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 91–105 of 154 in Ohio · median 5.25% APR
- First Choice America Community Federal Credit UnionNew Vehicle Financing · up to 60 months
Credit union · 2 branches
5.39%APRas low asTerms
100% financing.
Auto loan score 76 · Carrot Score 74
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 - 5.39%APRas low as
Terms
Rates starting as low as 5.39% for new vehicles
Auto loan score 68
Rate checked · Auto loans rates on its site
Rates and branches - 5.41%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates are APR as low as and subject to creditworthiness. A discount of 0.25% is applied for automatic payment originated from Century Federal checking account. A $150.00 processing fee applies to all vehicle loans.
Auto loan score 70 · Carrot Score 81
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
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
Auto loan score 73 · Carrot Score 69
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 - 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
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 · up to 15.49%
5.49% APR, up to 15.49%
Terms
Rates tiered by credit rating: A+ (5.49% APR), A (5.49% APR), B (5.99% APR), C (9.99% APR), D (11.49% APR), E (15.49% APR).
Auto loan score 73
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
APR based on TransUnion credit score of 730 or above.
Auto loan score 72 · Carrot Score 70
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
New Vehicle - 2025 & 2026. Actual rate may vary depending on credit history, loan term, and equity in vehicle.
Auto loan score 70 · Carrot Score 82
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