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 136–150 of 154 in Ohio · median 5.25% APR
- 6.24%APRas low as
Terms
Based on 60 months and $45,000 financing amount with $0 down payment for online applicants with excellent credit. Rate discount of 0.25% may be available for Chase customers maintaining an average daily combined balance of $150,000 or more across eligible accounts.
Auto loan score 64 · Carrot Score 60
Rate checked · Auto loans rates on its site
Rates and branches - Superior Credit UnionVehicle Loans - 2024 through 2026 Models · up to 60 months
Credit union · 24 branches
6.25%APRas low asTerms
Maximum financing available is up to 100% of MSRP.
Auto loan score 64 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 6.26%APRas low as
Terms
2025 & Newer Model Years. Term up to 72 months. Rates as low as stated for qualified borrowers.
Auto loan score 64 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - Miami University Community Federal Credit UnionNew and Used Auto Loans · up to 72 months
Credit union · 3 branches
6.49%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
For 2024 - 2026 New or Nearly New vehicles. Rates reflect highest credit rating and include a 0.35% discount for Payroll Deduction and Automatic Loan Payments.
Auto loan score 64 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - 6.49%APRas low as
Terms
6.49% APR is based on 60-month term, 2022 or newer vehicle, with a minimum credit score of 740. Subject to credit approval; rates subject to change.
Auto loan score 63
Rate checked · Auto loans rates on its site
Rates and branches - 6.64%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Credit score 751 and higher. Example based on $20,000 loan amount for 2026 or newer vehicle. $250 origination fee. APR based on automatic payments with Main Street Bank checking account.
Auto loan score 63 · Carrot Score 61
Rate checked · Auto loans rates on its site
Rates and branches - 6.73%APRas low as
Terms
New vehicles. Up to 66 months term. Rates shown are for applicants with credit scores of 750 or higher. Example APR based on a $20,000 purchase price ($20,283 loan amount financed including $250 loan documentation fee and $33 additional non-APR fees: $18 title registration fee and $15 VSI insurance fee).
Auto loan score 62 · Carrot Score 60
Rate checked · Auto loans rates on its site
Rates and branches - 6.78%APRas low as
Terms
Rates quoted depend on credit score (TransUnion FICO Auto Enhance Score of 740 or above required for lowest rate), vehicle mileage, negative equity allowances, amount, and condition. Listed APR is for in-person direct member financing (includes loan documentation fee and maximum term financing); indirect/on-site dealership financing may have slightly higher APRs for new members. Vehicles currently financed with LorMet are excluded.
Auto loan score 62 · Carrot Score 61
Rate checked · Auto loans rates on its site
Rates and branches - 6.92%APRas low as
Terms
Model Year 2026-2024 New or Used Vehicle. APR based on a $25,000 loan amount with a loan document fee of $250 and $0.00 down payment.
Auto loan score 61 · Carrot Score 60
Rate checked · Auto loans rates on its site
Rates and branches - 7.13%APRas low as
Terms
Vehicle Year: 2023 & Newer. Maximum term 60 Months.
Auto loan score 62 · Carrot Score 61
Rate checked · Auto loans rates on its site
Rates and branches - 7.39%APRas low as
Terms
Model years 2025/2024; APR based on $20,000 loan with credit score 750+
Auto loan score 61 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 7.39%APRas low as
Terms
As Low As rate. APR based on $25,000.00 loan with credit score of 760+ and $240 processing fee.
Auto loan score 61 · Carrot Score 63
Rate checked · Auto loans rates on its site
Rates and branches - 7.39%APRas low as · up to 7.75%
7.39% APR, up to 7.75%
Terms
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.
Auto loan score 61 · Carrot Score 61
Rate checked · Auto loans rates on its site
Rates and branches - 7.42%APRas low as
Terms
Based on a 6-year fixed rate loan of $10,000 and a credit score of 700. Rates may vary depending on Credit Score and Loan-To-Value. Minimum loan amount of $3,000. Proof of insurance required at closing. 0.25% rate reduction with Auto Pay.
Auto loan score 61 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 7.49%APRas low as
Terms
Applies to 2026 & 2025 never titled vehicles. 0% down. Can go to 84 months but rate increases 1%.
Auto loan score 60 · Carrot Score 62
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