Compare Bank & Credit Union Rates
Best auto loan rates in Ohio
Compare the lowest advertised APRs for new and used vehicle loans from banks and credit unions, with terms, conditions and original sources.
Top new-car loan rates
Showing 1–15 of 154 in Ohio · median 5.25% APR
- 3.99%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Loan payment example: $20,000 for 60 months at 3.99% APR = $368.85/mo. payment. All loans subject to normal credit approval terms and risk analysis. Rates apply to new money only.
Auto loan score 94 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as · up to 10.99%
3.99% APR, up to 10.99%
Terms
Promotional rates until 12/31/2026; APR range covers credit scores 600 to 730+ (3.99% for 730+ to 10.99% for 600-639)
Auto loan score 91 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Auto loan score 87 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.19%APRas low as · up to 16.99%
4.19% APR, up to 16.99%
Terms
Model year 2025-2026; Loan rates based on individual credit score.
Auto loan score 93 · Carrot Score 99
Rate checked · Auto loans rates on its site
Rates and branches - Wayne County Community Federal Credit UnionNew Automobile or Truck · 49–60 months
Credit union · 3 branches
4.24%APRas low asTerms
2022 & 2023 <20,000 Miles
Auto loan score 91 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Auto loan score 88 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low as
Terms
New & Green Vehicles. As low as APR upon approved credit. "Green" vehicles are electric, hybrid or a vehicle that gets >35 MPG City (per www.fueleconomy.gov).
Auto loan score 87 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - C1CU - Community One Credit UnionNew & Used Vehicle Loans · up to 84 months
Credit union · 2 branches
4.25%APRas low asTerms
Rates as low as 4.25% APR. Actual rate and payment may be different as determined by your collateral, term, loan amount and credit qualifications. Terms up to 84 months.
Auto loan score 92
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Terms
Two years or newer. Flexible terms up to 84 months also available.
Auto loan score 92 · Carrot Score 97
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Terms
Up to 72 Months. Rates based on credit score and term.
Auto loan score 89 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Terms
Up to 100% financing for 2023 & newer models. Rate based on creditworthiness and term of loan.
Auto loan score 88 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.29%APRas low as
Terms
Fall Auto Loan Promotion: 90 days no payments / deferred payment, $160 standard processing fee waived. Existing Emerald Credit Union auto loans are not eligible for refinance under this promotion.
Auto loan score 88 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 4.29%APRas low as
Terms
As low as rate for 37-60 months on new vehicles (2025 and newer model years). Assumes excellent credit.
Auto loan score 88 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.42%APRas low as
Terms
Rate shown will not apply to every loan and may vary based on other factors. Rate discount of 0.50% available for qualifying members.
Auto loan score 91 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - First Ohio Community Federal Credit UnionNew and Used Auto Loans · up to 76 months
Credit union · 1 branch
4.45%APRas low asTerms
Rate stated as APR as low as.
Auto loan score 91 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches
Each institution’s lowest advertised APR for the vehicle, at terms that reach 60 months: usually its best-credit rate, so yours depends on your credit, the term and the vehicle. A rate that needs autopay, a checking account or similar says “with conditions”; More filters can leave those out. Refinance, lease buyout, recreational and promotional rates that have ended are left out, and a rate far below what other lenders advertise is listed lower down until it’s checked. Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates. How we rank
What new auto loans cost in Ohio
154 banks and credit unions · checked Oct 16–22
- Typical
- 5.25%
- Top 10% up to
- 4.49%
- Banks, typical
- 6.68%
- Credit unions, typical
- 5.15%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Ohio
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- 7 17 Credit UnionCredit union · 16 branches
- Homeland Credit UnionCredit union · 5 branches
- Chivaho Federal Credit UnionCredit union · 1 branch