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 25 in Columbus, OH metro · median 5.24% APR
- 4.19%APRas low as · up to 16.99%
4.19% APR, up to 16.99%
Terms
Model year 2025-2026; Loan rates based on individual credit score.
Auto loan score 93 · Carrot Score 99
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Auto loan score 88 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 4.57%APRas low as
Auto loan score 89 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 4.79%APRas low as
Terms
Rate as low as 4.79% APR for 2020 & newer vehicles. Rate based on creditworthiness and term of loan.
Auto loan score 86 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Model Year: 2026 & 2025
Auto loan score 83 · Carrot Score 80
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 - Honda Federal Credit UnionNew Automobiles (2025 and Newer) · up to 66 months
Credit union · 2 branches
4.99%APRas low asTerms
Estimated payment per $1000 is $17.36.
Auto loan score 81 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Auto loan score 80 · Carrot Score 86
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 - TrueCore Federal Credit UnionNew Autos & Trucks (2025-2026) · up to 60 months
Credit union · 4 branches
5.08%APRas low asTerms
Calculations based on a $30,000 loan amount and a $249 processing fee.
Auto loan score 77 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 5.19%APRas low as
Terms
Rates as low as 5.19%. Same-rate financing up to 72 months for new and used vehicles. Subject to credit approval. *5.45% APR based on a $30,000 loan at the maximum term with a $225 processing fee.
Auto loan score 80 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Model Year 2026-2025 up to 66 months. Fixed rate. Based on a $25,000 loan with a $130 application fee.
Auto loan score 79 · Carrot Score 89
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 17.99%
5.25% APR, up to 17.99%
Terms
Rate based on individual credit quality.
Auto loan score 77 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.34%APRas low as
Terms
$20,000 vehicle loan with no down payment will have payments of $382.20 for 60 months.
Auto loan score 76 · Carrot Score 94
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 Columbus, OH metro
25 banks and credit unions · checked Oct 16–22
- Typical
- 5.24%
- Top 10% up to
- 4.66%
- Banks, typical
- 6.36%
- Credit unions, typical
- 5.08%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Columbus, OH metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Homeland Credit UnionCredit union · 1 branch
- BMI Federal Credit UnionCredit union · 5 branches
- Atomic Credit UnionCredit union · 3 branches