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 16–30 of 35 in Cincinnati, OH-KY-IN metro · median 5.49% APR
- 5.49%APRas low as
Terms
Vehicle age less than 5 years old. Minimum credit score required for as low as rate is 720.
Auto loan score 73 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
APR based on TransUnion credit score of 730 or above.
Auto loan score 72 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 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 72 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as · up to 16.49%
5.49% APR, up to 16.49%
Auto loan score 69 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Model Year 2025-2027 - NEW. APR disclosed is for 'A' credit; rates are based on representative credit score and LTV. Vehicle is considered used for any model year if it has 20,000 or more miles.
Auto loan score 69 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 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 67 · Carrot Score 63
Rate checked · Auto loans rates on its site
Rates and branches - 5.64%APRas low as
Terms
Advertised as-low-as APR assumes excellent borrower credit history and is specific to VA. Advertised rate does not include additional BofA Rewards interest rate discount of 0.10% to 0.50%. Rate guaranteed for 30 days from application approval.
Auto loan score 66 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 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 70 · Carrot Score 63
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as
Terms
Vehicle model years 2022 - 2026.
Auto loan score 69 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 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 90
Rate checked · Auto loans rates on its site
Rates and branches - 5.90%APRas low as
Terms
Rates As Low As
Auto loan score 64 · Carrot Score 62
Rate checked · Auto loans rates on its site
Rates and branches - 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 66 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
Vehicle model year 2026 or newer.
Auto loan score 66 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
2023 and newer models. APR will vary if loan is signed at a partner dealer location.
Auto loan score 64 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 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 65 · Carrot Score 90
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