Scranton, Pennsylvania Best Auto Loan Rates for November 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Scranton, Pennsylvania auto loan rates range from 2.99% to 8.85% APR, verified by MonitorBankRates as of November 9, 2026. Current auto loan rates in Scranton, Pennsylvania include Spojnia Credit UnionSpojnia Credit Union1006 Pittston Ave, Scranton, PA, 18505B4.5 ★Texas Ratio: 20.92%Rate verified Nov 8, 2026 offering New Vehicle Loan at 4.69%, Penn East Federal Credit UnionPenn East Federal Credit Union441 N 7th Ave, Scranton, PA, 18503A+5.0 ★Texas Ratio: 0.81%Rate verified Nov 7, 2026 offering Auto Loans 2024 - Newer at 5.24%, NET Credit UnionNET Credit Union119 Mulberry St, Scranton, PA, 18503A+5.0 ★Texas Ratio: 6.00%Rate verified Nov 9, 2026 offering Auto Loan at 5.39%, The Fidelity Deposit and Discount BankThe Fidelity Deposit and Discount Bank111 Green Ridge St, Scranton, PA, 18509A+5.0 ★Texas Ratio: 0.53%Rate verified Nov 5, 2026 offering Auto Loans - New/Used Cars 2023 & Above at 5.42%, Peoples Security BankPeoples Security Bank1901 Sanderson Ave, Scranton, PA, 18509A+5.0 ★Texas Ratio: 2.51%Rate verified Nov 5, 2026 offering New Car Loan at 6.04%. Auto loan rates as of November 9, 2026 according to verified data from MonitorBankRates.
Scranton has 9 local institutions in our database, with auto loan rates as low as 4.69% APR from Spojnia Credit Union at 1006 Pittston Ave, Scranton, PA, 18505. 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 Scranton, Pennsylvania. Auto Loan Rates Last Updated and Verified: November 9, 2026
Compare Auto Loan Rates Today in Scranton, Pennsylvania & Surrounding Area
Scranton Auto Loan Rates
Maximum $50,000.00
Some Restrictions Apply; Vehicles 2017 or newer
Some Restrictions Apply; Vehicles 2017 or newer
Maximum $50,000.00
Maximum $50,000.00
Maximum $50,000.00
Some Restrictions Apply; Vehicles 2017 or newer
As Low As; Annual Percentage Rate (as low as)
Some Restrictions Apply; Vehicles 2017 or newer
As Low As; based on credit score; Other terms and rates available from 24 - 84 months. Contact us for details.
- Oct 6, 20265.39%▲ from 5.09%
- Sep 14, 20265.09%first recorded
Payment and APR based on $25,000 amount financed; auto pay from Fidelity Bank checking required, otherwise rate .25% higher; effective November 05, 2026
As Low As; Annual Percentage Rate (as low as)
As Low As; Annual Percentage Rate (as low as)
As Low As; Annual Percentage Rate (as low as)
As Low As; Annual Percentage Rate (as low as)
As Low As; Annual Percentage Rate (as low as)
Model Year: 2026-2025
- Oct 20, 20266.04%▼ from 6.19%
- Sep 14, 20266.19%first recorded
Model Year: 2025-2024
- Oct 20, 20266.04%▼ from 6.19%
- Oct 14, 20266.19%▲ from 6.04%
- Oct 7, 20266.04%▼ from 6.19%
- Sep 14, 20266.19%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%
Model Year: 2023
- Oct 20, 20266.14%▼ from 6.29%
- Oct 14, 20266.29%▲ from 6.14%
- Oct 7, 20266.14%▼ from 6.29%
- Sep 14, 20266.29%first recorded
Payment and APR based on $25,000 amount financed; auto pay from Fidelity Bank checking required, otherwise rate .25% higher; effective November 05, 2026
As Low As; based on credit score; Other terms and rates available from 24 - 84 months. Contact us for details.
- Nov 5, 20266.19%▲ from 5.89%
- Oct 6, 20265.89%▲ from 5.39%
- Sep 14, 20265.39%first recorded
As Low As; Annual Percentage Rate (as low as)
As Low As; Annual Percentage Rate (as low as)
Model Year: 2026-2025
- Oct 20, 20266.26%▼ from 6.41%
- Sep 14, 20266.41%first recorded
Model Year: 2025-2024
- Oct 20, 20266.26%▼ from 6.41%
- Oct 14, 20266.41%▲ from 6.26%
- Oct 7, 20266.26%▼ from 6.41%
- Sep 14, 20266.41%first recorded
Model Year: 2022
- Oct 20, 20266.34%▼ from 6.49%
- Oct 14, 20266.49%▲ from 6.34%
- Oct 7, 20266.34%▼ from 6.49%
- Sep 14, 20266.49%first recorded
Model Year: 2023
- Oct 20, 20266.36%▼ from 6.51%
- Oct 14, 20266.51%▲ from 6.36%
- Oct 7, 20266.36%▼ from 6.51%
- Sep 14, 20266.51%first recorded
As Low As; Annual Percentage Rate (as low as)
Model Year: 2022
- Oct 20, 20266.61%▼ from 6.76%
- Oct 14, 20266.76%▲ from 6.61%
- Oct 7, 20266.61%▼ from 6.76%
- Sep 14, 20266.76%first recorded
As Low As; Annual Percentage Rate (as low as)
Model Year: 2026-2025
- Oct 20, 20266.74%▼ from 6.89%
- Sep 14, 20266.89%first recorded
Model Year: 2025-2024
- Oct 20, 20266.74%▼ from 6.89%
- Oct 14, 20266.89%▲ from 6.74%
- Oct 7, 20266.74%▼ from 6.89%
- Sep 14, 20266.89%first recorded
Model Year: 2023
- Oct 20, 20266.94%▼ from 7.09%
- Oct 14, 20267.09%▲ from 6.94%
- Oct 7, 20266.94%▼ from 7.09%
- Sep 14, 20267.09%first recorded
As Low As; Annual Percentage Rate (as low as)
As Low As; Annual Percentage Rate (as low as)
Payment and APR based on $25,000 amount financed; auto pay from Fidelity Bank checking required, otherwise rate .25% higher; effective November 05, 2026
Assumes $25,000 loan amount, minimum credit score of 720, monthly payment automatically deducted from a Wayne Bank checking account, and includes a $125 loan documentation fee; APR increases .25% if automatic payment is not selected or is terminated; APR increases 1.00% for new automobiles and used automobiles over 5 model years; higher rates apply for lower credit scores
Down Payment: 10%
Down Payment: 10%
Assumes $10,000.00 loan amount, minimum credit score of 720, monthly payment automatically deducted from a Wayne Bank checking account, and includes a $125 loan documentation fee; APR increases .25% if automatic payment is not selected or is terminated; APR increases 1.00% for used automobiles over 5 model years; advertised 60-month term is not available for vehicles older than five model years, where a maximum term of 48 months applies; higher rates apply for lower credit scores
Down Payment: 10%
Down Payment: 15%
As Low As; Rate as low as 2.990%; APR as low as 2.990%; The above rates apply with automatic payment from the PSFCU Checking Account; rates are 0.25% higher without automatic payment
As Low As; Rate as low as 2.990%; APR as low as 2.990%; The above rates apply with automatic payment from the PSFCU Checking Account; rates are 0.25% higher without automatic payment
As Low As; Rate as low as 2.990%; APR as low as 2.990%; The above rates apply with automatic payment from the PSFCU Checking Account; rates are 0.25% higher without automatic payment
As Low As; Rate as low as 2.990%; APR as low as 2.990%; The above rates apply with automatic payment from the PSFCU Checking Account; rates are 0.25% higher without automatic payment
As Low As; Vehicles, Personal, Share Secured loan rates
Rate range: 3.25% - 8.00% APR*
Rate range: 3.25% -8.25% APR*
Rate range: 3.25% - 8.00% APR; Vehicle Loans - New Vehicles
Rate range: 3.25% -8.25% APR; Vehicle Loans - New Vehicles
As Low As; Vehicles, Personal, Share Secured loan rates
As Low As
As Low As; Rates reflect 0.50% discount for Automatic Payment
As Low As; Rates reflect 0.50% discount for Automatic Payment; Effective 10/19/2026
- Oct 23, 20263.49%▲ from 3.24%
- Sep 12, 20263.24%first recorded
As Low As; Model Year: 2024 & newer; Other terms and rates available. Please contact us for more information.
- Sep 25, 20263.49%▲ from 3.25%
- Sep 14, 20263.25%first recorded
As Low As; Evergreen Advantage rate discount; qualifies with E-Statements, Full Direct Deposit, Checking Account, Western PA Visa Credit Card (up to 1.00% total discount)
As Low As; Evergreen Advantage rate discount; qualifies with E-Statements, Full Direct Deposit, Checking Account, Western PA Visa Credit Card (up to 1.00% total discount)
Published APR range: 3.490% - 8.990%. Zero Down Payment
Published APR range: 3.490% - 9.240%. Zero Down Payment
Rate range: 3.50% - 9.00% APR*
Rate range: 3.50% - 9.00% APR; Vehicle Loans - New Vehicles
Rate range: 3.50% - 9.00% APR*; Financing: 85% of JD Power Book Price; Vehicle age: 5 Years & Older
APR range: 3.50% - 9.00% APR*
APR range 3.50% - 9.00%; JD Power Book Price - 90% Financed
Rate range: 3.50% - 9.00% APR; 85% financed
Rate range: 3.50% - 9.00% APR*; 100% Financed
As Low As; New Vehicle
As Low As; Rate as low as 3.500%; APR as low as 3.500%; The above rates apply with automatic payment from the PSFCU Checking Account; rates are 0.25% higher without automatic payment
As Low As; Evergreen Advantage rate discount; qualifies with E-Statements, Full Direct Deposit, Checking Account, Western PA Visa Credit Card (up to 1.00% total discount)
As Low As; Model Years: 2024 - 2026; Effective as of August 26, 2026
As Low As; Rates reflect 0.50% discount for Automatic Payment
As Low As; Model Year: 2027 - 2025; Rates reflect 0.50% Automatic Payment discount
As Low As; Model Year: 2027 - 2025; Rates effective 10/19/2026; 0.50% discount applies with automatic payment
- Oct 23, 20263.74%▲ from 3.49%
- Sep 12, 20263.49%first recorded
As Low As; Evergreen Advantage rate discount; qualifies with E-Statements, Full Direct Deposit, Checking Account, Western PA Visa Credit Card (up to 1.00% total discount)
As Low As; Evergreen Advantage program APR (up to 1.00% rate discount with qualifying services)
As Low As; Evergreen Advantage program APR (up to 1.00% rate discount with qualifying services)
Rate range: 3.75% - 9.75% APR*
Rate range: 3.75% - 9.75% APR; Vehicle Loans - New Vehicles
Rate range: 3.75% - 9.50% APR*; Financing: 85% of JD Power Book Price; Vehicle age: 5 Years & Older
APR range: 3.75% - 9.50% APR*
APR range 3.75% - 9.50%; JD Power Book Price - 90% Financed
Rate range: 3.75% - 9.50% APR; 85% financed
Rate range: 3.75% - 9.50% APR*; 100% Financed
As Low As; Model Year: 2024 & newer; Other terms and rates available. Please contact us for more information.
- Sep 25, 20263.75%▲ from 3.49%
- Sep 14, 20263.49%first recorded
As Low As; with Relationship Rewards
As Low As; Evergreen Advantage rate discount; qualifies with E-Statements, Full Direct Deposit, Checking Account, Western PA Visa Credit Card (up to 1.00% total discount)
As Low As
As Low As; w/ Auto Pay Discount; Rates are based on applicant's credit worthiness; Your actual rate may vary
Max Limit: $45,000.00
As Low As; Evergreen Advantage program APR (up to 1.00% rate discount with qualifying services)
As Low As; APR as low as 3.95% applies to model years 2025 and newer with repayment terms of 12 to 36 months; 84 month repayment term is available for model years 2021 and newer; 100% NADA loan value plus cost of acquisition
- Oct 5, 20263.95%▼ from 4.65%
- Sep 18, 20264.65%first recorded
Term: Fixed up to 48 months; As Low As; Rate is determined by your credit history and the loan term
Term: Fixed up to 60 months; As Low As; Rate is determined by your credit history and the loan term
As Low As; Rates reflect 0.50% discount for Automatic Payment; Effective 10/19/2026
- Oct 23, 20263.99%▲ from 3.74%
- Sep 12, 20263.74%first recorded
As Low As; Lowest possible APR with qualification
As Low As; New Vehicles
As Low As; NEW Auto Loan Rates
As Low As; Rates 0.25% higher without automatic payment from PSFCU Checking Account
As Low As; Rates 0.25% higher without automatic payment from PSFCU Checking Account
As Low As; Rates 0.25% higher without automatic payment from PSFCU Checking Account
As Low As; Rates 0.25% higher without automatic payment from PSFCU Checking Account
New vehicle defined as 2026-2027 model year and never titled; dealer purchases only; 700 credit score and above; minimum loan $20,000; effective October 1 - December 31, 2026
$5,000; As Low As; Used; Daily Periodic Rate: 0.01093%
$5,000; As Low As; Used; Daily Periodic Rate: 0.01093%
As Low As; Model Year: 2025 - 2027; APR*
As Low As; Model Year: 2025 - 2027; APR*
As Low As; Loan Rates (subject to change at any time)
- Nov 9, 20263.99%▼ from 5.99%
- Sep 14, 20265.99%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 3.89%
Rate range: 4.00% - 10.75% APR*
Rate range: 4.00% - 10.75% APR; Vehicle Loans - New Vehicles
Rate range: 4.00% - 10.00% APR*; Financing: 85% of JD Power Book Price; Vehicle age: 5 Years & Older
APR range: 4.00% - 10.00% APR*
APR range 4.00% - 10.00%; JD Power Book Price - 90% Financed
Rate range: 4.00% - 10.00% APR; 85% financed
Rate range: 4.00% - 10.00% APR*; 100% Financed
As Low As; Lower interest rate for 48 & 60 month terms only for New Vehicles with A+, A, & B scores; rate based on credit worthiness
As Low As; New Vehicle
Score: 730+; Grade of Paper: A+; Secured Advances
Score: 730+; Grade of Paper: A+; Secured Advances
As Low As; Vehicles, Personal, Share Secured loan rates
APR range: 4.00 - 6.00%
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
Never been titled; Credit Score Key: A=700-799; A+ (800 and up) reduces A rate by .5 percent, not below 1.5%; Add .75% to all categories to increase term to 72 Months; Calculate additional .50% for vehicles with more than 100,000 miles
APR range: 4.00% - 6.00%; Rates Effective 11/20/2025
Vehicle: under 1,000 miles; Model Year: 2023-2026; $50,000 maximum
Vehicle: under 1,000 miles; Model Year: 2023-2026; $50,000 maximum
Published APR range: 4.000% - 10.250%. Zero Down Payment
As Low As; Model Year: 2023 and newer; Approximate; APR may vary with credit qualifications, collateral age, payment protection, and Direct Deposit with AutoPay from a Genisys account; 90 days no payment offer for credit scores of 660+, interest accrues
As Low As
As Low As; APR as low as 4.10%
- Oct 4, 20264.10%▲ from 4.00%
- Sep 12, 20264.00%first recorded
As Low As; 2024 Model Year and Newer Vehicles; Loan limit - 90% of Manufacturers Suggested Retail Price or J.D. Power NADA suggested retail value; High mileage surcharge if mileage exceeds 15,000 miles per model year
As Low As; Evergreen Advantage rate; Model year 2019 & Older; up to 1.00% total discount for E-Statements, Full Direct Deposit, Checking Account, Western PA Visa Credit Card
As Low As; Evergreen Advantage program APR (up to 1.00% rate discount with qualifying services)
As Low As; w/ Auto Pay Discount; Rates are based on applicant's credit worthiness; Your actual rate may vary
As Low As; Model Year: 2026 to 2027; Loan rates effective 11/05/2026
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; Model Year: 2024, 2025 & Newer; Available to members with credit score of 725 and higher
Model Year: 2021 - 2026 (<50,0000 miles)
Model Year: 2021 - 2026 (<50,0000 miles)
Model Year: 2021 - 2026 (<50,0000 miles)
Model Year: 2021 - 2026 (<50,0000 miles)
As Low As; Rate disclosed includes .25% discount for automatic payment from a TCAFCU account
Model Year: 2018-2027; Rates include 0.50% discount for automatic payments from active WBVFCU account and monthly direct deposit
As Low As; Maximum LTV: 100%; Maximum Vehicle Age: N/A; Maximum Mileage: N/A
- Nov 7, 20264.24%▲ from 3.00%
- Oct 9, 20263.00%first recorded
As Low As; Maximum LTV: 100%; Maximum Vehicle Age: 10 Years; Maximum Mileage: N/A
- Nov 7, 20264.24%▲ from 3.00%
- Oct 9, 20263.00%first recorded
As Low As; Lowest possible APR with qualification
As Low As; Evergreen Advantage program APR (up to 1.00% rate discount with qualifying services)
As Low As; Requires direct deposit with Parda Federal Credit Union; for qualified borrowers; rate and term may vary based on credit score, year of collateral and loan-to-value
- Oct 29, 20264.24%▼ from 4.49%
- Sep 14, 20264.49%first recorded
As Low As; Model Year: 2022 and Newer (new or used); Daily Periodic Rate: 0.011616%
As Low As; APR; Rates are based on applicant's credit worthiness; Your actual rate may vary
As Low As; w/ Auto Pay Discount: as low as 4.14%
Financing: 100%* (New); *Used Vehicle 60 and 84 month financing; certain restrictions may apply
Rate range: 4.25% - 11.00% APR*
Rate range: 4.25% - 11.00% APR; Vehicle Loans - New Vehicles
APR range: 4.25% - 10.50% APR*
APR range 4.25% - 10.50%; JD Power Book Price - 90% Financed
Rate range: 4.25% - 10.50% APR*; 100% Financed
Score: 730+; Grade of Paper: A+; Secured Advances
As Low As; Model Years 2025 & Newer
As Low As; Model Year: 2024 & newer; Other terms and rates available. Please contact us for more information.
- Sep 25, 20264.25%▲ from 3.99%
- Sep 17, 20263.99%first recorded
As Low As; Model Year: 2019-2023; Other terms and rates available. Please contact us for more information.
- Sep 25, 20264.25%▲ from 3.99%
- Sep 17, 20263.99%▲ from 3.25%
- Sep 14, 20263.25%first recorded
As Low As; Model Year: 2026 to 2027; Loan rates effective 11/05/2026
80-90% NADA retail; APR range: 4.25 - 6.25%
As Low As; APR as low as
As Low As; APR as low as
As Low As; APR as low as
Fair Isaac Risk Score: 725-850; Vehicle: Never Titled; Used Vehicles - 36 months or less - 90% Financing
As Low As; Add .5% for 72 months for qualifying vehicles; Add 1.00% for 84 months for qualifying vehicles
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
80-90% NADA retail; APR range: 4.25% - 6.25%; Rates Effective 11/20/2025
As Low As; 100-80% LTV on Cars, Vans, Trucks, and Motorcycles; Never been Titled; Rates effective 10-15-2024; up to 120 days to refinance to receive New rate
As Low As; New and Used Auto APR as low as*
As Low As; Additional discounts may apply
As Low As; APR as low as 4.35%
- Oct 4, 20264.35%▲ from 4.25%
- Sep 12, 20264.25%first recorded
As Low As; 110% Financing on Vehicles; This rate includes the .25% discount for Auto Pay; Effective Date: 05/01/2026
As Low As; w/ Auto Pay Discount; Rates are based on applicant's credit worthiness; Your actual rate may vary
Loan rate table: Interest Rate and APR columns
Scranton New Auto Auto Loan Rates
Maximum $50,000.00
Maximum $50,000.00
Maximum $50,000.00
Maximum $50,000.00
As Low As; Annual Percentage Rate (as low as)
Payment and APR based on $25,000 amount financed; auto pay from Fidelity Bank checking required, otherwise rate .25% higher; effective November 05, 2026
As Low As; Annual Percentage Rate (as low as)
As Low As; Annual Percentage Rate (as low as)
As Low As; Annual Percentage Rate (as low as)
Model Year: 2026-2025
- Oct 20, 20266.04%▼ from 6.19%
- Sep 14, 20266.19%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%
As Low As; Annual Percentage Rate (as low as)
Model Year: 2026-2025
- Oct 20, 20266.26%▼ from 6.41%
- Sep 14, 20266.41%first recorded
Model Year: 2026-2025
- Oct 20, 20266.74%▼ from 6.89%
- Sep 14, 20266.89%first recorded
Assumes $25,000 loan amount, minimum credit score of 720, monthly payment automatically deducted from a Wayne Bank checking account, and includes a $125 loan documentation fee; APR increases .25% if automatic payment is not selected or is terminated; APR increases 1.00% for new automobiles and used automobiles over 5 model years; higher rates apply for lower credit scores
Down Payment: 10%
Down Payment: 10%
As Low As; Rate as low as 2.990%; APR as low as 2.990%; The above rates apply with automatic payment from the PSFCU Checking Account; rates are 0.25% higher without automatic payment
As Low As; Rate as low as 2.990%; APR as low as 2.990%; The above rates apply with automatic payment from the PSFCU Checking Account; rates are 0.25% higher without automatic payment
As Low As; Rate as low as 2.990%; APR as low as 2.990%; The above rates apply with automatic payment from the PSFCU Checking Account; rates are 0.25% higher without automatic payment
As Low As; Rate as low as 2.990%; APR as low as 2.990%; The above rates apply with automatic payment from the PSFCU Checking Account; rates are 0.25% higher without automatic payment
Rate range: 3.25% - 8.00% APR*
Rate range: 3.25% -8.25% APR*
Rate range: 3.25% - 8.00% APR; Vehicle Loans - New Vehicles
Rate range: 3.25% -8.25% APR; Vehicle Loans - New Vehicles
As Low As
As Low As; Rates reflect 0.50% discount for Automatic Payment
As Low As; Rates reflect 0.50% discount for Automatic Payment; Effective 10/19/2026
- Oct 23, 20263.49%▲ from 3.24%
- Sep 12, 20263.24%first recorded
As Low As; Evergreen Advantage rate discount; qualifies with E-Statements, Full Direct Deposit, Checking Account, Western PA Visa Credit Card (up to 1.00% total discount)
As Low As; Evergreen Advantage rate discount; qualifies with E-Statements, Full Direct Deposit, Checking Account, Western PA Visa Credit Card (up to 1.00% total discount)
Published APR range: 3.490% - 8.990%. Zero Down Payment
Published APR range: 3.490% - 9.240%. Zero Down Payment
Rate range: 3.50% - 9.00% APR*
Rate range: 3.50% - 9.00% APR; Vehicle Loans - New Vehicles
As Low As; New Vehicle
As Low As; Rate as low as 3.500%; APR as low as 3.500%; The above rates apply with automatic payment from the PSFCU Checking Account; rates are 0.25% higher without automatic payment
As Low As; Evergreen Advantage rate discount; qualifies with E-Statements, Full Direct Deposit, Checking Account, Western PA Visa Credit Card (up to 1.00% total discount)
As Low As; Model Years: 2024 - 2026; Effective as of August 26, 2026
As Low As; Evergreen Advantage rate discount; qualifies with E-Statements, Full Direct Deposit, Checking Account, Western PA Visa Credit Card (up to 1.00% total discount)
Rate range: 3.75% - 9.75% APR*
Rate range: 3.75% - 9.75% APR; Vehicle Loans - New Vehicles
As Low As; Evergreen Advantage rate discount; qualifies with E-Statements, Full Direct Deposit, Checking Account, Western PA Visa Credit Card (up to 1.00% total discount)
As Low As; w/ Auto Pay Discount; Rates are based on applicant's credit worthiness; Your actual rate may vary
Max Limit: $45,000.00
As Low As; Rates reflect 0.50% discount for Automatic Payment; Effective 10/19/2026
- Oct 23, 20263.99%▲ from 3.74%
- Sep 12, 20263.74%first recorded
As Low As; Lowest possible APR with qualification
As Low As; New Vehicles
As Low As; NEW Auto Loan Rates
New vehicle defined as 2026-2027 model year and never titled; dealer purchases only; 700 credit score and above; minimum loan $20,000; effective October 1 - December 31, 2026
As Low As; Loan Rates (subject to change at any time)
- Nov 9, 20263.99%▼ from 5.99%
- Sep 14, 20265.99%first recorded
As Low As; APR; Rates are based on applicant's credit worthiness; Your actual rate may vary
Rate range: 4.00% - 10.75% APR*
Rate range: 4.00% - 10.75% APR; Vehicle Loans - New Vehicles
As Low As; Lower interest rate for 48 & 60 month terms only for New Vehicles with A+, A, & B scores; rate based on credit worthiness
As Low As; New Vehicle
Score: 730+; Grade of Paper: A+; Secured Advances
Score: 730+; Grade of Paper: A+; Secured Advances
APR range: 4.00 - 6.00%
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
Never been titled; Credit Score Key: A=700-799; A+ (800 and up) reduces A rate by .5 percent, not below 1.5%; Add .75% to all categories to increase term to 72 Months; Calculate additional .50% for vehicles with more than 100,000 miles
APR range: 4.00% - 6.00%; Rates Effective 11/20/2025
Vehicle: under 1,000 miles; Model Year: 2023-2026; $50,000 maximum
Vehicle: under 1,000 miles; Model Year: 2023-2026; $50,000 maximum
Published APR range: 4.000% - 10.250%. Zero Down Payment
As Low As; Model Year: 2023 and newer; Approximate; APR may vary with credit qualifications, collateral age, payment protection, and Direct Deposit with AutoPay from a Genisys account; 90 days no payment offer for credit scores of 660+, interest accrues
As Low As
As Low As; APR as low as 4.10%
- Oct 4, 20264.10%▲ from 4.00%
- Sep 12, 20264.00%first recorded
As Low As; 2024 Model Year and Newer Vehicles; Loan limit - 90% of Manufacturers Suggested Retail Price or J.D. Power NADA suggested retail value; High mileage surcharge if mileage exceeds 15,000 miles per model year
As Low As; w/ Auto Pay Discount; Rates are based on applicant's credit worthiness; Your actual rate may vary
As Low As; Model Year: 2026 to 2027; Loan rates effective 11/05/2026
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; Rate disclosed includes .25% discount for automatic payment from a TCAFCU account
As Low As; Lowest possible APR with qualification
As Low As; Requires direct deposit with Parda Federal Credit Union; for qualified borrowers; rate and term may vary based on credit score, year of collateral and loan-to-value
- Oct 29, 20264.24%▼ from 4.49%
- Sep 14, 20264.49%first recorded
As Low As; Model Year: 2022 and Newer (new or used); Daily Periodic Rate: 0.011616%
As Low As; APR; Rates are based on applicant's credit worthiness; Your actual rate may vary
Financing: 100%* (New); *Used Vehicle 60 and 84 month financing; certain restrictions may apply
Rate range: 4.25% - 11.00% APR*
Rate range: 4.25% - 11.00% APR; Vehicle Loans - New Vehicles
Score: 730+; Grade of Paper: A+; Secured Advances
As Low As; Model Years 2025 & Newer
As Low As; Model Year: 2026 to 2027; Loan rates effective 11/05/2026
80-90% NADA retail; APR range: 4.25 - 6.25%
As Low As; APR as low as
As Low As; APR as low as
As Low As; APR as low as
As Low As; Add .5% for 72 months for qualifying vehicles; Add 1.00% for 84 months for qualifying vehicles
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
80-90% NADA retail; APR range: 4.25% - 6.25%; Rates Effective 11/20/2025
As Low As; 100-80% LTV on Cars, Vans, Trucks, and Motorcycles; Never been Titled; Rates effective 10-15-2024; up to 120 days to refinance to receive New rate
As Low As; APR as low as 4.35%
- Oct 4, 20264.35%▲ from 4.25%
- Sep 12, 20264.25%first recorded
As Low As; 110% Financing on Vehicles; This rate includes the .25% discount for Auto Pay; Effective Date: 05/01/2026
As Low As; w/ Auto Pay Discount; Rates are based on applicant's credit worthiness; Your actual rate may vary
Loan rate table: Interest Rate and APR columns
Scranton Used Auto Auto Loan Rates
Some Restrictions Apply; Vehicles 2017 or newer
Some Restrictions Apply; Vehicles 2017 or newer
Some Restrictions Apply; Vehicles 2017 or newer
Some Restrictions Apply; Vehicles 2017 or newer
Payment and APR based on $25,000 amount financed; auto pay from Fidelity Bank checking required, otherwise rate .25% higher; effective November 05, 2026
As Low As; Annual Percentage Rate (as low as)
As Low As; Annual Percentage Rate (as low as)
Model Year: 2025-2024
- Oct 20, 20266.04%▼ from 6.19%
- Oct 14, 20266.19%▲ from 6.04%
- Oct 7, 20266.04%▼ from 6.19%
- Sep 14, 20266.19%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%
Model Year: 2023
- Oct 20, 20266.14%▼ from 6.29%
- Oct 14, 20266.29%▲ from 6.14%
- Oct 7, 20266.14%▼ from 6.29%
- Sep 14, 20266.29%first recorded
Payment and APR based on $25,000 amount financed; auto pay from Fidelity Bank checking required, otherwise rate .25% higher; effective November 05, 2026
As Low As; Annual Percentage Rate (as low as)
Model Year: 2025-2024
- Oct 20, 20266.26%▼ from 6.41%
- Oct 14, 20266.41%▲ from 6.26%
- Oct 7, 20266.26%▼ from 6.41%
- Sep 14, 20266.41%first recorded
Model Year: 2022
- Oct 20, 20266.34%▼ from 6.49%
- Oct 14, 20266.49%▲ from 6.34%
- Oct 7, 20266.34%▼ from 6.49%
- Sep 14, 20266.49%first recorded
Model Year: 2023
- Oct 20, 20266.36%▼ from 6.51%
- Oct 14, 20266.51%▲ from 6.36%
- Oct 7, 20266.36%▼ from 6.51%
- Sep 14, 20266.51%first recorded
As Low As; Annual Percentage Rate (as low as)
Model Year: 2022
- Oct 20, 20266.61%▼ from 6.76%
- Oct 14, 20266.76%▲ from 6.61%
- Oct 7, 20266.61%▼ from 6.76%
- Sep 14, 20266.76%first recorded
As Low As; Annual Percentage Rate (as low as)
Model Year: 2025-2024
- Oct 20, 20266.74%▼ from 6.89%
- Oct 14, 20266.89%▲ from 6.74%
- Oct 7, 20266.74%▼ from 6.89%
- Sep 14, 20266.89%first recorded
Model Year: 2023
- Oct 20, 20266.94%▼ from 7.09%
- Oct 14, 20267.09%▲ from 6.94%
- Oct 7, 20266.94%▼ from 7.09%
- Sep 14, 20267.09%first recorded
As Low As; Annual Percentage Rate (as low as)
As Low As; Annual Percentage Rate (as low as)
Payment and APR based on $25,000 amount financed; auto pay from Fidelity Bank checking required, otherwise rate .25% higher; effective November 05, 2026
Assumes $10,000.00 loan amount, minimum credit score of 720, monthly payment automatically deducted from a Wayne Bank checking account, and includes a $125 loan documentation fee; APR increases .25% if automatic payment is not selected or is terminated; APR increases 1.00% for used automobiles over 5 model years; advertised 60-month term is not available for vehicles older than five model years, where a maximum term of 48 months applies; higher rates apply for lower credit scores
Down Payment: 10%
Down Payment: 15%
Rate range: 3.50% - 9.00% APR*; Financing: 85% of JD Power Book Price; Vehicle age: 5 Years & Older
APR range: 3.50% - 9.00% APR*
APR range 3.50% - 9.00%; JD Power Book Price - 90% Financed
Rate range: 3.50% - 9.00% APR; 85% financed
Rate range: 3.50% - 9.00% APR*; 100% Financed
As Low As; Rates reflect 0.50% discount for Automatic Payment
As Low As; Model Year: 2027 - 2025; Rates reflect 0.50% Automatic Payment discount
As Low As; Model Year: 2027 - 2025; Rates effective 10/19/2026; 0.50% discount applies with automatic payment
- Oct 23, 20263.74%▲ from 3.49%
- Sep 12, 20263.49%first recorded
As Low As; Evergreen Advantage program APR (up to 1.00% rate discount with qualifying services)
As Low As; Evergreen Advantage program APR (up to 1.00% rate discount with qualifying services)
Rate range: 3.75% - 9.50% APR*; Financing: 85% of JD Power Book Price; Vehicle age: 5 Years & Older
APR range: 3.75% - 9.50% APR*
APR range 3.75% - 9.50%; JD Power Book Price - 90% Financed
Rate range: 3.75% - 9.50% APR; 85% financed
Rate range: 3.75% - 9.50% APR*; 100% Financed
As Low As
As Low As; w/ Auto Pay Discount; Rates are based on applicant's credit worthiness; Your actual rate may vary
As Low As; Evergreen Advantage program APR (up to 1.00% rate discount with qualifying services)
As Low As; Rates 0.25% higher without automatic payment from PSFCU Checking Account
As Low As; Rates 0.25% higher without automatic payment from PSFCU Checking Account
As Low As; Rates 0.25% higher without automatic payment from PSFCU Checking Account
As Low As; Rates 0.25% higher without automatic payment from PSFCU Checking Account
As Low As; APR; Rates are based on applicant's credit worthiness; Your actual rate may vary
Rate range: 4.00% - 10.00% APR*; Financing: 85% of JD Power Book Price; Vehicle age: 5 Years & Older
APR range: 4.00% - 10.00% APR*
APR range 4.00% - 10.00%; JD Power Book Price - 90% Financed
Rate range: 4.00% - 10.00% APR; 85% financed
Rate range: 4.00% - 10.00% APR*; 100% Financed
Score: 730+; Grade of Paper: A+; Secured Advances
Score: 730+; Grade of Paper: A+; Secured Advances
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
As Low As; Model Year: 2023 and newer; Approximate; APR may vary with credit qualifications, collateral age, payment protection, and Direct Deposit with AutoPay from a Genisys account; 90 days no payment offer for credit scores of 660+, interest accrues
As Low As; Evergreen Advantage rate; Model year 2019 & Older; up to 1.00% total discount for E-Statements, Full Direct Deposit, Checking Account, Western PA Visa Credit Card
As Low As; Evergreen Advantage program APR (up to 1.00% rate discount with qualifying services)
As Low As; w/ Auto Pay Discount; Rates are based on applicant's credit worthiness; Your actual rate may vary
As Low As; Model Year: 2026 to 2027; Loan rates effective 11/05/2026
As Low As; Evergreen Advantage program APR (up to 1.00% rate discount with qualifying services)
As Low As; Requires direct deposit with Parda Federal Credit Union; for qualified borrowers; rate and term may vary based on credit score, year of collateral and loan-to-value
- Oct 29, 20264.24%▼ from 4.49%
- Sep 14, 20264.49%first recorded
As Low As; Model Year: 2022 and Newer (new or used); Daily Periodic Rate: 0.011616%
As Low As; APR; Rates are based on applicant's credit worthiness; Your actual rate may vary
APR range: 4.25% - 10.50% APR*
APR range 4.25% - 10.50%; JD Power Book Price - 90% Financed
Rate range: 4.25% - 10.50% APR*; 100% Financed
Score: 730+; Grade of Paper: A+; Secured Advances
As Low As; Model Year: 2026 to 2027; Loan rates effective 11/05/2026
80-90% NADA retail; APR range: 4.25 - 6.25%
Fair Isaac Risk Score: 725-850; Vehicle: Never Titled; Used Vehicles - 36 months or less - 90% Financing
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
80-90% NADA retail; APR range: 4.25% - 6.25%; Rates Effective 11/20/2025
As Low As; w/ Auto Pay Discount; Rates are based on applicant's credit worthiness; Your actual rate may vary
Scranton, PA Auto Loan Rate Trends
Compare local Scranton, 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.
Scranton, 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 Scranton, Pennsylvania
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Scranton, 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 Scranton, 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: Scranton, Pennsylvania CD rates lock in a guaranteed return until you’re ready to buy
Scranton, 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 21.2% of the median individual income in Scranton, 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 Scranton, 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 Scranton, 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 Scranton, 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 Scranton, 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 Scranton, 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 Scranton, 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 Scranton, Pennsylvania
What are auto loan rates in Scranton, Pennsylvania today?
How does my credit score affect my car loan rate in Scranton, 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 Scranton, 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 Scranton, Pennsylvania?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Scranton, Pennsylvania?
- Spojnia Credit Union: 4.69% (New Vehicle Loan)
- Penn East Federal Credit Union: 5.24% (Auto Loans 2024 - Newer)
- NET Credit Union: 5.39% (Auto Loan)
- The Fidelity Deposit and Discount Bank: 5.42% (Auto Loans - New/Used Cars 2023 & Above)
- Peoples Security Bank: 6.04% (New Car Loan)
Scranton, Pennsylvania Rates & Resources
