Cleveland, Ohio Best Auto Loan Rates for November 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Cleveland, Ohio auto loan rates range from 2.50% to 12.99% APR, verified by MonitorBankRates as of November 9, 2026. Current auto loan rates in Cleveland, Ohio include Greater Cleveland Community Credit UnionGreater Cleveland Community Credit Union601 Lakeside Ave E Rm 3, Cleveland, OH, 44114 1015A5.0 ★Texas Ratio: 9.26%Rate verified Nov 8, 2026 offering Auto Loans at 3.99%, Navy Federal Credit UnionNavy Federal Credit Union1240 E 9th St, Cleveland, OH, 44199A5.0 ★Texas Ratio: 8.14%Rate verified Nov 5, 2026 offering MissionAssistTM Auto - New Auto Loan at 4.19%, Faith Community United Credit UnionFaith Community United Credit Union3550 e 93RD ST, cleveland, OH, 44105 1644A5.0 ★Texas Ratio: 6.64%Rate verified Nov 9, 2026 offering New/Used Vehicles, Motorcycles & RV's Loan at 4.49%, Ohio Teamsters Credit UnionOhio Teamsters Credit Union1900 Superior Ave E STE 126, Cleveland, OH, 44114 2128A+5.0 ★Texas Ratio: 0.65%Rate verified Nov 8, 2026 offering Vehicle Loan at 4.50%, Ohio Educational Credit UnionOhio Educational Credit Union2921 Community College Ave, Cleveland, OH, 44115A+5.0 ★Texas Ratio: 1.37%Rate verified Nov 9, 2026 offering New Auto Loan - 2025 & Newer at 5.18%. Auto loan rates as of November 9, 2026 according to verified data from MonitorBankRates.
Cleveland has 13 local institutions in our database, with auto loan rates as low as 3.99% APR from Greater Cleveland Community Credit Union at 601 Lakeside Ave E Rm 3, Cleveland, OH, 44114 1015. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Cleveland, Ohio. Auto Loan Rates Last Updated and Verified: November 9, 2026
Compare Auto Loan Rates Today in Cleveland, Ohio & Surrounding Area
Cleveland Auto Loan Rates
As Low As; Passenger vehicles; Optional loan protection products available
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Refinance; New vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles
- Oct 20, 20264.19%▲ from 3.89%
- Sep 30, 20263.89%first recorded
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
- Oct 31, 20264.44%▲ from 4.09%
- Sep 30, 20264.09%first recorded
Vehicle Age: New & 2 years old; As low as; Motorcycles add 1.50% APR and RV's add 2.00% APR
As Low As; Rates effective 02/11/2026
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
Model Year: 2025 & Newer; Nominal Rate 4.99%; Best APR available only to OHecu members with Tier A+ credit and automated payment from an OHecu account; eligible automobiles titled less than 12 months with less than 15,000 miles
- Oct 19, 20265.18%▼ from 6.31%
- Sep 27, 20266.31%▲ from 6.05%
- Sep 14, 20266.05%first recorded
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
Model Year: 2024 & Newer; Best APR available only to OHecu members with Tier A+ credit and automated payment from an OHecu account
- Oct 14, 20265.21%▼ from 6.31%
- Sep 27, 20266.31%▲ from 6.05%
- Sep 14, 20266.05%first recorded
Model Year: 2024 & Newer
As Low As; 1st Time Car Buyer Program; Qualifications apply; As of 11/01/2026
As Low As; Model Year: 2025-2026
As Low As; Model Year: 2025-2026
As Low As; Standard APR*: 6.25%; Maximum Term in Years: 3; Best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.25%▲ from 4.75%
- Oct 8, 20264.75%first recorded
As Low As; Standard APR*: 6.25%; Maximum Term in Years: 4; Best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.25%▲ from 4.75%
- Oct 8, 20264.75%first recorded
Model Year: 2021-2023; Maximum loan term available only to OHecu members with Tier A+ or A credit; Best APR available only to OHecu members with Tier A+ credit and automated payment from an OHecu account
Model Year: 2021-2023; Maximum loan term available only to OHecu member with Tier A+ or A credit
Model Year: 2021-2023; Best APR available only to OHecu members with Tier A+ credit and automated payment from an OHecu account
- Oct 14, 20265.36%▼ from 6.51%
- Sep 27, 20266.51%▲ from 6.26%
- Sep 14, 20266.26%first recorded
Model Year: 2021-2023
As Low As; Model Year: 2025-2026
As Low As; Model Year: 2022-2025
- Nov 5, 20265.49%▲ from 5.24%
- Sep 14, 20265.24%first recorded
As Low As; Model Year: 2022-2025
- Nov 5, 20265.49%▲ from 5.24%
- Sep 14, 20265.24%first recorded
Vehicle Age: New & 2 years old; As low as; Motorcycles add 1.50% APR and RV's add 2.00% APR
As Low As; Standard APR*: 6.50%; Maximum Term in Years: 5; Best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.50%▲ from 5.00%
- Oct 8, 20265.00%first recorded
As Low As; Auto Rate (APR as low as); 1 APR = Annual Percentage Rate; 0.25% discount for automatic payment from Century Federal checking; $150.00 processing fee applies to all vehicle loans
As Low As; Auto Rate (APR as low as); 1 APR = Annual Percentage Rate; 0.25% discount for automatic payment from Century Federal checking; $150.00 processing fee applies to all vehicle loans
As Low As; Auto Rate (APR as low as); 1 APR = Annual Percentage Rate; 0.25% discount for automatic payment from Century Federal checking; $150.00 processing fee applies to all vehicle loans
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
As Low As; Auto Rate (APR as low as); 1 APR = Annual Percentage Rate; 0.25% discount for automatic payment from Century Federal checking; $150.00 processing fee applies to all vehicle loans
As Low As; Fixed-rate new car loan; 60-month option; as of Nov. 5, 2026; excludes additional BofA Rewards discount up to 0.50%
As Low As; Auto Rate (APR as low as); 1 APR = Annual Percentage Rate; 0.25% discount for automatic payment from Century Federal checking; $150.00 processing fee applies to all vehicle loans
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
Model Year: 2019-2020; Maximum loan term available only to OHecu members with Tier A+ or A credit; Best APR available only to OHecu members with Tier A+ credit and automated payment from an OHecu account
Model Year: 2019-2020; Maximum loan term available only to OHecu member with Tier A+ or A credit
Term: Terms up to 72 months; As Low As; APR is the Annual Percentage Rate; Rate display 60 month term; Rate and term subject to credit approval
As Low As; Standard APR*: 6.75%; Maximum Term in Years: 6; Best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.75%▲ from 5.25%
- Oct 8, 20265.25%first recorded
Model Year: 2019-2020; Best APR available only to OHecu members with Tier A+ credit and automated payment from an OHecu account
- Oct 14, 20265.75%▼ from 6.75%
- Sep 27, 20266.75%▲ from 6.50%
- Sep 14, 20266.50%first recorded
Model Year: 2019-2020
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
As Low As; APR as low as; Rates effective as of 10/28/2026
As Low As; APR as low as; Rates effective as of 10/28/2026
As Low As; Fixed-rate used car loan; 60-month option; as of Nov. 5, 2026; excludes additional BofA Rewards discount up to 0.50%
As Low As; APR as low as; Rates effective as of 10/28/2026
As Low As; APR as low as; Rates effective as of 10/28/2026
As Low As; APR as low as; Rates effective as of 10/28/2026
As Low As; Model Year: 2022-2025
- Nov 5, 20265.99%▲ from 5.74%
- Sep 14, 20265.74%first recorded
Vehicle Age: New & 2 years old; As low as; Motorcycles add 1.50% APR and RV's add 2.00% APR
Vehicle Age: 3-4 years old; As low as; Motorcycles add 1.50% APR and RV's add 2.00% APR
As Low As; APR as low as 5.00%; Maximum relationship discount 1.00%
- Oct 12, 20266.00%▲ from 5.50%
- Oct 8, 20265.50%first recorded
As Low As; APR as low as 5.00%; Maximum relationship discount 1.00%
- Oct 12, 20266.00%▲ from 5.50%
- Oct 8, 20265.50%first recorded
As Low As; Rates effective 02/11/2026
Financing amount: $45,000; For online applicants with an excellent credit history
- Oct 31, 20266.09%▲ from 6.04%
- Oct 26, 20266.04%▼ from 6.24%
- Oct 14, 20266.24%first recorded
Financing amount: $30,000; For online applicants with an excellent credit history
- Oct 26, 20266.09%▼ from 6.29%
- Oct 14, 20266.29%first recorded
APR based on 60 months and $45,000 financing; for online applicants with excellent credit; new car purchase
- Oct 31, 20266.09%▼ from 6.24%
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
APR based on 60 months and $30,000 financing; for online applicants with excellent credit; used car purchase
- Oct 31, 20266.09%▼ from 6.29%
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
Model Year: 2025 & Newer; Nominal Rate 5.99%; Best APR available only to OHecu members with Tier A+ credit and automated payment from an OHecu account; eligible automobiles titled less than 12 months with less than 15,000 miles
Model Year: 2024 & Newer; Best APR available only to OHecu members with Tier A+ credit and automated payment from an OHecu account
Model Year: 2024 & Newer
Term: Terms up to 72 months; As Low As; APR is the Annual Percentage Rate; Rate display 60 month term; Rate and term subject to credit approval
As Low As; APR as low as 5.25%; Maximum relationship discount 1.00%
- Oct 12, 20266.25%▲ from 5.75%
- Oct 8, 20265.75%first recorded
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
For recent college graduates who are employable but do not yet have a job; Model Year: 2025 & Newer (new auto); Effective Date: Monday, October 19th, 2026
- Oct 10, 20266.31%▲ from 6.05%
- Sep 22, 20266.05%first recorded
For recent college graduates who are employable but do not yet have a job; Model Year: 2024 & Newer (used auto); Effective Date: Monday, October 19th, 2026
- Oct 10, 20266.31%▲ from 6.05%
- Sep 22, 20266.05%first recorded
As Low As; Auto Rate (APR as low as); Minimum loan $30,000; 1 APR = Annual Percentage Rate; 0.25% discount for automatic payment from Century Federal checking; $150.00 processing fee applies to all vehicle loans
As Low As; Model Year: 2017-2021
- Nov 5, 20266.49%▲ from 6.24%
- Sep 14, 20266.24%first recorded
As Low As; Model Year: 2017-2021
- Nov 5, 20266.49%▲ from 6.24%
- Sep 14, 20266.24%first recorded
Vehicle Age: New & 2 years old; As low as; Motorcycles add 1.50% APR and RV's add 2.00% APR
Vehicle Age: 3-4 years old; As low as; Motorcycles add 1.50% APR and RV's add 2.00% APR
As Low As; best rates based on approved credit, maximum relationship discount of 1.00%; 0.25% discounts for down payment over 50%, IRA/Share Certificate or other loans over $50,000, repeat customer truck loan in past 5 years; 0.50% discount for active checking with autopay and e-statement
As Low As; best rates based on approved credit, maximum relationship discount of 1.00%; 0.25% discounts for down payment over 50%, IRA/Share Certificate or other loans over $50,000, repeat customer truck loan in past 5 years; 0.50% discount for active checking with autopay and e-statement
As Low As; APR as low as 5.50%; Maximum relationship discount 1.00%
- Oct 12, 20266.50%▲ from 6.00%
- Oct 8, 20266.00%first recorded
For recent college graduates who are employable but do not yet have a job; Model Year: 2021-2023 (used auto); Effective Date: Monday, October 19th, 2026
- Oct 10, 20266.51%▲ from 6.26%
- Sep 22, 20266.26%first recorded
As Low As; APR as low as; Minimum loan $30,000; Rates effective as of 10/28/2026
As Low As; best rates based on approved credit, maximum relationship discount of 1.00%; 0.25% discounts for down payment over 50%, IRA/Share Certificate or other loans over $50,000, repeat customer truck loan in past 5 years; 0.50% discount for active checking with autopay and e-statement
As Low As; APR as low as 5.75%; Maximum relationship discount 1.00%
- Oct 12, 20266.75%▲ from 6.25%
- Oct 8, 20266.25%first recorded
For recent college graduates who are employable but do not yet have a job; Model Year: 2019-2020 (used auto); Effective Date: Monday, October 19th, 2026
- Oct 10, 20266.75%▲ from 6.50%
- Sep 22, 20266.50%first recorded
Model Year: 2017-2018; Best APR available only to OHecu members with Tier A+ credit and automated payment from an OHecu account
- Oct 14, 20266.94%▼ from 7.95%
- Sep 27, 20267.95%▲ from 7.70%
- Sep 14, 20267.70%first recorded
Model Year: 2017-2018
As Low As; Model Year: 2025-2026
As Low As; Model Year: 2017-2021
- Nov 5, 20266.99%▲ from 6.74%
- Sep 14, 20266.74%first recorded
As Low As; best rates based on approved credit, maximum relationship discount of 1.00%; 0.25% discounts for down payment over 50%, IRA/Share Certificate or other loans over $50,000, repeat customer truck loan in past 5 years; 0.50% discount for active checking with autopay and e-statement
As Low As; best rates based on approved credit, maximum relationship discount of 1.00%; 0.25% discounts for down payment over 50%, IRA/Share Certificate or other loans over $50,000, repeat customer truck loan in past 5 years; 0.50% discount for active checking with autopay and e-statement
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
As Low As; Rates as of Nov 05, 2026 ET
As Low As; Rates as of Nov 05, 2026 ET
Vehicle Age: 3-4 years old; As low as; Motorcycles add 1.50% APR and RV's add 2.00% APR
Vehicle Age: 5-6 years old; As low as; Motorcycles add 1.50% APR and RV's add 2.00% APR
As Low As; New Vehicle Loans (0% Down); Can go to 84 months but rate increases 1%
APR*; relationship discounts may apply
- Oct 23, 20267.50%▲ from 6.50%
- Oct 12, 20266.50%first recorded
APR*; relationship discounts may apply
- Oct 23, 20267.50%▲ from 6.50%
- Oct 12, 20266.50%first recorded
As Low As; Advertised APR assumes excellent credit; Minimum loan amount $30,000 for 84-96 months; Terms over 84 months only for vehicles with fewer than 7,500 miles; New vehicles (2025 and newer, under 30,000 miles); Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Minimum loan amount is $30,000 for terms of 85-96 months; Rates as of Nov 05, 2026 ET
APR*; relationship discounts may apply
- Oct 23, 20267.75%▲ from 6.75%
- Oct 12, 20266.75%first recorded
As Low As; Vehicle Year: 2020-2026; Maximum Term: 4 years; Regular APR: 8.750%; Best rates based on approved credit with maximum relationship discount of 1.00%
For recent college graduates who are employable but do not yet have a job; Model Year: 2017-2018 (used auto); Effective Date: Monday, October 19th, 2026
- Oct 10, 20267.95%▲ from 7.70%
- Sep 22, 20267.70%first recorded
Vehicle Age: 5-6 years old; As low as; Motorcycles add 1.50% APR and RV's add 2.00% APR
APR*; relationship discounts may apply
- Oct 23, 20268.00%▲ from 7.00%
- Oct 12, 20267.00%first recorded
Model Year: 2016 & Older; Best APR available only to OHecu members with Tier A+ credit and automated payment from an OHecu account
- Oct 14, 20268.14%▼ from 9.15%
- Sep 27, 20269.15%▲ from 8.90%
- Sep 14, 20268.90%first recorded
Model Year: 2016 & Older
APR*; relationship discounts may apply
- Oct 23, 20268.25%▲ from 7.25%
- Oct 12, 20267.25%first recorded
Vehicle Age: 3-4 years old; As low as; Motorcycles add 1.50% APR and RV's add 2.00% APR
As Low As; Used Vehicle Loans
Vehicle Age: 5-6 years old; As low as; Motorcycles add 1.50% APR and RV's add 2.00% APR
Vehicle Age: 7-8 years old; As low as; Motorcycles add 1.50% APR and RV's add 2.00% APR
For recent college graduates who are employable but do not yet have a job; Model Year: 2016 & Older (used auto); Effective Date: Monday, October 19th, 2026
- Oct 10, 20269.15%▲ from 8.90%
- Sep 22, 20268.90%first recorded
Vehicle Age: 7-8 years old; As low as; Motorcycles add 1.50% APR and RV's add 2.00% APR
As Low As; Rates as of Nov 05, 2026 ET; $25,000 minimum amount financed
As Low As; Rates as of Nov 05, 2026 ET; $25,000 minimum amount financed
As Low As; Rates as of Nov 05, 2026 ET; $30,000 minimum amount financed
Vehicle Age: 7-8 years old; As low as; Motorcycles add 1.50% APR and RV's add 2.00% APR
As Low As; Used Vehicle Loans
Vehicle Age: 9-10 years old; As low as; Motorcycles add 1.50% APR and RV's add 2.00% APR
As Low As; Used Vehicle Loans
Vehicle Age: 9-10 years old; As low as; Motorcycles add 1.50% APR and RV's add 2.00% APR
Credit Grade: A++ (750+)
- Nov 7, 20262.50%▼ from 5.75%
- Nov 3, 20265.75%▲ from 2.50%
- Oct 23, 20262.50%first recorded
Credit Grade: A+ (720-749)
- Nov 7, 20262.75%▼ from 5.75%
- Nov 3, 20265.75%▲ from 2.75%
- Oct 23, 20262.75%first recorded
Credit Grade: A++ (750+)
Credit Grade: A+ (720-749)
Credit Grade: A++ (750+)
Credit Grade: A+ (720-749)
Credit Grade: A++ (750+)
Credit Grade: A+ (720-749)
Credit Grade: A++ (750+)
Credit Grade: A (650-719)
- Nov 7, 20263.75%▼ from 5.75%
- Nov 3, 20265.75%▲ from 3.75%
- Oct 23, 20263.75%first recorded
As Low As; Model Year: 2025 & Newer; Auto Loans
- Oct 14, 20263.84%▲ from 3.64%
- Sep 22, 20263.64%first recorded
As Low As; Model Year: 2025-2026 less than 5,000 miles
- Oct 19, 20263.99%▼ from 4.74%
- Oct 14, 20264.74%▲ from 3.99%
- Sep 14, 20263.99%first recorded
As Low As; Model Year: 2025-2026 less than 5,000 miles
- Oct 19, 20263.99%▼ from 4.74%
- Oct 14, 20264.74%▲ from 3.99%
- Sep 14, 20263.99%first recorded
As Low As; Effective as of October 7, 2026; Rates are for qualified applicants; Higher rates may apply based on credit history
As Low As; Effective as of October 7, 2026; Rates are for qualified applicants; Higher rates may apply based on credit history
Score: 730+; Grade of Paper: A+; Secured Advances
Score: 730+; Grade of Paper: A+; Secured Advances
Credit Grade: A (650-719)
Credit Grade: A+ (720-749)
Credit Tier: A+ 720-749
- Sep 17, 20264.00%▼ from 7.00%
- Sep 14, 20267.00%first recorded
Credit Tier: A++ 750+
- Sep 17, 20264.00%▼ from 5.25%
- Sep 14, 20265.25%first recorded
Term: 36 Months - 63 Months; As Low As
Term: 36 Months - 63 Months; As Low As
Model Year: 2025-2026; APR range: 4.19% - 16.99%
As Low As; Model Year: 2025-2026 less than 5,000 miles
- Oct 19, 20264.24%▼ from 4.74%
- Oct 14, 20264.74%▲ from 4.24%
- Sep 14, 20264.24%first recorded
As Low As; Model Year: 2025-2026 less than 5,000 miles
- Oct 19, 20264.24%▼ from 4.74%
- Oct 14, 20264.74%▲ from 4.24%
- Sep 14, 20264.24%first recorded
Score: 730+; Grade of Paper: A+; Secured Advances
Credit Grade: A (650-719)
Credit Tier: A+ 720-749
- Sep 17, 20264.25%▼ from 5.25%
- Sep 14, 20265.25%first recorded
Credit Tier: A++ 750+
- Sep 17, 20264.25%▼ from 4.50%
- Sep 14, 20264.50%first recorded
APR as low as; Rates effective as of 3/31/2026
As Low As; Model Year: 2025 & Newer; Auto Loans
- Oct 14, 20264.34%▲ from 4.14%
- Sep 22, 20264.14%first recorded
Representative loan amount $50,000 for new vehicles
Representative loan amount $50,000 for new vehicles
As Low As; Rate adjusted according to applicant's credit score
As Low As; New Vehicles (Never Titled) 2025-2026 | Carfax
As Low As; Rates effective 11/1/2026; loan to value of 100% or less; not all borrowers will qualify for the lowest rate
As Low As; Minimum Loan Amount $4,000
As Low As; Model Year: 2025-2026 less than 5,000 miles
- Oct 19, 20264.49%▼ from 5.99%
- Oct 14, 20265.99%▲ from 4.49%
- Sep 14, 20264.49%first recorded
As Low As; Model Year: 2019-2025 and 2025-2026 with over 5,000 miles
- Oct 19, 20264.49%▼ from 4.74%
- Oct 14, 20264.74%▲ from 4.49%
- Sep 14, 20264.49%first recorded
As Low As; Model Year: 2019-2025 and 2025-2026 with over 5,000 miles
- Oct 19, 20264.49%▼ from 4.74%
- Oct 14, 20264.74%▲ from 4.49%
- Sep 14, 20264.49%first recorded
As Low As; Model Year: 2019-2025 and 2025-2026 with over 5,000 miles
- Oct 19, 20264.49%▼ from 4.74%
- Oct 14, 20264.74%▲ from 4.49%
- Sep 14, 20264.49%first recorded
As Low As; Model Year: 2019-2025 and 2025-2026 with over 5,000 miles
- Oct 19, 20264.49%▼ from 4.74%
- Oct 14, 20264.74%▲ from 4.49%
- Sep 14, 20264.49%first recorded
Score: 730+; Grade of Paper: A+; Secured Advances
- Oct 13, 20264.50%▼ from 6.50%
- Sep 17, 20266.50%first recorded
Score: 680 - 729; Grade of Paper: A; Secured Advances
Score: 680 - 729; Grade of Paper: A; Secured Advances
Rate based on 740+ credit score; add .25/.26 if payments made by payroll deduction or ACH; Maximum Term up to 84 months; Maximum Loan 100% of purchase price
- Oct 5, 20264.50%▲ from 4.25%
- Sep 29, 20264.25%first recorded
Credit Grade: A (650-719)
Credit Grade: A++ (750+)
Credit Grade: A++ (750+)
Credit Tier: A+ 720-749
As Low As
As Low As; Collateral: New: 100% financing; Used: 100% of NADA Avg. Retail; Vehicle age: 1-7 years old
As Low As; Collateral: New: 100% financing; Used: 100% of NADA Avg. Retail; Vehicle age: 1-7 years old
As Low As; Collateral: New: 100% financing; Used: 100% of NADA Avg. Retail; Vehicle age: 1-5 years old
over $20,000; As Low As
APR as low as; Rates effective as of 3/31/2026
APR as low as; Rates effective as of 3/31/2026
APR as low as; Rates effective as of 3/31/2026
As Low As; Vehicle Loan; Rate as low as 4.24%, APR as low as 4.544% based on $25,000 loan with $150 origination fee; rates based on A+ credit score, 10% equity, auto deduction from Advantage Plus checking, DESCO mortgage and Desco credit card
- Sep 25, 20264.54%▲ from 4.30%
- Sep 14, 20264.30%first recorded
As Low As; Vehicle Loan; Rate as low as 4.24%, APR as low as 4.544% based on $25,000 loan with $150 origination fee; rates based on A+ credit score, 10% equity, auto deduction from Advantage Plus checking, DESCO mortgage and Desco credit card
- Sep 25, 20264.54%▲ from 4.30%
- Sep 14, 20264.30%first recorded
Maximum term; Minimum Rate 4.24%; APR based on a $20,000.00 loan with a $125.00 Loan Origination Fee, $35.06 VSI Premium and a 60 Month Term
As Low As; 100% Financing; Switch and Save program; $250 cash for switching; Rates effective January 2, 2026; All loans subject to credit approval
As Low As; 4.59% APR is based on 2025-2026 vehicles financed for 36 months; Rates effective 1-2-26; $250 cash for switching from another financial institution (approved vehicle and motorcycle loans, 2018-2026 vehicles); $50 minimum payment
As Low As; Vehicle Loan; Rate as low as 4.24%, APR as low as 4.638% based on $25,000 loan with $150 origination fee; rates based on A+ credit score, 10% equity, auto deduction from Advantage Plus checking, DESCO mortgage and Desco credit card
- Sep 25, 20264.64%▲ from 4.39%
- Sep 14, 20264.39%first recorded
As Low As; Vehicle Loan; Rate as low as 4.24%, APR as low as 4.638% based on $25,000 loan with $150 origination fee; rates based on A+ credit score, 10% equity, auto deduction from Advantage Plus checking, DESCO mortgage and Desco credit card
- Sep 25, 20264.64%▲ from 4.39%
- Sep 14, 20264.39%first recorded
As Low As; APR* (As low as); Rates may vary
- Nov 3, 20264.64%▲ from 4.49%
- Sep 21, 20264.49%first recorded
Representative loan amount $50,000 for new vehicles
Model Year: New-2024
Model Year: New-2024
Cleveland New Auto Auto Loan Rates
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Refinance; New vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles
- Oct 20, 20264.19%▲ from 3.89%
- Sep 30, 20263.89%first recorded
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
- Oct 31, 20264.44%▲ from 4.09%
- Sep 30, 20264.09%first recorded
Vehicle Age: New & 2 years old; As low as; Motorcycles add 1.50% APR and RV's add 2.00% APR
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
Model Year: 2025 & Newer; Nominal Rate 4.99%; Best APR available only to OHecu members with Tier A+ credit and automated payment from an OHecu account; eligible automobiles titled less than 12 months with less than 15,000 miles
- Oct 19, 20265.18%▼ from 6.31%
- Sep 27, 20266.31%▲ from 6.05%
- Sep 14, 20266.05%first recorded
Model Year: 2024 & Newer; Best APR available only to OHecu members with Tier A+ credit and automated payment from an OHecu account
- Oct 14, 20265.21%▼ from 6.31%
- Sep 27, 20266.31%▲ from 6.05%
- Sep 14, 20266.05%first recorded
As Low As; 1st Time Car Buyer Program; Qualifications apply; As of 11/01/2026
As Low As; Model Year: 2025-2026
As Low As; Model Year: 2025-2026
As Low As; Model Year: 2025-2026
Vehicle Age: New & 2 years old; As low as; Motorcycles add 1.50% APR and RV's add 2.00% APR
As Low As; Fixed-rate new car loan; 60-month option; as of Nov. 5, 2026; excludes additional BofA Rewards discount up to 0.50%
Term: Terms up to 72 months; As Low As; APR is the Annual Percentage Rate; Rate display 60 month term; Rate and term subject to credit approval
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
Vehicle Age: New & 2 years old; As low as; Motorcycles add 1.50% APR and RV's add 2.00% APR
Vehicle Age: 3-4 years old; As low as; Motorcycles add 1.50% APR and RV's add 2.00% APR
As Low As; APR as low as 5.00%; Maximum relationship discount 1.00%
- Oct 12, 20266.00%▲ from 5.50%
- Oct 8, 20265.50%first recorded
As Low As; APR as low as 5.00%; Maximum relationship discount 1.00%
- Oct 12, 20266.00%▲ from 5.50%
- Oct 8, 20265.50%first recorded
Financing amount: $45,000; For online applicants with an excellent credit history
- Oct 31, 20266.09%▲ from 6.04%
- Oct 26, 20266.04%▼ from 6.24%
- Oct 14, 20266.24%first recorded
APR based on 60 months and $45,000 financing; for online applicants with excellent credit; new car purchase
- Oct 31, 20266.09%▼ from 6.24%
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
Model Year: 2025 & Newer; Nominal Rate 5.99%; Best APR available only to OHecu members with Tier A+ credit and automated payment from an OHecu account; eligible automobiles titled less than 12 months with less than 15,000 miles
Model Year: 2024 & Newer; Best APR available only to OHecu members with Tier A+ credit and automated payment from an OHecu account
As Low As; APR as low as 5.25%; Maximum relationship discount 1.00%
- Oct 12, 20266.25%▲ from 5.75%
- Oct 8, 20265.75%first recorded
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
For recent college graduates who are employable but do not yet have a job; Model Year: 2025 & Newer (new auto); Effective Date: Monday, October 19th, 2026
- Oct 10, 20266.31%▲ from 6.05%
- Sep 22, 20266.05%first recorded
For recent college graduates who are employable but do not yet have a job; Model Year: 2024 & Newer (used auto); Effective Date: Monday, October 19th, 2026
- Oct 10, 20266.31%▲ from 6.05%
- Sep 22, 20266.05%first recorded
Vehicle Age: New & 2 years old; As low as; Motorcycles add 1.50% APR and RV's add 2.00% APR
Vehicle Age: 3-4 years old; As low as; Motorcycles add 1.50% APR and RV's add 2.00% APR
As Low As; best rates based on approved credit, maximum relationship discount of 1.00%; 0.25% discounts for down payment over 50%, IRA/Share Certificate or other loans over $50,000, repeat customer truck loan in past 5 years; 0.50% discount for active checking with autopay and e-statement
As Low As; best rates based on approved credit, maximum relationship discount of 1.00%; 0.25% discounts for down payment over 50%, IRA/Share Certificate or other loans over $50,000, repeat customer truck loan in past 5 years; 0.50% discount for active checking with autopay and e-statement
As Low As; APR as low as 5.50%; Maximum relationship discount 1.00%
- Oct 12, 20266.50%▲ from 6.00%
- Oct 8, 20266.00%first recorded
As Low As; best rates based on approved credit, maximum relationship discount of 1.00%; 0.25% discounts for down payment over 50%, IRA/Share Certificate or other loans over $50,000, repeat customer truck loan in past 5 years; 0.50% discount for active checking with autopay and e-statement
As Low As; APR as low as 5.75%; Maximum relationship discount 1.00%
- Oct 12, 20266.75%▲ from 6.25%
- Oct 8, 20266.25%first recorded
As Low As; Model Year: 2025-2026
As Low As; best rates based on approved credit, maximum relationship discount of 1.00%; 0.25% discounts for down payment over 50%, IRA/Share Certificate or other loans over $50,000, repeat customer truck loan in past 5 years; 0.50% discount for active checking with autopay and e-statement
As Low As; best rates based on approved credit, maximum relationship discount of 1.00%; 0.25% discounts for down payment over 50%, IRA/Share Certificate or other loans over $50,000, repeat customer truck loan in past 5 years; 0.50% discount for active checking with autopay and e-statement
Vehicle Age: 3-4 years old; As low as; Motorcycles add 1.50% APR and RV's add 2.00% APR
Vehicle Age: 5-6 years old; As low as; Motorcycles add 1.50% APR and RV's add 2.00% APR
As Low As; New Vehicle Loans (0% Down); Can go to 84 months but rate increases 1%
APR*; relationship discounts may apply
- Oct 23, 20267.50%▲ from 6.50%
- Oct 12, 20266.50%first recorded
APR*; relationship discounts may apply
- Oct 23, 20267.50%▲ from 6.50%
- Oct 12, 20266.50%first recorded
As Low As; Advertised APR assumes excellent credit; Minimum loan amount $30,000 for 84-96 months; Terms over 84 months only for vehicles with fewer than 7,500 miles; New vehicles (2025 and newer, under 30,000 miles); Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Minimum loan amount is $30,000 for terms of 85-96 months; Rates as of Nov 05, 2026 ET
APR*; relationship discounts may apply
- Oct 23, 20267.75%▲ from 6.75%
- Oct 12, 20266.75%first recorded
Vehicle Age: 5-6 years old; As low as; Motorcycles add 1.50% APR and RV's add 2.00% APR
APR*; relationship discounts may apply
- Oct 23, 20268.00%▲ from 7.00%
- Oct 12, 20267.00%first recorded
APR*; relationship discounts may apply
- Oct 23, 20268.25%▲ from 7.25%
- Oct 12, 20267.25%first recorded
Vehicle Age: 3-4 years old; As low as; Motorcycles add 1.50% APR and RV's add 2.00% APR
Vehicle Age: 5-6 years old; As low as; Motorcycles add 1.50% APR and RV's add 2.00% APR
Vehicle Age: 7-8 years old; As low as; Motorcycles add 1.50% APR and RV's add 2.00% APR
Vehicle Age: 7-8 years old; As low as; Motorcycles add 1.50% APR and RV's add 2.00% APR
Vehicle Age: 7-8 years old; As low as; Motorcycles add 1.50% APR and RV's add 2.00% APR
Vehicle Age: 9-10 years old; As low as; Motorcycles add 1.50% APR and RV's add 2.00% APR
Vehicle Age: 9-10 years old; As low as; Motorcycles add 1.50% APR and RV's add 2.00% APR
Credit Grade: A++ (750+)
- Nov 7, 20262.50%▼ from 5.75%
- Nov 3, 20265.75%▲ from 2.50%
- Oct 23, 20262.50%first recorded
Credit Grade: A+ (720-749)
- Nov 7, 20262.75%▼ from 5.75%
- Nov 3, 20265.75%▲ from 2.75%
- Oct 23, 20262.75%first recorded
Credit Grade: A++ (750+)
Credit Grade: A+ (720-749)
Credit Grade: A++ (750+)
Credit Grade: A+ (720-749)
Credit Grade: A++ (750+)
Credit Grade: A+ (720-749)
Credit Grade: A++ (750+)
Credit Grade: A (650-719)
- Nov 7, 20263.75%▼ from 5.75%
- Nov 3, 20265.75%▲ from 3.75%
- Oct 23, 20263.75%first recorded
As Low As; Model Year: 2025-2026 less than 5,000 miles
- Oct 19, 20263.99%▼ from 4.74%
- Oct 14, 20264.74%▲ from 3.99%
- Sep 14, 20263.99%first recorded
As Low As; Model Year: 2025-2026 less than 5,000 miles
- Oct 19, 20263.99%▼ from 4.74%
- Oct 14, 20264.74%▲ from 3.99%
- Sep 14, 20263.99%first recorded
As Low As; Effective as of October 7, 2026; Rates are for qualified applicants; Higher rates may apply based on credit history
As Low As; Effective as of October 7, 2026; Rates are for qualified applicants; Higher rates may apply based on credit history
Score: 730+; Grade of Paper: A+; Secured Advances
Score: 730+; Grade of Paper: A+; Secured Advances
Credit Grade: A (650-719)
Credit Grade: A+ (720-749)
Term: 36 Months - 63 Months; As Low As
Term: 36 Months - 63 Months; As Low As
As Low As; Model Year: 2025-2026 less than 5,000 miles
- Oct 19, 20264.24%▼ from 4.74%
- Oct 14, 20264.74%▲ from 4.24%
- Sep 14, 20264.24%first recorded
As Low As; Model Year: 2025-2026 less than 5,000 miles
- Oct 19, 20264.24%▼ from 4.74%
- Oct 14, 20264.74%▲ from 4.24%
- Sep 14, 20264.24%first recorded
Score: 730+; Grade of Paper: A+; Secured Advances
Credit Grade: A (650-719)
APR as low as; Rates effective as of 3/31/2026
Representative loan amount $50,000 for new vehicles
Representative loan amount $50,000 for new vehicles
As Low As; Rate adjusted according to applicant's credit score
As Low As; New Vehicles (Never Titled) 2025-2026 | Carfax
As Low As; Rates effective 11/1/2026; loan to value of 100% or less; not all borrowers will qualify for the lowest rate
As Low As; Minimum Loan Amount $4,000
As Low As; Model Year: 2025-2026 less than 5,000 miles
- Oct 19, 20264.49%▼ from 5.99%
- Oct 14, 20265.99%▲ from 4.49%
- Sep 14, 20264.49%first recorded
Score: 730+; Grade of Paper: A+; Secured Advances
- Oct 13, 20264.50%▼ from 6.50%
- Sep 17, 20266.50%first recorded
Score: 680 - 729; Grade of Paper: A; Secured Advances
Score: 680 - 729; Grade of Paper: A; Secured Advances
Rate based on 740+ credit score; add .25/.26 if payments made by payroll deduction or ACH; Maximum Term up to 84 months; Maximum Loan 100% of purchase price
- Oct 5, 20264.50%▲ from 4.25%
- Sep 29, 20264.25%first recorded
Credit Grade: A (650-719)
Credit Grade: A++ (750+)
As Low As
As Low As; Collateral: New: 100% financing; Used: 100% of NADA Avg. Retail; Vehicle age: 1-7 years old
As Low As; Collateral: New: 100% financing; Used: 100% of NADA Avg. Retail; Vehicle age: 1-7 years old
As Low As; Collateral: New: 100% financing; Used: 100% of NADA Avg. Retail; Vehicle age: 1-5 years old
over $20,000; As Low As
APR as low as; Rates effective as of 3/31/2026
APR as low as; Rates effective as of 3/31/2026
APR as low as; Rates effective as of 3/31/2026
As Low As; Vehicle Loan; Rate as low as 4.24%, APR as low as 4.544% based on $25,000 loan with $150 origination fee; rates based on A+ credit score, 10% equity, auto deduction from Advantage Plus checking, DESCO mortgage and Desco credit card
- Sep 25, 20264.54%▲ from 4.30%
- Sep 14, 20264.30%first recorded
Maximum term; Minimum Rate 4.24%; APR based on a $20,000.00 loan with a $125.00 Loan Origination Fee, $35.06 VSI Premium and a 60 Month Term
As Low As; 100% Financing; Switch and Save program; $250 cash for switching; Rates effective January 2, 2026; All loans subject to credit approval
As Low As; Vehicle Loan; Rate as low as 4.24%, APR as low as 4.638% based on $25,000 loan with $150 origination fee; rates based on A+ credit score, 10% equity, auto deduction from Advantage Plus checking, DESCO mortgage and Desco credit card
- Sep 25, 20264.64%▲ from 4.39%
- Sep 14, 20264.39%first recorded
As Low As; APR* (As low as); Rates may vary
- Nov 3, 20264.64%▲ from 4.49%
- Sep 21, 20264.49%first recorded
Representative loan amount $50,000 for new vehicles
Cleveland Used Auto Auto Loan Rates
Vehicle Age: New & 2 years old; As low as; Motorcycles add 1.50% APR and RV's add 2.00% APR
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
Model Year: 2024 & Newer; Best APR available only to OHecu members with Tier A+ credit and automated payment from an OHecu account
- Oct 14, 20265.21%▼ from 6.31%
- Sep 27, 20266.31%▲ from 6.05%
- Sep 14, 20266.05%first recorded
Model Year: 2024 & Newer
As Low As; 1st Time Car Buyer Program; Qualifications apply; As of 11/01/2026
As Low As; Standard APR*: 6.25%; Maximum Term in Years: 3; Best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.25%▲ from 4.75%
- Oct 8, 20264.75%first recorded
As Low As; Standard APR*: 6.25%; Maximum Term in Years: 4; Best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.25%▲ from 4.75%
- Oct 8, 20264.75%first recorded
Model Year: 2021-2023; Maximum loan term available only to OHecu members with Tier A+ or A credit; Best APR available only to OHecu members with Tier A+ credit and automated payment from an OHecu account
Model Year: 2021-2023; Maximum loan term available only to OHecu member with Tier A+ or A credit
Model Year: 2021-2023; Best APR available only to OHecu members with Tier A+ credit and automated payment from an OHecu account
- Oct 14, 20265.36%▼ from 6.51%
- Sep 27, 20266.51%▲ from 6.26%
- Sep 14, 20266.26%first recorded
Model Year: 2021-2023
As Low As; Model Year: 2022-2025
- Nov 5, 20265.49%▲ from 5.24%
- Sep 14, 20265.24%first recorded
As Low As; Model Year: 2022-2025
- Nov 5, 20265.49%▲ from 5.24%
- Sep 14, 20265.24%first recorded
Vehicle Age: New & 2 years old; As low as; Motorcycles add 1.50% APR and RV's add 2.00% APR
As Low As; Standard APR*: 6.50%; Maximum Term in Years: 5; Best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.50%▲ from 5.00%
- Oct 8, 20265.00%first recorded
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
Model Year: 2019-2020; Maximum loan term available only to OHecu members with Tier A+ or A credit; Best APR available only to OHecu members with Tier A+ credit and automated payment from an OHecu account
Model Year: 2019-2020; Maximum loan term available only to OHecu member with Tier A+ or A credit
As Low As; Standard APR*: 6.75%; Maximum Term in Years: 6; Best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.75%▲ from 5.25%
- Oct 8, 20265.25%first recorded
Model Year: 2019-2020; Best APR available only to OHecu members with Tier A+ credit and automated payment from an OHecu account
- Oct 14, 20265.75%▼ from 6.75%
- Sep 27, 20266.75%▲ from 6.50%
- Sep 14, 20266.50%first recorded
Model Year: 2019-2020
As Low As; Fixed-rate used car loan; 60-month option; as of Nov. 5, 2026; excludes additional BofA Rewards discount up to 0.50%
As Low As; Model Year: 2022-2025
- Nov 5, 20265.99%▲ from 5.74%
- Sep 14, 20265.74%first recorded
Vehicle Age: New & 2 years old; As low as; Motorcycles add 1.50% APR and RV's add 2.00% APR
Vehicle Age: 3-4 years old; As low as; Motorcycles add 1.50% APR and RV's add 2.00% APR
Financing amount: $30,000; For online applicants with an excellent credit history
- Oct 26, 20266.09%▼ from 6.29%
- Oct 14, 20266.29%first recorded
APR based on 60 months and $30,000 financing; for online applicants with excellent credit; used car purchase
- Oct 31, 20266.09%▼ from 6.29%
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
Model Year: 2024 & Newer; Best APR available only to OHecu members with Tier A+ credit and automated payment from an OHecu account
Model Year: 2024 & Newer
Term: Terms up to 72 months; As Low As; APR is the Annual Percentage Rate; Rate display 60 month term; Rate and term subject to credit approval
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
For recent college graduates who are employable but do not yet have a job; Model Year: 2024 & Newer (used auto); Effective Date: Monday, October 19th, 2026
- Oct 10, 20266.31%▲ from 6.05%
- Sep 22, 20266.05%first recorded
As Low As; Model Year: 2017-2021
- Nov 5, 20266.49%▲ from 6.24%
- Sep 14, 20266.24%first recorded
As Low As; Model Year: 2017-2021
- Nov 5, 20266.49%▲ from 6.24%
- Sep 14, 20266.24%first recorded
Vehicle Age: New & 2 years old; As low as; Motorcycles add 1.50% APR and RV's add 2.00% APR
Vehicle Age: 3-4 years old; As low as; Motorcycles add 1.50% APR and RV's add 2.00% APR
For recent college graduates who are employable but do not yet have a job; Model Year: 2021-2023 (used auto); Effective Date: Monday, October 19th, 2026
- Oct 10, 20266.51%▲ from 6.26%
- Sep 22, 20266.26%first recorded
For recent college graduates who are employable but do not yet have a job; Model Year: 2019-2020 (used auto); Effective Date: Monday, October 19th, 2026
- Oct 10, 20266.75%▲ from 6.50%
- Sep 22, 20266.50%first recorded
Model Year: 2017-2018; Best APR available only to OHecu members with Tier A+ credit and automated payment from an OHecu account
- Oct 14, 20266.94%▼ from 7.95%
- Sep 27, 20267.95%▲ from 7.70%
- Sep 14, 20267.70%first recorded
Model Year: 2017-2018
As Low As; Model Year: 2017-2021
- Nov 5, 20266.99%▲ from 6.74%
- Sep 14, 20266.74%first recorded
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
Vehicle Age: 3-4 years old; As low as; Motorcycles add 1.50% APR and RV's add 2.00% APR
Vehicle Age: 5-6 years old; As low as; Motorcycles add 1.50% APR and RV's add 2.00% APR
As Low As; Vehicle Year: 2020-2026; Maximum Term: 4 years; Regular APR: 8.750%; Best rates based on approved credit with maximum relationship discount of 1.00%
For recent college graduates who are employable but do not yet have a job; Model Year: 2017-2018 (used auto); Effective Date: Monday, October 19th, 2026
- Oct 10, 20267.95%▲ from 7.70%
- Sep 22, 20267.70%first recorded
Vehicle Age: 5-6 years old; As low as; Motorcycles add 1.50% APR and RV's add 2.00% APR
Model Year: 2016 & Older; Best APR available only to OHecu members with Tier A+ credit and automated payment from an OHecu account
- Oct 14, 20268.14%▼ from 9.15%
- Sep 27, 20269.15%▲ from 8.90%
- Sep 14, 20268.90%first recorded
Model Year: 2016 & Older
Vehicle Age: 3-4 years old; As low as; Motorcycles add 1.50% APR and RV's add 2.00% APR
As Low As; Used Vehicle Loans
Vehicle Age: 5-6 years old; As low as; Motorcycles add 1.50% APR and RV's add 2.00% APR
Vehicle Age: 7-8 years old; As low as; Motorcycles add 1.50% APR and RV's add 2.00% APR
For recent college graduates who are employable but do not yet have a job; Model Year: 2016 & Older (used auto); Effective Date: Monday, October 19th, 2026
- Oct 10, 20269.15%▲ from 8.90%
- Sep 22, 20268.90%first recorded
Vehicle Age: 7-8 years old; As low as; Motorcycles add 1.50% APR and RV's add 2.00% APR
Vehicle Age: 7-8 years old; As low as; Motorcycles add 1.50% APR and RV's add 2.00% APR
As Low As; Used Vehicle Loans
Vehicle Age: 9-10 years old; As low as; Motorcycles add 1.50% APR and RV's add 2.00% APR
As Low As; Used Vehicle Loans
Vehicle Age: 9-10 years old; As low as; Motorcycles add 1.50% APR and RV's add 2.00% APR
Score: 730+; Grade of Paper: A+; Secured Advances
Score: 730+; Grade of Paper: A+; Secured Advances
Credit Tier: A+ 720-749
- Sep 17, 20264.00%▼ from 7.00%
- Sep 14, 20267.00%first recorded
Credit Tier: A++ 750+
- Sep 17, 20264.00%▼ from 5.25%
- Sep 14, 20265.25%first recorded
Term: 36 Months - 63 Months; As Low As
Score: 730+; Grade of Paper: A+; Secured Advances
Credit Tier: A+ 720-749
- Sep 17, 20264.25%▼ from 5.25%
- Sep 14, 20265.25%first recorded
Credit Tier: A++ 750+
- Sep 17, 20264.25%▼ from 4.50%
- Sep 14, 20264.50%first recorded
As Low As; Minimum Loan Amount $4,000
As Low As; Model Year: 2019-2025 and 2025-2026 with over 5,000 miles
- Oct 19, 20264.49%▼ from 4.74%
- Oct 14, 20264.74%▲ from 4.49%
- Sep 14, 20264.49%first recorded
As Low As; Model Year: 2019-2025 and 2025-2026 with over 5,000 miles
- Oct 19, 20264.49%▼ from 4.74%
- Oct 14, 20264.74%▲ from 4.49%
- Sep 14, 20264.49%first recorded
As Low As; Model Year: 2019-2025 and 2025-2026 with over 5,000 miles
- Oct 19, 20264.49%▼ from 4.74%
- Oct 14, 20264.74%▲ from 4.49%
- Sep 14, 20264.49%first recorded
As Low As; Model Year: 2019-2025 and 2025-2026 with over 5,000 miles
- Oct 19, 20264.49%▼ from 4.74%
- Oct 14, 20264.74%▲ from 4.49%
- Sep 14, 20264.49%first recorded
Score: 730+; Grade of Paper: A+; Secured Advances
- Oct 13, 20264.50%▼ from 6.50%
- Sep 17, 20266.50%first recorded
Score: 680 - 729; Grade of Paper: A; Secured Advances
Score: 680 - 729; Grade of Paper: A; Secured Advances
Credit Grade: A++ (750+)
Credit Tier: A+ 720-749
As Low As; Collateral: New: 100% financing; Used: 100% of NADA Avg. Retail; Vehicle age: 1-7 years old
As Low As; Collateral: New: 100% financing; Used: 100% of NADA Avg. Retail; Vehicle age: 1-7 years old
As Low As; Collateral: New: 100% financing; Used: 100% of NADA Avg. Retail; Vehicle age: 1-5 years old
As Low As; Vehicle Loan; Rate as low as 4.24%, APR as low as 4.544% based on $25,000 loan with $150 origination fee; rates based on A+ credit score, 10% equity, auto deduction from Advantage Plus checking, DESCO mortgage and Desco credit card
- Sep 25, 20264.54%▲ from 4.30%
- Sep 14, 20264.30%first recorded
Maximum term; Minimum Rate 4.24%; APR based on a $20,000.00 loan with a $125.00 Loan Origination Fee, $35.06 VSI Premium and a 60 Month Term
As Low As; Vehicle Loan; Rate as low as 4.24%, APR as low as 4.638% based on $25,000 loan with $150 origination fee; rates based on A+ credit score, 10% equity, auto deduction from Advantage Plus checking, DESCO mortgage and Desco credit card
- Sep 25, 20264.64%▲ from 4.39%
- Sep 14, 20264.39%first recorded
Cleveland, OH Auto Loan Rate Trends
Compare local Cleveland, 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 0.037 points over the past 7 days to 5.471% APR.
Ohio used auto rates rose 0.011 points over the past 7 days to 6.162% APR.
Cleveland, OH Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Ohio figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Ohio APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.47% APR OH average | Used Auto @ 6.16% APR OH average | Monthly Difference |
|---|---|---|---|
| $15,000 | $286.31/mo | $291.12/mo | $4.81/mo |
| $25,000 | $477.19/mo | $485.20/mo | $8.01/mo |
| $35,000 | $668.06/mo | $679.28/mo | $11.22/mo |
| $45,000 | $858.94/mo | $873.36/mo | $14.42/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in Cleveland, Ohio
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Cleveland, Ohio locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Ohio. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
- Saving up for a bigger down payment: park it in a Cleveland, 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: Cleveland, Ohio CD rates lock in a guaranteed return until you’re ready to buy
Cleveland, Ohio Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $573 monthly car payment works out to roughly 20.9% of the median individual income in Cleveland, Ohio. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Cleveland, 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 to 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 to 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 Cleveland, Ohio. We’ve prefilled the APR with today’s OH new-auto average, or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Cleveland, 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 Cleveland, 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 Cleveland, 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.
Bad Credit Auto Loans in Cleveland, Ohio
You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.
| Credit Tier | Score Range | New Car APR | Used Car APR | $25,000 Used, 60 Mo. |
|---|---|---|---|---|
| Super prime | 781 to 850 | 4.41% | 6.29% | $487/mo |
| Prime | 661 to 780 | 6.15% | 8.81% | $517/mo |
| Near prime | 601 to 660 | 9.71% | 13.93% | $581/mo |
| Subprime | 501 to 600 | 13.52% | 19.10% | $650/mo |
| Deep subprime | 300 to 500 | 16.11% | 21.62% | $685/mo |
Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.
Get Preapproved Before the Dealer
A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.
Put More Money Down
A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.
Keep the Term Short
A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.
Add a Cosigner
A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.
Be Careful With Buy Here Pay Here
These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.
Frequently Asked Questions about Auto Loans in Cleveland, Ohio
What are auto loan rates in Cleveland, Ohio today?
How does my credit score affect my car loan rate in Cleveland, Ohio?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
Should I get preapproved for an auto loan before visiting a dealer in Cleveland, Ohio?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
Can I get an auto loan with bad credit in Cleveland, Ohio?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Cleveland, Ohio?
- Greater Cleveland Community Credit Union: 3.99% (Auto Loans)
- Navy Federal Credit Union: 4.19% (MissionAssistTM Auto - New Auto Loan)
- Faith Community United Credit Union: 4.49% (New/Used Vehicles, Motorcycles & RV's Loan)
- Ohio Teamsters Credit Union: 4.50% (Vehicle Loan)
- Ohio Educational Credit Union: 5.18% (New Auto Loan - 2025 & Newer)
Cleveland, Ohio Rates & Resources
