2026 Auto Loan Review
Best for borrowers who prefer an in-person experience: If you’re refinancing a car loan and prefer a traditional, in-person application process,
auto loan review at a glance
| Starting annual percentage rate (APR) | Loan terms | Loan amounts | Fees
Fee information in this review reflects what the lender publicly discloses on its website or to LendingTree directly, and doesn’t necessarily cover all fees that exist. Other fees may apply. “Not specified” means the lender has not provided fee details to us and/or doesn’t publish its fees.
| Minimum credit score | ||
|---|---|---|---|---|---|---|
| New and used auto loans
Fifth Third Bank doesn’t originate new or used auto loans directly to consumers. Instead, its car financing is available through participating dealerships in its indirect lending program. To get a new or used auto loan from Fifth Third, you’ll need to apply through a participating dealer.
| Not specified | Not specified | Not specified | Not specified | Not specified | |
| Refinance auto loans | Starting at (with autopay)
APR assumes $20,000 loan amount with 48-month term and includes 0.25% Automatic Payment discount.
| months | Not specified | Not specified |
pros and cons
Pros
- Financial assistance available
- 0.25% rate discount for autopay with a
- Allows co-borrowers
Cons
- Can’t apply online
- No preapprovals
- Only has branches in 12 states
What you need to get a car loan with
Limited availability
To date, has over 1,000 full-service banking centers, but they’re only located in the following states:
- Alabama
- Florida
- Georgia
- Illinois
- Indiana
- Kentucky
- Michigan
- North Carolina
- Ohio
- South Carolina
- Tennessee
- West Virginia
Estimate your monthly payment
About 5% of people with an auto loan are behind on payments, according to a LendingTree study. Using an auto loan calculator before signing on the dotted line can help you avoid taking on more than you can handle.
Types of auto loans
Compared to some banks,
When banks compete, you win
You could save about $2,346 on your auto loan by comparing lenders with LendingTree and choosing your lowest offer. Here’s how.
Tell us what you need
Take two minutes to tell us who you are and how much money you need for your vehicle — we’ll take care of the rest. It’s free, simple and secure.
Shop your offers
We’ll send you offers from up to five trusted lenders. Compare your offers side by side to see which one will save you the most money.
Get your money
It’s smooth sailing once you finalize your loan with your lender — you could see money in your account in as soon as 24 hours.
Is a auto loan right for you?
If you live in an area that’s serviced by one of
Shop around for car insurance on the LendingTree marketplace to find affordable rates. Among consumers who switched providers, 92% said they saved money and nearly two-thirds saved at least $100 on their annual car insurance rate, according to our latest survey.
How auto loans compare
It’s hard to know how
With that said, here’s how it stacks up against (another regional bank) and Digital Federal Credit Union (DCU) , which is available in all 50 states. Please note that the information below only applies to loans for new cars.
| Fifth Third Bank | Huntington Bank | Bank of America | |
|---|---|---|---|
| Starting APR
Fifth Third Bank doesn’t originate new or used auto loans directly to consumers. Instead, its car financing is available through participating dealerships in its indirect lending program. To get a new or used auto loan from Fifth Third, you’ll need to apply through a participating dealer.
| Not specified | 9.24% | |
| Loan terms | Not specified | Up to months | 36 to 120 months |
| Loan amounts | Not specified | Starting at Not specified ($8,000 in Minnesota) | |
| Fees
Fee information in this review reflects what the lender publicly discloses on its website or to LendingTree directly, and doesn’t necessarily cover all fees that exist. Other fees may apply. “Not specified” means the lender has not provided fee details to us and/or doesn’t publish its fees.
| Not specified | Loan processing fee: | No origination fee |
| Minimum credit score | Not specified | Not specified | Not specified |
Like , auto loans are only available in a handful of states (mostly the South and the Midwest, with some exceptions). Digital Federal Credit Union (DCU) is available nationwide, and has much lower rates than Huntington.
Frequently asked questions
doesn’t disclose the minimum credit score needed to apply for its auto loans.
Yes, this lender makes it easy to make your auto loan payments online or via mobile app. Register for an account to view and manage your accounts, including your auto loan.
It could be, but it’s best to speak with a rep to see since you can’t check rates online. To check customer service, search for it on the Consumer Financial Protection Bureau’s customer complaint database.
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