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 31–45 of 154 in Ohio · median 5.25% APR
- Champion Credit UnionNew Vehicles (Model Years: 2024 and Newer) · 73–84 months
Credit union · 3 branches
4.74%APRas low asTerms
Term of 73 to 84 months; Daily Periodic as low as . 012986 %
Auto loan score 87 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
Rate shown for new or up to four years old auto or motorcycle, up to 60 months. Lowest current rate listed based on credit, collateral, and loan term.
Auto loan score 87 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
Vehicle model year 2020 and newer. As low as APR.
Auto loan score 87 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
As low as APR; rates based on credit score.
Auto loan score 85 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
APRs include a 0.25 percentage-point rate reduction for GenFed checking with direct deposit and a 0.50 percentage-point rate reduction for LTV below 90% (reductions can be combined). Actual APR may be higher. Financing up to 84 months on new and 72 months on used cars; maximum vehicle loan amount $250,000. Optional 90-day payment delay (interest accrues). Prepayment penalty reimbursement up to $100 when refinancing.
Auto loan score 83 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model Year: 2026/2025/2024/2023. Includes 1/4% rate discount for selecting an automated loan repayment option.
Auto loan score 62 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - Ashland Community Federal Credit UnionACFCU 75th Anniversary Loan Promo · up to 75 months
Credit union · 1 branch
4.75%APRas low asTerms
Valid for 2021 and newer vehicles, ATVs, motorcycles, and refinances. Up to 75 months. In-house secured closed loans include a $25.00 donation to The Cat House Feline Sanctuary through 9-30-2026. Some restrictions may apply.
Auto loan score 87 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as · up to 12.25%with conditions
4.75% APR, up to 12.25%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
For terms 72 months or less. Rate range reflects credit scores from A+ (740+ at 4.75%) to D (630-649 at 12.25%). Includes 0.50% discount for Automatic Payments or Direct Deposit.
Auto loan score 70 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 4.79%APRas low as
Terms
Rate as low as 4.79% APR for 2020 & newer vehicles. Rate based on creditworthiness and term of loan.
Auto loan score 86 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Fixed rate on all new and used vehicles, model year 2021 and newer. Rates determined by product, term, and creditworthiness, and subject to approval. To qualify for 4.99% APR, credit score must be 720 or higher with terms up to 60 months; terms from 61-72 months require one qualifying member relationship discount. $0 application fee, $0 processing fee.
Auto loan score 83 · Carrot Score 90
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rates as low as 4.99% based on individual creditworthiness.
Auto loan score 83 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rates as low as.
Auto loan score 83 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - DoverPhila Federal Credit UnionCars, Trucks, Vans, and Motorcycles · up to 72 months
Credit union · 6 branches
4.99%APRas low asTerms
Model Year 2021-2026. Credit score 730+. Monthly payment per $1,000 borrowed: $16.10.
Auto loan score 83 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Auto loan score 83 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Model Year: 2026 & 2025
Auto loan score 83 · Carrot Score 80
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