Auto Loans · Toledo, Ohio
11 credit unions in Toledo report car loan rates to the NCUA. Rates range from 4.25% to 5.64%.
Updated Q1 2026 · NCUA Call Report data
11
CUs Reporting Rates
4.25%
Lowest New Car Rate
5.00%
City Average Rate
11 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | NUEVA ESPERANZA COMMUNITY ★ 5.0 · 12 reviews | 4.25% | 14.25% |
| 2 | EDUCATIONAL COMMUNITY ALLIANCE ★ 3.5 · 29 reviews | 4.30% | 5.34% |
| 3 | PARISH ★ 4.6 · 12 reviews | 4.50% | 4.50% |
| 4 | TOLEDO FIRE FIGHTERS ★ 4.6 · 8 reviews | 4.92% | 5.56% |
| 5 | UNIVERSITY OF TOLEDO ★ 3.1 · 22 reviews | 4.99% | 4.99% |
| 6 | TOLEDO POLICE ★ 4.3 · 6 reviews | 5.06% | 6.51% |
| 7 | TOLEDO URBAN ★ 3.9 · 69 reviews | 5.13% | 9.91% |
| 8 | TOLEDO METRO ★ 3.5 · 36 reviews | 5.29% | 5.94% |
| 9 | CHAMPION ★ 2.9 · 13 reviews | 5.42% | 6.62% |
| 10 | DIRECTIONS ★ 4.9 · 48 reviews | 5.49% | 5.49% |
| 11 | PROMEDICA ★ 4.1 · 14 reviews | 5.64% | 6.73% |
11 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | PARISH ★ 4.6 · 12 reviews | 4.50% | 4.50% |
| 2 | UNIVERSITY OF TOLEDO ★ 3.1 · 22 reviews | 4.99% | 4.99% |
| 3 | EDUCATIONAL COMMUNITY ALLIANCE ★ 3.5 · 29 reviews | 5.34% | 4.30% |
| 4 | DIRECTIONS ★ 4.9 · 48 reviews | 5.49% | 5.49% |
| 5 | TOLEDO FIRE FIGHTERS ★ 4.6 · 8 reviews | 5.56% | 4.92% |
| 6 | TOLEDO METRO ★ 3.5 · 36 reviews | 5.94% | 5.29% |
| 7 | TOLEDO POLICE ★ 4.3 · 6 reviews | 6.51% | 5.06% |
| 8 | CHAMPION ★ 2.9 · 13 reviews | 6.62% | 5.42% |
| 9 | PROMEDICA ★ 4.1 · 14 reviews | 6.73% | 5.64% |
| 10 | TOLEDO URBAN ★ 3.9 · 69 reviews | 9.91% | 5.13% |
| 11 | NUEVA ESPERANZA COMMUNITY ★ 5.0 · 12 reviews | 14.25% | 4.25% |
A pre-approval from a Toledo credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.
Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in Toledo in the same window and take the best offer.
See member reviews, branch locations, and full rate details.