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 121–135 of 154 in Ohio · median 5.25% APR
- 5.74%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
2025 – Newer. With Autopay Discount. As low as rate based on 760+ Credit Score and Auto Pay. Floor rate of 5.490%. Additional Discounts Available.
Auto loan score 67 · Carrot Score 90
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Model year 2024. Loan amount $20,000. Available to well-qualified borrowers; includes a 0.25% discount with qualifying checking account. Not available to refinance existing Dollar Bank loans.
Auto loan score 66 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as
Terms
Rate display 60 month term. Terms up to 72 months. Rate and term subject to credit approval.
Auto loan score 65 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 5.76%APRas low as
Terms
Model Year: 2025 - 2027. Rate as low as 5.49%, APR as low as 5.76%. Payment $619.99 for 66 months based on $35,000 amount financed, 750 credit score, 75% LTV, 50,000 miles, and $250 processing fee.
Auto loan score 68 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 5.83%APRas low as
Auto loan score 68 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 5.89%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New vehicles. 0% down payment.
Auto loan score 63 · Carrot Score 63
Rate checked · Auto loans rates on its site
Rates and branches - 5.90%APRas low as
Terms
Rates As Low As
Auto loan score 64 · Carrot Score 62
Rate checked · Auto loans rates on its site
Rates and branches - 5.91%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Vehicle year: 2026. Maximum term: 84 months.
Auto loan score 68
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
For vehicle model years 2022 to 2026.
Auto loan score 66 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - Sharefax Credit UnionVehicle Loans MODEL YEAR 2023 & NEWER · up to 63 months
Credit union · 9 branches
5.99%APRas low asTerms
Model year 2023 and newer; up to 63 months.
Auto loan score 66 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
Vehicle model year 2026 or newer.
Auto loan score 66 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
2023 and newer models. APR will vary if loan is signed at a partner dealer location.
Auto loan score 64 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 6.00%APRas low as
Terms
APR as low as stated rate. Rate based on creditworthiness and term of loan. APR is fixed for the term of the loan.
Auto loan score 66 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 6.00%APRas low as
Terms
New (2025 - 2026)
Auto loan score 63 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 6.05%APRas low as
Terms
For model year 2022 & older vehicles. Rate is as low as stated and subject to credit approval; sample payment calculation based on $20,000 loan amount with $125 processing fee.
Auto loan score 65 · Carrot Score 90
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