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Ohio Best Auto Loan Rates - September 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Ohio. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Ohio include Materion Federal Credit UnionMaterion Federal Credit Union14710 W Portage River South Rd, Elmore, OH, 43416A+5.0 ★Texas Ratio: 0.47% offering Vehicle Loan at 1.99%, YTR Community Federal Credit UnionYTR Community Federal Credit Union134 3rd St, Tiltonsville, OH, 43963A+5.0 ★Texas Ratio: 4.29% offering New Auto (2022-Newer) at 2.50%, United Federal Credit UnionUnited Federal Credit Union116 Eastlawn Dr, Marion, OH, 43302A+5.0 ★Texas Ratio: 3.23% offering Auto Loan at 2.99%, Baxter Credit UnionBaxter Credit Union7000 Cardinal Pl, Dublin, OH, 43017 1091A5.0 ★Texas Ratio: 6.20% offering Auto Loans - 2025 & Newer at 3.64%, Buckeye State Credit UnionBuckeye State Credit Union520 S Main St, Akron, OH, 44311A+5.0 ★Texas Ratio: 3.48% offering New Auto at 3.75%. Auto loan rates as of September 21, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across Ohio side-by-side. Ohio auto loan rates currently start as low as 1.99% APR from Materion Federal Credit Union at 14710 W Portage River South Rd, Elmore, OH, 43416. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Ohio. Auto Loan Rates Last Updated and Verified: September 21, 2026
Compare Auto Loan Rates Today in Ohio
Ohio Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Materion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
14710 W Portage River South Rd, Elmore, OH, 43416
Vehicle Loan
1.99%
60 months
▼
APR1.99%
Term60 months
Last UpdatedSep 21, 2026
Details
As low as; Finance up to 125% of purchase price or collateral value, including tax & title. Monthly installments of $368.25 based on $20,000.00 loan amount over 60 months, 3.99%, 100% LTV. Fixed rate. No prepayment penalty. No Application Fee. Rates and terms are determined by your credit qualifications, loan to value and term. Loan rates effective December 28, 2023 and are subject to change. All loans subject to credit approval.
Materion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
14710 W Portage River South Rd, Elmore, OH, 43416
Vehicle Loan
1.99%
60 months
▼
APR1.99%
Term60 months
Last UpdatedSep 21, 2026
Details
As low as; Finance up to 125% of purchase price or collateral value, including tax & title. Monthly installments of $372.78 based on $20,000.00 loan amount over 60 months, 4.49% 100% LTV. Fixed rate. No prepayment penalty. No Application Fee. Rates and terms are determined by your credit qualifications, loan to value and term. Loan rates effective December 28, 2023 and are subject to change. All loans subject to credit approval.
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
New Auto (2022-Newer)
2.50%
24 Months
▼
APR2.50%
Term24 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A++ (750+)
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
New Auto (2022-Newer)
2.75%
24 Months
▼
APR2.75%
Term24 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A+ (720-749)
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
New Auto (2022-Newer)
2.75%
36 Months
▼
APR2.75%
Term36 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A++ (750+)
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.23%
116 Eastlawn Dr, Marion, OH, 43302
Auto Loan
2.99%
36 months
▼
APR2.99%
Term36 months
Last UpdatedSep 18, 2026
Details
with autopay from a United checking account.
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
New Auto (2022-Newer)
3.00%
36 Months
▼
APR3.00%
Term36 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A+ (720-749)
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
New Auto (2022-Newer)
3.00%
48 Months
▼
APR3.00%
Term48 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A++ (750+)
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
New Auto (2022-Newer)
3.25%
48 Months
▼
APR3.25%
Term48 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A+ (720-749)
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
New Auto (2022-Newer)
3.25%
60 Months
▼
APR3.25%
Term60 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A++ (750+)
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
New Auto (2022-Newer)
3.50%
60 Months
▼
APR3.50%
Term60 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A+ (720-749)
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
New Auto (2022-Newer)
3.50%
72 Months
▼
APR3.50%
Term72 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A++ (750+)
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
7000 Cardinal Pl, Dublin, OH, 43017 1091
Auto Loans - 2025 & Newer
3.64%
0 - 36 Months
▼
APR3.64%
Interest Rate3.64%
Term0 - 36 Months
Last UpdatedSep 18, 2026
Details
as low as; Loan Term
Buckeye State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
520 S Main St, Akron, OH, 44311
New Auto
3.75%
New-2024
▼
APR3.75%
TermNew-2024
Last UpdatedSep 18, 2026
Details
As low as; Current loan rates as of September 18, 2026. Rates subject to change at any time. As low as rates include all available member loan discounts.
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
New Auto (2022-Newer)
3.75%
24 Months
▼
APR3.75%
Term24 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A (650-719)
Greater Cleveland Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.04%
601 Lakeside Ave E Rm 3, Cleveland, OH, 44114 1015
Auto Loans
3.99%
up to 84 months
▼
APR3.99%
Termup to 84 months
Last UpdatedSep 18, 2026
Details
As Low As; on passenger vehicles
Education First Credit Union Inc
Institution Rating:
A5.0 ★ Texas Ratio: 12.80%
510 E Mound St, Columbus, OH, 43215 5539
New Auto Loan
3.99%
up to 66 months
▼
APR3.99%
Termup to 66 months
Last UpdatedSep 18, 2026
Details
As Low As; Model Year: 2026-2025
Education First Credit Union Inc
Institution Rating:
A5.0 ★ Texas Ratio: 12.80%
510 E Mound St, Columbus, OH, 43215 5539
Used Auto Loan
3.99%
up to 66 months
▼
APR3.99%
Termup to 66 months
Last UpdatedSep 18, 2026
Details
As Low As; Model Year: 2024-2022
LAKEVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
2909 State Rd, Ashtabula, OH, 44004
New Auto 2026
3.99%
up to 48 months
▼
APR3.99%
Termup to 48 months
Last UpdatedSep 18, 2026
Details
Rates as low as
LAKEVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
2909 State Rd, Ashtabula, OH, 44004
New Auto 2026
3.99%
up to 60 months
▼
APR3.99%
Termup to 60 months
Last UpdatedSep 18, 2026
Details
Rates as low as
Integrity Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
971 WOOSTER RD W, BARBERTON, OH, 44203
Shop For A Vehicle Loan
4.00%
Up to 60 months
▼
APR4.00%
TermUp to 60 months
Last UpdatedSep 16, 2026
Details
Integrity Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
971 WOOSTER RD W, BARBERTON, OH, 44203
Vehicle Loan
4.00%
Up to 60 months
▼
APR4.00%
TermUp to 60 months
Last UpdatedSep 16, 2026
Details
Rate applies to terms up to 60 months.
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
1730 Central Ave, Middletown, OH, 45044 4140
New Vehicle Loan
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedSep 18, 2026
Details
Term: 36 Months - 63 Months; As Low As
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
1730 Central Ave, Middletown, OH, 45044 4140
Used Vehicle 2023 or newer Loan
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedSep 18, 2026
Details
Term: 36 Months - 63 Months; As Low As
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1917 Ridge Ave, Zanesville, OH, 43701 4146
New/Used Vehicles - 730+ Score Loan
4.00%
24 Mo.
▼
APR4.00%
Interest Rate4.00%
Term24 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A+
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1917 Ridge Ave, Zanesville, OH, 43701 4146
New/Used Vehicles - 730+ Score Loan
4.00%
36 Mo.
▼
APR4.00%
Interest Rate4.00%
Term36 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A+
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
New Auto (2022-Newer)
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A (650-719)
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
New Auto (2022-Newer)
4.00%
72 Months
▼
APR4.00%
Term72 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A+ (720-749)
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2021-2020)
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A+ 720-749
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2021-2020)
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A++ 750+
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.23%
116 Eastlawn Dr, Marion, OH, 43302
Fixed Rate New & Used Auto Loans - Up to 60 Months
4.05%
Up to 60 Months
▼
APR4.05%
TermUp to 60 Months
Last UpdatedSep 18, 2026
Details
Vehicle Model Years: All Years**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
7000 Cardinal Pl, Dublin, OH, 43017 1091
Auto Loans - 2025 & Newer
4.14%
37 - 75 Months
▼
APR4.14%
Interest Rate4.14%
Term37 - 75 Months
Last UpdatedSep 18, 2026
Details
as low as; Loan Term
Homeland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.05%
310 Caldwell St, Chillicothe, OH, 45601
Print Auto Loans
4.19%
Up to 66 Months
▼
APR4.19%
TermUp to 66 Months
Last UpdatedSep 18, 2026
Details
Year: 2025-2026
Cincinnati Interagency Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
26 Martin Luther King Dr W, Cincinnati, OH, 45220 2242
GREEN Vehicles Loan
4.24%
Up to 84 months
▼
APR4.24%
TermUp to 84 months
Last UpdatedSep 20, 2026
Details
New vehicles - -110% financing -Any vehicle with an EPA estimated mileage of 35MGP/City or HYBRID
All Saints Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.90%
5269 E 104th St, Garfield Hts, OH, 44125 2407
New Vehicles (Never Titled) 2025-2026 Loan
4.25%
36 months
▼
APR4.25%
Term36 months
Last UpdatedSep 14, 2026
Details
As low as
Integrity Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
971 WOOSTER RD W, BARBERTON, OH, 44203
Vehicle Loan
4.25%
Up to 72 months
▼
APR4.25%
TermUp to 72 months
Last UpdatedSep 16, 2026
Details
As Low As; *1
Canton School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.47%
1380 Market Ave N, Canton, OH, 44714 2606
New Auto Loan
4.25%
72 months
▼
APR4.25%
Term72 months
Last UpdatedSep 16, 2026
Details
Sample monthly payment for a loan of $20,000 and a term of 72 months at 4.25% APR would be approximately $315.19; at 4.74% APR would be approximately $319.69. Your actual rate and payment amount may be different as determined by your collateral, term, loan amount and credit qualifications. All rates and promotions subject to change without notice.
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1917 Ridge Ave, Zanesville, OH, 43701 4146
New/Used Vehicles - 730+ Score Loan
4.25%
48 Mo.
▼
APR4.25%
Interest Rate4.25%
Term48 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A+
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
New Auto (2022-Newer)
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A (650-719)
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2021-2020)
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A+ 720-749
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2021-2020)
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A++ 750+
Members Choice Credit Union Greenville, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
725 PINE ST, GREENVILLE, OH, 45331
Vehicle Loans
4.26%
72 months
▼
APR4.26%
Interest Rate3.99%
Term72 months
Last UpdatedSep 18, 2026
Details
Honoring Silent Heroes: Police Officers This September & October, vehicles 2019 and newer have an interest rate of 3.99% (APR: 4.260%*) when you have a credit score of 660 or higher. *APR based on a $30,000.00 loan with a $199.00 closing fee for 72 months. See loan dept. for details.
Emerald Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
13201 GRANGER RD STE 1, GARFIELD HTS, OH, 44125
New Auto Loan
4.29%
Up to 36 Months
▼
APR4.29%
TermUp to 36 Months
Last UpdatedSep 18, 2026
Details
As Low As
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
401 Chillicothe St, Portsmouth, OH, 45662
New Cars and Trucks Loan
4.30%
4 years
▼
APR4.30%
Interest Rate3.99%
Term4 years
Last UpdatedSep 21, 2026
Details
As low as; **
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
401 Chillicothe St, Portsmouth, OH, 45662
Used Cars and Trucks Loan
4.30%
4 years
▼
APR4.30%
Interest Rate3.99%
Term4 years
Last UpdatedSep 21, 2026
Details
As low as; **
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
401 Chillicothe St, Portsmouth, OH, 45662
New Cars and Trucks Loan
4.39%
3 years
▼
APR4.39%
Interest Rate3.99%
Term3 years
Last UpdatedSep 21, 2026
Details
As low as; **
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
401 Chillicothe St, Portsmouth, OH, 45662
Used Cars and Trucks Loan
4.39%
3 years
▼
APR4.39%
Interest Rate3.99%
Term3 years
Last UpdatedSep 21, 2026
Details
As low as; **
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
136 McMahan Blvd, Marion, OH, 43302
New Auto Loan
4.49%
60 months or less
▼
APR4.49%
Term60 months or less
Last UpdatedSep 18, 2026
Details
As Low As; Rate assumes loan to value of 100% or less and term of 60 months or less. Not all borrowers will qualify for the lowest interest rate.
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.71%
28543 Oregon Rd, Perrysburg, OH, 43551
Auto Loans - New & Used
4.49%
Up to 39 Months
▼
APR4.49%
TermUp to 39 Months
Last UpdatedSep 18, 2026
Details
Minimum Loan Amount $4,000
PSE Credit Union Inc
Institution Rating:
A+5.0 ★ Texas Ratio: 3.10%
5255 Regency Dr, Parma, OH, 44129 5453
Auto Loans
4.49%
24 months
▼
APR4.49%
Interest Rate4.49%
Term24 months
Last UpdatedSep 18, 2026
Details
As of: 08/01/2026; As Low As; The 4.49% rate quoted is based on a credit score of 720+ for 24 months and is our best rate, rates may increase by as much as 10.51% depending on credit worthiness. Rate includes a .25% discount for having payroll deposit or electronic payment. Additional terms and rates are available, new money only. This is a limited time offer, loan approval is not guaranteed. Standard underwriting criteria, terms and conditions apply. This promotion cannot be combined with any other loan discounts.
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
401 Chillicothe St, Portsmouth, OH, 45662
New Cars and Trucks Loan
4.49%
5 years
▼
APR4.49%
Interest Rate4.24%
Term5 years
Last UpdatedSep 21, 2026
Details
As low as; **
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
401 Chillicothe St, Portsmouth, OH, 45662
Used Cars and Trucks Loan
4.49%
5 years
▼
APR4.49%
Interest Rate4.24%
Term5 years
Last UpdatedSep 21, 2026
Details
As low as; **
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
19775 State Route 739, Marysville, OH, 43040
New Automobiles (2025 and Newer)
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedSep 21, 2026
Details
As low as
Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.08%
2043 E Prospect Rd, Ashtabula, OH, 44004
New Cars & Trucks Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedSep 18, 2026
Details
Ohio Teamsters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
6100 Rockside Woods Blvd N Ste 150, Independence, OH, 44131 2334
Vehicle Loan
4.50%
up to 84 Months
▼
APR4.50%
Termup to 84 Months
Last UpdatedSep 18, 2026
Details
As Low As
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
1730 Central Ave, Middletown, OH, 45044 4140
New Vehicle Loan
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedSep 18, 2026
Details
As Low As; New Vehicle over $20,000
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
5602 State Rd, Cleveland, OH, 44134
Auto Loans
4.50%
3 years
▼
APR4.50%
Term3 years
Last UpdatedSep 20, 2026
Details
APR* as low as: 4.50%
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
5602 State Rd, Cleveland, OH, 44134
Auto Loans
4.50%
4 years
▼
APR4.50%
Term4 years
Last UpdatedSep 20, 2026
Details
APR* as low as: 4.50%
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1917 Ridge Ave, Zanesville, OH, 43701 4146
New/Used Vehicles - 680 - 729 Score Loan
4.50%
24 Mo.
▼
APR4.50%
Interest Rate4.50%
Term24 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1917 Ridge Ave, Zanesville, OH, 43701 4146
New/Used Vehicles - 680 - 729 Score Loan
4.50%
36 Mo.
▼
APR4.50%
Interest Rate4.50%
Term36 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1917 Ridge Ave, Zanesville, OH, 43701 4146
New/Used Vehicles - 730+ Score Loan
4.50%
60 Mo.
▼
APR4.50%
Interest Rate4.50%
Term60 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A+
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
New Auto (2022-Newer)
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A (650-719)
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
New Auto (2022-Newer)
4.50%
84 Months
▼
APR4.50%
Term84 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A++ (750+)
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2019-2017) Loan
4.50%
24 Months
▼
APR4.50%
Term24 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A++ (750+)
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2021-2020)
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A+ 720-749
Emerald Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
13201 GRANGER RD STE 1, GARFIELD HTS, OH, 44125
New Auto Loan
4.54%
37-48 Months
▼
APR4.54%
Term37-48 Months
Last UpdatedSep 18, 2026
Details
As Low As
Emerald Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
13201 GRANGER RD STE 1, GARFIELD HTS, OH, 44125
New Auto Loan
4.54%
49-60 Months
▼
APR4.54%
Term49-60 Months
Last UpdatedSep 18, 2026
Details
As Low As
Emerald Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
13201 GRANGER RD STE 1, GARFIELD HTS, OH, 44125
New Auto Loan
4.54%
61-72 Months
▼
APR4.54%
Term61-72 Months
Last UpdatedSep 18, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.23%
116 Eastlawn Dr, Marion, OH, 43302
Fixed Rate New & Used Auto Loans - Up to 72 Months
4.55%
Up to 72 Months
▼
APR4.55%
TermUp to 72 Months
Last UpdatedSep 18, 2026
Details
Vehicle Model Years: 2020 or Newer**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
Atomic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
711 Beaver Creek Rd, Piketon, OH, 45661
New/Used Cars Loan
4.57%
60*
▼
APR4.57%
Interest Rate4.24%
Term60*
Last UpdatedSep 18, 2026
Details
New/Used Cars**
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
1835 Sunset Blvd, Steubenville, OH, 43952
New Vehicle Financing
4.59%
36 Months
▼
APR4.59%
Term36 Months
Last UpdatedSep 16, 2026
Details
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
1835 Sunset Blvd, Steubenville, OH, 43952
Used Vehicle Financing
4.59%
36 Months
▼
APR4.59%
Term36 Months
Last UpdatedSep 16, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.32%
690 Schrock Rd, Columbus, OH, 43229 1123
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedSep 18, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
7000 Cardinal Pl, Dublin, OH, 43017 1091
Auto Loans - 2022 - 2024
4.64%
0 - 36 Months
▼
APR4.64%
Interest Rate4.64%
Term0 - 36 Months
Last UpdatedSep 18, 2026
Details
as low as; Loan Term
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.71%
28543 Oregon Rd, Perrysburg, OH, 43551
Auto Loans - New & Used
4.69%
40 - 64 Months
▼
APR4.69%
Term40 - 64 Months
Last UpdatedSep 18, 2026
Details
Minimum Loan Amount $7,500
LCE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
77 N Saint Clair St, Painesville, OH, 44077
2023 - 2021 Auto Loan
4.69%
36 months
▼
APR4.69%
Term36 months
Last UpdatedSep 21, 2026
Details
Model Year: 2023 - 2021; Rate includes *: See footnote for details.
LCE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
77 N Saint Clair St, Painesville, OH, 44077
New - 2024 Auto Loan
4.69%
36 months
▼
APR4.69%
Term36 months
Last UpdatedSep 21, 2026
Details
Model Year: New - 2024; Rate includes *: See footnote for details.
LCE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
77 N Saint Clair St, Painesville, OH, 44077
New - 2024 Auto Loan
4.69%
48 months
▼
APR4.69%
Term48 months
Last UpdatedSep 21, 2026
Details
Model Year: New - 2024; Rate includes *: See footnote for details.
LCE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
77 N Saint Clair St, Painesville, OH, 44077
New - 2024 Auto Loan
4.70%
60 months
▼
APR4.70%
Term60 months
Last UpdatedSep 21, 2026
Details
Model Year: New - 2024; Rate includes *: See footnote for details.
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.44%
315 Croghan St, Fremont, OH, 43420 3013
New/Used Automobile/Trucks/Vans
4.71%
36 Months
▼
APR4.71%
Interest Rate4.25%
Term36 Months
Last UpdatedSep 18, 2026
Details
As low as
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
445 S Main St, Akron, OH, 44311 1056
New and Used Auto Loans
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedSep 16, 2026
Details
Model Year: 2026/2025/2024/2023
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
445 S Main St, Akron, OH, 44311 1056
New and Used Auto Loans
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedSep 16, 2026
Details
Model Year: 2026/2025/2024/2023
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
445 S Main St, Akron, OH, 44311 1056
New and Used Auto Loans
4.74%
60 months
▼
APR4.74%
Term60 months
Last UpdatedSep 16, 2026
Details
Model Year: 2026/2025/2024/2023
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
445 S Main St, Akron, OH, 44311 1056
New and Used Auto Loans
4.74%
72 months
▼
APR4.74%
Term72 months
Last UpdatedSep 16, 2026
Details
Model Year: 2026/2025/2024/2023
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
445 S Main St, Akron, OH, 44311 1056
New and Used Auto Loans
4.74%
84 months
▼
APR4.74%
Term84 months
Last UpdatedSep 16, 2026
Details
Model Year: 2026/2025/2024/2023
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
445 S Main St, Akron, OH, 44311 1056
New and Used Auto Loans
4.74%
36 - 48 months
▼
APR4.74%
Term36 - 48 months
Last UpdatedSep 16, 2026
Details
Model Year: 2021
Canton School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.47%
1380 Market Ave N, Canton, OH, 44714 2606
New Auto Loan
4.74%
72 months
▼
APR4.74%
Term72 months
Last UpdatedSep 16, 2026
Details
Sample monthly payment for a loan of $20,000 and a term of 72 months at 4.25% APR would be approximately $315.19; at 4.74% APR would be approximately $319.69. Your actual rate and payment amount may be different as determined by your collateral, term, loan amount and credit qualifications. All rates and promotions subject to change without notice.
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
4140 W Laskey Rd, Toledo, OH, 43623 3758
New Vehicles - Term of 72 months or less Loan
4.74%
72 months or less
▼
APR4.74%
Term72 months or less
Last UpdatedSep 18, 2026
Details
As of January 1, 2026; New Vehicles (Model Years: 2024 and Newer)
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
4140 W Laskey Rd, Toledo, OH, 43623 3758
New Vehicles Loan
4.74%
72 months or less
▼
APR4.74%
Term72 months or less
Last UpdatedSep 18, 2026
Details
New Vehicles (Model Years: 2024 and Newer)
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
4140 W Laskey Rd, Toledo, OH, 43623 3758
Used Vehicles - Term of 48 months or less Loan
4.74%
48 months or less
▼
APR4.74%
Term48 months or less
Last UpdatedSep 18, 2026
Details
As of January 1, 2026; Used Vehicles (Model Years: 2017-2019)
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
4140 W Laskey Rd, Toledo, OH, 43623 3758
Used Vehicles - Term of 60 months or less Loan
4.74%
60 months or less
▼
APR4.74%
Term60 months or less
Last UpdatedSep 18, 2026
Details
As of January 1, 2026; Used Vehicles (Model Years: 2020-2021)
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
4140 W Laskey Rd, Toledo, OH, 43623 3758
Used Vehicles - Term of 66 months or less Loan
4.74%
66 months or less
▼
APR4.74%
Term66 months or less
Last UpdatedSep 18, 2026
Details
As of January 1, 2026; Used Vehicles (Model Years: 2022 and Newer)
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
4140 W Laskey Rd, Toledo, OH, 43623 3758
Used Vehicles Loan
4.74%
66 months or less
▼
APR4.74%
Term66 months or less
Last UpdatedSep 18, 2026
Details
Used Vehicles (Model Years: 2022 and Newer)
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
4140 W Laskey Rd, Toledo, OH, 43623 3758
Used Vehicles Loan
4.74%
60 months or less
▼
APR4.74%
Term60 months or less
Last UpdatedSep 18, 2026
Details
Used Vehicles (Model Years: 2020-2021)
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
4140 W Laskey Rd, Toledo, OH, 43623 3758
Used Vehicles Loan
4.74%
48 months or less
▼
APR4.74%
Term48 months or less
Last UpdatedSep 18, 2026
Details
Used Vehicles (Model Years: 2017-2019)
Eaton Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.75%
28954 Chardon Rd, Willoughby Hills, OH, 44092
New Vehicles & Motorcycles Loan
4.74%
up to 72 months
▼
APR4.74%
Termup to 72 months
Last UpdatedSep 18, 2026
Details
Rates as low as
Eaton Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.75%
28954 Chardon Rd, Willoughby Hills, OH, 44092
Passenger Vehicle Loan
4.74%
Up to 72 months
▼
APR4.74%
TermUp to 72 months
Last UpdatedSep 18, 2026
Details
As Low As; Rates are based on Member's individual credit quality and subject to change without notice. For new vehicles, we can finance up to 100% of the cost to purchase. Rates Current as of April 1, 2026. Rates subject to change with out notice. Please check with our Loan Department for current information. For vehicles 7 years and older, we lend based on wholesale values.
Education First Credit Union Inc
Institution Rating:
A5.0 ★ Texas Ratio: 12.80%
510 E Mound St, Columbus, OH, 43215 5539
Used Auto Loan
4.74%
up to 66 months
▼
APR4.74%
Termup to 66 months
Last UpdatedSep 18, 2026
Details
As Low As; Model Year: 2021-2019
Friends And Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
46 Federal Ave NW, Massillon, OH, 44647
Auto Loan 2020 & Newer
4.74%
Up to 60 Months
▼
APR4.74%
TermUp to 60 Months
Last UpdatedSep 18, 2026
Details
As Low As; *
CAREY POVERELLO
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
201 N Vance St, Carey, OH, 43316 1038
New Vehicle Loan
4.74%
Up to 84 months
▼
APR4.74%
TermUp to 84 months
Last UpdatedSep 18, 2026
Details
CAREY POVERELLO
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
201 N Vance St, Carey, OH, 43316 1038
Pre-Owned Vehicle Loan
4.74%
Up to 84 months
▼
APR4.74%
TermUp to 84 months
Last UpdatedSep 18, 2026
Details
Unity Catholic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.16%
5839 Ridge Rd, Parma, OH, 44129 3165
Auto Loans - Model Year 2021-2026
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedSep 18, 2026
Details
Payment Example per $1,000: $23
Unity Catholic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.16%
5839 Ridge Rd, Parma, OH, 44129 3165
Model Year 2021-2026* Auto Loan
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedSep 18, 2026
Details
As Low As; Payment Example per $1,000: $23
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
401 Chillicothe St, Portsmouth, OH, 45662
New Vehicle Loans
4.74%
6-year
▼
APR4.74%
Interest Rate4.74%
Term6-year
Last UpdatedSep 21, 2026
Details
As a reward for doing more business with Desco, our members can qualify for reductions from our standard rates if they have their loan payments automatically deducted from a Desco checking account and have their home mortgage with us. Contact a loan specialist for a rate quote. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, model, year, term, and loan amount. All loans are subject to approval and not all applicants will qualify for the lowest rate. Rates are based on an A+ credit score, 10% equity in the vehicle, auto deduction from a DESCO Advantage Plus checking account, a current DESCO mortgage, and have a DESCO Credit Card. APR=Annual Percentage Rate; based off a $25,000.00 loan with a $150.00 loan origination fee. Approximate monthly loan payment at 4.74% is $402.08 on a $25,000.00 loan with a 6-year term.
CME Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.04%
150 E Mound St, Columbus, OH, 43215
Auto Loan
4.75%
Up to 48 months
▼
APR4.75%
Interest Rate4.75%
TermUp to 48 months
Last UpdatedSep 16, 2026
Details
As Low As; Rates may vary based on creditworthiness and loan term.
Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.08%
2043 E Prospect Rd, Ashtabula, OH, 44004
New Cars & Trucks Loan
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedSep 18, 2026
Details
Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.08%
2043 E Prospect Rd, Ashtabula, OH, 44004
New Cars & Trucks Loan
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedSep 18, 2026
Details
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
1730 Central Ave, Middletown, OH, 45044 4140
Used Vehicle 2023 or newer Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedSep 18, 2026
Details
As Low As; Used Vehicle 2023 or newer over $20,000
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
5602 State Rd, Cleveland, OH, 44134
Auto Loans
4.75%
5 years
▼
APR4.75%
Term5 years
Last UpdatedSep 20, 2026
Details
APR* as low as: 4.75%
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
5602 State Rd, Cleveland, OH, 44134
Auto Loans
4.75%
3 years
▼
APR4.75%
Term3 years
Last UpdatedSep 20, 2026
Details
APR* as low as: 4.75%
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
5602 State Rd, Cleveland, OH, 44134
Auto Loans
4.75%
4 years
▼
APR4.75%
Term4 years
Last UpdatedSep 20, 2026
Details
APR* as low as: 4.75%
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1917 Ridge Ave, Zanesville, OH, 43701 4146
New/Used Vehicles - 680 - 729 Score Loan
4.75%
48 Mo.
▼
APR4.75%
Interest Rate4.75%
Term48 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1917 Ridge Ave, Zanesville, OH, 43701 4146
New/Used Vehicles - 680 - 729 Score Loan
4.75%
60 Mo.
▼
APR4.75%
Interest Rate4.75%
Term60 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
New Auto (2022-Newer)
4.75%
84 Months
▼
APR4.75%
Term84 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A+ (720-749)
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2019-2017) Loan
4.75%
24 Months
▼
APR4.75%
Term24 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A+ (720-749)
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2019-2017) Loan
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A++ (750+)
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2021-2020)
4.75%
24 Months
▼
APR4.75%
Term24 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A 650-719
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2021-2020)
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A++ 750+
Toledo Urban Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.35%
1441 Dorr St, Toledo, OH, 43607 3956
New Auto
4.75%
Up to 84 Months
▼
APR4.75%
Interest Rate4.75%
TermUp to 84 Months
Last UpdatedSep 21, 2026
Details
Published rate range: 4.75% - 18%.
LCE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
77 N Saint Clair St, Painesville, OH, 44077
2023 - 2021 Auto Loan
4.79%
48 months
▼
APR4.79%
Term48 months
Last UpdatedSep 21, 2026
Details
Model Year: 2023 - 2021; Rate includes *: See footnote for details.
Cincinnati Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
7420 Kilby Rd, Harrison, OH, 45030
New Vehicle Loan
4.82%
72 Months
▼
APR4.82%
Interest Rate4.75%
Term72 Months
Last UpdatedSep 18, 2026
Details
Lowest rate requires a direct deposit in place prior to loan disbursement.
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.44%
315 Croghan St, Fremont, OH, 43420 3013
New/Used Automobile/Trucks/Vans
4.85%
48 Months
▼
APR4.85%
Interest Rate4.50%
Term48 Months
Last UpdatedSep 18, 2026
Details
As low as
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.71%
28543 Oregon Rd, Perrysburg, OH, 43551
Auto Loans - New & Used
4.89%
65 - 75 Months
▼
APR4.89%
Term65 - 75 Months
Last UpdatedSep 18, 2026
Details
Minimum Loan Amount $10,000
USX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.11%
539 S Main St, Findlay, OH, 45840
New and Used Vehicles Model years 2026-2025-2024-2023 Loan
4.89%
Up to 48 months
▼
APR4.89%
TermUp to 48 months
Last UpdatedSep 18, 2026
Details
LCE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
77 N Saint Clair St, Painesville, OH, 44077
New - 2024 Auto Loan
4.89%
72 months
▼
APR4.89%
Term72 months
Last UpdatedSep 21, 2026
Details
Model Year: New - 2024; Rate includes *: See footnote for details.
Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
17526 Madison Ave, Lakewood, OH, 44107
New Autos - 2025 & Newer
4.93%
up to 72 Months
▼
APR4.93%
Interest Rate4.74%
Termup to 72 Months
Last UpdatedSep 18, 2026
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
401 Chillicothe St, Portsmouth, OH, 45662
New Cars and Trucks Loan
4.95%
6 years
▼
APR4.95%
Interest Rate4.74%
Term6 years
Last UpdatedSep 21, 2026
Details
As low as; **
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
401 Chillicothe St, Portsmouth, OH, 45662
Used Cars and Trucks Loan
4.95%
6 years
▼
APR4.95%
Interest Rate4.74%
Term6 years
Last UpdatedSep 21, 2026
Details
As low as; **
Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
17526 Madison Ave, Lakewood, OH, 44107
Used Autos - 2024 & Newer
4.96%
up to 72 Months
▼
APR4.96%
Interest Rate4.74%
Termup to 72 Months
Last UpdatedSep 18, 2026
Details
Golden Circle Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
4118 Lincoln Way E, Massillon, OH, 44646 3348
Auto Loans (Purchase or Refinance)
4.99%
Contact us for detai
▼
APR4.99%
TermContact us for detai
Last UpdatedSep 18, 2026
Details
Term: Contact us for details.; As low as; Interest rates are determined by the credit profile of the borrowing member and the terms and conditions of the loan request. No interest rate is finalized until a valid Loan Application has been submitted. The above rates are valid as of the date listed above, and subject to change without notice.
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.32%
690 Schrock Rd, Columbus, OH, 43229 1123
Used Auto
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedSep 18, 2026
Details
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
1730 Central Ave, Middletown, OH, 45044 4140
New Vehicle Loan
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedSep 18, 2026
Details
As Low As; New Vehicle $25,000
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
1730 Central Ave, Middletown, OH, 45044 4140
Used Vehicle 2023 or newer Loan
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedSep 18, 2026
Details
As Low As; Used Vehicle 2023 or newer over $25,000
Wright-Patt Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.62%
1506 N Fairfield Rd, Beavercreek, OH, 45432 2737
Auto Loans (2023 or Newer) - Up to 63 Months
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedSep 18, 2026
Details
Friends And Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
46 Federal Ave NW, Massillon, OH, 44647
Auto Loan 2020 & Newer
4.99%
Up to 76 Months
▼
APR4.99%
TermUp to 76 Months
Last UpdatedSep 18, 2026
Details
As Low As; *
Wiremens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
5800 State Rd, Parma, OH, 44134
New Vehicle Loan
4.99%
up to 84 months
▼
APR4.99%
Termup to 84 months
Last UpdatedSep 18, 2026
Details
As Low As
AllWealth Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.78%
6 S 2nd St, Hamilton, OH, 45011 2846
NEW & USED VEHICLE LOANS
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedSep 18, 2026
Details
As Low As;
AllWealth Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.78%
6 S 2nd St, Hamilton, OH, 45011 2846
NEW & USED VEHICLE LOANS
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedSep 18, 2026
Details
As Low As;
AllWealth Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.78%
6 S 2nd St, Hamilton, OH, 45011 2846
NEW & USED VEHICLE LOANS
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedSep 18, 2026
Details
As Low As;
Unity Catholic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.16%
5839 Ridge Rd, Parma, OH, 44129 3165
Auto Loans - Model Year 2021-2026
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedSep 18, 2026
Details
Payment Example per $1,000: $19
Unity Catholic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.16%
5839 Ridge Rd, Parma, OH, 44129 3165
Model Year 2021-2026* Auto Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedSep 18, 2026
Details
As Low As; Payment Example per $1,000: $19
Midwest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.76%
8770 N State Route 66, Defiance, OH, 43512 8254
New Vehicle Loans
4.99%
60 Months
▼
APR4.99%
Interest Rate4.99%
Term60 Months
Last UpdatedSep 20, 2026
Details
As low as; fixed
LCE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
77 N Saint Clair St, Painesville, OH, 44077
2023 - 2021 Auto Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedSep 21, 2026
Details
Model Year: 2023 - 2021; Rate includes *: See footnote for details.
University of Toledo Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.19%
5248 Hill Ave, Toledo, OH, 43615 5868
2016-2018 Auto Loan
4.99%
Up to 48 Months
▼
APR4.99%
TermUp to 48 Months
Last UpdatedSep 21, 2026
Details
APR*
University of Toledo Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.19%
5248 Hill Ave, Toledo, OH, 43615 5868
2019-2023 Auto Loan
4.99%
Up to 60 Months
▼
APR4.99%
TermUp to 60 Months
Last UpdatedSep 21, 2026
Details
APR*
University of Toledo Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.19%
5248 Hill Ave, Toledo, OH, 43615 5868
2024 Auto Loan
4.99%
Up to 72 Months
▼
APR4.99%
TermUp to 72 Months
Last UpdatedSep 21, 2026
Details
over $15,000; APR*
University of Toledo Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.19%
5248 Hill Ave, Toledo, OH, 43615 5868
2025 Auto Loan
4.99%
Up to 84 Months
▼
APR4.99%
TermUp to 84 Months
Last UpdatedSep 21, 2026
Details
over $30,000; APR*
University of Toledo Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.19%
5248 Hill Ave, Toledo, OH, 43615 5868
2025-2026 (new/untitled) Auto Loan
4.99%
Up to 84 Months
▼
APR4.99%
TermUp to 84 Months
Last UpdatedSep 21, 2026
Details
APR*
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
19775 State Route 739, Marysville, OH, 43040
New Automobiles (2025 and Newer)
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedSep 21, 2026
Details
As low as
Sylvania Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
6613 Maplewood Ave, Sylvania, OH, 43560
Auto Loan
4.99%
Up to 72 Months
▼
APR4.99%
TermUp to 72 Months
Last UpdatedSep 21, 2026
Details
Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.08%
2043 E Prospect Rd, Ashtabula, OH, 44004
Used Cars & Trucks Loan
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedSep 18, 2026
Details
Latvian Cleveland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1385 Andrews Ave, Lakewood, OH, 44107 2405
New Car Loans
5.00%
1-6 year loan
▼
APR5.00%
Term1-6 year loan
Last UpdatedSep 18, 2026
Details
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
5602 State Rd, Cleveland, OH, 44134
Auto Loans
5.00%
6 years
▼
APR5.00%
Term6 years
Last UpdatedSep 20, 2026
Details
APR* as low as: 5.00%
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
5602 State Rd, Cleveland, OH, 44134
Auto Loans
5.00%
5 years
▼
APR5.00%
Term5 years
Last UpdatedSep 20, 2026
Details
APR* as low as: 5.00%
Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
7367 York Rd, Parma, OH, 44130 5162
Auto Loan
5.00%
36-48 Months
▼
APR5.00%
Term36-48 Months
Last UpdatedSep 20, 2026
Details
Beacon Score: 725+
Nickel Steel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.37%
1067 s main st, lima, OH, 45804 2043
NEW/NEWER VEHICLES Loan
5.00%
48 months
▼
APR5.00%
Term48 months
Last UpdatedSep 20, 2026
Details
2026-2023
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1917 Ridge Ave, Zanesville, OH, 43701 4146
New/Used Vehicles - 730+ Score Loan
5.00%
72 Mo.
▼
APR5.00%
Interest Rate5.00%
Term72 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A+
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
New Auto (2022-Newer)
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A (650-719)
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2016 & Older) - 24 Months
5.00%
24 Months
▼
APR5.00%
Interest Rate5.00%
Term24 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A++ (750+)
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2019-2017) Loan
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A+ (720-749)
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2019-2017) Loan
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A++ (750+)
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2021-2020)
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A 650-719
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2021-2020)
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A+ 720-749
Local Union 392 Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
1228 Central Pkwy Ste 302, Cincinnati, OH, 45202
New Auto Loans 2026 - 2027 6,000 Miles or Less
5.00%
1-36 Months
▼
APR5.00%
Term1-36 Months
Last UpdatedSep 21, 2026
Details
Credit Rating: A+
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.44%
315 Croghan St, Fremont, OH, 43420 3013
New/Used Automobile/Trucks/Vans
5.04%
60 Months
▼
APR5.04%
Interest Rate4.75%
Term60 Months
Last UpdatedSep 18, 2026
Details
As low as
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
555 Officenter Pl, Gahanna, OH, 43230 5314
2023 & Newer Auto Loan
5.04%
Year: 2023 & Newer
▼
APR5.04%
Interest Rate4.74%
TermYear: 2023 & Newer
Last UpdatedSep 18, 2026
Details
KEMBA Advantage; As Low As
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
555 Officenter Pl, Gahanna, OH, 43230 5314
KEMBA Advantage Auto Loan - 2023 & Newer
5.04%
Year: 2023 & Newer
▼
APR5.04%
Interest Rate4.74%
TermYear: 2023 & Newer
Last UpdatedSep 18, 2026
Details
As Low As
Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
17526 Madison Ave, Lakewood, OH, 44107
Used Autos - 2021-2023
5.04%
up to 72 Months
▼
APR5.04%
Interest Rate4.74%
Termup to 72 Months
Last UpdatedSep 18, 2026
Details
Emerald Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
13201 GRANGER RD STE 1, GARFIELD HTS, OH, 44125
New Auto Loan
5.04%
73-78 Months
▼
APR5.04%
Term73-78 Months
Last UpdatedSep 18, 2026
Details
As Low As
Falls Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
33 Graham Rd, Cuyahoga Falls, OH, 44223
Vehicle Loan
5.04%
24 Months
▼
APR5.04%
Term24 Months
Last UpdatedSep 18, 2026
Details
As Low As; 4.49%
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.23%
116 Eastlawn Dr, Marion, OH, 43302
Fixed Rate New & Used Auto Loans - Up to 84 Months
5.05%
Up to 84 Months
▼
APR5.05%
TermUp to 84 Months
Last UpdatedSep 18, 2026
Details
Vehicle Model Years: 2022 or Newer; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
TrueCore Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
215 Deo Dr, newark, OH, 43055 3048
New Autos & Trucks (2025-2026)
5.08%
Up to 60 months
▼
APR5.08%
Interest Rate4.74%
TermUp to 60 months
Last UpdatedSep 16, 2026
Details
USX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.11%
539 S Main St, Findlay, OH, 45840
New and Used Vehicles Model years 2026-2025-2024-2023 Loan
5.09%
49 to 60 months
▼
APR5.09%
Term49 to 60 months
Last UpdatedSep 18, 2026
Details
Abbey Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.58%
800 Falls Creek Dr, Vandalia, OH, 45377 8600
Vehicle Loan
5.10%
Up to 63 Months
▼
APR5.10%
TermUp to 63 Months
Last UpdatedSep 18, 2026
Details
2023 or Newer
Quest Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.58%
12837 US Highway 68, Kenton, OH, 43326
NEW VEHICLE LOAN
5.10%
72 months
▼
APR5.10%
Term72 months
Last UpdatedSep 21, 2026
Details
Buy that new vehicle you've been wanting!
Quest Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.58%
12837 US Highway 68, Kenton, OH, 43326
PRE OWNED VEHICLE LOAN
5.10%
60 months
▼
APR5.10%
Term60 months
Last UpdatedSep 21, 2026
Details
Great rates on used autos too!
Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
17526 Madison Ave, Lakewood, OH, 44107
Used Autos - 2021-2023
5.11%
up to 60 Months
▼
APR5.11%
Interest Rate4.74%
Termup to 60 Months
Last UpdatedSep 18, 2026
Details
Falls Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
33 Graham Rd, Cuyahoga Falls, OH, 44223
Vehicle Loan
5.12%
36 Months
▼
APR5.12%
Term36 Months
Last UpdatedSep 18, 2026
Details
As Low As; 4.59%
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.32%
690 Schrock Rd, Columbus, OH, 43229 1123
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedSep 18, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
7000 Cardinal Pl, Dublin, OH, 43017 1091
Auto Loans - 2022 - 2024
5.14%
37 - 75 Months
▼
APR5.14%
Interest Rate5.14%
Term37 - 75 Months
Last UpdatedSep 18, 2026
Details
as low as; Loan Term
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
7000 Cardinal Pl, Dublin, OH, 43017 1091
Auto Loans - 2025 & Newer
5.14%
76 - 84 Months
▼
APR5.14%
Interest Rate5.14%
Term76 - 84 Months
Last UpdatedSep 18, 2026
Details
as low as; Loan Term; **76-84 month term available for model years 2025 and newer only.
Emerald Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
13201 GRANGER RD STE 1, GARFIELD HTS, OH, 44125
Used Auto Loan
5.14%
Up to 36 Months
▼
APR5.14%
TermUp to 36 Months
Last UpdatedSep 18, 2026
Details
As Low As
Emerald Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
13201 GRANGER RD STE 1, GARFIELD HTS, OH, 44125
Used Auto Loan
5.14%
37-48 Months
▼
APR5.14%
Term37-48 Months
Last UpdatedSep 18, 2026
Details
As Low As
Emerald Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
13201 GRANGER RD STE 1, GARFIELD HTS, OH, 44125
Used Auto Loan
5.14%
49-60 Months
▼
APR5.14%
Term49-60 Months
Last UpdatedSep 18, 2026
Details
As Low As
Falls Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
33 Graham Rd, Cuyahoga Falls, OH, 44223
Vehicle Loan
5.15%
48 Months
▼
APR5.15%
Term48 Months
Last UpdatedSep 18, 2026
Details
As Low As; 4.69%
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
1835 Sunset Blvd, Steubenville, OH, 43952
Used Vehicle Financing
5.19%
36 Months
▼
APR5.19%
Term36 Months
Last UpdatedSep 16, 2026
Details
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.71%
28543 Oregon Rd, Perrysburg, OH, 43551
Auto Loans - New & Used
5.19%
76 - 88 Months
▼
APR5.19%
Term76 - 88 Months
Last UpdatedSep 18, 2026
Details
Minimum Loan Amount $15,000
Falls Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
33 Graham Rd, Cuyahoga Falls, OH, 44223
Vehicle Loan
5.19%
60 Months
▼
APR5.19%
Term60 Months
Last UpdatedSep 18, 2026
Details
As Low As; 3.99% *SPECIAL*
Cleveland Police Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
2301 Payne Ave, Cleveland, OH, 44114
1st Time Car Buyer Program Loan
5.24%
72 months
▼
APR5.24%
Term72 months
Last UpdatedSep 18, 2026
Details
As Low As; Qualifications apply.
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
4140 W Laskey Rd, Toledo, OH, 43623 3758
New Vehicles - Term of 73 to 84 months Loan
5.24%
73 to 84 months
▼
APR5.24%
Term73 to 84 months
Last UpdatedSep 18, 2026
Details
As of January 1, 2026; New Vehicles (Model Years: 2024 and Newer)
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
4140 W Laskey Rd, Toledo, OH, 43623 3758
New Vehicles Loan
5.24%
73 to 84 months
▼
APR5.24%
Term73 to 84 months
Last UpdatedSep 18, 2026
Details
New Vehicles (Model Years: 2024 and Newer)
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
4140 W Laskey Rd, Toledo, OH, 43623 3758
Used Vehicles - Term of 49 to 54 months Loan
5.24%
49 to 54 months
▼
APR5.24%
Term49 to 54 months
Last UpdatedSep 18, 2026
Details
As of January 1, 2026; Used Vehicles (Model Years: 2017-2019)
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
4140 W Laskey Rd, Toledo, OH, 43623 3758
Used Vehicles - Term of 61 to 66 months Loan
5.24%
61 to 66 months
▼
APR5.24%
Term61 to 66 months
Last UpdatedSep 18, 2026
Details
As of January 1, 2026; Used Vehicles (Model Years: 2020-2021)
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
4140 W Laskey Rd, Toledo, OH, 43623 3758
Used Vehicles - Term of 67 to 72 months Loan
5.24%
67 to 72 months
▼
APR5.24%
Term67 to 72 months
Last UpdatedSep 18, 2026
Details
As of January 1, 2026; Used Vehicles (Model Years: 2022 and Newer)
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
4140 W Laskey Rd, Toledo, OH, 43623 3758
Used Vehicles Loan
5.24%
67 to 72 months
▼
APR5.24%
Term67 to 72 months
Last UpdatedSep 18, 2026
Details
Used Vehicles (Model Years: 2022 and Newer)
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
4140 W Laskey Rd, Toledo, OH, 43623 3758
Used Vehicles Loan
5.24%
61 to 66 months
▼
APR5.24%
Term61 to 66 months
Last UpdatedSep 18, 2026
Details
Used Vehicles (Model Years: 2020-2021)
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
4140 W Laskey Rd, Toledo, OH, 43623 3758
Used Vehicles Loan
5.24%
49 to 54 months
▼
APR5.24%
Term49 to 54 months
Last UpdatedSep 18, 2026
Details
Used Vehicles (Model Years: 2017-2019)
Pathways Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
5665 N Hamilton Rd, Columbus, OH, 43230
New Auto Loans
5.24%
up to 85 months
▼
APR5.24%
Interest Rate5.00%
Termup to 85 months
Last UpdatedSep 18, 2026
Details
As Low As; new and current 3 model year vehicles
Cardinal Credit Union Inc
Institution Rating:
A+5.0 ★ Texas Ratio: 5.28%
8500 Westport Dr, Mentor, OH, 44060
New Auto/Truck 2025- 2026
5.24%
48 Mo.
▼
APR5.24%
Interest Rate5.24%
Term48 Mo.
Last UpdatedSep 18, 2026
Details
As Low As; APR*
Cardinal Credit Union Inc
Institution Rating:
A+5.0 ★ Texas Ratio: 5.28%
8500 Westport Dr, Mentor, OH, 44060
New Auto/Truck 2025- 2026
5.24%
60 Mo.
▼
APR5.24%
Interest Rate5.24%
Term60 Mo.
Last UpdatedSep 18, 2026
Details
As Low As; APR*
Powered by
MonitorBankRates
Ohio New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
New Auto (2022-Newer)
2.50%
24 Months
▼
APR2.50%
Term24 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A++ (750+)
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
New Auto (2022-Newer)
2.75%
24 Months
▼
APR2.75%
Term24 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A+ (720-749)
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
New Auto (2022-Newer)
2.75%
36 Months
▼
APR2.75%
Term36 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A++ (750+)
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
New Auto (2022-Newer)
3.00%
36 Months
▼
APR3.00%
Term36 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A+ (720-749)
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
New Auto (2022-Newer)
3.00%
48 Months
▼
APR3.00%
Term48 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A++ (750+)
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
New Auto (2022-Newer)
3.25%
48 Months
▼
APR3.25%
Term48 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A+ (720-749)
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
New Auto (2022-Newer)
3.25%
60 Months
▼
APR3.25%
Term60 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A++ (750+)
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
New Auto (2022-Newer)
3.50%
60 Months
▼
APR3.50%
Term60 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A+ (720-749)
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
New Auto (2022-Newer)
3.50%
72 Months
▼
APR3.50%
Term72 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A++ (750+)
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
7000 Cardinal Pl, Dublin, OH, 43017 1091
Auto Loans - 2025 & Newer
3.64%
0 - 36 Months
▼
APR3.64%
Interest Rate3.64%
Term0 - 36 Months
Last UpdatedSep 18, 2026
Details
as low as; Loan Term
Buckeye State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
520 S Main St, Akron, OH, 44311
New Auto
3.75%
New-2024
▼
APR3.75%
TermNew-2024
Last UpdatedSep 18, 2026
Details
As low as; Current loan rates as of September 18, 2026. Rates subject to change at any time. As low as rates include all available member loan discounts.
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
New Auto (2022-Newer)
3.75%
24 Months
▼
APR3.75%
Term24 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A (650-719)
Education First Credit Union Inc
Institution Rating:
A5.0 ★ Texas Ratio: 12.80%
510 E Mound St, Columbus, OH, 43215 5539
New Auto Loan
3.99%
up to 66 months
▼
APR3.99%
Termup to 66 months
Last UpdatedSep 18, 2026
Details
As Low As; Model Year: 2026-2025
LAKEVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
2909 State Rd, Ashtabula, OH, 44004
New Auto 2026
3.99%
up to 48 months
▼
APR3.99%
Termup to 48 months
Last UpdatedSep 18, 2026
Details
Rates as low as
LAKEVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
2909 State Rd, Ashtabula, OH, 44004
New Auto 2026
3.99%
up to 60 months
▼
APR3.99%
Termup to 60 months
Last UpdatedSep 18, 2026
Details
Rates as low as
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
1730 Central Ave, Middletown, OH, 45044 4140
New Vehicle Loan
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedSep 18, 2026
Details
Term: 36 Months - 63 Months; As Low As
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
1730 Central Ave, Middletown, OH, 45044 4140
Used Vehicle 2023 or newer Loan
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedSep 18, 2026
Details
Term: 36 Months - 63 Months; As Low As
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1917 Ridge Ave, Zanesville, OH, 43701 4146
New/Used Vehicles - 730+ Score Loan
4.00%
24 Mo.
▼
APR4.00%
Interest Rate4.00%
Term24 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A+
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1917 Ridge Ave, Zanesville, OH, 43701 4146
New/Used Vehicles - 730+ Score Loan
4.00%
36 Mo.
▼
APR4.00%
Interest Rate4.00%
Term36 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A+
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
New Auto (2022-Newer)
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A (650-719)
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
New Auto (2022-Newer)
4.00%
72 Months
▼
APR4.00%
Term72 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A+ (720-749)
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.23%
116 Eastlawn Dr, Marion, OH, 43302
Fixed Rate New & Used Auto Loans - Up to 60 Months
4.05%
Up to 60 Months
▼
APR4.05%
TermUp to 60 Months
Last UpdatedSep 18, 2026
Details
Vehicle Model Years: All Years**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
7000 Cardinal Pl, Dublin, OH, 43017 1091
Auto Loans - 2025 & Newer
4.14%
37 - 75 Months
▼
APR4.14%
Interest Rate4.14%
Term37 - 75 Months
Last UpdatedSep 18, 2026
Details
as low as; Loan Term
All Saints Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.90%
5269 E 104th St, Garfield Hts, OH, 44125 2407
New Vehicles (Never Titled) 2025-2026 Loan
4.25%
36 months
▼
APR4.25%
Term36 months
Last UpdatedSep 14, 2026
Details
As low as
Canton School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.47%
1380 Market Ave N, Canton, OH, 44714 2606
New Auto Loan
4.25%
72 months
▼
APR4.25%
Term72 months
Last UpdatedSep 16, 2026
Details
Sample monthly payment for a loan of $20,000 and a term of 72 months at 4.25% APR would be approximately $315.19; at 4.74% APR would be approximately $319.69. Your actual rate and payment amount may be different as determined by your collateral, term, loan amount and credit qualifications. All rates and promotions subject to change without notice.
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1917 Ridge Ave, Zanesville, OH, 43701 4146
New/Used Vehicles - 730+ Score Loan
4.25%
48 Mo.
▼
APR4.25%
Interest Rate4.25%
Term48 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A+
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
New Auto (2022-Newer)
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A (650-719)
Emerald Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
13201 GRANGER RD STE 1, GARFIELD HTS, OH, 44125
New Auto Loan
4.29%
Up to 36 Months
▼
APR4.29%
TermUp to 36 Months
Last UpdatedSep 18, 2026
Details
As Low As
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
401 Chillicothe St, Portsmouth, OH, 45662
New Cars and Trucks Loan
4.30%
4 years
▼
APR4.30%
Interest Rate3.99%
Term4 years
Last UpdatedSep 21, 2026
Details
As low as; **
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
401 Chillicothe St, Portsmouth, OH, 45662
New Cars and Trucks Loan
4.39%
3 years
▼
APR4.39%
Interest Rate3.99%
Term3 years
Last UpdatedSep 21, 2026
Details
As low as; **
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
136 McMahan Blvd, Marion, OH, 43302
New Auto Loan
4.49%
60 months or less
▼
APR4.49%
Term60 months or less
Last UpdatedSep 18, 2026
Details
As Low As; Rate assumes loan to value of 100% or less and term of 60 months or less. Not all borrowers will qualify for the lowest interest rate.
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.71%
28543 Oregon Rd, Perrysburg, OH, 43551
Auto Loans - New & Used
4.49%
Up to 39 Months
▼
APR4.49%
TermUp to 39 Months
Last UpdatedSep 18, 2026
Details
Minimum Loan Amount $4,000
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
401 Chillicothe St, Portsmouth, OH, 45662
New Cars and Trucks Loan
4.49%
5 years
▼
APR4.49%
Interest Rate4.24%
Term5 years
Last UpdatedSep 21, 2026
Details
As low as; **
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
19775 State Route 739, Marysville, OH, 43040
New Automobiles (2025 and Newer)
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedSep 21, 2026
Details
As low as
Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.08%
2043 E Prospect Rd, Ashtabula, OH, 44004
New Cars & Trucks Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedSep 18, 2026
Details
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
1730 Central Ave, Middletown, OH, 45044 4140
New Vehicle Loan
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedSep 18, 2026
Details
As Low As; New Vehicle over $20,000
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1917 Ridge Ave, Zanesville, OH, 43701 4146
New/Used Vehicles - 680 - 729 Score Loan
4.50%
24 Mo.
▼
APR4.50%
Interest Rate4.50%
Term24 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1917 Ridge Ave, Zanesville, OH, 43701 4146
New/Used Vehicles - 680 - 729 Score Loan
4.50%
36 Mo.
▼
APR4.50%
Interest Rate4.50%
Term36 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1917 Ridge Ave, Zanesville, OH, 43701 4146
New/Used Vehicles - 730+ Score Loan
4.50%
60 Mo.
▼
APR4.50%
Interest Rate4.50%
Term60 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A+
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
New Auto (2022-Newer)
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A (650-719)
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
New Auto (2022-Newer)
4.50%
84 Months
▼
APR4.50%
Term84 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A++ (750+)
Emerald Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
13201 GRANGER RD STE 1, GARFIELD HTS, OH, 44125
New Auto Loan
4.54%
37-48 Months
▼
APR4.54%
Term37-48 Months
Last UpdatedSep 18, 2026
Details
As Low As
Emerald Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
13201 GRANGER RD STE 1, GARFIELD HTS, OH, 44125
New Auto Loan
4.54%
49-60 Months
▼
APR4.54%
Term49-60 Months
Last UpdatedSep 18, 2026
Details
As Low As
Emerald Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
13201 GRANGER RD STE 1, GARFIELD HTS, OH, 44125
New Auto Loan
4.54%
61-72 Months
▼
APR4.54%
Term61-72 Months
Last UpdatedSep 18, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.23%
116 Eastlawn Dr, Marion, OH, 43302
Fixed Rate New & Used Auto Loans - Up to 72 Months
4.55%
Up to 72 Months
▼
APR4.55%
TermUp to 72 Months
Last UpdatedSep 18, 2026
Details
Vehicle Model Years: 2020 or Newer**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
Atomic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
711 Beaver Creek Rd, Piketon, OH, 45661
New/Used Cars Loan
4.57%
60*
▼
APR4.57%
Interest Rate4.24%
Term60*
Last UpdatedSep 18, 2026
Details
New/Used Cars**
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
1835 Sunset Blvd, Steubenville, OH, 43952
New Vehicle Financing
4.59%
36 Months
▼
APR4.59%
Term36 Months
Last UpdatedSep 16, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.32%
690 Schrock Rd, Columbus, OH, 43229 1123
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedSep 18, 2026
Details
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.71%
28543 Oregon Rd, Perrysburg, OH, 43551
Auto Loans - New & Used
4.69%
40 - 64 Months
▼
APR4.69%
Term40 - 64 Months
Last UpdatedSep 18, 2026
Details
Minimum Loan Amount $7,500
LCE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
77 N Saint Clair St, Painesville, OH, 44077
New - 2024 Auto Loan
4.69%
36 months
▼
APR4.69%
Term36 months
Last UpdatedSep 21, 2026
Details
Model Year: New - 2024; Rate includes *: See footnote for details.
LCE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
77 N Saint Clair St, Painesville, OH, 44077
New - 2024 Auto Loan
4.69%
48 months
▼
APR4.69%
Term48 months
Last UpdatedSep 21, 2026
Details
Model Year: New - 2024; Rate includes *: See footnote for details.
LCE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
77 N Saint Clair St, Painesville, OH, 44077
New - 2024 Auto Loan
4.70%
60 months
▼
APR4.70%
Term60 months
Last UpdatedSep 21, 2026
Details
Model Year: New - 2024; Rate includes *: See footnote for details.
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.44%
315 Croghan St, Fremont, OH, 43420 3013
New/Used Automobile/Trucks/Vans
4.71%
36 Months
▼
APR4.71%
Interest Rate4.25%
Term36 Months
Last UpdatedSep 18, 2026
Details
As low as
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
445 S Main St, Akron, OH, 44311 1056
New and Used Auto Loans
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedSep 16, 2026
Details
Model Year: 2026/2025/2024/2023
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
445 S Main St, Akron, OH, 44311 1056
New and Used Auto Loans
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedSep 16, 2026
Details
Model Year: 2026/2025/2024/2023
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
445 S Main St, Akron, OH, 44311 1056
New and Used Auto Loans
4.74%
60 months
▼
APR4.74%
Term60 months
Last UpdatedSep 16, 2026
Details
Model Year: 2026/2025/2024/2023
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
445 S Main St, Akron, OH, 44311 1056
New and Used Auto Loans
4.74%
72 months
▼
APR4.74%
Term72 months
Last UpdatedSep 16, 2026
Details
Model Year: 2026/2025/2024/2023
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
445 S Main St, Akron, OH, 44311 1056
New and Used Auto Loans
4.74%
84 months
▼
APR4.74%
Term84 months
Last UpdatedSep 16, 2026
Details
Model Year: 2026/2025/2024/2023
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
445 S Main St, Akron, OH, 44311 1056
New and Used Auto Loans
4.74%
36 - 48 months
▼
APR4.74%
Term36 - 48 months
Last UpdatedSep 16, 2026
Details
Model Year: 2021
Canton School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.47%
1380 Market Ave N, Canton, OH, 44714 2606
New Auto Loan
4.74%
72 months
▼
APR4.74%
Term72 months
Last UpdatedSep 16, 2026
Details
Sample monthly payment for a loan of $20,000 and a term of 72 months at 4.25% APR would be approximately $315.19; at 4.74% APR would be approximately $319.69. Your actual rate and payment amount may be different as determined by your collateral, term, loan amount and credit qualifications. All rates and promotions subject to change without notice.
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
4140 W Laskey Rd, Toledo, OH, 43623 3758
New Vehicles - Term of 72 months or less Loan
4.74%
72 months or less
▼
APR4.74%
Term72 months or less
Last UpdatedSep 18, 2026
Details
As of January 1, 2026; New Vehicles (Model Years: 2024 and Newer)
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
4140 W Laskey Rd, Toledo, OH, 43623 3758
New Vehicles Loan
4.74%
72 months or less
▼
APR4.74%
Term72 months or less
Last UpdatedSep 18, 2026
Details
New Vehicles (Model Years: 2024 and Newer)
Eaton Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.75%
28954 Chardon Rd, Willoughby Hills, OH, 44092
New Vehicles & Motorcycles Loan
4.74%
up to 72 months
▼
APR4.74%
Termup to 72 months
Last UpdatedSep 18, 2026
Details
Rates as low as
Friends And Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
46 Federal Ave NW, Massillon, OH, 44647
Auto Loan 2020 & Newer
4.74%
Up to 60 Months
▼
APR4.74%
TermUp to 60 Months
Last UpdatedSep 18, 2026
Details
As Low As; *
CAREY POVERELLO
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
201 N Vance St, Carey, OH, 43316 1038
New Vehicle Loan
4.74%
Up to 84 months
▼
APR4.74%
TermUp to 84 months
Last UpdatedSep 18, 2026
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
401 Chillicothe St, Portsmouth, OH, 45662
New Vehicle Loans
4.74%
6-year
▼
APR4.74%
Interest Rate4.74%
Term6-year
Last UpdatedSep 21, 2026
Details
As a reward for doing more business with Desco, our members can qualify for reductions from our standard rates if they have their loan payments automatically deducted from a Desco checking account and have their home mortgage with us. Contact a loan specialist for a rate quote. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, model, year, term, and loan amount. All loans are subject to approval and not all applicants will qualify for the lowest rate. Rates are based on an A+ credit score, 10% equity in the vehicle, auto deduction from a DESCO Advantage Plus checking account, a current DESCO mortgage, and have a DESCO Credit Card. APR=Annual Percentage Rate; based off a $25,000.00 loan with a $150.00 loan origination fee. Approximate monthly loan payment at 4.74% is $402.08 on a $25,000.00 loan with a 6-year term.
Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.08%
2043 E Prospect Rd, Ashtabula, OH, 44004
New Cars & Trucks Loan
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedSep 18, 2026
Details
Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.08%
2043 E Prospect Rd, Ashtabula, OH, 44004
New Cars & Trucks Loan
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedSep 18, 2026
Details
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
1730 Central Ave, Middletown, OH, 45044 4140
Used Vehicle 2023 or newer Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedSep 18, 2026
Details
As Low As; Used Vehicle 2023 or newer over $20,000
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1917 Ridge Ave, Zanesville, OH, 43701 4146
New/Used Vehicles - 680 - 729 Score Loan
4.75%
48 Mo.
▼
APR4.75%
Interest Rate4.75%
Term48 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1917 Ridge Ave, Zanesville, OH, 43701 4146
New/Used Vehicles - 680 - 729 Score Loan
4.75%
60 Mo.
▼
APR4.75%
Interest Rate4.75%
Term60 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
New Auto (2022-Newer)
4.75%
84 Months
▼
APR4.75%
Term84 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A+ (720-749)
Toledo Urban Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.35%
1441 Dorr St, Toledo, OH, 43607 3956
New Auto
4.75%
Up to 84 Months
▼
APR4.75%
Interest Rate4.75%
TermUp to 84 Months
Last UpdatedSep 21, 2026
Details
Published rate range: 4.75% - 18%.
Cincinnati Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
7420 Kilby Rd, Harrison, OH, 45030
New Vehicle Loan
4.82%
72 Months
▼
APR4.82%
Interest Rate4.75%
Term72 Months
Last UpdatedSep 18, 2026
Details
Lowest rate requires a direct deposit in place prior to loan disbursement.
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.44%
315 Croghan St, Fremont, OH, 43420 3013
New/Used Automobile/Trucks/Vans
4.85%
48 Months
▼
APR4.85%
Interest Rate4.50%
Term48 Months
Last UpdatedSep 18, 2026
Details
As low as
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.71%
28543 Oregon Rd, Perrysburg, OH, 43551
Auto Loans - New & Used
4.89%
65 - 75 Months
▼
APR4.89%
Term65 - 75 Months
Last UpdatedSep 18, 2026
Details
Minimum Loan Amount $10,000
USX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.11%
539 S Main St, Findlay, OH, 45840
New and Used Vehicles Model years 2026-2025-2024-2023 Loan
4.89%
Up to 48 months
▼
APR4.89%
TermUp to 48 months
Last UpdatedSep 18, 2026
Details
LCE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
77 N Saint Clair St, Painesville, OH, 44077
New - 2024 Auto Loan
4.89%
72 months
▼
APR4.89%
Term72 months
Last UpdatedSep 21, 2026
Details
Model Year: New - 2024; Rate includes *: See footnote for details.
Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
17526 Madison Ave, Lakewood, OH, 44107
New Autos - 2025 & Newer
4.93%
up to 72 Months
▼
APR4.93%
Interest Rate4.74%
Termup to 72 Months
Last UpdatedSep 18, 2026
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
401 Chillicothe St, Portsmouth, OH, 45662
New Cars and Trucks Loan
4.95%
6 years
▼
APR4.95%
Interest Rate4.74%
Term6 years
Last UpdatedSep 21, 2026
Details
As low as; **
Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
17526 Madison Ave, Lakewood, OH, 44107
Used Autos - 2024 & Newer
4.96%
up to 72 Months
▼
APR4.96%
Interest Rate4.74%
Termup to 72 Months
Last UpdatedSep 18, 2026
Details
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
1730 Central Ave, Middletown, OH, 45044 4140
New Vehicle Loan
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedSep 18, 2026
Details
As Low As; New Vehicle $25,000
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
1730 Central Ave, Middletown, OH, 45044 4140
Used Vehicle 2023 or newer Loan
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedSep 18, 2026
Details
As Low As; Used Vehicle 2023 or newer over $25,000
Wright-Patt Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.62%
1506 N Fairfield Rd, Beavercreek, OH, 45432 2737
Auto Loans (2023 or Newer) - Up to 63 Months
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedSep 18, 2026
Details
Friends And Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
46 Federal Ave NW, Massillon, OH, 44647
Auto Loan 2020 & Newer
4.99%
Up to 76 Months
▼
APR4.99%
TermUp to 76 Months
Last UpdatedSep 18, 2026
Details
As Low As; *
Wiremens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
5800 State Rd, Parma, OH, 44134
New Vehicle Loan
4.99%
up to 84 months
▼
APR4.99%
Termup to 84 months
Last UpdatedSep 18, 2026
Details
As Low As
AllWealth Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.78%
6 S 2nd St, Hamilton, OH, 45011 2846
NEW & USED VEHICLE LOANS
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedSep 18, 2026
Details
As Low As;
AllWealth Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.78%
6 S 2nd St, Hamilton, OH, 45011 2846
NEW & USED VEHICLE LOANS
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedSep 18, 2026
Details
As Low As;
AllWealth Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.78%
6 S 2nd St, Hamilton, OH, 45011 2846
NEW & USED VEHICLE LOANS
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedSep 18, 2026
Details
As Low As;
Midwest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.76%
8770 N State Route 66, Defiance, OH, 43512 8254
New Vehicle Loans
4.99%
60 Months
▼
APR4.99%
Interest Rate4.99%
Term60 Months
Last UpdatedSep 20, 2026
Details
As low as; fixed
University of Toledo Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.19%
5248 Hill Ave, Toledo, OH, 43615 5868
2025-2026 (new/untitled) Auto Loan
4.99%
Up to 84 Months
▼
APR4.99%
TermUp to 84 Months
Last UpdatedSep 21, 2026
Details
APR*
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
19775 State Route 739, Marysville, OH, 43040
New Automobiles (2025 and Newer)
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedSep 21, 2026
Details
As low as
Latvian Cleveland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1385 Andrews Ave, Lakewood, OH, 44107 2405
New Car Loans
5.00%
1-6 year loan
▼
APR5.00%
Term1-6 year loan
Last UpdatedSep 18, 2026
Details
Nickel Steel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.37%
1067 s main st, lima, OH, 45804 2043
NEW/NEWER VEHICLES Loan
5.00%
48 months
▼
APR5.00%
Term48 months
Last UpdatedSep 20, 2026
Details
2026-2023
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1917 Ridge Ave, Zanesville, OH, 43701 4146
New/Used Vehicles - 730+ Score Loan
5.00%
72 Mo.
▼
APR5.00%
Interest Rate5.00%
Term72 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A+
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
New Auto (2022-Newer)
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A (650-719)
Local Union 392 Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
1228 Central Pkwy Ste 302, Cincinnati, OH, 45202
New Auto Loans 2026 - 2027 6,000 Miles or Less
5.00%
1-36 Months
▼
APR5.00%
Term1-36 Months
Last UpdatedSep 21, 2026
Details
Credit Rating: A+
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.44%
315 Croghan St, Fremont, OH, 43420 3013
New/Used Automobile/Trucks/Vans
5.04%
60 Months
▼
APR5.04%
Interest Rate4.75%
Term60 Months
Last UpdatedSep 18, 2026
Details
As low as
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
555 Officenter Pl, Gahanna, OH, 43230 5314
2023 & Newer Auto Loan
5.04%
Year: 2023 & Newer
▼
APR5.04%
Interest Rate4.74%
TermYear: 2023 & Newer
Last UpdatedSep 18, 2026
Details
KEMBA Advantage; As Low As
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
555 Officenter Pl, Gahanna, OH, 43230 5314
KEMBA Advantage Auto Loan - 2023 & Newer
5.04%
Year: 2023 & Newer
▼
APR5.04%
Interest Rate4.74%
TermYear: 2023 & Newer
Last UpdatedSep 18, 2026
Details
As Low As
Emerald Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
13201 GRANGER RD STE 1, GARFIELD HTS, OH, 44125
New Auto Loan
5.04%
73-78 Months
▼
APR5.04%
Term73-78 Months
Last UpdatedSep 18, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.23%
116 Eastlawn Dr, Marion, OH, 43302
Fixed Rate New & Used Auto Loans - Up to 84 Months
5.05%
Up to 84 Months
▼
APR5.05%
TermUp to 84 Months
Last UpdatedSep 18, 2026
Details
Vehicle Model Years: 2022 or Newer; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
TrueCore Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
215 Deo Dr, newark, OH, 43055 3048
New Autos & Trucks (2025-2026)
5.08%
Up to 60 months
▼
APR5.08%
Interest Rate4.74%
TermUp to 60 months
Last UpdatedSep 16, 2026
Details
USX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.11%
539 S Main St, Findlay, OH, 45840
New and Used Vehicles Model years 2026-2025-2024-2023 Loan
5.09%
49 to 60 months
▼
APR5.09%
Term49 to 60 months
Last UpdatedSep 18, 2026
Details
Quest Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.58%
12837 US Highway 68, Kenton, OH, 43326
NEW VEHICLE LOAN
5.10%
72 months
▼
APR5.10%
Term72 months
Last UpdatedSep 21, 2026
Details
Buy that new vehicle you've been wanting!
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.32%
690 Schrock Rd, Columbus, OH, 43229 1123
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedSep 18, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
7000 Cardinal Pl, Dublin, OH, 43017 1091
Auto Loans - 2025 & Newer
5.14%
76 - 84 Months
▼
APR5.14%
Interest Rate5.14%
Term76 - 84 Months
Last UpdatedSep 18, 2026
Details
as low as; Loan Term; **76-84 month term available for model years 2025 and newer only.
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.71%
28543 Oregon Rd, Perrysburg, OH, 43551
Auto Loans - New & Used
5.19%
76 - 88 Months
▼
APR5.19%
Term76 - 88 Months
Last UpdatedSep 18, 2026
Details
Minimum Loan Amount $15,000
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
4140 W Laskey Rd, Toledo, OH, 43623 3758
New Vehicles - Term of 73 to 84 months Loan
5.24%
73 to 84 months
▼
APR5.24%
Term73 to 84 months
Last UpdatedSep 18, 2026
Details
As of January 1, 2026; New Vehicles (Model Years: 2024 and Newer)
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
4140 W Laskey Rd, Toledo, OH, 43623 3758
New Vehicles Loan
5.24%
73 to 84 months
▼
APR5.24%
Term73 to 84 months
Last UpdatedSep 18, 2026
Details
New Vehicles (Model Years: 2024 and Newer)
Pathways Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
5665 N Hamilton Rd, Columbus, OH, 43230
New Auto Loans
5.24%
up to 85 months
▼
APR5.24%
Interest Rate5.00%
Termup to 85 months
Last UpdatedSep 18, 2026
Details
As Low As; new and current 3 model year vehicles
Cardinal Credit Union Inc
Institution Rating:
A+5.0 ★ Texas Ratio: 5.28%
8500 Westport Dr, Mentor, OH, 44060
New Auto/Truck 2025- 2026
5.24%
48 Mo.
▼
APR5.24%
Interest Rate5.24%
Term48 Mo.
Last UpdatedSep 18, 2026
Details
As Low As; APR*
Cardinal Credit Union Inc
Institution Rating:
A+5.0 ★ Texas Ratio: 5.28%
8500 Westport Dr, Mentor, OH, 44060
New Auto/Truck 2025- 2026
5.24%
60 Mo.
▼
APR5.24%
Interest Rate5.24%
Term60 Mo.
Last UpdatedSep 18, 2026
Details
As Low As; APR*
Powered by
MonitorBankRates
Ohio Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Education First Credit Union Inc
Institution Rating:
A5.0 ★ Texas Ratio: 12.80%
510 E Mound St, Columbus, OH, 43215 5539
Used Auto Loan
3.99%
up to 66 months
▼
APR3.99%
Termup to 66 months
Last UpdatedSep 18, 2026
Details
As Low As; Model Year: 2024-2022
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
1730 Central Ave, Middletown, OH, 45044 4140
Used Vehicle 2023 or newer Loan
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedSep 18, 2026
Details
Term: 36 Months - 63 Months; As Low As
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1917 Ridge Ave, Zanesville, OH, 43701 4146
New/Used Vehicles - 730+ Score Loan
4.00%
24 Mo.
▼
APR4.00%
Interest Rate4.00%
Term24 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A+
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1917 Ridge Ave, Zanesville, OH, 43701 4146
New/Used Vehicles - 730+ Score Loan
4.00%
36 Mo.
▼
APR4.00%
Interest Rate4.00%
Term36 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A+
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2021-2020)
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A+ 720-749
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2021-2020)
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A++ 750+
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.23%
116 Eastlawn Dr, Marion, OH, 43302
Fixed Rate New & Used Auto Loans - Up to 60 Months
4.05%
Up to 60 Months
▼
APR4.05%
TermUp to 60 Months
Last UpdatedSep 18, 2026
Details
Vehicle Model Years: All Years**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1917 Ridge Ave, Zanesville, OH, 43701 4146
New/Used Vehicles - 730+ Score Loan
4.25%
48 Mo.
▼
APR4.25%
Interest Rate4.25%
Term48 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A+
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2021-2020)
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A+ 720-749
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2021-2020)
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A++ 750+
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
401 Chillicothe St, Portsmouth, OH, 45662
Used Cars and Trucks Loan
4.30%
4 years
▼
APR4.30%
Interest Rate3.99%
Term4 years
Last UpdatedSep 21, 2026
Details
As low as; **
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
401 Chillicothe St, Portsmouth, OH, 45662
Used Cars and Trucks Loan
4.39%
3 years
▼
APR4.39%
Interest Rate3.99%
Term3 years
Last UpdatedSep 21, 2026
Details
As low as; **
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.71%
28543 Oregon Rd, Perrysburg, OH, 43551
Auto Loans - New & Used
4.49%
Up to 39 Months
▼
APR4.49%
TermUp to 39 Months
Last UpdatedSep 18, 2026
Details
Minimum Loan Amount $4,000
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
401 Chillicothe St, Portsmouth, OH, 45662
Used Cars and Trucks Loan
4.49%
5 years
▼
APR4.49%
Interest Rate4.24%
Term5 years
Last UpdatedSep 21, 2026
Details
As low as; **
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1917 Ridge Ave, Zanesville, OH, 43701 4146
New/Used Vehicles - 680 - 729 Score Loan
4.50%
24 Mo.
▼
APR4.50%
Interest Rate4.50%
Term24 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1917 Ridge Ave, Zanesville, OH, 43701 4146
New/Used Vehicles - 680 - 729 Score Loan
4.50%
36 Mo.
▼
APR4.50%
Interest Rate4.50%
Term36 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1917 Ridge Ave, Zanesville, OH, 43701 4146
New/Used Vehicles - 730+ Score Loan
4.50%
60 Mo.
▼
APR4.50%
Interest Rate4.50%
Term60 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A+
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2019-2017) Loan
4.50%
24 Months
▼
APR4.50%
Term24 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A++ (750+)
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2021-2020)
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A+ 720-749
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.23%
116 Eastlawn Dr, Marion, OH, 43302
Fixed Rate New & Used Auto Loans - Up to 72 Months
4.55%
Up to 72 Months
▼
APR4.55%
TermUp to 72 Months
Last UpdatedSep 18, 2026
Details
Vehicle Model Years: 2020 or Newer**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
Atomic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
711 Beaver Creek Rd, Piketon, OH, 45661
New/Used Cars Loan
4.57%
60*
▼
APR4.57%
Interest Rate4.24%
Term60*
Last UpdatedSep 18, 2026
Details
New/Used Cars**
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
1835 Sunset Blvd, Steubenville, OH, 43952
Used Vehicle Financing
4.59%
36 Months
▼
APR4.59%
Term36 Months
Last UpdatedSep 16, 2026
Details
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.71%
28543 Oregon Rd, Perrysburg, OH, 43551
Auto Loans - New & Used
4.69%
40 - 64 Months
▼
APR4.69%
Term40 - 64 Months
Last UpdatedSep 18, 2026
Details
Minimum Loan Amount $7,500
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.44%
315 Croghan St, Fremont, OH, 43420 3013
New/Used Automobile/Trucks/Vans
4.71%
36 Months
▼
APR4.71%
Interest Rate4.25%
Term36 Months
Last UpdatedSep 18, 2026
Details
As low as
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
445 S Main St, Akron, OH, 44311 1056
New and Used Auto Loans
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedSep 16, 2026
Details
Model Year: 2026/2025/2024/2023
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
445 S Main St, Akron, OH, 44311 1056
New and Used Auto Loans
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedSep 16, 2026
Details
Model Year: 2026/2025/2024/2023
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
445 S Main St, Akron, OH, 44311 1056
New and Used Auto Loans
4.74%
60 months
▼
APR4.74%
Term60 months
Last UpdatedSep 16, 2026
Details
Model Year: 2026/2025/2024/2023
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
445 S Main St, Akron, OH, 44311 1056
New and Used Auto Loans
4.74%
72 months
▼
APR4.74%
Term72 months
Last UpdatedSep 16, 2026
Details
Model Year: 2026/2025/2024/2023
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
445 S Main St, Akron, OH, 44311 1056
New and Used Auto Loans
4.74%
84 months
▼
APR4.74%
Term84 months
Last UpdatedSep 16, 2026
Details
Model Year: 2026/2025/2024/2023
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
445 S Main St, Akron, OH, 44311 1056
New and Used Auto Loans
4.74%
36 - 48 months
▼
APR4.74%
Term36 - 48 months
Last UpdatedSep 16, 2026
Details
Model Year: 2021
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
4140 W Laskey Rd, Toledo, OH, 43623 3758
Used Vehicles - Term of 48 months or less Loan
4.74%
48 months or less
▼
APR4.74%
Term48 months or less
Last UpdatedSep 18, 2026
Details
As of January 1, 2026; Used Vehicles (Model Years: 2017-2019)
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
4140 W Laskey Rd, Toledo, OH, 43623 3758
Used Vehicles - Term of 60 months or less Loan
4.74%
60 months or less
▼
APR4.74%
Term60 months or less
Last UpdatedSep 18, 2026
Details
As of January 1, 2026; Used Vehicles (Model Years: 2020-2021)
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
4140 W Laskey Rd, Toledo, OH, 43623 3758
Used Vehicles - Term of 66 months or less Loan
4.74%
66 months or less
▼
APR4.74%
Term66 months or less
Last UpdatedSep 18, 2026
Details
As of January 1, 2026; Used Vehicles (Model Years: 2022 and Newer)
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
4140 W Laskey Rd, Toledo, OH, 43623 3758
Used Vehicles Loan
4.74%
66 months or less
▼
APR4.74%
Term66 months or less
Last UpdatedSep 18, 2026
Details
Used Vehicles (Model Years: 2022 and Newer)
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
4140 W Laskey Rd, Toledo, OH, 43623 3758
Used Vehicles Loan
4.74%
60 months or less
▼
APR4.74%
Term60 months or less
Last UpdatedSep 18, 2026
Details
Used Vehicles (Model Years: 2020-2021)
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
4140 W Laskey Rd, Toledo, OH, 43623 3758
Used Vehicles Loan
4.74%
48 months or less
▼
APR4.74%
Term48 months or less
Last UpdatedSep 18, 2026
Details
Used Vehicles (Model Years: 2017-2019)
Education First Credit Union Inc
Institution Rating:
A5.0 ★ Texas Ratio: 12.80%
510 E Mound St, Columbus, OH, 43215 5539
Used Auto Loan
4.74%
up to 66 months
▼
APR4.74%
Termup to 66 months
Last UpdatedSep 18, 2026
Details
As Low As; Model Year: 2021-2019
CAREY POVERELLO
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
201 N Vance St, Carey, OH, 43316 1038
Pre-Owned Vehicle Loan
4.74%
Up to 84 months
▼
APR4.74%
TermUp to 84 months
Last UpdatedSep 18, 2026
Details
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
1730 Central Ave, Middletown, OH, 45044 4140
Used Vehicle 2023 or newer Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedSep 18, 2026
Details
As Low As; Used Vehicle 2023 or newer over $20,000
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1917 Ridge Ave, Zanesville, OH, 43701 4146
New/Used Vehicles - 680 - 729 Score Loan
4.75%
48 Mo.
▼
APR4.75%
Interest Rate4.75%
Term48 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1917 Ridge Ave, Zanesville, OH, 43701 4146
New/Used Vehicles - 680 - 729 Score Loan
4.75%
60 Mo.
▼
APR4.75%
Interest Rate4.75%
Term60 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2019-2017) Loan
4.75%
24 Months
▼
APR4.75%
Term24 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A+ (720-749)
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2019-2017) Loan
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A++ (750+)
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2021-2020)
4.75%
24 Months
▼
APR4.75%
Term24 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A 650-719
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2021-2020)
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A++ 750+
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.44%
315 Croghan St, Fremont, OH, 43420 3013
New/Used Automobile/Trucks/Vans
4.85%
48 Months
▼
APR4.85%
Interest Rate4.50%
Term48 Months
Last UpdatedSep 18, 2026
Details
As low as
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.71%
28543 Oregon Rd, Perrysburg, OH, 43551
Auto Loans - New & Used
4.89%
65 - 75 Months
▼
APR4.89%
Term65 - 75 Months
Last UpdatedSep 18, 2026
Details
Minimum Loan Amount $10,000
USX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.11%
539 S Main St, Findlay, OH, 45840
New and Used Vehicles Model years 2026-2025-2024-2023 Loan
4.89%
Up to 48 months
▼
APR4.89%
TermUp to 48 months
Last UpdatedSep 18, 2026
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
401 Chillicothe St, Portsmouth, OH, 45662
Used Cars and Trucks Loan
4.95%
6 years
▼
APR4.95%
Interest Rate4.74%
Term6 years
Last UpdatedSep 21, 2026
Details
As low as; **
Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
17526 Madison Ave, Lakewood, OH, 44107
Used Autos - 2024 & Newer
4.96%
up to 72 Months
▼
APR4.96%
Interest Rate4.74%
Termup to 72 Months
Last UpdatedSep 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.32%
690 Schrock Rd, Columbus, OH, 43229 1123
Used Auto
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedSep 18, 2026
Details
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
1730 Central Ave, Middletown, OH, 45044 4140
Used Vehicle 2023 or newer Loan
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedSep 18, 2026
Details
As Low As; Used Vehicle 2023 or newer over $25,000
AllWealth Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.78%
6 S 2nd St, Hamilton, OH, 45011 2846
NEW & USED VEHICLE LOANS
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedSep 18, 2026
Details
As Low As;
AllWealth Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.78%
6 S 2nd St, Hamilton, OH, 45011 2846
NEW & USED VEHICLE LOANS
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedSep 18, 2026
Details
As Low As;
AllWealth Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.78%
6 S 2nd St, Hamilton, OH, 45011 2846
NEW & USED VEHICLE LOANS
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedSep 18, 2026
Details
As Low As;
Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.08%
2043 E Prospect Rd, Ashtabula, OH, 44004
Used Cars & Trucks Loan
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedSep 18, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
1917 Ridge Ave, Zanesville, OH, 43701 4146
New/Used Vehicles - 730+ Score Loan
5.00%
72 Mo.
▼
APR5.00%
Interest Rate5.00%
Term72 Mo.
Last UpdatedSep 21, 2026
Details
Credit Grade: A+
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2016 & Older) - 24 Months
5.00%
24 Months
▼
APR5.00%
Interest Rate5.00%
Term24 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A++ (750+)
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2019-2017) Loan
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A+ (720-749)
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2019-2017) Loan
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A++ (750+)
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2021-2020)
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A 650-719
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2021-2020)
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A+ 720-749
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.44%
315 Croghan St, Fremont, OH, 43420 3013
New/Used Automobile/Trucks/Vans
5.04%
60 Months
▼
APR5.04%
Interest Rate4.75%
Term60 Months
Last UpdatedSep 18, 2026
Details
As low as
Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
17526 Madison Ave, Lakewood, OH, 44107
Used Autos - 2021-2023
5.04%
up to 72 Months
▼
APR5.04%
Interest Rate4.74%
Termup to 72 Months
Last UpdatedSep 18, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.23%
116 Eastlawn Dr, Marion, OH, 43302
Fixed Rate New & Used Auto Loans - Up to 84 Months
5.05%
Up to 84 Months
▼
APR5.05%
TermUp to 84 Months
Last UpdatedSep 18, 2026
Details
Vehicle Model Years: 2022 or Newer; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
USX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.11%
539 S Main St, Findlay, OH, 45840
New and Used Vehicles Model years 2026-2025-2024-2023 Loan
5.09%
49 to 60 months
▼
APR5.09%
Term49 to 60 months
Last UpdatedSep 18, 2026
Details
Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
17526 Madison Ave, Lakewood, OH, 44107
Used Autos - 2021-2023
5.11%
up to 60 Months
▼
APR5.11%
Interest Rate4.74%
Termup to 60 Months
Last UpdatedSep 18, 2026
Details
Emerald Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
13201 GRANGER RD STE 1, GARFIELD HTS, OH, 44125
Used Auto Loan
5.14%
Up to 36 Months
▼
APR5.14%
TermUp to 36 Months
Last UpdatedSep 18, 2026
Details
As Low As
Emerald Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
13201 GRANGER RD STE 1, GARFIELD HTS, OH, 44125
Used Auto Loan
5.14%
37-48 Months
▼
APR5.14%
Term37-48 Months
Last UpdatedSep 18, 2026
Details
As Low As
Emerald Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
13201 GRANGER RD STE 1, GARFIELD HTS, OH, 44125
Used Auto Loan
5.14%
49-60 Months
▼
APR5.14%
Term49-60 Months
Last UpdatedSep 18, 2026
Details
As Low As
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
1835 Sunset Blvd, Steubenville, OH, 43952
Used Vehicle Financing
5.19%
36 Months
▼
APR5.19%
Term36 Months
Last UpdatedSep 16, 2026
Details
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.71%
28543 Oregon Rd, Perrysburg, OH, 43551
Auto Loans - New & Used
5.19%
76 - 88 Months
▼
APR5.19%
Term76 - 88 Months
Last UpdatedSep 18, 2026
Details
Minimum Loan Amount $15,000
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
4140 W Laskey Rd, Toledo, OH, 43623 3758
Used Vehicles - Term of 49 to 54 months Loan
5.24%
49 to 54 months
▼
APR5.24%
Term49 to 54 months
Last UpdatedSep 18, 2026
Details
As of January 1, 2026; Used Vehicles (Model Years: 2017-2019)
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
4140 W Laskey Rd, Toledo, OH, 43623 3758
Used Vehicles - Term of 61 to 66 months Loan
5.24%
61 to 66 months
▼
APR5.24%
Term61 to 66 months
Last UpdatedSep 18, 2026
Details
As of January 1, 2026; Used Vehicles (Model Years: 2020-2021)
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
4140 W Laskey Rd, Toledo, OH, 43623 3758
Used Vehicles - Term of 67 to 72 months Loan
5.24%
67 to 72 months
▼
APR5.24%
Term67 to 72 months
Last UpdatedSep 18, 2026
Details
As of January 1, 2026; Used Vehicles (Model Years: 2022 and Newer)
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
4140 W Laskey Rd, Toledo, OH, 43623 3758
Used Vehicles Loan
5.24%
67 to 72 months
▼
APR5.24%
Term67 to 72 months
Last UpdatedSep 18, 2026
Details
Used Vehicles (Model Years: 2022 and Newer)
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
4140 W Laskey Rd, Toledo, OH, 43623 3758
Used Vehicles Loan
5.24%
61 to 66 months
▼
APR5.24%
Term61 to 66 months
Last UpdatedSep 18, 2026
Details
Used Vehicles (Model Years: 2020-2021)
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
4140 W Laskey Rd, Toledo, OH, 43623 3758
Used Vehicles Loan
5.24%
49 to 54 months
▼
APR5.24%
Term49 to 54 months
Last UpdatedSep 18, 2026
Details
Used Vehicles (Model Years: 2017-2019)
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MonitorBankRates
Ohio Auto Loan Rate Trends
Compare local Ohio auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
New Auto Loan OH Avg
5.966%
▲ 0.316 vs 7 days ago
Ohio new auto rates rose 0.316 points over the past 7 days to 5.966% APR.
Used Auto Loan OH Avg
6.419%
▼ 0.136 vs 7 days ago
Ohio used auto rates fell 0.136 points over the past 7 days to 6.419% APR.
As of Sep 22, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Ohio Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Ohio figures.
Current New Auto Avg
5.97%
APR, as of Sep 22, 2026
6-Month Forecast
6.05%
Fed hold assumed
12-Month Forecast
6.12%
Range: 5.77% to 6.32%
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Ohio APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.97% APR OH average | Used Auto @ 6.42% APR OH average | Monthly Difference |
|---|---|---|---|
| $15,000 | $289.75/mo | $292.93/mo | $3.17/mo |
| $25,000 | $482.92/mo | $488.21/mo | $5.29/mo |
| $35,000 | $676.09/mo | $683.49/mo | $7.40/mo |
| $45,000 | $869.26/mo | $878.78/mo | $9.51/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in Ohio
1
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Ohio locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
2
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Ohio. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
3
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
4
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
Building a down payment, or is an auto loan not the right fit?
- Saving up for a bigger down payment: park it in a Ohio high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Ohio CD rates lock in a guaranteed return until you’re ready to buy
Ohio Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
$44,003
Median Individual Earnings
National avg: $47,340
4.7%
Unemployment Rate
National avg: 4.8%
13.3%
Poverty Rate
National avg: 11.1%
$580/mo
Payment on a $30K / 60-mo Loan
At OH new-auto avg 5.97% APR
A $580 monthly car payment works out to roughly 15.8% of the median individual income in Ohio. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15–20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Ohio, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1–3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0–2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Ohio. We’ve prefilled the APR with today’s OH new-auto average, or click any current rate on the right to apply it instantly.
$
$
%
Current Rates: Click to Apply
$0
Estimated Monthly Payment
Loan Amount$0
Total Interest Paid$0
Total of All Payments$0
Total Cost incl. Down Payment$0
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Ohio auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Ohio directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Ohio. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in OH.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Ohio
How does my credit score affect my car loan rate in Ohio?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Ohio with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.
Is it better to finance through a dealership or a bank?
It is highly recommended to get pre-approved through a local bank or credit union in Ohio *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.
What is the difference between New and Used Auto Loan rates?
Lenders in Ohio typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
Should I get preapproved for an auto loan before visiting a dealer in Ohio?
Yes. A preapproval from a bank or credit union serving Ohio gives you a real rate to compare against dealer financing and turns you into a cash buyer at the negotiating table. Dealers often mark up the rates they arrange, so walking in with a preapproved offer routinely saves buyers money on the financing side of the deal.
Why are used car loan rates higher than new car rates?
Lenders charge more for used vehicles because they are harder to value, depreciate unpredictably, and carry more repossession risk. The spread between new and used rates is typically 0.5 to 1.5 percentage points. A late-model certified pre-owned vehicle sometimes qualifies for new-car rates, so ask the lender how they classify the vehicle before assuming the used rate applies.
Can I refinance my auto loan if rates drop or my credit improves?
Yes. Auto loan refinancing is usually fast and often fee-free. If your credit score has improved since you bought the vehicle, or you financed at a marked-up dealer rate, refinancing with a bank or credit union serving Ohio can lower your monthly payment or shorten your term. It makes the most sense early in the loan, while most of your payments are still going to interest.
What are the best Auto Loan rates in Ohio?
Based on our current data, some of the lowest auto loan rates available in Ohio include:
- Materion Federal Credit Union: 1.99% (Vehicle Loan)
- YTR Community Federal Credit Union: 2.50% (New Auto (2022-Newer))
- United Federal Credit Union: 2.99% (Auto Loan)
- Baxter Credit Union: 3.64% (Auto Loans - 2025 & Newer)
- Buckeye State Credit Union: 3.75% (New Auto)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Ohio. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: September 21, 2026
Auto Loan Rates by City in Ohio
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MonitorBankRates.com · Live Data
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