Wilkes Barre, PA Best Auto Loan Rates - September 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current auto loan rates in Wilkes Barre, Pennsylvania include Corner Post Federal Credit UnionCorner Post Federal Credit Union566 S Main St, Wilkes Barre, PA, 18701 2102A+5.0 ★Texas Ratio: 0.59% offering New Vehicles Loan at 3.25%, VANTAGE TRUSTVANTAGE TRUST247 WILKES BARRE TOWNSHIP BLVD, WILKES BARRE, PA, 18702 6705A+5.0 ★Texas Ratio: 4.93% offering New Vehicle Loan - 36 Months at 3.49%, Citymark Federal Credit UnionCitymark Federal Credit Union40 E Market St, Wilkes Barre, PA, 18711A+5.0 ★Texas Ratio: 4.07% offering New Car Loan at 3.99%, Cross Valley Federal Credit UnionCross Valley Federal Credit Union640 Baltimore Dr, Wilkes Barre, PA, 18702 7943A+5.0 ★Texas Ratio: 2.91% offering New / Used 2021-2026 Auto Loan at 4.19%, Choice One Community Federal Credit UnionChoice One Community Federal Credit Union101 Hazle St, Wilkes Barre, PA, 18702 4305A-5.0 ★Texas Ratio: 14.31% offering New Car Loan at 4.39%. Auto loan rates as of September 16, 2026 according to verified data from MonitorBankRates.
Wilkes Barre has 10 local institutions in our database, with auto loan rates as low as 3.25% APR from Corner Post Federal Credit Union at 566 S Main St, Wilkes Barre, PA, 18701 2102. 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 Wilkes Barre, Pennsylvania. Auto Loan Rates Last Updated and Verified: September 16, 2026
Compare Auto Loan Rates Today in Wilkes Barre, Pennsylvania & Surrounding Area
Wilkes Barre Auto Loan Rates
APR*
APR*
Zero Down Payment
Zero Down Payment
APR*
APR*
APR range: 3.50% - 9.00% APR*
APR*
APR*
APR*
APR range: 3.75% - 9.50% APR*
APR*
As low as 3.99%* (based on credit score)
As low as; (based on credit score); Loan Amount: Up to 125% of the NADA value.
Zero Down Payment
APR*
APR*
APR range: 4.00% - 10.00% APR*
APR*
APR*
APR*
APR*
1
1
1
As Low As; This rate includes the .25% discount for Auto Pay.
1
2
2
As Low As; This rate includes the .25% discount with Auto Pay.
As Low As; This rate includes the .25% discount with Auto Pay.
Zero Down Payment
2022 - NEWER
APR*
APR*
1
2022 - NEWER**
APR*
2
2
APR based on 60 months and $45,000; For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
APR based on 60 months and $30,000; For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
2
Model Year: 2026-2025
Model Year: 2025-2024
Model Year: 2023
Model Year: 2026-2025
Model Year: 2025-2024
Model Year: 2022
Model Year: 2023
Model Year: 2022
Model Year: 2026-2025
Model Year: 2025-2024
Model Year: 2023
Rates assume payments will be automatically deducted from an NBT Bank checking or money market account. Add .50% to the rate if the automatic payment feature is not selected. To qualify for this rate, the minimum loan amount is $5,000, minimum credit score is 730. Lowest APR available on approved credit. Your actual APR may vary. The APR is based on borrower credit profile (as reported to NBT Bank by an outside reporting agency), collateral type, loan amount, term, lien position, and loan to value ratio. APR shown is current as of 07/20/2026 and is subject to change. NBT Bank loans are only available in Connecticut, Maine, Massachusetts, New Hampshire, New York, Pennsylvania and Vermont.
Rates assume payments will be automatically deducted from an NBT Bank checking or money market account. Add .50% to the rate if the automatic payment feature is not selected. To qualify for this rate, the minimum loan amount is $5,000, minimum credit score is 730. Lowest APR available on approved credit. Your actual APR may vary. The APR is based on borrower credit profile (as reported to NBT Bank by an outside reporting agency), collateral type, loan amount, term, lien position, and loan to value ratio. APR shown is current as of 07/20/2026 and is subject to change. NBT Bank loans are only available in Connecticut, Maine, Massachusetts, New Hampshire, New York, Pennsylvania and Vermont.
As Low As; This rate includes the .25% discount with Auto Pay.
As Low As; Older Vehicles 2017 OR OLDER; This rate includes the .25% discount with Auto Pay.
As Low As; Vehicle Model Years: All Years; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
As Low As; 2023 & newer: 0-72 months with less than 45,000 miles and valued at $15,000 or more
Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
As Low As; Maximum Loan to Value (LTV): 100% *
As Low As; Maximum Age of Vehicle: 10 Years; Maximum Loan to Value (LTV): 100% *
As Low As; Maximum Age of Vehicle: 10 Years; Maximum Mileage: 100,000; Maximum Loan to Value (LTV): 125% *
As low as; Rates, terms and conditions of loan will be based on individual credit worthiness. .25% Discount for Auto Transfer & .25% Discount for Active Checking, Christmas Club, or Vacation Account (Does not apply to Share Secured Loans)
As Low As; 2023 & newer
As low as; Rates, terms and conditions of loan will be based on individual credit worthiness. .25% Discount for Auto Transfer & .25% Discount for Active Checking, Christmas Club, or Vacation Account (Does not apply to Share Secured Loans)
Rates Effective June 1, 2026. Qualifying rates are based on collateral, term, down payment and creditworthiness. Not all loans are eligible, including internal refinances. The maximum combined qualifying discount is up to 0.90% for special Anniversary Discount, plus Direct Deposit Discount, plus Loan Loyalty or Welcome Aboard Discount. No other discounts can be combined. A 0.40% discount is available for vehicle loan applications submitted between 07/01/2026 and 09/30/2026, and funded by 10/31/2026. A 0.25% discount will be given for direct deposit into a Credit Union checking account. Direct Deposit Discount begins on the first month after the loan is funded or the month after direct deposit begins any time during your loan term and will continue to be deducted from the rate monthly, as long as direct deposit remains on the member's checking account and the member remains in good standing. An additional discount of 0.25% can be applied for Loan Loyalty or Welcome Aboard Discounts; however, these two cannot be combined. A 0.25% Loan Loyalty Discount is available for members having two (2) or more loans with a balance in the last two (2) years. Auto loans need activity within the last four (4) years. Some loan types are excluded. A 0.25% Welcome Aboard Discount is valid 90 days from the opening date of new membership. Not all members will qualify. Ask the Credit Union for more details.
As Low As; Vehicle Model Years: All Years; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
Model Year: 2026 - 2024
As Low As; 2023 & newer
Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
As Low As; Vehicle Model Years: All Years; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
As low as
As Low As; Evergreen Advantage; Model Year: 2025 - 2020
As Low As; Evergreen Advantage; Model Year: 2025 - 2020
New vehicle can be financed up to 84 Months. Used vehicle can be financed up to 72 Months. Rates are current as of press date and are subject to change without prior notice. Certain limitations may apply.
with Relationship Rewards
New, Used or Refinance. APR is Annual Percentage Rate. Click for details.
Rates Effective June 1, 2026. Qualifying rates are based on collateral, term, down payment and creditworthiness. Not all loans are eligible, including internal refinances. The maximum combined qualifying discount is up to 0.90% for special Anniversary Discount, plus Direct Deposit Discount, plus Loan Loyalty or Welcome Aboard Discount. No other discounts can be combined. A 0.40% discount is available for vehicle loan applications submitted between 07/01/2026 and 09/30/2026, and funded by 10/31/2026. A 0.25% discount will be given for direct deposit into a Credit Union checking account. Direct Deposit Discount begins on the first month after the loan is funded or the month after direct deposit begins any time during your loan term and will continue to be deducted from the rate monthly, as long as direct deposit remains on the member's checking account and the member remains in good standing. An additional discount of 0.25% can be applied for Loan Loyalty or Welcome Aboard Discounts; however, these two cannot be combined. A 0.25% Loan Loyalty Discount is available for members having two (2) or more loans with a balance in the last two (2) years. Auto loans need activity within the last four (4) years. Some loan types are excluded. A 0.25% Welcome Aboard Discount is valid 90 days from the opening date of new membership. Not all members will qualify. Ask the Credit Union for more details.
Max Limit: $45,000.00
As Low As; Evergreen Advantage; Model Year: 2025 - 2020
Model Year: 2025 - 2027; As Low As; Rate: 3.99% apr*
Model Year: 2025 - 2027; As Low As; Rate: 3.99% apr*
As Low As; 2018-2022
As Low As; 2023 & newer
Model Years 2024-2026
As Low As
Some rates below may be eligible for a .50% discount for the Member Service Rewards for having 4+ services with the CU and a 0.125% discount for adding Debt Protection and/or GAP on loans and a 0.125% discount for Mechanical Repair Coverage on auto loans. Rates and Terms are subject to change without notification. Rates are effective as of July 1, 2026.
Some rates below may be eligible for a .50% discount for the Member Service Rewards for having 4+ services with the CU and a 0.125% discount for adding Debt Protection and/or GAP on loans and a 0.125% discount for Mechanical Repair Coverage on auto loans. Rates and Terms are subject to change without notification. Rates are effective as of July 1, 2026.
Some rates below may be eligible for a .50% discount for the Member Service Rewards for having 4+ services with the CU and a 0.125% discount for adding Debt Protection and/or GAP on loans and a 0.125% discount for Mechanical Repair Coverage on auto loans. Rates and Terms are subject to change without notification. Rates are effective as of July 1, 2026.
Some rates below may be eligible for a .50% discount for the Member Service Rewards for having 4+ services with the CU and a 0.125% discount for adding Debt Protection and/or GAP on loans and a 0.125% discount for Mechanical Repair Coverage on auto loans. Rates and Terms are subject to change without notification. Rates are effective as of July 1, 2026.
Some rates below may be eligible for a .50% discount for the Member Service Rewards for having 4+ services with the CU and a 0.125% discount for adding Debt Protection and/or GAP on loans and a 0.125% discount for Mechanical Repair Coverage on auto loans. Rates and Terms are subject to change without notification. Rates are effective as of July 1, 2026.
Some rates below may be eligible for a .50% discount for the Member Service Rewards for having 4+ services with the CU and a 0.125% discount for adding Debt Protection and/or GAP on loans and a 0.125% discount for Mechanical Repair Coverage on auto loans. Rates and Terms are subject to change without notification. Rates are effective as of July 1, 2026.
As Low As*
As Low As*
As Low As*
As Low As*
Offer valid on new money only and cannot be used on existing First Capital Federal Credit Union loans. Valid on automobile and motorcycle purchases only. Maximum Loan to Value (LTV) on 72 Month Term will be 115% and the 84 Month Term will be 100%. Additional restrictions may apply. Cannot be combined with any other offer other than the FirstCapital Star Rewards 3-star discount. Effective August 1 - September 30, 2026. Minimum credit score of 650.
As Low As; Promo: Your Keys. Your Car. Your Freedom.
APR* As Low As
As Low As; Auto Pay Discount: 3.89%
As Low As
As Low As
As Low As; Fixed
As Low As; Fixed
As Low As
As Low As; Maximum Age of Vehicle: 10 Years; Maximum Mileage: 150,000; Maximum Loan to Value (LTV): 125% *
Credit Score: 730+; Credit Grade: A+
Credit Score: 730+; Credit Grade: A+
As low as; Rates, terms and conditions of loan will be based on individual credit worthiness. .25% Discount for Auto Transfer & .25% Discount for Active Checking, Christmas Club, or Vacation Account (Does not apply to Share Secured Loans)
Credit Score: A
Rates Effective June 1, 2026. Qualifying rates are based on collateral, term, down payment and creditworthiness. Not all loans are eligible, including internal refinances. The maximum combined qualifying discount is up to 0.90% for special Anniversary Discount, plus Direct Deposit Discount, plus Loan Loyalty or Welcome Aboard Discount. No other discounts can be combined. A 0.40% discount is available for vehicle loan applications submitted between 07/01/2026 and 09/30/2026, and funded by 10/31/2026. A 0.25% discount will be given for direct deposit into a Credit Union checking account. Direct Deposit Discount begins on the first month after the loan is funded or the month after direct deposit begins any time during your loan term and will continue to be deducted from the rate monthly, as long as direct deposit remains on the member's checking account and the member remains in good standing. An additional discount of 0.25% can be applied for Loan Loyalty or Welcome Aboard Discounts; however, these two cannot be combined. A 0.25% Loan Loyalty Discount is available for members having two (2) or more loans with a balance in the last two (2) years. Auto loans need activity within the last four (4) years. Some loan types are excluded. A 0.25% Welcome Aboard Discount is valid 90 days from the opening date of new membership. Not all members will qualify. Ask the Credit Union for more details.
Rates as Low as*
As Low As; Evergreen Advantage
As Low As; Evergreen Advantage; Model Year: 2025 - 2020
As Low As; New or Used Vehicles
As Low As; Vehicle Model Years: 2020 or Newer; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017.
As Low As; Minimum Loan Amount - $15,000
As Low As; Minimum Loan Amount - $15,000
Model Year: 2027-2024; Min. value of car $15,000
Model Years 2024-2026
As Low As; Evergreen Advantage; Model Year: 2025 - 2020
As Low As; Lowest rates are for qualified applicants and dependent on opening and maintaining an active UECU Checking Account (excluding Green Light CheckingTM) with at least one transaction per month. Rates will vary based on an evaluation of credit, term, loan to value, and/or collateral evaluation if applicable. Not all applicants will quality. Actual rate may differ. Share Secured Loan is 100% secured by funds in your share savings account. Other fees, terms, and conditions may apply for each loan type. Information provided herein is subject to change without notice.
As Low As; Auto Pay Discount: 4.14%
As Low As; Model Year: 2025 & newer
As Low As
Financing %: 100%* (New)
Credit Score: 730+; Credit Grade: A+
As Low As; New or Used Vehicles
As Low As; 2018-2022
80-90% NADA retail
Fair Isaac Risk Score: 750+ w/ 100% Financing
As low as; Add .5% for 72 months for qualifying vehicles; Add 1.00% for 84 months for qualifying vehicles
As low as; Add .5% for 72 months for qualifying vehicles; Add 1.00% for 84 months for qualifying vehicles
As low as; Add .5% for 72 months for qualifying vehicles; Add 1.00% for 84 months for qualifying vehicles
Term: Up to 36 months 80-90% NADA retail
As Low As; Other rates and terms available based on creditworthiness. Refinancing of existing Riegel FCU auto loans are not permitted to reduce the interest rate. If an interest rate is equal to existing rate or increasing, refinances are allowed.
New and Used Auto APR as low as*
As Low As; Model years '26 & '25 can be financed up to 84 months w/loan of $30,000.00 or more. Other rates and terms available based on creditworthiness. Refinancing of existing Riegel FCU auto loans are not permitted to reduce the interest rate. If an interest rate is equal to existing rate or increasing, refinances are allowed.
Additional discounts may apply; Auto Loans (2024-2026)
Model Year: 2026 - 2024
36 months or less
Rates as low as
Rates as Low as*
As Low As; Model Year: 2025 & newer
As Low As; Model Year: 2022 - 2024
As Low As
As Low As; Minimum Loan Amount - $15,000
Term: Up to 84 Months (minimum $20,000)
Model Year: 2023 - 2022
Model Year: 2027-2024; Min. value of car $15,000
(36 months)
As low as
(48 months)
As low as
Wilkes Barre New Auto Auto Loan Rates
APR*
APR*
Zero Down Payment
Zero Down Payment
APR*
APR*
As low as 3.99%* (based on credit score)
Zero Down Payment
APR*
APR*
1
1
1
As Low As; This rate includes the .25% discount for Auto Pay.
1
As Low As; This rate includes the .25% discount with Auto Pay.
Zero Down Payment
1
APR based on 60 months and $45,000; For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
Model Year: 2026-2025
Model Year: 2026-2025
Model Year: 2026-2025
Rates assume payments will be automatically deducted from an NBT Bank checking or money market account. Add .50% to the rate if the automatic payment feature is not selected. To qualify for this rate, the minimum loan amount is $5,000, minimum credit score is 730. Lowest APR available on approved credit. Your actual APR may vary. The APR is based on borrower credit profile (as reported to NBT Bank by an outside reporting agency), collateral type, loan amount, term, lien position, and loan to value ratio. APR shown is current as of 07/20/2026 and is subject to change. NBT Bank loans are only available in Connecticut, Maine, Massachusetts, New Hampshire, New York, Pennsylvania and Vermont.
As Low As; Vehicle Model Years: All Years; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
As Low As; Maximum Loan to Value (LTV): 100% *
As Low As; Maximum Age of Vehicle: 10 Years; Maximum Loan to Value (LTV): 100% *
As Low As; Maximum Age of Vehicle: 10 Years; Maximum Mileage: 100,000; Maximum Loan to Value (LTV): 125% *
Rates Effective June 1, 2026. Qualifying rates are based on collateral, term, down payment and creditworthiness. Not all loans are eligible, including internal refinances. The maximum combined qualifying discount is up to 0.90% for special Anniversary Discount, plus Direct Deposit Discount, plus Loan Loyalty or Welcome Aboard Discount. No other discounts can be combined. A 0.40% discount is available for vehicle loan applications submitted between 07/01/2026 and 09/30/2026, and funded by 10/31/2026. A 0.25% discount will be given for direct deposit into a Credit Union checking account. Direct Deposit Discount begins on the first month after the loan is funded or the month after direct deposit begins any time during your loan term and will continue to be deducted from the rate monthly, as long as direct deposit remains on the member's checking account and the member remains in good standing. An additional discount of 0.25% can be applied for Loan Loyalty or Welcome Aboard Discounts; however, these two cannot be combined. A 0.25% Loan Loyalty Discount is available for members having two (2) or more loans with a balance in the last two (2) years. Auto loans need activity within the last four (4) years. Some loan types are excluded. A 0.25% Welcome Aboard Discount is valid 90 days from the opening date of new membership. Not all members will qualify. Ask the Credit Union for more details.
As Low As; Vehicle Model Years: All Years; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
As Low As; Vehicle Model Years: All Years; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
As low as
New vehicle can be financed up to 84 Months. Used vehicle can be financed up to 72 Months. Rates are current as of press date and are subject to change without prior notice. Certain limitations may apply.
Max Limit: $45,000.00
Model Years 2024-2026
As Low As
Some rates below may be eligible for a .50% discount for the Member Service Rewards for having 4+ services with the CU and a 0.125% discount for adding Debt Protection and/or GAP on loans and a 0.125% discount for Mechanical Repair Coverage on auto loans. Rates and Terms are subject to change without notification. Rates are effective as of July 1, 2026.
Some rates below may be eligible for a .50% discount for the Member Service Rewards for having 4+ services with the CU and a 0.125% discount for adding Debt Protection and/or GAP on loans and a 0.125% discount for Mechanical Repair Coverage on auto loans. Rates and Terms are subject to change without notification. Rates are effective as of July 1, 2026.
Some rates below may be eligible for a .50% discount for the Member Service Rewards for having 4+ services with the CU and a 0.125% discount for adding Debt Protection and/or GAP on loans and a 0.125% discount for Mechanical Repair Coverage on auto loans. Rates and Terms are subject to change without notification. Rates are effective as of July 1, 2026.
As Low As; Promo: Your Keys. Your Car. Your Freedom.
As Low As; Auto Pay Discount: 3.89%
As Low As
As Low As; Maximum Age of Vehicle: 10 Years; Maximum Mileage: 150,000; Maximum Loan to Value (LTV): 125% *
Credit Score: 730+; Credit Grade: A+
Credit Score: 730+; Credit Grade: A+
Credit Score: A
Rates Effective June 1, 2026. Qualifying rates are based on collateral, term, down payment and creditworthiness. Not all loans are eligible, including internal refinances. The maximum combined qualifying discount is up to 0.90% for special Anniversary Discount, plus Direct Deposit Discount, plus Loan Loyalty or Welcome Aboard Discount. No other discounts can be combined. A 0.40% discount is available for vehicle loan applications submitted between 07/01/2026 and 09/30/2026, and funded by 10/31/2026. A 0.25% discount will be given for direct deposit into a Credit Union checking account. Direct Deposit Discount begins on the first month after the loan is funded or the month after direct deposit begins any time during your loan term and will continue to be deducted from the rate monthly, as long as direct deposit remains on the member's checking account and the member remains in good standing. An additional discount of 0.25% can be applied for Loan Loyalty or Welcome Aboard Discounts; however, these two cannot be combined. A 0.25% Loan Loyalty Discount is available for members having two (2) or more loans with a balance in the last two (2) years. Auto loans need activity within the last four (4) years. Some loan types are excluded. A 0.25% Welcome Aboard Discount is valid 90 days from the opening date of new membership. Not all members will qualify. Ask the Credit Union for more details.
Rates as Low as*
As Low As; New or Used Vehicles
As Low As; Vehicle Model Years: 2020 or Newer; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017.
As Low As; Minimum Loan Amount - $15,000
Model Year: 2027-2024; Min. value of car $15,000
Model Years 2024-2026
As Low As; Auto Pay Discount: 4.14%
As Low As
Financing %: 100%* (New)
Credit Score: 730+; Credit Grade: A+
As Low As; New or Used Vehicles
80-90% NADA retail
Fair Isaac Risk Score: 750+ w/ 100% Financing
As low as; Add .5% for 72 months for qualifying vehicles; Add 1.00% for 84 months for qualifying vehicles
As low as; Add .5% for 72 months for qualifying vehicles; Add 1.00% for 84 months for qualifying vehicles
As low as; Add .5% for 72 months for qualifying vehicles; Add 1.00% for 84 months for qualifying vehicles
Term: Up to 36 months 80-90% NADA retail
As Low As; Other rates and terms available based on creditworthiness. Refinancing of existing Riegel FCU auto loans are not permitted to reduce the interest rate. If an interest rate is equal to existing rate or increasing, refinances are allowed.
36 months or less
Rates as low as
Rates as Low as*
As Low As
Model Year: 2027-2024; Min. value of car $15,000
(36 months)
As low as
(48 months)
As low as
Wilkes Barre Used Auto Auto Loan Rates
APR*
APR range: 3.50% - 9.00% APR*
APR*
APR*
APR range: 3.75% - 9.50% APR*
APR*
As low as; (based on credit score); Loan Amount: Up to 125% of the NADA value.
APR*
APR range: 4.00% - 10.00% APR*
APR*
APR*
APR*
1
1
1
1
2
2
As Low As; This rate includes the .25% discount with Auto Pay.
As Low As; This rate includes the .25% discount with Auto Pay.
2022 - NEWER
APR*
APR*
1
2022 - NEWER**
APR*
2
2
APR based on 60 months and $30,000; For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
2
Model Year: 2025-2024
Model Year: 2023
Model Year: 2025-2024
Model Year: 2022
Model Year: 2023
Model Year: 2022
Model Year: 2025-2024
Model Year: 2023
Rates assume payments will be automatically deducted from an NBT Bank checking or money market account. Add .50% to the rate if the automatic payment feature is not selected. To qualify for this rate, the minimum loan amount is $5,000, minimum credit score is 730. Lowest APR available on approved credit. Your actual APR may vary. The APR is based on borrower credit profile (as reported to NBT Bank by an outside reporting agency), collateral type, loan amount, term, lien position, and loan to value ratio. APR shown is current as of 07/20/2026 and is subject to change. NBT Bank loans are only available in Connecticut, Maine, Massachusetts, New Hampshire, New York, Pennsylvania and Vermont.
As Low As; Older Vehicles 2017 OR OLDER; This rate includes the .25% discount with Auto Pay.
As Low As; Vehicle Model Years: All Years; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
As Low As; Maximum Loan to Value (LTV): 100% *
As Low As; Maximum Age of Vehicle: 10 Years; Maximum Loan to Value (LTV): 100% *
As Low As; Maximum Age of Vehicle: 10 Years; Maximum Mileage: 100,000; Maximum Loan to Value (LTV): 125% *
As Low As; Vehicle Model Years: All Years; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
Model Year: 2026 - 2024
As Low As; Vehicle Model Years: All Years; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
As Low As; Evergreen Advantage; Model Year: 2025 - 2020
As Low As; Evergreen Advantage; Model Year: 2025 - 2020
New vehicle can be financed up to 84 Months. Used vehicle can be financed up to 72 Months. Rates are current as of press date and are subject to change without prior notice. Certain limitations may apply.
Rates Effective June 1, 2026. Qualifying rates are based on collateral, term, down payment and creditworthiness. Not all loans are eligible, including internal refinances. The maximum combined qualifying discount is up to 0.90% for special Anniversary Discount, plus Direct Deposit Discount, plus Loan Loyalty or Welcome Aboard Discount. No other discounts can be combined. A 0.40% discount is available for vehicle loan applications submitted between 07/01/2026 and 09/30/2026, and funded by 10/31/2026. A 0.25% discount will be given for direct deposit into a Credit Union checking account. Direct Deposit Discount begins on the first month after the loan is funded or the month after direct deposit begins any time during your loan term and will continue to be deducted from the rate monthly, as long as direct deposit remains on the member's checking account and the member remains in good standing. An additional discount of 0.25% can be applied for Loan Loyalty or Welcome Aboard Discounts; however, these two cannot be combined. A 0.25% Loan Loyalty Discount is available for members having two (2) or more loans with a balance in the last two (2) years. Auto loans need activity within the last four (4) years. Some loan types are excluded. A 0.25% Welcome Aboard Discount is valid 90 days from the opening date of new membership. Not all members will qualify. Ask the Credit Union for more details.
As Low As; Evergreen Advantage; Model Year: 2025 - 2020
Some rates below may be eligible for a .50% discount for the Member Service Rewards for having 4+ services with the CU and a 0.125% discount for adding Debt Protection and/or GAP on loans and a 0.125% discount for Mechanical Repair Coverage on auto loans. Rates and Terms are subject to change without notification. Rates are effective as of July 1, 2026.
Some rates below may be eligible for a .50% discount for the Member Service Rewards for having 4+ services with the CU and a 0.125% discount for adding Debt Protection and/or GAP on loans and a 0.125% discount for Mechanical Repair Coverage on auto loans. Rates and Terms are subject to change without notification. Rates are effective as of July 1, 2026.
Some rates below may be eligible for a .50% discount for the Member Service Rewards for having 4+ services with the CU and a 0.125% discount for adding Debt Protection and/or GAP on loans and a 0.125% discount for Mechanical Repair Coverage on auto loans. Rates and Terms are subject to change without notification. Rates are effective as of July 1, 2026.
As Low As*
As Low As*
As Low As*
As Low As*
As Low As; Auto Pay Discount: 3.89%
As Low As; Maximum Age of Vehicle: 10 Years; Maximum Mileage: 150,000; Maximum Loan to Value (LTV): 125% *
Credit Score: 730+; Credit Grade: A+
Credit Score: 730+; Credit Grade: A+
As Low As; Evergreen Advantage
As Low As; Evergreen Advantage; Model Year: 2025 - 2020
As Low As; New or Used Vehicles
As Low As; Vehicle Model Years: 2020 or Newer; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017.
As Low As; Minimum Loan Amount - $15,000
Model Year: 2027-2024; Min. value of car $15,000
As Low As; Evergreen Advantage; Model Year: 2025 - 2020
As Low As; Auto Pay Discount: 4.14%
Credit Score: 730+; Credit Grade: A+
As Low As; New or Used Vehicles
80-90% NADA retail
Term: Up to 36 months 80-90% NADA retail
As Low As; Model years '26 & '25 can be financed up to 84 months w/loan of $30,000.00 or more. Other rates and terms available based on creditworthiness. Refinancing of existing Riegel FCU auto loans are not permitted to reduce the interest rate. If an interest rate is equal to existing rate or increasing, refinances are allowed.
Model Year: 2026 - 2024
As Low As; Minimum Loan Amount - $15,000
Model Year: 2023 - 2022
Model Year: 2027-2024; Min. value of car $15,000
Wilkes Barre, PA Auto Loan Rate Trends
Compare local Wilkes Barre, 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 fell 0.031 points over the past 7 days to 6.270% APR.
Pennsylvania used auto rates rose 0.052 points over the past 7 days to 7.541% APR.
Wilkes Barre, 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 @ 6.27% APR PA average | Used Auto @ 7.54% APR PA average | Monthly Difference |
|---|---|---|---|
| $15,000 | $291.88/mo | $300.86/mo | $8.99/mo |
| $25,000 | $486.46/mo | $501.44/mo | $14.98/mo |
| $35,000 | $681.05/mo | $702.02/mo | $20.97/mo |
| $45,000 | $875.63/mo | $902.59/mo | $26.96/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 Wilkes Barre, Pennsylvania
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Wilkes Barre, 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 Wilkes Barre, 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: Wilkes Barre, 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 $584 monthly car payment works out to roughly 15.0% of the median individual income in Pennsylvania. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15–20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Wilkes Barre, 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 1–3 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 (0–2.9% 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 Wilkes Barre, 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 Wilkes Barre, 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 Wilkes Barre, 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 Wilkes Barre, 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.
Frequently Asked Questions about Auto Loans in Wilkes Barre, 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 Wilkes Barre, 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?
What are the best Auto Loan rates in Wilkes Barre, Pennsylvania?
- Corner Post Federal Credit Union: 3.25% (New Vehicles Loan)
- VANTAGE TRUST: 3.49% (New Vehicle Loan - 36 Months)
- Citymark Federal Credit Union: 3.99% (New Car Loan)
- Cross Valley Federal Credit Union: 4.19% (New / Used 2021-2026 Auto Loan)
- Choice One Community Federal Credit Union: 4.39% (New Car Loan)
Wilkes Barre, Pennsylvania Rates & Resources
