Auto Loan Rates in Owensboro, Kentucky (KY) for April 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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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 Owensboro, Kentucky. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Owensboro, Kentucky include Modern Employees Federal Credit UnionModern Employees Federal Credit Union1727 Moseley St, Owensboro, KY, 42303 3830A+5.0 ★Texas Ratio: 2.24% offering 2022 - 2025 Auto Loan at 5.31%, Liberty Federal Credit UnionLiberty Federal Credit Union2820 N York St, Owensboro, KY, 42301 3344A+5.0 ★Texas Ratio: 2.09% offering Auto Loans 2022 at 6.49%, University of Kentucky Federal Credit UnionUniversity of Kentucky Federal Credit UnionA5.0 ★Texas Ratio: 7.63% offering New/Used Vehicle at 3.99%, Morehead Community Federal Credit UnionMorehead Community Federal Credit UnionA+5.0 ★Texas Ratio: 0.69% offering New Auto Loan at 4.00%, Desco Federal Credit UnionDesco Federal Credit UnionA+5.0 ★Texas Ratio: 2.81% offering New Cars and Trucks at 4.30%. Auto loan rates as of April 19, 2026 according to verified data from MonitorBankRates.
Owensboro has 2 local institutions in our database, with auto loan rates as low as 5.31% APR from Modern Employees Federal Credit Union at 1727 Moseley St, Owensboro, KY, 42303 3830. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Owensboro, Kentucky. Auto Loan Rates Last Updated and Verified: April 19, 2026
Compare Auto Loan Rates Today in Owensboro, Kentucky & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
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
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
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
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
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
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
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
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
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
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
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
Autos A+
5.99%
73 to 84
▼
APR5.99%
Term73 to 84
Last UpdatedApr 18, 2026
Details
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
Autos A
6.49%
73 to 84
▼
APR6.49%
Term73 to 84
Last UpdatedApr 18, 2026
Details
APR6.49%
Term61-72
Last UpdatedApr 19, 2026
Details
As Low As
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
Newer (2023-2026) Auto Loans
6.99%
84 Months
▼
APR6.99%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
APR6.99%
Term73-84
Last UpdatedApr 19, 2026
Details
As Low As
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
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%
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%
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%
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%
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%
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%
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%
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***
Park Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
Used Cars, 2018 and older models
8.04%
64 to 75
▼
APR8.04%
Term64 to 75
Last UpdatedApr 19, 2026
Details
As Low As
Park Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
Auto Loans 2023-2026
9.50%
72 Months
▼
APR9.50%
Term72 Months
Last UpdatedApr 18, 2026
Details
C 639-600
Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
Other Vehicle Loans Used
11.00%
7 Years
▼
APR11.00%
Term7 Years
Last UpdatedApr 19, 2026
Details
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MonitorBankRates
Owensboro, KY Auto Loan Rate Trends
Compare local Owensboro, KY 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 Owensboro, 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 Owensboro, 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 Owensboro, 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 Owensboro, Kentucky?
Based on our current data, some of the lowest auto loan rates available in Owensboro, Kentucky include:
- Modern Employees Federal Credit Union: 5.31% (2022 - 2025 Auto Loan)
- Liberty Federal Credit Union: 6.49% (Auto Loans 2022)
- 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)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Owensboro, Kentucky. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 19, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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