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 137 in Ohio · median 5.24% APR
- 3.50%APRas low as · up to 13.00%
3.50% APR, up to 13.00%
Terms
Rates range across credit tiers A++ (750+) to D (548 & below).
Auto loan score 94
Rate checked · Auto loans rates on its site
More details - 3.99%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
As low as 3.99% (up to 66 mo.). 24 - 66 Months (Terms as long as 96 months available). Single axle drive unit only (New and Used).
Auto loan score 95 · Carrot Score 85
Rate checked · Auto loans rates on its site
More details - 3.99%APRas low as · up to 10.99%
3.99% APR, up to 10.99%
Terms
Promotional rates until 12/31/2026; APR range covers credit scores 600 to 730+ (3.99% for 730+ to 10.99% for 600-639)
Auto loan score 91 · Carrot Score 72
Rate checked · Auto loans rates on its site
More details - 3.99%APRas low as
Auto loan score 88 · Carrot Score 86
Rate checked · Auto loans rates on its site
More details - 4.19%APRas low as · up to 16.99%
4.19% APR, up to 16.99%
Terms
Model year 2025-2026; Loan rates based on individual credit score.
Auto loan score 94 · Carrot Score 98
Rate checked · Auto loans rates on its site
More details - 4.24%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Auto loan score 89 · Carrot Score 91
Rate checked · Auto loans rates on its site
More details - C1CU - Community One Credit UnionNew & Used Vehicle Loans · up to 84 months
Credit union · 2 branches
4.25%APRas low asTerms
Rates as low as 4.25% APR. Actual rate and payment may be different as determined by collateral, term, loan amount and credit qualifications. Terms up to 84 months.
Auto loan score 93
Rate checked · Auto loans rates on its site
More details - 4.25%APRas low as
Terms
Two years or newer. Flexible terms up to 84 months also available.
Auto loan score 93 · Carrot Score 97
Rate checked · Auto loans rates on its site
More details - 4.29%APRas low as
Terms
Fall Auto Loan Promotion: 90 days no payments / deferred payment, $160 standard processing fee waived. Existing Emerald Credit Union auto loans are not eligible for refinance under this promotion.
Auto loan score 89 · Carrot Score 76
Rate checked · Auto loans rates on its site
More details - 4.34%APRas low as
Terms
Model years 2025 & newer. Stated as low as.
Auto loan score 88 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 4.42%APRas low as
Terms
Rate shown will not apply to every loan and may vary based on other factors. Rate discount of 0.50% available for qualifying members.
Auto loan score 92 · Carrot Score 86
Rate checked · Auto loans rates on its site
More details - First Ohio Community Federal Credit UnionNew and Used Auto Loans · up to 76 months
Credit union · 1 branch
4.45%APRas low asTerms
Rate stated as APR as low as.
Auto loan score 92 · Carrot Score 87
Rate checked · Auto loans rates on its site
More details - Wayne County Community Federal Credit UnionNew Automobile or Truck · 61–72 months
Credit union · 3 branches
4.49%APRas low asTerms
2022 & 2023 <20,000 Miles; $25,000 and up
Auto loan score 89 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 4.49%APRas low as
Terms
Base rate; adjusted according to applicant's credit score.
Auto loan score 88 · Carrot Score 83
Rate checked · Auto loans rates on its site
More details - 4.49%APRas low as
Terms
Prior Year & Current Year (untitled) Vehicles. Limited to purchase price. Copy of purchase order required. $75,000 limit. Minimum monthly payment per $1,000 is $25.78.
Auto loan score 86 · Carrot Score 82
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
137 banks and credit unions · checked Nov 6–7
- Typical
- 5.24%
- Top 10% up to
- 4.49%
- Credit unions, typical
- 5.24%
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