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 121–135 of 137 in Ohio · median 5.24% APR
- 5.75%APRas low as
Terms
Rate display 60 month term. Terms up to 72 months. Rate and term subject to credit approval.
Auto loan score 66 · Carrot Score 78
Rate checked · Auto loans rates on its site
More details - 5.79%APRas low as
Terms
2020 and Newer. Rates as low as 5.79% APR. New and used autos.
Auto loan score 69 · Carrot Score 87
Rate checked · Auto loans rates on its site
More details - 5.83%APRas low as
Auto loan score 69 · Carrot Score 69
Rate checked · Auto loans rates on its site
More details - 5.90%APRas low as
Terms
Rates As Low As
Auto loan score 65 · Carrot Score 62
Rate checked · Auto loans rates on its site
More details - Sharefax Credit UnionVehicle Loans MODEL YEAR 2023 & NEWER · up to 63 months
Credit union · 9 branches
5.99%APRas low asTerms
Model year 2023 and newer; up to 63 months.
Auto loan score 67 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 5.99%APRas low as
Terms
Vehicle model year 2026 or newer.
Auto loan score 67 · Carrot Score 83
Rate checked · Auto loans rates on its site
More details - 5.99%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
For vehicle model years 2022 to 2026. Rate includes a 0.25% discount for active Absolute Checking account.
Auto loan score 65 · Carrot Score 74
Rate checked · Auto loans rates on its site
More details - 5.99%APRas low as
Terms
2023 and newer models. Lowest advertised rate ('As low as').
Auto loan score 64 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 6.00%APRas low as
Terms
APR as low as stated rate. Rate based on creditworthiness and term of loan. APR is fixed for the term of the loan.
Auto loan score 66 · Carrot Score 69
Rate checked · Auto loans rates on its site
More details - 6.05%APRas low as
Terms
For model year 2022 & older vehicles. Rate is as low as stated and subject to credit approval; sample payment calculation based on $20,000 loan amount with $125 processing fee.
Auto loan score 66 · Carrot Score 92
Rate checked · Auto loans rates on its site
More details - Miami University Community Federal Credit UnionNew and Used Auto Loans · up to 60 months
Credit union · 3 branches
6.24%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
For 2024 - 2026 New or Nearly New vehicles. Rates reflect highest credit rating and include a 0.35% discount for Payroll Deduction and Automatic Loan Payments.
Auto loan score 65 · Carrot Score 66
Rate checked · Auto loans rates on its site
More details - Superior Credit UnionVehicle Loans - 2024 through 2026 Models · up to 60 months
Credit union · 23 branches
6.25%APRas low asTerms
Maximum financing available is up to 100% of MSRP.
Auto loan score 64 · Carrot Score 94
Rate checked · Auto loans rates on its site
More details - 6.25%APRas low as
Terms
New (2025 - 2026)
Auto loan score 63 · Carrot Score 69
Rate checked · Auto loans rates on its site
More details - 6.26%APRas low as
Terms
2025 & Newer Model Years. Term up to 72 months. Rates as low as stated for qualified borrowers.
Auto loan score 64 · Carrot Score 78
Rate checked · Auto loans rates on its site
More details - 6.58%APRas low as
Terms
Model Year 2023 and Newer; APR as low as; interest rate 5.99%
Auto loan score 63 · Carrot Score 83
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