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 61–75 of 137 in Ohio · median 5.24% APR
- 5.14%APRas low as
Terms
New & Used 2019-2026. Rate is as low as 4.99%. APR example based on loan amount of $20,000 and max term stated.
Auto loan score 82 · Carrot Score 96
Rate checked · Auto loans rates on its site
More details - Honda Federal Credit UnionNew Automobiles (2025 and Newer) · up to 66 months
Credit union · 5 branches
5.14%APRas low asTerms
Estimated payment per $1000 is $17.43.
Auto loan score 78 · Carrot Score 86
Rate checked · Auto loans rates on its site
More details - 5.15%APRas low as
Terms
Model years 2023 and newer. Fixed APR as low as rate. Rates may change based on loan term and credit score. Processing fee applies and will increase the Annual Percentage Rate.
Auto loan score 82 · Carrot Score 84
Rate checked · Auto loans rates on its site
More details - 5.15%APRas low as
Terms
Buy that new vehicle you've been wanting!
Auto loan score 82 · Carrot Score 96
Rate checked · Auto loans rates on its site
More details - 5.18%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model year 2025 & newer. Requires Tier A+ credit and automated payment from an OHecu account.
Auto loan score 77 · Carrot Score 77
Rate checked · Auto loans rates on its site
More details - 5.19%APRas low as
Terms
Rates as low as 5.19%. Same-rate financing up to 72 months. Subject to credit approval. *5.45% APR based on a $30,000 loan at the maximum term with a $225 processing fee.
Auto loan score 81 · Carrot Score 83
Rate checked · Auto loans rates on its site
More details - 5.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate reflects a 0.25-point discount for direct deposit with an AurGroup checking account. Mileage must be less than 70,000 to qualify for 72-month financing. Loan amounts of $25,000 or more may qualify for 76-month financing. Loan amounts of $30,000 or more may qualify for 84-month financing. APR may adjust depending on credit history and loan-to-value.
Auto loan score 80 · Carrot Score 80
Rate checked · Auto loans rates on its site
More details - 5.24%APRas low as
Terms
1st Time Car Buyer Program: Rates as low as 5.24% for 72 months. Qualifications apply.
Auto loan score 80 · Carrot Score 68
Rate checked · Auto loans rates on its site
More details - 5.24%APRas low as
Terms
Model Year 2026-2025 up to 66 months. Fixed rate. Based on a $25,000 loan with a $130 application fee.
Auto loan score 80 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 5.24%APRas low as
Terms
Vehicle model year 2020 and newer. As low as APR.
Auto loan score 80 · Carrot Score 81
Rate checked · Auto loans rates on its site
More details - DoverPhila Federal Credit UnionCars, Trucks, Vans, and Motorcycles · up to 72 months
Credit union · 6 branches
5.24%APRas low as · up to 11.74%5.24% APR, up to 11.74%
Terms
Model / Year: New/Untitled. Collateral can have terms up to 72 Months, may include 2025 to present. Prices $50k and above are eligible for 84 Month term, add 1.00%. Advertised APR range across credit score tiers (730+ to 549 & lower). Monthly payment per $1,000 borrowed: $16.22 to $19.42.
Auto loan score 74 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 5.24%APRas low as
Terms
Loan interest rates are based on credit worthiness and the terms of the loan.
Auto loan score 74 · Carrot Score 67
Rate checked · Auto loans rates on its site
More details - 5.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
For vehicle year 2022 and newer. Rate reflects an additional .25% rate reduction with payments automatically deducted from your Stark FCU checking or savings account.
Auto loan score 74 · Carrot Score 85
Rate checked · Auto loans rates on its site
More details - 5.24%APRas low as
Terms
Applies to new and current 3 model year vehicles. Rates as low as stated. Terms up to 85 months available. Rates quoted based on sample loan of $20,000 for a 2017 or newer collateral with under 100,000 miles, credit score of 740, and $175 loan processing fee. State and county recording charges apply.
Auto loan score 73 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 5.25%APRas low as
Terms
Applies to 2017 or newer vehicles under 100K miles up to 75 months max term.
Auto loan score 79 · Carrot Score 78
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
- 4.50%
- 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
- Chivaho Federal Credit UnionCredit union · 1 branch
- Wright-Patt Credit UnionCredit union · 41 branches