Compare Bank & Credit Union Rates
Best auto loan rates, new and used
Compare the lowest advertised APRs for new and used vehicle loans from banks and credit unions, with terms, conditions and original sources.
Top new-car loan rates
Showing 1–5 of 5 in Lima, OH metro · median 6.24% APR
- 5.50%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
5.50% Annual Percentage Rate (APR) with 700+ credit score, primary checking account with First National Bank, auto pay from account and 2+ accounts with First National Bank. Loans subject to credit approval. Auto pay not required to obtain credit. Financing available for any term. No additional rate discounts apply.
Auto loan score 68 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - Nickel Steel Federal Credit UnionNEW/NEWER VEHICLES (2026-2023) · up to 60 months
Credit union · 1 branch
5.50%APRas low asTerms
Starting rate (Daily Periodic Rate starting at 0.01507%). Model years 2026-2023.
Auto loan score 68 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 6.24%APRas low as
Terms
Based on 60 months and $45,000 financing amount with $0 down payment for online applicants with excellent credit. Rate discount of 0.25% may be available for Chase customers maintaining an average daily combined balance of $150,000 or more across eligible accounts.
Auto loan score 64 · Carrot Score 60
Rate checked · Auto loans rates on its site
Rates and branches - Superior Credit UnionVehicle Loans - 2024 through 2026 Models · up to 60 months
Credit union · 7 branches
6.25%APRas low asTerms
Maximum financing available is up to 100% of MSRP.
Auto loan score 64 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 7.51%APRas low as
Terms
Rates as low as 7.51% APR based upon loan amount and creditworthiness. Advertised APR assumes excellent credit history, is based on an average loan amount of $40,000 borrowed over 60 months, includes $257 in account opening fees, and equates to a monthly payment of $799.87. Some loans may be eligible for additional relationship-based account benefits for checking account clients.
Auto loan score 61
Rate checked · Auto loans rates on its site
Rates and branches
Each institution’s lowest advertised APR for the vehicle, at terms that reach 60 months: usually its best-credit rate, so yours depends on your credit, the term and the vehicle. A rate that needs autopay, a checking account or similar says “with conditions”; More filters can leave those out. Refinance, lease buyout, recreational and promotional rates that have ended are left out, and a rate far below what other lenders advertise is listed lower down until it’s checked. Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates. How we rank
What new auto loans cost in Lima, OH metro
5 banks and credit unions · checked Oct 16
- Typical
- 6.24%
- Top 10% up to
- 5.50%
- Banks, typical
- 6.24%
- Credit unions, typical
- 5.88%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Lima, OH metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Superior Credit UnionCredit union · 7 branches