Compare Bank & Credit Union Rates
Best auto loan rates, new and used
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 1–15 of 21 in Ohio · median 6.64% APR
- 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 72 · Carrot Score 75
Rate checked · Auto loans rates on its site
More details - 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 69 · Carrot Score 67
Rate checked · Auto loans rates on its site
More details - 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
More details - 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 67 · Carrot Score 65
Rate checked · Auto loans rates on its site
More details - 5.75%APRas low as · up to 14.27%
5.75% APR, up to 14.27%
Terms
Fixed APR range for new car loans; excellent credit required for lowest rates. APR may differ based on amount, term length, and credit profile. Loan amounts $3,500 to $400,000. Terms up to 84 months.
Auto loan score 69 · Carrot Score 61
Rate checked · Auto loans rates on its site
More details - 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 69 · Carrot Score 69
Rate checked · Auto loans rates on its site
More details - 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
More details - 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
More details - 6.09%APRas low as
Terms
Based on 60 months and $45,000 financing amount with $0 down payment for online applicants with excellent credit ($870.81 monthly payment). 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. May not include a $195 loan origination fee for Indiana applications.
Auto loan score 66 · Carrot Score 60
Rate checked · Auto loans rates on its site
More details - 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
More details - 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
More details - 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
More details - 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 62 · Carrot Score 60
Rate checked · Auto loans rates on its site
More details - 7.13%APRas low as
Terms
Vehicle Year: 2023 & Newer. Maximum term 60 Months. Based on purchase money only and credit score of 760+. Loan amount of $10,000 with $275 loan processing fee.
Auto loan score 62 · Carrot Score 63
Rate checked · Auto loans rates on its site
More details - 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
More details
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
21 banks and credit unions · checked Nov 5–6
- Typical
- 6.64%
- Top 10% up to
- 5.64%
- Banks, typical
- 6.64%
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
- Homeland Credit UnionCredit union · 5 branches
- Wright-Patt Credit UnionCredit union · 41 branches
- Chivaho Federal Credit UnionCredit union · 1 branch