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 91–105 of 137 in Ohio · median 5.24% APR
- 5.49%APRas low as
Terms
Based on new and used vehicles financed up to 63 months with qualified credit.
Auto loan score 74 · Carrot Score 77
Rate checked · Auto loans rates on its site
More details - 5.49%APRas low as
Auto loan score 74 · Carrot Score 69
Rate checked · Auto loans rates on its site
More details - 5.49%APRas low as
Terms
Up to 84 months; up to 100% financing; no pre-payment penalties; rates based on credit qualifications.
Auto loan score 74 · Carrot Score 97
Rate checked · Auto loans rates on its site
More details - Educational Community Alliance CUNew/Used Vehicle Loan (Motorcycles and Mobility)
Credit union · 1 branch
5.49%APRas low asTerms
Rate listed as 'as low as'. Actual rate and repayment terms depend on individual credit score, credit history, and loan term.
Auto loan score 74 · Carrot Score 76
Rate checked · Auto loans rates on its site
More details - 5.49%APRas low as
Terms
Up to 63 months. Rates shown are as low as.
Auto loan score 74 · Carrot Score 92
Rate checked · Auto loans rates on its site
More details - 5.49%APRas low as · up to 15.49%
5.49% APR, up to 15.49%
Terms
Rates tiered by credit rating: A+ (5.49% APR), A (5.49% APR), B (5.99% APR), C (9.99% APR), D (11.49% APR), E (15.49% APR).
Auto loan score 74
Rate checked · Auto loans rates on its site
More details - 5.49%APRas low as
Terms
APR based on TransUnion credit score of 730 or above.
Auto loan score 73 · Carrot Score 71
Rate checked · Auto loans rates on its site
More details - 5.49%APRas low as
Terms
Rates vary by individual credit score and may vary by the term of loan, and are subject to change.
Auto loan score 73 · Carrot Score 80
Rate checked · Auto loans rates on its site
More details - 5.49%APRas low as
Terms
New Vehicle - 2025 & 2026. Actual rate may vary depending on credit history, loan term, and equity in vehicle.
Auto loan score 71 · Carrot Score 82
Rate checked · Auto loans rates on its site
More details - 5.49%APRas low as · up to 16.49%
5.49% APR, up to 16.49%
Auto loan score 70 · Carrot Score 84
Rate checked · Auto loans rates on its site
More details - 5.49%APRas low as
Terms
As low as rate for New & Used Vehicles. Actual rate and payment amount reflect credit score and circumstance. Excludes refinancing of IH Credit Union loans.
Auto loan score 70 · Carrot Score 77
Rate checked · Auto loans rates on its site
More details - 5.49%APRas low as
Terms
New Vehicles (2025 or newer). Rates quoted as low as; actual rate based on credit history. Shared rates schedule from p80.
Auto loan score 70 · Carrot Score 75
Rate checked · Auto loans rates on its site
More details - Dynamic Federal Credit UnionVehicle Loans - 2023 through 2026 Models · up to 84 months
Credit union · 1 branch
5.50%APRas low asTerms
APR (As low as) assumes excellent borrower credit history. Your APR may differ based on credit history, approved loan amount, and term.
Auto loan score 73 · Carrot Score 80
Rate checked · Auto loans rates on its site
More details - Holy Family Parma Federal Credit UnionNew Cars & Used Cars (2026 – 2025, 2024) · up to 60 months
Credit union · 1 branch
5.50%APRas low as · up to 7.50%5.50% APR, up to 7.50%
Terms
Beacon Score 625 to 725+; rate varies by Beacon Score (725+: 5.50%, 675-724: 6.50%, 625-674: 7.50%)
Auto loan score 73 · Carrot Score 62
Rate checked · Auto loans rates on its site
More details - 5.50%APRas low as
Terms
Model Year 2023 & newer. Actual rates and terms vary based on credit history.
Auto loan score 73 · Carrot Score 80
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