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 106–120 of 154 in Ohio · median 5.25% APR
- 5.49%APRas low as · up to 16.49%
5.49% APR, up to 16.49%
Auto loan score 69 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
As low as rate for New & Used Vehicles. Actual rate and payment amount reflect credit score and circumstance. Excludes refinancing of IH Credit Union loans.
Auto loan score 69 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
New Vehicles (2025 or newer). Maximum term 60 months.
Auto loan score 69 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - Holy Family Parma Federal Credit UnionNew Cars & Used Cars (2026 – 2025, 2024) · up to 60 months
Credit union · 1 branch
5.50%APRas low as · up to 7.50%5.50% APR, up to 7.50%
Terms
Beacon Score 625 to 725+; rate varies by Beacon Score (725+: 5.50%, 675-724: 6.50%, 625-674: 7.50%)
Auto loan score 72 · Carrot Score 62
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as · up to 17.95%
5.50% APR, up to 17.95%
Terms
Credit Score 780+ (Tier A++) to 600 - 639 (Tier C); Tier D & E (599 Or <) CALL
Auto loan score 71 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
5.50% Annual Percentage Rate (APR) with 700+ credit score, primary checking account with First National Bank, auto pay from account and 2+ accounts with First National Bank. Loans subject to credit approval. Auto pay not required to obtain credit. Financing available for any term. No additional rate discounts apply.
Auto loan score 68 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - Nickel Steel Federal Credit UnionNEW/NEWER VEHICLES (2026-2023) · up to 60 months
Credit union · 1 branch
5.50%APRas low asTerms
Starting rate (Daily Periodic Rate starting at 0.01507%). Model years 2026-2023.
Auto loan score 68 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - Lan Fair Federal Credit UnionNew 2025 and 2026 Automobiles and Trucks · up to 60 months
Credit union · 2 branches
5.50%APRas low asTerms
No Down Payment. Fixed APR.
Auto loan score 67 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - Local 392 Federal Credit UnionNew Auto Loans 2026 – 2027 6,000 Miles or Less · 49–60 months
Credit union · 1 branch
5.50%APRas low as · up to 11.00%5.50% APR, up to 11.00%
Terms
Credit Rating: A+ (5.50%), A (6.00%), B (6.50%), C (8.50%), D (11.00%)
Auto loan score 67 · Carrot Score 63
Rate checked · Auto loans rates on its site
Rates and branches - 5.54%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
2023 & Newer vehicle. Advantage Program rate. APR based on $20,000 loan with $124 doc fee amortized over 51 months.
Auto loan score 72 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 5.57%APRas low as
Terms
Model Year: 2024 and Newer
Auto loan score 71 · Carrot Score 99
Rate checked · Auto loans rates on its site
Rates and branches - 5.61%APRas low as
Terms
Rates as low as based on credit score. Repayment terms up to 84 months; over 72 months add 0.50%. Stated APR includes $75.00 processing fee (example monthly installments of $653.86 based on $25,000.00 loan amount over 60 months). Applicable to new and used vehicles.
Auto loan score 71 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 5.64%APRas low as
Terms
Advertised as-low-as APR assumes excellent borrower credit history and is specific to VA. Advertised rate does not include additional BofA Rewards interest rate discount of 0.10% to 0.50%. Rate guaranteed for 30 days from application approval.
Auto loan score 66 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 5.70%APRas low as
Terms
Model year 2023 and newer. Rates as low as stated. Minimum loan amount usually $5,000; minimum loan amount for terms greater than 63 months is $10,000; minimum loan amount for terms greater than 75 months is $20,000.
Auto loan score 70 · Carrot Score 63
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as
Terms
Rate as low as 5.49% with APR 5.74%. Example assumes borrowing $25,000 with a $149 loan processing fee (total loan amount $25,149) on a 60-month term.
Auto loan score 69 · 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