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 20 in Toledo, OH metro · median 5.24% APR
- 4.50%APRas low as
Terms
Credit qualifications apply. New and used 2023 and newer vehicles.
Auto loan score 85 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - Cornerstone Community Financial Credit UnionAuto Loans - New & Used · 40–64 months
Credit union · 2 branches
4.69%APRas low asTerms
Minimum loan amount $7,500. Approval and actual rate offered are based on overall creditworthiness factors and collateral. Mileage and model year restrictions may apply. Rate discounts of up to 1% APR may be available.
Auto loan score 88 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - Champion Credit UnionNew Vehicles (Model Years: 2024 and Newer) · 73–84 months
Credit union · 3 branches
4.74%APRas low asTerms
Term of 73 to 84 months; Daily Periodic as low as . 012986 %
Auto loan score 87 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as · up to 12.25%with conditions
4.75% APR, up to 12.25%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
For terms 72 months or less. Rate range reflects credit scores from A+ (740+ at 4.75%) to D (630-649 at 12.25%). Includes 0.50% discount for Automatic Payments or Direct Deposit.
Auto loan score 70 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Auto loan score 83 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rate is based on credit history, age of collateral, and term of loan. Rate shown is offered to members with excellent credit; interest rate may increase based on current credit history.
Auto loan score 83 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Model year 2025-2026 (new/untitled)
Auto loan score 83 · Carrot Score 86
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
As low as, with automatic payment discount included. Term & Loan-to-Value limitations apply.
Auto loan score 75 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 5.04%APRas low as
Terms
Fixed rate as low as 4.75%. APR based on excellent credit.
Auto loan score 81 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Bright Auto Loans promotional rate includes a 0.25% discount off approved rate. Promotion Period: 4/7/2026–9/30/2026. Applies only to new/used auto purchases and/or refinances from other institutions.
Auto loan score 75 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
Rates as low as 5.25% APR
Auto loan score 77 · Carrot Score 82
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
Auto loan score 73 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Up to 84 months; up to 100% financing; no pre-payment penalties; rates based on credit qualifications.
Auto loan score 73 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - Educational Community Alliance CUNew/Used Vehicle Loan (Motorcycles and Mobility)
Credit union · 1 branch
5.49%APRas low asTerms
Rate listed as 'as low as'. Actual rate and repayment terms depend on individual credit score, credit history, and loan term.
Auto loan score 73 · Carrot Score 80
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 Toledo, OH metro
20 banks and credit unions · checked Oct 7–22
- Typical
- 5.24%
- Top 10% up to
- 4.74%
- Banks, typical
- 6.24%
- Credit unions, typical
- 5.04%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Toledo, OH metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Superior Credit UnionCredit union · 2 branches
- Fremont Federal Credit UnionCredit union · 1 branch
- Directions Credit UnionCredit union · 9 branches