Philadelphia, PA Best Auto Loan Rates for November 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Philadelphia, Pennsylvania auto loan rates range from 3.34% to 7.79% APR, verified by MonitorBankRates as of November 9, 2026. Current auto loan rates in Philadelphia, Pennsylvania include American Airlines Federal Credit UnionAmerican Airlines Federal Credit Union8500 Essington Ave Ste B, Philadelphia, PA, 19153 3716A+5.0 ★Texas Ratio: 2.87%Rate verified Nov 7, 2026 offering New Auto at 3.34%, Advantage Financial Credit UnionAdvantage Financial Credit Union5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144A5.0 ★Texas Ratio: 7.87%Rate verified Nov 9, 2026 offering Auto Loan - Same Rate on New or Used Vehicles at 3.89%, Navy Federal Credit UnionNavy Federal Credit Union330 W Oregon Ave, Philadelphia, PA, 19148A5.0 ★Texas Ratio: 8.14%Rate verified Nov 5, 2026 offering MissionAssistTM Auto - New Auto Loan at 4.19%, FedChoice Federal Credit UnionFedChoice Federal Credit Union2970 Market St, Philadelphia, PA, 19104 5002A+5.0 ★Texas Ratio: 4.50%Rate verified Nov 7, 2026 offering Vehicle Loan at 4.50%, Eagle One Federal Credit UnionEagle One Federal Credit Union7500 Lindbergh Blvd, Philadelphia, PA, 19176B+4.8 ★Texas Ratio: 17.62%Rate verified Nov 7, 2026 offering Auto Loan at 4.50%. Auto loan rates as of November 9, 2026 according to verified data from MonitorBankRates.
Philadelphia has 18 local institutions in our database, with auto loan rates as low as 3.34% APR from American Airlines Federal Credit Union at 8500 Essington Ave Ste B, Philadelphia, PA, 19153 3716. 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 Philadelphia, Pennsylvania. Auto Loan Rates Last Updated and Verified: November 9, 2026
Compare Auto Loan Rates Today in Philadelphia, Pennsylvania & Surrounding Area
Philadelphia Auto Loan Rates
As Low As
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; 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%
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; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Refinance; New vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles
- Oct 20, 20264.19%▲ from 3.89%
- Sep 30, 20263.89%first recorded
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
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%
As Low As; w/ Auto Pay Discount; Rates are based on applicant's credit worthiness; Your actual rate may vary
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
- Oct 31, 20264.44%▲ from 4.09%
- Sep 30, 20264.09%first recorded
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; Loan Amount: $5,000 min; Financing up to 125% of MSRP or NADA Clean Retail
As Low As; Model Year: 2026-2022; Effective August 4, 2026; APR = Annual Percentage Rate
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As
As Low As; w/ Auto Pay Discount; Only available for loan amounts in excess of $20,000; Eligible vehicles are model year 2020 or newer with less than 80K miles; Rates are based on applicant's credit worthiness; Your actual rate may vary
As Low As; APR; Only available for loan amounts in excess of $20,000; Eligible vehicles are model year 2020 or newer with less than 80K miles; Rates are based on applicant's credit worthiness; Your actual rate may vary
As Low As; w/ Auto Pay Discount: as low as 4.64%; Only available for loan amounts in excess of $20,000; Eligible vehicles are model year 2020 or newer with less than 80K miles
As Low As; Loan Amount: $15,000 min; Financing up to 125% of MSRP or NADA Clean Retail; Motorcycle loans limited to 60 months
As Low As; Model Year: 2026-2022; Effective August 4, 2026; APR = Annual Percentage Rate
Credit Rating: A+
- Oct 8, 20264.80%▲ from 4.75%
- Sep 16, 20264.75%first recorded
Credit Rating: A
- Oct 8, 20264.85%▼ from 4.90%
- Sep 16, 20264.90%first recorded
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As; Finance up to 100% of the purchase price; Pre-approval available; purchase invoice and proof of insurance required
As Low As; w/ Auto Pay Discount; Only available for loan amounts in excess of $30,000; Eligible vehicles are model year 2021 or newer with less than 60K miles; Rates are based on applicant's credit worthiness; Your actual rate may vary
Credit Rating: A+
- Oct 8, 20264.90%▲ from 4.85%
- Sep 16, 20264.85%first recorded
Credit Rating: A
- Oct 8, 20264.95%▼ from 5.00%
- Sep 16, 20265.00%first recorded
As Low As; Model Years: 2021-2023; Maximum loan amount: $125,000; APR range 4.49%-17.90%
As Low As; Finance up to 100% of the purchase price; Pre-approval available; purchase invoice and proof of insurance required
As Low As; Finance up to 100% of the purchase price; Pre-approval available; purchase invoice and proof of insurance required
As Low As; APR; Only available for loan amounts in excess of $30,000; Eligible vehicles are model year 2021 or newer with less than 60K miles; Rates are based on applicant's credit worthiness; Your actual rate may vary
As Low As; w/ Auto Pay Discount: as low as 4.89%; Only available for loan amounts in excess of $30,000; Eligible vehicles are model year 2021 or newer with less than 60K miles
Credit Rating: B
- Oct 8, 20265.00%▲ from 4.90%
- Sep 16, 20264.90%first recorded
Credit Rating: A+
- Oct 8, 20265.00%▲ from 4.95%
- Sep 16, 20264.95%first recorded
Credit Rating: A
- Oct 8, 20265.05%▲ from 4.95%
- Sep 16, 20264.95%first recorded
Credit Rating: A+
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
As Low As; Loan Amount: Up to $25,000; Up to 125% of MSRP to include tax, tags, warranties and GAP; New auto = untitled model year 2026 or newer
As Low As; Loan Amount: Up to $15,000; Amount: Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP; Model years 2024 and 2025 untitled or current-year models
Credit Rating: B
- Oct 8, 20265.10%▲ from 5.00%
- Sep 16, 20265.00%first recorded
Credit Rating: A+
- Oct 8, 20265.10%▲ from 5.00%
- Sep 16, 20265.00%first recorded
As Low As; Finance up to 115% of the vehicle value; Model Year: 2022-2026
As Low As; Finance up to 120% of the vehicle value
Credit Rating: A
- Oct 8, 20265.15%▼ from 5.30%
- Sep 16, 20265.30%first recorded
Credit Rating: A
- Oct 8, 20265.15%▼ from 5.20%
- Sep 25, 20265.20%first recorded
Credit Rating: A+
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
As Low As; Finance up to 115% of the vehicle value; Model Year: 2022-2026
As Low As; Finance up to 120% of the vehicle value
As Low As
- Oct 9, 20265.24%▲ from 4.99%
- Sep 17, 20264.99%first recorded
As Low As
- Oct 9, 20265.24%▲ from 4.99%
- Sep 17, 20264.99%first recorded
As Low As
- Oct 9, 20265.24%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As
- Oct 9, 20265.24%▲ from 4.99%
- Sep 14, 20264.99%first recorded
Credit Rating: B
- Oct 8, 20265.25%▲ from 5.15%
- Sep 16, 20265.15%first recorded
Credit Rating: A
- Oct 8, 20265.25%▼ from 5.30%
- Sep 25, 20265.30%first recorded
Credit Rating: A+
Credit Rating: B
- Oct 8, 20265.30%▲ from 5.20%
- Sep 25, 20265.20%first recorded
Credit Rating: A+
- Oct 8, 20265.35%▲ from 5.30%
- Sep 16, 20265.30%first recorded
Credit Rating: A
- Oct 8, 20265.35%▲ from 5.25%
- Sep 25, 20265.25%first recorded
Credit Rating: A+
- Oct 8, 20265.35%▲ from 5.25%
- Sep 25, 20265.25%first recorded
Credit Rating: B
- Oct 8, 20265.40%▲ from 5.30%
- Sep 25, 20265.30%first recorded
As Low As; Finance up to 115% of the vehicle value; Model Year: 2022-2026
As Low As; Finance up to 120% of the vehicle value
Credit Rating: B
- Oct 8, 20265.45%▲ from 5.30%
- Sep 16, 20265.30%first recorded
Credit Rating: A
- Oct 8, 20265.45%▲ from 5.30%
- Sep 16, 20265.30%first recorded
Credit Rating: A
- Oct 8, 20265.45%▼ from 5.60%
- Sep 25, 20265.60%first recorded
As Low As; Model years 2024 - 2026; APR is increased by .25% without payroll deduction or automatic payment
As Low As
- Oct 9, 20265.49%▲ from 5.24%
- Sep 14, 20265.24%first recorded
As Low As
- Oct 9, 20265.49%▲ from 5.24%
- Sep 14, 20265.24%first recorded
As Low As; Vehicle years 2019 - 2023; Loan Amount: Up to $15,000; Amount: Up to 100% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
Credit Rating: B
- Oct 8, 20265.55%▲ from 5.45%
- Sep 25, 20265.45%first recorded
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
As Low As; Fixed-rate new car loan; 60-month option; as of Nov. 5, 2026; excludes additional BofA Rewards discount up to 0.50%
Credit Rating: A+
- Oct 8, 20265.65%▲ from 5.60%
- Sep 25, 20265.60%first recorded
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
As Low As; Model years 2024 - 2026; APR is increased by .25% without payroll deduction or automatic payment
As Low As; New (<10K miles)
As Low As; Model Years: 2021-2023; Maximum loan amount: $125,000; APR range 4.49%-17.90%
As Low As; Loan Amount: $15,000 min; Financing up to 125% of MSRP or NADA Clean Retail
As Low As; Model Year: 2026-2022; Effective August 4, 2026; APR = Annual Percentage Rate
Credit Rating: B
- Oct 8, 20265.75%▲ from 5.60%
- Sep 25, 20265.60%first recorded
Credit Rating: A
- Oct 8, 20265.75%▲ from 5.60%
- Sep 25, 20265.60%first recorded
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; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
Model Years: 2027, 2026, 2025; Minimum $7,500; APR option 1 of 4 for this term; Monthly Payment per $1,000 not captured
Model Year: 2027, 2026, 2025; Minimum loan $7,500; Rate option 1 of 4 for 63 months; APR depends on credit score, loan term and model year
As Low As; Model Year: 2019-2021; Finance up to 110% of the vehicle value
As Low As; Model Year: 2027 - 2024; Effective as of September 21, 2026
As Low As; Loan Amount: $15,000 to $35,000; Up to 125% of MSRP to include tax, tags, warranties and GAP; New auto = untitled model year 2026 or newer
As Low As; Loan Amount: $15,000 to $35,000; Amount: Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP; Model years 2024 and 2025 untitled or current-year models
Credit Rating: C
- Oct 8, 20265.80%▲ from 5.70%
- Sep 16, 20265.70%first recorded
As Low As; Fixed-rate used car loan; 60-month option; as of Nov. 5, 2026; excludes additional BofA Rewards discount up to 0.50%
As Low As; Model Years 2020 - 2023; APR for payroll deduction or automatic payment; APR increased by .25% without payroll deduction or automatic payment
As Low As; Finance up to 115% of the vehicle value; Model Year: 2022-2026
As Low As; Finance up to 120% of the vehicle value
As Low As; Finance up to 100% of the purchase price; Pre-approval available; purchase invoice and proof of insurance required
Credit Rating: B
- Oct 8, 20265.95%▲ from 5.80%
- Sep 16, 20265.80%first recorded
As Low As; Used (2021-2026) vehicle; Vehicle Loans
As Low As; Model Year: 2019-2021; Finance up to 110% of the vehicle value
As Low As; $30,000 max loan amount; age 18 or older; no prior auto or mortgage loan history; limited to vehicles 2016 or newer and up to 100,000 miles
- Oct 9, 20265.99%▲ from 5.74%
- Sep 14, 20265.74%first recorded
As Low As; Model Year: 2021-2020; Effective August 4, 2026; APR = Annual Percentage Rate
As Low As; Model Year: 2021-2020; Effective August 4, 2026; APR = Annual Percentage Rate
Credit Rating: A+
- Oct 8, 20266.00%▲ from 5.85%
- Sep 16, 20265.85%first recorded
Model Years: 2027, 2026, 2025; Minimum $7,500; APR option 2 of 4 for this term; Monthly Payment per $1,000 not captured
Minimum $10,000; APR option 1 of 4 for 72 months
Additional APR listed for this product: 6.29%, 7.29%, 8.29%. Minimum loan amount $7,500; APR depends on credit score and model year
Additional APR listed for this product: 6.29%, 7.29%, 8.29%. Model Year: 2027, 2026, 2025; Minimum loan $10,000; Credit score tier not labeled in source; Automatic payment discount may apply
Model Year: 2027, 2026, 2025; Minimum loan $7,500; Rate option 2 of 4 for 63 months; APR depends on credit score, loan term and model year
As Low As; Model Year: 2027 - 2024; Effective as of September 21, 2026
As Low As; Model Year: 2023 - 2022; Effective as of September 21, 2026
Financing amount: $45,000; For online applicants with an excellent credit history
- Oct 31, 20266.09%▲ from 6.04%
- Oct 26, 20266.04%▼ from 6.24%
- Oct 14, 20266.24%first recorded
Financing amount: $30,000; For online applicants with an excellent credit history
- Oct 26, 20266.09%▼ from 6.29%
- Oct 14, 20266.29%first recorded
APR based on 60 months and $45,000 financing; for online applicants with excellent credit; new car purchase
- Oct 31, 20266.09%▼ from 6.24%
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
APR based on 60 months and $30,000 financing; for online applicants with excellent credit; used car purchase
- Oct 31, 20266.09%▼ from 6.29%
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
Credit Rating: A
- Oct 8, 20266.10%▲ from 5.85%
- Sep 16, 20265.85%first recorded
Credit Rating: C
- Oct 8, 20266.10%▲ from 6.00%
- Sep 25, 20266.00%first recorded
Credit Rating: C
- Oct 8, 20266.15%▲ from 6.05%
- Sep 16, 20266.05%first recorded
Term: 76-84 month term ($30K+); As Low As; New (<10K miles); Vehicle loan; Loan amount $30K+
As Low As; Used (2020 & Older) vehicle loan
As Low As; New (<10K miles); $30K+ loan amount
As Low As; $25,000 minimum required
- Oct 9, 20266.24%▲ from 5.99%
- Sep 14, 20265.99%first recorded
As Low As; $25,000 minimum required
- Oct 9, 20266.24%▲ from 5.99%
- Sep 14, 20265.99%first recorded
Credit Rating: B
- Oct 8, 20266.25%▲ from 6.10%
- Sep 25, 20266.10%first recorded
Credit Rating: A+
- Oct 8, 20266.25%▲ from 6.15%
- Sep 25, 20266.15%first recorded
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
Additional APR listed for this product: 6.54%, 7.54%, 8.54%. Minimum $10,000
Minimum $10,000; APR option 2 of 4 for 72 months
- Oct 23, 20266.29%▲ from 6.04%
- Oct 15, 20266.04%first recorded
Minimum loan $10,000; Payment per $1,000: $16.71; APR option 1 of 4 in this row (credit tier not shown in source)
Minimum loan $12,500; APR option 1 of 3 (credit-score tier not labeled in source); Financing up to 120% LTV available for Tier A+, Tier 1, and Tier 2 credit scores; APR effective as of October 22, 2026
As Low As; Model Year: 2023 - 2022; Effective as of September 21, 2026
As Low As; Model Year: 2019-2021; Finance up to 110% of the vehicle value
As Low As; Vehicle years 2019 - 2023; Loan Amount: $15,000 to $35,000; Amount: Up to 100% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
Credit Rating: A
- Oct 8, 20266.40%▲ from 6.15%
- Sep 25, 20266.15%first recorded
As Low As; Model Years 2020 - 2023; APR for payroll deduction or automatic payment; APR increased by .25% without payroll deduction or automatic payment
As Low As; Model Year: 2019 Model Year and Older; Vehicle Value Minimum: $3,000.00; Loan Amount Minimum: $1,000.00; Maximum APR: 12.89%
- Oct 26, 20266.44%▲ from 5.94%
- Oct 13, 20265.94%▲ from 5.69%
- Oct 1, 20265.69%▲ from 5.44%
- Sep 14, 20265.44%first recorded
As Low As; Model Year: 2021 - 2018; Effective as of September 21, 2026
Credit Rating: C
- Oct 8, 20266.45%▲ from 6.35%
- Sep 25, 20266.35%first recorded
As Low As; Model years 2024 - 2026; APR is increased by .25% without payroll deduction or automatic payment
As Low As; Used (2021-2026) vehicle; Loan amount $30K+; Vehicle Loans
As Low As; Finance up to 100% of the purchase price; Pre-approval available; purchase invoice and proof of insurance required
As Low As; Model Year: 2026-2022; Effective August 4, 2026; APR = Annual Percentage Rate
As Low As; Model Year: 2021-2020; Effective August 4, 2026; APR = Annual Percentage Rate
Model Year: 2021, 2020, 2019; Minimum loan $7,500; Monthly payment per $1,000: $18.80
Additional APR listed for this product: 6.79%, 7.79%, 8.79%. Minimum loan $7,500; APR varies by credit score tier (tier not labeled in table)
Auto Loans; Minimum $12,500; Monthly payment per $1,000: $16.28; APR tier 1 of 3 in this term row (credit tier label not shown in source)
Minimum $15,000; Monthly Payment per $1,000: $14.87
Minimum loan $10,000; Payment per $1,000: $16.83; APR option 2 of 4 in this row (credit tier not shown in source)
- Oct 15, 20266.54%▲ from 6.29%
- Oct 12, 20266.29%first recorded
Model Year: 2024, 2023, 2022; Minimum loan $12,500; Rate option 1 of 3 for 75 months
Minimum loan $12,500; APR option 2 of 3 (credit-score tier not labeled in source); Financing up to 120% LTV available for Tier A+, Tier 1, and Tier 2 credit scores; APR effective as of October 22, 2026
- Oct 15, 20266.54%▲ from 6.29%
- Oct 12, 20266.29%first recorded
Minimum $15,000; APR option 1 of 3 for 84 months; APR depends on credit score at time of application; Financing up to 120% LTV available for Tier A+, Tier 1, and Tier 2 credit scores
Credit Rating: B
- Oct 8, 20266.60%▲ from 6.35%
- Sep 16, 20266.35%first recorded
As Low As; Model Year: 2027 - 2024; Effective as of September 21, 2026
As Low As; Used (2020 & Older) vehicle loan; $30K+ loan amount
As Low As; Model Year: 2026, 2025, 2024; Effective August 4, 2026; APR = Annual Percentage Rate
Model Year: 2021, 2020, 2019; Minimum loan $7,500; Monthly payment per $1,000: $18.91
Minimum loan $10,000 for 64-72 month terms; Monthly payment per $1,000 $16.95 (not a rate); Auto loan; APR tier 1 of 3
Auto Loans; Minimum $12,500; Monthly payment per $1,000: $16.40; APR tier 2 of 3 in this term row (credit tier label not shown in source)
Minimum $15,000; Monthly Payment per $1,000: $14.99
- Oct 23, 20266.79%▲ from 6.54%
- Oct 15, 20266.54%first recorded
Model Year: 2024, 2023, 2022; Minimum loan $12,500; Rate option 2 of 3 for 75 months
- Oct 23, 20266.79%▲ from 6.54%
- Oct 12, 20266.54%first recorded
Minimum $15,000; APR option 2 of 3 for 84 months; APR depends on credit score at time of application; Financing up to 120% LTV available for Tier A+, Tier 1, and Tier 2 credit scores
As Low As; Model Year: 2021 - 2018; Effective as of September 21, 2026
As Low As; Model Year: 2019 Model Year and Older; Vehicle Value Minimum: $12,000.00; Loan Amount Minimum: $4,000.00; Maximum APR: 12.89%
- Oct 26, 20266.89%▲ from 6.39%
- Oct 13, 20266.39%▲ from 6.14%
- Oct 1, 20266.14%▲ from 5.89%
- Sep 14, 20265.89%first recorded
Credit Rating: B
- Oct 8, 20266.90%▲ from 6.65%
- Sep 25, 20266.65%first recorded
Minimum loan $10,000 for 64-72 month terms; Monthly payment per $1,000 $17.07 (not a rate); Auto loan; APR tier 2 of 3
Model Years: 2027, 2026, 2025; Minimum $7,500; APR option 3 of 4 for this term; Monthly Payment per $1,000 not captured
Model Year: 2027, 2026, 2025; Minimum loan $7,500; Rate option 3 of 4 for 63 months; APR depends on credit score, loan term and model year
As Low As; Loan Amount: $35,000+; Up to 125% of MSRP to include tax, tags, warranties and GAP; New auto = untitled model year 2026 or newer
As Low As; Loan Amount: $35,000+; Amount: Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP; Model years 2024 and 2025 untitled or current-year models
Credit Rating: C
- Oct 8, 20267.25%▲ from 7.15%
- Sep 16, 20267.15%first recorded
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
Minimum $10,000; APR option 3 of 4 for 72 months
- Oct 23, 20267.29%▲ from 6.04%
- Oct 15, 20266.04%first recorded
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
As Low As; Model Year: 2010-2018; Finance up to 105% of the vehicle value
- Oct 23, 20267.39%▲ from 7.14%
- Oct 8, 20267.14%first recorded
As Low As; Vehicle years 2019 - 2023; Loan Amount: $35,000+; Amount: Up to 100% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
As Low As; Rates as of Nov 05, 2026 ET
As Low As; Rates as of Nov 05, 2026 ET
As Low As; New & Used; Term column: 1-75 Months
- Oct 23, 20267.49%▲ from 7.24%
- Sep 12, 20267.24%first recorded
As Low As; Model Year: 2019 & Older; Effective August 4, 2026; APR = Annual Percentage Rate
Minimum loan $10,000; Payment per $1,000: $17.31; APR option 3 of 4 in this row (credit tier not shown in source)
- Oct 15, 20267.54%▲ from 6.29%
- Oct 12, 20266.29%first recorded
Minimum loan $12,500; APR option 3 of 3 (credit-score tier not labeled in source); Financing up to 120% LTV available for Tier A+, Tier 1, and Tier 2 credit scores; APR effective as of October 22, 2026
- Oct 15, 20267.54%▲ from 6.29%
- Oct 12, 20266.29%first recorded
As Low As; Model Year: 2019 Model Year and Older; Vehicle Value Minimum: $20,000.00; Loan Amount Minimum: $6,000.00; Maximum APR: 12.89%
- Oct 26, 20267.54%▲ from 7.04%
- Oct 13, 20267.04%▲ from 6.79%
- Oct 1, 20266.79%▲ from 6.54%
- Sep 14, 20266.54%first recorded
Credit Rating: C
- Oct 8, 20267.55%▲ from 7.45%
- Sep 25, 20267.45%first recorded
As Low As; Advertised APR assumes excellent credit; Minimum loan amount $30,000 for 84-96 months; Terms over 84 months only for vehicles with fewer than 7,500 miles; New vehicles (2025 and newer, under 30,000 miles); Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Minimum loan amount is $30,000 for terms of 85-96 months; Rates as of Nov 05, 2026 ET
Credit Rating: C
- Oct 8, 20267.70%▲ from 7.55%
- Sep 16, 20267.55%first recorded
As Low As; Model Year: 2019 & Older; Effective August 4, 2026; APR = Annual Percentage Rate
Model Year: 2021, 2020, 2019; Minimum loan $7,500; Monthly payment per $1,000: $19.39
Philadelphia New Auto Auto Loan Rates
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; APR; Rates are based on applicant's credit worthiness; Your actual rate may vary
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; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Refinance; New vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles
- Oct 20, 20264.19%▲ from 3.89%
- Sep 30, 20263.89%first recorded
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As; APR; Rates are based on applicant's credit worthiness; Your actual rate may vary
As Low As; w/ Auto Pay Discount; Rates are based on applicant's credit worthiness; Your actual rate may vary
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
- Oct 31, 20264.44%▲ from 4.09%
- Sep 30, 20264.09%first recorded
As Low As; APR; Rates are based on applicant's credit worthiness; Your actual rate may vary
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As; w/ Auto Pay Discount; Only available for loan amounts in excess of $20,000; Eligible vehicles are model year 2020 or newer with less than 80K miles; Rates are based on applicant's credit worthiness; Your actual rate may vary
As Low As; APR; Only available for loan amounts in excess of $20,000; Eligible vehicles are model year 2020 or newer with less than 80K miles; Rates are based on applicant's credit worthiness; Your actual rate may vary
Credit Rating: A+
- Oct 8, 20264.80%▲ from 4.75%
- Sep 16, 20264.75%first recorded
Credit Rating: A
- Oct 8, 20264.85%▼ from 4.90%
- Sep 16, 20264.90%first recorded
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As; Finance up to 100% of the purchase price; Pre-approval available; purchase invoice and proof of insurance required
As Low As; w/ Auto Pay Discount; Only available for loan amounts in excess of $30,000; Eligible vehicles are model year 2021 or newer with less than 60K miles; Rates are based on applicant's credit worthiness; Your actual rate may vary
Credit Rating: A+
- Oct 8, 20264.90%▲ from 4.85%
- Sep 16, 20264.85%first recorded
Credit Rating: A
- Oct 8, 20264.95%▼ from 5.00%
- Sep 16, 20265.00%first recorded
As Low As; Finance up to 100% of the purchase price; Pre-approval available; purchase invoice and proof of insurance required
As Low As; Finance up to 100% of the purchase price; Pre-approval available; purchase invoice and proof of insurance required
As Low As; APR; Only available for loan amounts in excess of $30,000; Eligible vehicles are model year 2021 or newer with less than 60K miles; Rates are based on applicant's credit worthiness; Your actual rate may vary
Credit Rating: B
- Oct 8, 20265.00%▲ from 4.90%
- Sep 16, 20264.90%first recorded
Credit Rating: A+
- Oct 8, 20265.00%▲ from 4.95%
- Sep 16, 20264.95%first recorded
Credit Rating: A
- Oct 8, 20265.05%▲ from 4.95%
- Sep 16, 20264.95%first recorded
As Low As; Loan Amount: Up to $25,000; Up to 125% of MSRP to include tax, tags, warranties and GAP; New auto = untitled model year 2026 or newer
As Low As; Loan Amount: Up to $15,000; Amount: Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP; Model years 2024 and 2025 untitled or current-year models
Credit Rating: B
- Oct 8, 20265.10%▲ from 5.00%
- Sep 16, 20265.00%first recorded
Credit Rating: A+
- Oct 8, 20265.10%▲ from 5.00%
- Sep 16, 20265.00%first recorded
As Low As; Finance up to 120% of the vehicle value
Credit Rating: A
- Oct 8, 20265.15%▼ from 5.30%
- Sep 16, 20265.30%first recorded
As Low As; Finance up to 120% of the vehicle value
As Low As
- Oct 9, 20265.24%▲ from 4.99%
- Sep 17, 20264.99%first recorded
As Low As
- Oct 9, 20265.24%▲ from 4.99%
- Sep 17, 20264.99%first recorded
As Low As
- Oct 9, 20265.24%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As
- Oct 9, 20265.24%▲ from 4.99%
- Sep 14, 20264.99%first recorded
Credit Rating: B
- Oct 8, 20265.25%▲ from 5.15%
- Sep 16, 20265.15%first recorded
Credit Rating: A+
- Oct 8, 20265.35%▲ from 5.30%
- Sep 16, 20265.30%first recorded
As Low As; Finance up to 120% of the vehicle value
Credit Rating: B
- Oct 8, 20265.45%▲ from 5.30%
- Sep 16, 20265.30%first recorded
Credit Rating: A
- Oct 8, 20265.45%▲ from 5.30%
- Sep 16, 20265.30%first recorded
As Low As
- Oct 9, 20265.49%▲ from 5.24%
- Sep 14, 20265.24%first recorded
As Low As
- Oct 9, 20265.49%▲ from 5.24%
- Sep 14, 20265.24%first recorded
As Low As; Fixed-rate new car loan; 60-month option; as of Nov. 5, 2026; excludes additional BofA Rewards discount up to 0.50%
As Low As; New (<10K miles)
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; 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; Loan Amount: $15,000 to $35,000; Up to 125% of MSRP to include tax, tags, warranties and GAP; New auto = untitled model year 2026 or newer
As Low As; Loan Amount: $15,000 to $35,000; Amount: Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP; Model years 2024 and 2025 untitled or current-year models
Credit Rating: C
- Oct 8, 20265.80%▲ from 5.70%
- Sep 16, 20265.70%first recorded
As Low As; Finance up to 120% of the vehicle value
As Low As; Finance up to 100% of the purchase price; Pre-approval available; purchase invoice and proof of insurance required
Credit Rating: B
- Oct 8, 20265.95%▲ from 5.80%
- Sep 16, 20265.80%first recorded
Credit Rating: A+
- Oct 8, 20266.00%▲ from 5.85%
- Sep 16, 20265.85%first recorded
Financing amount: $45,000; For online applicants with an excellent credit history
- Oct 31, 20266.09%▲ from 6.04%
- Oct 26, 20266.04%▼ from 6.24%
- Oct 14, 20266.24%first recorded
APR based on 60 months and $45,000 financing; for online applicants with excellent credit; new car purchase
- Oct 31, 20266.09%▼ from 6.24%
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
Credit Rating: A
- Oct 8, 20266.10%▲ from 5.85%
- Sep 16, 20265.85%first recorded
Credit Rating: C
- Oct 8, 20266.15%▲ from 6.05%
- Sep 16, 20266.05%first recorded
Term: 76-84 month term ($30K+); As Low As; New (<10K miles); Vehicle loan; Loan amount $30K+
As Low As; New (<10K miles); $30K+ loan amount
As Low As; $25,000 minimum required
- Oct 9, 20266.24%▲ from 5.99%
- Sep 14, 20265.99%first recorded
As Low As; $25,000 minimum required
- Oct 9, 20266.24%▲ from 5.99%
- Sep 14, 20265.99%first recorded
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As; Model Year: 2019 Model Year and Older; Vehicle Value Minimum: $3,000.00; Loan Amount Minimum: $1,000.00; Maximum APR: 12.89%
- Oct 26, 20266.44%▲ from 5.94%
- Oct 13, 20265.94%▲ from 5.69%
- Oct 1, 20265.69%▲ from 5.44%
- Sep 14, 20265.44%first recorded
As Low As; Finance up to 100% of the purchase price; Pre-approval available; purchase invoice and proof of insurance required
Credit Rating: B
- Oct 8, 20266.60%▲ from 6.35%
- Sep 16, 20266.35%first recorded
As Low As; Model Year: 2019 Model Year and Older; Vehicle Value Minimum: $12,000.00; Loan Amount Minimum: $4,000.00; Maximum APR: 12.89%
- Oct 26, 20266.89%▲ from 6.39%
- Oct 13, 20266.39%▲ from 6.14%
- Oct 1, 20266.14%▲ from 5.89%
- Sep 14, 20265.89%first recorded
As Low As; Loan Amount: $35,000+; Up to 125% of MSRP to include tax, tags, warranties and GAP; New auto = untitled model year 2026 or newer
As Low As; Loan Amount: $35,000+; Amount: Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP; Model years 2024 and 2025 untitled or current-year models
Credit Rating: C
- Oct 8, 20267.25%▲ from 7.15%
- Sep 16, 20267.15%first recorded
As Low As; New & Used; Term column: 1-75 Months
- Oct 23, 20267.49%▲ from 7.24%
- Sep 12, 20267.24%first recorded
As Low As; Model Year: 2019 Model Year and Older; Vehicle Value Minimum: $20,000.00; Loan Amount Minimum: $6,000.00; Maximum APR: 12.89%
- Oct 26, 20267.54%▲ from 7.04%
- Oct 13, 20267.04%▲ from 6.79%
- Oct 1, 20266.79%▲ from 6.54%
- Sep 14, 20266.54%first recorded
As Low As; Advertised APR assumes excellent credit; Minimum loan amount $30,000 for 84-96 months; Terms over 84 months only for vehicles with fewer than 7,500 miles; New vehicles (2025 and newer, under 30,000 miles); Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Minimum loan amount is $30,000 for terms of 85-96 months; Rates as of Nov 05, 2026 ET
Credit Rating: C
- Oct 8, 20267.70%▲ from 7.55%
- Sep 16, 20267.55%first recorded
Philadelphia Used Auto Auto Loan Rates
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; APR; Rates are based on applicant's credit worthiness; Your actual rate may vary
As Low As; w/ Auto Pay Discount; Rates are based on applicant's credit worthiness; Your actual rate may vary
As Low As; APR; Rates are based on applicant's credit worthiness; Your actual rate may vary
As Low As; w/ Auto Pay Discount; Rates are based on applicant's credit worthiness; Your actual rate may vary
As Low As; APR; Rates are based on applicant's credit worthiness; Your actual rate may vary
As Low As
As Low As; w/ Auto Pay Discount; Only available for loan amounts in excess of $20,000; Eligible vehicles are model year 2020 or newer with less than 80K miles; Rates are based on applicant's credit worthiness; Your actual rate may vary
As Low As; APR; Only available for loan amounts in excess of $20,000; Eligible vehicles are model year 2020 or newer with less than 80K miles; Rates are based on applicant's credit worthiness; Your actual rate may vary
As Low As; w/ Auto Pay Discount; Only available for loan amounts in excess of $30,000; Eligible vehicles are model year 2021 or newer with less than 60K miles; Rates are based on applicant's credit worthiness; Your actual rate may vary
As Low As; APR; Only available for loan amounts in excess of $30,000; Eligible vehicles are model year 2021 or newer with less than 60K miles; Rates are based on applicant's credit worthiness; Your actual rate may vary
Credit Rating: A+
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
As Low As; Loan Amount: Up to $15,000; Amount: Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP; Model years 2024 and 2025 untitled or current-year models
Credit Rating: A
- Oct 8, 20265.15%▼ from 5.20%
- Sep 25, 20265.20%first recorded
Credit Rating: A+
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
As Low As
- Oct 9, 20265.24%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As
- Oct 9, 20265.24%▲ from 4.99%
- Sep 14, 20264.99%first recorded
Credit Rating: A
- Oct 8, 20265.25%▼ from 5.30%
- Sep 25, 20265.30%first recorded
Credit Rating: A+
Credit Rating: B
- Oct 8, 20265.30%▲ from 5.20%
- Sep 25, 20265.20%first recorded
Credit Rating: A
- Oct 8, 20265.35%▲ from 5.25%
- Sep 25, 20265.25%first recorded
Credit Rating: A+
- Oct 8, 20265.35%▲ from 5.25%
- Sep 25, 20265.25%first recorded
Credit Rating: B
- Oct 8, 20265.40%▲ from 5.30%
- Sep 25, 20265.30%first recorded
Credit Rating: A
- Oct 8, 20265.45%▼ from 5.60%
- Sep 25, 20265.60%first recorded
As Low As
- Oct 9, 20265.49%▲ from 5.24%
- Sep 14, 20265.24%first recorded
As Low As; Vehicle years 2019 - 2023; Loan Amount: Up to $15,000; Amount: Up to 100% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
Credit Rating: B
- Oct 8, 20265.55%▲ from 5.45%
- Sep 25, 20265.45%first recorded
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
Credit Rating: A+
- Oct 8, 20265.65%▲ from 5.60%
- Sep 25, 20265.60%first recorded
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
Credit Rating: B
- Oct 8, 20265.75%▲ from 5.60%
- Sep 25, 20265.60%first recorded
Credit Rating: A
- Oct 8, 20265.75%▲ from 5.60%
- Sep 25, 20265.60%first recorded
As Low As; Loan Amount: $15,000 to $35,000; Amount: Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP; Model years 2024 and 2025 untitled or current-year models
As Low As; Fixed-rate used car loan; 60-month option; as of Nov. 5, 2026; excludes additional BofA Rewards discount up to 0.50%
As Low As; Used (2021-2026) vehicle; Vehicle Loans
Financing amount: $30,000; For online applicants with an excellent credit history
- Oct 26, 20266.09%▼ from 6.29%
- Oct 14, 20266.29%first recorded
APR based on 60 months and $30,000 financing; for online applicants with excellent credit; used car purchase
- Oct 31, 20266.09%▼ from 6.29%
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
Credit Rating: C
- Oct 8, 20266.10%▲ from 6.00%
- Sep 25, 20266.00%first recorded
As Low As; Used (2020 & Older) vehicle loan
As Low As; $25,000 minimum required
- Oct 9, 20266.24%▲ from 5.99%
- Sep 14, 20265.99%first recorded
Credit Rating: B
- Oct 8, 20266.25%▲ from 6.10%
- Sep 25, 20266.10%first recorded
Credit Rating: A+
- Oct 8, 20266.25%▲ from 6.15%
- Sep 25, 20266.15%first recorded
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
As Low As; Vehicle years 2019 - 2023; Loan Amount: $15,000 to $35,000; Amount: Up to 100% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
Credit Rating: A
- Oct 8, 20266.40%▲ from 6.15%
- Sep 25, 20266.15%first recorded
As Low As; Model Year: 2019 Model Year and Older; Vehicle Value Minimum: $3,000.00; Loan Amount Minimum: $1,000.00; Maximum APR: 12.89%
- Oct 26, 20266.44%▲ from 5.94%
- Oct 13, 20265.94%▲ from 5.69%
- Oct 1, 20265.69%▲ from 5.44%
- Sep 14, 20265.44%first recorded
Credit Rating: C
- Oct 8, 20266.45%▲ from 6.35%
- Sep 25, 20266.35%first recorded
As Low As; Used (2021-2026) vehicle; Loan amount $30K+; Vehicle Loans
As Low As; Used (2020 & Older) vehicle loan; $30K+ loan amount
As Low As; Model Year: 2019 Model Year and Older; Vehicle Value Minimum: $12,000.00; Loan Amount Minimum: $4,000.00; Maximum APR: 12.89%
- Oct 26, 20266.89%▲ from 6.39%
- Oct 13, 20266.39%▲ from 6.14%
- Oct 1, 20266.14%▲ from 5.89%
- Sep 14, 20265.89%first recorded
Credit Rating: B
- Oct 8, 20266.90%▲ from 6.65%
- Sep 25, 20266.65%first recorded
As Low As; Loan Amount: $35,000+; Amount: Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP; Model years 2024 and 2025 untitled or current-year models
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
As Low As; Vehicle years 2019 - 2023; Loan Amount: $35,000+; Amount: Up to 100% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
As Low As; New & Used; Term column: 1-75 Months
- Oct 23, 20267.49%▲ from 7.24%
- Sep 12, 20267.24%first recorded
As Low As; Model Year: 2019 Model Year and Older; Vehicle Value Minimum: $20,000.00; Loan Amount Minimum: $6,000.00; Maximum APR: 12.89%
- Oct 26, 20267.54%▲ from 7.04%
- Oct 13, 20267.04%▲ from 6.79%
- Oct 1, 20266.79%▲ from 6.54%
- Sep 14, 20266.54%first recorded
Credit Rating: C
- Oct 8, 20267.55%▲ from 7.45%
- Sep 25, 20267.45%first recorded
Philadelphia, PA Auto Loan Rate Trends
Compare local Philadelphia, 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 0.014 points over the past 7 days to 5.400% APR.
Pennsylvania used auto rates rose 0.007 points over the past 7 days to 6.254% APR.
Philadelphia, 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 @ 5.40% APR PA average | Used Auto @ 6.25% APR PA average | Monthly Difference |
|---|---|---|---|
| $15,000 | $285.82/mo | $291.77/mo | $5.94/mo |
| $25,000 | $476.37/mo | $486.28/mo | $9.91/mo |
| $35,000 | $666.92/mo | $680.79/mo | $13.87/mo |
| $45,000 | $857.47/mo | $875.30/mo | $17.83/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 Philadelphia, Pennsylvania
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Philadelphia, 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 Philadelphia, 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: Philadelphia, Pennsylvania CD rates lock in a guaranteed return until you’re ready to buy
Philadelphia, Pennsylvania Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $572 monthly car payment works out to roughly 16.1% of the median individual income in Philadelphia, 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 Philadelphia, 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 Philadelphia, 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 Philadelphia, 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 Philadelphia, 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 Philadelphia, 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 Philadelphia, 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 Philadelphia, Pennsylvania
What are auto loan rates in Philadelphia, Pennsylvania today?
How does my credit score affect my car loan rate in Philadelphia, 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 Philadelphia, 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 Philadelphia, Pennsylvania?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Philadelphia, Pennsylvania?
- American Airlines Federal Credit Union: 3.34% (New Auto)
- Advantage Financial Credit Union: 3.89% (Auto Loan - Same Rate on New or Used Vehicles)
- Navy Federal Credit Union: 4.19% (MissionAssistTM Auto - New Auto Loan)
- FedChoice Federal Credit Union: 4.50% (Vehicle Loan)
- Eagle One Federal Credit Union: 4.50% (Auto Loan)
Philadelphia, Pennsylvania Rates & Resources
