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Car loans in Pennsylvania

Explore local banks and credit unions before you shop for your new ride.

Compare car loans available in Pennsylvania

Dealership financing is often the easy choice when you're shopping for a car. But local banks and credit unions in Pennsylvania — alongside larger national lenders — often offer more competitive rates.

Name Product Filter Values Minimum credit score APR Loan term Requirements
Gravity Lending Auto Loan Refinancing
As low as 1.99%
$10,000 to $180,000
Under 150,000 miles, 2010 model year or newer, owe at least $10,000 on current loan
No minimum credit score
3.9% to 27.9%
18+ years old, annual income of $4,000+, no active bankruptcies
Get pre-qualified for used car financing and receive competitive, personalized rates. Car Loans
Varies by network lender
Varies by lender
Must be a US citizen with a current US address and employed full-time or have guaranteed fixed income.
Apply with a simple online application to get paired with a local auto lender. No credit and bad credit accepted.
SuperMoney Auto Purchase Loans Marketplace
Varies by lender
Varies by lender
Fair to excellent credit, an income source, US citizen or permanent resident, 18+ years old
Find an offer and get rates from competing lenders without affecting your credit score.
Auto Credit Express Car Loans
Must be employed full-time or have guaranteed fixed income of at least $1,500/month and be a current resident of the US or Canada.
Get connected with an auto lender near you, even if you have bad credit.

Compare up to 4 providers

Getting approved for an auto loan in Pennsylvania

The Motor Vehicle Sales Finance Act governs auto loans in Pennsylvania. It specifies the maximum amount of interest a lender can charge per year. For new vehicles and used vehicles within two model years of the sale date, interest is capped at 18%. For older used vehicles, interest is capped at 21%.

Pennsylvania law also states what terms should be included in the loan agreement and how repossession works if you fail to repay your loan. Ensure your lender provides you with a full breakdown of the cost of borrowing so you know exactly how much you need to repay.

Banks and credit unions in Pennsylvania that offer auto loans

Banks and credit unions often offer better rates than national options and dealerships — but typically require you to have an account before you borrow. These Pennsylvania-based banks are a good starting point, but search for more options in your community before you commit to a loan.

LenderAvailable financingAPR

First National Bank

New and used vehicles, recreational vehicles

Not stated

First Commonwealth Bank

New and used vehicles

Not stated

Mid Penn Bank

New and used vehicles, recreational vehicles

Not stated

Dollar Bank

New and used vehicles, recreational vehicles

As low as 3.69%

Pennsylvania State Employees Credit Union (PSECU)

New and used vehicles, refinancing, lease buyouts, recreational vehicles

As low as 2.49%

Bottom line

While local banks and credit unions tend to offer better rates than national banks and dealerships, your options may hinge on your credit score and other factors. To find the most competitive rates for your particular situation, compare online lenders and larger banks in addition to local banks for your next car loan.

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