Bank · FDIC insured
Osgood Bank Auto Loan Rates
Osgood Bank auto loans start at 7.39% APR for a new vehicle and 7.39% for a used one. Rates checked October 16, 2026.
How Osgood Bank’s auto loan rates compare
Compared with banks and credit unions near Sidney, OH, where Osgood Bank has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
Osgood Bank
7.39%APR
- Terms
- 36–72 months
- Up to
- 7.75% APR
New & Used Auto Loans
Lowest rate
Universal 1 Credit Union
4.54%APR
- Terms
- up to 63 months
- Up to
- 14.06% APR
2nd-lowest rate
Honda Federal Credit Union
4.99%APR
- Terms
- up to 66 months
- Up to
- —
Osgood Bank auto loan score
61
Auto loan score
Higher than 4% of U.S. banks and credit unions
- New vehicleNew7.39%
- Used vehicleUsed7.39%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Osgood Bank ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loan Refinancing
Financing is subject to credit approval. Advertised rates are subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| 36–72 months | 7.39%–7.75% | Rates as low as 7.000% (7.745% - 7.394% APR). APR based on $25,000.00 loan with credit score of 750+ and $275 processing fee. Your actual APR will be based on your specific situation. Additional information including, but not limited to, the amount financed, term, loan-to-value, applicant's credit score, credit history, vehicle age and mileage will be taken into consideration. |
Sources (2)
All captured Oct 6, 2026
New & Used Auto Loans
Financing is subject to credit approval. Advertised rates are subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| 36–72 months | 7.39%–7.75% | Rates as low as 7.000% (7.745% - 7.394% APR). APR based on $25,000.00 loan with credit score of 750+ and $275 processing fee. Your actual APR will be based on your specific situation. Additional information including, but not limited to, the amount financed, term, loan-to-value, applicant's credit score, credit history, vehicle age and mileage will be taken into consideration. |
Sources (2)
All captured Oct 6, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.