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 76–90 of 137 in Ohio · median 5.24% APR
- Medina County Federal Credit UnionAuto Loan - Purchase New or Used · up to 78 months
Credit union · 3 branches
5.25%APRas low asTerms
As Low As rate for term up to 78 Months. Secured by vehicle with not more than 150,000 miles. Available for well qualified applicants.
Auto loan score 79 · Carrot Score 86
Rate checked · Auto loans rates on its site
More details - 5.25%APRas low as
Terms
Rates as low as 5.25% APR
Auto loan score 79 · Carrot Score 84
Rate checked · Auto loans rates on its site
More details - Ukrainian Federal Credit UnionNew Auto Loan (vehicle year 2025 - 2026) · up to 60 months
Credit union · 1 branch
5.25%APRas low as · up to 6.25%with conditions5.25% APR, up to 6.25%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Maximum term 5 years. Base APR is 6.25%; APR as low as 5.25% includes up to 1.00% relationship discount based on approved credit.
Auto loan score 74 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 5.25%APRas low as
Terms
Up to 60 Months. New Vehicle APR based on credit score and term of loan.
Auto loan score 73 · Carrot Score 86
Rate checked · Auto loans rates on its site
More details - 5.25%APRas low as
Terms
Rates effective as of October 1, 2026. APR applies to loans on 2025 or newer autos only with 5000 miles or less financing $10,000.00 & under. Loans over $10,000.00 require a prepaid finance charge which will affect the final APR.
Auto loan score 73 · Carrot Score 72
Rate checked · Auto loans rates on its site
More details - 5.25%APRas low as · up to 9.00%
5.25% APR, up to 9.00%
Terms
New auto loans up to 66 mos (model years 2025-2027). APR range 5.25% (A+ tier, 110% LTV) to 9.00% (Second Chance, 90% LTV, min credit score 550). No prepayment penalties. Rate discounts available: Automatic Payment Debit (-0.25%) or Diamond Club (-1.00%).
Auto loan score 72 · Carrot Score 86
Rate checked · Auto loans rates on its site
More details - 5.25%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
From 49 to 66 Months. Rates listed for 740+ credit score. Add .25/.26 to all rates if payments are not made by payroll deduction or ACH. Maximum loan 100% of purchase price.
Auto loan score 71
Rate checked · Auto loans rates on its site
More details - 5.29%APRas low as
Terms
All loans subject to credit approval.
Auto loan score 78
Rate checked · Auto loans rates on its site
More details - Midwest Community Federal Credit UnionVehicle Loans – 2023-2026 · 61–72 months
Credit union · 3 branches
5.34%APRas low asTerms
$15,000 minimum loan amount. APR based on $25,000 Loan and $250 fee. Monthly payment amount per $1,000 borrowed is $16.11.
Auto loan score 72 · Carrot Score 87
Rate checked · Auto loans rates on its site
More details - 5.34%APRas low as
Terms
$20,000 vehicle loan with no down payment will have payments of $382.20 for 60 months.
Auto loan score 77 · Carrot Score 91
Rate checked · Auto loans rates on its site
More details - 5.39%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Current and previous model year vehicle, never taxed or titled, with less than 1,000 miles. APR based on $40,000 financed for 48 months, with qualifying credit, including loan processing fee of $75. Quoted rates reflect 0.25% discount for EasyPAY.
Auto loan score 72 · Carrot Score 72
Rate checked · Auto loans rates on its site
More details - First Choice America Community Federal Credit UnionNew Vehicle Financing · up to 60 months
Credit union · 2 branches
5.39%APRas low asTerms
100% financing.
Auto loan score 77 · Carrot Score 76
Rate checked · Auto loans rates on its site
More details - 5.39%APRas low as
Terms
Rates starting as low as 5.39% for new vehicles
Auto loan score 69
Rate checked · Auto loans rates on its site
More details - 5.49%APRas low as
Terms
Rates as low as 5.49% for 60 months.
Auto loan score 74 · Carrot Score 68
Rate checked · Auto loans rates on its site
More details - 5.49%APRas low as · up to 17.99%
5.49% APR, up to 17.99%
Terms
Rate based on individual credit quality.
Auto loan score 74 · Carrot Score 84
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