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 1–15 of 35 in Cincinnati, OH-KY-IN metro · median 5.49% APR
- 3.99%APRas low as · up to 14.39%
3.99% APR, up to 14.39%
Terms
Available September 1 – October 31, 2026. Rate based on creditworthiness, loan terms and other factors.
Auto loan score 94 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low as
Terms
New & Green Vehicles. As low as APR upon approved credit. "Green" vehicles are electric, hybrid or a vehicle that gets >35 MPG City (per www.fueleconomy.gov).
Auto loan score 87 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Loan amount over $20,000
Auto loan score 87 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 4.65%APRas low as
Terms
Model year 2026. Rate as low as 4.65% APR based on creditworthiness. Does not apply to refinance of existing HHCU auto loans. $195 origination fee applies.
Auto loan score 88 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.65%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Requires 710 or higher credit score and model year 2022 and newer. Rate reflects a 0.50% off regular rate of 4.99% for doing all banking with us. Based on financing $25,000 for 63 months. $99 processing fee included in APR calculation. Rates as low as 4.49% interest rate.
Auto loan score 78 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rates as low as 4.99% based on individual creditworthiness.
Auto loan score 83 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 15.44%
4.99% APR, up to 15.44%
Auto loan score 83 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
Auto loan score 82 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - Northern Kentucky Federal Credit UnionNew/Used Vehicle Loans · up to 60 months
Credit union · 2 branches
5.00%APRas low as · up to 15.25%5.00% APR, up to 15.25%
Terms
Rate varies by credit tier (5.00% for 680+ A+/A, 5.75% for 640-679 B, 8.75% for 600-639 C, 15.25% for 599 or less D/E). 60 month term available on 2018-2015 model years.
Auto loan score 82 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 5.05%APRas low as
Terms
Disclosed rate is based on a highly qualified credit candidate and may vary. Example: $15,000 vehicle loan with no down payment paid in 48 months with payment of $345.75 at disclosed APR.
Auto loan score 77 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate reflects 0.25 point discount for direct deposit with checking. Mileage must be less than 70,000 to qualify for 72-month financing. Loan amounts of $25,000 or more may qualify for 76-month financing. Loan amounts of $30,000 or more may qualify for 84-month financing. Rate based on creditworthiness, loan to value, and term.
Auto loan score 79 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Applies to new and current 3 model year vehicles. Rates as low as stated. Terms up to 85 months available. Rates quoted based on sample loan of $20,000 for a 2017 or newer collateral with under 100,000 miles, credit score of 740, and $175 loan processing fee. State and county recording charges apply.
Auto loan score 72 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 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 71 · Carrot Score 85
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 - 5.39%APRas low as
Terms
Model years 2023 - 2026 (table lists 2025-2026). Minimum credit score of 750+ required. New money only; Kemba refinances do not apply.
Auto loan score 76 · Carrot Score 85
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 Cincinnati, OH-KY-IN metro
35 banks and credit unions · checked Oct 16–22
- Typical
- 5.49%
- Top 10% up to
- 4.65%
- Banks, typical
- 6.24%
- Credit unions, typical
- 5.49%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Cincinnati, OH-KY-IN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Superior Credit UnionCredit union · 5 branches
- CommunityAmerica Credit UnionCredit union · 1 branch
- Central BankBank · 4 branches