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 46–60 of 137 in Ohio · median 5.24% APR
- 4.99%APRas low as
Terms
Model Year: 2026 & 2025
Auto loan score 84 · Carrot Score 83
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low as
Terms
Rate is based on credit history, age of collateral, and term of loan. Rate shown is offered to members with excellent credit; interest rate may increase based on current credit history.
Auto loan score 84 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low as
Terms
Model year 2025-2026 (new/untitled)
Auto loan score 84 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low as · up to 15.44%
4.99% APR, up to 15.44%
Auto loan score 84 · Carrot Score 97
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low as
Auto loan score 81 · Carrot Score 85
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low as
Terms
Rate is as low as.
Auto loan score 81 · Carrot Score 81
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model Year 2021-2026. Payment example $19 per $1,000. 'As low as' rate includes maximum aggregate discounts of 1.00% (0.25% discount for direct deposit/auto transfer, 0.25% for 10% down payment on vehicle purchase only, 0.25% for e-Statements with home-banking before closing, 0.25% with purchase of GAP, Warranty or Credit Life/Disability Insurance). Minimum loan requirement for the term. Rate and maximum term dependent on credit history and/or age of vehicle.
Auto loan score 80 · Carrot Score 85
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low as
Terms
Rates starting as low as 4.99% APR. Financing available for up to 84 months. Requires current, previous, or forthcoming year models with 7,500 miles or less and never titled.
Auto loan score 79 · Carrot Score 87
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As low as, with automatic payment discount included. Term & Loan-to-Value limitations apply.
Auto loan score 76 · Carrot Score 74
Rate checked · Auto loans rates on its site
More details - 5.00%APRas low as
Terms
Vehicles (2026 to 2025).
Auto loan score 83 · Carrot Score 83
Rate checked · Auto loans rates on its site
More details - 5.00%APRas low as
Terms
Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
Auto loan score 83 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 5.00%APRas low as
Terms
Published rates are for qualified borrowers. Rates are subject to change without notice. Some restrictions may apply.
Auto loan score 74 · Carrot Score 70
Rate checked · Auto loans rates on its site
More details - 5.04%APRas low as
Terms
Fixed rate as low as 4.75%. APR based on excellent credit.
Auto loan score 82 · Carrot Score 94
Rate checked · Auto loans rates on its site
More details - TrueCore Federal Credit UnionNew Autos & Trucks (2025-2026) · up to 60 months
Credit union · 4 branches
5.08%APRas low asTerms
Calculations based on a $30,000 loan amount and a $249 processing fee.
Auto loan score 78 · Carrot Score 75
Rate checked · Auto loans rates on its site
More details - USX Federal Credit UnionNew and Used Vehicles (Model years 2026-2023) · 49–60 months
Credit union · 2 branches
5.09%APRas low asTerms
49 to 60 months. Standard Rate APR.
Auto loan score 76 · Carrot Score 71
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