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 39 in Cleveland, OH metro · median 5.25% APR
- 3.99%APRas low as · up to 10.99%
3.99% APR, up to 10.99%
Terms
Promotional rates until 12/31/2026; APR range covers credit scores 600 to 730+ (3.99% for 730+ to 10.99% for 600-639)
Auto loan score 91 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Auto loan score 87 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.29%APRas low as
Terms
Fall Auto Loan Promotion: 90 days no payments / deferred payment, $160 standard processing fee waived. Existing Emerald Credit Union auto loans are not eligible for refinance under this promotion.
Auto loan score 88 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 4.29%APRas low as
Terms
As low as rate for 37-60 months on new vehicles (2025 and newer model years). Assumes excellent credit.
Auto loan score 88 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Credit Score 750+ (Risk: Very Low, Credit Union Score: A+)
Auto loan score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
All loans subject to credit approval within underwriting guidelines. Rates subject to change without notice.
Auto loan score 85 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.70%APRas low as
Terms
Model Year: New - 2024. Term: 60 months.
Auto loan score 86 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
As low as APR; rates based on credit score.
Auto loan score 85 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
APRs include a 0.25 percentage-point rate reduction for GenFed checking with direct deposit and a 0.50 percentage-point rate reduction for LTV below 90% (reductions can be combined). Actual APR may be higher. Financing up to 84 months on new and 72 months on used cars; maximum vehicle loan amount $250,000. Optional 90-day payment delay (interest accrues). Prepayment penalty reimbursement up to $100 when refinancing.
Auto loan score 83 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Fixed rate on all new and used vehicles, model year 2021 and newer. Rates determined by product, term, and creditworthiness, and subject to approval. To qualify for 4.99% APR, credit score must be 720 or higher with terms up to 60 months; terms from 61-72 months require one qualifying member relationship discount. $0 application fee, $0 processing fee.
Auto loan score 83 · Carrot Score 90
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rate is as low as.
Auto loan score 80 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model Year 2021-2026. Payment example $19 per $1,000. 'As low as' rate includes maximum aggregate discounts of 1.00% (0.25% discount for direct deposit/auto transfer, 0.25% for 10% down payment on vehicle purchase only, 0.25% for e-Statements with home-banking before closing, 0.25% with purchase of GAP, Warranty or Credit Life/Disability Insurance). Minimum loan requirement for the term. Rate and maximum term dependent on credit history and/or age of vehicle.
Auto loan score 79 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
Vehicles (2026 to 2025).
Auto loan score 82 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
Published rates are for qualified borrowers. Rates are subject to change without notice. Some restrictions may apply.
Auto loan score 73 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.18%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model year 2025 & newer. Requires Tier A+ credit and automated payment from an OHecu account.
Auto loan score 76 · Carrot Score 77
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 Cleveland, OH metro
39 banks and credit unions · checked Oct 16–22
- Typical
- 5.25%
- Top 10% up to
- 4.46%
- Banks, typical
- 6.06%
- Credit unions, typical
- 5.19%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Cleveland, OH metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- 7 17 Credit UnionCredit union · 2 branches
- Commstar Credit UnionCredit union · 2 branches
- Achieve CUCredit union · 3 branches