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 1–6 of 6 in Ashland, OH metro · median 5.70% APR
- Ashland Community Federal Credit UnionACFCU 75th Anniversary Loan Promo · up to 75 months
Credit union · 1 branch
4.75%APRas low asTerms
Valid for 2021 and newer vehicles, ATVs, motorcycles, and refinances. Up to 75 months. In-house secured closed loans include a $25.00 donation to The Cat House Feline Sanctuary through 9-30-2026. Some restrictions may apply.
Auto loan score 87 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.34%APRas low as · up to 20.69%with conditions
5.34% APR, up to 20.69%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Available to well-qualified applicants. Includes a 0.25% discount for automated payment from a PNC checking account set up at loan closing; rate increases 0.25% if automated payment is discontinued. Available for 2018-2027 model year non-commercial vehicles with up to 80,000 miles (up to 100,000 miles based on credit qualifications).
Auto loan score 71 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 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 73 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 5.91%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Vehicle year: 2026. Maximum term: 84 months.
Auto loan score 68
Rate checked · Auto loans rates on its site
Rates and branches - 6.24%APRas low as
Terms
Based on 60 months and $45,000 financing amount with $0 down payment for online applicants with excellent credit. Rate discount of 0.25% may be available for Chase customers maintaining an average daily combined balance of $150,000 or more across eligible accounts.
Auto loan score 64 · Carrot Score 60
Rate checked · Auto loans rates on its site
Rates and branches - 6.64%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Credit score 751 and higher. Example based on $20,000 loan amount for 2026 or newer vehicle. $250 origination fee. APR based on automatic payments with Main Street Bank checking account.
Auto loan score 63 · Carrot Score 61
Rate checked · Auto loans rates on its site
Rates and branches
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 Ashland, OH metro
6 banks and credit unions · checked Sep 26–Oct 22
- Typical
- 5.70%
- Top 10% up to
- 5.04%
- Banks, typical
- 6.08%
- Credit unions, typical
- 5.12%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Ashland, OH metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Directions Credit UnionCredit union · 1 branch
- Ashland Community Federal Credit UnionCredit union · 1 branch