Auto Loan Rates in Sparta, Kentucky (KY) for July 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 Sparta, Kentucky. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Sparta, Kentucky include Southeast Financial Credit UnionSoutheast Financial Credit UnionA5.0 ★Texas Ratio: 9.30% offering New Auto at 3.50%, Owensboro Federal Credit UnionOwensboro Federal Credit UnionA+5.0 ★Texas Ratio: 0.78% offering Auto Loan at 3.75%, University of Kentucky Federal Credit UnionUniversity of Kentucky Federal Credit UnionA5.0 ★Texas Ratio: 7.03% offering New/Used Vehicle - Terms 36 Months or Less Loan at 3.99%, CLASS ACTCLASS ACTA+5.0 ★Texas Ratio: 4.37% offering Auto Loan New at 3.99%, Morehead Community Federal Credit UnionMorehead Community Federal Credit UnionA+5.0 ★Texas Ratio: 0.67% offering New Auto Loan at 4.00%. Auto loan rates as of July 16, 2026 according to verified data from MonitorBankRates.
Sparta borrowers have access to 19 lenders serving the Kentucky area, with auto loan rates as low as 3.50% APR from Southeast Financial Credit Union. 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 Sparta, Kentucky. Auto Loan Rates Last Updated and Verified: July 16, 2026
Compare Auto Loan Rates Today in Sparta, Kentucky & Surrounding Area
Sparta Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Auto
3.50%
1 year
▼
APR3.50%
Term1 year
Last UpdatedJul 11, 2026
Details
As Low As; New Auto
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Car & Truck Loans - 1 Year
3.50%
1 Year
▼
APR3.50%
Term1 Year
Last UpdatedJul 11, 2026
Details
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
Auto Loan
3.75%
48 MONTHS
▼
APR3.75%
Term48 MONTHS
Last UpdatedJul 15, 2026
Details
As Low As; Actual rate is determined by credit score
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.03%
New/Used Vehicle - Terms 36 Months or Less Loan
3.99%
36 Months or Less
▼
APR3.99%
Term36 Months or Less
Last UpdatedJul 15, 2026
Details
As Low As; *
APR3.99%
TermUp to 48 Months
Last UpdatedJul 16, 2026
Details
As Low As; View Rates
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Car & Truck Loans - 2 Years
4.00%
2 Years
▼
APR4.00%
Term2 Years
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Auto
4.00%
1 year
▼
APR4.00%
Term1 year
Last UpdatedJul 11, 2026
Details
As Low As; Used Auto
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Car & Truck Loans - 1 Year
4.00%
1 Year
▼
APR4.00%
Term1 Year
Last UpdatedJul 11, 2026
Details
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
Auto Loan
4.00%
60 MONTHS
▼
APR4.00%
Term60 MONTHS
Last UpdatedJul 15, 2026
Details
As Low As; Actual rate is determined by credit score
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
New Auto Loan
4.00%
24-month
▼
APR4.00%
Term24-month
Last UpdatedJul 15, 2026
Details
AUTO (New or 1 year old with less than 20000 miles); Fixed
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Car & Truck Loans - 3 Years
4.25%
3 Years
▼
APR4.25%
Term3 Years
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Car & Truck Loans - 2 Years
4.25%
2 Years
▼
APR4.25%
Term2 Years
Last UpdatedJul 11, 2026
Details
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
Auto Loan
4.25%
48 MONTHS
▼
APR4.25%
Term48 MONTHS
Last UpdatedJul 15, 2026
Details
As Low As; Actual rate is determined by credit score
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
New Auto Loan
4.25%
36-month
▼
APR4.25%
Term36-month
Last UpdatedJul 15, 2026
Details
AUTO (New or 1 year old with less than 20000 miles); Fixed
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Cars and Trucks Loan
4.30%
4 years
▼
APR4.30%
Term4 years
Last UpdatedJul 15, 2026
Details
As Low As
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Used Cars and Trucks Loan
4.30%
4 years
▼
APR4.30%
Term4 years
Last UpdatedJul 15, 2026
Details
As Low As
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Cars and Trucks Loan
4.39%
3 years
▼
APR4.39%
Term3 years
Last UpdatedJul 15, 2026
Details
As Low As
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Used Cars and Trucks Loan
4.39%
3 years
▼
APR4.39%
Term3 years
Last UpdatedJul 15, 2026
Details
As Low As
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Cars and Trucks Loan
4.49%
5 years
▼
APR4.49%
Term5 years
Last UpdatedJul 15, 2026
Details
As Low As
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Used Cars and Trucks Loan
4.49%
5 years
▼
APR4.49%
Term5 years
Last UpdatedJul 15, 2026
Details
As Low As
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Car & Truck Loans - 4 Years
4.50%
4 Years
▼
APR4.50%
Term4 Years
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Car & Truck Loans - 3 Years
4.50%
3 Years
▼
APR4.50%
Term3 Years
Last UpdatedJul 11, 2026
Details
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
Auto Loan
4.50%
72 MONTHS
▼
APR4.50%
Term72 MONTHS
Last UpdatedJul 15, 2026
Details
As Low As; Actual rate is determined by credit score
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
New Auto Loan
4.50%
48-month
▼
APR4.50%
Term48-month
Last UpdatedJul 15, 2026
Details
AUTO (New or 1 year old with less than 20000 miles); Fixed
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
Used Auto Loan
4.50%
24-month
▼
APR4.50%
Term24-month
Last UpdatedJul 15, 2026
Details
Used Auto up to 10 years old; Fixed
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Auto
4.69%
up to 48 Months
▼
APR4.69%
Termup to 48 Months
Last UpdatedJul 16, 2026
Details
Rates as low as:
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
Newer Auto Loan
4.74%
up to 48 months
▼
APR4.74%
Termup to 48 months
Last UpdatedJul 15, 2026
Details
As Low As; Newer (2023-2026)
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Auto Loans - Cars, Trucks, SUVs & Vans (years 2017 & Newer)
4.74%
0 - 59 Months
▼
APR4.74%
Term0 - 59 Months
Last UpdatedJul 15, 2026
Details
As Low As;*
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
Auto Loan
4.75%
72 MONTHS
▼
APR4.75%
Term72 MONTHS
Last UpdatedJul 15, 2026
Details
As Low As; Actual rate is determined by credit score
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
New Auto Loan
4.75%
60-month
▼
APR4.75%
Term60-month
Last UpdatedJul 15, 2026
Details
AUTO (New or 1 year old with less than 20000 miles); Fixed
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
Used Auto Loan
4.75%
36-month
▼
APR4.75%
Term36-month
Last UpdatedJul 15, 2026
Details
Used Auto up to 10 years old; Fixed
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Auto
4.79%
up to 60 Months
▼
APR4.79%
Termup to 60 Months
Last UpdatedJul 16, 2026
Details
Rates as low as:
Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.26%
New & Used Auto Loans
4.83%
72 Months
▼
APR4.83%
Term72 Months
Last UpdatedJul 16, 2026
Details
As Low As; Not all will qualify for lowest rate.
Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.26%
New & Used Automobiles 61-72 Months
4.83%
72 Months
▼
APR4.83%
Term72 Months
Last UpdatedJul 16, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.26%
New & Used Automobiles 49-60 Months
4.84%
60 Months
▼
APR4.84%
Term60 Months
Last UpdatedJul 16, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.26%
New & Used Automobiles 37-48 Months
4.87%
48 Months
▼
APR4.87%
Term48 Months
Last UpdatedJul 16, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.26%
New & Used Automobiles 0-36 Months
4.91%
36 Months
▼
APR4.91%
Term36 Months
Last UpdatedJul 16, 2026
Details
As Low As; Vehicles older than 7 years prior to current year receive the "Classic" rate.
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Cars and Trucks Loan
4.95%
6 years
▼
APR4.95%
Term6 years
Last UpdatedJul 15, 2026
Details
As Low As
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Used Cars and Trucks Loan
4.95%
6 years
▼
APR4.95%
Term6 years
Last UpdatedJul 15, 2026
Details
As Low As
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
Newer Auto Loan
4.99%
up to 60 months
▼
APR4.99%
Termup to 60 months
Last UpdatedJul 15, 2026
Details
As Low As; Newer (2023-2026)
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Auto Loans - Cars, Trucks, SUVs & Vans (years 2017 & Newer)
4.99%
60 - 74 Months
▼
APR4.99%
Term60 - 74 Months
Last UpdatedJul 15, 2026
Details
As Low As;*
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.03%
New/Used Vehicle - Terms 37 to 66 Months Loan
4.99%
37 to 66 Months
▼
APR4.99%
Term37 to 66 Months
Last UpdatedJul 15, 2026
Details
As Low As; *
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Auto
4.99%
up to 48 Months
▼
APR4.99%
Termup to 48 Months
Last UpdatedJul 16, 2026
Details
Rates as low as:
APR4.99%
TermUp to 84 Months
Last UpdatedJul 16, 2026
Details
As Low As; View Rates
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Car & Truck Loans - 5 Years
5.00%
5 Years
▼
APR5.00%
Term5 Years
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Vehicle Loan
5.00%
1 Year
▼
APR5.00%
Term1 Year
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Vehicle Loan - 1 Year
5.00%
1 Year
▼
APR5.00%
Term1 Year
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Car & Truck Loans - 4 Years
5.00%
4 Years
▼
APR5.00%
Term4 Years
Last UpdatedJul 11, 2026
Details
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
Auto Loan
5.00%
60 MONTHS
▼
APR5.00%
Term60 MONTHS
Last UpdatedJul 15, 2026
Details
As Low As; Actual rate is determined by credit score
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
Used Auto Loan
5.00%
48-month
▼
APR5.00%
Term48-month
Last UpdatedJul 15, 2026
Details
Used Auto up to 10 years old; Fixed
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Auto
5.09%
up to 60 Months
▼
APR5.09%
Termup to 60 Months
Last UpdatedJul 16, 2026
Details
Rates as low as:
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
Used Auto Loan
5.24%
up to 48 months
▼
APR5.24%
Termup to 48 months
Last UpdatedJul 15, 2026
Details
As Low As; Used (2019 - 2022)
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.03%
New/Used Vehicle - Terms 67 to 75 Months Loan
5.24%
67 to 75 Months
▼
APR5.24%
Term67 to 75 Months
Last UpdatedJul 15, 2026
Details
As Low As; *
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
Auto Loan
5.25%
66 MONTHS
▼
APR5.25%
Term66 MONTHS
Last UpdatedJul 15, 2026
Details
As Low As; Actual rate is determined by credit score
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
New Auto Loan
5.25%
72-month
▼
APR5.25%
Term72-month
Last UpdatedJul 15, 2026
Details
AUTO (New or 1 year old with less than 20000 miles); Fixed
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
Used Auto Loan
5.25%
60-month
▼
APR5.25%
Term60-month
Last UpdatedJul 15, 2026
Details
Used Auto up to 10 years old; Fixed
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
Used Auto Loan
5.49%
up to 60 months
▼
APR5.49%
Termup to 60 months
Last UpdatedJul 15, 2026
Details
As Low As; Used (2019 - 2022)
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
New Auto Loans
5.49%
1-48 months
▼
APR5.49%
Term1-48 months
Last UpdatedJul 16, 2026
Details
As Low As; Monthly Payment Example per $1,000 Borrowed: $23.26 based on a 48 month term
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
New Autos (2026 and 2027 models)
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedJul 16, 2026
Details
Reflects AutoPay .25% deduction
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Used Autos (1-3 Years)
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedJul 16, 2026
Details
Reflects AutoPay .25% deduction
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Used Autos (4-7 Years)
5.49%
Up to 72 Months
▼
APR5.49%
TermUp to 72 Months
Last UpdatedJul 16, 2026
Details
Reflects AutoPay .25% deduction
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Car & Truck Loans - 6 Years
5.50%
6 Years
▼
APR5.50%
Term6 Years
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Car & Truck Loans - 5 Years
5.50%
5 Years
▼
APR5.50%
Term5 Years
Last UpdatedJul 11, 2026
Details
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Auto
5.69%
up to 84 Months
▼
APR5.69%
Termup to 84 Months
Last UpdatedJul 16, 2026
Details
Rates as low as:
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.82%
New/Used Cars, 2023 and newer models, Up to 48 months Loan
5.74%
Up to 48 months
▼
APR5.74%
TermUp to 48 months
Last UpdatedJul 11, 2026
Details
As low as
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
Newer Auto Loan
5.74%
up to 72 months
▼
APR5.74%
Termup to 72 months
Last UpdatedJul 15, 2026
Details
As Low As; Newer (2023-2026)
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
New & Used Vehicles Loan
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedJul 15, 2026
Details
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
New Auto Loans
5.74%
49-63 months
▼
APR5.74%
Term49-63 months
Last UpdatedJul 16, 2026
Details
As Low As; Monthly Payment Example per $1,000 Borrowed: $18.43 based on a 63 month term
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Used Auto Loans
5.74%
1-48 months
▼
APR5.74%
Term1-48 months
Last UpdatedJul 16, 2026
Details
As Low As*
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Vehicle Loan
5.75%
1 Year
▼
APR5.75%
Term1 Year
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Vehicle Loan - 1 Year
5.75%
1 Year
▼
APR5.75%
Term1 Year
Last UpdatedJul 11, 2026
Details
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
New Auto Loan
5.75%
84-month
▼
APR5.75%
Term84-month
Last UpdatedJul 15, 2026
Details
AUTO (New or 1 year old with less than 20000 miles); Fixed
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
Used Auto Loan
5.75%
72-month
▼
APR5.75%
Term72-month
Last UpdatedJul 15, 2026
Details
Used Auto up to 10 years old; Fixed
Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.26%
New & Used Automobiles 73-84 Months
5.82%
84 Months
▼
APR5.82%
Term84 Months
Last UpdatedJul 16, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.82%
New/Used Cars, 2023 and newer models, Up to 63 months Loan
5.90%
Up to 63 months
▼
APR5.90%
TermUp to 63 months
Last UpdatedJul 11, 2026
Details
As low as
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Cars and Trucks Loan
5.93%
7 years
▼
APR5.93%
Term7 years
Last UpdatedJul 15, 2026
Details
As Low As
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Used Cars and Trucks Loan
5.93%
7 years
▼
APR5.93%
Term7 years
Last UpdatedJul 15, 2026
Details
As Low As
Transcend Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.91%
Auto Loan
5.94%
up to 60 months
▼
APR5.94%
Termup to 60 months
Last UpdatedJul 11, 2026
Details
As Low As*
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.88%
Auto Loan
5.99%
2020-2027
▼
APR5.99%
Term2020-2027
Last UpdatedJul 15, 2026
Details
Fixed; as low as
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.88%
Auto Loan 2020-2027
5.99%
2020-2027
▼
APR5.99%
Term2020-2027
Last UpdatedJul 15, 2026
Details
As Low As
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.03%
New/Used Vehicle - Terms 76 to 84 Months Loan
5.99%
76 to 84 Months
▼
APR5.99%
Term76 to 84 Months
Last UpdatedJul 15, 2026
Details
As Low As; *
Expree Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.66%
Auto Loans
5.99%
1-36 Months
▼
APR5.99%
Term1-36 Months
Last UpdatedJul 16, 2026
Details
As Low As
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Auto
5.99%
up to 72 Months
▼
APR5.99%
Termup to 72 Months
Last UpdatedJul 16, 2026
Details
Rates as low as:
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Vehicle Loan
6.00%
2 Years
▼
APR6.00%
Term2 Years
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Vehicle Loan - 2 Years
6.00%
2 Years
▼
APR6.00%
Term2 Years
Last UpdatedJul 11, 2026
Details
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
Auto Loan
6.00%
84 MONTHS
▼
APR6.00%
Term84 MONTHS
Last UpdatedJul 15, 2026
Details
As Low As; Actual rate is determined by credit score
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
2021 Used Auto
6.24%
63 Months
▼
APR6.24%
Term63 Months
Last UpdatedJul 6, 2026
Details
As Low As; Rate accurate as of July 6, 2026
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
New and Used Auto Loans
6.24%
Up to 63 Months
▼
APR6.24%
TermUp to 63 Months
Last UpdatedJul 6, 2026
Details
As Low As; Offer valid on applications now through August 31 when funded on or before August 31. Purchase and refinanced personal auto loans only with a maximum term of 72 months. Vehicles must be 2019 model year or newer. Not valid on motorcycle or RV loans. Minimum 670 credit score (TransUnion FICO Classic 08 model). All borrowers must be currently employed or receiving regular, monthly, verifiable income.
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
Used Auto
6.24%
Up to 63 Months
▼
APR6.24%
TermUp to 63 Months
Last UpdatedJul 6, 2026
Details
As Low As; Rate accurate as of July 6, 2026
Transcend Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.91%
Auto Loan
6.24%
up to 75 months
▼
APR6.24%
Termup to 75 months
Last UpdatedJul 11, 2026
Details
As Low As*
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
New Auto Loans
6.24%
64-75 months
▼
APR6.24%
Term64-75 months
Last UpdatedJul 16, 2026
Details
As Low As; Monthly Payment Example per $1,000 Borrowed: $16.14 based on a 75 month term
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Used Auto Loans
6.24%
49-63 months
▼
APR6.24%
Term49-63 months
Last UpdatedJul 16, 2026
Details
As Low As*
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
Used Auto Loan
6.25%
84-month
▼
APR6.25%
Term84-month
Last UpdatedJul 15, 2026
Details
Used Auto up to 10 years old, over $20,000; Fixed
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
Used Auto
6.33%
66 Months
▼
APR6.33%
Term66 Months
Last UpdatedJul 6, 2026
Details
As Low As; Rate accurate as of July 6, 2026
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
2020 Used Auto
6.38%
63 Months
▼
APR6.38%
Term63 Months
Last UpdatedJul 6, 2026
Details
As Low As; Rate accurate as of July 6, 2026
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
New and Used Auto Loans
6.38%
63 Months
▼
APR6.38%
Term63 Months
Last UpdatedJul 6, 2026
Details
As Low As; Offer valid on applications now through August 31 when funded on or before August 31. Purchase and refinanced personal auto loans only with a maximum term of 72 months. Vehicles must be 2019 model year or newer. Not valid on motorcycle or RV loans. Minimum 670 credit score (TransUnion FICO Classic 08 model). All borrowers must be currently employed or receiving regular, monthly, verifiable income.
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
Used Auto
6.38%
72 Months
▼
APR6.38%
Term72 Months
Last UpdatedJul 6, 2026
Details
As Low As; Rate accurate as of July 6, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
6.39%
Up to 12 months
▼
APR6.39%
TermUp to 12 months
Last UpdatedJul 16, 2026
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
2021 Used Auto
6.49%
66 Months
▼
APR6.49%
Term66 Months
Last UpdatedJul 6, 2026
Details
As Low As; Rate accurate as of July 6, 2026
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.82%
New/Used Cars, 2023 and newer models, 64 to 75 months Loan
6.49%
64 to 75 months
▼
APR6.49%
Term64 to 75 months
Last UpdatedJul 11, 2026
Details
As low as
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.82%
Used Cars, 2019 through 2022 models, Up to 63 months Loan
6.49%
Up to 63 months
▼
APR6.49%
TermUp to 63 months
Last UpdatedJul 11, 2026
Details
As low as
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
Used Auto Loan
6.49%
up to 72 months
▼
APR6.49%
Termup to 72 months
Last UpdatedJul 15, 2026
Details
As Low As; Used (2019 - 2022)
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.03%
New/Used Vehicle - Terms 85 to 89 Months Loan
6.49%
85 to 89 Months
▼
APR6.49%
Term85 to 89 Months
Last UpdatedJul 15, 2026
Details
As Low As; *
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Used Autos (8-10 Years)
6.49%
Up to 60 Months
▼
APR6.49%
TermUp to 60 Months
Last UpdatedJul 16, 2026
Details
Reflects AutoPay .25% deduction
Expree Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.66%
Auto Loans
6.49%
61-72 Months
▼
APR6.49%
Term61-72 Months
Last UpdatedJul 16, 2026
Details
As Low As
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Car & Truck Loans - 7 Years
6.50%
7 Years
▼
APR6.50%
Term7 Years
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Vehicle Loan
6.50%
3 Years
▼
APR6.50%
Term3 Years
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Vehicle Loan - 3 Years
6.50%
3 Years
▼
APR6.50%
Term3 Years
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Car & Truck Loans - 6 Years
6.50%
6 Years
▼
APR6.50%
Term6 Years
Last UpdatedJul 11, 2026
Details
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
Auto Loan
6.50%
60 MONTHS
▼
APR6.50%
Term60 MONTHS
Last UpdatedJul 15, 2026
Details
As Low As; Actual rate is determined by credit score
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
Used Auto Loan
6.50%
24-month
▼
APR6.50%
Term24-month
Last UpdatedJul 15, 2026
Details
Used auto over 10 years old; Fixed
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
2021 Used Auto
6.54%
72 Months
▼
APR6.54%
Term72 Months
Last UpdatedJul 6, 2026
Details
As Low As; Rate accurate as of July 6, 2026
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
2020 Used Auto
6.64%
66 Months
▼
APR6.64%
Term66 Months
Last UpdatedJul 6, 2026
Details
As Low As; Rate accurate as of July 6, 2026
Transcend Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.91%
Auto Loan
6.64%
up to 75 months
▼
APR6.64%
Termup to 75 months
Last UpdatedJul 11, 2026
Details
As Low As;*
Transcend Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.91%
Auto Loan
6.74%
up to 84 months
▼
APR6.74%
Termup to 84 months
Last UpdatedJul 11, 2026
Details
As Low As*
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
New Auto Loans
6.74%
76-84 months
▼
APR6.74%
Term76-84 months
Last UpdatedJul 16, 2026
Details
As Low As; Monthly Payment Example per $1,000 Borrowed: $14.97 based on a 84 month term
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Used Auto Loans
6.74%
64-75 months
▼
APR6.74%
Term64-75 months
Last UpdatedJul 16, 2026
Details
As Low As*
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Vehicle Loan
6.75%
2 Years
▼
APR6.75%
Term2 Years
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Vehicle Loan - 2 Years
6.75%
2 Years
▼
APR6.75%
Term2 Years
Last UpdatedJul 11, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
6.89%
72 months for $20,000 or more on boats, RVs, aircraft and motorcycle loans only
▼
APR6.89%
Term72 months for $20,000 or more on boats, RVs, aircraft and motorcycle loans only
Last UpdatedJul 16, 2026
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
2020 Used Auto
6.95%
72 Months
▼
APR6.95%
Term72 Months
Last UpdatedJul 6, 2026
Details
As Low As; Rate accurate as of July 6, 2026
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
Used Auto
6.99%
75 Months
▼
APR6.99%
Term75 Months
Last UpdatedJul 6, 2026
Details
As Low As; Rate accurate as of July 6, 2026
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.82%
Used Cars, 2019 through 2022 models, 64 to 75 months Loan
6.99%
64 to 75 months
▼
APR6.99%
Term64 to 75 months
Last UpdatedJul 11, 2026
Details
As low as
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.88%
Auto Loan
6.99%
2013-2019
▼
APR6.99%
Term2013-2019
Last UpdatedJul 15, 2026
Details
Fixed; as low as
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
Newer Auto Loan
6.99%
up to 84 months
▼
APR6.99%
Termup to 84 months
Last UpdatedJul 15, 2026
Details
As Low As; Newer (2023-2026)
Expree Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.66%
Auto Loans
6.99%
73-84 Months
▼
APR6.99%
Term73-84 Months
Last UpdatedJul 16, 2026
Details
As Low As
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Vehicle Loan
7.00%
4 Years
▼
APR7.00%
Term4 Years
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Vehicle Loan - 4 Years
7.00%
4 Years
▼
APR7.00%
Term4 Years
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Vehicle Loan
7.00%
3 Years
▼
APR7.00%
Term3 Years
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Vehicle Loan - 3 Years
7.00%
3 Years
▼
APR7.00%
Term3 Years
Last UpdatedJul 11, 2026
Details
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
Used Auto Loan
7.00%
36-month
▼
APR7.00%
Term36-month
Last UpdatedJul 15, 2026
Details
Used auto over 10 years old; Fixed
Transcend Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.91%
Auto Loan
7.14%
up to 84 months
▼
APR7.14%
Termup to 84 months
Last UpdatedJul 11, 2026
Details
As Low As;*
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.82%
New/Used Cars, 2023 and newer models, 76 to 84 months Loan
7.24%
76 to 84 months
▼
APR7.24%
Term76 to 84 months
Last UpdatedJul 11, 2026
Details
As low as
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.82%
Used Cars, 2018 and older models, Up to 63 months Loan
7.24%
Up to 63 months
▼
APR7.24%
TermUp to 63 months
Last UpdatedJul 11, 2026
Details
As low as
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Used Auto Loans
7.24%
76-84 months
▼
APR7.24%
Term76-84 months
Last UpdatedJul 16, 2026
Details
As Low As*
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
7.39%
84 months for $30,000 or more on boats, RVs, aircraft and motorcycle loans only
▼
APR7.39%
Term84 months for $30,000 or more on boats, RVs, aircraft and motorcycle loans only
Last UpdatedJul 16, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Car & Truck Loans - 7 Years
7.50%
7 Years
▼
APR7.50%
Term7 Years
Last UpdatedJul 11, 2026
Details
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
Used Auto Loan
7.50%
48-month
▼
APR7.50%
Term48-month
Last UpdatedJul 15, 2026
Details
Used auto over 10 years old; Fixed
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
7.59%
120 months for $50,000 or more on boats, RVs and aircraft loans only
▼
APR7.59%
Term120 months for $50,000 or more on boats, RVs and aircraft loans only
Last UpdatedJul 16, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.82%
Used Cars, 2018 and older models, 64 to 75 months Loan
7.74%
64 to 75 months
▼
APR7.74%
Term64 to 75 months
Last UpdatedJul 11, 2026
Details
As low as
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.82%
Used Cars, 2019 through 2022 models, 76 to 84 months Loan
7.74%
76 to 84 months
▼
APR7.74%
Term76 to 84 months
Last UpdatedJul 11, 2026
Details
As low as
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
Used Auto Loan
7.74%
up to 84 months
▼
APR7.74%
Termup to 84 months
Last UpdatedJul 15, 2026
Details
As Low As; Used (2019 - 2022)
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Auto Loans - Cars, Trucks, SUVs & Vans (years 2017 & Newer)
7.74%
75- 84 Months
▼
APR7.74%
Term75- 84 Months
Last UpdatedJul 15, 2026
Details
As Low As;*
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
7.79%
180 months for $75,000 or more on boats, RVs and aircraft loans only
▼
APR7.79%
Term180 months for $75,000 or more on boats, RVs and aircraft loans only
Last UpdatedJul 16, 2026
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
2021 Used Auto
7.87%
75 Months
▼
APR7.87%
Term75 Months
Last UpdatedJul 6, 2026
Details
As Low As; Rate accurate as of July 6, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
7.99%
240 months for $100,000 or more on boats, RVs and aircraft loans only
▼
APR7.99%
Term240 months for $100,000 or more on boats, RVs and aircraft loans only
Last UpdatedJul 16, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Vehicle Loan
8.00%
5 Years
▼
APR8.00%
Term5 Years
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Vehicle Loan - 5 Years
8.00%
5 Years
▼
APR8.00%
Term5 Years
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Vehicle Loan
8.00%
4 Years
▼
APR8.00%
Term4 Years
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Vehicle Loan - 4 Years
8.00%
4 Years
▼
APR8.00%
Term4 Years
Last UpdatedJul 11, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Small Vehicle Loans
8.00%
Up to 12 months
▼
APR8.00%
TermUp to 12 months
Last UpdatedJul 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Small Vehicle Loans
8.25%
24 months
▼
APR8.25%
Term24 months
Last UpdatedJul 16, 2026
Details
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Used Autos (10+ Years)
8.49%
Up to 48 Months
▼
APR8.49%
TermUp to 48 Months
Last UpdatedJul 16, 2026
Details
Reflects AutoPay .25% deduction
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Small Vehicle Loans
8.50%
36 months
▼
APR8.50%
Term36 months
Last UpdatedJul 16, 2026
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
2019 - Older Used Auto
8.74%
60 Months
▼
APR8.74%
Term60 Months
Last UpdatedJul 6, 2026
Details
As Low As; Rate accurate as of July 6, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Small Vehicle Loans
8.75%
48 months
▼
APR8.75%
Term48 months
Last UpdatedJul 16, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
Classic Vehicle Loans
8.99%
Up to 4 years
▼
APR8.99%
TermUp to 4 years
Last UpdatedJul 15, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Vehicle Loan
9.00%
6 Years
▼
APR9.00%
Term6 Years
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Vehicle Loan - 6 Years
9.00%
6 Years
▼
APR9.00%
Term6 Years
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Vehicle Loan
9.00%
5 Years
▼
APR9.00%
Term5 Years
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Vehicle Loan - 5 Years
9.00%
5 Years
▼
APR9.00%
Term5 Years
Last UpdatedJul 11, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Small Vehicle Loans
9.00%
60 months
▼
APR9.00%
Term60 months
Last UpdatedJul 16, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Vehicle Loan
10.00%
7 Years
▼
APR10.00%
Term7 Years
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Vehicle Loan - 7 Years
10.00%
7 Years
▼
APR10.00%
Term7 Years
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Vehicle Loan
10.00%
6 Years
▼
APR10.00%
Term6 Years
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Vehicle Loan - 6 Years
10.00%
6 Years
▼
APR10.00%
Term6 Years
Last UpdatedJul 11, 2026
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
2019 - Older Used Auto
10.15%
66 Months
▼
APR10.15%
Term66 Months
Last UpdatedJul 6, 2026
Details
As Low As; Rate accurate as of July 6, 2026
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Vehicle Loan
11.00%
7 Years
▼
APR11.00%
Term7 Years
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Vehicle Loan - 7 Years
11.00%
7 Years
▼
APR11.00%
Term7 Years
Last UpdatedJul 11, 2026
Details
Powered by
MonitorBankRates
Sparta New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Auto
3.50%
1 year
▼
APR3.50%
Term1 year
Last UpdatedJul 11, 2026
Details
As Low As; New Auto
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Car & Truck Loans - 1 Year
3.50%
1 Year
▼
APR3.50%
Term1 Year
Last UpdatedJul 11, 2026
Details
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.03%
New/Used Vehicle - Terms 36 Months or Less Loan
3.99%
36 Months or Less
▼
APR3.99%
Term36 Months or Less
Last UpdatedJul 15, 2026
Details
As Low As; *
APR3.99%
TermUp to 48 Months
Last UpdatedJul 16, 2026
Details
As Low As; View Rates
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Car & Truck Loans - 2 Years
4.00%
2 Years
▼
APR4.00%
Term2 Years
Last UpdatedJul 11, 2026
Details
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
New Auto Loan
4.00%
24-month
▼
APR4.00%
Term24-month
Last UpdatedJul 15, 2026
Details
AUTO (New or 1 year old with less than 20000 miles); Fixed
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Car & Truck Loans - 3 Years
4.25%
3 Years
▼
APR4.25%
Term3 Years
Last UpdatedJul 11, 2026
Details
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
New Auto Loan
4.25%
36-month
▼
APR4.25%
Term36-month
Last UpdatedJul 15, 2026
Details
AUTO (New or 1 year old with less than 20000 miles); Fixed
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Cars and Trucks Loan
4.30%
4 years
▼
APR4.30%
Term4 years
Last UpdatedJul 15, 2026
Details
As Low As
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Cars and Trucks Loan
4.39%
3 years
▼
APR4.39%
Term3 years
Last UpdatedJul 15, 2026
Details
As Low As
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Cars and Trucks Loan
4.49%
5 years
▼
APR4.49%
Term5 years
Last UpdatedJul 15, 2026
Details
As Low As
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Car & Truck Loans - 4 Years
4.50%
4 Years
▼
APR4.50%
Term4 Years
Last UpdatedJul 11, 2026
Details
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
New Auto Loan
4.50%
48-month
▼
APR4.50%
Term48-month
Last UpdatedJul 15, 2026
Details
AUTO (New or 1 year old with less than 20000 miles); Fixed
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Auto
4.69%
up to 48 Months
▼
APR4.69%
Termup to 48 Months
Last UpdatedJul 16, 2026
Details
Rates as low as:
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
Newer Auto Loan
4.74%
up to 48 months
▼
APR4.74%
Termup to 48 months
Last UpdatedJul 15, 2026
Details
As Low As; Newer (2023-2026)
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Auto Loans - Cars, Trucks, SUVs & Vans (years 2017 & Newer)
4.74%
0 - 59 Months
▼
APR4.74%
Term0 - 59 Months
Last UpdatedJul 15, 2026
Details
As Low As;*
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
New Auto Loan
4.75%
60-month
▼
APR4.75%
Term60-month
Last UpdatedJul 15, 2026
Details
AUTO (New or 1 year old with less than 20000 miles); Fixed
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Auto
4.79%
up to 60 Months
▼
APR4.79%
Termup to 60 Months
Last UpdatedJul 16, 2026
Details
Rates as low as:
Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.26%
New & Used Auto Loans
4.83%
72 Months
▼
APR4.83%
Term72 Months
Last UpdatedJul 16, 2026
Details
As Low As; Not all will qualify for lowest rate.
Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.26%
New & Used Automobiles 61-72 Months
4.83%
72 Months
▼
APR4.83%
Term72 Months
Last UpdatedJul 16, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.26%
New & Used Automobiles 49-60 Months
4.84%
60 Months
▼
APR4.84%
Term60 Months
Last UpdatedJul 16, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.26%
New & Used Automobiles 37-48 Months
4.87%
48 Months
▼
APR4.87%
Term48 Months
Last UpdatedJul 16, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.26%
New & Used Automobiles 0-36 Months
4.91%
36 Months
▼
APR4.91%
Term36 Months
Last UpdatedJul 16, 2026
Details
As Low As; Vehicles older than 7 years prior to current year receive the "Classic" rate.
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Cars and Trucks Loan
4.95%
6 years
▼
APR4.95%
Term6 years
Last UpdatedJul 15, 2026
Details
As Low As
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
Newer Auto Loan
4.99%
up to 60 months
▼
APR4.99%
Termup to 60 months
Last UpdatedJul 15, 2026
Details
As Low As; Newer (2023-2026)
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Auto Loans - Cars, Trucks, SUVs & Vans (years 2017 & Newer)
4.99%
60 - 74 Months
▼
APR4.99%
Term60 - 74 Months
Last UpdatedJul 15, 2026
Details
As Low As;*
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.03%
New/Used Vehicle - Terms 37 to 66 Months Loan
4.99%
37 to 66 Months
▼
APR4.99%
Term37 to 66 Months
Last UpdatedJul 15, 2026
Details
As Low As; *
APR4.99%
TermUp to 84 Months
Last UpdatedJul 16, 2026
Details
As Low As; View Rates
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Car & Truck Loans - 5 Years
5.00%
5 Years
▼
APR5.00%
Term5 Years
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Vehicle Loan
5.00%
1 Year
▼
APR5.00%
Term1 Year
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Vehicle Loan - 1 Year
5.00%
1 Year
▼
APR5.00%
Term1 Year
Last UpdatedJul 11, 2026
Details
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.03%
New/Used Vehicle - Terms 67 to 75 Months Loan
5.24%
67 to 75 Months
▼
APR5.24%
Term67 to 75 Months
Last UpdatedJul 15, 2026
Details
As Low As; *
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
New Auto Loan
5.25%
72-month
▼
APR5.25%
Term72-month
Last UpdatedJul 15, 2026
Details
AUTO (New or 1 year old with less than 20000 miles); Fixed
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
New Auto Loans
5.49%
1-48 months
▼
APR5.49%
Term1-48 months
Last UpdatedJul 16, 2026
Details
As Low As; Monthly Payment Example per $1,000 Borrowed: $23.26 based on a 48 month term
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
New Autos (2026 and 2027 models)
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedJul 16, 2026
Details
Reflects AutoPay .25% deduction
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Car & Truck Loans - 6 Years
5.50%
6 Years
▼
APR5.50%
Term6 Years
Last UpdatedJul 11, 2026
Details
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Auto
5.69%
up to 84 Months
▼
APR5.69%
Termup to 84 Months
Last UpdatedJul 16, 2026
Details
Rates as low as:
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.82%
New/Used Cars, 2023 and newer models, Up to 48 months Loan
5.74%
Up to 48 months
▼
APR5.74%
TermUp to 48 months
Last UpdatedJul 11, 2026
Details
As low as
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
Newer Auto Loan
5.74%
up to 72 months
▼
APR5.74%
Termup to 72 months
Last UpdatedJul 15, 2026
Details
As Low As; Newer (2023-2026)
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
New & Used Vehicles Loan
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedJul 15, 2026
Details
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
New Auto Loans
5.74%
49-63 months
▼
APR5.74%
Term49-63 months
Last UpdatedJul 16, 2026
Details
As Low As; Monthly Payment Example per $1,000 Borrowed: $18.43 based on a 63 month term
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
New Auto Loan
5.75%
84-month
▼
APR5.75%
Term84-month
Last UpdatedJul 15, 2026
Details
AUTO (New or 1 year old with less than 20000 miles); Fixed
Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.26%
New & Used Automobiles 73-84 Months
5.82%
84 Months
▼
APR5.82%
Term84 Months
Last UpdatedJul 16, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.82%
New/Used Cars, 2023 and newer models, Up to 63 months Loan
5.90%
Up to 63 months
▼
APR5.90%
TermUp to 63 months
Last UpdatedJul 11, 2026
Details
As low as
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Cars and Trucks Loan
5.93%
7 years
▼
APR5.93%
Term7 years
Last UpdatedJul 15, 2026
Details
As Low As
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.03%
New/Used Vehicle - Terms 76 to 84 Months Loan
5.99%
76 to 84 Months
▼
APR5.99%
Term76 to 84 Months
Last UpdatedJul 15, 2026
Details
As Low As; *
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Vehicle Loan
6.00%
2 Years
▼
APR6.00%
Term2 Years
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Vehicle Loan - 2 Years
6.00%
2 Years
▼
APR6.00%
Term2 Years
Last UpdatedJul 11, 2026
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
New and Used Auto Loans
6.24%
Up to 63 Months
▼
APR6.24%
TermUp to 63 Months
Last UpdatedJul 6, 2026
Details
As Low As; Offer valid on applications now through August 31 when funded on or before August 31. Purchase and refinanced personal auto loans only with a maximum term of 72 months. Vehicles must be 2019 model year or newer. Not valid on motorcycle or RV loans. Minimum 670 credit score (TransUnion FICO Classic 08 model). All borrowers must be currently employed or receiving regular, monthly, verifiable income.
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
New Auto Loans
6.24%
64-75 months
▼
APR6.24%
Term64-75 months
Last UpdatedJul 16, 2026
Details
As Low As; Monthly Payment Example per $1,000 Borrowed: $16.14 based on a 75 month term
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
New and Used Auto Loans
6.38%
63 Months
▼
APR6.38%
Term63 Months
Last UpdatedJul 6, 2026
Details
As Low As; Offer valid on applications now through August 31 when funded on or before August 31. Purchase and refinanced personal auto loans only with a maximum term of 72 months. Vehicles must be 2019 model year or newer. Not valid on motorcycle or RV loans. Minimum 670 credit score (TransUnion FICO Classic 08 model). All borrowers must be currently employed or receiving regular, monthly, verifiable income.
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
6.39%
Up to 12 months
▼
APR6.39%
TermUp to 12 months
Last UpdatedJul 16, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.82%
New/Used Cars, 2023 and newer models, 64 to 75 months Loan
6.49%
64 to 75 months
▼
APR6.49%
Term64 to 75 months
Last UpdatedJul 11, 2026
Details
As low as
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.03%
New/Used Vehicle - Terms 85 to 89 Months Loan
6.49%
85 to 89 Months
▼
APR6.49%
Term85 to 89 Months
Last UpdatedJul 15, 2026
Details
As Low As; *
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Car & Truck Loans - 7 Years
6.50%
7 Years
▼
APR6.50%
Term7 Years
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Vehicle Loan
6.50%
3 Years
▼
APR6.50%
Term3 Years
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Vehicle Loan - 3 Years
6.50%
3 Years
▼
APR6.50%
Term3 Years
Last UpdatedJul 11, 2026
Details
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
New Auto Loans
6.74%
76-84 months
▼
APR6.74%
Term76-84 months
Last UpdatedJul 16, 2026
Details
As Low As; Monthly Payment Example per $1,000 Borrowed: $14.97 based on a 84 month term
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
6.89%
72 months for $20,000 or more on boats, RVs, aircraft and motorcycle loans only
▼
APR6.89%
Term72 months for $20,000 or more on boats, RVs, aircraft and motorcycle loans only
Last UpdatedJul 16, 2026
Details
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
Newer Auto Loan
6.99%
up to 84 months
▼
APR6.99%
Termup to 84 months
Last UpdatedJul 15, 2026
Details
As Low As; Newer (2023-2026)
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Vehicle Loan
7.00%
4 Years
▼
APR7.00%
Term4 Years
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Vehicle Loan - 4 Years
7.00%
4 Years
▼
APR7.00%
Term4 Years
Last UpdatedJul 11, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.82%
New/Used Cars, 2023 and newer models, 76 to 84 months Loan
7.24%
76 to 84 months
▼
APR7.24%
Term76 to 84 months
Last UpdatedJul 11, 2026
Details
As low as
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
7.39%
84 months for $30,000 or more on boats, RVs, aircraft and motorcycle loans only
▼
APR7.39%
Term84 months for $30,000 or more on boats, RVs, aircraft and motorcycle loans only
Last UpdatedJul 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
7.59%
120 months for $50,000 or more on boats, RVs and aircraft loans only
▼
APR7.59%
Term120 months for $50,000 or more on boats, RVs and aircraft loans only
Last UpdatedJul 16, 2026
Details
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Auto Loans - Cars, Trucks, SUVs & Vans (years 2017 & Newer)
7.74%
75- 84 Months
▼
APR7.74%
Term75- 84 Months
Last UpdatedJul 15, 2026
Details
As Low As;*
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
7.79%
180 months for $75,000 or more on boats, RVs and aircraft loans only
▼
APR7.79%
Term180 months for $75,000 or more on boats, RVs and aircraft loans only
Last UpdatedJul 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
7.99%
240 months for $100,000 or more on boats, RVs and aircraft loans only
▼
APR7.99%
Term240 months for $100,000 or more on boats, RVs and aircraft loans only
Last UpdatedJul 16, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Vehicle Loan
8.00%
5 Years
▼
APR8.00%
Term5 Years
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Vehicle Loan - 5 Years
8.00%
5 Years
▼
APR8.00%
Term5 Years
Last UpdatedJul 11, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Small Vehicle Loans
8.00%
Up to 12 months
▼
APR8.00%
TermUp to 12 months
Last UpdatedJul 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Small Vehicle Loans
8.25%
24 months
▼
APR8.25%
Term24 months
Last UpdatedJul 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Small Vehicle Loans
8.50%
36 months
▼
APR8.50%
Term36 months
Last UpdatedJul 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Small Vehicle Loans
8.75%
48 months
▼
APR8.75%
Term48 months
Last UpdatedJul 16, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Vehicle Loan
9.00%
6 Years
▼
APR9.00%
Term6 Years
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Vehicle Loan - 6 Years
9.00%
6 Years
▼
APR9.00%
Term6 Years
Last UpdatedJul 11, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Small Vehicle Loans
9.00%
60 months
▼
APR9.00%
Term60 months
Last UpdatedJul 16, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Vehicle Loan
10.00%
7 Years
▼
APR10.00%
Term7 Years
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
New Vehicle Loan - 7 Years
10.00%
7 Years
▼
APR10.00%
Term7 Years
Last UpdatedJul 11, 2026
Details
Powered by
MonitorBankRates
Sparta Used Auto Auto Loan Rates
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: 7.03%
New/Used Vehicle - Terms 36 Months or Less Loan
3.99%
36 Months or Less
▼
APR3.99%
Term36 Months or Less
Last UpdatedJul 15, 2026
Details
As Low As; *
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Auto
4.00%
1 year
▼
APR4.00%
Term1 year
Last UpdatedJul 11, 2026
Details
As Low As; Used Auto
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Car & Truck Loans - 1 Year
4.00%
1 Year
▼
APR4.00%
Term1 Year
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Car & Truck Loans - 2 Years
4.25%
2 Years
▼
APR4.25%
Term2 Years
Last UpdatedJul 11, 2026
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Used Cars and Trucks Loan
4.30%
4 years
▼
APR4.30%
Term4 years
Last UpdatedJul 15, 2026
Details
As Low As
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Used Cars and Trucks Loan
4.39%
3 years
▼
APR4.39%
Term3 years
Last UpdatedJul 15, 2026
Details
As Low As
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Used Cars and Trucks Loan
4.49%
5 years
▼
APR4.49%
Term5 years
Last UpdatedJul 15, 2026
Details
As Low As
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Car & Truck Loans - 3 Years
4.50%
3 Years
▼
APR4.50%
Term3 Years
Last UpdatedJul 11, 2026
Details
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
Used Auto Loan
4.50%
24-month
▼
APR4.50%
Term24-month
Last UpdatedJul 15, 2026
Details
Used Auto up to 10 years old; Fixed
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
Used Auto Loan
4.75%
36-month
▼
APR4.75%
Term36-month
Last UpdatedJul 15, 2026
Details
Used Auto up to 10 years old; Fixed
Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.26%
New & Used Auto Loans
4.83%
72 Months
▼
APR4.83%
Term72 Months
Last UpdatedJul 16, 2026
Details
As Low As; Not all will qualify for lowest rate.
Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.26%
New & Used Automobiles 61-72 Months
4.83%
72 Months
▼
APR4.83%
Term72 Months
Last UpdatedJul 16, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.26%
New & Used Automobiles 49-60 Months
4.84%
60 Months
▼
APR4.84%
Term60 Months
Last UpdatedJul 16, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.26%
New & Used Automobiles 37-48 Months
4.87%
48 Months
▼
APR4.87%
Term48 Months
Last UpdatedJul 16, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.26%
New & Used Automobiles 0-36 Months
4.91%
36 Months
▼
APR4.91%
Term36 Months
Last UpdatedJul 16, 2026
Details
As Low As; Vehicles older than 7 years prior to current year receive the "Classic" rate.
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Used Cars and Trucks Loan
4.95%
6 years
▼
APR4.95%
Term6 years
Last UpdatedJul 15, 2026
Details
As Low As
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.03%
New/Used Vehicle - Terms 37 to 66 Months Loan
4.99%
37 to 66 Months
▼
APR4.99%
Term37 to 66 Months
Last UpdatedJul 15, 2026
Details
As Low As; *
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Auto
4.99%
up to 48 Months
▼
APR4.99%
Termup to 48 Months
Last UpdatedJul 16, 2026
Details
Rates as low as:
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Car & Truck Loans - 4 Years
5.00%
4 Years
▼
APR5.00%
Term4 Years
Last UpdatedJul 11, 2026
Details
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
Used Auto Loan
5.00%
48-month
▼
APR5.00%
Term48-month
Last UpdatedJul 15, 2026
Details
Used Auto up to 10 years old; Fixed
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Auto
5.09%
up to 60 Months
▼
APR5.09%
Termup to 60 Months
Last UpdatedJul 16, 2026
Details
Rates as low as:
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
Used Auto Loan
5.24%
up to 48 months
▼
APR5.24%
Termup to 48 months
Last UpdatedJul 15, 2026
Details
As Low As; Used (2019 - 2022)
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.03%
New/Used Vehicle - Terms 67 to 75 Months Loan
5.24%
67 to 75 Months
▼
APR5.24%
Term67 to 75 Months
Last UpdatedJul 15, 2026
Details
As Low As; *
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
Used Auto Loan
5.25%
60-month
▼
APR5.25%
Term60-month
Last UpdatedJul 15, 2026
Details
Used Auto up to 10 years old; Fixed
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
Used Auto Loan
5.49%
up to 60 months
▼
APR5.49%
Termup to 60 months
Last UpdatedJul 15, 2026
Details
As Low As; Used (2019 - 2022)
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Used Autos (1-3 Years)
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedJul 16, 2026
Details
Reflects AutoPay .25% deduction
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Used Autos (4-7 Years)
5.49%
Up to 72 Months
▼
APR5.49%
TermUp to 72 Months
Last UpdatedJul 16, 2026
Details
Reflects AutoPay .25% deduction
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Car & Truck Loans - 5 Years
5.50%
5 Years
▼
APR5.50%
Term5 Years
Last UpdatedJul 11, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.82%
New/Used Cars, 2023 and newer models, Up to 48 months Loan
5.74%
Up to 48 months
▼
APR5.74%
TermUp to 48 months
Last UpdatedJul 11, 2026
Details
As low as
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
New & Used Vehicles Loan
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedJul 15, 2026
Details
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Used Auto Loans
5.74%
1-48 months
▼
APR5.74%
Term1-48 months
Last UpdatedJul 16, 2026
Details
As Low As*
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Vehicle Loan
5.75%
1 Year
▼
APR5.75%
Term1 Year
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Vehicle Loan - 1 Year
5.75%
1 Year
▼
APR5.75%
Term1 Year
Last UpdatedJul 11, 2026
Details
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
Used Auto Loan
5.75%
72-month
▼
APR5.75%
Term72-month
Last UpdatedJul 15, 2026
Details
Used Auto up to 10 years old; Fixed
Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.26%
New & Used Automobiles 73-84 Months
5.82%
84 Months
▼
APR5.82%
Term84 Months
Last UpdatedJul 16, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.82%
New/Used Cars, 2023 and newer models, Up to 63 months Loan
5.90%
Up to 63 months
▼
APR5.90%
TermUp to 63 months
Last UpdatedJul 11, 2026
Details
As low as
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Used Cars and Trucks Loan
5.93%
7 years
▼
APR5.93%
Term7 years
Last UpdatedJul 15, 2026
Details
As Low As
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.03%
New/Used Vehicle - Terms 76 to 84 Months Loan
5.99%
76 to 84 Months
▼
APR5.99%
Term76 to 84 Months
Last UpdatedJul 15, 2026
Details
As Low As; *
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Auto
5.99%
up to 72 Months
▼
APR5.99%
Termup to 72 Months
Last UpdatedJul 16, 2026
Details
Rates as low as:
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
2021 Used Auto
6.24%
63 Months
▼
APR6.24%
Term63 Months
Last UpdatedJul 6, 2026
Details
As Low As; Rate accurate as of July 6, 2026
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
New and Used Auto Loans
6.24%
Up to 63 Months
▼
APR6.24%
TermUp to 63 Months
Last UpdatedJul 6, 2026
Details
As Low As; Offer valid on applications now through August 31 when funded on or before August 31. Purchase and refinanced personal auto loans only with a maximum term of 72 months. Vehicles must be 2019 model year or newer. Not valid on motorcycle or RV loans. Minimum 670 credit score (TransUnion FICO Classic 08 model). All borrowers must be currently employed or receiving regular, monthly, verifiable income.
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
Used Auto
6.24%
Up to 63 Months
▼
APR6.24%
TermUp to 63 Months
Last UpdatedJul 6, 2026
Details
As Low As; Rate accurate as of July 6, 2026
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Used Auto Loans
6.24%
49-63 months
▼
APR6.24%
Term49-63 months
Last UpdatedJul 16, 2026
Details
As Low As*
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
Used Auto Loan
6.25%
84-month
▼
APR6.25%
Term84-month
Last UpdatedJul 15, 2026
Details
Used Auto up to 10 years old, over $20,000; Fixed
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
Used Auto
6.33%
66 Months
▼
APR6.33%
Term66 Months
Last UpdatedJul 6, 2026
Details
As Low As; Rate accurate as of July 6, 2026
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
2020 Used Auto
6.38%
63 Months
▼
APR6.38%
Term63 Months
Last UpdatedJul 6, 2026
Details
As Low As; Rate accurate as of July 6, 2026
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
New and Used Auto Loans
6.38%
63 Months
▼
APR6.38%
Term63 Months
Last UpdatedJul 6, 2026
Details
As Low As; Offer valid on applications now through August 31 when funded on or before August 31. Purchase and refinanced personal auto loans only with a maximum term of 72 months. Vehicles must be 2019 model year or newer. Not valid on motorcycle or RV loans. Minimum 670 credit score (TransUnion FICO Classic 08 model). All borrowers must be currently employed or receiving regular, monthly, verifiable income.
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
Used Auto
6.38%
72 Months
▼
APR6.38%
Term72 Months
Last UpdatedJul 6, 2026
Details
As Low As; Rate accurate as of July 6, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
6.39%
Up to 12 months
▼
APR6.39%
TermUp to 12 months
Last UpdatedJul 16, 2026
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
2021 Used Auto
6.49%
66 Months
▼
APR6.49%
Term66 Months
Last UpdatedJul 6, 2026
Details
As Low As; Rate accurate as of July 6, 2026
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.82%
New/Used Cars, 2023 and newer models, 64 to 75 months Loan
6.49%
64 to 75 months
▼
APR6.49%
Term64 to 75 months
Last UpdatedJul 11, 2026
Details
As low as
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.82%
Used Cars, 2019 through 2022 models, Up to 63 months Loan
6.49%
Up to 63 months
▼
APR6.49%
TermUp to 63 months
Last UpdatedJul 11, 2026
Details
As low as
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
Used Auto Loan
6.49%
up to 72 months
▼
APR6.49%
Termup to 72 months
Last UpdatedJul 15, 2026
Details
As Low As; Used (2019 - 2022)
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.03%
New/Used Vehicle - Terms 85 to 89 Months Loan
6.49%
85 to 89 Months
▼
APR6.49%
Term85 to 89 Months
Last UpdatedJul 15, 2026
Details
As Low As; *
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Used Autos (8-10 Years)
6.49%
Up to 60 Months
▼
APR6.49%
TermUp to 60 Months
Last UpdatedJul 16, 2026
Details
Reflects AutoPay .25% deduction
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Car & Truck Loans - 6 Years
6.50%
6 Years
▼
APR6.50%
Term6 Years
Last UpdatedJul 11, 2026
Details
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
Used Auto Loan
6.50%
24-month
▼
APR6.50%
Term24-month
Last UpdatedJul 15, 2026
Details
Used auto over 10 years old; Fixed
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
2021 Used Auto
6.54%
72 Months
▼
APR6.54%
Term72 Months
Last UpdatedJul 6, 2026
Details
As Low As; Rate accurate as of July 6, 2026
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
2020 Used Auto
6.64%
66 Months
▼
APR6.64%
Term66 Months
Last UpdatedJul 6, 2026
Details
As Low As; Rate accurate as of July 6, 2026
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Used Auto Loans
6.74%
64-75 months
▼
APR6.74%
Term64-75 months
Last UpdatedJul 16, 2026
Details
As Low As*
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Vehicle Loan
6.75%
2 Years
▼
APR6.75%
Term2 Years
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Vehicle Loan - 2 Years
6.75%
2 Years
▼
APR6.75%
Term2 Years
Last UpdatedJul 11, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
6.89%
72 months for $20,000 or more on boats, RVs, aircraft and motorcycle loans only
▼
APR6.89%
Term72 months for $20,000 or more on boats, RVs, aircraft and motorcycle loans only
Last UpdatedJul 16, 2026
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
2020 Used Auto
6.95%
72 Months
▼
APR6.95%
Term72 Months
Last UpdatedJul 6, 2026
Details
As Low As; Rate accurate as of July 6, 2026
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
Used Auto
6.99%
75 Months
▼
APR6.99%
Term75 Months
Last UpdatedJul 6, 2026
Details
As Low As; Rate accurate as of July 6, 2026
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.82%
Used Cars, 2019 through 2022 models, 64 to 75 months Loan
6.99%
64 to 75 months
▼
APR6.99%
Term64 to 75 months
Last UpdatedJul 11, 2026
Details
As low as
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Vehicle Loan
7.00%
3 Years
▼
APR7.00%
Term3 Years
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Vehicle Loan - 3 Years
7.00%
3 Years
▼
APR7.00%
Term3 Years
Last UpdatedJul 11, 2026
Details
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
Used Auto Loan
7.00%
36-month
▼
APR7.00%
Term36-month
Last UpdatedJul 15, 2026
Details
Used auto over 10 years old; Fixed
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.82%
New/Used Cars, 2023 and newer models, 76 to 84 months Loan
7.24%
76 to 84 months
▼
APR7.24%
Term76 to 84 months
Last UpdatedJul 11, 2026
Details
As low as
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.82%
Used Cars, 2018 and older models, Up to 63 months Loan
7.24%
Up to 63 months
▼
APR7.24%
TermUp to 63 months
Last UpdatedJul 11, 2026
Details
As low as
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Used Auto Loans
7.24%
76-84 months
▼
APR7.24%
Term76-84 months
Last UpdatedJul 16, 2026
Details
As Low As*
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
7.39%
84 months for $30,000 or more on boats, RVs, aircraft and motorcycle loans only
▼
APR7.39%
Term84 months for $30,000 or more on boats, RVs, aircraft and motorcycle loans only
Last UpdatedJul 16, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Car & Truck Loans - 7 Years
7.50%
7 Years
▼
APR7.50%
Term7 Years
Last UpdatedJul 11, 2026
Details
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
Used Auto Loan
7.50%
48-month
▼
APR7.50%
Term48-month
Last UpdatedJul 15, 2026
Details
Used auto over 10 years old; Fixed
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
7.59%
120 months for $50,000 or more on boats, RVs and aircraft loans only
▼
APR7.59%
Term120 months for $50,000 or more on boats, RVs and aircraft loans only
Last UpdatedJul 16, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.82%
Used Cars, 2018 and older models, 64 to 75 months Loan
7.74%
64 to 75 months
▼
APR7.74%
Term64 to 75 months
Last UpdatedJul 11, 2026
Details
As low as
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.82%
Used Cars, 2019 through 2022 models, 76 to 84 months Loan
7.74%
76 to 84 months
▼
APR7.74%
Term76 to 84 months
Last UpdatedJul 11, 2026
Details
As low as
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
Used Auto Loan
7.74%
up to 84 months
▼
APR7.74%
Termup to 84 months
Last UpdatedJul 15, 2026
Details
As Low As; Used (2019 - 2022)
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
7.79%
180 months for $75,000 or more on boats, RVs and aircraft loans only
▼
APR7.79%
Term180 months for $75,000 or more on boats, RVs and aircraft loans only
Last UpdatedJul 16, 2026
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
2021 Used Auto
7.87%
75 Months
▼
APR7.87%
Term75 Months
Last UpdatedJul 6, 2026
Details
As Low As; Rate accurate as of July 6, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
7.99%
240 months for $100,000 or more on boats, RVs and aircraft loans only
▼
APR7.99%
Term240 months for $100,000 or more on boats, RVs and aircraft loans only
Last UpdatedJul 16, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Vehicle Loan
8.00%
4 Years
▼
APR8.00%
Term4 Years
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Vehicle Loan - 4 Years
8.00%
4 Years
▼
APR8.00%
Term4 Years
Last UpdatedJul 11, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Small Vehicle Loans
8.00%
Up to 12 months
▼
APR8.00%
TermUp to 12 months
Last UpdatedJul 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Small Vehicle Loans
8.25%
24 months
▼
APR8.25%
Term24 months
Last UpdatedJul 16, 2026
Details
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Used Autos (10+ Years)
8.49%
Up to 48 Months
▼
APR8.49%
TermUp to 48 Months
Last UpdatedJul 16, 2026
Details
Reflects AutoPay .25% deduction
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Small Vehicle Loans
8.50%
36 months
▼
APR8.50%
Term36 months
Last UpdatedJul 16, 2026
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
2019 - Older Used Auto
8.74%
60 Months
▼
APR8.74%
Term60 Months
Last UpdatedJul 6, 2026
Details
As Low As; Rate accurate as of July 6, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Small Vehicle Loans
8.75%
48 months
▼
APR8.75%
Term48 months
Last UpdatedJul 16, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Vehicle Loan
9.00%
5 Years
▼
APR9.00%
Term5 Years
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Vehicle Loan - 5 Years
9.00%
5 Years
▼
APR9.00%
Term5 Years
Last UpdatedJul 11, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Small Vehicle Loans
9.00%
60 months
▼
APR9.00%
Term60 months
Last UpdatedJul 16, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Vehicle Loan
10.00%
6 Years
▼
APR10.00%
Term6 Years
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Vehicle Loan - 6 Years
10.00%
6 Years
▼
APR10.00%
Term6 Years
Last UpdatedJul 11, 2026
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
2019 - Older Used Auto
10.15%
66 Months
▼
APR10.15%
Term66 Months
Last UpdatedJul 6, 2026
Details
As Low As; Rate accurate as of July 6, 2026
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Vehicle Loan
11.00%
7 Years
▼
APR11.00%
Term7 Years
Last UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Used Vehicle Loan - 7 Years
11.00%
7 Years
▼
APR11.00%
Term7 Years
Last UpdatedJul 11, 2026
Details
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MonitorBankRates
Sparta, KY Auto Loan Rate Trends
Compare local Sparta, 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
6.190%
▲ 0.197 vs 7 days ago
Kentucky new auto rates rose 0.197 points over the past 7 days to 6.190% APR.
Used Auto Loan — KY Avg
6.585%
▼ 0.153 vs 7 days ago
Kentucky used auto rates fell 0.153 points over the past 7 days to 6.585% APR.
As of Jul 16, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Sparta, Kentucky auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Sparta, Kentucky directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Sparta, Kentucky. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in KY.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Sparta, 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 Sparta, 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 Sparta, 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 Sparta, Kentucky?
Based on our current data, some of the lowest auto loan rates available in Sparta, Kentucky include:
- Southeast Financial Credit Union: 3.50% (New Auto)
- Owensboro Federal Credit Union: 3.75% (Auto Loan)
- University of Kentucky Federal Credit Union: 3.99% (New/Used Vehicle - Terms 36 Months or Less Loan)
- CLASS ACT: 3.99% (Auto Loan New)
- Morehead Community Federal Credit Union: 4.00% (New Auto Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Sparta, Kentucky. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: July 16, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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