Auto Loans · Columbus, Indiana
3 credit unions in Columbus report car loan rates to the NCUA. Rates range from 3.91% to 4.18%.
Updated Q1 2026 · NCUA Call Report data
3
CUs Reporting Rates
3.91%
Lowest New Car Rate
4.03%
City Average Rate
3 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | BAR-CONS ★ 4.9 · 170 reviews | 3.91% | 6.39% |
| 2 | CENTRA ★ 3.6 · 79 reviews | 3.99% | 5.34% |
| 3 | BUSINESS AND INDUSTRIAL ★ 4.1 · 18 reviews | 4.18% | 5.13% |
3 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | BUSINESS AND INDUSTRIAL ★ 4.1 · 18 reviews | 5.13% | 4.18% |
| 2 | CENTRA ★ 3.6 · 79 reviews | 5.34% | 3.99% |
| 3 | BAR-CONS ★ 4.9 · 170 reviews | 6.39% | 3.91% |
A pre-approval from a Columbus 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 Columbus in the same window and take the best offer.
See member reviews, branch locations, and full rate details.