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 18 in Dayton, OH metro · median 5.49% APR
- 4.54%APRas low as · up to 14.06%
4.54% APR, up to 14.06%
Terms
Model year 2025 - Newer. VIP Rates: 4.49% - 13.99%. VIP APR: 4.54% - 14.06%. Dealer APR: 6.55% - 17.36%.
Auto loan score 89 · Carrot Score 89
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 - 5.14%APRas low as
Terms
New & Used 2019-2026. Rate is as low as 4.99%. APR example based on loan amount of $20,000 and max term stated.
Auto loan score 81 · Carrot Score 96
Rate checked · Auto loans rates on its site
Rates and branches - 5.15%APRas low as
Terms
Model years 2023 and newer. Fixed APR as low as rate. Rates may change based on loan term and credit score. Processing fee applies and will increase the Annual Percentage Rate.
Auto loan score 81 · Carrot Score 84
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 - 5.34%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
Based on new and used vehicles financed up to 63 months with qualified credit.
Auto loan score 73
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Up to 63 months. Rates shown are as low as.
Auto loan score 73 · Carrot Score 89
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
Terms
As low as rate for New & Used Vehicles. Actual rate and payment amount reflect credit score and circumstance. Excludes refinancing of IH Credit Union loans.
Auto loan score 69 · Carrot Score 75
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 - 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 - 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 - 7.13%APRas low as
Terms
Vehicle Year: 2023 & Newer. Maximum term 60 Months.
Auto loan score 62 · Carrot Score 61
Rate checked · Auto loans rates on its site
Rates and branches - 7.39%APRas low as
Terms
Model years 2025/2024; APR based on $20,000 loan with credit score 750+
Auto loan score 61 · Carrot Score 65
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 Dayton, OH metro
18 banks and credit unions · checked Oct 15–22
- Typical
- 5.49%
- Top 10% up to
- 5.10%
- Banks, typical
- 7.38%
- 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.
Dayton, OH metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Firefighters & Company Federal Credit UnionCredit union · 2 branches
- Bridge Credit UnionCredit union · 4 branches
- River Valley Credit UnionCredit union · 5 branches