Current auto loan rates in Burbank, Ohio include YTR Community Federal Credit UnionYTR Community Federal Credit UnionA+5.0 ★Texas Ratio: 0.85% offering New Auto (2022-Newer) at 2.50%, United Federal Credit UnionUnited Federal Credit UnionA+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 UnionA+5.0 ★Texas Ratio: 2.18% offering Auto Loans at 3.25%, Riverview Federal Credit UnionRiverview Federal Credit UnionA+5.0 ★Texas Ratio: 5.59% offering New Vehicle Loan at 3.74%, Canton School Employees Federal Credit UnionCanton School Employees Federal Credit UnionA+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.
Burbank borrowers have access to 62 lenders serving the Ohio area, with auto loan rates as low as 2.50% APR from YTR Community Federal Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Burbank, Ohio. Auto Loan Rates Last Updated and Verified: August 28, 2026
Credit Score: A++ 750+
Credit Score: A+ 720-749
Vehicle Model Years: All Years**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
Credit Score: A+ 720-749
Credit Score: A+ 720-749
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.
Vehicle Model Years: All Years**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
Credit Score: A+ 720-749
Credit Score: A++ (750+)
Vehicle Model Years: All Years**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
As low as; 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.
Credit Score: A 650-719
Credit Score: A+ (720-749)
Credit Score: A++ (750+)
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.
Year: 2025-2026
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.
Rates as low as
Rates as low as
Credit Score: A 650-719
Credit Score: A+ (720-749)
Credit Score: A++ (750+)
As Low As
As Low As
2026 & Newer
As low as
Vehicle Model Years: 2020 or Newer**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
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.
As Low As; *1
As Low As; Carfax
Credit Score: A 650-719
Credit Score: A+ (720-749)
Credit Score: A++ (750+)
As low as*
As low as**
As low as*
As low as**
Prior Year & Current Year (untitled) Vehicles. Limited to purchase price. Copy of purchase order required. $75,000 limit.
Vehicle Year: 2020 and newer
As low as*
As low as**
As low as
Rate assumes loan to value of 100% or less. Not all borrowers will qualify for the lowest interest rate.
Minimum Loan Amount $4,000
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.
Credit Score: A 650-719
Credit Score: A+ (720-749)
As Low As
New: 100% financing; Used: 100% of NADA Avg. Retail
over $20,000; As Low As
Minimum Loan Amount $7,500
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.
As low as
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.
Model Year: 2026/2025/2024/2023
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.
Rates, terms, and conditions are subject to change and may vary based on creditworthiness, model, year, term, and loan amount. All loans are subject to approval and not all applicants will qualify for the lowest rate. Rates are based on an A+ credit score, 10% equity in the vehicle, auto deduction from a DESCO Advantage Plus checking account, a current DESCO mortgage, and have a DESCO Credit Card. APR=Annual Percentage Rate; based off a $25,000.00 loan with a $150.00 loan origination fee. Approximate monthly loan payment at 4.74% is $402.08 on a $25,000.00 loan with a 6-year term.
As of January 1, 2026; As low as; New Vehicles (Model Years: 2024 and Newer)
As of January 1, 2026; As low as; Used Vehicles (Model Years: 2017-2019)
As of January 1, 2026; As low as; Used Vehicles (Model Years: 2020-2021)
As of January 1, 2026; As low as; Used Vehicles (Model Years: 2022 and Newer)
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.
Rates as low as
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.
As Low As
Credit Score: A+ 720-749
Credit Score: A (650-719)
Credit Score: A++ (750+)
over $20,000; As Low As
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.
As low as
Minimum Loan Amount $10,000
As low as*
As low as**
As Low As
Prior Year & Current Year (untitled) Vehicles. Limited to purchase price. Copy of purchase order required. $75,000 limit.
Vehicle Year: 2020 and newer
2025-2026(new/untitled)
As low as
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.
$25,000; As Low As
over $25,000; As Low As
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.
As Low As
As Low As
Starting @ 0.01370%
Credit Score: A 650-719
Credit Score: A (650-719)
Credit Score: A+ (720-749)
Credit Rating: A+
As low as
As Low As; 4.49%
As Low As; 4.59%
2023 - 2025*
As low as
As low as
As Low As; 4.69%
Minimum Loan Amount $15,000
As Low As; 4.79%
As low as
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
As Low As
Rates are subject to change at any time without notice. Please call 888-269-2156 for current rates. Qualifications apply.
As of January 1, 2026; As low as; New Vehicles (Model Years: 2024 and Newer)
As of January 1, 2026; As low as; Used Vehicles (Model Years: 2017-2019)
As of January 1, 2026; As low as; Used Vehicles (Model Years: 2020-2021)
As of January 1, 2026; As low as; Used Vehicles (Model Years: 2022 and Newer)
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.
As low as
As Low As; Rate: 5.2400% APR*
As Low As; Rate: 5.2400% APR*
Rates as low as 5.24 % APR
As Low As; Years: 2022 - 2020
As Low As; *1
As Low As; Carfax
As Low As
As Low As
Credit Score: A (650-719)
As Low As; Any Year
Credit Rating: A+
Year: 2024-2026
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.
As Low As
100% Financing of J.D. Power Value APR based on $25,000 Loan and $250 fee
As Low As;*
100% Financing of J.D. Power Value APR based on $25,000 Loan and $250 fee
Model Year: 2019
As Low As; Over 72 months add 0.5%
As low as
Credit Score: A++ 750+
Credit Score: A+ 720-749
Vehicle Model Years: All Years**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
Credit Score: A+ 720-749
Credit Score: A+ 720-749
Vehicle Model Years: All Years**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
Credit Score: A+ 720-749
Vehicle Model Years: All Years**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
Credit Score: A 650-719
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.
Rates as low as
Rates as low as
Credit Score: A 650-719
As Low As
As Low As
As low as
Vehicle Model Years: 2020 or Newer**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
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.
As Low As; Carfax
Credit Score: A 650-719
As low as*
As low as*
Prior Year & Current Year (untitled) Vehicles. Limited to purchase price. Copy of purchase order required. $75,000 limit.
As low as*
As low as
Rate assumes loan to value of 100% or less. Not all borrowers will qualify for the lowest interest rate.
Minimum Loan Amount $4,000
Credit Score: A 650-719
New: 100% financing; Used: 100% of NADA Avg. Retail
over $20,000; As Low As
Minimum Loan Amount $7,500
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.
As low as
Model Year: 2026/2025/2024/2023
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.
As of January 1, 2026; As low as; New Vehicles (Model Years: 2024 and Newer)
As of January 1, 2026; As low as; Used Vehicles (Model Years: 2022 and Newer)
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.
Rates as low as
As Low As
Credit Score: A+ 720-749
over $20,000; As Low As
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.
As low as
Minimum Loan Amount $10,000
As low as*
As Low As
Prior Year & Current Year (untitled) Vehicles. Limited to purchase price. Copy of purchase order required. $75,000 limit.
As low as
$25,000; As Low As
over $25,000; As Low As
As Low As
As Low As
Starting @ 0.01370%
Credit Score: A 650-719
Credit Rating: A+
As low as
As low as
Minimum Loan Amount $15,000
As of January 1, 2026; As low as; New Vehicles (Model Years: 2024 and Newer)
As of January 1, 2026; As low as; Used Vehicles (Model Years: 2022 and Newer)
As low as
As Low As; Rate: 5.2400% APR*
As Low As; Carfax
As Low As; Any Year
Credit Rating: A+
As Low As
Model Year: 2019
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.
Vehicle Model Years: All Years**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
Credit Score: A++ (750+)
Vehicle Model Years: All Years**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
Credit Score: A+ (720-749)
Credit Score: A++ (750+)
Credit Score: A+ (720-749)
Credit Score: A++ (750+)
As Low As
Vehicle Model Years: 2020 or Newer**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
Credit Score: A+ (720-749)
Credit Score: A++ (750+)
As low as**
As low as**
As low as**
Minimum Loan Amount $4,000
Credit Score: A+ (720-749)
New: 100% financing; Used: 100% of NADA Avg. Retail
Minimum Loan Amount $7,500
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.
As low as
Model Year: 2026/2025/2024/2023
As of January 1, 2026; As low as; Used Vehicles (Model Years: 2017-2019)
As of January 1, 2026; As low as; Used Vehicles (Model Years: 2020-2021)
As of January 1, 2026; As low as; Used Vehicles (Model Years: 2022 and Newer)
Credit Score: A (650-719)
Credit Score: A++ (750+)
over $20,000; As Low As
As low as
Minimum Loan Amount $10,000
As low as**
As Low As
over $25,000; As Low As
Credit Score: A (650-719)
Credit Score: A+ (720-749)
As low as
Minimum Loan Amount $15,000
As Low As
As of January 1, 2026; As low as; Used Vehicles (Model Years: 2017-2019)
As of January 1, 2026; As low as; Used Vehicles (Model Years: 2020-2021)
As of January 1, 2026; As low as; Used Vehicles (Model Years: 2022 and Newer)
As Low As; Rate: 5.2400% APR*
As Low As; Years: 2022 - 2020
Credit Score: A (650-719)
As Low As; Any Year
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.
Model Year: 2019
As low as
Compare local Burbank, OH auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Ohio new auto rates rose 0.193 points over the past 7 days to 5.922% APR.
Ohio used auto rates rose 0.266 points over the past 7 days to 6.491% APR.
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.
Our Burbank, 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 Burbank, 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.
A preapproval from a bank or credit union serving Burbank, 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.
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.
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.
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.
Local demographics and economic context for car buyers — Source: U.S. Census Bureau (state-level data shown — city data not available)
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.
An auto loan isn’t the only way to finance a vehicle in Burbank, 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.
Estimate your monthly payment on a new or used vehicle in Burbank, Ohio. We’ve prefilled the APR with today’s OH new-auto average — or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Burbank, 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 Burbank, 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 Burbank, 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.