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 61–75 of 154 in Ohio · median 5.25% APR
- 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 - 5.04%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 - 5.05%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 - USX Federal Credit UnionNew and Used Vehicles (Model years 2026-2023) · 49–60 months
Credit union · 2 branches
5.09%APRas low asTerms
49 to 60 months. Standard Rate APR.
Auto loan score 75 · Carrot Score 71
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 - 5.15%APRas low as
Terms
Buy that new vehicle you've been wanting!
Auto loan score 81 · Carrot Score 96
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 - 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 aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate reflects 0.25 point discount for direct deposit with checking. Mileage must be less than 70,000 to qualify for 72-month financing. Loan amounts of $25,000 or more may qualify for 76-month financing. Loan amounts of $30,000 or more may qualify for 84-month financing. Rate based on creditworthiness, loan to value, and term.
Auto loan score 79 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
1st Time Car Buyer Program: Rates as low as 5.24% for 72 months. Qualifications apply.
Auto loan score 79 · Carrot Score 67
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
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 - 5.24%APRas low as
Terms
Loan interest rates are based on credit worthiness and the terms of the loan.
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 Ohio
154 banks and credit unions · checked Oct 16–22
- Typical
- 5.25%
- Top 10% up to
- 4.49%
- Banks, typical
- 6.68%
- Credit unions, typical
- 5.15%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Ohio
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- 7 17 Credit UnionCredit union · 16 branches
- Homeland Credit UnionCredit union · 5 branches
- Chivaho Federal Credit UnionCredit union · 1 branch