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 106–120 of 137 in Ohio · median 5.24% APR
- 5.50%APRas low as
Terms
Model years 2024-2026. Rates based upon individual credit; subject to credit approval.
Auto loan score 73 · Carrot Score 82
Rate checked · Auto loans rates on its site
More details - 5.50%APRas low as · up to 17.95%
5.50% APR, up to 17.95%
Terms
Credit Score 780+ (Tier A++) to 600 - 639 (Tier C); Tier D & E (599 Or <) CALL
Auto loan score 72 · Carrot Score 77
Rate checked · Auto loans rates on its site
More details - Lan Fair Federal Credit UnionNew 2025 and 2026 Automobiles and Trucks · up to 60 months
Credit union · 2 branches
5.50%APRas low asTerms
No Down Payment. Fixed APR.
Auto loan score 68 · Carrot Score 66
Rate checked · Auto loans rates on its site
More details - Local 392 Federal Credit UnionNew Auto Loans 2026 – 2027 6,000 Miles or Less · 49–60 months
Credit union · 1 branch
5.50%APRas low as · up to 11.00%5.50% APR, up to 11.00%
Terms
Credit Rating: A+ (5.50%), A (6.00%), B (6.50%), C (8.50%), D (11.00%)
Auto loan score 68 · Carrot Score 63
Rate checked · Auto loans rates on its site
More details - Nickel Steel Federal Credit UnionNEW/NEWER VEHICLES (2026-2023) · up to 60 months
Credit union · 1 branch
5.50%APRas low asTerms
Starting rate (Daily Periodic Rate starting at 0.01507%). Model years 2026-2023.
Auto loan score 68 · Carrot Score 65
Rate checked · Auto loans rates on its site
More details - 5.54%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
2023 & Newer vehicle. Advantage Program rate. APR based on $20,000 loan with $124 doc fee amortized over 51 months.
Auto loan score 72 · Carrot Score 64
Rate checked · Auto loans rates on its site
More details - 5.55%APRas low as
Terms
Model years 2023 - 2027. Minimum credit score of 750+ required. New money only; Kemba refinances do not apply. Example loan in the amount of $25,000.00 for 63 months, monthly payment of $456.55, interest rate 5.39% and APR 5.55%.
Auto loan score 72 · Carrot Score 86
Rate checked · Auto loans rates on its site
More details - 5.61%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates are APR as low as and subject to creditworthiness. A discount of 0.25% is applied for the setup of automatic payment originated from Century Federal checking account. A $150.00 processing fee applies to all vehicle loans.
Auto loan score 66 · Carrot Score 80
Rate checked · Auto loans rates on its site
More details - 5.61%APRas low as
Terms
Rates as low as based on credit score. Repayment terms up to 84 months; over 72 months add 0.50%. Stated APR includes $75.00 processing fee (example monthly installments of $653.86 based on $25,000.00 loan amount over 60 months). Applicable to new and used vehicles.
Auto loan score 72 · Carrot Score 85
Rate checked · Auto loans rates on its site
More details - 5.70%APRas low as
Terms
Model year 2023 and newer. Rates as low as stated. Minimum loan amount usually $5,000; minimum loan amount for terms greater than 63 months is $10,000; minimum loan amount for terms greater than 75 months is $20,000.
Auto loan score 71 · Carrot Score 63
Rate checked · Auto loans rates on its site
More details - 5.74%APRas low as
Terms
Vehicle Loans assume you will borrow $25,000 with $149 loan processing fee; the loan amount will be $25,149. The calculated APR on a 60 months loan with an interest rate of 5.49% would be 5.74%. Rate as low as.
Auto loan score 70 · Carrot Score 79
Rate checked · Auto loans rates on its site
More details - 5.74%APRas low as
Terms
Applicable to model years 2017-2020. Rate is as low as 5.74%. Sample APR is 6.115% APR based on an example loan of $30,000 for maximum term. Monthly payment $577.87. Terms may be reduced if over 100,000 miles.
Auto loan score 70 · Carrot Score 91
Rate checked · Auto loans rates on its site
More details - 5.74%APRas low as
Terms
Less than 5 years old. Minimum credit score required for as low as rates is 720.
Auto loan score 70 · Carrot Score 77
Rate checked · Auto loans rates on its site
More details - 5.74%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
2025 – Newer. With Autopay Discount. As low as rate based on 760+ Credit Score and Auto Pay. Floor rate of 5.490%. Additional Discounts Available.
Auto loan score 67 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 5.74%APRas low as
Terms
New (<10K miles). As low as rate. Private party sales do not qualify for New Vehicle rates. Motorcycles need to have never been titled to qualify for New Vehicle rates.
Auto loan score 67 · Carrot Score 86
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