Auto Loan Rates in Kentucky (KY) for April 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Kentucky. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Kentucky include University of Kentucky Federal Credit UnionUniversity of Kentucky Federal Credit Union2557 Sir Barton Way, Lexington, KY, 40509A5.0 ★Texas Ratio: 7.63% offering New/Used Vehicle at 3.99%, Morehead Community Federal Credit UnionMorehead Community Federal Credit Union503 W Main St, Morehead, KY, 40351 1539A+5.0 ★Texas Ratio: 0.69% offering New Auto Loan at 4.00%, Desco Federal Credit UnionDesco Federal Credit Union1211 Carter Ave, Ashland, KY, 41101 7514A+5.0 ★Texas Ratio: 2.81% offering New Cars and Trucks at 4.30%, CLASS ACTCLASS ACT3620 Fern Valley Rd, Louisville, KY, 40219 1917A+5.0 ★Texas Ratio: 0.00% offering Auto Loans 2022 or newer at 4.49%, Louisville Federal Credit UnionLouisville Federal Credit Union1420 Gardiner Ln Rm 66, Louisville, KY, 40231 8900A+5.0 ★Texas Ratio: 1.06% offering New Auto at 4.69%. Auto loan rates as of April 19, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across Kentucky side-by-side. Kentucky auto loan rates currently start as low as 3.99% APR from University of Kentucky Federal Credit Union at 2557 Sir Barton Way, Lexington, KY, 40509. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Kentucky. Auto Loan Rates Last Updated and Verified: April 19, 2026
Compare Auto Loan Rates Today in Kentucky
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
2557 Sir Barton Way, Lexington, KY, 40509
New/Used Vehicle
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
New Auto Loan
4.00%
24-month
▼
APR4.00%
Term24-month
Last UpdatedApr 18, 2026
Details
AUTO (New or 1 year old with less than 20000 miles)
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
New Auto Loan
4.25%
36-month
▼
APR4.25%
Term36-month
Last UpdatedApr 18, 2026
Details
AUTO (New or 1 year old with less than 20000 miles)
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave, Ashland, KY, 41101 7514
New Cars and Trucks
4.30%
4 years
▼
APR4.30%
Term4 years
Last UpdatedApr 18, 2026
Details
As Low As
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave, Ashland, KY, 41101 7514
Used Cars and Trucks
4.30%
4 years
▼
APR4.30%
Term4 years
Last UpdatedApr 18, 2026
Details
As Low As
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave, Ashland, KY, 41101 7514
New Cars and Trucks
4.39%
3 years
▼
APR4.39%
Term3 years
Last UpdatedApr 18, 2026
Details
As Low As
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave, Ashland, KY, 41101 7514
Used Cars and Trucks
4.39%
3 years
▼
APR4.39%
Term3 years
Last UpdatedApr 18, 2026
Details
As Low As
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave, Ashland, KY, 41101 7514
New Cars and Trucks
4.49%
5 years
▼
APR4.49%
Term5 years
Last UpdatedApr 18, 2026
Details
As Low As
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave, Ashland, KY, 41101 7514
Used Cars and Trucks
4.49%
5 years
▼
APR4.49%
Term5 years
Last UpdatedApr 18, 2026
Details
As Low As
CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY, 40219 1917
Auto Loans 2022 or newer
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
New Auto Loan
4.50%
48-month
▼
APR4.50%
Term48-month
Last UpdatedApr 18, 2026
Details
AUTO (New or 1 year old with less than 20000 miles)
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
Used Auto Loan
4.50%
24-month
▼
APR4.50%
Term24-month
Last UpdatedApr 18, 2026
Details
Used Auto up to 10 years old
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
1420 Gardiner Ln Rm 66, Louisville, KY, 40231 8900
New Auto
4.69%
48 Months
▼
APR4.69%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
9711 Linn Station Rd, Louisville, KY, 40223 3804
Newer (2023-2026) Auto Loans
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
9600 Ormsby Station Rd, Louisville, KY, 40223 4008
Auto Loans - Cars, Trucks, SUVs & Vans (years 2017 & Newer)
4.74%
0 - 59
▼
APR4.74%
Term0 - 59
Last UpdatedApr 18, 2026
Details
As Low As
CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY, 40219 1917
Auto Loans 2017 - 2021
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedApr 19, 2026
Details
CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY, 40219 1917
Auto Loans 2022 or newer
4.74%
63 Months
▼
APR4.74%
Term63 Months
Last UpdatedApr 19, 2026
Details
Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
2024-2026 New & Used Auto Loan
4.75%
12 - 36
▼
APR4.75%
Term12 - 36
Last UpdatedApr 18, 2026
Details
As Low As
KUE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
1 Quality St, Lexington, KY, 40507 1428
New Vehicle Loan
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As; Up to 48 months
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
New Auto Loan
4.75%
60-month
▼
APR4.75%
Term60-month
Last UpdatedApr 18, 2026
Details
AUTO (New or 1 year old with less than 20000 miles)
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
Used Auto Loan
4.75%
36-month
▼
APR4.75%
Term36-month
Last UpdatedApr 18, 2026
Details
Used Auto up to 10 years old
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
1420 Gardiner Ln Rm 66, Louisville, KY, 40231 8900
New Auto
4.79%
60 Months
▼
APR4.79%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
1300 CENTRAL AVE, ASHLAND, KY, 41101 7550
New & Used Automobiles
4.91%
61-72
▼
APR4.91%
Term61-72
Last UpdatedApr 19, 2026
Details
As Low As
Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
1300 CENTRAL AVE, ASHLAND, KY, 41101 7550
New & Used Automobiles
4.95%
49-60
▼
APR4.95%
Term49-60
Last UpdatedApr 19, 2026
Details
As Low As
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave, Ashland, KY, 41101 7514
New Cars and Trucks
4.95%
6 years
▼
APR4.95%
Term6 years
Last UpdatedApr 18, 2026
Details
As Low As
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave, Ashland, KY, 41101 7514
Used Cars and Trucks
4.95%
6 years
▼
APR4.95%
Term6 years
Last UpdatedApr 18, 2026
Details
As Low As
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
9711 Linn Station Rd, Louisville, KY, 40223 3804
Newer (2023-2026) Auto Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
9600 Ormsby Station Rd, Louisville, KY, 40223 4008
Auto Loans - Cars, Trucks, SUVs & Vans (years 2017 & Newer)
4.99%
60 - 74
▼
APR4.99%
Term60 - 74
Last UpdatedApr 18, 2026
Details
As Low As
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
2557 Sir Barton Way, Lexington, KY, 40509
New/Used Vehicle
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedApr 18, 2026
Details
As Low As
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.44%
820 W Broadway, Louisville, KY, 40202
Autos A+
4.99%
up to 48
▼
APR4.99%
Termup to 48
Last UpdatedApr 18, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
1300 CENTRAL AVE, ASHLAND, KY, 41101 7550
New & Used Automobiles
4.99%
37-48
▼
APR4.99%
Term37-48
Last UpdatedApr 19, 2026
Details
As Low As
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
1420 Gardiner Ln Rm 66, Louisville, KY, 40231 8900
Used Auto
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
New/Used Cars, 2023 and newer models
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; Up to 48 months
CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY, 40219 1917
Auto Loans 2016 or older
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 19, 2026
Details
CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY, 40219 1917
Auto Loans 2017 - 2021
4.99%
63 Months
▼
APR4.99%
Term63 Months
Last UpdatedApr 19, 2026
Details
CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY, 40219 1917
Auto Loans 2022 or newer
4.99%
75 Months
▼
APR4.99%
Term75 Months
Last UpdatedApr 19, 2026
Details
Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
2024-2026 New & Used Auto Loan
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
Used Auto Loan
5.00%
48-month
▼
APR5.00%
Term48-month
Last UpdatedApr 18, 2026
Details
Used Auto up to 10 years old
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY, 42104 3383
Other Vehicle Loans New
5.00%
1 Year
▼
APR5.00%
Term1 Year
Last UpdatedApr 19, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
1300 CENTRAL AVE, ASHLAND, KY, 41101 7550
New & Used Automobiles
5.07%
0-36
▼
APR5.07%
Term0-36
Last UpdatedApr 19, 2026
Details
As Low As; Vehicles older than 7 years prior to current year receive the "Classic" rate.
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
1420 Gardiner Ln Rm 66, Louisville, KY, 40231 8900
Used Auto
5.09%
60 Months
▼
APR5.09%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
9711 Linn Station Rd, Louisville, KY, 40223 3804
Used (2019 - 2022) Auto Loans
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
2557 Sir Barton Way, Lexington, KY, 40509
New/Used Vehicle
5.24%
75 Months
▼
APR5.24%
Term75 Months
Last UpdatedApr 18, 2026
Details
As Low As
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.44%
820 W Broadway, Louisville, KY, 40202
Autos A+
5.24%
61 to 72
▼
APR5.24%
Term61 to 72
Last UpdatedApr 18, 2026
Details
CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY, 40219 1917
Auto Loans 2017 - 2021
5.24%
75 Months
▼
APR5.24%
Term75 Months
Last UpdatedApr 19, 2026
Details
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
New Auto Loan
5.25%
72-month
▼
APR5.25%
Term72-month
Last UpdatedApr 18, 2026
Details
AUTO (New or 1 year old with less than 20000 miles)
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
Used Auto Loan
5.25%
60-month
▼
APR5.25%
Term60-month
Last UpdatedApr 18, 2026
Details
Used Auto up to 10 years old
Modern Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
1727 Moseley St, Owensboro, KY, 42303 3830
2022 - 2025 Auto Loan
5.31%
48 Months
▼
APR5.31%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Modern Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
1727 Moseley St, Owensboro, KY, 42303 3830
Auto Loan
5.31%
48 Months
▼
APR5.31%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
New/Used Cars, 2023 and newer models
5.39%
63 Months
▼
APR5.39%
Term63 Months
Last UpdatedApr 19, 2026
Details
As Low As; Up to 63 months
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
9711 Linn Station Rd, Louisville, KY, 40223 3804
Used (2019 - 2022) Auto Loans
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.44%
820 W Broadway, Louisville, KY, 40202
Autos A
5.49%
up to 48
▼
APR5.49%
Termup to 48
Last UpdatedApr 18, 2026
Details
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
417 High St, Frankfort, KY, 40601
New Auto Loans
5.49%
1-48
▼
APR5.49%
Term1-48
Last UpdatedApr 18, 2026
Details
As Low As
CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY, 40219 1917
Auto Loans 2016 or older
5.49%
63 Months
▼
APR5.49%
Term63 Months
Last UpdatedApr 19, 2026
Details
CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY, 40219 1917
Auto Loans 2022 or newer
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedApr 19, 2026
Details
Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
2022-2023 Auto Loan
5.50%
12 - 36
▼
APR5.50%
Term12 - 36
Last UpdatedApr 18, 2026
Details
Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
2024-2026 New & Used Auto Loan
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
KUE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
1 Quality St, Lexington, KY, 40507 1428
New Vehicle Loan
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As; 49 to 60 months
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
1420 Gardiner Ln Rm 66, Louisville, KY, 40231 8900
New Auto
5.69%
84 Months
▼
APR5.69%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
9711 Linn Station Rd, Louisville, KY, 40223 3804
Newer (2023-2026) Auto Loans
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Toyota Motor Manufacturing, Hebron, KY, 41048
New & Used Vehicles2
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 18, 2026
Details
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.44%
820 W Broadway, Louisville, KY, 40202
Autos A
5.74%
61 to 72
▼
APR5.74%
Term61 to 72
Last UpdatedApr 18, 2026
Details
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
417 High St, Frankfort, KY, 40601
New Auto Loans
5.74%
49-63
▼
APR5.74%
Term49-63
Last UpdatedApr 18, 2026
Details
As Low As
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
417 High St, Frankfort, KY, 40601
Used Auto Loans
5.74%
1-48
▼
APR5.74%
Term1-48
Last UpdatedApr 18, 2026
Details
As Low As
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
New Auto Loan
5.75%
84-month
▼
APR5.75%
Term84-month
Last UpdatedApr 18, 2026
Details
AUTO (New or 1 year old with less than 20000 miles)
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
Used Auto Loan
5.75%
72-month
▼
APR5.75%
Term72-month
Last UpdatedApr 18, 2026
Details
Used Auto up to 10 years old
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY, 42104 3383
Other Vehicle Loans Used
5.75%
1 Year
▼
APR5.75%
Term1 Year
Last UpdatedApr 19, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
New/Used Cars, 2023 and newer models
5.79%
75 Months
▼
APR5.79%
Term75 Months
Last UpdatedApr 19, 2026
Details
As Low As; 64 to 75 months
Modern Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
1727 Moseley St, Owensboro, KY, 42303 3830
2022 - 2025 Auto Loan
5.81%
60 Months
▼
APR5.81%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Modern Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
1727 Moseley St, Owensboro, KY, 42303 3830
Auto Loan
5.81%
60 Months
▼
APR5.81%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
1300 CENTRAL AVE, ASHLAND, KY, 41101 7550
New & Used Automobiles
5.89%
73-84
▼
APR5.89%
Term73-84
Last UpdatedApr 19, 2026
Details
As Low As
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
Used Cars, 2019 through 2022 models
5.89%
63 Months
▼
APR5.89%
Term63 Months
Last UpdatedApr 19, 2026
Details
As Low As; Up to 63 months
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave, Ashland, KY, 41101 7514
New Cars and Trucks
5.93%
7 years
▼
APR5.93%
Term7 years
Last UpdatedApr 18, 2026
Details
As Low As
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave, Ashland, KY, 41101 7514
Used Cars and Trucks
5.93%
7 years
▼
APR5.93%
Term7 years
Last UpdatedApr 18, 2026
Details
As Low As
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
2557 Sir Barton Way, Lexington, KY, 40509
New/Used Vehicle
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
Park Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
6101 Fern Valley Rd, Louisville, KY, 40228
Auto Loans
5.99%
49 - 60 Months
▼
APR5.99%
Term49 - 60 Months
Last UpdatedApr 18, 2026
Details
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.44%
820 W Broadway, Louisville, KY, 40202
Autos A+
5.99%
73 to 84
▼
APR5.99%
Term73 to 84
Last UpdatedApr 18, 2026
Details
Expree Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.78%
100 Moore Dr, Frankfort, KY, 40601 8295
Auto Loans
5.99%
1-36
▼
APR5.99%
Term1-36
Last UpdatedApr 19, 2026
Details
As Low As
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
1420 Gardiner Ln Rm 66, Louisville, KY, 40231 8900
Used Auto
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
New/Used Cars, 2023 and newer models
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
2018-2021 Auto Loan
6.00%
36 Months
▼
APR6.00%
Term36 Months
Last UpdatedApr 18, 2026
Details
Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
2022-2023 Auto Loan
6.00%
48 Months
▼
APR6.00%
Term48 Months
Last UpdatedApr 18, 2026
Details
Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
2024-2026 New & Used Auto Loan
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY, 42104 3383
Other Vehicle Loans New
6.00%
2 Years
▼
APR6.00%
Term2 Years
Last UpdatedApr 19, 2026
Details
Modern Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
1727 Moseley St, Owensboro, KY, 42303 3830
2018 - 2021 Auto Loan
6.06%
48 Months
▼
APR6.06%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Modern Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
1727 Moseley St, Owensboro, KY, 42303 3830
Auto Loan
6.06%
48 Months
▼
APR6.06%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
417 High St, Frankfort, KY, 40601
New Auto Loans
6.24%
64-75
▼
APR6.24%
Term64-75
Last UpdatedApr 18, 2026
Details
As Low As
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
417 High St, Frankfort, KY, 40601
Used Auto Loans
6.24%
49-63
▼
APR6.24%
Term49-63
Last UpdatedApr 18, 2026
Details
As Low As
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
Used Auto Loan
6.25%
84-month
▼
APR6.25%
Term84-month
Last UpdatedApr 18, 2026
Details
Used Auto up to 10 years old, over $20,000
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
Used Cars, 2019 through 2022 models
6.29%
75 Months
▼
APR6.29%
Term75 Months
Last UpdatedApr 19, 2026
Details
As Low As; 64 to 75 months
Modern Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
1727 Moseley St, Owensboro, KY, 42303 3830
2022 - 2025 Auto Loan
6.31%
72 Months
▼
APR6.31%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Modern Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
1727 Moseley St, Owensboro, KY, 42303 3830
Auto Loan
6.31%
72 Months
▼
APR6.31%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
New/Used Cars, 2023 and newer models
6.39%
49 to 63
▼
APR6.39%
Term49 to 63
Last UpdatedApr 19, 2026
Details
As Low As
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
2820 N York St, Owensboro, KY, 42301 3344
Auto Loans 2022
6.49%
63 Months
▼
APR6.49%
Term63 Months
Last UpdatedApr 17, 2026
Details
As Low As
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
9711 Linn Station Rd, Louisville, KY, 40223 3804
Used (2019 - 2022) Auto Loans
6.49%
72 Months
▼
APR6.49%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
2557 Sir Barton Way, Lexington, KY, 40509
New/Used Vehicle
6.49%
89 Months
▼
APR6.49%
Term89 Months
Last UpdatedApr 18, 2026
Details
As Low As
Park Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
6101 Fern Valley Rd, Louisville, KY, 40228
Auto Loans
6.49%
61 - 72 Months
▼
APR6.49%
Term61 - 72 Months
Last UpdatedApr 18, 2026
Details
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.44%
820 W Broadway, Louisville, KY, 40202
Autos A
6.49%
73 to 84
▼
APR6.49%
Term73 to 84
Last UpdatedApr 18, 2026
Details
Expree Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.78%
100 Moore Dr, Frankfort, KY, 40601 8295
Auto Loans
6.49%
61-72
▼
APR6.49%
Term61-72
Last UpdatedApr 19, 2026
Details
As Low As
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
New/Used Cars, 2023 and newer models
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As; 76 to 84 months**
Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
2018-2021 Auto Loan
6.50%
48 Months
▼
APR6.50%
Term48 Months
Last UpdatedApr 18, 2026
Details
Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
2022-2023 Auto Loan
6.50%
60 Months
▼
APR6.50%
Term60 Months
Last UpdatedApr 18, 2026
Details
Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
2024-2026 New & Used Auto Loan
6.50%
84 Months
▼
APR6.50%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
8225 US HIGHWAY 60 W, LEWISPORT, KY, 42351 7082
Auto Loans 2023-2026
6.50%
60 Months
▼
APR6.50%
Term60 Months
Last UpdatedApr 18, 2026
Details
A 850-680
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
Used Auto Loan
6.50%
24-month
▼
APR6.50%
Term24-month
Last UpdatedApr 18, 2026
Details
Used auto over 10 years old
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY, 42104 3383
Other Vehicle Loans New
6.50%
3 Years
▼
APR6.50%
Term3 Years
Last UpdatedApr 19, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
Used Cars, 2018 and older models
6.54%
63 Months
▼
APR6.54%
Term63 Months
Last UpdatedApr 19, 2026
Details
As Low As; Up to 63 months
Modern Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
1727 Moseley St, Owensboro, KY, 42303 3830
2018 - 2021 Auto Loan
6.56%
60 Months
▼
APR6.56%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Modern Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
1727 Moseley St, Owensboro, KY, 42303 3830
Auto Loan
6.56%
60 Months
▼
APR6.56%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
417 High St, Frankfort, KY, 40601
New Auto Loans
6.74%
76-84
▼
APR6.74%
Term76-84
Last UpdatedApr 18, 2026
Details
As Low As
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
417 High St, Frankfort, KY, 40601
Used Auto Loans
6.74%
64-75
▼
APR6.74%
Term64-75
Last UpdatedApr 18, 2026
Details
As Low As
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
2820 N York St, Owensboro, KY, 42301 3344
Auto Loans 2020
6.75%
63 Months
▼
APR6.75%
Term63 Months
Last UpdatedApr 17, 2026
Details
As Low As
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY, 42104 3383
Other Vehicle Loans Used
6.75%
2 Years
▼
APR6.75%
Term2 Years
Last UpdatedApr 19, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
New/Used Cars, 2023 and newer models
6.79%
64 to 75
▼
APR6.79%
Term64 to 75
Last UpdatedApr 19, 2026
Details
As Low As
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
Used Cars, 2019 through 2022 models
6.89%
63 Months
▼
APR6.89%
Term63 Months
Last UpdatedApr 19, 2026
Details
As Low As
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
9711 Linn Station Rd, Louisville, KY, 40223 3804
Newer (2023-2026) Auto Loans
6.99%
84 Months
▼
APR6.99%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
Expree Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.78%
100 Moore Dr, Frankfort, KY, 40601 8295
Auto Loans
6.99%
73-84
▼
APR6.99%
Term73-84
Last UpdatedApr 19, 2026
Details
As Low As
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
Used Cars, 2019 through 2022 models
6.99%
84 Months
▼
APR6.99%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As; 76 to 84 months**
Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
2018-2021 Auto Loan
7.00%
60 Months
▼
APR7.00%
Term60 Months
Last UpdatedApr 18, 2026
Details
Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
2022-2023 Auto Loan
7.00%
72 Months
▼
APR7.00%
Term72 Months
Last UpdatedApr 18, 2026
Details
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
8225 US HIGHWAY 60 W, LEWISPORT, KY, 42351 7082
Auto Loans 2023-2026
7.00%
72 Months
▼
APR7.00%
Term72 Months
Last UpdatedApr 18, 2026
Details
A 850-680
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
Used Auto Loan
7.00%
36-month
▼
APR7.00%
Term36-month
Last UpdatedApr 18, 2026
Details
Used auto over 10 years old
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY, 42104 3383
Other Vehicle Loans New
7.00%
4 Years
▼
APR7.00%
Term4 Years
Last UpdatedApr 19, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY, 42104 3383
Other Vehicle Loans Used
7.00%
3 Years
▼
APR7.00%
Term3 Years
Last UpdatedApr 19, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
Used Cars, 2018 and older models
7.04%
75 Months
▼
APR7.04%
Term75 Months
Last UpdatedApr 19, 2026
Details
As Low As; 64 to 75 months***
Modern Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
1727 Moseley St, Owensboro, KY, 42303 3830
2018 - 2021 Auto Loan
7.06%
72 Months
▼
APR7.06%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Modern Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
1727 Moseley St, Owensboro, KY, 42303 3830
Auto Loan
7.06%
72 Months
▼
APR7.06%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Park Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
6101 Fern Valley Rd, Louisville, KY, 40228
Auto Loans
7.24%
73 - 84 Months
▼
APR7.24%
Term73 - 84 Months
Last UpdatedApr 18, 2026
Details
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.44%
820 W Broadway, Louisville, KY, 40202
Autos B
7.24%
up to 48
▼
APR7.24%
Termup to 48
Last UpdatedApr 18, 2026
Details
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
417 High St, Frankfort, KY, 40601
Used Auto Loans
7.24%
76-84
▼
APR7.24%
Term76-84
Last UpdatedApr 18, 2026
Details
As Low As
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
Used Cars, 2019 through 2022 models
7.29%
64 to 75
▼
APR7.29%
Term64 to 75
Last UpdatedApr 19, 2026
Details
As Low As
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.44%
820 W Broadway, Louisville, KY, 40202
Autos B
7.49%
61 to 72
▼
APR7.49%
Term61 to 72
Last UpdatedApr 18, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
New/Used Cars, 2023 and newer models
7.49%
76 to 84
▼
APR7.49%
Term76 to 84
Last UpdatedApr 19, 2026
Details
As Low As
Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
2018-2021 Auto Loan
7.50%
72 Months
▼
APR7.50%
Term72 Months
Last UpdatedApr 18, 2026
Details
Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
2022-2023 Auto Loan
7.50%
84 Months
▼
APR7.50%
Term84 Months
Last UpdatedApr 18, 2026
Details
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
8225 US HIGHWAY 60 W, LEWISPORT, KY, 42351 7082
Auto Loans 2022
7.50%
12-72
▼
APR7.50%
Term12-72
Last UpdatedApr 18, 2026
Details
A 850-680
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
8225 US HIGHWAY 60 W, LEWISPORT, KY, 42351 7082
Auto Loans 2023-2026
7.50%
84 Months
▼
APR7.50%
Term84 Months
Last UpdatedApr 18, 2026
Details
A 850-680
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
Used Auto Loan
7.50%
48-month
▼
APR7.50%
Term48-month
Last UpdatedApr 18, 2026
Details
Used auto over 10 years old
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
Used Cars, 2018 and older models
7.54%
63 Months
▼
APR7.54%
Term63 Months
Last UpdatedApr 19, 2026
Details
As Low As
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
9711 Linn Station Rd, Louisville, KY, 40223 3804
Used (2019 - 2022) Auto Loans
7.74%
84 Months
▼
APR7.74%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
9600 Ormsby Station Rd, Louisville, KY, 40223 4008
Auto Loans - Cars, Trucks, SUVs & Vans (years 2017 & Newer)
7.74%
75- 84
▼
APR7.74%
Term75- 84
Last UpdatedApr 18, 2026
Details
As Low As
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
8225 US HIGHWAY 60 W, LEWISPORT, KY, 42351 7082
Auto Loans 2023-2026
7.75%
60 Months
▼
APR7.75%
Term60 Months
Last UpdatedApr 18, 2026
Details
B 679-640
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
Used Cars, 2019 through 2022 models
7.99%
76 to 84
▼
APR7.99%
Term76 to 84
Last UpdatedApr 19, 2026
Details
As Low As
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
8225 US HIGHWAY 60 W, LEWISPORT, KY, 42351 7082
Auto Loans 2019-2021
8.00%
12-60
▼
APR8.00%
Term12-60
Last UpdatedApr 18, 2026
Details
A 850-680
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
8225 US HIGHWAY 60 W, LEWISPORT, KY, 42351 7082
Auto Loans 2023-2026
8.00%
72 Months
▼
APR8.00%
Term72 Months
Last UpdatedApr 18, 2026
Details
B 679-640
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY, 41042 4894
New and Used Small Vehicle Loans
8.00%
Up to 12 months
▼
APR8.00%
TermUp to 12 months
Last UpdatedApr 19, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY, 42104 3383
Other Vehicle Loans New
8.00%
5 Years
▼
APR8.00%
Term5 Years
Last UpdatedApr 19, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY, 42104 3383
Other Vehicle Loans Used
8.00%
4 Years
▼
APR8.00%
Term4 Years
Last UpdatedApr 19, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
Used Cars, 2018 and older models
8.04%
64 to 75
▼
APR8.04%
Term64 to 75
Last UpdatedApr 19, 2026
Details
As Low As
Modern Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
1727 Moseley St, Owensboro, KY, 42303 3830
2015 - 2017 Auto Loan
8.06%
48 Months
▼
APR8.06%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Modern Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
1727 Moseley St, Owensboro, KY, 42303 3830
Auto Loan
8.06%
48 Months
▼
APR8.06%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Park Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
6101 Fern Valley Rd, Louisville, KY, 40228
Auto Loans
8.24%
85 - 96 Months
▼
APR8.24%
Term85 - 96 Months
Last UpdatedApr 18, 2026
Details
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.44%
820 W Broadway, Louisville, KY, 40202
Autos B
8.24%
73 to 84
▼
APR8.24%
Term73 to 84
Last UpdatedApr 18, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY, 41042 4894
New and Used Small Vehicle Loans
8.25%
24 months
▼
APR8.25%
Term24 months
Last UpdatedApr 19, 2026
Details
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
8225 US HIGHWAY 60 W, LEWISPORT, KY, 42351 7082
Auto Loans 2019-2021
8.50%
12-60
▼
APR8.50%
Term12-60
Last UpdatedApr 18, 2026
Details
B 679-640
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
8225 US HIGHWAY 60 W, LEWISPORT, KY, 42351 7082
Auto Loans 2022
8.50%
12-72
▼
APR8.50%
Term12-72
Last UpdatedApr 18, 2026
Details
B 679-640
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
8225 US HIGHWAY 60 W, LEWISPORT, KY, 42351 7082
Auto Loans 2023-2026
8.50%
84 Months
▼
APR8.50%
Term84 Months
Last UpdatedApr 18, 2026
Details
B 679-640
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY, 41042 4894
New and Used Small Vehicle Loans
8.50%
36 months
▼
APR8.50%
Term36 months
Last UpdatedApr 19, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY, 41042 4894
New and Used Small Vehicle Loans
8.75%
48 months
▼
APR8.75%
Term48 months
Last UpdatedApr 19, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Toyota Motor Manufacturing, Hebron, KY, 41048
Classic Vehicle Loans2
8.99%
Up to 4 years
▼
APR8.99%
TermUp to 4 years
Last UpdatedApr 18, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY, 41042 4894
New and Used Small Vehicle Loans
9.00%
60 months
▼
APR9.00%
Term60 months
Last UpdatedApr 19, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY, 42104 3383
Other Vehicle Loans New
9.00%
6 Years
▼
APR9.00%
Term6 Years
Last UpdatedApr 19, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY, 42104 3383
Other Vehicle Loans Used
9.00%
5 Years
▼
APR9.00%
Term5 Years
Last UpdatedApr 19, 2026
Details
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
8225 US HIGHWAY 60 W, LEWISPORT, KY, 42351 7082
Auto Loans 2018-Older
9.50%
12-36
▼
APR9.50%
Term12-36
Last UpdatedApr 18, 2026
Details
A 850-680
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
8225 US HIGHWAY 60 W, LEWISPORT, KY, 42351 7082
Auto Loans 2019-2021
9.50%
12-60
▼
APR9.50%
Term12-60
Last UpdatedApr 18, 2026
Details
C 639-600
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
8225 US HIGHWAY 60 W, LEWISPORT, KY, 42351 7082
Auto Loans 2023-2026
9.50%
72 Months
▼
APR9.50%
Term72 Months
Last UpdatedApr 18, 2026
Details
C 639-600
Modern Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
1727 Moseley St, Owensboro, KY, 42303 3830
2014 and older Auto Loan
9.56%
36 Months
▼
APR9.56%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Modern Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
1727 Moseley St, Owensboro, KY, 42303 3830
Auto Loan
9.56%
36 Months
▼
APR9.56%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
2017 & older Auto Loan
10.00%
12 - 48
▼
APR10.00%
Term12 - 48
Last UpdatedApr 18, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY, 42104 3383
Other Vehicle Loans New
10.00%
7 Years
▼
APR10.00%
Term7 Years
Last UpdatedApr 19, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY, 42104 3383
Other Vehicle Loans Used
10.00%
6 Years
▼
APR10.00%
Term6 Years
Last UpdatedApr 19, 2026
Details
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
8225 US HIGHWAY 60 W, LEWISPORT, KY, 42351 7082
Auto Loans 2022
10.25%
12-72
▼
APR10.25%
Term12-72
Last UpdatedApr 18, 2026
Details
C 639-600
Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
2017 & older Auto Loan
10.50%
60 Months
▼
APR10.50%
Term60 Months
Last UpdatedApr 18, 2026
Details
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
8225 US HIGHWAY 60 W, LEWISPORT, KY, 42351 7082
Auto Loans 2018-Older
10.50%
12-36
▼
APR10.50%
Term12-36
Last UpdatedApr 18, 2026
Details
B 679-640
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
8225 US HIGHWAY 60 W, LEWISPORT, KY, 42351 7082
Auto Loans 2023-2026
10.50%
84 Months
▼
APR10.50%
Term84 Months
Last UpdatedApr 18, 2026
Details
C 639-600
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.44%
820 W Broadway, Louisville, KY, 40202
Autos C
10.99%
up to 48
▼
APR10.99%
Termup to 48
Last UpdatedApr 18, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY, 42104 3383
Other Vehicle Loans Used
11.00%
7 Years
▼
APR11.00%
Term7 Years
Last UpdatedApr 19, 2026
Details
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.44%
820 W Broadway, Louisville, KY, 40202
Autos C
11.24%
61 to 72
▼
APR11.24%
Term61 to 72
Last UpdatedApr 18, 2026
Details
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
8225 US HIGHWAY 60 W, LEWISPORT, KY, 42351 7082
Auto Loans 2018-Older
11.50%
12-36
▼
APR11.50%
Term12-36
Last UpdatedApr 18, 2026
Details
C 639-600
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
8225 US HIGHWAY 60 W, LEWISPORT, KY, 42351 7082
Auto Loans 2023-2026
11.50%
60 Months
▼
APR11.50%
Term60 Months
Last UpdatedApr 18, 2026
Details
D-90% LTV 599-555
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.44%
820 W Broadway, Louisville, KY, 40202
Autos C
11.99%
73 to 84
▼
APR11.99%
Term73 to 84
Last UpdatedApr 18, 2026
Details
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
8225 US HIGHWAY 60 W, LEWISPORT, KY, 42351 7082
Auto Loans 2023-2026
12.00%
72 Months
▼
APR12.00%
Term72 Months
Last UpdatedApr 18, 2026
Details
D-90% LTV 599-555
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
8225 US HIGHWAY 60 W, LEWISPORT, KY, 42351 7082
Auto Loans 2022
12.25%
12-72
▼
APR12.25%
Term12-72
Last UpdatedApr 18, 2026
Details
D-90% LTV 599-555
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.44%
820 W Broadway, Louisville, KY, 40202
Autos D
12.99%
up to 48
▼
APR12.99%
Termup to 48
Last UpdatedApr 18, 2026
Details
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
8225 US HIGHWAY 60 W, LEWISPORT, KY, 42351 7082
Auto Loans 2018-Older
13.00%
12-36
▼
APR13.00%
Term12-36
Last UpdatedApr 18, 2026
Details
D-90% LTV 599-555
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
8225 US HIGHWAY 60 W, LEWISPORT, KY, 42351 7082
Auto Loans 2019-2021
13.00%
12-60
▼
APR13.00%
Term12-60
Last UpdatedApr 18, 2026
Details
D-90% LTV 599-555
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
8225 US HIGHWAY 60 W, LEWISPORT, KY, 42351 7082
Auto Loans 2023-2026
13.00%
84 Months
▼
APR13.00%
Term84 Months
Last UpdatedApr 18, 2026
Details
D-90% LTV 599-555
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.44%
820 W Broadway, Louisville, KY, 40202
Autos D
13.24%
61 to 72
▼
APR13.24%
Term61 to 72
Last UpdatedApr 18, 2026
Details
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.44%
820 W Broadway, Louisville, KY, 40202
Autos D
13.99%
73 to 84
▼
APR13.99%
Term73 to 84
Last UpdatedApr 18, 2026
Details
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
8225 US HIGHWAY 60 W, LEWISPORT, KY, 42351 7082
Auto Loans 2018-Older
15.00%
12-36
▼
APR15.00%
Term12-36
Last UpdatedApr 18, 2026
Details
E-85% LTV 554 >
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.44%
820 W Broadway, Louisville, KY, 40202
Autos E
15.99%
up to 48
▼
APR15.99%
Termup to 48
Last UpdatedApr 18, 2026
Details
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.44%
820 W Broadway, Louisville, KY, 40202
Autos E
16.24%
61 to 72
▼
APR16.24%
Term61 to 72
Last UpdatedApr 18, 2026
Details
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.44%
820 W Broadway, Louisville, KY, 40202
Autos E
16.99%
73 to 84
▼
APR16.99%
Term73 to 84
Last UpdatedApr 18, 2026
Details
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
8225 US HIGHWAY 60 W, LEWISPORT, KY, 42351 7082
Auto Loans 2023-2026
17.00%
60 Months
▼
APR17.00%
Term60 Months
Last UpdatedApr 18, 2026
Details
E-85% LTV 554 >
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
8225 US HIGHWAY 60 W, LEWISPORT, KY, 42351 7082
Auto Loans 2022
17.25%
12-72
▼
APR17.25%
Term12-72
Last UpdatedApr 18, 2026
Details
E-85% LTV 554 >
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
8225 US HIGHWAY 60 W, LEWISPORT, KY, 42351 7082
Auto Loans 2023-2026
17.50%
72 Months
▼
APR17.50%
Term72 Months
Last UpdatedApr 18, 2026
Details
E-85% LTV 554 >
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
8225 US HIGHWAY 60 W, LEWISPORT, KY, 42351 7082
Auto Loans 2019-2021
18.00%
12-60
▼
APR18.00%
Term12-60
Last UpdatedApr 18, 2026
Details
E-85% LTV 554 >
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
8225 US HIGHWAY 60 W, LEWISPORT, KY, 42351 7082
Auto Loans 2023-2026
18.00%
84 Months
▼
APR18.00%
Term84 Months
Last UpdatedApr 18, 2026
Details
E-85% LTV 554 >
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
2557 Sir Barton Way, Lexington, KY, 40509
New/Used Vehicle
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
New Auto Loan
4.00%
24-month
▼
APR4.00%
Term24-month
Last UpdatedApr 18, 2026
Details
AUTO (New or 1 year old with less than 20000 miles)
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
New Auto Loan
4.25%
36-month
▼
APR4.25%
Term36-month
Last UpdatedApr 18, 2026
Details
AUTO (New or 1 year old with less than 20000 miles)
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave, Ashland, KY, 41101 7514
New Cars and Trucks
4.30%
4 years
▼
APR4.30%
Term4 years
Last UpdatedApr 18, 2026
Details
As Low As
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave, Ashland, KY, 41101 7514
New Cars and Trucks
4.39%
3 years
▼
APR4.39%
Term3 years
Last UpdatedApr 18, 2026
Details
As Low As
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave, Ashland, KY, 41101 7514
New Cars and Trucks
4.49%
5 years
▼
APR4.49%
Term5 years
Last UpdatedApr 18, 2026
Details
As Low As
CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY, 40219 1917
Auto Loans 2022 or newer
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
New Auto Loan
4.50%
48-month
▼
APR4.50%
Term48-month
Last UpdatedApr 18, 2026
Details
AUTO (New or 1 year old with less than 20000 miles)
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
1420 Gardiner Ln Rm 66, Louisville, KY, 40231 8900
New Auto
4.69%
48 Months
▼
APR4.69%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
9711 Linn Station Rd, Louisville, KY, 40223 3804
Newer (2023-2026) Auto Loans
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
9600 Ormsby Station Rd, Louisville, KY, 40223 4008
Auto Loans - Cars, Trucks, SUVs & Vans (years 2017 & Newer)
4.74%
0 - 59
▼
APR4.74%
Term0 - 59
Last UpdatedApr 18, 2026
Details
As Low As
CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY, 40219 1917
Auto Loans 2022 or newer
4.74%
63 Months
▼
APR4.74%
Term63 Months
Last UpdatedApr 19, 2026
Details
Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
2024-2026 New & Used Auto Loan
4.75%
12 - 36
▼
APR4.75%
Term12 - 36
Last UpdatedApr 18, 2026
Details
As Low As
KUE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
1 Quality St, Lexington, KY, 40507 1428
New Vehicle Loan
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As; Up to 48 months
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
New Auto Loan
4.75%
60-month
▼
APR4.75%
Term60-month
Last UpdatedApr 18, 2026
Details
AUTO (New or 1 year old with less than 20000 miles)
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
1420 Gardiner Ln Rm 66, Louisville, KY, 40231 8900
New Auto
4.79%
60 Months
▼
APR4.79%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
1300 CENTRAL AVE, ASHLAND, KY, 41101 7550
New & Used Automobiles
4.91%
61-72
▼
APR4.91%
Term61-72
Last UpdatedApr 19, 2026
Details
As Low As
Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
1300 CENTRAL AVE, ASHLAND, KY, 41101 7550
New & Used Automobiles
4.95%
49-60
▼
APR4.95%
Term49-60
Last UpdatedApr 19, 2026
Details
As Low As
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave, Ashland, KY, 41101 7514
New Cars and Trucks
4.95%
6 years
▼
APR4.95%
Term6 years
Last UpdatedApr 18, 2026
Details
As Low As
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
9711 Linn Station Rd, Louisville, KY, 40223 3804
Newer (2023-2026) Auto Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
9600 Ormsby Station Rd, Louisville, KY, 40223 4008
Auto Loans - Cars, Trucks, SUVs & Vans (years 2017 & Newer)
4.99%
60 - 74
▼
APR4.99%
Term60 - 74
Last UpdatedApr 18, 2026
Details
As Low As
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
2557 Sir Barton Way, Lexington, KY, 40509
New/Used Vehicle
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedApr 18, 2026
Details
As Low As
Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
1300 CENTRAL AVE, ASHLAND, KY, 41101 7550
New & Used Automobiles
4.99%
37-48
▼
APR4.99%
Term37-48
Last UpdatedApr 19, 2026
Details
As Low As
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
New/Used Cars, 2023 and newer models
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; Up to 48 months
CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY, 40219 1917
Auto Loans 2022 or newer
4.99%
75 Months
▼
APR4.99%
Term75 Months
Last UpdatedApr 19, 2026
Details
Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
2024-2026 New & Used Auto Loan
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY, 42104 3383
Other Vehicle Loans New
5.00%
1 Year
▼
APR5.00%
Term1 Year
Last UpdatedApr 19, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
1300 CENTRAL AVE, ASHLAND, KY, 41101 7550
New & Used Automobiles
5.07%
0-36
▼
APR5.07%
Term0-36
Last UpdatedApr 19, 2026
Details
As Low As; Vehicles older than 7 years prior to current year receive the "Classic" rate.
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
2557 Sir Barton Way, Lexington, KY, 40509
New/Used Vehicle
5.24%
75 Months
▼
APR5.24%
Term75 Months
Last UpdatedApr 18, 2026
Details
As Low As
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
New Auto Loan
5.25%
72-month
▼
APR5.25%
Term72-month
Last UpdatedApr 18, 2026
Details
AUTO (New or 1 year old with less than 20000 miles)
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
New/Used Cars, 2023 and newer models
5.39%
63 Months
▼
APR5.39%
Term63 Months
Last UpdatedApr 19, 2026
Details
As Low As; Up to 63 months
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
417 High St, Frankfort, KY, 40601
New Auto Loans
5.49%
1-48
▼
APR5.49%
Term1-48
Last UpdatedApr 18, 2026
Details
As Low As
CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY, 40219 1917
Auto Loans 2022 or newer
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedApr 19, 2026
Details
Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
2024-2026 New & Used Auto Loan
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
KUE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
1 Quality St, Lexington, KY, 40507 1428
New Vehicle Loan
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As; 49 to 60 months
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
1420 Gardiner Ln Rm 66, Louisville, KY, 40231 8900
New Auto
5.69%
84 Months
▼
APR5.69%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
9711 Linn Station Rd, Louisville, KY, 40223 3804
Newer (2023-2026) Auto Loans
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Toyota Motor Manufacturing, Hebron, KY, 41048
New & Used Vehicles2
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 18, 2026
Details
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
417 High St, Frankfort, KY, 40601
New Auto Loans
5.74%
49-63
▼
APR5.74%
Term49-63
Last UpdatedApr 18, 2026
Details
As Low As
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
New Auto Loan
5.75%
84-month
▼
APR5.75%
Term84-month
Last UpdatedApr 18, 2026
Details
AUTO (New or 1 year old with less than 20000 miles)
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
New/Used Cars, 2023 and newer models
5.79%
75 Months
▼
APR5.79%
Term75 Months
Last UpdatedApr 19, 2026
Details
As Low As; 64 to 75 months
Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
1300 CENTRAL AVE, ASHLAND, KY, 41101 7550
New & Used Automobiles
5.89%
73-84
▼
APR5.89%
Term73-84
Last UpdatedApr 19, 2026
Details
As Low As
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave, Ashland, KY, 41101 7514
New Cars and Trucks
5.93%
7 years
▼
APR5.93%
Term7 years
Last UpdatedApr 18, 2026
Details
As Low As
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
2557 Sir Barton Way, Lexington, KY, 40509
New/Used Vehicle
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
New/Used Cars, 2023 and newer models
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
2024-2026 New & Used Auto Loan
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY, 42104 3383
Other Vehicle Loans New
6.00%
2 Years
▼
APR6.00%
Term2 Years
Last UpdatedApr 19, 2026
Details
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
417 High St, Frankfort, KY, 40601
New Auto Loans
6.24%
64-75
▼
APR6.24%
Term64-75
Last UpdatedApr 18, 2026
Details
As Low As
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
New/Used Cars, 2023 and newer models
6.39%
49 to 63
▼
APR6.39%
Term49 to 63
Last UpdatedApr 19, 2026
Details
As Low As
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
2557 Sir Barton Way, Lexington, KY, 40509
New/Used Vehicle
6.49%
89 Months
▼
APR6.49%
Term89 Months
Last UpdatedApr 18, 2026
Details
As Low As
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
New/Used Cars, 2023 and newer models
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As; 76 to 84 months**
Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
2024-2026 New & Used Auto Loan
6.50%
84 Months
▼
APR6.50%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY, 42104 3383
Other Vehicle Loans New
6.50%
3 Years
▼
APR6.50%
Term3 Years
Last UpdatedApr 19, 2026
Details
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
417 High St, Frankfort, KY, 40601
New Auto Loans
6.74%
76-84
▼
APR6.74%
Term76-84
Last UpdatedApr 18, 2026
Details
As Low As
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
New/Used Cars, 2023 and newer models
6.79%
64 to 75
▼
APR6.79%
Term64 to 75
Last UpdatedApr 19, 2026
Details
As Low As
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
9711 Linn Station Rd, Louisville, KY, 40223 3804
Newer (2023-2026) Auto Loans
6.99%
84 Months
▼
APR6.99%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY, 42104 3383
Other Vehicle Loans New
7.00%
4 Years
▼
APR7.00%
Term4 Years
Last UpdatedApr 19, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
New/Used Cars, 2023 and newer models
7.49%
76 to 84
▼
APR7.49%
Term76 to 84
Last UpdatedApr 19, 2026
Details
As Low As
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
9600 Ormsby Station Rd, Louisville, KY, 40223 4008
Auto Loans - Cars, Trucks, SUVs & Vans (years 2017 & Newer)
7.74%
75- 84
▼
APR7.74%
Term75- 84
Last UpdatedApr 18, 2026
Details
As Low As
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY, 41042 4894
New and Used Small Vehicle Loans
8.00%
Up to 12 months
▼
APR8.00%
TermUp to 12 months
Last UpdatedApr 19, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY, 42104 3383
Other Vehicle Loans New
8.00%
5 Years
▼
APR8.00%
Term5 Years
Last UpdatedApr 19, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY, 41042 4894
New and Used Small Vehicle Loans
8.25%
24 months
▼
APR8.25%
Term24 months
Last UpdatedApr 19, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY, 41042 4894
New and Used Small Vehicle Loans
8.50%
36 months
▼
APR8.50%
Term36 months
Last UpdatedApr 19, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY, 41042 4894
New and Used Small Vehicle Loans
8.75%
48 months
▼
APR8.75%
Term48 months
Last UpdatedApr 19, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY, 41042 4894
New and Used Small Vehicle Loans
9.00%
60 months
▼
APR9.00%
Term60 months
Last UpdatedApr 19, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY, 42104 3383
Other Vehicle Loans New
9.00%
6 Years
▼
APR9.00%
Term6 Years
Last UpdatedApr 19, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY, 42104 3383
Other Vehicle Loans New
10.00%
7 Years
▼
APR10.00%
Term7 Years
Last UpdatedApr 19, 2026
Details
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
2557 Sir Barton Way, Lexington, KY, 40509
New/Used Vehicle
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave, Ashland, KY, 41101 7514
Used Cars and Trucks
4.30%
4 years
▼
APR4.30%
Term4 years
Last UpdatedApr 18, 2026
Details
As Low As
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave, Ashland, KY, 41101 7514
Used Cars and Trucks
4.39%
3 years
▼
APR4.39%
Term3 years
Last UpdatedApr 18, 2026
Details
As Low As
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave, Ashland, KY, 41101 7514
Used Cars and Trucks
4.49%
5 years
▼
APR4.49%
Term5 years
Last UpdatedApr 18, 2026
Details
As Low As
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
Used Auto Loan
4.50%
24-month
▼
APR4.50%
Term24-month
Last UpdatedApr 18, 2026
Details
Used Auto up to 10 years old
Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
2024-2026 New & Used Auto Loan
4.75%
12 - 36
▼
APR4.75%
Term12 - 36
Last UpdatedApr 18, 2026
Details
As Low As
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
Used Auto Loan
4.75%
36-month
▼
APR4.75%
Term36-month
Last UpdatedApr 18, 2026
Details
Used Auto up to 10 years old
Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
1300 CENTRAL AVE, ASHLAND, KY, 41101 7550
New & Used Automobiles
4.91%
61-72
▼
APR4.91%
Term61-72
Last UpdatedApr 19, 2026
Details
As Low As
Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
1300 CENTRAL AVE, ASHLAND, KY, 41101 7550
New & Used Automobiles
4.95%
49-60
▼
APR4.95%
Term49-60
Last UpdatedApr 19, 2026
Details
As Low As
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave, Ashland, KY, 41101 7514
Used Cars and Trucks
4.95%
6 years
▼
APR4.95%
Term6 years
Last UpdatedApr 18, 2026
Details
As Low As
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
2557 Sir Barton Way, Lexington, KY, 40509
New/Used Vehicle
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedApr 18, 2026
Details
As Low As
Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
1300 CENTRAL AVE, ASHLAND, KY, 41101 7550
New & Used Automobiles
4.99%
37-48
▼
APR4.99%
Term37-48
Last UpdatedApr 19, 2026
Details
As Low As
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
1420 Gardiner Ln Rm 66, Louisville, KY, 40231 8900
Used Auto
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
New/Used Cars, 2023 and newer models
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; Up to 48 months
Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
2024-2026 New & Used Auto Loan
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
Used Auto Loan
5.00%
48-month
▼
APR5.00%
Term48-month
Last UpdatedApr 18, 2026
Details
Used Auto up to 10 years old
Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
1300 CENTRAL AVE, ASHLAND, KY, 41101 7550
New & Used Automobiles
5.07%
0-36
▼
APR5.07%
Term0-36
Last UpdatedApr 19, 2026
Details
As Low As; Vehicles older than 7 years prior to current year receive the "Classic" rate.
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
1420 Gardiner Ln Rm 66, Louisville, KY, 40231 8900
Used Auto
5.09%
60 Months
▼
APR5.09%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
9711 Linn Station Rd, Louisville, KY, 40223 3804
Used (2019 - 2022) Auto Loans
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
2557 Sir Barton Way, Lexington, KY, 40509
New/Used Vehicle
5.24%
75 Months
▼
APR5.24%
Term75 Months
Last UpdatedApr 18, 2026
Details
As Low As
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
Used Auto Loan
5.25%
60-month
▼
APR5.25%
Term60-month
Last UpdatedApr 18, 2026
Details
Used Auto up to 10 years old
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
New/Used Cars, 2023 and newer models
5.39%
63 Months
▼
APR5.39%
Term63 Months
Last UpdatedApr 19, 2026
Details
As Low As; Up to 63 months
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
9711 Linn Station Rd, Louisville, KY, 40223 3804
Used (2019 - 2022) Auto Loans
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
2024-2026 New & Used Auto Loan
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Toyota Motor Manufacturing, Hebron, KY, 41048
New & Used Vehicles2
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 18, 2026
Details
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
417 High St, Frankfort, KY, 40601
Used Auto Loans
5.74%
1-48
▼
APR5.74%
Term1-48
Last UpdatedApr 18, 2026
Details
As Low As
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
Used Auto Loan
5.75%
72-month
▼
APR5.75%
Term72-month
Last UpdatedApr 18, 2026
Details
Used Auto up to 10 years old
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY, 42104 3383
Other Vehicle Loans Used
5.75%
1 Year
▼
APR5.75%
Term1 Year
Last UpdatedApr 19, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
New/Used Cars, 2023 and newer models
5.79%
75 Months
▼
APR5.79%
Term75 Months
Last UpdatedApr 19, 2026
Details
As Low As; 64 to 75 months
Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
1300 CENTRAL AVE, ASHLAND, KY, 41101 7550
New & Used Automobiles
5.89%
73-84
▼
APR5.89%
Term73-84
Last UpdatedApr 19, 2026
Details
As Low As
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
Used Cars, 2019 through 2022 models
5.89%
63 Months
▼
APR5.89%
Term63 Months
Last UpdatedApr 19, 2026
Details
As Low As; Up to 63 months
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave, Ashland, KY, 41101 7514
Used Cars and Trucks
5.93%
7 years
▼
APR5.93%
Term7 years
Last UpdatedApr 18, 2026
Details
As Low As
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
2557 Sir Barton Way, Lexington, KY, 40509
New/Used Vehicle
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
1420 Gardiner Ln Rm 66, Louisville, KY, 40231 8900
Used Auto
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
New/Used Cars, 2023 and newer models
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
2024-2026 New & Used Auto Loan
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
417 High St, Frankfort, KY, 40601
Used Auto Loans
6.24%
49-63
▼
APR6.24%
Term49-63
Last UpdatedApr 18, 2026
Details
As Low As
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
Used Auto Loan
6.25%
84-month
▼
APR6.25%
Term84-month
Last UpdatedApr 18, 2026
Details
Used Auto up to 10 years old, over $20,000
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
Used Cars, 2019 through 2022 models
6.29%
75 Months
▼
APR6.29%
Term75 Months
Last UpdatedApr 19, 2026
Details
As Low As; 64 to 75 months
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
New/Used Cars, 2023 and newer models
6.39%
49 to 63
▼
APR6.39%
Term49 to 63
Last UpdatedApr 19, 2026
Details
As Low As
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
9711 Linn Station Rd, Louisville, KY, 40223 3804
Used (2019 - 2022) Auto Loans
6.49%
72 Months
▼
APR6.49%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
2557 Sir Barton Way, Lexington, KY, 40509
New/Used Vehicle
6.49%
89 Months
▼
APR6.49%
Term89 Months
Last UpdatedApr 18, 2026
Details
As Low As
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
New/Used Cars, 2023 and newer models
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As; 76 to 84 months**
Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
2024-2026 New & Used Auto Loan
6.50%
84 Months
▼
APR6.50%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
Used Auto Loan
6.50%
24-month
▼
APR6.50%
Term24-month
Last UpdatedApr 18, 2026
Details
Used auto over 10 years old
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
Used Cars, 2018 and older models
6.54%
63 Months
▼
APR6.54%
Term63 Months
Last UpdatedApr 19, 2026
Details
As Low As; Up to 63 months
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
417 High St, Frankfort, KY, 40601
Used Auto Loans
6.74%
64-75
▼
APR6.74%
Term64-75
Last UpdatedApr 18, 2026
Details
As Low As
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY, 42104 3383
Other Vehicle Loans Used
6.75%
2 Years
▼
APR6.75%
Term2 Years
Last UpdatedApr 19, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
New/Used Cars, 2023 and newer models
6.79%
64 to 75
▼
APR6.79%
Term64 to 75
Last UpdatedApr 19, 2026
Details
As Low As
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
Used Cars, 2019 through 2022 models
6.89%
63 Months
▼
APR6.89%
Term63 Months
Last UpdatedApr 19, 2026
Details
As Low As
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
Used Cars, 2019 through 2022 models
6.99%
84 Months
▼
APR6.99%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As; 76 to 84 months**
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
Used Auto Loan
7.00%
36-month
▼
APR7.00%
Term36-month
Last UpdatedApr 18, 2026
Details
Used auto over 10 years old
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY, 42104 3383
Other Vehicle Loans Used
7.00%
3 Years
▼
APR7.00%
Term3 Years
Last UpdatedApr 19, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
Used Cars, 2018 and older models
7.04%
75 Months
▼
APR7.04%
Term75 Months
Last UpdatedApr 19, 2026
Details
As Low As; 64 to 75 months***
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
417 High St, Frankfort, KY, 40601
Used Auto Loans
7.24%
76-84
▼
APR7.24%
Term76-84
Last UpdatedApr 18, 2026
Details
As Low As
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
Used Cars, 2019 through 2022 models
7.29%
64 to 75
▼
APR7.29%
Term64 to 75
Last UpdatedApr 19, 2026
Details
As Low As
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
New/Used Cars, 2023 and newer models
7.49%
76 to 84
▼
APR7.49%
Term76 to 84
Last UpdatedApr 19, 2026
Details
As Low As
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
Used Auto Loan
7.50%
48-month
▼
APR7.50%
Term48-month
Last UpdatedApr 18, 2026
Details
Used auto over 10 years old
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
Used Cars, 2018 and older models
7.54%
63 Months
▼
APR7.54%
Term63 Months
Last UpdatedApr 19, 2026
Details
As Low As
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
9711 Linn Station Rd, Louisville, KY, 40223 3804
Used (2019 - 2022) Auto Loans
7.74%
84 Months
▼
APR7.74%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
Used Cars, 2019 through 2022 models
7.99%
76 to 84
▼
APR7.99%
Term76 to 84
Last UpdatedApr 19, 2026
Details
As Low As
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY, 41042 4894
New and Used Small Vehicle Loans
8.00%
Up to 12 months
▼
APR8.00%
TermUp to 12 months
Last UpdatedApr 19, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY, 42104 3383
Other Vehicle Loans Used
8.00%
4 Years
▼
APR8.00%
Term4 Years
Last UpdatedApr 19, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
Used Cars, 2018 and older models
8.04%
64 to 75
▼
APR8.04%
Term64 to 75
Last UpdatedApr 19, 2026
Details
As Low As
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY, 41042 4894
New and Used Small Vehicle Loans
8.25%
24 months
▼
APR8.25%
Term24 months
Last UpdatedApr 19, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY, 41042 4894
New and Used Small Vehicle Loans
8.50%
36 months
▼
APR8.50%
Term36 months
Last UpdatedApr 19, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY, 41042 4894
New and Used Small Vehicle Loans
8.75%
48 months
▼
APR8.75%
Term48 months
Last UpdatedApr 19, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY, 41042 4894
New and Used Small Vehicle Loans
9.00%
60 months
▼
APR9.00%
Term60 months
Last UpdatedApr 19, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY, 42104 3383
Other Vehicle Loans Used
9.00%
5 Years
▼
APR9.00%
Term5 Years
Last UpdatedApr 19, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY, 42104 3383
Other Vehicle Loans Used
10.00%
6 Years
▼
APR10.00%
Term6 Years
Last UpdatedApr 19, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY, 42104 3383
Other Vehicle Loans Used
11.00%
7 Years
▼
APR11.00%
Term7 Years
Last UpdatedApr 19, 2026
Details
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MonitorBankRates
Kentucky Auto Loan Rate Trends
Compare local Kentucky auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New Auto Loan — KY Avg
5.738%
▼ 0.403 vs 7 days ago
Kentucky new auto rates fell 0.403 points over the past 7 days to 5.738% APR.
Used Auto Loan — KY Avg
6.039%
▼ 0.889 vs 7 days ago
Kentucky used auto rates fell 0.889 points over the past 7 days to 6.039% APR.
As of Apr 23, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in Kentucky
How does my credit score affect my car loan rate in Kentucky?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Kentucky with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.
Is it better to finance through a dealership or a bank?
It is highly recommended to get pre-approved through a local bank or credit union in Kentucky *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.
What is the difference between New and Used Auto Loan rates?
Lenders in Kentucky typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
What are the best Auto Loan rates in Kentucky?
Based on our current data, some of the lowest auto loan rates available in Kentucky include:
- University of Kentucky Federal Credit Union: 3.99% (New/Used Vehicle)
- Morehead Community Federal Credit Union: 4.00% (New Auto Loan)
- Desco Federal Credit Union: 4.30% (New Cars and Trucks)
- CLASS ACT: 4.49% (Auto Loans 2022 or newer)
- Louisville Federal Credit Union: 4.69% (New Auto)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Kentucky. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 19, 2026
Auto Loan Rates by City in Kentucky
Rate Assistant
MonitorBankRates.com · Live Data
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