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 31–45 of 137 in Ohio · median 5.24% APR
- 4.74%APRas low as
Terms
Rate shown for new or up to four years old auto or motorcycle, up to 60 months. Lowest current rate listed based on credit, collateral, and loan term.
Auto loan score 88 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 4.74%APRas low as
Terms
As low as APR; rates based on credit score.
Auto loan score 86 · Carrot Score 66
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
APRs include a 0.25 percentage-point rate reduction for GenFed checking with direct deposit and a 0.50 percentage-point rate reduction for LTV below 90% (reductions can be combined). Actual APR may be higher. Financing up to 84 months on new and 72 months on used cars; maximum vehicle loan amount $250,000. Optional 90-day payment delay (interest accrues). Prepayment penalty reimbursement up to $100 when refinancing.
Auto loan score 84 · Carrot Score 79
Rate checked · Auto loans rates on its site
More details - 4.74%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model Year: 2026/2025/2024/2023. Includes 1/4% rate discount for selecting an automated loan repayment option.
Auto loan score 63 · Carrot Score 75
Rate checked · Auto loans rates on its site
More details - Ashland Community Federal Credit UnionACFCU 75th Anniversary Loan Promo · up to 75 months
Credit union · 1 branch
4.75%APRas low asTerms
Valid for 2021 and newer vehicles, ATVs, motorcycles, and refinances. Up to 75 months. In-house secured closed loans include a $25.00 donation to The Cat House Feline Sanctuary through 9-30-2026. Some restrictions may apply.
Auto loan score 88 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 4.75%APRas low as
Terms
Up to 100% financing for 2023 & newer models. Rate based on creditworthiness and term of loan.
Auto loan score 84 · Carrot Score 82
Rate checked · Auto loans rates on its site
More details - 4.75%APRas low as · up to 12.25%with conditions
4.75% APR, up to 12.25%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
For terms 72 months or less. Rate range reflects credit scores from A+ (740+ at 4.75%) to D (630-649 at 12.25%). Includes 0.50% discount for Automatic Payments or Direct Deposit.
Auto loan score 71 · Carrot Score 69
Rate checked · Auto loans rates on its site
More details - 4.79%APRas low as
Terms
Rate as low as 4.79% APR for 2020 & newer vehicles. Rate based on creditworthiness and term of loan.
Auto loan score 87 · Carrot Score 87
Rate checked · Auto loans rates on its site
More details - 4.82%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Stated as low as 4.75% interest rate, APR 4.82%. Lowest rate requires a direct deposit in place prior to loan disbursement. APR is based on financing $25,000 for 60 months with a $50 processing fee included.
Auto loan score 83 · Carrot Score 81
Rate checked · Auto loans rates on its site
More details - 4.84%APRas low as
Terms
Rate as Low as 4.74%, APR as Low as 4.844%. Rate disclosed is based on a highly qualified credit candidate and may vary. Additional discounts may be available. Example: A $15,000 vehicle loan with no down payment will be paid in 48 months with a payment of $348.40 at the disclosed APR.
Auto loan score 83 · Carrot Score 87
Rate checked · Auto loans rates on its site
More details - 4.89%APRas low as
Terms
Advertised APR. Rate based on creditworthiness and term of loan. APR may differ based on fees applied during underwriting.
Auto loan score 87 · Carrot Score 87
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Fixed rate on all new and used vehicles, model year 2021 and newer. Rates determined by product, term, and creditworthiness, and subject to approval. To qualify for 4.99% APR, credit score must be 720 or higher with terms up to 60 months; terms from 61-72 months require one qualifying member relationship discount. $0 application fee, $0 processing fee.
Auto loan score 84 · Carrot Score 90
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low as
Terms
Rates as low as 4.99% based on individual creditworthiness.
Auto loan score 84 · Carrot Score 85
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low as
Terms
Rates as low as.
Auto loan score 84 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low as
Auto loan score 84 · Carrot Score 68
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