Best Auto Loans in Pennsylvania

New and used auto purchase loans plus auto refinancing options from national and regional lenders. In Pennsylvania, personal loans are capped at 24% APR for licensed consumer lenders, overseen by the Pennsylvania Department of Banking and Securities.

Pennsylvania Lending Overview

Personal Loan APR cap

24%

Median Home Price

$295,000

Median Household Income

$75,000

Avg Student Debt

$36,120

State Regulator

Pennsylvania Department of Banking and Securities

Notable law: Pennsylvania's Consumer Discount Company Act limits licensed consumer lenders to 24% APR, and the Supreme Court of Pennsylvania has ruled that unlicensed internet payday lending violates state usury law.

8 Auto Loans Lenders serving Pennsylvania

Best Egg

Auto Loans

4.1

APR Range: 7.99% – 29.99%
Loan Amount: $2,000 – $50,000
Min Credit Score: 660

Available to residents of Pennsylvania

Apply at Best Egg

Better Mortgage

Auto Loans

4.0

APR Range: 6.30% – 7.50%
Loan Amount: $50,000 – $2,000,000
Min Credit Score: 620

Available to residents of Pennsylvania

Apply at Better Mortgage

Bluevine

Auto Loans

3.9

APR Range: 4.80% – 95.00%
Loan Amount: $1,000 – $500,000
Min Credit Score: 620

Available to residents of Pennsylvania

Apply at Bluevine

Capital One Auto

Auto Loans

4.1

APR Range: 5.09% – 19.99%
Loan Amount: $4,000 – $250,000
Min Credit Score: 600

Available to residents of Pennsylvania

Apply at Capital One Auto

Earnest

Auto Loans

4.2

APR Range: 3.95% – 9.99%
Loan Amount: $5,000 – $500,000
Min Credit Score: 670

Available to residents of Pennsylvania

Apply at Earnest

LightStream

Auto Loans

4.3

APR Range: 6.49% – 24.89%
Loan Amount: $5,000 – $100,000
Min Credit Score: 700

Available to residents of Pennsylvania

Apply at LightStream

LightStream Auto

Auto Loans

4.2

APR Range: 6.49% – 20.49%
Loan Amount: $5,000 – $100,000
Min Credit Score: 700

Available to residents of Pennsylvania

Apply at LightStream Auto

OnDeck

Auto Loans

3.5

APR Range: 10.99% – 99.00%
Loan Amount: $5,000 – $400,000
Min Credit Score: 625

Available to residents of Pennsylvania

Apply at OnDeck

Pennsylvania Lending Laws

Pennsylvania's Consumer Discount Company Act limits licensed consumer lenders to 24% APR, and the Supreme Court of Pennsylvania has ruled that unlicensed internet payday lending violates state usury law.

The primary regulator for consumer lending in Pennsylvania is the Pennsylvania Department of Banking and Securities. Borrowers with complaints about a lender can file reports directly with that agency or with the federal Consumer Financial Protection Bureau (CFPB).

Frequently Asked Questions

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