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Car loans in Ohio

Ohioans have a large selection of banks and credit unions to borrow from.

Compare car loans available in Ohio

Dealerships offer the ability to shop and buy on the same day. But walking in with a car loan from a lender could help you score a better deal.

Name Product Filter Values Minimum credit score APR Loan term Requirements
No minimum credit score
3.9% to 27.9%
18+ years old, annual income of $4,000+, no active bankruptcies
Get pre-qualified for used car financing and receive competitive, personalized rates. Car Loans
Varies by network lender
Varies by lender
Must be a US citizen with a current US address and employed full-time or have guaranteed fixed income.
Apply with a simple online application to get paired with a local auto lender. No credit and bad credit accepted.
SuperMoney Auto Purchase Loans Marketplace
Varies by lender
Varies by lender
Fair to excellent credit, an income source, US citizen or permanent resident, 18+ years old
Find an offer and get rates from competing lenders without affecting your credit score.
Auto Credit Express Car Loans
Must be employed full-time or have guaranteed fixed income of at least $1,500/month and be a current resident of the US or Canada.
Get connected with an auto lender near you, even if you have bad credit.
Monevo Auto Loans
3.99% to 35.99%
3 months to 12 years
Credit score of 500+, legal US resident and ages 18+.
Quickly compare multiple online lenders with competitive rates depending on your credit.

Compare up to 4 providers

Getting approved for an auto loan in Ohio

Ohio doesn't have any specific laws or regulations in place for auto loans. When you apply for a loan, your lender will evaluate your finances and credit score to determine how much you qualify for.

If you're approved for financing, you can use it to purchase a new or used vehicle — although some lenders only work with specific dealerships. If you aren't approved, your lender should give you a reason why your application was rejected.

Banks and credit unions in Ohio that offer auto loans

There are a wide variety of local banks and credit unions that offer auto loans to residents of Ohio — in addition to two national banks based in the state.

Fifth Third Bank

New and used vehicles, loan refinancing

Not stated


New and used vehicles, recreational vehicles

As low as 2.81%

Park National Bank

New and used vehicles, recreational vehicles

Not stated

First Financial Bank

New and used vehicles, recreational vehicles

As low as 3.35%

Ohio Educational Credit Union (OHecu)

New and used vehicles, loan refinancing

As low as 2.94%

Ohio University Credit Union (OUCU)

New and used vehicles

As low as 3.24%

First Ohio Community Federal Credit Union

New and used vehicles, recreational vehicles

As low as 2.75%


New and used vehicles, loan refinancing, recreational vehicles

As low as 2.74%

Credit Union of Ohio (CUO)

New and used vehicles, recreational vehicles

As low as 3.96%

Bottom line

Ohio doesn't have any laws regulating car loans or the fees attached to them, so it's up to you to fully vet any potential offers. To see national options and learn more about the borrowing process, read our guide to car loans.

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