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 1–13 of 13 in Cincinnati, OH · median 5.50% APR
- 4.24%APRas low as
Terms
New & Green Vehicles. As low as APR upon approved credit. "Green" vehicles are electric, hybrid or a vehicle that gets >35 MPG City (per www.fueleconomy.gov).
Auto loan score 87 · Carrot Score 70
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 - 5.39%APRas low as
Terms
Model years 2023 - 2026 (table lists 2025-2026). Minimum credit score of 750+ required. New money only; Kemba refinances do not apply.
Auto loan score 76 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 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
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 - 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 - 5.74%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 - 5.99%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 - 6.24%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 - Superior Credit UnionVehicle Loans - 2024 through 2026 Models · up to 60 months
Credit union · 2 branches
6.25%APRas low asTerms
Maximum financing available is up to 100% of MSRP.
Auto loan score 64 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 7.51%APRas low as
Terms
Rates as low as 7.51% APR based upon loan amount and creditworthiness. Advertised APR assumes excellent credit history, is based on an average loan amount of $40,000 borrowed over 60 months, includes $257 in account opening fees, and equates to a monthly payment of $799.87. Some loans may be eligible for additional relationship-based account benefits for checking account clients.
Auto loan score 61
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
13 banks and credit unions · checked Oct 16–22
- Typical
- 5.50%
- Top 10% up to
- 5.35%
- Banks, typical
- 5.94%
- 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