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Compare car loans in Ohio

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

Updated

Fact checked

Editor's choice: Carvana

Carvana logo
  • Most credit types welcome
  • 45-day preapproval
  • Seven-day guarantee
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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.

Compare car loans available in Ohio

Select your credit score range and Ohio from the table to see online lenders and connection services that offer auto loans in your state.

Data indicated here is updated regularly
Name Product Filter Values Minimum credit score APR Loan term Requirements
Carvana
No minimum credit score
3.9% to 27.9%
Varies
18+ years old, annual income of $4,000+, no active bankruptcies
Get pre-qualified for used car financing and receive competitive, personalized rates.
car.Loan.com Car Loans
300
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.
CarsDirect auto loans
Varies by network lender
Varies by network lender
Must provide proof of income, proof of residence, and proof of insurance.
Save time and effort with this lending service specializing in beginner-friendly or subprime car loan.
Auto Credit Express Car Loans
300
Varies
Varies
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
500
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.
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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

KeyBank

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%

BMI FCU

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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