Springtown, Pennsylvania Best Auto Loan Rates - October 2026
Brian McKay
Brian McKay
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Springtown, Pennsylvania auto loan rates from lenders serving Pennsylvania range from 2.99% to 4.50% APR, verified by MonitorBankRates as of October 13, 2026. Current auto loan rates in Springtown, Pennsylvania include United Federal Credit UnionUnited Federal Credit UnionA+5.0 ★Texas Ratio: 4.11% 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% offering New Auto Loan at 2.99%, Wyrope Williamsport Federal Credit UnionWyrope Williamsport Federal Credit UnionA+5.0 ★Texas Ratio: 2.49% offering Auto Loan at 3.00%, Bradford Area Federal Credit UnionBradford Area Federal Credit UnionA+5.0 ★Texas Ratio: 1.22% offering Vehicle Loan at 3.00%, First Choice Federal Credit UnionFirst Choice Federal Credit UnionA+5.0 ★Texas Ratio: 3.42% offering New Autos - Never Titled at 3.24%. Auto loan rates as of October 13, 2026 according to verified data from MonitorBankRates.
Springtown borrowers have access to 66 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 Springtown, Pennsylvania. Auto Loan Rates Last Updated and Verified: October 13, 2026
Compare Auto Loan Rates Today in Springtown, Pennsylvania & Surrounding Area
Springtown Auto Loan Rates
As Low As; Effective Date: October 02, 2026; Vehicle Model Years: All Years**
As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment
As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment
As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment
As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment
As Low As; Maximum Age of Vehicle: N/A; Maximum Mileage: N/A; Maximum LTV: 100%
As Low As; Maximum Age of Vehicle: 10 Years; Maximum Mileage: N/A; Maximum LTV: 100%
As Low As; Maximum Age of Vehicle: 10 Years; Maximum Mileage: 100,000; Maximum LTV: 125%
As Low As; Loan Type: Vehicles, Personal, Share Secured; .25% discount for Auto Transfer and .25% discount for Active Checking, Christmas Club, or Vacation Account (not for Share Secured Loans)
As Low As; Rates effective 01/01/2026
Published APR range: 3.25% - 8.00%.
Published APR range: 3.25% -8.25%.
As Low As; Loan Type: Vehicles, Personal, Share Secured; .25% discount for Auto Transfer and .25% discount for Active Checking, Christmas Club, or Vacation Account (not for Share Secured Loans)
As Low As; Auto & Recreational Loans
As Low As; Model Year: 2026 - 2024
As Low As; Model Year: 2024 & newer; Other terms and rates available. Please contact us for more information.
- Sep 25, 20263.49%▲ from 3.25%
- Sep 14, 20263.25%first recorded
As Low As; Evergreen Advantage rate
As Low As; Evergreen Advantage rate
Published APR range: 3.490% - 8.990%. Zero Down Payment
Published APR range: 3.490% - 9.240%. Zero Down Payment
Published APR range: 3.50% - 9.00%.
Published APR range: 3.50% - 9.00%. 90% Financed; JD Power Book Price; vehicles 3-4 years old
Published APR range: 3.50% - 9.00%. 85% Financed; JD Power Book Price
Published APR range: 3.50% - 9.00%. 85% Financed; JD Power Book Price; Vehicles 5 years & older
Published APR range: 3.50% - 9.00%. 100% Financed
As Low As
As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment
As Low As; Evergreen Advantage rate
As low as
As Low As; Rates effective 01/01/2026
As Low As; Evergreen Advantage rate
As Low As; Evergreen Advantage
As Low As; Evergreen Advantage
Published APR range: 3.75% - 9.75%.
Published APR range: 3.75% - 9.50%. 90% Financed; JD Power Book Price; vehicles 3-4 years old
Published APR range: 3.75% - 9.50%. 85% Financed; JD Power Book Price
Published APR range: 3.75% - 9.50%. 85% Financed; JD Power Book Price; Vehicles 5 years & older
Published APR range: 3.75% - 9.50%. 100% Financed
As Low As; Model Year: 2024 & newer; Other terms and rates available. Please contact us for more information.
- Sep 25, 20263.75%▲ from 3.49%
- Sep 14, 20263.49%first recorded
As low as 3.75% with Relationship Rewards
As Low As; Evergreen Advantage rate
As Low As; Auto & Recreational Loans
As Low As
As Low As; Rates subject to change.
As Low As; Evergreen Advantage
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
- Oct 13, 20263.95%▼ from 4.65%
- Sep 17, 20264.65%first recorded
As Low As; Displayed rates available to well-qualified applicants
- Oct 5, 20263.95%▼ from 4.65%
- Sep 17, 20264.65%first recorded
As Low As; Displayed rates available to well-qualified applicants
- Oct 5, 20263.95%▼ from 4.65%
- Sep 17, 20264.65%first recorded
As Low As; Displayed rates available to well-qualified applicants
- Oct 5, 20263.95%▼ from 4.99%
- Sep 17, 20264.99%first recorded
As Low As; Rate includes a 0.25% discount with Automatic Payment from a GE Credit Union account; Finance 100% of purchase price
As Low As; Rate includes a 0.25% discount with Automatic Payment from a GE Credit Union account; Finance 100% of purchase price
Model Years 2024-2026; lowest possible APR with qualification
As Low As; New Vehicles
As Low As; NEW Auto Loan Rates
- Oct 5, 20263.99%▼ from 4.40%
- Sep 14, 20264.40%first recorded
As Low As; USED Auto Loan Rates
- Oct 5, 20263.99%▼ from 4.99%
- Sep 14, 20264.99%first recorded
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
As Low As; 3.99% for up to 72 months on new vehicles; New Vehicle is defined as 2026-2027 AND never been titled; *APR=Annual Percentage Rate
As Low As; PROMO: MORE HOLIDAY JOY. LESS HOLIDAY STRESS.; NEW, UP TO 72 MONTHS; *APR=Annual Percentage Rate; 3.99% for up to 72 months on new vehicles (New Vehicle defined as 2026-2027 and never titled)
$5,000; As Low As; New; Daily Periodic Rate: 0.01093%
$5,000; As Low As; New; Daily Periodic Rate: 0.01093%
As Low As; Auto Pay Discount: 3.89%
Published APR range: 4.00% - 10.75%.
Published APR range: 4.00% - 10.00%. 90% Financed; JD Power Book Price; vehicles 3-4 years old
Published APR range: 4.00% - 10.00%. 85% Financed; JD Power Book Price
Published APR range: 4.00% - 10.00%. 85% Financed; JD Power Book Price; Vehicles 5 years & older
Published APR range: 4.00% - 10.00%. 100% Financed
As Low As; Model Year: 2026, 2025 New; Lower rate for 48 & 60 month terms only offered for New Vehicles with A+, A, & B scores
As Low As
As Low As; Maximum Age of Vehicle: 10 Years; Maximum Mileage: 150,000; Maximum LTV: 125%
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
As Low As; Loan Type: Vehicles, Personal, Share Secured; .25% discount for Auto Transfer and .25% discount for Active Checking, Christmas Club, or Vacation Account (not for Share Secured Loans)
Published APR range: 4.00 - 6.00%.
Published rate range: 4.00%-14.05%. Rate based on credit score; Maximum amount to borrow $150,000.00
- Oct 9, 20264.00%▲ from 3.75%
- Sep 17, 20263.75%first recorded
Published rate range: 4.00%-13.00%. Rate based on credit score; Maximum amount to borrow $150,000.00
- Oct 9, 20264.00%▲ from 3.75%
- Sep 17, 20263.75%first recorded
Published rate range: 4.00%-10.45%. Maximum Amount to Borrow: $150,000.00
- Oct 9, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Credit Grade: A; Never been titled; Add .75% to all categories for 72 months; Add .50% for vehicles over 100,000 miles
Published rate range: 4.00% - 6.00%.
Published APR range: 4.000% - 10.250%. Zero Down Payment
Model Year: 2023 and newer; 87 month term requires minimum financed amount of $25,000.; 73-84 month term requires minimum financed amount of $25,000.; Annual Percentage Rate (APR) and terms may vary depending upon credit qualifications, age of collateral, payment protection package, and Direct Deposit of payroll, social security or retirement with AutoPay set up from a Genisys checking or savings account. Approximate monthly payment would be04% for 36 months.; 90 days no payment offer available to credit scores of 660 and higher. Interest accrues during the deferral period.
As low as
As Low As; Auto & Recreational Loans
As Low As; *APR
- Oct 4, 20264.10%▲ from 4.00%
- Sep 12, 20264.00%first recorded
Additional APR listed for this product: 6.40%. As Low As; *
As Low As; Evergreen Advantage rate (includes up to 1.00% loyalty discount)
As Low As; Evergreen Advantage
As Low As; Model Year: 2025 to 2026; New or Used Vehicles
As Low As; Rate includes .25% discount for automatic payment from a TCAFCU account
As Low As; Model Year: 2027-2025; Rate includes .25% discount for automatic payment from a TCAFCU account
Model Year: 2018-2027; Rates include 0.50% discount for automatic payments from an active WBVFCU account and monthly direct deposit
Model Year: 2018-2027; Minimum loan $20,000; Rates include 0.50% discount for automatic payments from an active WBVFCU account and monthly direct deposit
As Low As; Rates effective 01/01/2026
Model Years 2024-2026; lowest possible APR with qualification
As Low As; Evergreen Advantage
As Low As; Daily Periodic Rate: 0.011616%; Model Year: 2022 and Newer (new or used)
As Low As; Auto Pay Discount: 4.14%
Financing %: 100%* (New)
Published APR range: 4.25% - 11.00%.
Published APR range: 4.25% - 10.50%. 90% Financed; JD Power Book Price; vehicles 3-4 years old
Published APR range: 4.25% - 10.50%. 100% Financed
As Low As; Rates shown include 0.25% reduction for automatic debit of loan payments
Model Year: 2024 - 2026 models
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
As Low As; Displayed rates available to well-qualified applicants
- Oct 5, 20264.25%▼ from 4.99%
- Sep 17, 20264.99%first recorded
As Low As; Model Year: 2024 & newer; Other terms and rates available. Please contact us for more information.
- Sep 25, 20264.25%▲ from 3.99%
- Sep 17, 20263.99%first recorded
As Low As; Model Year: 2019-2023; Other terms and rates available. Please contact us for more information.
- Sep 25, 20264.25%▲ from 3.99%
- Sep 17, 20263.99%▲ from 3.25%
- Sep 14, 20263.25%first recorded
As Low As; Model Year: 2025 to 2026; New or Used Vehicles
Published APR range: 4.25 - 6.25%. 80-90% NADA retail
As Low As
As Low As
As Low As
Fair Isaac Risk Score: 725-850; Model Year: Never Titled; 90% Financing
As Low As; Add .5% for 72 months for qualifying vehicles; Add 1.00% for 84 months for qualifying vehicles; Other terms and conditions may apply
Published rate range: 4.25%- 14.25%. Rate based on credit score; Maximum amount to borrow $150,000.00
- Oct 9, 20264.25%▲ from 4.00%
- Sep 17, 20264.00%first recorded
Term: Up to 36 months 80-90% NADA retail; Published rate range: 4.25% - 6.25%.
As Low As
As Low As; Rates subject to change.
As Low As; New and Used Auto APR
As Low As; Additional discounts may apply
As Low As; *APR
- Oct 4, 20264.35%▲ from 4.25%
- Sep 12, 20264.25%first recorded
As Low As; Model Year: 2026 - 2024
As Low As; 110% Financing on Vehicles; Includes .25% discount for Auto Pay; Effective Date: 05/01/2026
Additional APR listed for this product: 6.65%. As Low As; *
As Low As; Includes the .25% discount with Auto Pay; Effective Date: 05/01/2026
As Low As; Rate includes .25% discount for automatic payment from a TCAFCU account
As Low As; Model Year: 2027-2025; Rate 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 an active WBVFCU account and monthly direct deposit
As Low As; Rates effective 01/01/2026
As Low As; Rates effective 01/01/2026
As Low As; GREAT RATES! FLEXIBLE TERMS! AVAILABLE 24/7!
As Low As
As Low As
As Low As
As Low As; Credit Score 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 this auto loan; rate based on credit worthiness, term and other conditions; .25% discount available with auto payment enrollment
As Low As; lowest possible APR for this auto loan; rate based on credit worthiness, term and other conditions; .25% discount available with auto payment enrollment
As Low As; Model Year: 2019-2023; Other terms and rates available. Please contact us for more information.
- Sep 25, 20264.49%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Model Years 2024-2026; lowest possible APR with qualification
Model Years 2021-2023; 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.
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
Credit Tier: Tier 1 (710+); Model Year: New-2026; LTV: 100%; Autopay discount .25%; Motorcycle/ATC/UTV/camper/boat/trailer/snowmobile add 1.00%; Effective February 6, 2025
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
- Oct 13, 20264.49%▲ from 3.49%
- Oct 9, 20263.49%▼ from 4.49%
- Sep 18, 20264.49%first recorded
As Low As; Standard rate
- Oct 13, 20264.49%▲ from 3.49%
- Oct 9, 20263.49%▼ from 4.49%
- Sep 18, 20264.49%first recorded
As Low As; Best APR; APR (Annual Percentage Rate) 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
Promotional rate Oct 1 - Dec 31, 2026; Used vehicles 2024 model year or newer; 700 credit score and above; dealer purchases only; minimum loan $20,000; max LTV 115%
As Low As
As Low As; Rate assumes loan to value of 100% or less and term of 60 months or less. Not all borrowers will qualify for the lowest interest rate.
As Low As; Auto Pay Discount: 4.39%
Loan Amount: $5,000 min; APR* as low as**
As Low As; Maximum: Retail Value
Published APR range: 4.50% - 11.00%. 90% Financed; JD Power Book Price; vehicles 3-4 years old
Published APR range: 4.50% - 11.00%. 100% Financed
All model years with approved value
Autos 12 years old or newer
As Low As; Model Year: 2026, 2025 New; Lower rate for 48 & 60 month terms only offered for New Vehicles with A+, A, & B scores
As Low As; Rates shown include 0.25% reduction for automatic debit of loan payments
Model Year: 2024 - 2026 models
As Low As
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
- Oct 13, 20264.50%▼ from 6.50%
- Sep 17, 20266.50%first recorded
Score: 680 - 729; Grade of Paper: A; Effective October 1, 2026
Score: 680 - 729; Grade of Paper: A; Effective October 1, 2026
Model Year: 2027, 2026 (mileage under 20,000); Maximum loan: Credit score under 650: 95% of vehicle selling price before manufacturer rebates (new) or 95% of NADA retail value (used); Credit score 650-699: 100% of vehicle selling price before manufacturer rebates (new) or 95% of NADA retail value (used); Credit score 700+: 100% of total out-the-door price (new) or 100% of NADA retail value (used)
As Low As; Vehicle: New
As Low As; Valid on New 2025 and 2026 vehicle and motorcycle loans less than 10,000 miles
As Low As; Displayed rates available to well-qualified applicants
- Oct 5, 20264.50%▼ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Displayed rates available to well-qualified applicants
- Oct 5, 20264.50%▼ from 5.25%
- Sep 14, 20265.25%first recorded
As Low As; Loan Type: Vehicles, Personal, Share Secured; .25% discount for Auto Transfer and .25% discount for Active Checking, Christmas Club, or Vacation Account (not for Share Secured Loans)
Published APR range: 4.50 - 6.50%. 100% MSRP
Published APR range: 4.50 - 6.50%. 80-90% NADA retail
Fair Isaac Risk Score: 725-850; Model Year: Used 2026-2025; 90% Financing
Published rate range: 4.50%- 12.75%. Rate based on credit score; Maximum amount to borrow $150,000.00
- Oct 9, 20264.50%▲ from 4.25%
- Sep 17, 20264.25%first recorded
As Low As; Rates 0.25% higher without automatic payment from PSFCU Checking Account
Term: 48 to 60 months 100% MSRP; Published rate range: 4.50% - 6.50%.
Term: 48 to 60 months 80-90% NADA retail; Published rate range: 4.50% - 6.50%.
Credit Score: 750+
Springtown New Auto Auto Loan Rates
As Low As; Effective Date: October 02, 2026; Vehicle Model Years: All Years**
As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment
As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment
As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment
As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment
As Low As; Rates effective 01/01/2026
Published APR range: 3.25% - 8.00%.
Published APR range: 3.25% -8.25%.
As Low As; Auto & Recreational Loans
As Low As; Evergreen Advantage rate
As Low As; Evergreen Advantage rate
Published APR range: 3.490% - 8.990%. Zero Down Payment
Published APR range: 3.490% - 9.240%. Zero Down Payment
Published APR range: 3.50% - 9.00%.
As Low As
As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment
As Low As; Evergreen Advantage rate
As low as
As Low As; Rates effective 01/01/2026
As Low As; Evergreen Advantage rate
Published APR range: 3.75% - 9.75%.
As Low As; Evergreen Advantage rate
As Low As
As Low As; Rates subject to change.
As Low As; Displayed rates available to well-qualified applicants
- Oct 5, 20263.95%▼ from 4.65%
- Sep 17, 20264.65%first recorded
As Low As; Displayed rates available to well-qualified applicants
- Oct 5, 20263.95%▼ from 4.65%
- Sep 17, 20264.65%first recorded
As Low As; Displayed rates available to well-qualified applicants
- Oct 5, 20263.95%▼ from 4.99%
- Sep 17, 20264.99%first recorded
Model Years 2024-2026; lowest possible APR with qualification
As Low As; New Vehicles
As Low As; NEW Auto Loan Rates
- Oct 5, 20263.99%▼ from 4.40%
- Sep 14, 20264.40%first recorded
As Low As; 3.99% for up to 72 months on new vehicles; New Vehicle is defined as 2026-2027 AND never been titled; *APR=Annual Percentage Rate
As Low As; PROMO: MORE HOLIDAY JOY. LESS HOLIDAY STRESS.; NEW, UP TO 72 MONTHS; *APR=Annual Percentage Rate; 3.99% for up to 72 months on new vehicles (New Vehicle defined as 2026-2027 and never titled)
As Low As; Auto Pay Discount: 3.89%
Published APR range: 4.00% - 10.75%.
As Low As; Model Year: 2026, 2025 New; Lower rate for 48 & 60 month terms only offered for New Vehicles with A+, A, & B scores
As Low As
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
Published APR range: 4.00 - 6.00%.
Published rate range: 4.00%-14.05%. Rate based on credit score; Maximum amount to borrow $150,000.00
- Oct 9, 20264.00%▲ from 3.75%
- Sep 17, 20263.75%first recorded
Published rate range: 4.00%-13.00%. Rate based on credit score; Maximum amount to borrow $150,000.00
- Oct 9, 20264.00%▲ from 3.75%
- Sep 17, 20263.75%first recorded
Published rate range: 4.00%-10.45%. Maximum Amount to Borrow: $150,000.00
- Oct 9, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Credit Grade: A; Never been titled; Add .75% to all categories for 72 months; Add .50% for vehicles over 100,000 miles
Published rate range: 4.00% - 6.00%.
Published APR range: 4.000% - 10.250%. Zero Down Payment
Model Year: 2023 and newer; 87 month term requires minimum financed amount of $25,000.; 73-84 month term requires minimum financed amount of $25,000.; Annual Percentage Rate (APR) and terms may vary depending upon credit qualifications, age of collateral, payment protection package, and Direct Deposit of payroll, social security or retirement with AutoPay set up from a Genisys checking or savings account. Approximate monthly payment would be04% for 36 months.; 90 days no payment offer available to credit scores of 660 and higher. Interest accrues during the deferral period.
As low as
As Low As; Auto & Recreational Loans
As Low As; *APR
- Oct 4, 20264.10%▲ from 4.00%
- Sep 12, 20264.00%first recorded
Additional APR listed for this product: 6.40%. As Low As; *
As Low As; Model Year: 2025 to 2026; New or Used Vehicles
As Low As; Rate includes .25% discount for automatic payment from a TCAFCU account
As Low As; Model Year: 2027-2025; Rate includes .25% discount for automatic payment from a TCAFCU account
As Low As; Rates effective 01/01/2026
Model Years 2024-2026; lowest possible APR with qualification
As Low As; Daily Periodic Rate: 0.011616%; Model Year: 2022 and Newer (new or used)
As Low As; Auto Pay Discount: 4.14%
Financing %: 100%* (New)
Published APR range: 4.25% - 11.00%.
As Low As; Rates shown include 0.25% reduction for automatic debit of loan payments
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
As Low As; Displayed rates available to well-qualified applicants
- Oct 5, 20264.25%▼ from 4.99%
- Sep 17, 20264.99%first recorded
As Low As; Model Year: 2025 to 2026; New or Used Vehicles
Published APR range: 4.25 - 6.25%. 80-90% NADA retail
As Low As
As Low As
As Low As
As Low As; Add .5% for 72 months for qualifying vehicles; Add 1.00% for 84 months for qualifying vehicles; Other terms and conditions may apply
Published rate range: 4.25%- 14.25%. Rate based on credit score; Maximum amount to borrow $150,000.00
- Oct 9, 20264.25%▲ from 4.00%
- Sep 17, 20264.00%first recorded
Term: Up to 36 months 80-90% NADA retail; Published rate range: 4.25% - 6.25%.
As Low As
As Low As; Rates subject to change.
As Low As; *APR
- Oct 4, 20264.35%▲ from 4.25%
- Sep 12, 20264.25%first recorded
As Low As; 110% Financing on Vehicles; Includes .25% discount for Auto Pay; Effective Date: 05/01/2026
Additional APR listed for this product: 6.65%. As Low As; *
As Low As; Rate includes .25% discount for automatic payment from a TCAFCU account
As Low As; Model Year: 2027-2025; Rate includes .25% discount for automatic payment from a TCAFCU account
As Low As; Rates effective 01/01/2026
As Low As; GREAT RATES! FLEXIBLE TERMS! AVAILABLE 24/7!
As Low As
As Low As
As Low As
As Low As; Credit Score 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 this auto loan; rate based on credit worthiness, term and other conditions; .25% discount available with auto payment enrollment
As Low As; lowest possible APR for this auto loan; rate based on credit worthiness, term and other conditions; .25% discount available with auto payment enrollment
Model Years 2024-2026; lowest possible APR with qualification
Credit Tier: Tier 1 (710+); Model Year: New-2026; LTV: 100%; Autopay discount .25%; Motorcycle/ATC/UTV/camper/boat/trailer/snowmobile add 1.00%; Effective February 6, 2025
As Low As; Standard rate
- Oct 13, 20264.49%▲ from 3.49%
- Oct 9, 20263.49%▼ from 4.49%
- Sep 18, 20264.49%first recorded
As Low As; Standard rate
- Oct 13, 20264.49%▲ from 3.49%
- Oct 9, 20263.49%▼ from 4.49%
- Sep 18, 20264.49%first recorded
As Low As; Best APR; APR (Annual Percentage Rate) 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
As Low As
As Low As; Rate assumes loan to value of 100% or less and term of 60 months or less. Not all borrowers will qualify for the lowest interest rate.
As Low As; Auto Pay Discount: 4.39%
Loan Amount: $5,000 min; APR* as low as**
As Low As; Maximum: Retail Value
As Low As; Model Year: 2026, 2025 New; Lower rate for 48 & 60 month terms only offered for New Vehicles with A+, A, & B scores
As Low As; Rates shown include 0.25% reduction for automatic debit of loan payments
As Low As
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
- Oct 13, 20264.50%▼ from 6.50%
- Sep 17, 20266.50%first recorded
Score: 680 - 729; Grade of Paper: A; Effective October 1, 2026
Score: 680 - 729; Grade of Paper: A; Effective October 1, 2026
As Low As; Valid on New 2025 and 2026 vehicle and motorcycle loans less than 10,000 miles
Published APR range: 4.50 - 6.50%. 100% MSRP
Published APR range: 4.50 - 6.50%. 80-90% NADA retail
Published rate range: 4.50%- 12.75%. Rate based on credit score; Maximum amount to borrow $150,000.00
- Oct 9, 20264.50%▲ from 4.25%
- Sep 17, 20264.25%first recorded
Term: 48 to 60 months 100% MSRP; Published rate range: 4.50% - 6.50%.
Term: 48 to 60 months 80-90% NADA retail; Published rate range: 4.50% - 6.50%.
Credit Score: 750+
Springtown Used Auto Auto Loan Rates
As Low As; Effective Date: October 02, 2026; Vehicle Model Years: All Years**
As Low As; Model Year: 2026 - 2024
Published APR range: 3.50% - 9.00%. 90% Financed; JD Power Book Price; vehicles 3-4 years old
Published APR range: 3.50% - 9.00%. 85% Financed; JD Power Book Price
Published APR range: 3.50% - 9.00%. 85% Financed; JD Power Book Price; Vehicles 5 years & older
Published APR range: 3.50% - 9.00%. 100% Financed
As Low As; Evergreen Advantage
As Low As; Evergreen Advantage
Published APR range: 3.75% - 9.50%. 90% Financed; JD Power Book Price; vehicles 3-4 years old
Published APR range: 3.75% - 9.50%. 85% Financed; JD Power Book Price
Published APR range: 3.75% - 9.50%. 85% Financed; JD Power Book Price; Vehicles 5 years & older
Published APR range: 3.75% - 9.50%. 100% Financed
As Low As; Auto & Recreational Loans
As Low As; Evergreen Advantage
As Low As; USED Auto Loan Rates
- Oct 5, 20263.99%▼ from 4.99%
- Sep 14, 20264.99%first recorded
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
As Low As; Auto Pay Discount: 3.89%
Published APR range: 4.00% - 10.00%. 90% Financed; JD Power Book Price; vehicles 3-4 years old
Published APR range: 4.00% - 10.00%. 85% Financed; JD Power Book Price
Published APR range: 4.00% - 10.00%. 85% Financed; JD Power Book Price; Vehicles 5 years & older
Published APR range: 4.00% - 10.00%. 100% Financed
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
Published rate range: 4.00%-14.05%. Rate based on credit score; Maximum amount to borrow $150,000.00
- Oct 9, 20264.00%▲ from 3.75%
- Sep 17, 20263.75%first recorded
Published rate range: 4.00%-13.00%. Rate based on credit score; Maximum amount to borrow $150,000.00
- Oct 9, 20264.00%▲ from 3.75%
- Sep 17, 20263.75%first recorded
As Low As; Evergreen Advantage rate (includes up to 1.00% loyalty discount)
As Low As; Evergreen Advantage
As Low As; Evergreen Advantage
As Low As; Auto Pay Discount: 4.14%
Published APR range: 4.25% - 10.50%. 90% Financed; JD Power Book Price; vehicles 3-4 years old
Published APR range: 4.25% - 10.50%. 100% Financed
Model Year: 2024 - 2026 models
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
Published APR range: 4.25 - 6.25%. 80-90% NADA retail
Fair Isaac Risk Score: 725-850; Model Year: Never Titled; 90% Financing
Published rate range: 4.25%- 14.25%. Rate based on credit score; Maximum amount to borrow $150,000.00
- Oct 9, 20264.25%▲ from 4.00%
- Sep 17, 20264.00%first recorded
Term: Up to 36 months 80-90% NADA retail; Published rate range: 4.25% - 6.25%.
As Low As; Model Year: 2026 - 2024
As Low As; Includes the .25% discount with Auto Pay; Effective Date: 05/01/2026
As Low As; Rates effective 01/01/2026
Model Years 2021-2023; lowest possible APR with qualification
As Low As; Best APR; APR (Annual Percentage Rate) 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
Promotional rate Oct 1 - Dec 31, 2026; Used vehicles 2024 model year or newer; 700 credit score and above; dealer purchases only; minimum loan $20,000; max LTV 115%
As Low As; Auto Pay Discount: 4.39%
Published APR range: 4.50% - 11.00%. 90% Financed; JD Power Book Price; vehicles 3-4 years old
Published APR range: 4.50% - 11.00%. 100% Financed
Model Year: 2024 - 2026 models
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
- Oct 13, 20264.50%▼ from 6.50%
- Sep 17, 20266.50%first recorded
Score: 680 - 729; Grade of Paper: A; Effective October 1, 2026
Score: 680 - 729; Grade of Paper: A; Effective October 1, 2026
Published APR range: 4.50 - 6.50%. 80-90% NADA retail
Fair Isaac Risk Score: 725-850; Model Year: Used 2026-2025; 90% Financing
Published rate range: 4.50%- 12.75%. Rate based on credit score; Maximum amount to borrow $150,000.00
- Oct 9, 20264.50%▲ from 4.25%
- Sep 17, 20264.25%first recorded
As Low As; Rates 0.25% higher without automatic payment from PSFCU Checking Account
Term: 48 to 60 months 80-90% NADA retail; Published rate range: 4.50% - 6.50%.
Credit Score: 750+
Springtown, PA Auto Loan Rate Trends
Compare local Springtown, 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 0.035 points over the past 7 days to 5.320% APR.
Pennsylvania used auto rates rose 0.058 points over the past 7 days to 6.182% APR.
Springtown, PA Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Pennsylvania figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Pennsylvania APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.32% APR PA average | Used Auto @ 6.18% APR PA average | Monthly Difference |
|---|---|---|---|
| $15,000 | $285.27/mo | $291.26/mo | $5.99/mo |
| $25,000 | $475.46/mo | $485.44/mo | $9.98/mo |
| $35,000 | $665.64/mo | $679.61/mo | $13.97/mo |
| $45,000 | $855.82/mo | $873.79/mo | $17.96/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in Springtown, Pennsylvania
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Springtown, 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.
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Pennsylvania. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
- Saving up for a bigger down payment: park it in a Springtown, Pennsylvania high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Springtown, Pennsylvania CD rates lock in a guaranteed return until you’re ready to buy
Pennsylvania Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau (state-level data shown; city data not available)
A $571 monthly car payment works out to roughly 14.7% of the median individual income in Pennsylvania. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Springtown, Pennsylvania, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1 to 3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0 to 2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Springtown, 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.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Springtown, 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 Springtown, 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 Springtown, Pennsylvania. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in PA.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Bad Credit Auto Loans in Springtown, Pennsylvania
You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.
| 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.
Get Preapproved Before the Dealer
A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.
Put More Money Down
A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.
Keep the Term Short
A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.
Add a Cosigner
A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.
Be Careful With Buy Here Pay Here
These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.
Frequently Asked Questions about Auto Loans in Springtown, Pennsylvania
How does my credit score affect my car loan rate in Pennsylvania?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
Should I get preapproved for an auto loan before visiting a dealer in Springtown, Pennsylvania?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
Can I get an auto loan with bad credit in Springtown, Pennsylvania?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Springtown, Pennsylvania?
- United Federal Credit Union: 2.99% (Fixed Rate New & Used Auto Loans)
- Polish And Slavic Federal Credit Union: 2.99% (New Auto Loan)
- Wyrope Williamsport Federal Credit Union: 3.00% (Auto Loan)
- Bradford Area Federal Credit Union: 3.00% (Vehicle Loan)
- First Choice Federal Credit Union: 3.24% (New Autos - Never Titled)
Springtown, Pennsylvania Rates & Resources
