Russellton, Pennsylvania auto loan rates from lenders serving Pennsylvania range from 2.99% to 4.50% APR, verified by MonitorBankRates as of October 31, 2026. Current auto loan rates in Russellton, Pennsylvania include United Federal Credit UnionUnited Federal Credit UnionA+5.0 ★Texas Ratio: 4.11%Rate verified Oct 28, 2026 offering Fixed Rate New & Used Auto Loans at 2.99%, Polish And Slavic Federal Credit UnionPolish And Slavic Federal Credit UnionA+5.0 ★Texas Ratio: 1.64%Rate verified Oct 29, 2026 offering New Auto Loan - 1 year at 2.99%, Wyrope Williamsport Federal Credit UnionWyrope Williamsport Federal Credit UnionA+5.0 ★Texas Ratio: 2.49%Rate verified Oct 29, 2026 offering Auto Loan at 3.00%, Bradford Area Federal Credit UnionBradford Area Federal Credit UnionA+5.0 ★Texas Ratio: 1.22%Rate verified Oct 29, 2026 offering Vehicle Loan at 3.00%, Corner Post Federal Credit UnionCorner Post Federal Credit UnionA+5.0 ★Texas Ratio: 1.58%Rate verified Oct 28, 2026 offering New Vehicle Loan - 12 mos. at 3.25%. Auto loan rates as of October 31, 2026 according to verified data from MonitorBankRates.
Russellton borrowers have access to 67 lenders serving the Pennsylvania area, with auto loan rates as low as 2.99% APR from United Federal Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Russellton, Pennsylvania. Auto Loan Rates Last Updated and Verified: October 31, 2026
As Low As; Vehicle Model Years: All Years; Effective Date: October 02, 2026
As Low As; Rate as low as 2.990%; APR as low as 2.990%; The above rates apply with automatic payment from the PSFCU Checking Account; rates are 0.25% higher without automatic payment
As Low As; Rate as low as 2.990%; APR as low as 2.990%; The above rates apply with automatic payment from the PSFCU Checking Account; rates are 0.25% higher without automatic payment
As Low As; Rate as low as 2.990%; APR as low as 2.990%; The above rates apply with automatic payment from the PSFCU Checking Account; rates are 0.25% higher without automatic payment
As Low As; Rate as low as 2.990%; APR as low as 2.990%; The above rates apply with automatic payment from the PSFCU Checking Account; rates are 0.25% higher without automatic payment
As Low As; Maximum Loan to Value (LTV): 100%; Maximum Age of Vehicle: N/A; Maximum Mileage: N/A
As Low As; Maximum Loan to Value (LTV): 100%; Maximum Age of Vehicle: 10 Years; Maximum Mileage: N/A
As Low As; Maximum Loan to Value (LTV): 125%; Maximum Age of Vehicle: 10 Years; Maximum Mileage: 100,000
As Low As; Vehicles, Personal, Share Secured loan rates
Rate range: 3.25% - 8.00% APR*
Rate range: 3.25% -8.25% APR*
Rate range: 3.25% - 8.00% APR; Vehicle Loans - New Vehicles
Rate range: 3.25% -8.25% APR; Vehicle Loans - New Vehicles
As Low As; Vehicles, Personal, Share Secured loan rates
As Low As
As Low As; Rates reflect 0.50% discount for Automatic Payment
As Low As; Rates reflect 0.50% discount for Automatic Payment; Effective 10/19/2026
As Low As; Model Year: 2024 & newer; Other terms and rates available. Please contact us for more information.
As Low As; Evergreen Advantage rate discount; qualifies with E-Statements, Full Direct Deposit, Checking Account, Western PA Visa Credit Card (up to 1.00% total discount)
As Low As; Evergreen Advantage rate discount; qualifies with E-Statements, Full Direct Deposit, Checking Account, Western PA Visa Credit Card (up to 1.00% total discount)
Published APR range: 3.490% - 8.990%. Zero Down Payment
Published APR range: 3.490% - 9.240%. Zero Down Payment
Rate range: 3.50% - 9.00% APR*
Rate range: 3.50% - 9.00% APR; Vehicle Loans - New Vehicles
Rate range: 3.50% - 9.00% APR*; Financing: 85% of JD Power Book Price; Vehicle age: 5 Years & Older
APR range: 3.50% - 9.00% APR*
APR range 3.50% - 9.00%; JD Power Book Price - 90% Financed
Rate range: 3.50% - 9.00% APR; 85% financed
Rate range: 3.50% - 9.00% APR*; 100% Financed
As Low As; New Vehicle
As Low As; Rate as low as 3.500%; APR as low as 3.500%; The above rates apply with automatic payment from the PSFCU Checking Account; rates are 0.25% higher without automatic payment
As Low As; Evergreen Advantage rate discount; qualifies with E-Statements, Full Direct Deposit, Checking Account, Western PA Visa Credit Card (up to 1.00% total discount)
As Low As; Model Years: 2024 - 2026; Effective as of August 26, 2026
As Low As; Rates reflect 0.50% discount for Automatic Payment
As Low As; Model Year: 2027 - 2025; Rates reflect 0.50% Automatic Payment discount
As Low As; Model Year: 2027 - 2025; Rates effective 10/19/2026; 0.50% discount applies with automatic payment
As Low As; Evergreen Advantage rate discount; qualifies with E-Statements, Full Direct Deposit, Checking Account, Western PA Visa Credit Card (up to 1.00% total discount)
As Low As; Evergreen Advantage program APR (up to 1.00% rate discount with qualifying services)
As Low As; Evergreen Advantage program APR (up to 1.00% rate discount with qualifying services)
Rate range: 3.75% - 9.75% APR*
Rate range: 3.75% - 9.75% APR; Vehicle Loans - New Vehicles
Rate range: 3.75% - 9.50% APR*; Financing: 85% of JD Power Book Price; Vehicle age: 5 Years & Older
APR range: 3.75% - 9.50% APR*
APR range 3.75% - 9.50%; JD Power Book Price - 90% Financed
Rate range: 3.75% - 9.50% APR; 85% financed
Rate range: 3.75% - 9.50% APR*; 100% Financed
As Low As; Model Year: 2024 & newer; Other terms and rates available. Please contact us for more information.
As Low As; with Relationship Rewards
As Low As; Evergreen Advantage rate discount; qualifies with E-Statements, Full Direct Deposit, Checking Account, Western PA Visa Credit Card (up to 1.00% total discount)
As Low As
As Low As; w/ Auto Pay Discount; Rates are based on applicant's credit worthiness; Your actual rate may vary
Max Limit: $45,000.00
As Low As; Evergreen Advantage program APR (up to 1.00% rate discount with qualifying services)
As Low As; APR as low as 3.95% applies to model years 2025 and newer with repayment terms of 12 to 36 months; 84 month repayment term is available for model years 2021 and newer; 100% NADA loan value plus cost of acquisition
Term: Fixed up to 48 months; As Low As; Rate is determined by your credit history and the loan term
Term: Fixed up to 60 months; As Low As; Rate is determined by your credit history and the loan term
As Low As; Rates reflect 0.50% discount for Automatic Payment; Effective 10/19/2026
As Low As; Lowest possible APR with qualification
As Low As; Based on credit score; Loan amount: Up to 125% of the MSRP including tax, tags, warranties, and GAP Insurance; Rates are stated as low as best rate available for 36 Months. Rate will be determined and will increase based on term, score, and LTV.
As Low As; New Vehicles
As Low As; NEW Auto Loan Rates
As Low As; Rates 0.25% higher without automatic payment from PSFCU Checking Account
As Low As; Rates 0.25% higher without automatic payment from PSFCU Checking Account
As Low As; Rates 0.25% higher without automatic payment from PSFCU Checking Account
As Low As; Rates 0.25% higher without automatic payment from PSFCU Checking Account
New vehicle defined as 2026-2027 model year and never titled; 700 credit score and above; maximum LTV 115%; dealer purchases only; minimum loan $20,000; effective October 1 - December 31, 2026
$5,000; APR* As Low As; Daily Periodic Rate: 0.01093%
$5,000; APR* As Low As; Daily Periodic Rate: 0.01093%
$5,000; APR* As Low As; Daily Periodic Rate: 0.01093%
$5,000; APR* As Low As; Daily Periodic Rate: 0.01093%
As Low As; Model Year: 2025 - 2027; APR*
As Low As; Model Year: 2025 - 2027; APR*
As Low As; APR; Rates are based on applicant's credit worthiness; Your actual rate may vary
As Low As; w/ Auto Pay Discount: as low as 3.89%
Rate range: 4.00% - 10.75% APR*
Rate range: 4.00% - 10.75% APR; Vehicle Loans - New Vehicles
Rate range: 4.00% - 10.00% APR*; Financing: 85% of JD Power Book Price; Vehicle age: 5 Years & Older
APR range: 4.00% - 10.00% APR*
APR range 4.00% - 10.00%; JD Power Book Price - 90% Financed
Rate range: 4.00% - 10.00% APR; 85% financed
Rate range: 4.00% - 10.00% APR*; 100% Financed
As Low As; Lower interest rate for 48 & 60 month terms only for New Vehicles with A+, A, & B scores; rate based on credit worthiness
As Low As; New Vehicle
As Low As; Maximum Loan to Value (LTV): 125%; Maximum Age of Vehicle: 10 Years; Maximum Mileage: 150,000
Score: 730+; Grade of Paper: A+; Secured Advances
Score: 730+; Grade of Paper: A+; Secured Advances
As Low As; Vehicles, Personal, Share Secured loan rates
APR range: 4.00 - 6.00%
Published rate range: 4.00%-14.05%. Rate range based on credit score; Maximum Amount to Borrow: $150,000.00
Published rate range: 4.00%-13.00%. Rate range based on credit score; Maximum Amount to Borrow: $150,000.00
Rate range: 4.00%-10.45%; Maximum amount to borrow: $150,000.00; Rate is based on credit score
Never been titled; Credit Score Key: A=700-799; A+ (800 and up) reduces A rate by .5 percent, not below 1.5%; Add .75% to all categories to increase term to 72 Months; Calculate additional .50% for vehicles with more than 100,000 miles
APR range: 4.00% - 6.00%; Rates Effective 11/20/2025
Vehicle: under 1,000 miles; Model Year: 2023-2026; $50,000 maximum
Vehicle: under 1,000 miles; Model Year: 2023-2026; $50,000 maximum
Published APR range: 4.000% - 10.250%. Zero Down Payment
As Low As; Model Year: 2023 and newer; Approximate; APR may vary with credit qualifications, collateral age, payment protection, and Direct Deposit with AutoPay from a Genisys account; 90 days no payment offer for credit scores of 660+, interest accrues
As Low As
As Low As; 2024 Model Year and Newer Vehicles; Loan limit - 90% of Manufacturers Suggested Retail Price or J.D. Power NADA suggested retail value; High mileage surcharge if mileage exceeds 15,000 miles per model year
As Low As; Evergreen Advantage rate; Model year 2019 & Older; up to 1.00% total discount for E-Statements, Full Direct Deposit, Checking Account, Western PA Visa Credit Card
As Low As; Evergreen Advantage program APR (up to 1.00% rate discount with qualifying services)
As Low As; w/ Auto Pay Discount; Rates are based on applicant's credit worthiness; Your actual rate may vary
As Low As; Model Year: 2025 to 2026; Loan rates effective 08/20/2025
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles (late model used); Rates as of Oct 30, 2026 ET; Advertised APR assumes excellent credit
As Low As; Advertised APR assumes excellent borrower credit; Rates as of Oct 26, 2026 ET
As Low As; Model Year: 2024, 2025 & Newer; Available to members with credit score of 725 and higher
Model Year: 2021 - 2026 (<50,0000 miles)
Model Year: 2021 - 2026 (<50,0000 miles)
Model Year: 2021 - 2026 (<50,0000 miles)
Model Year: 2021 - 2026 (<50,0000 miles)
As Low As; Rate disclosed includes .25% discount for automatic payment from a TCAFCU account; assumes less than 90% loan to value
As Low As; APR = Annual Percentage Rate; lowest rates assume less than 90% loan to value; includes .25% discount for automatic payment from a TCAFCU account
Model Year: 2018-2027; Rates include 0.50% discount for automatic payments from active WBVFCU account and monthly direct deposit
As Low As; Lowest possible APR with qualification
As Low As; Evergreen Advantage program APR (up to 1.00% rate discount with qualifying services)
As Low As; Requires direct deposit with Parda Federal Credit Union; for qualified borrowers; rate and term may vary based on credit score, year of collateral and loan-to-value
As Low As; Model Year: 2022 and Newer (new or used); Daily Periodic Rate: 0.011616%
As Low As; APR; Rates are based on applicant's credit worthiness; Your actual rate may vary
As Low As; w/ Auto Pay Discount: as low as 4.14%
Financing: 100%* (New); *Used Vehicle 60 and 84 month financing; certain restrictions may apply
Rate range: 4.25% - 11.00% APR*
Rate range: 4.25% - 11.00% APR; Vehicle Loans - New Vehicles
APR range: 4.25% - 10.50% APR*
APR range 4.25% - 10.50%; JD Power Book Price - 90% Financed
Rate range: 4.25% - 10.50% APR*; 100% Financed
Score: 730+; Grade of Paper: A+; Secured Advances
As Low As; Model Years 2025 & Newer
As Low As; Model Year: 2025 to 2026; Loan rates effective 08/20/2025
As Low As; Model Year: 2024 & newer; Other terms and rates available. Please contact us for more information.
As Low As; Model Year: 2019-2023; Other terms and rates available. Please contact us for more information.
80-90% NADA retail; APR range: 4.25 - 6.25%
As Low As; APR as low as
As Low As; APR as low as
As Low As; APR as low as
Fair Isaac Risk Score: 725-850; Vehicle: Never Titled; Used Vehicles - 36 months or less - 90% Financing
As Low As; Add .5% for 72 months for qualifying vehicles; Add 1.00% for 84 months for qualifying vehicles
Published rate range: 4.25%- 14.25%. Rate range based on credit score; Maximum Amount to Borrow: $150,000.00
80-90% NADA retail; APR range: 4.25% - 6.25%; Rates Effective 11/20/2025
As Low As; 100-80% LTV on Cars, Vans, Trucks, and Motorcycles; Never been Titled; Rates effective 10-15-2024; up to 120 days to refinance to receive New rate
As Low As; New and Used Auto APR as low as*
As Low As; Additional discounts may apply
As Low As; 110% Financing on Vehicles; This rate includes the .25% discount for Auto Pay; Effective Date: 05/01/2026
As Low As; w/ Auto Pay Discount; Rates are based on applicant's credit worthiness; Your actual rate may vary
Loan rate table: Interest Rate and APR columns
As Low As; 2024 Model Year and Newer Vehicles; Loan limit - 90% of Manufacturers Suggested Retail Price or J.D. Power NADA suggested retail value; High mileage surcharge if mileage exceeds 15,000 miles per model year
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
As Low As; With terms up to 84 months; Rate includes .25% discount with Auto Pay; Effective Date: 05/01/2026
APR range: 4.49% to 6.49%; Up to 100% of price plus taxes and transfer fees.
Model Year: 2021 - 2026 (<50,0000 miles)
Model Year: 2021 - 2026 (> 50,000 Miles)
Model Year: 2021 - 2026 (> 50,000 Miles)
Model Year: 2021 - 2026 (> 50,000 Miles)
Model Year: 2021 - 2026 (> 50,000 Miles)
As Low As; Rate disclosed includes .25% discount for automatic payment from a TCAFCU account; assumes less than 90% loan to value
As Low As; APR = Annual Percentage Rate; lowest rates assume less than 90% loan to value; includes .25% discount for automatic payment from a TCAFCU account
Model Year: 2021-2027; Minimum loan $20,000; Rates include 0.50% discount for automatic payments from active WBVFCU account and monthly direct deposit
As Low As; Rates reflect 0.50% discount for Automatic Payment; Effective 10/19/2026
As Low As; GREAT RATES! FLEXIBLE TERMS! AVAILABLE 24/7!; Effective October 29, 2026
As Low As
As Low As
As Low As
As Low As; Tier 1: 710; Minimum credit score 620; Add 1.0 basis points if lower score approved; Possible extended term up to 6 months adds .50 basis points, not to exceed 72 months
As Low As; Lowest possible APR for vehicles 2022 & newer; Rate based on credit worthiness, term and other conditions
As Low As; Lowest possible APR for vehicles 2022 & newer; Rate based on credit worthiness, term and other conditions
As Low As; Model Year: 2019-2023; Other terms and rates available. Please contact us for more information.
As Low As; Lowest possible APR with qualification
As Low As; Lowest possible APR with qualification
Amount Financed: Either 100% of NADA retail value, or the purchase price - whichever is lower.; Car loans can be re-financed at current new car rates within 3 months of original loan.; Pre-Approval: New car loans can be pre-approved for up to 90 days.
Vehicle age: 1 - 2 years old; Model Year: 2024 - 2025; Amount Financed: Either 100% of NADA retail value (plus or minus for mileage), or the purchase price - whichever is lower
As Low As; New and Used Auto APR as low as*
Tier 1 (710+); Model Year: New-2026; LTV: 100%; Auto pay from CSC account earns .25% discount; Motorcycle, ATC, UTV, camper, boat, trailer and snowmobile add 1.00% to rate
As Low As; Model Year: New 2026 - 2024 (Untitled)
As Low As; Model Year: New 2026 - 2024 (Untitled)
As Low As; Model Year: New 2026 - 2024 (Untitled)
As Low As; Standard rate
As Low As; Standard rate
As Low As; Best APR 2.99%; APR 4.49%; Loyalty Rewards discount of up to 1.50% available
As Low As; Requires direct deposit with Parda Federal Credit Union; for qualified borrowers; rate and term may vary based on credit score, year of collateral and loan-to-value
Used vehicles, 2024 model year or newer; 700 credit score and above; maximum LTV 115%; dealer purchases only; minimum loan $20,000; effective October 1 - December 31, 2026
As Low As; APR
As Low As; Promo: More Holiday Joy. Less Holiday Stress.; Used vehicles, up to 72 months; 2024 model year or newer; APR
As Low As; APR; Rates are based on applicant's credit worthiness; Your actual rate may vary
As Low As; w/ Auto Pay Discount: as low as 4.39%
As Low As; Model Year: 2025 & newer; Rates Effective: 10/13/2026; Rates based on credit score, term and model year
Effective 11/01/2025
Effective 11/01/2025
Effective 11/01/2025
Effective 11/01/2025
Effective 11/01/2025
Effective 11/01/2025
As Low As; Model Year: 2026-2022; Effective August 4, 2026; APR = Annual Percentage Rate
As Low As; Maximum: Retail Value
APR range: 4.50% - 11.00% APR*
APR range 4.50% - 11.00%; JD Power Book Price - 90% Financed
Rate range: 4.50% - 11.00% APR*; 100% Financed
As Low As; Minimum: $5,000; Rates effective April 23, 2026; APR*
All model years with approved value
Autos 12 years old or newer
As Low As; Vehicle Model Years: All Years; Effective Date: October 02, 2026
As Low As; Rate as low as 2.990%; APR as low as 2.990%; The above rates apply with automatic payment from the PSFCU Checking Account; rates are 0.25% higher without automatic payment
As Low As; Rate as low as 2.990%; APR as low as 2.990%; The above rates apply with automatic payment from the PSFCU Checking Account; rates are 0.25% higher without automatic payment
As Low As; Rate as low as 2.990%; APR as low as 2.990%; The above rates apply with automatic payment from the PSFCU Checking Account; rates are 0.25% higher without automatic payment
As Low As; Rate as low as 2.990%; APR as low as 2.990%; The above rates apply with automatic payment from the PSFCU Checking Account; rates are 0.25% higher without automatic payment
Rate range: 3.25% - 8.00% APR*
Rate range: 3.25% -8.25% APR*
Rate range: 3.25% - 8.00% APR; Vehicle Loans - New Vehicles
Rate range: 3.25% -8.25% APR; Vehicle Loans - New Vehicles
As Low As
As Low As; Rates reflect 0.50% discount for Automatic Payment
As Low As; Rates reflect 0.50% discount for Automatic Payment; Effective 10/19/2026
As Low As; Evergreen Advantage rate discount; qualifies with E-Statements, Full Direct Deposit, Checking Account, Western PA Visa Credit Card (up to 1.00% total discount)
As Low As; Evergreen Advantage rate discount; qualifies with E-Statements, Full Direct Deposit, Checking Account, Western PA Visa Credit Card (up to 1.00% total discount)
Published APR range: 3.490% - 8.990%. Zero Down Payment
Published APR range: 3.490% - 9.240%. Zero Down Payment
Rate range: 3.50% - 9.00% APR*
Rate range: 3.50% - 9.00% APR; Vehicle Loans - New Vehicles
As Low As; New Vehicle
As Low As; Rate as low as 3.500%; APR as low as 3.500%; The above rates apply with automatic payment from the PSFCU Checking Account; rates are 0.25% higher without automatic payment
As Low As; Evergreen Advantage rate discount; qualifies with E-Statements, Full Direct Deposit, Checking Account, Western PA Visa Credit Card (up to 1.00% total discount)
As Low As; Model Years: 2024 - 2026; Effective as of August 26, 2026
As Low As; Evergreen Advantage rate discount; qualifies with E-Statements, Full Direct Deposit, Checking Account, Western PA Visa Credit Card (up to 1.00% total discount)
Rate range: 3.75% - 9.75% APR*
Rate range: 3.75% - 9.75% APR; Vehicle Loans - New Vehicles
As Low As; Evergreen Advantage rate discount; qualifies with E-Statements, Full Direct Deposit, Checking Account, Western PA Visa Credit Card (up to 1.00% total discount)
As Low As; w/ Auto Pay Discount; Rates are based on applicant's credit worthiness; Your actual rate may vary
Max Limit: $45,000.00
As Low As; Rates reflect 0.50% discount for Automatic Payment; Effective 10/19/2026
As Low As; Lowest possible APR with qualification
As Low As; Based on credit score; Loan amount: Up to 125% of the MSRP including tax, tags, warranties, and GAP Insurance; Rates are stated as low as best rate available for 36 Months. Rate will be determined and will increase based on term, score, and LTV.
As Low As; New Vehicles
As Low As; NEW Auto Loan Rates
New vehicle defined as 2026-2027 model year and never titled; 700 credit score and above; maximum LTV 115%; dealer purchases only; minimum loan $20,000; effective October 1 - December 31, 2026
$5,000; APR* As Low As; Daily Periodic Rate: 0.01093%
$5,000; APR* As Low As; Daily Periodic Rate: 0.01093%
As Low As; APR; Rates are based on applicant's credit worthiness; Your actual rate may vary
Rate range: 4.00% - 10.75% APR*
Rate range: 4.00% - 10.75% APR; Vehicle Loans - New Vehicles
As Low As; Lower interest rate for 48 & 60 month terms only for New Vehicles with A+, A, & B scores; rate based on credit worthiness
As Low As; New Vehicle
Score: 730+; Grade of Paper: A+; Secured Advances
Score: 730+; Grade of Paper: A+; Secured Advances
APR range: 4.00 - 6.00%
Published rate range: 4.00%-14.05%. Rate range based on credit score; Maximum Amount to Borrow: $150,000.00
Published rate range: 4.00%-13.00%. Rate range based on credit score; Maximum Amount to Borrow: $150,000.00
Rate range: 4.00%-10.45%; Maximum amount to borrow: $150,000.00; Rate is based on credit score
Never been titled; Credit Score Key: A=700-799; A+ (800 and up) reduces A rate by .5 percent, not below 1.5%; Add .75% to all categories to increase term to 72 Months; Calculate additional .50% for vehicles with more than 100,000 miles
APR range: 4.00% - 6.00%; Rates Effective 11/20/2025
Vehicle: under 1,000 miles; Model Year: 2023-2026; $50,000 maximum
Vehicle: under 1,000 miles; Model Year: 2023-2026; $50,000 maximum
Published APR range: 4.000% - 10.250%. Zero Down Payment
As Low As; Model Year: 2023 and newer; Approximate; APR may vary with credit qualifications, collateral age, payment protection, and Direct Deposit with AutoPay from a Genisys account; 90 days no payment offer for credit scores of 660+, interest accrues
As Low As
As Low As; 2024 Model Year and Newer Vehicles; Loan limit - 90% of Manufacturers Suggested Retail Price or J.D. Power NADA suggested retail value; High mileage surcharge if mileage exceeds 15,000 miles per model year
As Low As; w/ Auto Pay Discount; Rates are based on applicant's credit worthiness; Your actual rate may vary
As Low As; Model Year: 2025 to 2026; Loan rates effective 08/20/2025
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles (late model used); Rates as of Oct 30, 2026 ET; Advertised APR assumes excellent credit
As Low As; Advertised APR assumes excellent borrower credit; Rates as of Oct 26, 2026 ET
As Low As; Rate disclosed includes .25% discount for automatic payment from a TCAFCU account; assumes less than 90% loan to value
As Low As; APR = Annual Percentage Rate; lowest rates assume less than 90% loan to value; includes .25% discount for automatic payment from a TCAFCU account
As Low As; Lowest possible APR with qualification
As Low As; Requires direct deposit with Parda Federal Credit Union; for qualified borrowers; rate and term may vary based on credit score, year of collateral and loan-to-value
As Low As; Model Year: 2022 and Newer (new or used); Daily Periodic Rate: 0.011616%
As Low As; APR; Rates are based on applicant's credit worthiness; Your actual rate may vary
Financing: 100%* (New); *Used Vehicle 60 and 84 month financing; certain restrictions may apply
Rate range: 4.25% - 11.00% APR*
Rate range: 4.25% - 11.00% APR; Vehicle Loans - New Vehicles
Score: 730+; Grade of Paper: A+; Secured Advances
As Low As; Model Years 2025 & Newer
As Low As; Model Year: 2025 to 2026; Loan rates effective 08/20/2025
80-90% NADA retail; APR range: 4.25 - 6.25%
As Low As; APR as low as
As Low As; APR as low as
As Low As; APR as low as
As Low As; Add .5% for 72 months for qualifying vehicles; Add 1.00% for 84 months for qualifying vehicles
Published rate range: 4.25%- 14.25%. Rate range based on credit score; Maximum Amount to Borrow: $150,000.00
80-90% NADA retail; APR range: 4.25% - 6.25%; Rates Effective 11/20/2025
As Low As; 100-80% LTV on Cars, Vans, Trucks, and Motorcycles; Never been Titled; Rates effective 10-15-2024; up to 120 days to refinance to receive New rate
As Low As; 110% Financing on Vehicles; This rate includes the .25% discount for Auto Pay; Effective Date: 05/01/2026
As Low As; w/ Auto Pay Discount; Rates are based on applicant's credit worthiness; Your actual rate may vary
Loan rate table: Interest Rate and APR columns
As Low As; 2024 Model Year and Newer Vehicles; Loan limit - 90% of Manufacturers Suggested Retail Price or J.D. Power NADA suggested retail value; High mileage surcharge if mileage exceeds 15,000 miles per model year
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
APR range: 4.49% to 6.49%; Up to 100% of price plus taxes and transfer fees.
As Low As; Rate disclosed includes .25% discount for automatic payment from a TCAFCU account; assumes less than 90% loan to value
As Low As; APR = Annual Percentage Rate; lowest rates assume less than 90% loan to value; includes .25% discount for automatic payment from a TCAFCU account
As Low As; Rates reflect 0.50% discount for Automatic Payment; Effective 10/19/2026
As Low As; GREAT RATES! FLEXIBLE TERMS! AVAILABLE 24/7!; Effective October 29, 2026
As Low As
As Low As
As Low As
As Low As; Tier 1: 710; Minimum credit score 620; Add 1.0 basis points if lower score approved; Possible extended term up to 6 months adds .50 basis points, not to exceed 72 months
As Low As; Lowest possible APR for vehicles 2022 & newer; Rate based on credit worthiness, term and other conditions
As Low As; Lowest possible APR for vehicles 2022 & newer; Rate based on credit worthiness, term and other conditions
As Low As; Lowest possible APR with qualification
Tier 1 (710+); Model Year: New-2026; LTV: 100%; Auto pay from CSC account earns .25% discount; Motorcycle, ATC, UTV, camper, boat, trailer and snowmobile add 1.00% to rate
As Low As; Model Year: New 2026 - 2024 (Untitled)
As Low As; Model Year: New 2026 - 2024 (Untitled)
As Low As; Model Year: New 2026 - 2024 (Untitled)
As Low As; Standard rate
As Low As; Standard rate
As Low As; Best APR 2.99%; APR 4.49%; Loyalty Rewards discount of up to 1.50% available
As Low As; Requires direct deposit with Parda Federal Credit Union; for qualified borrowers; rate and term may vary based on credit score, year of collateral and loan-to-value
As Low As; APR
As Low As; APR; Rates are based on applicant's credit worthiness; Your actual rate may vary
Effective 11/01/2025
Effective 11/01/2025
Effective 11/01/2025
Effective 11/01/2025
Effective 11/01/2025
Effective 11/01/2025
As Low As; Maximum: Retail Value
As Low As; Vehicle Model Years: All Years; Effective Date: October 02, 2026
Rate range: 3.50% - 9.00% APR*; Financing: 85% of JD Power Book Price; Vehicle age: 5 Years & Older
APR range: 3.50% - 9.00% APR*
APR range 3.50% - 9.00%; JD Power Book Price - 90% Financed
Rate range: 3.50% - 9.00% APR; 85% financed
Rate range: 3.50% - 9.00% APR*; 100% Financed
As Low As; Rates reflect 0.50% discount for Automatic Payment
As Low As; Model Year: 2027 - 2025; Rates reflect 0.50% Automatic Payment discount
As Low As; Model Year: 2027 - 2025; Rates effective 10/19/2026; 0.50% discount applies with automatic payment
As Low As; Evergreen Advantage program APR (up to 1.00% rate discount with qualifying services)
As Low As; Evergreen Advantage program APR (up to 1.00% rate discount with qualifying services)
Rate range: 3.75% - 9.50% APR*; Financing: 85% of JD Power Book Price; Vehicle age: 5 Years & Older
APR range: 3.75% - 9.50% APR*
APR range 3.75% - 9.50%; JD Power Book Price - 90% Financed
Rate range: 3.75% - 9.50% APR; 85% financed
Rate range: 3.75% - 9.50% APR*; 100% Financed
As Low As
As Low As; w/ Auto Pay Discount; Rates are based on applicant's credit worthiness; Your actual rate may vary
As Low As; Evergreen Advantage program APR (up to 1.00% rate discount with qualifying services)
As Low As; Rates 0.25% higher without automatic payment from PSFCU Checking Account
As Low As; Rates 0.25% higher without automatic payment from PSFCU Checking Account
As Low As; Rates 0.25% higher without automatic payment from PSFCU Checking Account
As Low As; Rates 0.25% higher without automatic payment from PSFCU Checking Account
$5,000; APR* As Low As; Daily Periodic Rate: 0.01093%
$5,000; APR* As Low As; Daily Periodic Rate: 0.01093%
As Low As; APR; Rates are based on applicant's credit worthiness; Your actual rate may vary
Rate range: 4.00% - 10.00% APR*; Financing: 85% of JD Power Book Price; Vehicle age: 5 Years & Older
APR range: 4.00% - 10.00% APR*
APR range 4.00% - 10.00%; JD Power Book Price - 90% Financed
Rate range: 4.00% - 10.00% APR; 85% financed
Rate range: 4.00% - 10.00% APR*; 100% Financed
Score: 730+; Grade of Paper: A+; Secured Advances
Score: 730+; Grade of Paper: A+; Secured Advances
Published rate range: 4.00%-14.05%. Rate range based on credit score; Maximum Amount to Borrow: $150,000.00
Published rate range: 4.00%-13.00%. Rate range based on credit score; Maximum Amount to Borrow: $150,000.00
As Low As; Model Year: 2023 and newer; Approximate; APR may vary with credit qualifications, collateral age, payment protection, and Direct Deposit with AutoPay from a Genisys account; 90 days no payment offer for credit scores of 660+, interest accrues
As Low As; Evergreen Advantage rate; Model year 2019 & Older; up to 1.00% total discount for E-Statements, Full Direct Deposit, Checking Account, Western PA Visa Credit Card
As Low As; Evergreen Advantage program APR (up to 1.00% rate discount with qualifying services)
As Low As; w/ Auto Pay Discount; Rates are based on applicant's credit worthiness; Your actual rate may vary
As Low As; Model Year: 2025 to 2026; Loan rates effective 08/20/2025
As Low As; Evergreen Advantage program APR (up to 1.00% rate discount with qualifying services)
As Low As; Requires direct deposit with Parda Federal Credit Union; for qualified borrowers; rate and term may vary based on credit score, year of collateral and loan-to-value
As Low As; Model Year: 2022 and Newer (new or used); Daily Periodic Rate: 0.011616%
As Low As; APR; Rates are based on applicant's credit worthiness; Your actual rate may vary
APR range: 4.25% - 10.50% APR*
APR range 4.25% - 10.50%; JD Power Book Price - 90% Financed
Rate range: 4.25% - 10.50% APR*; 100% Financed
Score: 730+; Grade of Paper: A+; Secured Advances
As Low As; Model Year: 2025 to 2026; Loan rates effective 08/20/2025
80-90% NADA retail; APR range: 4.25 - 6.25%
Fair Isaac Risk Score: 725-850; Vehicle: Never Titled; Used Vehicles - 36 months or less - 90% Financing
Published rate range: 4.25%- 14.25%. Rate range based on credit score; Maximum Amount to Borrow: $150,000.00
80-90% NADA retail; APR range: 4.25% - 6.25%; Rates Effective 11/20/2025
As Low As; w/ Auto Pay Discount; Rates are based on applicant's credit worthiness; Your actual rate may vary
As Low As; With terms up to 84 months; Rate includes .25% discount with Auto Pay; Effective Date: 05/01/2026
As Low As; Lowest possible APR with qualification
As Low As; Best APR 2.99%; APR 4.49%; Loyalty Rewards discount of up to 1.50% available
As Low As; Requires direct deposit with Parda Federal Credit Union; for qualified borrowers; rate and term may vary based on credit score, year of collateral and loan-to-value
Used vehicles, 2024 model year or newer; 700 credit score and above; maximum LTV 115%; dealer purchases only; minimum loan $20,000; effective October 1 - December 31, 2026
As Low As; Promo: More Holiday Joy. Less Holiday Stress.; Used vehicles, up to 72 months; 2024 model year or newer; APR
As Low As; APR; Rates are based on applicant's credit worthiness; Your actual rate may vary
APR range: 4.50% - 11.00% APR*
APR range 4.50% - 11.00%; JD Power Book Price - 90% Financed
Rate range: 4.50% - 11.00% APR*; 100% Financed
Compare local Russellton, PA auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Pennsylvania new auto rates rose 0.009 points over the past 7 days to 5.390% APR.
Pennsylvania used auto rates fell 0.013 points over the past 7 days to 6.208% APR.
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Pennsylvania figures.
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
Estimated monthly payments on a standard 60-month auto loan at today’s average Pennsylvania APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.39% APR PA average | Used Auto @ 6.21% APR PA average | Monthly Difference |
|---|---|---|---|
| $15,000 | $285.76/mo | $291.44/mo | $5.69/mo |
| $25,000 | $476.26/mo | $485.74/mo | $9.48/mo |
| $35,000 | $666.76/mo | $680.04/mo | $13.27/mo |
| $45,000 | $857.27/mo | $874.33/mo | $17.06/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
A preapproval from a bank or credit union serving Russellton, Pennsylvania locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
Credit unions consistently offer some of the lowest auto loan APRs in Pennsylvania. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $572 monthly car payment works out to roughly 16.3% of the median individual income in Russellton, Pennsylvania. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.
An auto loan isn’t the only way to finance a vehicle in Russellton, Pennsylvania, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1 to 3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0 to 2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Estimate your monthly payment on a new or used vehicle in Russellton, Pennsylvania. We’ve prefilled the APR with today’s PA new-auto average, or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Russellton, Pennsylvania auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Russellton, Pennsylvania directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Russellton, Pennsylvania. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in PA.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.
| Credit Tier | Score Range | New Car APR | Used Car APR | $25,000 Used, 60 Mo. |
|---|---|---|---|---|
| Super prime | 781 to 850 | 4.41% | 6.29% | $487/mo |
| Prime | 661 to 780 | 6.15% | 8.81% | $517/mo |
| Near prime | 601 to 660 | 9.71% | 13.93% | $581/mo |
| Subprime | 501 to 600 | 13.52% | 19.10% | $650/mo |
| Deep subprime | 300 to 500 | 16.11% | 21.62% | $685/mo |
Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.
A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.
A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.
A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.
A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.
These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.