Waynesfield, Ohio Best Auto Loan Rates - September 2026
Brian McKay
Brian McKay
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Current auto loan rates in Waynesfield, Ohio include Materion Federal Credit UnionMaterion Federal Credit UnionA+5.0 ★Texas Ratio: 0.47% offering Vehicle Loan at 1.99%, YTR Community Federal Credit UnionYTR Community Federal Credit UnionA+5.0 ★Texas Ratio: 4.29% offering New Auto (2022-Newer) at 2.50%, United Federal Credit UnionUnited Federal Credit UnionA+5.0 ★Texas Ratio: 3.23% offering Auto Loan at 2.99%, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 6.20% offering Auto Loan at 3.64%, Greater Cleveland Community Credit UnionGreater Cleveland Community Credit UnionA5.0 ★Texas Ratio: 11.04% offering Auto Loans at 3.99%. Auto loan rates as of September 22, 2026 according to verified data from MonitorBankRates.
Waynesfield borrowers have access to 57 lenders serving the Ohio area, with auto loan rates as low as 1.99% APR from Materion Federal Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Waynesfield, Ohio. Auto Loan Rates Last Updated and Verified: September 22, 2026
Compare Auto Loan Rates Today in Waynesfield, Ohio & Surrounding Area
Waynesfield Auto Loan Rates
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.
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.
Credit Grade: A++ (750+)
Credit Grade: A+ (720-749)
Credit Grade: A++ (750+)
with autopay from a United checking account.
Credit Grade: A+ (720-749)
Credit Grade: A++ (750+)
Credit Grade: A+ (720-749)
Credit Grade: A++ (750+)
Credit Grade: A+ (720-749)
Credit Grade: A++ (750+)
As Low As; 2025 & Newer
Credit Grade: A (650-719)
As Low As; on passenger vehicles. Members can purchase optional loan protection products like Extended Warranty Repair Coverage, GAP insurance, and Credit Life Insurance to further reduce the loan interest rate. These products provide financial protection in case of accidents, theft, mechanical repairs and other unforeseen circumstances. Loans over $25,000 on vehicles 8 - 10yrs old must be signed-off by President/CEO
As low as
As low as
As low as
2025-2026 less than 5,000 miles
2025-2026 less than 5,000 miles
Rates as low as
Rates as low as
Rate applies to terms up to 60 months.
Credit Grade: A+
Credit Grade: A+
Credit Grade: A (650-719)
Credit Grade: A+ (720-749)
Credit Grade: A+ 720-749
Credit Grade: A++ 750+
Term: 36 Months - 63 Months; As Low As
Term: 36 Months - 63 Months; As Low As
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.
As Low As; 2025 & Newer
Published APR range: 4.19% - 16.99%. Year: 2025-2026
New vehicles - -110% financing -Any vehicle with an EPA estimated mileage of 35MGP/City or HYBRID
2025-2026 less than 5,000 miles
2025-2026 less than 5,000 miles
As Low As; *1
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.
As low as
Credit Grade: A+
Credit Grade: A (650-719)
Credit Grade: A+ 720-749
Credit Grade: A++ 750+
Qualifications Required: Credit score of 660 or higher; 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.
As Low As
As low as; **
As low as; **
As low as; **
As low as; **
As low as; **
As low as; **
As low as
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.
Minimum Loan Amount $4,000
2025-2026 less than 5,000 miles
2019-2025 and 2025-2026 with over 5,000 miles
2019-2025 and 2025-2026 with over 5,000 miles
2019-2025 and 2025-2026 with over 5,000 miles
2019-2025 and 2025-2026 with over 5,000 miles
Vehicle Age: New & 2 years old; As low as
As low as; All rates subject to change at any time and without notice and vary based on credit worthiness, qualifications, terms and collateral conditions. All loans subject to approval. 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.
APR* as low as: 4.50%
APR* as low as: 4.50%
Credit Grade: A
Credit Grade: A
Credit Grade: A+
Credit Grade: A (650-719)
Credit Grade: A++ (750+)
Credit Grade: A++ (750+)
Credit Grade: A+ 720-749
As low as; Rates subject to change without notice. Please contact OTCU for details.
over $20,000; As Low As
As Low As
As Low As
As Low As
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.
New/Used Cars**
As Low As; 2022 - 2024*
Model Year: 2023 - 2021; Rate includes *: See footnote for details.
Model Year: New - 2024; Rate includes *: See footnote for details.
Model Year: New - 2024; Rate includes *: See footnote for details.
Minimum Loan Amount $7,500
Model Year: New - 2024; Rate includes *: See footnote for details.
As low as
Model Year: 2026/2025/2024/2023
Model Year: 2026/2025/2024/2023
Model Year: 2026/2025/2024/2023
Model Year: 2026/2025/2024/2023
Model Year: 2026/2025/2024/2023
Model Year: 2021
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.
Payment Example per $1,000: $23
As Low As; Payment Example per $1,000: $23
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.
As of January 1, 2026; Model Years: 2024 and Newer; As low as
New Vehicles (Model Years: 2024 and Newer)
As of January 1, 2026; Model Years: 2017-2019; As low as
As of January 1, 2026; Model Years: 2020-2021; As low as
As of January 1, 2026; Model Years: 2022 and Newer; As low as
Used Vehicles (Model Years: 2022 and Newer)
Used Vehicles (Model Years: 2020-2021)
Used Vehicles (Model Years: 2017-2019)
Rates as low as
Additional APR listed for this product: 6.24%, 7.74%, 8.24%. 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 used vehicles, we lend based on the retail value plus options and mileage. For vehicles 7 years and older, we lend based on wholesale values.
As low as
As Low As; Rates may vary based on creditworthiness and loan term.
APR* as low as: 4.75%
APR* as low as: 4.75%
APR* as low as: 4.75%
Credit Grade: A
Credit Grade: A
Credit Grade: A+ (720-749)
Credit Grade: A+ (720-749)
Credit Grade: A++ (750+)
Credit Grade: A 650-719
Credit Grade: A++ 750+
Published rate range: 4.75% - 18%.
over $20,000; As Low As
Model Year: 2023 - 2021; Rate includes *: See footnote for details.
As Low As; APR 4.82%**; $50 processing fee is included in the calculation of the APR.
As low as
Model Year: New - 2024; Rate includes *: See footnote for details.
Minimum Loan Amount $10,000
As low as; **
As low as; **
2024 & Newer
Payment Example per $1,000: $19
As Low As; Payment Example per $1,000: $19
As Low As;
As Low As;
As Low As;
As low as; fixed
Model Year: 2023 - 2021; Rate includes *: See footnote for details.
APR*
APR*
over $15,000; APR*
over $30,000; APR*
APR*
As low as
$25,000; As Low As
over $25,000; As Low As
Published APR range: 4.99% - 15.44%.
As Low As
APR* as low as: 5.00%
APR* as low as: 5.00%
Beacon Score: 725+
2026-2023
Credit Grade: A+
Credit Grade: A (650-719)
Credit Grade: A++ (750+)
Credit Grade: A+ (720-749)
Credit Grade: A++ (750+)
Credit Grade: A 650-719
Credit Grade: A+ 720-749
Credit Rating: A+
As low as
2021-2023
As Low As
As Low As; 4.49%
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.
Buy that new vehicle you've been wanting!
Great rates on used autos too!
2023 or Newer; $75 Loan Processing Fee
2021-2023
As Low As; 4.59%
As Low As; 2022 - 2024*
As Low As; 2025 & Newer
As Low As
As Low As
As Low As
As Low As; 4.69%
Minimum Loan Amount $15,000
As Low As; 3.99% *SPECIAL*
As low as 5.24%
2025 & Newer Model Years - -110% Price/NADA Retail Value
Waynesfield New Auto Auto Loan Rates
Credit Grade: A++ (750+)
Credit Grade: A+ (720-749)
Credit Grade: A++ (750+)
Credit Grade: A+ (720-749)
Credit Grade: A++ (750+)
Credit Grade: A+ (720-749)
Credit Grade: A++ (750+)
Credit Grade: A+ (720-749)
Credit Grade: A++ (750+)
Credit Grade: A (650-719)
As low as
As low as
2025-2026 less than 5,000 miles
2025-2026 less than 5,000 miles
Rates as low as
Rates as low as
Credit Grade: A+
Credit Grade: A+
Credit Grade: A (650-719)
Credit Grade: A+ (720-749)
Term: 36 Months - 63 Months; As Low As
Term: 36 Months - 63 Months; As Low As
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.
2025-2026 less than 5,000 miles
2025-2026 less than 5,000 miles
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.
As low as
Credit Grade: A+
Credit Grade: A (650-719)
As Low As
As low as; **
As low as; **
As low as; **
As low as
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.
Minimum Loan Amount $4,000
2025-2026 less than 5,000 miles
Credit Grade: A
Credit Grade: A
Credit Grade: A+
Credit Grade: A (650-719)
Credit Grade: A++ (750+)
over $20,000; As Low As
As Low As
As Low As
As Low As
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.
New/Used Cars**
Model Year: New - 2024; Rate includes *: See footnote for details.
Model Year: New - 2024; Rate includes *: See footnote for details.
Minimum Loan Amount $7,500
Model Year: New - 2024; Rate includes *: See footnote for details.
As low as
Model Year: 2026/2025/2024/2023
Model Year: 2026/2025/2024/2023
Model Year: 2026/2025/2024/2023
Model Year: 2026/2025/2024/2023
Model Year: 2026/2025/2024/2023
Model Year: 2021
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.
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.
As of January 1, 2026; Model Years: 2024 and Newer; As low as
New Vehicles (Model Years: 2024 and Newer)
Rates as low as
Credit Grade: A
Credit Grade: A
Credit Grade: A+ (720-749)
Published rate range: 4.75% - 18%.
over $20,000; As Low As
As Low As; APR 4.82%**; $50 processing fee is included in the calculation of the APR.
As low as
Model Year: New - 2024; Rate includes *: See footnote for details.
Minimum Loan Amount $10,000
As low as; **
2024 & Newer
As Low As;
As Low As;
As Low As;
As low as; fixed
APR*
As low as
$25,000; As Low As
over $25,000; As Low As
Published APR range: 4.99% - 15.44%.
As Low As
2026-2023
Credit Grade: A+
Credit Grade: A (650-719)
Credit Rating: A+
As low as
As Low As
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.
Buy that new vehicle you've been wanting!
Minimum Loan Amount $15,000
2025 & Newer Model Years - -110% Price/NADA Retail Value
Waynesfield Used Auto Auto Loan Rates
As low as
Credit Grade: A+
Credit Grade: A+
Credit Grade: A+ 720-749
Credit Grade: A++ 750+
Term: 36 Months - 63 Months; As Low As
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.
Credit Grade: A+
Credit Grade: A+ 720-749
Credit Grade: A++ 750+
As low as; **
As low as; **
As low as; **
Minimum Loan Amount $4,000
2019-2025 and 2025-2026 with over 5,000 miles
2019-2025 and 2025-2026 with over 5,000 miles
2019-2025 and 2025-2026 with over 5,000 miles
2019-2025 and 2025-2026 with over 5,000 miles
Credit Grade: A
Credit Grade: A
Credit Grade: A+
Credit Grade: A++ (750+)
Credit Grade: A+ 720-749
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.
New/Used Cars**
Minimum Loan Amount $7,500
As low as
Model Year: 2026/2025/2024/2023
Model Year: 2026/2025/2024/2023
Model Year: 2026/2025/2024/2023
Model Year: 2026/2025/2024/2023
Model Year: 2026/2025/2024/2023
Model Year: 2021
As of January 1, 2026; Model Years: 2017-2019; As low as
As of January 1, 2026; Model Years: 2020-2021; As low as
As of January 1, 2026; Model Years: 2022 and Newer; As low as
Used Vehicles (Model Years: 2022 and Newer)
Used Vehicles (Model Years: 2020-2021)
Used Vehicles (Model Years: 2017-2019)
As low as
Credit Grade: A
Credit Grade: A
Credit Grade: A+ (720-749)
Credit Grade: A++ (750+)
Credit Grade: A 650-719
Credit Grade: A++ 750+
over $20,000; As Low As
As low as
Minimum Loan Amount $10,000
As low as; **
2024 & Newer
As Low As;
As Low As;
As Low As;
over $25,000; As Low As
Credit Grade: A+
Credit Grade: A++ (750+)
Credit Grade: A+ (720-749)
Credit Grade: A++ (750+)
Credit Grade: A 650-719
Credit Grade: A+ 720-749
As low as
2021-2023
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.
2021-2023
As Low As
As Low As
As Low As
Minimum Loan Amount $15,000
Waynesfield, OH Auto Loan Rate Trends
Compare local Waynesfield, OH 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.
Ohio new auto rates rose 0.316 points over the past 7 days to 5.966% APR.
Ohio used auto rates fell 0.136 points over the past 7 days to 6.419% APR.
Waynesfield, OH 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.
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 Waynesfield, Ohio
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Waynesfield, 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.
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.
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.
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.
- Saving up for a bigger down payment: park it in a Waynesfield, 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: Waynesfield, 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 (state-level data shown; city data not available)
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 Waynesfield, 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 Waynesfield, 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.
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 Waynesfield, 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 Waynesfield, 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 Waynesfield, 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 Waynesfield, Ohio
How does my credit score affect my car loan rate in Ohio?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
Should I get preapproved for an auto loan before visiting a dealer in Waynesfield, Ohio?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
What are the best Auto Loan rates in Waynesfield, Ohio?
- 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 Loan)
- Greater Cleveland Community Credit Union: 3.99% (Auto Loans)
Waynesfield, Ohio Rates & Resources
