Auto Loans · Lima, Ohio
2 credit unions in Lima report car loan rates to the NCUA. Rates range from 5.75% to 7.39%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
5.75%
Lowest New Car Rate
6.57%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | SUPERIOR CREDIT UNION, INC ★ 4.9 · 398 reviews | 5.75% | 6.50% |
| 2 | NICKEL STEEL ★ 4.2 · 10 reviews | 7.39% | 7.84% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | SUPERIOR CREDIT UNION, INC ★ 4.9 · 398 reviews | 6.50% | 5.75% |
| 2 | NICKEL STEEL ★ 4.2 · 10 reviews | 7.84% | 7.39% |
A pre-approval from a Lima 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 Lima in the same window and take the best offer.
See member reviews, branch locations, and full rate details.