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 76–90 of 154 in Ohio · median 5.25% APR
- 5.24%APRas low as
Terms
Applies to new and current 3 model year vehicles. Rates as low as stated. Terms up to 85 months available. Rates quoted based on sample loan of $20,000 for a 2017 or newer collateral with under 100,000 miles, credit score of 740, and $175 loan processing fee. State and county recording charges apply.
Auto loan score 72 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
Applies to 2017 or newer vehicles under 100K miles up to 75 months max term.
Auto loan score 77 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as · up to 17.99%
5.25% APR, up to 17.99%
Terms
Rate based on individual credit quality.
Auto loan score 77 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - Medina County Federal Credit UnionAuto Loan - Purchase New or Used · up to 78 months
Credit union · 3 branches
5.25%APRas low asTerms
As Low As rate for term up to 78 Months. Secured by vehicle with not more than 150,000 miles. Available for well qualified applicants.
Auto loan score 77 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
Rates as low as 5.25% APR
Auto loan score 77 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
Model years 2024-2026. Rates based upon individual credit; subject to credit approval.
Auto loan score 77 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - Ukrainian Federal Credit UnionNew Auto Loan (vehicle year 2025 - 2026) · up to 60 months
Credit union · 1 branch
5.25%APRas low as · up to 6.25%with conditions5.25% APR, up to 6.25%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Maximum term 5 years. Base APR is 6.25%; APR as low as 5.25% includes up to 1.00% relationship discount based on approved credit.
Auto loan score 73 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
Rates effective as of October 1, 2026. APR applies to loans on 2025 or newer autos only with 5000 miles or less financing $10,000.00 & under. Loans over $10,000.00 require a prepaid finance charge which will affect the final APR.
Auto loan score 72 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as · up to 9.00%
5.25% APR, up to 9.00%
Terms
New auto loans up to 66 mos (model years 2025-2027). APR range 5.25% (A+ tier, 110% LTV) to 9.00% (Second Chance, 90% LTV, min credit score 550). No prepayment penalties. Rate discounts available: Automatic Payment Debit (-0.25%) or Diamond Club (-1.00%).
Auto loan score 71 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
From 49 to 66 Months. Rates listed for 740+ credit score. Add .25/.26 to all rates if payments are not made by payroll deduction or ACH. Maximum loan 100% of purchase price.
Auto loan score 71
Rate checked · Auto loans rates on its site
Rates and branches - 5.29%APRas low as
Terms
All loans subject to credit approval.
Auto loan score 76
Rate checked · Auto loans rates on its site
Rates and branches - Midwest Community Federal Credit UnionVehicle Loans – 2023-2026 · 61–72 months
Credit union · 3 branches
5.34%APRas low asTerms
$15,000 minimum loan amount. APR based on $25,000 Loan and $250 fee. Monthly payment amount per $1,000 borrowed is $16.11.
Auto loan score 71 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.34%APRas low as
Terms
$20,000 vehicle loan with no down payment will have payments of $382.20 for 60 months.
Auto loan score 76 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 5.34%APRas low as · up to 20.69%with conditions
5.34% APR, up to 20.69%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Available to well-qualified applicants. Includes a 0.25% discount for automated payment from a PNC checking account set up at loan closing; rate increases 0.25% if automated payment is discontinued. Available for 2018-2027 model year non-commercial vehicles with up to 80,000 miles (up to 100,000 miles based on credit qualifications).
Auto loan score 71 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 5.39%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Current and previous model year vehicle, never taxed or titled, with less than 1,000 miles. APR based on $40,000 financed for 48 months, with qualifying credit, including loan processing fee of $75. Quoted rates reflect 0.25% discount for EasyPAY.
Auto loan score 66 · Carrot Score 72
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