Ohio Best Auto Loan Rates - August 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
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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 YTR Community Federal Credit UnionYTR Community Federal Credit Union134 3rd St, Tiltonsville, OH, 43963A+5.0 ★Texas Ratio: 0.85% offering New Auto (2022-Newer) at 2.50%, United Federal Credit UnionUnited Federal Credit Union116 Eastlawn Dr, Marion, OH, 43302A+5.0 ★Texas Ratio: 3.13% offering Fixed Rate New & Used Auto Loans - Up to 36 Months at 2.99%, DoverPhila Federal Credit UnionDoverPhila Federal Credit Union119 Fillmore Ave, Dover, OH, 44622 2061A+5.0 ★Texas Ratio: 2.18% offering Auto Loans at 3.25%, Riverview Federal Credit UnionRiverview Federal Credit Union403 Main St, Belpre, OH, 45714 1615A+5.0 ★Texas Ratio: 5.59% offering New Vehicle Loan at 3.74%, Canton School Employees Federal Credit UnionCanton School Employees Federal Credit Union1380 Market Ave N, Canton, OH, 44714 2606A+5.0 ★Texas Ratio: 3.29% offering New Auto Loan at 3.99%. Auto loan rates as of August 28, 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 2.50% APR from YTR Community Federal Credit Union at 134 3rd St, Tiltonsville, OH, 43963. Rates are continually updated — 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: August 28, 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
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
New Auto (2022-Newer)
2.50%
24 Months
▼
APR2.50%
Term24 Months
Last UpdatedAug 28, 2026
Details
Credit Score: A++ 750+
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
New Auto (2022-Newer)
2.75%
24 Months
▼
APR2.75%
Term24 Months
Last UpdatedAug 28, 2026
Details
Credit Score: A+ 720-749
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
116 Eastlawn Dr, Marion, OH, 43302
Fixed Rate New & Used Auto Loans - Up to 36 Months
2.99%
Up to 36 Months
▼
APR2.99%
TermUp to 36 Months
Last UpdatedAug 28, 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.
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
New Auto (2022-Newer)
3.00%
36 Months
▼
APR3.00%
Term36 Months
Last UpdatedAug 28, 2026
Details
Credit Score: A+ 720-749
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
New Auto (2022-Newer)
3.25%
48 Months
▼
APR3.25%
Term48 Months
Last UpdatedAug 28, 2026
Details
Credit Score: A+ 720-749
DoverPhila Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
119 Fillmore Ave, Dover, OH, 44622 2061
Auto Loans
3.25%
730+
▼
APR3.25%
Term730+
Last UpdatedAug 28, 2026
Details
As Low As; Credit Score: 730+; 84-month term only available for auto loans $50k and above. Not all will qualify for lowest rate. All offers subject to credit and collateral qualifications. Some restrictions apply. Rates are not tied to an index and are subject to change at the credit union's discretion. Rates and terms listed effective as of April 1, 2026.
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
116 Eastlawn Dr, Marion, OH, 43302
Fixed Rate New & Used Auto Loans - Up to 48 Months
3.45%
Up to 48 Months
▼
APR3.45%
TermUp to 48 Months
Last UpdatedAug 28, 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.
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
New Auto (2022-Newer)
3.50%
60 Months
▼
APR3.50%
Term60 Months
Last UpdatedAug 28, 2026
Details
Credit Score: A+ 720-749
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2021-2020) - 24 Months
3.50%
24 Months
▼
APR3.50%
Term24 Months
Last UpdatedAug 28, 2026
Details
Credit Score: A++ (750+)
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
116 Eastlawn Dr, Marion, OH, 43302
Fixed Rate New & Used Auto Loans - Up to 60 Months
3.70%
Up to 60 Months
▼
APR3.70%
TermUp to 60 Months
Last UpdatedAug 28, 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.
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
403 Main St, Belpre, OH, 45714 1615
New Vehicle Loan
3.74%
60 Months
▼
APR3.74%
Term60 Months
Last UpdatedAug 28, 2026
Details
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
403 Main St, Belpre, OH, 45714 1615
Vehicle Loans
3.74%
60 months
▼
APR3.74%
Term60 months
Last UpdatedAug 28, 2026
Details
As low as; Loan origination fee: $165.00; Actual rate and terms may vary based on creditworthiness, loan amount, loan term, collateral, and other underwriting factors. Promotion applies to eligible vehicle purchases and refinances from another financial institution. Loans currently financed with Riverview Credit Union are not eligible. Membership eligibility required. Other restrictions may apply. Offer subject to change or cancel without notice.
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
New Auto (2022-Newer)
3.75%
24 Months
▼
APR3.75%
Term24 Months
Last UpdatedAug 28, 2026
Details
Credit Score: A 650-719
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2021-2020) - 24 Months
3.75%
24 Months
▼
APR3.75%
Term24 Months
Last UpdatedAug 28, 2026
Details
Credit Score: A+ (720-749)
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2021-2020) - 36 Months
3.75%
36 Months
▼
APR3.75%
Term36 Months
Last UpdatedAug 28, 2026
Details
Credit Score: A++ (750+)
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
403 Main St, Belpre, OH, 45714 1615
New Vehicle Loan
3.80%
48 Months
▼
APR3.80%
Term48 Months
Last UpdatedAug 28, 2026
Details
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
403 Main St, Belpre, OH, 45714 1615
New Vehicle Loan
3.90%
36 Months
▼
APR3.90%
Term36 Months
Last UpdatedAug 28, 2026
Details
Canton School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
1380 Market Ave N, Canton, OH, 44714 2606
New Auto Loan
3.99%
72 months
▼
APR3.99%
Term72 months
Last UpdatedAug 28, 2026
Details
Sample monthly payment for a loan of $20,000 and a term of 72 months at 3.99% APR would be approximately $312.81. All rates and promotions subject to change without notice. Your actual rate and payment amount may be different as determined by your collateral, term, loan amount and credit qualifications.
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
403 Main St, Belpre, OH, 45714 1615
New Vehicle Loan
3.99%
72 Months
▼
APR3.99%
Term72 Months
Last UpdatedAug 28, 2026
Details
Homeland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.50%
310 Caldwell St, Chillicothe, OH, 45601
Auto Loans
3.99%
Up to 66 Months
▼
APR3.99%
TermUp to 66 Months
Last UpdatedAug 28, 2026
Details
Year: 2025-2026
Greater Cleveland Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.57%
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 UpdatedAug 28, 2026
Details
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.
LAKEVIEW
Institution Rating:
B+4.8 ★ Texas Ratio: 0.59%
2909 State Rd, Ashtabula, OH, 44004
New Auto 2026 (up to 48 months)
3.99%
48 months
▼
APR3.99%
Term48 months
Last UpdatedAug 28, 2026
Details
Rates as low as
LAKEVIEW
Institution Rating:
B+4.8 ★ Texas Ratio: 0.59%
2909 State Rd, Ashtabula, OH, 44004
New Auto 2026 (up to 60 months)
3.99%
60 months
▼
APR3.99%
Term60 months
Last UpdatedAug 28, 2026
Details
Rates as low as
Integrity Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
971 WOOSTER RD W, BARBERTON, OH, 44203
Vehicle Loan
4.00%
Up to 60 months
▼
APR4.00%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
1917 Ridge Ave, Zanesville, OH, 43701 4146
New/Used Vehicles 730+ A+ Loan
4.00%
24 Mo.
▼
APR4.00%
Term24 Mo.
Last UpdatedAug 28, 2026
Details
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
New Auto (2022-Newer)
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedAug 28, 2026
Details
Credit Score: A 650-719
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2021-2020) - 36 Months
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedAug 28, 2026
Details
Credit Score: A+ (720-749)
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2021-2020) - 48 Months
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedAug 28, 2026
Details
Credit Score: A++ (750+)
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
1730 Central Ave, Middletown, OH, 45044 4140
New Vehicle Loan
4.00%
36 Months - 63 Months
▼
APR4.00%
Term36 Months - 63 Months
Last UpdatedAug 28, 2026
Details
As Low As
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
1730 Central Ave, Middletown, OH, 45044 4140
Used Vehicle 2023 or newer Loan
4.00%
36 Months - 63 Months
▼
APR4.00%
Term36 Months - 63 Months
Last UpdatedAug 28, 2026
Details
As Low As
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
403 Main St, Belpre, OH, 45714 1615
New Vehicle Loan
4.10%
24 Months
▼
APR4.10%
Term24 Months
Last UpdatedAug 28, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
7000 Cardinal Pl, Dublin, OH, 43017 1091
Auto Loans
4.14%
0 - 75 Months
▼
APR4.14%
Term0 - 75 Months
Last UpdatedAug 28, 2026
Details
2026 & Newer
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
7000 Cardinal Pl, Dublin, OH, 43017 1091
Auto Loans - 2026 & Newer
4.14%
0 - 75 Months
▼
APR4.14%
Term0 - 75 Months
Last UpdatedAug 28, 2026
Details
As low as
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
116 Eastlawn Dr, Marion, OH, 43302
Fixed Rate New & Used Auto Loans - Up to 72 Months
4.20%
Up to 72 Months
▼
APR4.20%
TermUp to 72 Months
Last UpdatedAug 28, 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.
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
403 Main St, Belpre, OH, 45714 1615
Used Vehicle Loan 4 yrs or newer
4.24%
60 Months
▼
APR4.24%
Term60 Months
Last UpdatedAug 28, 2026
Details
Integrity Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
971 WOOSTER RD W, BARBERTON, OH, 44203
New Vehicles Loan
4.25%
72 months
▼
APR4.25%
Term72 months
Last UpdatedAug 28, 2026
Details
Rates as of April 1, 2026; Newer Models 2023 & Newer - Up to 100% Financing; The rate on this product is currently as low as the quoted APR (Annual Percentage Rate), however all rates for these products are based upon an evaluation of applicant credit. Your actual rate may vary. Rates are subject to change at any time.
Integrity Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
971 WOOSTER RD W, BARBERTON, OH, 44203
Vehicle Loan
4.25%
Up to 72 months
▼
APR4.25%
TermUp to 72 months
Last UpdatedAug 28, 2026
Details
As Low As; *1
All Saints Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
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 UpdatedAug 28, 2026
Details
As Low As; Carfax
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
1917 Ridge Ave, Zanesville, OH, 43701 4146
New/Used Vehicles 730+ A+ Loan
4.25%
48 Mo.
▼
APR4.25%
Term48 Mo.
Last UpdatedAug 28, 2026
Details
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
New Auto (2022-Newer)
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedAug 28, 2026
Details
Credit Score: A 650-719
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2021-2020) - 48 Months
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedAug 28, 2026
Details
Credit Score: A+ (720-749)
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2021-2020) - 60 Months
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedAug 28, 2026
Details
Credit Score: A++ (750+)
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
401 Chillicothe St, Portsmouth, OH, 45662
New Cars and Trucks Loan
4.30%
4 years
▼
APR4.30%
Term4 years
Last UpdatedAug 28, 2026
Details
As low as*
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
401 Chillicothe St, Portsmouth, OH, 45662
Used Cars and Trucks Loan
4.30%
4 years
▼
APR4.30%
Term4 years
Last UpdatedAug 28, 2026
Details
As low as**
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
403 Main St, Belpre, OH, 45714 1615
Used Vehicle Loan 4 yrs or newer
4.31%
48 Months
▼
APR4.31%
Term48 Months
Last UpdatedAug 28, 2026
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
401 Chillicothe St, Portsmouth, OH, 45662
New Cars and Trucks Loan
4.39%
3 years
▼
APR4.39%
Term3 years
Last UpdatedAug 28, 2026
Details
As low as*
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
401 Chillicothe St, Portsmouth, OH, 45662
Used Cars and Trucks Loan
4.39%
3 years
▼
APR4.39%
Term3 years
Last UpdatedAug 28, 2026
Details
As low as**
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
403 Main St, Belpre, OH, 45714 1615
Used Vehicle Loan 4 yrs or newer
4.41%
36 Months
▼
APR4.41%
Term36 Months
Last UpdatedAug 28, 2026
Details
Firestone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
31 Hanna Pkwy, Coventry township, OH, 44319
New Vehicles 2026-2025 Loan
4.49%
42 months
▼
APR4.49%
Term42 months
Last UpdatedAug 28, 2026
Details
Prior Year & Current Year (untitled) Vehicles. Limited to purchase price. Copy of purchase order required. $75,000 limit.
Stark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
3426 Cleveland Ave NW, Canton, OH, 44709 2747
Auto Loans
4.49%
Up to 36 months
▼
APR4.49%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
Vehicle Year: 2020 and newer
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
401 Chillicothe St, Portsmouth, OH, 45662
New Cars and Trucks Loan
4.49%
5 years
▼
APR4.49%
Term5 years
Last UpdatedAug 28, 2026
Details
As low as*
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
401 Chillicothe St, Portsmouth, OH, 45662
Used Cars and Trucks Loan
4.49%
5 years
▼
APR4.49%
Term5 years
Last UpdatedAug 28, 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) - 48 Months
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedAug 28, 2026
Details
As low as
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.43%
136 McMahan Blvd, Marion, OH, 43302
New Auto
4.49%
60 months or less
▼
APR4.49%
Term60 months or less
Last UpdatedAug 28, 2026
Details
Rate assumes loan to value of 100% or less. Not all borrowers will qualify for the lowest interest rate.
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
28543 Oregon Rd, Perrysburg, OH, 43551
Auto Loans - New & Used
4.49%
Up to 39 Months
▼
APR4.49%
TermUp to 39 Months
Last UpdatedAug 28, 2026
Details
Minimum Loan Amount $4,000
PSE Credit Union Inc
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
5255 Regency Dr, Parma, OH, 44129 5453
Auto Loans
4.49%
24 months
▼
APR4.49%
Term24 months
Last UpdatedAug 28, 2026
Details
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.
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
1917 Ridge Ave, Zanesville, OH, 43701 4146
New/Used Vehicles 680 - 729 A Loan
4.50%
24 Mo.
▼
APR4.50%
Term24 Mo.
Last UpdatedAug 28, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
1917 Ridge Ave, Zanesville, OH, 43701 4146
New/Used Vehicles 730+ A+ Loan
4.50%
60 Mo.
▼
APR4.50%
Term60 Mo.
Last UpdatedAug 28, 2026
Details
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
New Auto (2022-Newer)
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedAug 28, 2026
Details
Credit Score: A 650-719
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2019-2017) - A++ 750+
4.50%
24 Months
▼
APR4.50%
Term24 Months
Last UpdatedAug 28, 2026
Details
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2021-2020) - 60 Months
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedAug 28, 2026
Details
Credit Score: A+ (720-749)
Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
2043 E Prospect Rd, Ashtabula, OH, 44004
New Cars & Trucks Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedAug 28, 2026
Details
Ohio Teamsters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
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 UpdatedAug 28, 2026
Details
As Low As
FirstEnergy Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.90%
575 White Pond Dr Ste E, Akron, OH, 44320 1184
New and Used Vehicles Loan
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedAug 28, 2026
Details
New: 100% financing; Used: 100% of NADA Avg. Retail
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
1730 Central Ave, Middletown, OH, 45044 4140
New Vehicle Loan
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedAug 28, 2026
Details
over $20,000; As Low As
Atomic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
711 Beaver Creek Rd, Piketon, OH, 45661
New/Used Cars Loan
4.57%
60*
▼
APR4.57%
Term60*
Last UpdatedAug 28, 2026
Details
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
1835 Sunset Blvd, Steubenville, OH, 43952
New Vehicle Financing
4.59%
36 Months
▼
APR4.59%
Term36 Months
Last UpdatedAug 28, 2026
Details
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
1835 Sunset Blvd, Steubenville, OH, 43952
Used Vehicle Financing
4.59%
36 Months
▼
APR4.59%
Term36 Months
Last UpdatedAug 28, 2026
Details
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
403 Main St, Belpre, OH, 45714 1615
Used Vehicle Loan 4 yrs or newer
4.60%
24 Months
▼
APR4.60%
Term24 Months
Last UpdatedAug 28, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
690 Schrock Rd, Columbus, OH, 43229 1123
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedAug 28, 2026
Details
LCE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.00%
77 N Saint Clair St, Painesville, OH, 44077
2023 - 2021 Auto Loan
4.69%
36 months
▼
APR4.69%
Term36 months
Last UpdatedAug 28, 2026
Details
LCE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.00%
77 N Saint Clair St, Painesville, OH, 44077
New - 2024 Auto Loan
4.69%
36 months
▼
APR4.69%
Term36 months
Last UpdatedAug 28, 2026
Details
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
28543 Oregon Rd, Perrysburg, OH, 43551
Auto Loans - New & Used
4.69%
40 - 64 Months
▼
APR4.69%
Term40 - 64 Months
Last UpdatedAug 28, 2026
Details
Minimum Loan Amount $7,500
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
116 Eastlawn Dr, Marion, OH, 43302
Fixed Rate New & Used Auto Loans - Up to 84 Months
4.70%
Up to 84 Months
▼
APR4.70%
TermUp to 84 Months
Last UpdatedAug 28, 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.
LCE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.00%
77 N Saint Clair St, Painesville, OH, 44077
New - 2024 Auto Loan
4.70%
60 months
▼
APR4.70%
Term60 months
Last UpdatedAug 28, 2026
Details
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.46%
315 Croghan St, Fremont, OH, 43420 3013
New/Used Automobile/Trucks/Vans
4.71%
36 Months
▼
APR4.71%
Term36 Months
Last UpdatedAug 28, 2026
Details
As low as
Members Choice Credit Union Greenville, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
725 PINE ST, GREENVILLE, OH, 45331
Vehicle Loans
4.72%
72 months
▼
APR4.72%
Term72 months
Last UpdatedAug 28, 2026
Details
Vehicles 2019 and newer. Based on a $30,000.00 loan with a $199.00 closing fee. See loan dept. for details. Credit score of 660 or higher required.
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
445 S Main St, Akron, OH, 44311 1056
New and Used Auto Loans
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedAug 28, 2026
Details
Model Year: 2026/2025/2024/2023
Canton School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
1380 Market Ave N, Canton, OH, 44714 2606
New Auto Loan
4.74%
72 months
▼
APR4.74%
Term72 months
Last UpdatedAug 28, 2026
Details
Sample monthly payment for a loan of $20,000 and a term of 72 months at 4.74% APR would be approximately $319.69. All rates and promotions subject to change without notice. Your actual rate and payment amount may be different as determined by your collateral, term, loan amount and credit qualifications.
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
401 Chillicothe St, Portsmouth, OH, 45662
Vehicle Loans
4.74%
6-year
▼
APR4.74%
Term6-year
Last UpdatedAug 28, 2026
Details
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.
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
4140 W Laskey Rd, Toledo, OH, 43623 3758
New Vehicles (Model Years: 2024 and Newer) - Term of 72 months or less Loan
4.74%
72 months or less
▼
APR4.74%
Term72 months or less
Last UpdatedAug 28, 2026
Details
As of January 1, 2026; As low as; New Vehicles (Model Years: 2024 and Newer)
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
4140 W Laskey Rd, Toledo, OH, 43623 3758
Used Vehicles (Model Years: 2017-2019) - Term of 48 months or less Loan
4.74%
48 months or less
▼
APR4.74%
Term48 months or less
Last UpdatedAug 28, 2026
Details
As of January 1, 2026; As low as; Used Vehicles (Model Years: 2017-2019)
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
4140 W Laskey Rd, Toledo, OH, 43623 3758
Used Vehicles (Model Years: 2020-2021) - Term of 60 months or less Loan
4.74%
60 months or less
▼
APR4.74%
Term60 months or less
Last UpdatedAug 28, 2026
Details
As of January 1, 2026; As low as; Used Vehicles (Model Years: 2020-2021)
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
4140 W Laskey Rd, Toledo, OH, 43623 3758
Used Vehicles (Model Years: 2022 and Newer) - Term of 66 months or less Loan
4.74%
66 months or less
▼
APR4.74%
Term66 months or less
Last UpdatedAug 28, 2026
Details
As of January 1, 2026; As low as; Used Vehicles (Model Years: 2022 and Newer)
Eaton Family Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.85%
28954 Chardon Rd, Willoughby Hills, OH, 44092
New Passenger Vehicle Loan
4.74%
Up to 72 months
▼
APR4.74%
TermUp to 72 months
Last UpdatedAug 28, 2026
Details
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. As Low As; Rates subject to change with out notice. Please check with our Loan Department for current information.
Eaton Family Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.85%
28954 Chardon Rd, Willoughby Hills, OH, 44092
New Vehicles & Motorcycles Loan
4.74%
up to 72 months
▼
APR4.74%
Termup to 72 months
Last UpdatedAug 28, 2026
Details
Rates as low as
Friends And Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
46 Federal Ave NW, Massillon, OH, 44647
Auto Loan
4.74%
up to 60 months
▼
APR4.74%
Termup to 60 months
Last UpdatedAug 28, 2026
Details
As Low As; Additional restrictions may apply. This offer applies to vehicle loans 2020 and newer, as well as refinanced vehicle loans from another financial institution. Sample monthly payment of a $12,000 loan for 60 months at 4.74% APR is approximately $229.15. All rates and promotions are subject to change without notice. A processing fee of $220 will be assessed.
Friends And Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
46 Federal Ave NW, Massillon, OH, 44647
Auto Loan 2020 & Newer
4.74%
Up to 60 Months
▼
APR4.74%
TermUp to 60 Months
Last UpdatedAug 28, 2026
Details
As Low As
CAREY POVERELLO
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
201 N Vance St, Carey, OH, 43316 1038
New Vehicle Loan
4.74%
Up to 84 months
▼
APR4.74%
TermUp to 84 months
Last UpdatedAug 28, 2026
Details
CAREY POVERELLO
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
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 UpdatedAug 28, 2026
Details
CME Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.12%
150 E Mound St, Columbus, OH, 43215
Auto Loan
4.75%
Up to 48 months
▼
APR4.75%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
1917 Ridge Ave, Zanesville, OH, 43701 4146
New/Used Vehicles 680 - 729 A Loan
4.75%
48 Mo.
▼
APR4.75%
Term48 Mo.
Last UpdatedAug 28, 2026
Details
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
New Auto (2022-Newer)
4.75%
84 Months
▼
APR4.75%
Term84 Months
Last UpdatedAug 28, 2026
Details
Credit Score: A+ 720-749
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2019-2017) - A+ 720-749
4.75%
24 Months
▼
APR4.75%
Term24 Months
Last UpdatedAug 28, 2026
Details
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2019-2017) - A++ 750+
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedAug 28, 2026
Details
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2021-2020) - 24 Months
4.75%
24 Months
▼
APR4.75%
Term24 Months
Last UpdatedAug 28, 2026
Details
Credit Score: A (650-719)
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2021-2020) - 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedAug 28, 2026
Details
Credit Score: A++ (750+)
Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
2043 E Prospect Rd, Ashtabula, OH, 44004
New Cars & Trucks Loan
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedAug 28, 2026
Details
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
1730 Central Ave, Middletown, OH, 45044 4140
Used Vehicle 2023 or newer Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedAug 28, 2026
Details
over $20,000; As Low As
LCE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.00%
77 N Saint Clair St, Painesville, OH, 44077
2023 - 2021 Auto Loan
4.79%
48 months
▼
APR4.79%
Term48 months
Last UpdatedAug 28, 2026
Details
Cincinnati Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.23%
7420 Kilby Rd, Harrison, OH, 45030
New Vehicle Loan
4.82%
72 Months
▼
APR4.82%
Term72 Months
Last UpdatedAug 28, 2026
Details
As low as; APR is based on financing $25,000 for 60 months. Lowest rate requires a direct deposit in place prior to loan disbursement.
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.46%
315 Croghan St, Fremont, OH, 43420 3013
New/Used Automobile/Trucks/Vans
4.85%
48 Months
▼
APR4.85%
Term48 Months
Last UpdatedAug 28, 2026
Details
As low as
LCE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.00%
77 N Saint Clair St, Painesville, OH, 44077
New - 2024 Auto Loan
4.89%
72 months
▼
APR4.89%
Term72 months
Last UpdatedAug 28, 2026
Details
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
28543 Oregon Rd, Perrysburg, OH, 43551
Auto Loans - New & Used
4.89%
65 - 75 Months
▼
APR4.89%
Term65 - 75 Months
Last UpdatedAug 28, 2026
Details
Minimum Loan Amount $10,000
USX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
539 S Main St, Findlay, OH, 45840
New and Used Vehicles Model years 2026-2025-2024-2023 Up to 48 months Loan
4.89%
Up to 48 months
▼
APR4.89%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details
Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
17526 Madison Ave, Lakewood, OH, 44107
2025 & Newer New Autos
4.93%
up to 72 Months
▼
APR4.93%
Termup to 72 Months
Last UpdatedAug 28, 2026
Details
Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
17526 Madison Ave, Lakewood, OH, 44107
New Autos 2025 & Newer
4.93%
up to 72 Months
▼
APR4.93%
Termup to 72 Months
Last UpdatedAug 28, 2026
Details
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
403 Main St, Belpre, OH, 45714 1615
Used Vehicle Loan 4 yrs or newer
4.95%
72 Months
▼
APR4.95%
Term72 Months
Last UpdatedAug 28, 2026
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
401 Chillicothe St, Portsmouth, OH, 45662
New Cars and Trucks Loan
4.95%
6 years
▼
APR4.95%
Term6 years
Last UpdatedAug 28, 2026
Details
As low as*
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
401 Chillicothe St, Portsmouth, OH, 45662
Used Cars and Trucks Loan
4.95%
6 years
▼
APR4.95%
Term6 years
Last UpdatedAug 28, 2026
Details
As low as**
Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
17526 Madison Ave, Lakewood, OH, 44107
Used Autos 2024 & Newer
4.96%
up to 72 Months
▼
APR4.96%
Termup to 72 Months
Last UpdatedAug 28, 2026
Details
AllWealth Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
6 S 2nd St, Hamilton, OH, 45011 2846
NEW & USED VEHICLE LOANS
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedAug 28, 2026
Details
As Low As
LCE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.00%
77 N Saint Clair St, Painesville, OH, 44077
2023 - 2021 Auto Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedAug 28, 2026
Details
Firestone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
31 Hanna Pkwy, Coventry township, OH, 44319
New Vehicles 2026-2025 Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedAug 28, 2026
Details
Prior Year & Current Year (untitled) Vehicles. Limited to purchase price. Copy of purchase order required. $75,000 limit.
Stark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
3426 Cleveland Ave NW, Canton, OH, 44709 2747
Auto Loans
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details
Vehicle Year: 2020 and newer
University of Toledo Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
5248 Hill Ave, Toledo, OH, 43615 5868
Automobiles
4.99%
Up to 84 Months
▼
APR4.99%
TermUp to 84 Months
Last UpdatedAug 28, 2026
Details
2025-2026(new/untitled)
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) - 66 Months
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedAug 28, 2026
Details
As low as
Sylvania Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
6613 Maplewood Ave, Sylvania, OH, 43560
Auto Loan
4.99%
Up to 72 Months
▼
APR4.99%
TermUp to 72 Months
Last UpdatedAug 28, 2026
Details
Golden Circle Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
4118 Lincoln Way E, Massillon, OH, 44646 3348
Auto Loans (Purchase or Refinance)
4.99%
Contact us for details.
▼
APR4.99%
TermContact us for details.
Last UpdatedAug 28, 2026
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: 5.30%
690 Schrock Rd, Columbus, OH, 43229 1123
Used Auto
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedAug 28, 2026
Details
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
1730 Central Ave, Middletown, OH, 45044 4140
New Vehicle Loan
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedAug 28, 2026
Details
$25,000; As Low As
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
1730 Central Ave, Middletown, OH, 45044 4140
Used Vehicle 2023 or newer Loan
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedAug 28, 2026
Details
over $25,000; As Low As
Friends And Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
46 Federal Ave NW, Massillon, OH, 44647
Auto Loan
4.99%
up to 76 months
▼
APR4.99%
Termup to 76 months
Last UpdatedAug 28, 2026
Details
As Low As; Additional restrictions may apply. This offer applies to vehicle loans 2020 and newer, as well as refinanced vehicle loans from another financial institution. Sample monthly payment of a $12,000 loan for 60 months at 4.74% APR is approximately $229.15. All rates and promotions are subject to change without notice. A processing fee of $220 will be assessed.
Friends And Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
46 Federal Ave NW, Massillon, OH, 44647
Auto Loan 2020 & Newer
4.99%
Up to 76 Months
▼
APR4.99%
TermUp to 76 Months
Last UpdatedAug 28, 2026
Details
As Low As
Wiremens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
5800 State Rd, Parma, OH, 44134
New Vehicle Loan
4.99%
up to 84 months
▼
APR4.99%
Termup to 84 months
Last UpdatedAug 28, 2026
Details
As Low As
Nickel Steel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
1067 s main st, lima, OH, 45804 2043
NEW/NEWER VEHICLES Loan
5.00%
48 months
▼
APR5.00%
Term48 months
Last UpdatedAug 28, 2026
Details
Starting @ 0.01370%
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
1917 Ridge Ave, Zanesville, OH, 43701 4146
New/Used Vehicles 730+ A+ Loan
5.00%
72 Mo.
▼
APR5.00%
Term72 Mo.
Last UpdatedAug 28, 2026
Details
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
New Auto (2022-Newer)
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedAug 28, 2026
Details
Credit Score: A 650-719
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2016 & Older) - A++ 750+
5.00%
24 Months
▼
APR5.00%
Term24 Months
Last UpdatedAug 28, 2026
Details
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2019-2017) - A+ 720-749
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedAug 28, 2026
Details
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2019-2017) - A++ 750+
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedAug 28, 2026
Details
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2021-2020) - 36 Months
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedAug 28, 2026
Details
Credit Score: A (650-719)
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2021-2020) - 72 Months
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedAug 28, 2026
Details
Credit Score: A+ (720-749)
Local Union 392 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
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 UpdatedAug 28, 2026
Details
Credit Rating: A+
Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
2043 E Prospect Rd, Ashtabula, OH, 44004
Used Cars & Trucks Loan
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedAug 28, 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 UpdatedAug 28, 2026
Details
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.46%
315 Croghan St, Fremont, OH, 43420 3013
New/Used Automobile/Trucks/Vans
5.04%
60 Months
▼
APR5.04%
Term60 Months
Last UpdatedAug 28, 2026
Details
As low as
Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
17526 Madison Ave, Lakewood, OH, 44107
Used Autos 2021-2023
5.04%
up to 72 Months
▼
APR5.04%
Termup to 72 Months
Last UpdatedAug 28, 2026
Details
Falls Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.45%
33 Graham Rd, Cuyahoga Falls, OH, 44223
Vehicle Loan
5.04%
24 Months
▼
APR5.04%
Term24 Months
Last UpdatedAug 28, 2026
Details
As Low As; 4.49%
TrueCore Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
215 Deo Dr, newark, OH, 43055 3048
New Autos & Trucks (2025-2026)
5.08%
Up to 60 months
▼
APR5.08%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details
USX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
539 S Main St, Findlay, OH, 45840
New and Used Vehicles Model years 2026-2025-2024-2023 49 to 60 months Loan
5.09%
49 to 60 months
▼
APR5.09%
Term49 to 60 months
Last UpdatedAug 28, 2026
Details
Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
17526 Madison Ave, Lakewood, OH, 44107
Used Autos 2021-2023
5.11%
up to 60 Months
▼
APR5.11%
Termup to 60 Months
Last UpdatedAug 28, 2026
Details
Falls Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.45%
33 Graham Rd, Cuyahoga Falls, OH, 44223
Vehicle Loan
5.12%
36 Months
▼
APR5.12%
Term36 Months
Last UpdatedAug 28, 2026
Details
As Low As; 4.59%
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
690 Schrock Rd, Columbus, OH, 43229 1123
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedAug 28, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
7000 Cardinal Pl, Dublin, OH, 43017 1091
Auto Loans
5.14%
0 - 75 Months
▼
APR5.14%
Term0 - 75 Months
Last UpdatedAug 28, 2026
Details
2023 - 2025*
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
7000 Cardinal Pl, Dublin, OH, 43017 1091
Auto Loans - 2023 - 2025
5.14%
0 - 75 Months
▼
APR5.14%
Term0 - 75 Months
Last UpdatedAug 28, 2026
Details
As low as
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
7000 Cardinal Pl, Dublin, OH, 43017 1091
Auto Loans - 2026 & Newer
5.14%
76 - 84 Months
▼
APR5.14%
Term76 - 84 Months
Last UpdatedAug 28, 2026
Details
As low as
Falls Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.45%
33 Graham Rd, Cuyahoga Falls, OH, 44223
Vehicle Loan
5.15%
48 Months
▼
APR5.15%
Term48 Months
Last UpdatedAug 28, 2026
Details
As Low As; 4.69%
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
1835 Sunset Blvd, Steubenville, OH, 43952
Used Vehicle Financing
5.19%
36 Months
▼
APR5.19%
Term36 Months
Last UpdatedAug 28, 2026
Details
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
28543 Oregon Rd, Perrysburg, OH, 43551
Auto Loans - New & Used
5.19%
76 - 88 Months
▼
APR5.19%
Term76 - 88 Months
Last UpdatedAug 28, 2026
Details
Minimum Loan Amount $15,000
Falls Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.45%
33 Graham Rd, Cuyahoga Falls, OH, 44223
Vehicle Loan
5.19%
60 Months
▼
APR5.19%
Term60 Months
Last UpdatedAug 28, 2026
Details
As Low As; 4.79%
Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.76%
1627 Holland Rd, Maumee, OH, 43537
Bright Auto Loans - 1-75 month term
5.24%
75 Month
▼
APR5.24%
Term75 Month
Last UpdatedAug 28, 2026
Details
As low as
TopMark Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.69%
609 E Main St, Cridersville, OH, 45806
Autos, Vans, Trucks, SUVs, and Motorcycles - 60 Months
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedAug 28, 2026
Details
APR* as low as A+; APR* as low as A; APR* as low as B; APR* as low as C; APR* as low as D; APR* as low as E
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
19775 State Route 739, Marysville, OH, 43040
Used Automobiles (2021 - 2024)
5.24%
66 Months
▼
APR5.24%
Term66 Months
Last UpdatedAug 28, 2026
Details
As Low As
Sylvania Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
6613 Maplewood Ave, Sylvania, OH, 43560
Auto Loan
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedAug 28, 2026
Details
Cleveland Police Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
2301 Payne Ave, Cleveland, OH, 44114
1st Time Car Buyer Program Loan
5.24%
72 months
▼
APR5.24%
Term72 months
Last UpdatedAug 28, 2026
Details
Rates are subject to change at any time without notice. Please call 888-269-2156 for current rates. Qualifications apply.
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
4140 W Laskey Rd, Toledo, OH, 43623 3758
New Vehicles (Model Years: 2024 and Newer) - Term of 73 to 84 months Loan
5.24%
73 to 84 months
▼
APR5.24%
Term73 to 84 months
Last UpdatedAug 28, 2026
Details
As of January 1, 2026; As low as; New Vehicles (Model Years: 2024 and Newer)
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
4140 W Laskey Rd, Toledo, OH, 43623 3758
Used Vehicles (Model Years: 2017-2019) - Term of 49 to 54 months Loan
5.24%
49 to 54 months
▼
APR5.24%
Term49 to 54 months
Last UpdatedAug 28, 2026
Details
As of January 1, 2026; As low as; Used Vehicles (Model Years: 2017-2019)
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
4140 W Laskey Rd, Toledo, OH, 43623 3758
Used Vehicles (Model Years: 2020-2021) - Term of 61 to 66 months Loan
5.24%
61 to 66 months
▼
APR5.24%
Term61 to 66 months
Last UpdatedAug 28, 2026
Details
As of January 1, 2026; As low as; Used Vehicles (Model Years: 2020-2021)
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
4140 W Laskey Rd, Toledo, OH, 43623 3758
Used Vehicles (Model Years: 2022 and Newer) - Term of 67 to 72 months Loan
5.24%
67 to 72 months
▼
APR5.24%
Term67 to 72 months
Last UpdatedAug 28, 2026
Details
As of January 1, 2026; As low as; Used Vehicles (Model Years: 2022 and Newer)
Wright-Patt Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.81%
1506 N Fairfield Rd, Beavercreek, OH, 45432 2737
Auto Loan
5.24%
Up to 84 months
▼
APR5.24%
TermUp to 84 months
Last UpdatedAug 28, 2026
Details
As Low As; Loan amounts up to $7,999 have a maximum term of 63 months. Loan amounts of $8,000 to $17,999 have a maximum term of 75 months. Loan amounts of $18,000 or more have a maximum term of 84 months. Loan terms of 64-75 months require a minimum loan amount of $8,000, and loan terms 76 months or longer require a minimum loan amount of $18,000. Automobiles and motorcycles 2020 or older have a maximum term of 75 months. Automobiles and motorcycles 2021 or newer have a maximum term of 84 months.
Genesis Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.61%
830 Bethesda Dr, Zanesville, OH, 43701 1895
New Cars Loan
5.24%
up to 72 months
▼
APR5.24%
Termup to 72 months
Last UpdatedAug 28, 2026
Details
As low as
Cardinal Credit Union Inc
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
8500 Westport Dr, Mentor, OH, 44060
New Auto/Truck 2025- 2026
5.24%
48 Mo.
▼
APR5.24%
Term48 Mo.
Last UpdatedAug 28, 2026
Details
As Low As; Rate: 5.2400% APR*
Cardinal Credit Union Inc
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
8500 Westport Dr, Mentor, OH, 44060
Used Auto/Truck 2022 - 2025
5.24%
48 Mo.
▼
APR5.24%
Term48 Mo.
Last UpdatedAug 28, 2026
Details
As Low As; Rate: 5.2400% APR*
CLEARVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
127 W 6th St, East Liverpool, OH, 43920 2921
36 Month Auto Loan
5.24%
36 Month
▼
APR5.24%
Term36 Month
Last UpdatedAug 28, 2026
Details
Rates as low as 5.24 % APR
CME Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.12%
150 E Mound St, Columbus, OH, 43215
Auto Loan
5.25%
Up to 60 months
▼
APR5.25%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details
Integrity Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
971 WOOSTER RD W, BARBERTON, OH, 44203
Used Vehicle Loan
5.25%
72 months
▼
APR5.25%
Term72 months
Last UpdatedAug 28, 2026
Details
As Low As; Years: 2022 - 2020
Integrity Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
971 WOOSTER RD W, BARBERTON, OH, 44203
Vehicle Loan
5.25%
72 months
▼
APR5.25%
Term72 months
Last UpdatedAug 28, 2026
Details
As Low As; *1
All Saints Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
5269 E 104th St, Garfield Hts, OH, 44125 2407
New Vehicles (Never Titled) 2025-2026 Loan
5.25%
48-60 months
▼
APR5.25%
Term48-60 months
Last UpdatedAug 28, 2026
Details
As Low As; Carfax
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
1917 Ridge Ave, Zanesville, OH, 43701 4146
New/Used Vehicles 680 - 729 A Loan
5.25%
72 Mo.
▼
APR5.25%
Term72 Mo.
Last UpdatedAug 28, 2026
Details
State Highway Patrol Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
1900 Polaris Pkwy Ste 400, Columbus, OH, 43240 4035
Vehicle Loan
5.25%
Up to 60 Months
▼
APR5.25%
TermUp to 60 Months
Last UpdatedAug 28, 2026
Details
As Low As
State Highway Patrol Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
1900 Polaris Pkwy Ste 400, Columbus, OH, 43240 4035
Vehicle Loan
5.25%
Up to 36 Months (> $3,000)
▼
APR5.25%
TermUp to 36 Months (> $3,000)
Last UpdatedAug 28, 2026
Details
As Low As
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2016 & Older) - A+ 720-749
5.25%
24 Months
▼
APR5.25%
Term24 Months
Last UpdatedAug 28, 2026
Details
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2016 & Older) - A++ 750+
5.25%
36 Months
▼
APR5.25%
Term36 Months
Last UpdatedAug 28, 2026
Details
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2019-2017) - A+ 720-749
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedAug 28, 2026
Details
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2019-2017) - A++ 750+
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedAug 28, 2026
Details
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2021-2020) - 48 Months
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedAug 28, 2026
Details
Credit Score: A (650-719)
Commodore Perry Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
1711 W FREMONT RD, PORT CLINTON, OH, 43452
New and Used Vehicle Loans
5.25%
Up to 35 months
▼
APR5.25%
TermUp to 35 months
Last UpdatedAug 28, 2026
Details
As Low As; Any Year
Local Union 392 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
1228 Central Pkwy Ste 302, Cincinnati, OH, 45202
New Auto Loans 2026 - 2027 6,000 Miles or Less
5.25%
37-48 Months
▼
APR5.25%
Term37-48 Months
Last UpdatedAug 28, 2026
Details
Credit Rating: A+
Homeland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.50%
310 Caldwell St, Chillicothe, OH, 45601
Auto Loans
5.25%
Up to 84 Months
▼
APR5.25%
TermUp to 84 Months
Last UpdatedAug 28, 2026
Details
Year: 2024-2026
Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
2043 E Prospect Rd, Ashtabula, OH, 44004
New Cars & Trucks Loan
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedAug 28, 2026
Details
Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
2043 E Prospect Rd, Ashtabula, OH, 44004
Used Cars & Trucks Loan
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedAug 28, 2026
Details
TrueCore Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
215 Deo Dr, newark, OH, 43055 3048
New Autos & Trucks (2025-2026)
5.28%
61 to 72 Months
▼
APR5.28%
Term61 to 72 Months
Last UpdatedAug 28, 2026
Details
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
1835 Sunset Blvd, Steubenville, OH, 43952
New Vehicle Financing
5.29%
48 Months
▼
APR5.29%
Term48 Months
Last UpdatedAug 28, 2026
Details
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
1835 Sunset Blvd, Steubenville, OH, 43952
Used Vehicle Financing
5.29%
48 Months
▼
APR5.29%
Term48 Months
Last UpdatedAug 28, 2026
Details
USX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
539 S Main St, Findlay, OH, 45840
New and Used Vehicles Model years 2026-2025-2024-2023 61 to 72 months Loan
5.29%
61 to 72 months
▼
APR5.29%
Term61 to 72 months
Last UpdatedAug 28, 2026
Details
Abbey Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.57%
800 Falls Creek Dr, Vandalia, OH, 45377 8600
Vehicle Loan
5.30%
2023 or Newer
▼
APR5.30%
Term2023 or Newer
Last UpdatedAug 28, 2026
Details
Cincinnati Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.23%
7420 Kilby Rd, Harrison, OH, 45030
Used Vehicle Loans (2020 - 2025)
5.32%
60 Months
▼
APR5.32%
Term60 Months
Last UpdatedAug 28, 2026
Details
As low as; APR is based on financing $25,000 for 48 months. Lowest rate requires a direct deposit in place prior to loan disbursement.
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
505 Earl Blvd, Miamisburg, OH, 45342
Vehicle Loan (2023 & newer)
5.32%
48 Month
▼
APR5.32%
Term48 Month
Last UpdatedAug 28, 2026
Details
As Low As
TrueCore Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
215 Deo Dr, newark, OH, 43055 3048
Used Autos & Trucks
5.33%
Up to 60 Months
▼
APR5.33%
TermUp to 60 Months
Last UpdatedAug 28, 2026
Details
Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.59%
8770 N State Route 66, Defiance, OH, 43512 8254
Vehicle Loans
5.34%
61-72 Months
▼
APR5.34%
Term61-72 Months
Last UpdatedAug 28, 2026
Details
100% Financing of J.D. Power Value APR based on $25,000 Loan and $250 fee
Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
17526 Madison Ave, Lakewood, OH, 44107
Used Autos 2019-2020
5.35%
up to 60 Months
▼
APR5.35%
Termup to 60 Months
Last UpdatedAug 28, 2026
Details
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
1835 Sunset Blvd, Steubenville, OH, 43952
New Vehicle Financing
5.39%
60 Months
▼
APR5.39%
Term60 Months
Last UpdatedAug 28, 2026
Details
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
1835 Sunset Blvd, Steubenville, OH, 43952
Used Vehicle Financing
5.39%
60 Months
▼
APR5.39%
Term60 Months
Last UpdatedAug 28, 2026
Details
Kemba Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.93%
8763 Union Centre Blvd, West Chester, OH, 45069
Vehicle Loan (2025-2026)
5.39%
Up to 63 Months
▼
APR5.39%
TermUp to 63 Months
Last UpdatedAug 28, 2026
Details
As Low As;*
Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.59%
8770 N State Route 66, Defiance, OH, 43512 8254
Vehicle Loans
5.40%
60 Months
▼
APR5.40%
Term60 Months
Last UpdatedAug 28, 2026
Details
100% Financing of J.D. Power Value APR based on $25,000 Loan and $250 fee
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
445 S Main St, Akron, OH, 44311 1056
New and Used Auto Loans
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedAug 28, 2026
Details
Model Year: 2019
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
1835 Sunset Blvd, Steubenville, OH, 43952
Used Vehicle Financing
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedAug 28, 2026
Details
Toledo Fire Fighters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.19%
2800 W Laskey Rd, Toledo, OH, 43613 3248
Auto Loan
5.49%
Up to 84 months
▼
APR5.49%
TermUp to 84 months
Last UpdatedAug 28, 2026
Details
As Low As; Over 72 months add 0.5%
Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.76%
1627 Holland Rd, Maumee, OH, 43537
Bright Auto Loans Used (2021-2026) 1-75 month term
5.49%
75 Month
▼
APR5.49%
Term75 Month
Last UpdatedAug 28, 2026
Details
As low as
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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: 0.85%
134 3rd St, Tiltonsville, OH, 43963
New Auto (2022-Newer)
2.50%
24 Months
▼
APR2.50%
Term24 Months
Last UpdatedAug 28, 2026
Details
Credit Score: A++ 750+
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
New Auto (2022-Newer)
2.75%
24 Months
▼
APR2.75%
Term24 Months
Last UpdatedAug 28, 2026
Details
Credit Score: A+ 720-749
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
116 Eastlawn Dr, Marion, OH, 43302
Fixed Rate New & Used Auto Loans - Up to 36 Months
2.99%
Up to 36 Months
▼
APR2.99%
TermUp to 36 Months
Last UpdatedAug 28, 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.
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
New Auto (2022-Newer)
3.00%
36 Months
▼
APR3.00%
Term36 Months
Last UpdatedAug 28, 2026
Details
Credit Score: A+ 720-749
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
New Auto (2022-Newer)
3.25%
48 Months
▼
APR3.25%
Term48 Months
Last UpdatedAug 28, 2026
Details
Credit Score: A+ 720-749
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
116 Eastlawn Dr, Marion, OH, 43302
Fixed Rate New & Used Auto Loans - Up to 48 Months
3.45%
Up to 48 Months
▼
APR3.45%
TermUp to 48 Months
Last UpdatedAug 28, 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.
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
New Auto (2022-Newer)
3.50%
60 Months
▼
APR3.50%
Term60 Months
Last UpdatedAug 28, 2026
Details
Credit Score: A+ 720-749
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
116 Eastlawn Dr, Marion, OH, 43302
Fixed Rate New & Used Auto Loans - Up to 60 Months
3.70%
Up to 60 Months
▼
APR3.70%
TermUp to 60 Months
Last UpdatedAug 28, 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.
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
403 Main St, Belpre, OH, 45714 1615
New Vehicle Loan
3.74%
60 Months
▼
APR3.74%
Term60 Months
Last UpdatedAug 28, 2026
Details
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
New Auto (2022-Newer)
3.75%
24 Months
▼
APR3.75%
Term24 Months
Last UpdatedAug 28, 2026
Details
Credit Score: A 650-719
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
403 Main St, Belpre, OH, 45714 1615
New Vehicle Loan
3.80%
48 Months
▼
APR3.80%
Term48 Months
Last UpdatedAug 28, 2026
Details
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
403 Main St, Belpre, OH, 45714 1615
New Vehicle Loan
3.90%
36 Months
▼
APR3.90%
Term36 Months
Last UpdatedAug 28, 2026
Details
Canton School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
1380 Market Ave N, Canton, OH, 44714 2606
New Auto Loan
3.99%
72 months
▼
APR3.99%
Term72 months
Last UpdatedAug 28, 2026
Details
Sample monthly payment for a loan of $20,000 and a term of 72 months at 3.99% APR would be approximately $312.81. All rates and promotions subject to change without notice. Your actual rate and payment amount may be different as determined by your collateral, term, loan amount and credit qualifications.
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
403 Main St, Belpre, OH, 45714 1615
New Vehicle Loan
3.99%
72 Months
▼
APR3.99%
Term72 Months
Last UpdatedAug 28, 2026
Details
LAKEVIEW
Institution Rating:
B+4.8 ★ Texas Ratio: 0.59%
2909 State Rd, Ashtabula, OH, 44004
New Auto 2026 (up to 48 months)
3.99%
48 months
▼
APR3.99%
Term48 months
Last UpdatedAug 28, 2026
Details
Rates as low as
LAKEVIEW
Institution Rating:
B+4.8 ★ Texas Ratio: 0.59%
2909 State Rd, Ashtabula, OH, 44004
New Auto 2026 (up to 60 months)
3.99%
60 months
▼
APR3.99%
Term60 months
Last UpdatedAug 28, 2026
Details
Rates as low as
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
1917 Ridge Ave, Zanesville, OH, 43701 4146
New/Used Vehicles 730+ A+ Loan
4.00%
24 Mo.
▼
APR4.00%
Term24 Mo.
Last UpdatedAug 28, 2026
Details
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
New Auto (2022-Newer)
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedAug 28, 2026
Details
Credit Score: A 650-719
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
1730 Central Ave, Middletown, OH, 45044 4140
New Vehicle Loan
4.00%
36 Months - 63 Months
▼
APR4.00%
Term36 Months - 63 Months
Last UpdatedAug 28, 2026
Details
As Low As
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
1730 Central Ave, Middletown, OH, 45044 4140
Used Vehicle 2023 or newer Loan
4.00%
36 Months - 63 Months
▼
APR4.00%
Term36 Months - 63 Months
Last UpdatedAug 28, 2026
Details
As Low As
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
403 Main St, Belpre, OH, 45714 1615
New Vehicle Loan
4.10%
24 Months
▼
APR4.10%
Term24 Months
Last UpdatedAug 28, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
7000 Cardinal Pl, Dublin, OH, 43017 1091
Auto Loans - 2026 & Newer
4.14%
0 - 75 Months
▼
APR4.14%
Term0 - 75 Months
Last UpdatedAug 28, 2026
Details
As low as
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
116 Eastlawn Dr, Marion, OH, 43302
Fixed Rate New & Used Auto Loans - Up to 72 Months
4.20%
Up to 72 Months
▼
APR4.20%
TermUp to 72 Months
Last UpdatedAug 28, 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.
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
403 Main St, Belpre, OH, 45714 1615
Used Vehicle Loan 4 yrs or newer
4.24%
60 Months
▼
APR4.24%
Term60 Months
Last UpdatedAug 28, 2026
Details
Integrity Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
971 WOOSTER RD W, BARBERTON, OH, 44203
New Vehicles Loan
4.25%
72 months
▼
APR4.25%
Term72 months
Last UpdatedAug 28, 2026
Details
Rates as of April 1, 2026; Newer Models 2023 & Newer - Up to 100% Financing; The rate on this product is currently as low as the quoted APR (Annual Percentage Rate), however all rates for these products are based upon an evaluation of applicant credit. Your actual rate may vary. Rates are subject to change at any time.
All Saints Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
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 UpdatedAug 28, 2026
Details
As Low As; Carfax
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
1917 Ridge Ave, Zanesville, OH, 43701 4146
New/Used Vehicles 730+ A+ Loan
4.25%
48 Mo.
▼
APR4.25%
Term48 Mo.
Last UpdatedAug 28, 2026
Details
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
New Auto (2022-Newer)
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedAug 28, 2026
Details
Credit Score: A 650-719
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
401 Chillicothe St, Portsmouth, OH, 45662
New Cars and Trucks Loan
4.30%
4 years
▼
APR4.30%
Term4 years
Last UpdatedAug 28, 2026
Details
As low as*
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
403 Main St, Belpre, OH, 45714 1615
Used Vehicle Loan 4 yrs or newer
4.31%
48 Months
▼
APR4.31%
Term48 Months
Last UpdatedAug 28, 2026
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
401 Chillicothe St, Portsmouth, OH, 45662
New Cars and Trucks Loan
4.39%
3 years
▼
APR4.39%
Term3 years
Last UpdatedAug 28, 2026
Details
As low as*
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
403 Main St, Belpre, OH, 45714 1615
Used Vehicle Loan 4 yrs or newer
4.41%
36 Months
▼
APR4.41%
Term36 Months
Last UpdatedAug 28, 2026
Details
Firestone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
31 Hanna Pkwy, Coventry township, OH, 44319
New Vehicles 2026-2025 Loan
4.49%
42 months
▼
APR4.49%
Term42 months
Last UpdatedAug 28, 2026
Details
Prior Year & Current Year (untitled) Vehicles. Limited to purchase price. Copy of purchase order required. $75,000 limit.
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
401 Chillicothe St, Portsmouth, OH, 45662
New Cars and Trucks Loan
4.49%
5 years
▼
APR4.49%
Term5 years
Last UpdatedAug 28, 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) - 48 Months
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedAug 28, 2026
Details
As low as
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.43%
136 McMahan Blvd, Marion, OH, 43302
New Auto
4.49%
60 months or less
▼
APR4.49%
Term60 months or less
Last UpdatedAug 28, 2026
Details
Rate assumes loan to value of 100% or less. Not all borrowers will qualify for the lowest interest rate.
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
28543 Oregon Rd, Perrysburg, OH, 43551
Auto Loans - New & Used
4.49%
Up to 39 Months
▼
APR4.49%
TermUp to 39 Months
Last UpdatedAug 28, 2026
Details
Minimum Loan Amount $4,000
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
1917 Ridge Ave, Zanesville, OH, 43701 4146
New/Used Vehicles 680 - 729 A Loan
4.50%
24 Mo.
▼
APR4.50%
Term24 Mo.
Last UpdatedAug 28, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
1917 Ridge Ave, Zanesville, OH, 43701 4146
New/Used Vehicles 730+ A+ Loan
4.50%
60 Mo.
▼
APR4.50%
Term60 Mo.
Last UpdatedAug 28, 2026
Details
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
New Auto (2022-Newer)
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedAug 28, 2026
Details
Credit Score: A 650-719
Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
2043 E Prospect Rd, Ashtabula, OH, 44004
New Cars & Trucks Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedAug 28, 2026
Details
FirstEnergy Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.90%
575 White Pond Dr Ste E, Akron, OH, 44320 1184
New and Used Vehicles Loan
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedAug 28, 2026
Details
New: 100% financing; Used: 100% of NADA Avg. Retail
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
1730 Central Ave, Middletown, OH, 45044 4140
New Vehicle Loan
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedAug 28, 2026
Details
over $20,000; As Low As
Atomic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
711 Beaver Creek Rd, Piketon, OH, 45661
New/Used Cars Loan
4.57%
60*
▼
APR4.57%
Term60*
Last UpdatedAug 28, 2026
Details
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
1835 Sunset Blvd, Steubenville, OH, 43952
New Vehicle Financing
4.59%
36 Months
▼
APR4.59%
Term36 Months
Last UpdatedAug 28, 2026
Details
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
403 Main St, Belpre, OH, 45714 1615
Used Vehicle Loan 4 yrs or newer
4.60%
24 Months
▼
APR4.60%
Term24 Months
Last UpdatedAug 28, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
690 Schrock Rd, Columbus, OH, 43229 1123
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedAug 28, 2026
Details
LCE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.00%
77 N Saint Clair St, Painesville, OH, 44077
New - 2024 Auto Loan
4.69%
36 months
▼
APR4.69%
Term36 months
Last UpdatedAug 28, 2026
Details
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
28543 Oregon Rd, Perrysburg, OH, 43551
Auto Loans - New & Used
4.69%
40 - 64 Months
▼
APR4.69%
Term40 - 64 Months
Last UpdatedAug 28, 2026
Details
Minimum Loan Amount $7,500
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
116 Eastlawn Dr, Marion, OH, 43302
Fixed Rate New & Used Auto Loans - Up to 84 Months
4.70%
Up to 84 Months
▼
APR4.70%
TermUp to 84 Months
Last UpdatedAug 28, 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.
LCE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.00%
77 N Saint Clair St, Painesville, OH, 44077
New - 2024 Auto Loan
4.70%
60 months
▼
APR4.70%
Term60 months
Last UpdatedAug 28, 2026
Details
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.46%
315 Croghan St, Fremont, OH, 43420 3013
New/Used Automobile/Trucks/Vans
4.71%
36 Months
▼
APR4.71%
Term36 Months
Last UpdatedAug 28, 2026
Details
As low as
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
445 S Main St, Akron, OH, 44311 1056
New and Used Auto Loans
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedAug 28, 2026
Details
Model Year: 2026/2025/2024/2023
Canton School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
1380 Market Ave N, Canton, OH, 44714 2606
New Auto Loan
4.74%
72 months
▼
APR4.74%
Term72 months
Last UpdatedAug 28, 2026
Details
Sample monthly payment for a loan of $20,000 and a term of 72 months at 4.74% APR would be approximately $319.69. All rates and promotions subject to change without notice. Your actual rate and payment amount may be different as determined by your collateral, term, loan amount and credit qualifications.
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
4140 W Laskey Rd, Toledo, OH, 43623 3758
New Vehicles (Model Years: 2024 and Newer) - Term of 72 months or less Loan
4.74%
72 months or less
▼
APR4.74%
Term72 months or less
Last UpdatedAug 28, 2026
Details
As of January 1, 2026; As low as; New Vehicles (Model Years: 2024 and Newer)
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
4140 W Laskey Rd, Toledo, OH, 43623 3758
Used Vehicles (Model Years: 2022 and Newer) - Term of 66 months or less Loan
4.74%
66 months or less
▼
APR4.74%
Term66 months or less
Last UpdatedAug 28, 2026
Details
As of January 1, 2026; As low as; Used Vehicles (Model Years: 2022 and Newer)
Eaton Family Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.85%
28954 Chardon Rd, Willoughby Hills, OH, 44092
New Passenger Vehicle Loan
4.74%
Up to 72 months
▼
APR4.74%
TermUp to 72 months
Last UpdatedAug 28, 2026
Details
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. As Low As; Rates subject to change with out notice. Please check with our Loan Department for current information.
Eaton Family Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.85%
28954 Chardon Rd, Willoughby Hills, OH, 44092
New Vehicles & Motorcycles Loan
4.74%
up to 72 months
▼
APR4.74%
Termup to 72 months
Last UpdatedAug 28, 2026
Details
Rates as low as
Friends And Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
46 Federal Ave NW, Massillon, OH, 44647
Auto Loan 2020 & Newer
4.74%
Up to 60 Months
▼
APR4.74%
TermUp to 60 Months
Last UpdatedAug 28, 2026
Details
As Low As
CAREY POVERELLO
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
201 N Vance St, Carey, OH, 43316 1038
New Vehicle Loan
4.74%
Up to 84 months
▼
APR4.74%
TermUp to 84 months
Last UpdatedAug 28, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
1917 Ridge Ave, Zanesville, OH, 43701 4146
New/Used Vehicles 680 - 729 A Loan
4.75%
48 Mo.
▼
APR4.75%
Term48 Mo.
Last UpdatedAug 28, 2026
Details
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
New Auto (2022-Newer)
4.75%
84 Months
▼
APR4.75%
Term84 Months
Last UpdatedAug 28, 2026
Details
Credit Score: A+ 720-749
Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
2043 E Prospect Rd, Ashtabula, OH, 44004
New Cars & Trucks Loan
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedAug 28, 2026
Details
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
1730 Central Ave, Middletown, OH, 45044 4140
Used Vehicle 2023 or newer Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedAug 28, 2026
Details
over $20,000; As Low As
Cincinnati Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.23%
7420 Kilby Rd, Harrison, OH, 45030
New Vehicle Loan
4.82%
72 Months
▼
APR4.82%
Term72 Months
Last UpdatedAug 28, 2026
Details
As low as; APR is based on financing $25,000 for 60 months. Lowest rate requires a direct deposit in place prior to loan disbursement.
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.46%
315 Croghan St, Fremont, OH, 43420 3013
New/Used Automobile/Trucks/Vans
4.85%
48 Months
▼
APR4.85%
Term48 Months
Last UpdatedAug 28, 2026
Details
As low as
LCE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.00%
77 N Saint Clair St, Painesville, OH, 44077
New - 2024 Auto Loan
4.89%
72 months
▼
APR4.89%
Term72 months
Last UpdatedAug 28, 2026
Details
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
28543 Oregon Rd, Perrysburg, OH, 43551
Auto Loans - New & Used
4.89%
65 - 75 Months
▼
APR4.89%
Term65 - 75 Months
Last UpdatedAug 28, 2026
Details
Minimum Loan Amount $10,000
USX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
539 S Main St, Findlay, OH, 45840
New and Used Vehicles Model years 2026-2025-2024-2023 Up to 48 months Loan
4.89%
Up to 48 months
▼
APR4.89%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details
Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
17526 Madison Ave, Lakewood, OH, 44107
2025 & Newer New Autos
4.93%
up to 72 Months
▼
APR4.93%
Termup to 72 Months
Last UpdatedAug 28, 2026
Details
Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
17526 Madison Ave, Lakewood, OH, 44107
New Autos 2025 & Newer
4.93%
up to 72 Months
▼
APR4.93%
Termup to 72 Months
Last UpdatedAug 28, 2026
Details
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
403 Main St, Belpre, OH, 45714 1615
Used Vehicle Loan 4 yrs or newer
4.95%
72 Months
▼
APR4.95%
Term72 Months
Last UpdatedAug 28, 2026
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
401 Chillicothe St, Portsmouth, OH, 45662
New Cars and Trucks Loan
4.95%
6 years
▼
APR4.95%
Term6 years
Last UpdatedAug 28, 2026
Details
As low as*
Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
17526 Madison Ave, Lakewood, OH, 44107
Used Autos 2024 & Newer
4.96%
up to 72 Months
▼
APR4.96%
Termup to 72 Months
Last UpdatedAug 28, 2026
Details
AllWealth Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
6 S 2nd St, Hamilton, OH, 45011 2846
NEW & USED VEHICLE LOANS
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedAug 28, 2026
Details
As Low As
Firestone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
31 Hanna Pkwy, Coventry township, OH, 44319
New Vehicles 2026-2025 Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedAug 28, 2026
Details
Prior Year & Current Year (untitled) Vehicles. Limited to purchase price. Copy of purchase order required. $75,000 limit.
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) - 66 Months
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedAug 28, 2026
Details
As low as
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
1730 Central Ave, Middletown, OH, 45044 4140
New Vehicle Loan
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedAug 28, 2026
Details
$25,000; As Low As
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
1730 Central Ave, Middletown, OH, 45044 4140
Used Vehicle 2023 or newer Loan
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedAug 28, 2026
Details
over $25,000; As Low As
Friends And Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
46 Federal Ave NW, Massillon, OH, 44647
Auto Loan 2020 & Newer
4.99%
Up to 76 Months
▼
APR4.99%
TermUp to 76 Months
Last UpdatedAug 28, 2026
Details
As Low As
Wiremens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
5800 State Rd, Parma, OH, 44134
New Vehicle Loan
4.99%
up to 84 months
▼
APR4.99%
Termup to 84 months
Last UpdatedAug 28, 2026
Details
As Low As
Nickel Steel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
1067 s main st, lima, OH, 45804 2043
NEW/NEWER VEHICLES Loan
5.00%
48 months
▼
APR5.00%
Term48 months
Last UpdatedAug 28, 2026
Details
Starting @ 0.01370%
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
1917 Ridge Ave, Zanesville, OH, 43701 4146
New/Used Vehicles 730+ A+ Loan
5.00%
72 Mo.
▼
APR5.00%
Term72 Mo.
Last UpdatedAug 28, 2026
Details
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
New Auto (2022-Newer)
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedAug 28, 2026
Details
Credit Score: A 650-719
Local Union 392 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
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 UpdatedAug 28, 2026
Details
Credit Rating: A+
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 UpdatedAug 28, 2026
Details
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.46%
315 Croghan St, Fremont, OH, 43420 3013
New/Used Automobile/Trucks/Vans
5.04%
60 Months
▼
APR5.04%
Term60 Months
Last UpdatedAug 28, 2026
Details
As low as
TrueCore Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
215 Deo Dr, newark, OH, 43055 3048
New Autos & Trucks (2025-2026)
5.08%
Up to 60 months
▼
APR5.08%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details
USX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
539 S Main St, Findlay, OH, 45840
New and Used Vehicles Model years 2026-2025-2024-2023 49 to 60 months Loan
5.09%
49 to 60 months
▼
APR5.09%
Term49 to 60 months
Last UpdatedAug 28, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
690 Schrock Rd, Columbus, OH, 43229 1123
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedAug 28, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
7000 Cardinal Pl, Dublin, OH, 43017 1091
Auto Loans - 2026 & Newer
5.14%
76 - 84 Months
▼
APR5.14%
Term76 - 84 Months
Last UpdatedAug 28, 2026
Details
As low as
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
28543 Oregon Rd, Perrysburg, OH, 43551
Auto Loans - New & Used
5.19%
76 - 88 Months
▼
APR5.19%
Term76 - 88 Months
Last UpdatedAug 28, 2026
Details
Minimum Loan Amount $15,000
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
4140 W Laskey Rd, Toledo, OH, 43623 3758
New Vehicles (Model Years: 2024 and Newer) - Term of 73 to 84 months Loan
5.24%
73 to 84 months
▼
APR5.24%
Term73 to 84 months
Last UpdatedAug 28, 2026
Details
As of January 1, 2026; As low as; New Vehicles (Model Years: 2024 and Newer)
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
4140 W Laskey Rd, Toledo, OH, 43623 3758
Used Vehicles (Model Years: 2022 and Newer) - Term of 67 to 72 months Loan
5.24%
67 to 72 months
▼
APR5.24%
Term67 to 72 months
Last UpdatedAug 28, 2026
Details
As of January 1, 2026; As low as; Used Vehicles (Model Years: 2022 and Newer)
Genesis Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.61%
830 Bethesda Dr, Zanesville, OH, 43701 1895
New Cars Loan
5.24%
up to 72 months
▼
APR5.24%
Termup to 72 months
Last UpdatedAug 28, 2026
Details
As low as
Cardinal Credit Union Inc
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
8500 Westport Dr, Mentor, OH, 44060
New Auto/Truck 2025- 2026
5.24%
48 Mo.
▼
APR5.24%
Term48 Mo.
Last UpdatedAug 28, 2026
Details
As Low As; Rate: 5.2400% APR*
All Saints Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
5269 E 104th St, Garfield Hts, OH, 44125 2407
New Vehicles (Never Titled) 2025-2026 Loan
5.25%
48-60 months
▼
APR5.25%
Term48-60 months
Last UpdatedAug 28, 2026
Details
As Low As; Carfax
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
1917 Ridge Ave, Zanesville, OH, 43701 4146
New/Used Vehicles 680 - 729 A Loan
5.25%
72 Mo.
▼
APR5.25%
Term72 Mo.
Last UpdatedAug 28, 2026
Details
Commodore Perry Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
1711 W FREMONT RD, PORT CLINTON, OH, 43452
New and Used Vehicle Loans
5.25%
Up to 35 months
▼
APR5.25%
TermUp to 35 months
Last UpdatedAug 28, 2026
Details
As Low As; Any Year
Local Union 392 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
1228 Central Pkwy Ste 302, Cincinnati, OH, 45202
New Auto Loans 2026 - 2027 6,000 Miles or Less
5.25%
37-48 Months
▼
APR5.25%
Term37-48 Months
Last UpdatedAug 28, 2026
Details
Credit Rating: A+
Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
2043 E Prospect Rd, Ashtabula, OH, 44004
New Cars & Trucks Loan
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedAug 28, 2026
Details
TrueCore Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
215 Deo Dr, newark, OH, 43055 3048
New Autos & Trucks (2025-2026)
5.28%
61 to 72 Months
▼
APR5.28%
Term61 to 72 Months
Last UpdatedAug 28, 2026
Details
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
1835 Sunset Blvd, Steubenville, OH, 43952
New Vehicle Financing
5.29%
48 Months
▼
APR5.29%
Term48 Months
Last UpdatedAug 28, 2026
Details
USX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
539 S Main St, Findlay, OH, 45840
New and Used Vehicles Model years 2026-2025-2024-2023 61 to 72 months Loan
5.29%
61 to 72 months
▼
APR5.29%
Term61 to 72 months
Last UpdatedAug 28, 2026
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
505 Earl Blvd, Miamisburg, OH, 45342
Vehicle Loan (2023 & newer)
5.32%
48 Month
▼
APR5.32%
Term48 Month
Last UpdatedAug 28, 2026
Details
As Low As
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
1835 Sunset Blvd, Steubenville, OH, 43952
New Vehicle Financing
5.39%
60 Months
▼
APR5.39%
Term60 Months
Last UpdatedAug 28, 2026
Details
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
445 S Main St, Akron, OH, 44311 1056
New and Used Auto Loans
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedAug 28, 2026
Details
Model Year: 2019
Powered by
MonitorBankRates
Ohio Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
116 Eastlawn Dr, Marion, OH, 43302
Fixed Rate New & Used Auto Loans - Up to 36 Months
2.99%
Up to 36 Months
▼
APR2.99%
TermUp to 36 Months
Last UpdatedAug 28, 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.
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
116 Eastlawn Dr, Marion, OH, 43302
Fixed Rate New & Used Auto Loans - Up to 48 Months
3.45%
Up to 48 Months
▼
APR3.45%
TermUp to 48 Months
Last UpdatedAug 28, 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.
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2021-2020) - 24 Months
3.50%
24 Months
▼
APR3.50%
Term24 Months
Last UpdatedAug 28, 2026
Details
Credit Score: A++ (750+)
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
116 Eastlawn Dr, Marion, OH, 43302
Fixed Rate New & Used Auto Loans - Up to 60 Months
3.70%
Up to 60 Months
▼
APR3.70%
TermUp to 60 Months
Last UpdatedAug 28, 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.
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2021-2020) - 24 Months
3.75%
24 Months
▼
APR3.75%
Term24 Months
Last UpdatedAug 28, 2026
Details
Credit Score: A+ (720-749)
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2021-2020) - 36 Months
3.75%
36 Months
▼
APR3.75%
Term36 Months
Last UpdatedAug 28, 2026
Details
Credit Score: A++ (750+)
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
1917 Ridge Ave, Zanesville, OH, 43701 4146
New/Used Vehicles 730+ A+ Loan
4.00%
24 Mo.
▼
APR4.00%
Term24 Mo.
Last UpdatedAug 28, 2026
Details
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2021-2020) - 36 Months
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedAug 28, 2026
Details
Credit Score: A+ (720-749)
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2021-2020) - 48 Months
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedAug 28, 2026
Details
Credit Score: A++ (750+)
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
1730 Central Ave, Middletown, OH, 45044 4140
Used Vehicle 2023 or newer Loan
4.00%
36 Months - 63 Months
▼
APR4.00%
Term36 Months - 63 Months
Last UpdatedAug 28, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
116 Eastlawn Dr, Marion, OH, 43302
Fixed Rate New & Used Auto Loans - Up to 72 Months
4.20%
Up to 72 Months
▼
APR4.20%
TermUp to 72 Months
Last UpdatedAug 28, 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.
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
403 Main St, Belpre, OH, 45714 1615
Used Vehicle Loan 4 yrs or newer
4.24%
60 Months
▼
APR4.24%
Term60 Months
Last UpdatedAug 28, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
1917 Ridge Ave, Zanesville, OH, 43701 4146
New/Used Vehicles 730+ A+ Loan
4.25%
48 Mo.
▼
APR4.25%
Term48 Mo.
Last UpdatedAug 28, 2026
Details
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2021-2020) - 48 Months
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedAug 28, 2026
Details
Credit Score: A+ (720-749)
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2021-2020) - 60 Months
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedAug 28, 2026
Details
Credit Score: A++ (750+)
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
401 Chillicothe St, Portsmouth, OH, 45662
Used Cars and Trucks Loan
4.30%
4 years
▼
APR4.30%
Term4 years
Last UpdatedAug 28, 2026
Details
As low as**
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
403 Main St, Belpre, OH, 45714 1615
Used Vehicle Loan 4 yrs or newer
4.31%
48 Months
▼
APR4.31%
Term48 Months
Last UpdatedAug 28, 2026
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
401 Chillicothe St, Portsmouth, OH, 45662
Used Cars and Trucks Loan
4.39%
3 years
▼
APR4.39%
Term3 years
Last UpdatedAug 28, 2026
Details
As low as**
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
403 Main St, Belpre, OH, 45714 1615
Used Vehicle Loan 4 yrs or newer
4.41%
36 Months
▼
APR4.41%
Term36 Months
Last UpdatedAug 28, 2026
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
401 Chillicothe St, Portsmouth, OH, 45662
Used Cars and Trucks Loan
4.49%
5 years
▼
APR4.49%
Term5 years
Last UpdatedAug 28, 2026
Details
As low as**
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
28543 Oregon Rd, Perrysburg, OH, 43551
Auto Loans - New & Used
4.49%
Up to 39 Months
▼
APR4.49%
TermUp to 39 Months
Last UpdatedAug 28, 2026
Details
Minimum Loan Amount $4,000
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
1917 Ridge Ave, Zanesville, OH, 43701 4146
New/Used Vehicles 680 - 729 A Loan
4.50%
24 Mo.
▼
APR4.50%
Term24 Mo.
Last UpdatedAug 28, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
1917 Ridge Ave, Zanesville, OH, 43701 4146
New/Used Vehicles 730+ A+ Loan
4.50%
60 Mo.
▼
APR4.50%
Term60 Mo.
Last UpdatedAug 28, 2026
Details
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2019-2017) - A++ 750+
4.50%
24 Months
▼
APR4.50%
Term24 Months
Last UpdatedAug 28, 2026
Details
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2021-2020) - 60 Months
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedAug 28, 2026
Details
Credit Score: A+ (720-749)
FirstEnergy Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.90%
575 White Pond Dr Ste E, Akron, OH, 44320 1184
New and Used Vehicles Loan
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedAug 28, 2026
Details
New: 100% financing; Used: 100% of NADA Avg. Retail
Atomic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
711 Beaver Creek Rd, Piketon, OH, 45661
New/Used Cars Loan
4.57%
60*
▼
APR4.57%
Term60*
Last UpdatedAug 28, 2026
Details
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
1835 Sunset Blvd, Steubenville, OH, 43952
Used Vehicle Financing
4.59%
36 Months
▼
APR4.59%
Term36 Months
Last UpdatedAug 28, 2026
Details
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
403 Main St, Belpre, OH, 45714 1615
Used Vehicle Loan 4 yrs or newer
4.60%
24 Months
▼
APR4.60%
Term24 Months
Last UpdatedAug 28, 2026
Details
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
28543 Oregon Rd, Perrysburg, OH, 43551
Auto Loans - New & Used
4.69%
40 - 64 Months
▼
APR4.69%
Term40 - 64 Months
Last UpdatedAug 28, 2026
Details
Minimum Loan Amount $7,500
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
116 Eastlawn Dr, Marion, OH, 43302
Fixed Rate New & Used Auto Loans - Up to 84 Months
4.70%
Up to 84 Months
▼
APR4.70%
TermUp to 84 Months
Last UpdatedAug 28, 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.
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.46%
315 Croghan St, Fremont, OH, 43420 3013
New/Used Automobile/Trucks/Vans
4.71%
36 Months
▼
APR4.71%
Term36 Months
Last UpdatedAug 28, 2026
Details
As low as
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
445 S Main St, Akron, OH, 44311 1056
New and Used Auto Loans
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedAug 28, 2026
Details
Model Year: 2026/2025/2024/2023
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
4140 W Laskey Rd, Toledo, OH, 43623 3758
Used Vehicles (Model Years: 2017-2019) - Term of 48 months or less Loan
4.74%
48 months or less
▼
APR4.74%
Term48 months or less
Last UpdatedAug 28, 2026
Details
As of January 1, 2026; As low as; Used Vehicles (Model Years: 2017-2019)
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
4140 W Laskey Rd, Toledo, OH, 43623 3758
Used Vehicles (Model Years: 2020-2021) - Term of 60 months or less Loan
4.74%
60 months or less
▼
APR4.74%
Term60 months or less
Last UpdatedAug 28, 2026
Details
As of January 1, 2026; As low as; Used Vehicles (Model Years: 2020-2021)
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
4140 W Laskey Rd, Toledo, OH, 43623 3758
Used Vehicles (Model Years: 2022 and Newer) - Term of 66 months or less Loan
4.74%
66 months or less
▼
APR4.74%
Term66 months or less
Last UpdatedAug 28, 2026
Details
As of January 1, 2026; As low as; Used Vehicles (Model Years: 2022 and Newer)
CAREY POVERELLO
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
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 UpdatedAug 28, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
1917 Ridge Ave, Zanesville, OH, 43701 4146
New/Used Vehicles 680 - 729 A Loan
4.75%
48 Mo.
▼
APR4.75%
Term48 Mo.
Last UpdatedAug 28, 2026
Details
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2019-2017) - A+ 720-749
4.75%
24 Months
▼
APR4.75%
Term24 Months
Last UpdatedAug 28, 2026
Details
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2019-2017) - A++ 750+
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedAug 28, 2026
Details
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2021-2020) - 24 Months
4.75%
24 Months
▼
APR4.75%
Term24 Months
Last UpdatedAug 28, 2026
Details
Credit Score: A (650-719)
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2021-2020) - 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedAug 28, 2026
Details
Credit Score: A++ (750+)
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
1730 Central Ave, Middletown, OH, 45044 4140
Used Vehicle 2023 or newer Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedAug 28, 2026
Details
over $20,000; As Low As
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.46%
315 Croghan St, Fremont, OH, 43420 3013
New/Used Automobile/Trucks/Vans
4.85%
48 Months
▼
APR4.85%
Term48 Months
Last UpdatedAug 28, 2026
Details
As low as
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
28543 Oregon Rd, Perrysburg, OH, 43551
Auto Loans - New & Used
4.89%
65 - 75 Months
▼
APR4.89%
Term65 - 75 Months
Last UpdatedAug 28, 2026
Details
Minimum Loan Amount $10,000
USX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
539 S Main St, Findlay, OH, 45840
New and Used Vehicles Model years 2026-2025-2024-2023 Up to 48 months Loan
4.89%
Up to 48 months
▼
APR4.89%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
403 Main St, Belpre, OH, 45714 1615
Used Vehicle Loan 4 yrs or newer
4.95%
72 Months
▼
APR4.95%
Term72 Months
Last UpdatedAug 28, 2026
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
401 Chillicothe St, Portsmouth, OH, 45662
Used Cars and Trucks Loan
4.95%
6 years
▼
APR4.95%
Term6 years
Last UpdatedAug 28, 2026
Details
As low as**
Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
17526 Madison Ave, Lakewood, OH, 44107
Used Autos 2024 & Newer
4.96%
up to 72 Months
▼
APR4.96%
Termup to 72 Months
Last UpdatedAug 28, 2026
Details
AllWealth Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
6 S 2nd St, Hamilton, OH, 45011 2846
NEW & USED VEHICLE LOANS
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedAug 28, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
690 Schrock Rd, Columbus, OH, 43229 1123
Used Auto
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedAug 28, 2026
Details
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
1730 Central Ave, Middletown, OH, 45044 4140
Used Vehicle 2023 or newer Loan
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedAug 28, 2026
Details
over $25,000; As Low As
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
1917 Ridge Ave, Zanesville, OH, 43701 4146
New/Used Vehicles 730+ A+ Loan
5.00%
72 Mo.
▼
APR5.00%
Term72 Mo.
Last UpdatedAug 28, 2026
Details
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2016 & Older) - A++ 750+
5.00%
24 Months
▼
APR5.00%
Term24 Months
Last UpdatedAug 28, 2026
Details
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2019-2017) - A+ 720-749
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedAug 28, 2026
Details
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2019-2017) - A++ 750+
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedAug 28, 2026
Details
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2021-2020) - 36 Months
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedAug 28, 2026
Details
Credit Score: A (650-719)
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2021-2020) - 72 Months
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedAug 28, 2026
Details
Credit Score: A+ (720-749)
Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
2043 E Prospect Rd, Ashtabula, OH, 44004
Used Cars & Trucks Loan
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedAug 28, 2026
Details
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.46%
315 Croghan St, Fremont, OH, 43420 3013
New/Used Automobile/Trucks/Vans
5.04%
60 Months
▼
APR5.04%
Term60 Months
Last UpdatedAug 28, 2026
Details
As low as
Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
17526 Madison Ave, Lakewood, OH, 44107
Used Autos 2021-2023
5.04%
up to 72 Months
▼
APR5.04%
Termup to 72 Months
Last UpdatedAug 28, 2026
Details
USX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
539 S Main St, Findlay, OH, 45840
New and Used Vehicles Model years 2026-2025-2024-2023 49 to 60 months Loan
5.09%
49 to 60 months
▼
APR5.09%
Term49 to 60 months
Last UpdatedAug 28, 2026
Details
Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
17526 Madison Ave, Lakewood, OH, 44107
Used Autos 2021-2023
5.11%
up to 60 Months
▼
APR5.11%
Termup to 60 Months
Last UpdatedAug 28, 2026
Details
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
1835 Sunset Blvd, Steubenville, OH, 43952
Used Vehicle Financing
5.19%
36 Months
▼
APR5.19%
Term36 Months
Last UpdatedAug 28, 2026
Details
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
28543 Oregon Rd, Perrysburg, OH, 43551
Auto Loans - New & Used
5.19%
76 - 88 Months
▼
APR5.19%
Term76 - 88 Months
Last UpdatedAug 28, 2026
Details
Minimum Loan Amount $15,000
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
19775 State Route 739, Marysville, OH, 43040
Used Automobiles (2021 - 2024)
5.24%
66 Months
▼
APR5.24%
Term66 Months
Last UpdatedAug 28, 2026
Details
As Low As
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
4140 W Laskey Rd, Toledo, OH, 43623 3758
Used Vehicles (Model Years: 2017-2019) - Term of 49 to 54 months Loan
5.24%
49 to 54 months
▼
APR5.24%
Term49 to 54 months
Last UpdatedAug 28, 2026
Details
As of January 1, 2026; As low as; Used Vehicles (Model Years: 2017-2019)
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
4140 W Laskey Rd, Toledo, OH, 43623 3758
Used Vehicles (Model Years: 2020-2021) - Term of 61 to 66 months Loan
5.24%
61 to 66 months
▼
APR5.24%
Term61 to 66 months
Last UpdatedAug 28, 2026
Details
As of January 1, 2026; As low as; Used Vehicles (Model Years: 2020-2021)
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
4140 W Laskey Rd, Toledo, OH, 43623 3758
Used Vehicles (Model Years: 2022 and Newer) - Term of 67 to 72 months Loan
5.24%
67 to 72 months
▼
APR5.24%
Term67 to 72 months
Last UpdatedAug 28, 2026
Details
As of January 1, 2026; As low as; Used Vehicles (Model Years: 2022 and Newer)
Cardinal Credit Union Inc
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
8500 Westport Dr, Mentor, OH, 44060
Used Auto/Truck 2022 - 2025
5.24%
48 Mo.
▼
APR5.24%
Term48 Mo.
Last UpdatedAug 28, 2026
Details
As Low As; Rate: 5.2400% APR*
Integrity Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
971 WOOSTER RD W, BARBERTON, OH, 44203
Used Vehicle Loan
5.25%
72 months
▼
APR5.25%
Term72 months
Last UpdatedAug 28, 2026
Details
As Low As; Years: 2022 - 2020
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
1917 Ridge Ave, Zanesville, OH, 43701 4146
New/Used Vehicles 680 - 729 A Loan
5.25%
72 Mo.
▼
APR5.25%
Term72 Mo.
Last UpdatedAug 28, 2026
Details
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2016 & Older) - A+ 720-749
5.25%
24 Months
▼
APR5.25%
Term24 Months
Last UpdatedAug 28, 2026
Details
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2016 & Older) - A++ 750+
5.25%
36 Months
▼
APR5.25%
Term36 Months
Last UpdatedAug 28, 2026
Details
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2019-2017) - A+ 720-749
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedAug 28, 2026
Details
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2019-2017) - A++ 750+
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedAug 28, 2026
Details
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2021-2020) - 48 Months
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedAug 28, 2026
Details
Credit Score: A (650-719)
Commodore Perry Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
1711 W FREMONT RD, PORT CLINTON, OH, 43452
New and Used Vehicle Loans
5.25%
Up to 35 months
▼
APR5.25%
TermUp to 35 months
Last UpdatedAug 28, 2026
Details
As Low As; Any Year
Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
2043 E Prospect Rd, Ashtabula, OH, 44004
Used Cars & Trucks Loan
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedAug 28, 2026
Details
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
1835 Sunset Blvd, Steubenville, OH, 43952
Used Vehicle Financing
5.29%
48 Months
▼
APR5.29%
Term48 Months
Last UpdatedAug 28, 2026
Details
USX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
539 S Main St, Findlay, OH, 45840
New and Used Vehicles Model years 2026-2025-2024-2023 61 to 72 months Loan
5.29%
61 to 72 months
▼
APR5.29%
Term61 to 72 months
Last UpdatedAug 28, 2026
Details
Cincinnati Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.23%
7420 Kilby Rd, Harrison, OH, 45030
Used Vehicle Loans (2020 - 2025)
5.32%
60 Months
▼
APR5.32%
Term60 Months
Last UpdatedAug 28, 2026
Details
As low as; APR is based on financing $25,000 for 48 months. Lowest rate requires a direct deposit in place prior to loan disbursement.
TrueCore Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
215 Deo Dr, newark, OH, 43055 3048
Used Autos & Trucks
5.33%
Up to 60 Months
▼
APR5.33%
TermUp to 60 Months
Last UpdatedAug 28, 2026
Details
Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
17526 Madison Ave, Lakewood, OH, 44107
Used Autos 2019-2020
5.35%
up to 60 Months
▼
APR5.35%
Termup to 60 Months
Last UpdatedAug 28, 2026
Details
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
1835 Sunset Blvd, Steubenville, OH, 43952
Used Vehicle Financing
5.39%
60 Months
▼
APR5.39%
Term60 Months
Last UpdatedAug 28, 2026
Details
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
445 S Main St, Akron, OH, 44311 1056
New and Used Auto Loans
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedAug 28, 2026
Details
Model Year: 2019
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
1835 Sunset Blvd, Steubenville, OH, 43952
Used Vehicle Financing
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedAug 28, 2026
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.76%
1627 Holland Rd, Maumee, OH, 43537
Bright Auto Loans Used (2021-2026) 1-75 month term
5.49%
75 Month
▼
APR5.49%
Term75 Month
Last UpdatedAug 28, 2026
Details
As low as
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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
5.922%
▲ 0.193 vs 7 days ago
Ohio new auto rates rose 0.193 points over the past 7 days to 5.922% APR.
Used Auto Loan — OH Avg
6.491%
▲ 0.266 vs 7 days ago
Ohio used auto rates rose 0.266 points over the past 7 days to 6.491% APR.
As of Aug 29, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
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 @ 5.92% APR OH average | Used Auto @ 6.49% APR OH average | Monthly Difference |
|---|---|---|---|
| $15,000 | $289.45/mo | $293.43/mo | $3.98/mo |
| $25,000 | $482.42/mo | $489.05/mo | $6.63/mo |
| $35,000 | $675.39/mo | $684.67/mo | $9.29/mo |
| $45,000 | $868.35/mo | $880.30/mo | $11.94/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.
About Our Ohio Auto Loan Rate Database
62 Local Lenders Tracked
Banks & Credit Unions
Updated Daily
Our Ohio auto loan tables currently track 62 banks and credit unions offering new and used vehicle financing to borrowers in this market. Every APR is sourced directly from the lender’s own website and re-verified regularly, so the rates you compare here reflect what lenders are actually advertising today — not stale or estimated numbers.
The lowest verified auto loan APR in our Ohio database right now is 2.50% APR from YTR Community Federal Credit Union. Advertised APRs typically assume excellent credit, so use the full rate table above to compare offers across your actual credit tier.
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%
$579/mo
Payment on a $30K / 60-mo Loan
At OH new-auto avg 5.92% APR
A $579 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:
- YTR Community Federal Credit Union: 2.50% (New Auto (2022-Newer))
- United Federal Credit Union: 2.99% (Fixed Rate New & Used Auto Loans - Up to 36 Months)
- DoverPhila Federal Credit Union: 3.25% (Auto Loans)
- Riverview Federal Credit Union: 3.74% (New Vehicle Loan)
- Canton School Employees Federal Credit Union: 3.99% (New Auto Loan)
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: August 28, 2026
Auto Loan Rates by City in Ohio
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