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 16–30 of 137 in Ohio · median 5.24% APR
- 4.50%APRas low as · up to 16.25%
4.50% APR, up to 16.25%
Terms
Lowest rate requires score 730+ (Grade A+); highest rate applies to score 549 or Less (Grade E).
Auto loan score 89 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 4.50%APRas low as
Auto loan score 89 · Carrot Score 72
Rate checked · Auto loans rates on its site
More details - FirstEnergy Family Credit UnionNew and Used Vehicles (up to 1 ton capacity) · up to 60 months
Credit union · 1 branch
4.50%APRas low asTerms
1-5 years old. Up to 100% financing for New or 100% of NADA Avg. Retail for Used.
Auto loan score 89 · Carrot Score 87
Rate checked · Auto loans rates on its site
More details - 4.50%APRas low as
Terms
Loan amount over $20,000
Auto loan score 88 · Carrot Score 76
Rate checked · Auto loans rates on its site
More details - 4.50%APRas low as · up to 12.99%
4.50% APR, up to 12.99%
Terms
Credit score tiers: 750+ (4.50% APR, Very Low risk, A+), 680-749 (5.50% APR, Low risk, A, Base Rate), 640-679 (6.50% APR, Medium Low risk, B), 600-639 (7.50% APR, Medium risk, C), 550-599 (9.99% APR, Medium High risk, D), < 549 (12.99% APR, High risk, E). Best credit (750+) required for lowest rate.
Auto loan score 86
Rate checked · Auto loans rates on its site
More details - 4.50%APRas low as
Terms
Credit qualifications apply. New and used 2023 and newer vehicles.
Auto loan score 84 · Carrot Score 67
Rate checked · Auto loans rates on its site
More details - 4.50%APRas low as
Terms
All loans subject to credit approval within underwriting guidelines. Rates subject to change without notice.
Auto loan score 84 · Carrot Score 83
Rate checked · Auto loans rates on its site
More details - 4.54%APRas low as · up to 14.06%
4.54% APR, up to 14.06%
Terms
Model year 2025 - Newer. VIP Rates: 4.49% - 13.99%. VIP APR: 4.54% - 14.06%. Dealer APR: 6.55% - 17.36%.
Auto loan score 89 · Carrot Score 91
Rate checked · Auto loans rates on its site
More details - 4.57%APRas low as
Auto loan score 89 · Carrot Score 94
Rate checked · Auto loans rates on its site
More details - 4.59%APRas low as
Terms
As low as rate for 37-60 months on new vehicles (2025 and newer model years). Assumes excellent credit.
Auto loan score 86 · Carrot Score 86
Rate checked · Auto loans rates on its site
More details - 4.65%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Requires 710 or higher credit score and model year 2022 and newer. Rate reflects a 0.50% off regular rate of 4.99% for doing all banking with us. Based on financing $25,000 for 63 months. $99 processing fee included in APR calculation. Rates as low as 4.49% interest rate.
Auto loan score 80 · Carrot Score 86
Rate checked · Auto loans rates on its site
More details - Cornerstone Community Financial Credit UnionAuto Loans - New & Used · 40–64 months
Credit union · 2 branches
4.69%APRas low asTerms
Minimum loan amount $7,500. Approval and actual rate offered are based on overall creditworthiness factors and collateral. Mileage and model year restrictions may apply. Rate discounts of up to 1% APR may be available.
Auto loan score 89 · Carrot Score 93
Rate checked · Auto loans rates on its site
More details - 4.70%APRas low as
Terms
Model Year: New - 2024. Term: 60 months.
Auto loan score 87 · Carrot Score 87
Rate checked · Auto loans rates on its site
More details - 4.74%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
APR based off a $25,000.00 loan with a $150.00 loan origination fee. Rate as low as.
Auto loan score 89 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - Champion Credit UnionNew Vehicles (Model Years: 2024 and Newer) · 73–84 months
Credit union · 3 branches
4.74%APRas low asTerms
Term of 73 to 84 months; Daily Periodic as low as . 012986 %
Auto loan score 88 · Carrot Score 87
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