Auto Loans · Scranton, Pennsylvania
5 credit unions in Scranton report car loan rates to the NCUA. Rates range from 3.57% to 6.04%.
Updated Q1 2026 · NCUA Call Report data
5
CUs Reporting Rates
3.57%
Lowest New Car Rate
5.15%
City Average Rate
5 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | CMC-FCPI EMPLOYEES ★ 3.7 · 6 reviews | 3.57% | 3.83% |
| 2 | SPOJNIA | 4.89% | 5.19% |
| 3 | SCRANTON DOWNTOWN ★ 4.9 · 7 reviews | 5.50% | 6.50% |
| 4 | PENN EAST ★ 3.8 · 73 reviews | 5.77% | 6.53% |
| 5 | NET ★ 4.0 · 124 reviews | 6.04% | 6.54% |
5 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | CMC-FCPI EMPLOYEES ★ 3.7 · 6 reviews | 3.83% | 3.57% |
| 2 | SPOJNIA | 5.19% | 4.89% |
| 3 | SCRANTON DOWNTOWN ★ 4.9 · 7 reviews | 6.50% | 5.50% |
| 4 | PENN EAST ★ 3.8 · 73 reviews | 6.53% | 5.77% |
| 5 | NET ★ 4.0 · 124 reviews | 6.54% | 6.04% |
A pre-approval from a Scranton credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.
Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in Scranton in the same window and take the best offer.
See member reviews, branch locations, and full rate details.