hamilton Blvd, Allentown, PA, 18103
Fixed Rate New & Used Auto Loans
4.20%
Up to 36 Months
▼
APR4.20%
TermUp to 36 Months
Last UpdatedMar 24, 2026
Details
As Low As; Vehicle Model Years: All Years**
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
300 State St Ste 303, Erie, PA, 16507
New & Used Car 2027-2024 Model Year
4.24%
24 Months
▼
APR4.24%
Term24 Months
Last UpdatedMar 26, 2026
Details
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★
2014 Laubach Ave, Northampton, PA, 18067 1351
Used Autos 2021 and newer
4.25%
Up to 36 months 80-90% NADA retail
▼
APR4.25%
TermUp to 36 months 80-90% NADA retail
Last UpdatedMar 15, 2026
Details
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
501 Hamilton St, Allentown, PA, 18101
Used Autos 2022 and newer
4.25%
Up to 36 months
▼
APR4.25%
TermUp to 36 months
Last UpdatedMar 20, 2026
Details
80-90% NADA retail
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
5 Hot Metal St Ste 201, Pittsburgh, PA, 15203 2351
New / Used Vehicles
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedMar 24, 2026
Details
As Low As
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
409 Center St Ste C, Johnsonburg, PA, 15845 1307
New or Used Vehicles 2025 to 2026
4.25%
4 Months
▼
APR4.25%
Term4 Months
Last UpdatedMar 24, 2026
Details
As Low As; 4 YEAR REPAY
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
566 S Main St, Wilkes Barre, PA, 18701 2102
Used Vehicles - (3-4 Years Old) JD Power Book Price - 90% Financed
4.25%
24 Months
▼
APR4.25%
Term24 Months
Last UpdatedMar 25, 2026
Details
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MonitorBankRates
National Auto Loan Rate Trends
Weekly national average APRs for new and used auto loans
Auto loan rate data from our database of 8,500+ banks and credit unions — updated weekly.
New Auto Loan — National Avg APR
6.042%
▲ 0.246 from last week
New auto loan rates rose 0.246 points this week to 6.042% APR, up from 5.795% last week.
Used Auto Loan — National Avg APR
6.605%
▲ 0.185 from last week
Used auto loan rates rose 0.185 points this week to 6.605% APR, up from 6.420% last week.
National averages as of Mar 27, 2026 • Weekly data from 8,500+ U.S. banks & credit unions
Powered byMonitorBankRates
Frequently Asked Questions about Auto Loans in Philadelphia, 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 Philadelphia, 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 Philadelphia, Pennsylvania typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
What are the best Auto Loan rates in Philadelphia, Pennsylvania?
Based on our current data, some of the lowest auto loan rates available in Philadelphia, Pennsylvania include:
- ADVANTAGE FINANCIAL: 4.49% (Auto Loans)
- FedChoice Federal Credit Union: 4.50% (New Vehicles)
- Pennsylvania State Employees Credit Union: 4.69% (Auto Loan Refinance)
- Reliance Federal Credit Union: 4.70% (New Auto Loans 24 Months A+)
- Self Reliance NY Federal Credit Union: 4.89% (Auto Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Philadelphia, Pennsylvania. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 26, 2026
Philadelphia, Pennsylvania Rates & Resources
