Pittsburgh, PA Best Auto Loan Rates for November 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Pittsburgh, Pennsylvania auto loan rates range from 3.75% to 17.75% APR, verified by MonitorBankRates as of November 9, 2026. Current auto loan rates in Pittsburgh, Pennsylvania include U S Postal Service Credit UnionU S Postal Service Credit Union1001 California Ave, Pittsburgh, PA, 15290A+5.0 ★Texas Ratio: 4.33%Rate verified Nov 9, 2026 offering Vehicle Loan - 36 Month Term at 3.75%, Iron Workers Credit UnionIron Workers Credit Union2201 Liberty Ave Ste 201, Pittsburgh, PA, 15222 4512B+4.0 ★Texas Ratio: 4.92%Rate verified Nov 9, 2026 offering New Vehicle Loan at 3.99%, Bayer Heritage Federal Credit UnionBayer Heritage Federal Credit Union111 Parkwest Dr, Pittsburgh, PA, 15275 1112A5.0 ★Texas Ratio: 11.93%Rate verified Nov 7, 2026 offering New/Used Vehicles Loan at 4.00%, IBEW Local No 5 Federal Credit UnionIBEW Local No 5 Federal Credit Union5 Hot Metal St Ste 201, Pittsburgh, PA, 15203 2351A+5.0 ★Texas Ratio: 0.24%Rate verified Nov 7, 2026 offering New / Used Vehicles Loan at 4.00%, Post Gazette Credit UnionPost Gazette Credit Union358 N Shore Dr Fl 3DR, PITTSBURGH, PA, 15212 5876A+5.0 ★Texas Ratio: 2.26%Rate verified Nov 9, 2026 offering New Vehicle Loan at 4.00%. Auto loan rates as of November 9, 2026 according to verified data from MonitorBankRates.
Pittsburgh has 20 local institutions in our database, with auto loan rates as low as 3.75% APR from U S Postal Service Credit Union at 1001 California Ave, Pittsburgh, PA, 15290. 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 Pittsburgh, Pennsylvania. Auto Loan Rates Last Updated and Verified: November 9, 2026
Compare Auto Loan Rates Today in Pittsburgh, Pennsylvania & Surrounding Area
Pittsburgh Auto Loan Rates
As Low As; with Relationship Rewards
As Low As; Loan Rates (subject to change at any time)
- Nov 9, 20263.99%▼ from 5.99%
- Sep 14, 20265.99%first recorded
Score: 730+; Grade of Paper: A+; Secured Advances
Score: 730+; Grade of Paper: A+; Secured Advances
Rate range: 4.00%-14.05%; Maximum amount to borrow $150,000.00
- Oct 9, 20264.00%▲ from 3.75%
- Sep 17, 20263.75%first recorded
Rate range: 4.00%-13.00%; Maximum amount to borrow $150,000.00
- Oct 9, 20264.00%▲ from 3.75%
- Sep 17, 20263.75%first recorded
Rate range: 4.00%-10.45%; Maximum amount to borrow: $150,000.00; Rate is based on credit score
- Oct 9, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Vehicle: under 1,000 miles; Model Year: 2023-2026; $50,000 maximum
Vehicle: under 1,000 miles; Model Year: 2023-2026; $50,000 maximum
Score: 730+; Grade of Paper: A+; Secured Advances
Rate range: 4.25%- 14.25%; Maximum amount to borrow $150,000.00
- Oct 9, 20264.25%▲ from 4.00%
- Sep 17, 20264.00%first recorded
As Low As; 100-80% LTV on Cars, Vans, Trucks, and Motorcycles; Never been Titled; Rates effective 10-15-2024; up to 120 days to refinance to receive New rate
APR range: 4.49% to 6.49%; Up to 100% of price plus taxes and transfer fees.
Score: 730+; Grade of Paper: A+; Secured Advances
- Oct 13, 20264.50%▼ from 6.50%
- Sep 17, 20266.50%first recorded
Score: 680 - 729; Grade of Paper: A; Secured Advances
Score: 680 - 729; Grade of Paper: A; Secured Advances
Rate range: 4.50%- 12.75%; Maximum amount to borrow $150,000.00; Used vehicles can be financed up to 72 months
- Oct 9, 20264.50%▲ from 4.25%
- Sep 17, 20264.25%first recorded
As Low As; Starting April 1, 2025: Limited Time Offer on New & Used Vehicles (excluding recreational & motorcycles); APR*
Vehicle: DEMO under 15,000 miles; Model Year: 2023-2026; $40,000 maximum
Vehicle: under 1,000 miles; Model Year: 2023-2026; $50,000 maximum
Model Year: 2019-2025; $25,000 maximum
As Low As; 100-80% LTV on Cars, Vans, Trucks, and Motorcycles; Never been Titled; Rates effective 10-15-2024; up to 120 days to refinance to receive New rate
As Low As; Model Year: 2023-2025; Loan Rates (subject to change at any time)
- Nov 9, 20264.50%▼ from 6.50%
- Oct 19, 20266.50%first recorded
Credit Level: Gold; Credit Score: 730 and Up; Financing: 100%
Score: 680 - 729; Grade of Paper: A; Secured Advances
Score: 680 - 729; Grade of Paper: A; Secured Advances
- Oct 13, 20264.75%▼ from 6.50%
- Sep 17, 20266.50%first recorded
As Low As; 100-80% LTV on Cars, Vans, Trucks, and Motorcycles; Never been Titled; Rates effective 10-15-2024; up to 120 days to refinance to receive New rate
As Low As; Title loans cannot be refinanced or have a Reconstructed/Salvaged Title; NADA Value 'Previously owned'; 100-80% LTV; Rates effective 10-15-2024
Vehicle: under 1,000 miles; Model Year: 2023-2026; $50,000 maximum
As Low As; Model years: 2026-2027
Score: 730+; Grade: A+
Rate range: 5.00%-10.45%; Maximum amount to borrow $150,000.00; New vehicles can be financed up to 84 months
- Oct 9, 20265.00%▲ from 4.75%
- Sep 17, 20264.75%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Rate range: 5.00%-14.25%; Maximum amount to borrow: $150,000.00; Rate is based on credit score
- Oct 9, 20265.00%▼ from 5.25%
- Sep 14, 20265.25%first recorded
Vehicle: DEMO under 15,000 miles; Model Year: 2023-2026; $40,000 maximum
Model Year: 2019-2025; $25,000 maximum
Model Year: 2017-2018; $25,000 maximum
As Low As; 100-80% LTV on Cars, Vans, Trucks, and Motorcycles; Never been Titled; Rates effective 10-15-2024; up to 120 days to refinance to receive New rate
As Low As; Title loans cannot be refinanced or have a Reconstructed/Salvaged Title; NADA Value 'Previously owned'; 100-80% LTV; Rates effective 10-15-2024
As Low As; Model Year: 2024-2026
As Low As; Model years: 2026-2027
Credit Level: Gold; Credit Score: 730 and Up; Financing: 100%
Score: 680 - 729; Grade of Paper: A; Secured Advances
- Oct 13, 20265.25%▼ from 7.00%
- Sep 17, 20267.00%first recorded
As Low As; Starting April 1, 2025: Limited Time Offer on New & Used Vehicles (excluding recreational & motorcycles); APR*
As Low As; Model Year: 2024-2026
As Low As; Model Year: 2021-2023
As Low As; Model Year: 2021-2023
As Low As; Homepage featured rate
- Oct 6, 20265.49%▲ from 5.24%
- Sep 14, 20265.24%first recorded
Model years 2019 - 2025 over 10K miles
Vehicle: DEMO under 15,000 miles; Model Year: 2023-2026; $40,000 maximum
Model Year: 2019-2025; $25,000 maximum
Model Year: 2017-2018; $25,000 maximum
As Low As; 100-80% LTV on Cars, Vans, Trucks, and Motorcycles; Never been Titled; Rates effective 10-15-2024; up to 120 days to refinance to receive New rate
As Low As; Model Year: 2019-2022; Loan Rates (subject to change at any time)
- Nov 9, 20265.50%▼ from 7.50%
- Oct 19, 20267.50%first recorded
As Low As; Model Year: 2024-2026
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 Level: Crystal; Credit Score: 669 - 620; Financing: 100%
Credit Level: Silver; Credit Score: 729 - 670; Financing: 100%
Credit Level: Gold; Credit Score: 730 and Up; Financing: 100%
APR range: 5.75% to 7.75%; May be able to finance up to 100% of price plus taxes and transfer fees.
APR range: 5.75% to 7.75%; May be able to finance up to 100% of price plus taxes and transfer fees.
Score: 730+; Grade of Paper: A+; Secured Advances
- Oct 13, 20265.75%▼ from 7.50%
- Sep 17, 20267.50%first recorded
As Low As; Starting April 1, 2025: Limited Time Offer on New & Used Vehicles (excluding recreational & motorcycles); APR*
As Low As; Starting April 1, 2025: Limited Time Offer on New & Used Vehicles (excluding recreational & motorcycles); APR*
As Low As; NADA Value. "Previously owned". 100-80% LTV. Title loans cannot be refinanced or have a Reconstructed/Salvaged Title.
As Low As; Title loans cannot be refinanced or have a Reconstructed/Salvaged Title; NADA Value 'Previously owned'; 100-80% LTV; Rates effective 10-15-2024
As Low As; Model Year: 2021-2023
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%
Rates quoted do not require payroll deduction or electronic payment; Member must maintain $50 balance in share account
Rates quoted do not require payroll deduction or electronic payment; Member must maintain $50 balance in share account
Rates quoted do not require payroll deduction or electronic payment; Member must maintain $50 balance in share account
Rates quoted do not require payroll deduction or electronic payment; Member must maintain $50 balance in share account
As Low As; Model Year: 2019-2020
Model years 2019 - 2025 over 10K miles
Credit Level: Gold; Credit Score: 730 and Up; Financing: 100%
Credit Level: Silver; Credit Score: 729 - 670; Financing: 100%
As Low As; Credit-based lending based on FICO score
- Nov 7, 20266.00%▲ from 5.10%
- Oct 4, 20265.10%▲ from 5.00%
- Sep 14, 20265.00%first recorded
Score: 680 - 729; Grade of Paper: A; Secured Advances
- Oct 13, 20266.00%▼ from 7.50%
- Sep 17, 20267.50%first recorded
Vehicle: DEMO under 15,000 miles; Model Year: 2023-2026; $40,000 maximum
Model Year: 2019-2025; $25,000 maximum
Model Year: 2017-2018; $25,000 maximum
As Low As; 100-80% LTV; NADA Value; 7 Years & Older; Rates effective 10-15-2024
As Low As; NADA Value. "Previously owned". 100-80% LTV. Title loans cannot be refinanced or have a Reconstructed/Salvaged Title.
As Low As; Rates effective 10/19/2026; Rates may vary based on term and credit history
As Low As; Model Year: 2022 & 2023; Loan rates discounted 0.25% for CHFCU checking account holders with direct deposit and auto pay, plus an additional 0.25% for 80% LTV or less for collateralized vehicles
- Sep 25, 20266.04%▲ from 5.84%
- Sep 16, 20265.84%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
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%
As Low As; Model Year: 2019-2020
Minimum Credit Score 650; Rate reflects .25% discount for automatic payments; Borrow up to 100% of the value in the car
As Low As; Credit-based lending based on FICO score
- Nov 7, 20266.15%▲ from 5.35%
- Oct 4, 20265.35%▲ from 5.30%
- Sep 14, 20265.30%first recorded
As Low As; Model Year: 2024 & 2025; Loan rates discounted 0.25% for CHFCU checking account holders with direct deposit and auto pay, plus an additional 0.25% for 80% LTV or less for collateralized vehicles
- Sep 25, 20266.19%▲ from 6.04%
- Sep 16, 20266.04%first recorded
As Low As; Amount: $30,000 or more; Model years: 2026-2027
As Low As; Model years: 2021-2026 previously titled
Credit Level: Gold; Credit Score: 730 and Up; Financing: 100%
Score: 640 - 679; Grade of Paper: B; Secured Advances
Score: 640 - 679; Grade of Paper: B; Secured Advances
As Low As; Starting April 1, 2025: Limited Time Offer on New & Used Vehicles (excluding recreational & motorcycles); APR*
As Low As; NADA Value. "Previously owned". 100-80% LTV. Title loans cannot be refinanced or have a Reconstructed/Salvaged Title.
As Low As; Title loans cannot be refinanced or have a Reconstructed/Salvaged Title; NADA Value 'Previously owned'; 100-80% LTV; Rates effective 10-15-2024
As Low As; Model Year: 2023 - 2025
As Low As; Model Year: 2024-2026
Minimum Credit Score 650; Rate reflects .25% discount for automatic payments; Borrow up to 100% of the value in the car
As Low As; Vehicles older than seven (7) years may only be financed up to 100% of NADA Blue Book value with a maximum term of 36 months
- Nov 7, 20266.45%▲ from 5.55%
- Oct 8, 20265.55%first recorded
As Low As; Model Year: 2021-2023
As Low As; Model Year: 2018
As Low As; Credit-based lending based on FICO score
- Nov 7, 20266.50%▲ from 5.70%
- Oct 4, 20265.70%▲ from 5.60%
- Sep 14, 20265.60%first recorded
Score: 640 - 679; Grade of Paper: B; Secured Advances
Model Year: 2017-2018; $25,000 maximum
As Low As; Rates effective 10/19/2026; Rates may vary based on term and credit history
As Low As; Vehicles older than seven (7) years may only be financed up to 100% of NADA Blue Book value with a maximum term of 36 months
- Nov 7, 20266.55%▲ from 5.75%
- Oct 8, 20265.75%first recorded
As Low As; Model Year: 2018
As Low As; Model Year: 2023 - 2025
As Low As; Model Year: 2021 & older; Loan rates discounted 0.25% for CHFCU checking account holders with direct deposit and auto pay, plus an additional 0.25% for 80% LTV or less for collateralized vehicles
- Sep 25, 20266.64%▲ from 5.84%
- Sep 16, 20265.84%first recorded
Minimum Credit Score 650; Rate reflects .25% discount for automatic payments; Borrow up to 100% of the value in the car
As Low As; Vehicles older than seven (7) years may only be financed up to 100% of NADA Blue Book value with a maximum term of 36 months
- Nov 7, 20266.70%▲ from 5.90%
- Oct 8, 20265.90%first recorded
Model years 2019 - 2025 over 10K miles
As Low As; Model years: 2021-2026 previously titled
Credit Level: Crystal; Credit Score: 669 - 620; Financing: 100%
Credit Level: Gold; Credit Score: 730 and Up; Financing: 100%
Credit Level: Gold; Credit Score: 730 and Up; Financing: 100%
Score: 640 - 679; Grade of Paper: B; Secured Advances
As Low As; Starting April 1, 2025: Limited Time Offer on New & Used Vehicles (excluding recreational & motorcycles); APR*
As Low As; Rates effective 10/19/2026; Rates may vary based on term and credit history
As Low As; Credit-based lending based on FICO score
- Nov 7, 20266.85%▲ from 6.05%
- Oct 4, 20266.05%▲ from 5.90%
- Sep 14, 20265.90%first recorded
As Low As; Vehicles older than seven (7) years may only be financed up to 100% of NADA Blue Book value with a maximum term of 36 months
- Nov 7, 20266.95%▲ from 6.15%
- Oct 8, 20266.15%first recorded
Model Year: 2027 - 2026; Effective as of 9/29/2026; Member must maintain $50 balance in share account
Model Year: 2025 - 2024; Effective as of 9/29/2026; Member must maintain $50 balance in share account
Model Year: 2023 - 2022; Effective as of 9/29/2026; Member must maintain $50 balance in share account
Model Year: 2021 - 2020; Effective as of 9/29/2026; Member must maintain $50 balance in share account
Model Year: 2019 - 2017; Effective as of 9/29/2026; Member must maintain $50 balance in share account
Credit Level: Silver; Credit Score: 729 - 670; Financing: 100%
Credit Level: Silver; Credit Score: 729 - 670; Financing: 100%
As Low As; 100-80% LTV; NADA Value; 7 Years & Older; Rates effective 10-15-2024
As Low As; NADA Value. "Previously owned". 100-80% LTV. Title loans cannot be refinanced or have a Reconstructed/Salvaged Title.
As Low As; Title loans cannot be refinanced or have a Reconstructed/Salvaged Title; NADA Value 'Previously owned'; 100-80% LTV; Rates effective 10-15-2024
As Low As; Model Year: 2023 - 2025
Model years 2019 - 2025 over 10K miles
As Low As; Rates in effect 9/21/2026; Discounted 0.25% for CHFCU checking account holders with direct deposit and auto pay
Score: 640 - 679; Grade of Paper: B; Secured Advances
Model years 2018 or older
As Low As; Amount: $30,000 or more; Model years: 2021-2026 previously titled
As Low As; Rates in effect 9/21/2026; Discounted 0.25% for CHFCU checking account holders with direct deposit and auto pay
As Low As; Credit-based lending based on FICO score
- Nov 7, 20267.50%▲ from 7.25%
- Oct 4, 20267.25%▲ from 7.15%
- Sep 14, 20267.15%first recorded
Credit Level: Crystal; Credit Score: 669 - 620; Financing: 100%
Score: 600 - 639; Grade of Paper: C; Secured Advances
Score: 600 - 639; Grade of Paper: C; Secured Advances
As Low As; 100-80% LTV; NADA Value; 7 Years & Older; Rates effective 10-15-2024
As Low As; Model Year: 2019 - 2022
Model years 2018 or older
- Oct 8, 20268.00%▲ from 6.75%
- Sep 16, 20266.75%first recorded
Credit Level: Crystal; Credit Score: 669 - 620; Financing: 100%
Credit Level: Gold; Credit Score: 730 and Up; Financing: 100%
As Low As; Rates in effect 9/21/2026; Discounted 0.25% for CHFCU checking account holders with direct deposit and auto pay
Score: 640 - 679; Grade of Paper: B; Secured Advances
- Oct 13, 20268.00%▲ from 7.75%
- Sep 17, 20267.75%first recorded
As Low As; Model Year: 2019 - 2022
Credit Level: Crystal; Credit Score: 669 - 620; Financing: 100%
Credit Level: Silver; Credit Score: 729 - 670; Financing: 100%
Score: 600 - 639; Grade of Paper: C; Secured Advances
As Low As; Rates in effect 9/21/2026; Discounted 0.25% for CHFCU checking account holders with direct deposit and auto pay
Credit Level: Gold; Credit Score: 730 and Up; Financing: 100%
Score: 600 - 639; Grade of Paper: C; Secured Advances
Credit Level: Crystal; Credit Score: 669 - 620; Financing: 100%
As Low As; Rates in effect 9/21/2026; Discounted 0.25% for CHFCU checking account holders with direct deposit and auto pay
Score: 600 - 639; Grade of Paper: C; Secured Advances
As Low As; Rates in effect 9/21/2026; Discounted 0.25% for CHFCU checking account holders with direct deposit and auto pay
Score: 600 - 639; Grade of Paper: C; Secured Advances
- Oct 13, 202610.50%▲ from 9.75%
- Sep 17, 20269.75%first recorded
Score: 550 - 599; Grade of Paper: D; Secured Advances
Score: 550 - 599; Grade of Paper: D; Secured Advances
Score: 550 - 599; Grade of Paper: D; Secured Advances
Credit Level: Bronze; Credit Score: 619 - 570; Financing: 100%
Score: 550 - 599; Grade of Paper: D; Secured Advances
- Oct 13, 202614.25%▼ from 16.25%
- Sep 17, 202616.25%first recorded
Score: 549 or Less; Grade of Paper: E; Secured Advances
Credit Level: Bronze; Credit Score: 619 - 570; Financing: 100%
Credit Level: Bronze; Credit Score: 619 - 570; Financing: 100%
Score: 550 - 599; Grade of Paper: D; Secured Advances
- Oct 13, 202615.25%▼ from 17.25%
- Sep 17, 202617.25%first recorded
Score: 549 or Less; Grade of Paper: E; Secured Advances
Score: 549 or Less; Grade of Paper: E; Secured Advances
Credit Level: Bronze; Credit Score: 619 - 570; Financing: 100%
Credit Level: Bronze; Credit Score: 619 - 570; Financing: 100%
Credit Level: Quartz; Credit Score: 569 and Under; Financing: 100%
Score: 549 or Less; Grade of Paper: E; Secured Advances
Credit Level: Bronze; Credit Score: 619 - 570; Financing: 100%
Score: 550 - 599; Grade of Paper: D; Secured Advances
- Oct 13, 202616.50%▼ from 17.25%
- Sep 17, 202617.25%first recorded
Score: 549 or Less; Grade of Paper: E; Secured Advances
Credit Level: Bronze; Credit Score: 619 - 570; Financing: 100%
Credit Level: Bronze; Credit Score: 619 - 570; Financing: 100%
Credit Level: Bronze; Credit Score: 619 - 570; Financing: 100%
Score: 549 or Less; Grade of Paper: E; Secured Advances
- Oct 13, 202617.50%▲ from 17.25%
- Sep 17, 202617.25%first recorded
Credit Level: Quartz; Credit Score: 569 and Under; Financing: 10%
Credit Level: Quartz; Credit Score: 569 and Under; Financing: 100%
Credit Level: Quartz; Credit Score: 569 and Under; Financing: 100%
Credit Level: Quartz; Credit Score: 569 and Under; Financing: 100%
Pittsburgh New Auto Auto Loan Rates
As Low As; Loan Rates (subject to change at any time)
- Nov 9, 20263.99%▼ from 5.99%
- Sep 14, 20265.99%first recorded
Score: 730+; Grade of Paper: A+; Secured Advances
Score: 730+; Grade of Paper: A+; Secured Advances
Rate range: 4.00%-14.05%; Maximum amount to borrow $150,000.00
- Oct 9, 20264.00%▲ from 3.75%
- Sep 17, 20263.75%first recorded
Rate range: 4.00%-13.00%; Maximum amount to borrow $150,000.00
- Oct 9, 20264.00%▲ from 3.75%
- Sep 17, 20263.75%first recorded
Rate range: 4.00%-10.45%; Maximum amount to borrow: $150,000.00; Rate is based on credit score
- Oct 9, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Vehicle: under 1,000 miles; Model Year: 2023-2026; $50,000 maximum
Vehicle: under 1,000 miles; Model Year: 2023-2026; $50,000 maximum
Score: 730+; Grade of Paper: A+; Secured Advances
Rate range: 4.25%- 14.25%; Maximum amount to borrow $150,000.00
- Oct 9, 20264.25%▲ from 4.00%
- Sep 17, 20264.00%first recorded
As Low As; 100-80% LTV on Cars, Vans, Trucks, and Motorcycles; Never been Titled; Rates effective 10-15-2024; up to 120 days to refinance to receive New rate
APR range: 4.49% to 6.49%; Up to 100% of price plus taxes and transfer fees.
Score: 730+; Grade of Paper: A+; Secured Advances
- Oct 13, 20264.50%▼ from 6.50%
- Sep 17, 20266.50%first recorded
Score: 680 - 729; Grade of Paper: A; Secured Advances
Score: 680 - 729; Grade of Paper: A; Secured Advances
Rate range: 4.50%- 12.75%; Maximum amount to borrow $150,000.00; Used vehicles can be financed up to 72 months
- Oct 9, 20264.50%▲ from 4.25%
- Sep 17, 20264.25%first recorded
As Low As; Starting April 1, 2025: Limited Time Offer on New & Used Vehicles (excluding recreational & motorcycles); APR*
Vehicle: under 1,000 miles; Model Year: 2023-2026; $50,000 maximum
As Low As; 100-80% LTV on Cars, Vans, Trucks, and Motorcycles; Never been Titled; Rates effective 10-15-2024; up to 120 days to refinance to receive New rate
Credit Level: Gold; Credit Score: 730 and Up; Financing: 100%
Score: 680 - 729; Grade of Paper: A; Secured Advances
Score: 680 - 729; Grade of Paper: A; Secured Advances
- Oct 13, 20264.75%▼ from 6.50%
- Sep 17, 20266.50%first recorded
As Low As; 100-80% LTV on Cars, Vans, Trucks, and Motorcycles; Never been Titled; Rates effective 10-15-2024; up to 120 days to refinance to receive New rate
Vehicle: under 1,000 miles; Model Year: 2023-2026; $50,000 maximum
As Low As; Model years: 2026-2027
Score: 730+; Grade: A+
Rate range: 5.00%-10.45%; Maximum amount to borrow $150,000.00; New vehicles can be financed up to 84 months
- Oct 9, 20265.00%▲ from 4.75%
- Sep 17, 20264.75%▲ from 3.75%
- Sep 14, 20263.75%first recorded
As Low As; 100-80% LTV on Cars, Vans, Trucks, and Motorcycles; Never been Titled; Rates effective 10-15-2024; up to 120 days to refinance to receive New rate
As Low As; Model years: 2026-2027
Credit Level: Gold; Credit Score: 730 and Up; Financing: 100%
Score: 680 - 729; Grade of Paper: A; Secured Advances
- Oct 13, 20265.25%▼ from 7.00%
- Sep 17, 20267.00%first recorded
As Low As; Starting April 1, 2025: Limited Time Offer on New & Used Vehicles (excluding recreational & motorcycles); APR*
As Low As; 100-80% LTV on Cars, Vans, Trucks, and Motorcycles; Never been Titled; Rates effective 10-15-2024; up to 120 days to refinance to receive New rate
As Low As; Fixed-rate new car loan; 60-month option; as of Nov. 5, 2026; excludes additional BofA Rewards discount up to 0.50%
Credit Level: Crystal; Credit Score: 669 - 620; Financing: 100%
Credit Level: Silver; Credit Score: 729 - 670; Financing: 100%
Score: 730+; Grade of Paper: A+; Secured Advances
- Oct 13, 20265.75%▼ from 7.50%
- Sep 17, 20267.50%first recorded
As Low As; Starting April 1, 2025: Limited Time Offer on New & Used Vehicles (excluding recreational & motorcycles); APR*
Rates quoted do not require payroll deduction or electronic payment; Member must maintain $50 balance in share account
Rates quoted do not require payroll deduction or electronic payment; Member must maintain $50 balance in share account
Rates quoted do not require payroll deduction or electronic payment; Member must maintain $50 balance in share account
Rates quoted do not require payroll deduction or electronic payment; Member must maintain $50 balance in share account
Credit Level: Gold; Credit Score: 730 and Up; Financing: 100%
As Low As; Credit-based lending based on FICO score
- Nov 7, 20266.00%▲ from 5.10%
- Oct 4, 20265.10%▲ from 5.00%
- Sep 14, 20265.00%first recorded
Score: 680 - 729; Grade of Paper: A; Secured Advances
- Oct 13, 20266.00%▼ from 7.50%
- Sep 17, 20267.50%first recorded
As Low As; Rates effective 10/19/2026; Rates may vary based on term and credit history
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%
As Low As; Credit-based lending based on FICO score
- Nov 7, 20266.15%▲ from 5.35%
- Oct 4, 20265.35%▲ from 5.30%
- Sep 14, 20265.30%first recorded
As Low As; Amount: $30,000 or more; Model years: 2026-2027
Score: 640 - 679; Grade of Paper: B; Secured Advances
Score: 640 - 679; Grade of Paper: B; Secured Advances
As Low As; Credit-based lending based on FICO score
- Nov 7, 20266.50%▲ from 5.70%
- Oct 4, 20265.70%▲ from 5.60%
- Sep 14, 20265.60%first recorded
Score: 640 - 679; Grade of Paper: B; Secured Advances
As Low As; Rates effective 10/19/2026; Rates may vary based on term and credit history
Credit Level: Crystal; Credit Score: 669 - 620; Financing: 100%
Credit Level: Gold; Credit Score: 730 and Up; Financing: 100%
Credit Level: Gold; Credit Score: 730 and Up; Financing: 100%
Score: 640 - 679; Grade of Paper: B; Secured Advances
As Low As; Rates effective 10/19/2026; Rates may vary based on term and credit history
As Low As; Credit-based lending based on FICO score
- Nov 7, 20266.85%▲ from 6.05%
- Oct 4, 20266.05%▲ from 5.90%
- Sep 14, 20265.90%first recorded
Credit Level: Silver; Credit Score: 729 - 670; Financing: 100%
Score: 640 - 679; Grade of Paper: B; Secured Advances
As Low As; Credit-based lending based on FICO score
- Nov 7, 20267.50%▲ from 7.25%
- Oct 4, 20267.25%▲ from 7.15%
- Sep 14, 20267.15%first recorded
Credit Level: Crystal; Credit Score: 669 - 620; Financing: 100%
Score: 600 - 639; Grade of Paper: C; Secured Advances
Score: 600 - 639; Grade of Paper: C; Secured Advances
Credit Level: Crystal; Credit Score: 669 - 620; Financing: 100%
Score: 640 - 679; Grade of Paper: B; Secured Advances
- Oct 13, 20268.00%▲ from 7.75%
- Sep 17, 20267.75%first recorded
Credit Level: Crystal; Credit Score: 669 - 620; Financing: 100%
Score: 600 - 639; Grade of Paper: C; Secured Advances
Score: 600 - 639; Grade of Paper: C; Secured Advances
Score: 600 - 639; Grade of Paper: C; Secured Advances
Score: 600 - 639; Grade of Paper: C; Secured Advances
- Oct 13, 202610.50%▲ from 9.75%
- Sep 17, 20269.75%first recorded
Score: 550 - 599; Grade of Paper: D; Secured Advances
Score: 550 - 599; Grade of Paper: D; Secured Advances
Score: 550 - 599; Grade of Paper: D; Secured Advances
Score: 550 - 599; Grade of Paper: D; Secured Advances
- Oct 13, 202614.25%▼ from 16.25%
- Sep 17, 202616.25%first recorded
Score: 549 or Less; Grade of Paper: E; Secured Advances
Score: 550 - 599; Grade of Paper: D; Secured Advances
- Oct 13, 202615.25%▼ from 17.25%
- Sep 17, 202617.25%first recorded
Score: 549 or Less; Grade of Paper: E; Secured Advances
Score: 549 or Less; Grade of Paper: E; Secured Advances
Credit Level: Bronze; Credit Score: 619 - 570; Financing: 100%
Score: 549 or Less; Grade of Paper: E; Secured Advances
Credit Level: Bronze; Credit Score: 619 - 570; Financing: 100%
Score: 550 - 599; Grade of Paper: D; Secured Advances
- Oct 13, 202616.50%▼ from 17.25%
- Sep 17, 202617.25%first recorded
Score: 549 or Less; Grade of Paper: E; Secured Advances
Credit Level: Bronze; Credit Score: 619 - 570; Financing: 100%
Credit Level: Bronze; Credit Score: 619 - 570; Financing: 100%
Credit Level: Bronze; Credit Score: 619 - 570; Financing: 100%
Score: 549 or Less; Grade of Paper: E; Secured Advances
- Oct 13, 202617.50%▲ from 17.25%
- Sep 17, 202617.25%first recorded
Credit Level: Quartz; Credit Score: 569 and Under; Financing: 10%
Pittsburgh Used Auto Auto Loan Rates
Score: 730+; Grade of Paper: A+; Secured Advances
Score: 730+; Grade of Paper: A+; Secured Advances
Rate range: 4.00%-14.05%; Maximum amount to borrow $150,000.00
- Oct 9, 20264.00%▲ from 3.75%
- Sep 17, 20263.75%first recorded
Rate range: 4.00%-13.00%; Maximum amount to borrow $150,000.00
- Oct 9, 20264.00%▲ from 3.75%
- Sep 17, 20263.75%first recorded
Score: 730+; Grade of Paper: A+; Secured Advances
Rate range: 4.25%- 14.25%; Maximum amount to borrow $150,000.00
- Oct 9, 20264.25%▲ from 4.00%
- Sep 17, 20264.00%first recorded
Score: 730+; Grade of Paper: A+; Secured Advances
- Oct 13, 20264.50%▼ from 6.50%
- Sep 17, 20266.50%first recorded
Score: 680 - 729; Grade of Paper: A; Secured Advances
Score: 680 - 729; Grade of Paper: A; Secured Advances
Rate range: 4.50%- 12.75%; Maximum amount to borrow $150,000.00; Used vehicles can be financed up to 72 months
- Oct 9, 20264.50%▲ from 4.25%
- Sep 17, 20264.25%first recorded
Model Year: 2019-2025; $25,000 maximum
As Low As; Model Year: 2023-2025; Loan Rates (subject to change at any time)
- Nov 9, 20264.50%▼ from 6.50%
- Oct 19, 20266.50%first recorded
Score: 680 - 729; Grade of Paper: A; Secured Advances
Score: 680 - 729; Grade of Paper: A; Secured Advances
- Oct 13, 20264.75%▼ from 6.50%
- Sep 17, 20266.50%first recorded
As Low As; Title loans cannot be refinanced or have a Reconstructed/Salvaged Title; NADA Value 'Previously owned'; 100-80% LTV; Rates effective 10-15-2024
Score: 730+; Grade: A+
Rate range: 5.00%-10.45%; Maximum amount to borrow $150,000.00; New vehicles can be financed up to 84 months
- Oct 9, 20265.00%▲ from 4.75%
- Sep 17, 20264.75%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Rate range: 5.00%-14.25%; Maximum amount to borrow: $150,000.00; Rate is based on credit score
- Oct 9, 20265.00%▼ from 5.25%
- Sep 14, 20265.25%first recorded
Model Year: 2019-2025; $25,000 maximum
Model Year: 2017-2018; $25,000 maximum
As Low As; Title loans cannot be refinanced or have a Reconstructed/Salvaged Title; NADA Value 'Previously owned'; 100-80% LTV; Rates effective 10-15-2024
Score: 680 - 729; Grade of Paper: A; Secured Advances
- Oct 13, 20265.25%▼ from 7.00%
- Sep 17, 20267.00%first recorded
Model years 2019 - 2025 over 10K miles
Model Year: 2019-2025; $25,000 maximum
Model Year: 2017-2018; $25,000 maximum
As Low As; Model Year: 2019-2022; Loan Rates (subject to change at any time)
- Nov 9, 20265.50%▼ from 7.50%
- Oct 19, 20267.50%first recorded
Credit Level: Gold; Credit Score: 730 and Up; Financing: 100%
APR range: 5.75% to 7.75%; May be able to finance up to 100% of price plus taxes and transfer fees.
APR range: 5.75% to 7.75%; May be able to finance up to 100% of price plus taxes and transfer fees.
Score: 730+; Grade of Paper: A+; Secured Advances
- Oct 13, 20265.75%▼ from 7.50%
- Sep 17, 20267.50%first recorded
As Low As; Starting April 1, 2025: Limited Time Offer on New & Used Vehicles (excluding recreational & motorcycles); APR*
As Low As; NADA Value. "Previously owned". 100-80% LTV. Title loans cannot be refinanced or have a Reconstructed/Salvaged Title.
As Low As; Title loans cannot be refinanced or have a Reconstructed/Salvaged Title; NADA Value 'Previously owned'; 100-80% LTV; Rates effective 10-15-2024
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%
Model years 2019 - 2025 over 10K miles
Credit Level: Silver; Credit Score: 729 - 670; Financing: 100%
Score: 680 - 729; Grade of Paper: A; Secured Advances
- Oct 13, 20266.00%▼ from 7.50%
- Sep 17, 20267.50%first recorded
Model Year: 2019-2025; $25,000 maximum
Model Year: 2017-2018; $25,000 maximum
As Low As; 100-80% LTV; NADA Value; 7 Years & Older; Rates effective 10-15-2024
As Low As; NADA Value. "Previously owned". 100-80% LTV. Title loans cannot be refinanced or have a Reconstructed/Salvaged Title.
As Low As; Model Year: 2022 & 2023; Loan rates discounted 0.25% for CHFCU checking account holders with direct deposit and auto pay, plus an additional 0.25% for 80% LTV or less for collateralized vehicles
- Sep 25, 20266.04%▲ from 5.84%
- Sep 16, 20265.84%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 $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%
As Low As; Model Year: 2024 & 2025; Loan rates discounted 0.25% for CHFCU checking account holders with direct deposit and auto pay, plus an additional 0.25% for 80% LTV or less for collateralized vehicles
- Sep 25, 20266.19%▲ from 6.04%
- Sep 16, 20266.04%first recorded
As Low As; Model years: 2021-2026 previously titled
Credit Level: Gold; Credit Score: 730 and Up; Financing: 100%
Score: 640 - 679; Grade of Paper: B; Secured Advances
Score: 640 - 679; Grade of Paper: B; Secured Advances
As Low As; Starting April 1, 2025: Limited Time Offer on New & Used Vehicles (excluding recreational & motorcycles); APR*
As Low As; NADA Value. "Previously owned". 100-80% LTV. Title loans cannot be refinanced or have a Reconstructed/Salvaged Title.
As Low As; Title loans cannot be refinanced or have a Reconstructed/Salvaged Title; NADA Value 'Previously owned'; 100-80% LTV; Rates effective 10-15-2024
As Low As; Model Year: 2023 - 2025
As Low As; Vehicles older than seven (7) years may only be financed up to 100% of NADA Blue Book value with a maximum term of 36 months
- Nov 7, 20266.45%▲ from 5.55%
- Oct 8, 20265.55%first recorded
Score: 640 - 679; Grade of Paper: B; Secured Advances
Model Year: 2017-2018; $25,000 maximum
As Low As; Vehicles older than seven (7) years may only be financed up to 100% of NADA Blue Book value with a maximum term of 36 months
- Nov 7, 20266.55%▲ from 5.75%
- Oct 8, 20265.75%first recorded
As Low As; Model Year: 2023 - 2025
As Low As; Model Year: 2021 & older; Loan rates discounted 0.25% for CHFCU checking account holders with direct deposit and auto pay, plus an additional 0.25% for 80% LTV or less for collateralized vehicles
- Sep 25, 20266.64%▲ from 5.84%
- Sep 16, 20265.84%first recorded
As Low As; Vehicles older than seven (7) years may only be financed up to 100% of NADA Blue Book value with a maximum term of 36 months
- Nov 7, 20266.70%▲ from 5.90%
- Oct 8, 20265.90%first recorded
Model years 2019 - 2025 over 10K miles
As Low As; Model years: 2021-2026 previously titled
Score: 640 - 679; Grade of Paper: B; Secured Advances
As Low As; Starting April 1, 2025: Limited Time Offer on New & Used Vehicles (excluding recreational & motorcycles); APR*
As Low As; Vehicles older than seven (7) years may only be financed up to 100% of NADA Blue Book value with a maximum term of 36 months
- Nov 7, 20266.95%▲ from 6.15%
- Oct 8, 20266.15%first recorded
Model Year: 2027 - 2026; Effective as of 9/29/2026; Member must maintain $50 balance in share account
Model Year: 2025 - 2024; Effective as of 9/29/2026; Member must maintain $50 balance in share account
Model Year: 2023 - 2022; Effective as of 9/29/2026; Member must maintain $50 balance in share account
Model Year: 2021 - 2020; Effective as of 9/29/2026; Member must maintain $50 balance in share account
Model Year: 2019 - 2017; Effective as of 9/29/2026; Member must maintain $50 balance in share account
Credit Level: Silver; Credit Score: 729 - 670; Financing: 100%
As Low As; 100-80% LTV; NADA Value; 7 Years & Older; Rates effective 10-15-2024
As Low As; NADA Value. "Previously owned". 100-80% LTV. Title loans cannot be refinanced or have a Reconstructed/Salvaged Title.
As Low As; Title loans cannot be refinanced or have a Reconstructed/Salvaged Title; NADA Value 'Previously owned'; 100-80% LTV; Rates effective 10-15-2024
As Low As; Model Year: 2023 - 2025
Model years 2019 - 2025 over 10K miles
Score: 640 - 679; Grade of Paper: B; Secured Advances
Model years 2018 or older
As Low As; Amount: $30,000 or more; Model years: 2021-2026 previously titled
Score: 600 - 639; Grade of Paper: C; Secured Advances
Score: 600 - 639; Grade of Paper: C; Secured Advances
As Low As; 100-80% LTV; NADA Value; 7 Years & Older; Rates effective 10-15-2024
As Low As; Model Year: 2019 - 2022
Model years 2018 or older
- Oct 8, 20268.00%▲ from 6.75%
- Sep 16, 20266.75%first recorded
Credit Level: Gold; Credit Score: 730 and Up; Financing: 100%
Score: 640 - 679; Grade of Paper: B; Secured Advances
- Oct 13, 20268.00%▲ from 7.75%
- Sep 17, 20267.75%first recorded
As Low As; Model Year: 2019 - 2022
Credit Level: Silver; Credit Score: 729 - 670; Financing: 100%
Score: 600 - 639; Grade of Paper: C; Secured Advances
Credit Level: Gold; Credit Score: 730 and Up; Financing: 100%
Score: 600 - 639; Grade of Paper: C; Secured Advances
Credit Level: Crystal; Credit Score: 669 - 620; Financing: 100%
Score: 600 - 639; Grade of Paper: C; Secured Advances
Score: 600 - 639; Grade of Paper: C; Secured Advances
- Oct 13, 202610.50%▲ from 9.75%
- Sep 17, 20269.75%first recorded
Score: 550 - 599; Grade of Paper: D; Secured Advances
Score: 550 - 599; Grade of Paper: D; Secured Advances
Score: 550 - 599; Grade of Paper: D; Secured Advances
Credit Level: Bronze; Credit Score: 619 - 570; Financing: 100%
Score: 550 - 599; Grade of Paper: D; Secured Advances
- Oct 13, 202614.25%▼ from 16.25%
- Sep 17, 202616.25%first recorded
Score: 549 or Less; Grade of Paper: E; Secured Advances
Credit Level: Bronze; Credit Score: 619 - 570; Financing: 100%
Credit Level: Bronze; Credit Score: 619 - 570; Financing: 100%
Score: 550 - 599; Grade of Paper: D; Secured Advances
- Oct 13, 202615.25%▼ from 17.25%
- Sep 17, 202617.25%first recorded
Score: 549 or Less; Grade of Paper: E; Secured Advances
Score: 549 or Less; Grade of Paper: E; Secured Advances
Credit Level: Bronze; Credit Score: 619 - 570; Financing: 100%
Credit Level: Quartz; Credit Score: 569 and Under; Financing: 100%
Score: 549 or Less; Grade of Paper: E; Secured Advances
Score: 550 - 599; Grade of Paper: D; Secured Advances
- Oct 13, 202616.50%▼ from 17.25%
- Sep 17, 202617.25%first recorded
Score: 549 or Less; Grade of Paper: E; Secured Advances
Score: 549 or Less; Grade of Paper: E; Secured Advances
- Oct 13, 202617.50%▲ from 17.25%
- Sep 17, 202617.25%first recorded
Credit Level: Quartz; Credit Score: 569 and Under; Financing: 100%
Credit Level: Quartz; Credit Score: 569 and Under; Financing: 100%
Credit Level: Quartz; Credit Score: 569 and Under; Financing: 100%
Pittsburgh, PA Auto Loan Rate Trends
Compare local Pittsburgh, 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.
Pittsburgh, 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 Pittsburgh, Pennsylvania
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Pittsburgh, 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 Pittsburgh, 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: Pittsburgh, Pennsylvania CD rates lock in a guaranteed return until you’re ready to buy
Pittsburgh, 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 16.8% of the median individual income in Pittsburgh, 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 Pittsburgh, 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 Pittsburgh, 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 Pittsburgh, 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 Pittsburgh, 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 Pittsburgh, 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 Pittsburgh, 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 Pittsburgh, Pennsylvania
What are auto loan rates in Pittsburgh, Pennsylvania today?
How does my credit score affect my car loan rate in Pittsburgh, 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 Pittsburgh, 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 Pittsburgh, Pennsylvania?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Pittsburgh, Pennsylvania?
- U S Postal Service Credit Union: 3.75% (Vehicle Loan - 36 Month Term)
- Iron Workers Credit Union: 3.99% (New Vehicle Loan)
- Bayer Heritage Federal Credit Union: 4.00% (New/Used Vehicles Loan)
- IBEW Local No 5 Federal Credit Union: 4.00% (New / Used Vehicles Loan)
- Post Gazette Credit Union: 4.00% (New Vehicle Loan)
Pittsburgh, Pennsylvania Rates & Resources
