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Auto Loan Rates in Kentucky (KY) for May 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Kentucky. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates — Last Updated and Verified: May 2, 2026

Current auto loan rates in Kentucky include Morehead Community Federal Credit UnionMorehead Community Federal Credit Union503 W Main St, Morehead, KY, 40351 1539A+5.0 ★Texas Ratio: 0.69% offering New Auto Loan at 4.00%, Desco Federal Credit UnionDesco Federal Credit Union1211 Carter Ave, Ashland, KY, 41101 7514A+5.0 ★Texas Ratio: 2.81% offering New Cars and Trucks at 4.30%, CLASS ACTCLASS ACT3620 Fern Valley Rd, Louisville, KY, 40219 1917A+5.0 ★Texas Ratio: 0.00% offering Auto Loans 2022 or newer at 4.49%, Louisville Federal Credit UnionLouisville Federal Credit Union1420 Gardiner Ln Rm 66, Louisville, KY, 40231 8900A+5.0 ★Texas Ratio: 1.06% offering New Auto at 4.69%, Advanz Federal Credit UnionAdvanz Federal Credit Union9600 Ormsby Station Rd, Louisville, KY, 40223 4008A+5.0 ★Texas Ratio: 1.61% offering Auto Loans - Cars, Trucks, SUVs & Vans (years 2017 & Newer) at 4.74%. Auto loan rates as of May 2, 2026 according to verified data from MonitorBankRates.

Use the tabs below to compare auto loan rates across Kentucky side-by-side. Kentucky auto loan rates currently start as low as 4.00% APR from Morehead Community Federal Credit Union at 503 W Main St, Morehead, KY, 40351 1539. Rates are continually updated — we recommend checking back frequently.

Auto loan rates reflect recent market quotes and representative offers available to borrowers in Kentucky. Auto Loan Rates Last Updated and Verified: May 2, 2026

Compare Auto Loan Rates Today in Kentucky

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
New Auto Loan
4.00%
24-month
View
▼
APR4.00%
Term24-month
Last UpdatedApr 27, 2026
Details

Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
New Auto Loan
4.25%
36-month
View
▼
APR4.25%
Term36-month
Last UpdatedApr 27, 2026
Details

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave, Ashland, KY, 41101 7514
New Cars and Trucks
4.30%
4 years
View
▼
APR4.30%
Term4 years
Last UpdatedApr 18, 2026
Details

As Low As

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave, Ashland, KY, 41101 7514
Used Cars and Trucks
4.30%
4 years
View
▼
APR4.30%
Term4 years
Last UpdatedApr 18, 2026
Details

As Low As

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave, Ashland, KY, 41101 7514
New Cars and Trucks
4.39%
3 years
View
▼
APR4.39%
Term3 years
Last UpdatedApr 18, 2026
Details

As Low As

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave, Ashland, KY, 41101 7514
Used Cars and Trucks
4.39%
3 years
View
▼
APR4.39%
Term3 years
Last UpdatedApr 18, 2026
Details

As Low As

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave, Ashland, KY, 41101 7514
New Cars and Trucks
4.49%
5 years
View
▼
APR4.49%
Term5 years
Last UpdatedApr 18, 2026
Details

As Low As

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave, Ashland, KY, 41101 7514
Used Cars and Trucks
4.49%
5 years
View
▼
APR4.49%
Term5 years
Last UpdatedApr 18, 2026
Details

As Low As

CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY, 40219 1917
Auto Loans 2022 or newer
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedMay 2, 2026
Details

Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
New Auto Loan
4.50%
48-month
View
▼
APR4.50%
Term48-month
Last UpdatedApr 27, 2026
Details

Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
Used Auto Loan
4.50%
24-month
View
▼
APR4.50%
Term24-month
Last UpdatedApr 27, 2026
Details

Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
1420 Gardiner Ln Rm 66, Louisville, KY, 40231 8900
New Auto
4.69%
up to 48 Months
View
▼
APR4.69%
Termup to 48 Months
Last UpdatedMay 2, 2026
Details

Advanz Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
9600 Ormsby Station Rd, Louisville, KY, 40223 4008
Auto Loans - Cars, Trucks, SUVs & Vans (years 2017 & Newer)
4.74%
0 - 59
View
▼
APR4.74%
Term0 - 59
Last UpdatedApr 18, 2026
Details

As Low As

CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY, 40219 1917
Auto Loans 2017 - 2021
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedMay 2, 2026
Details

CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY, 40219 1917
Auto Loans 2022 or newer
4.74%
49-63
View
▼
APR4.74%
Term49-63
Last UpdatedMay 2, 2026
Details

Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
2024-2026 New & Used Auto Loan
4.75%
12 - 36
View
▼
APR4.75%
Term12 - 36
Last UpdatedApr 18, 2026
Details

As Low As

KUE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
1 Quality St, Lexington, KY, 40507 1428
New Vehicle Loan
4.75%
Up to 48 months
View
▼
APR4.75%
TermUp to 48 months
Last UpdatedApr 27, 2026
Details

As Low As; New Vehicle Loan

Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
New Auto Loan
4.75%
60-month
View
▼
APR4.75%
Term60-month
Last UpdatedApr 27, 2026
Details

Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
Used Auto Loan
4.75%
36-month
View
▼
APR4.75%
Term36-month
Last UpdatedApr 27, 2026
Details

Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
1420 Gardiner Ln Rm 66, Louisville, KY, 40231 8900
New Auto
4.79%
up to 60 Months
View
▼
APR4.79%
Termup to 60 Months
Last UpdatedMay 2, 2026
Details

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave, Ashland, KY, 41101 7514
New Cars and Trucks
4.95%
6 years
View
▼
APR4.95%
Term6 years
Last UpdatedApr 18, 2026
Details

As Low As

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave, Ashland, KY, 41101 7514
Used Cars and Trucks
4.95%
6 years
View
▼
APR4.95%
Term6 years
Last UpdatedApr 18, 2026
Details

As Low As

Advanz Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
9600 Ormsby Station Rd, Louisville, KY, 40223 4008
Auto Loans - Cars, Trucks, SUVs & Vans (years 2017 & Newer)
4.99%
60 - 74
View
▼
APR4.99%
Term60 - 74
Last UpdatedApr 18, 2026
Details

As Low As

Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
1420 Gardiner Ln Rm 66, Louisville, KY, 40231 8900
Used Auto
4.99%
up to 48 Months
View
▼
APR4.99%
Termup to 48 Months
Last UpdatedMay 2, 2026
Details

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
New/Used Cars, 2023 and newer models
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedMay 2, 2026
Details

As Low As; Up to 48 months

CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY, 40219 1917
Auto Loans 2016 or older
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedMay 2, 2026
Details

CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY, 40219 1917
Auto Loans 2017 - 2021
4.99%
49-63
View
▼
APR4.99%
Term49-63
Last UpdatedMay 2, 2026
Details

CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY, 40219 1917
Auto Loans 2022 or newer
4.99%
64-75
View
▼
APR4.99%
Term64-75
Last UpdatedMay 2, 2026
Details

Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
2024-2026 New & Used Auto Loan
5.00%
48 Months
View
▼
APR5.00%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
Used Auto Loan
5.00%
48-month
View
▼
APR5.00%
Term48-month
Last UpdatedApr 27, 2026
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY, 42104 3383
Other Vehicle Loans New
5.00%
1 Year
View
▼
APR5.00%
Term1 Year
Last UpdatedMay 2, 2026
Details

Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
1420 Gardiner Ln Rm 66, Louisville, KY, 40231 8900
Used Auto
5.09%
up to 60 Months
View
▼
APR5.09%
Termup to 60 Months
Last UpdatedMay 2, 2026
Details

CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY, 40219 1917
Auto Loans 2017 - 2021
5.24%
64-75
View
▼
APR5.24%
Term64-75
Last UpdatedMay 2, 2026
Details

Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
New Auto Loan
5.25%
72-month
View
▼
APR5.25%
Term72-month
Last UpdatedApr 27, 2026
Details

Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
Used Auto Loan
5.25%
60-month
View
▼
APR5.25%
Term60-month
Last UpdatedApr 27, 2026
Details

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
New/Used Cars, 2023 and newer models
5.39%
63 Months
View
▼
APR5.39%
Term63 Months
Last UpdatedMay 2, 2026
Details

As Low As; Up to 63 months

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
1315 CANNONSBURG RD, ASHLAND, KY, 41102
New Autos
5.49%
Up to 84 Months
View
▼
APR5.49%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
1315 CANNONSBURG RD, ASHLAND, KY, 41102
Used Autos (1-3 Years)
5.49%
Up to 84 Months
View
▼
APR5.49%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
1315 CANNONSBURG RD, ASHLAND, KY, 41102
Used Autos (4-7 Years)
5.49%
Up to 72 Months
View
▼
APR5.49%
TermUp to 72 Months
Last UpdatedMay 2, 2026
Details

CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY, 40219 1917
Auto Loans 2016 or older
5.49%
49-63
View
▼
APR5.49%
Term49-63
Last UpdatedMay 2, 2026
Details

CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY, 40219 1917
Auto Loans 2022 or newer
5.49%
76-84
View
▼
APR5.49%
Term76-84
Last UpdatedMay 2, 2026
Details

Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
2022-2023 Auto Loan
5.50%
12 - 36
View
▼
APR5.50%
Term12 - 36
Last UpdatedApr 18, 2026
Details

Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
2024-2026 New & Used Auto Loan
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

KUE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
1 Quality St, Lexington, KY, 40507 1428
New Vehicle Loan
5.50%
49 to 60 months
View
▼
APR5.50%
Term49 to 60 months
Last UpdatedApr 27, 2026
Details

As Low As; New Vehicle Loan

Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
1420 Gardiner Ln Rm 66, Louisville, KY, 40231 8900
New Auto
5.69%
up to 84 Months
View
▼
APR5.69%
Termup to 84 Months
Last UpdatedMay 2, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Toyota Motor Manufacturing, Hebron, KY, 41048
New & Used Vehicles2
5.74%
Up to 2 years
View
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 18, 2026
Details

Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
New Auto Loan
5.75%
84-month
View
▼
APR5.75%
Term84-month
Last UpdatedApr 27, 2026
Details

Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
Used Auto Loan
5.75%
72-month
View
▼
APR5.75%
Term72-month
Last UpdatedApr 27, 2026
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY, 42104 3383
Other Vehicle Loans Used
5.75%
1 Year
View
▼
APR5.75%
Term1 Year
Last UpdatedMay 2, 2026
Details

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
New/Used Cars, 2023 and newer models
5.79%
75 Months
View
▼
APR5.79%
Term75 Months
Last UpdatedMay 2, 2026
Details

As Low As; 64 to 75 months

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
Used Cars, 2019 through 2022 models
5.89%
63 Months
View
▼
APR5.89%
Term63 Months
Last UpdatedMay 2, 2026
Details

As Low As; Up to 63 months

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave, Ashland, KY, 41101 7514
New Cars and Trucks
5.93%
7 years
View
▼
APR5.93%
Term7 years
Last UpdatedApr 18, 2026
Details

As Low As

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave, Ashland, KY, 41101 7514
Used Cars and Trucks
5.93%
7 years
View
▼
APR5.93%
Term7 years
Last UpdatedApr 18, 2026
Details

As Low As

Expree Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.78%
100 Moore Dr, Frankfort, KY, 40601 8295
Auto Loans
5.99%
37-48 Months
View
▼
APR5.99%
Term37-48 Months
Last UpdatedMay 2, 2026
Details

As Low As; All rates are based on credit history and qualifications

Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
1420 Gardiner Ln Rm 66, Louisville, KY, 40231 8900
Used Auto
5.99%
up to 72 Months
View
▼
APR5.99%
Termup to 72 Months
Last UpdatedMay 2, 2026
Details

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
New/Used Cars, 2023 and newer models
5.99%
48 Months
View
▼
APR5.99%
Term48 Months
Last UpdatedMay 2, 2026
Details

As Low As

Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
2018-2021 Auto Loan
6.00%
36 Months
View
▼
APR6.00%
Term36 Months
Last UpdatedApr 18, 2026
Details

Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
2022-2023 Auto Loan
6.00%
48 Months
View
▼
APR6.00%
Term48 Months
Last UpdatedApr 18, 2026
Details

Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
2024-2026 New & Used Auto Loan
6.00%
72 Months
View
▼
APR6.00%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY, 42104 3383
Other Vehicle Loans New
6.00%
2 Years
View
▼
APR6.00%
Term2 Years
Last UpdatedMay 2, 2026
Details

Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
Used Auto Loan
6.25%
84-month
View
▼
APR6.25%
Term84-month
Last UpdatedApr 27, 2026
Details

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
Used Cars, 2019 through 2022 models
6.29%
75 Months
View
▼
APR6.29%
Term75 Months
Last UpdatedMay 2, 2026
Details

As Low As; 64 to 75 months

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
New/Used Cars, 2023 and newer models
6.39%
49 to 63
View
▼
APR6.39%
Term49 to 63
Last UpdatedMay 2, 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
View
▼
APR6.49%
Term63 Months
Last UpdatedApr 17, 2026
Details

As Low As

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
1315 CANNONSBURG RD, ASHLAND, KY, 41102
Used Autos (8-10 Years)
6.49%
Up to 60 Months
View
▼
APR6.49%
TermUp to 60 Months
Last UpdatedMay 2, 2026
Details

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
New/Used Cars, 2023 and newer models
6.49%
84 Months
View
▼
APR6.49%
Term84 Months
Last UpdatedMay 2, 2026
Details

As Low As; 76 to 84 months**

Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
2018-2021 Auto Loan
6.50%
48 Months
View
▼
APR6.50%
Term48 Months
Last UpdatedApr 18, 2026
Details

Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
2022-2023 Auto Loan
6.50%
60 Months
View
▼
APR6.50%
Term60 Months
Last UpdatedApr 18, 2026
Details

Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
2024-2026 New & Used Auto Loan
6.50%
84 Months
View
▼
APR6.50%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
Used Auto Loan
6.50%
24-month
View
▼
APR6.50%
Term24-month
Last UpdatedApr 27, 2026
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY, 42104 3383
Other Vehicle Loans New
6.50%
3 Years
View
▼
APR6.50%
Term3 Years
Last UpdatedMay 2, 2026
Details

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
Used Cars, 2018 and older models
6.54%
63 Months
View
▼
APR6.54%
Term63 Months
Last UpdatedMay 2, 2026
Details

As Low As; Up to 63 months

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
View
▼
APR6.75%
Term63 Months
Last UpdatedApr 17, 2026
Details

As Low As

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY, 42104 3383
Other Vehicle Loans Used
6.75%
2 Years
View
▼
APR6.75%
Term2 Years
Last UpdatedMay 2, 2026
Details

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
New/Used Cars, 2023 and newer models
6.79%
64 to 75
View
▼
APR6.79%
Term64 to 75
Last UpdatedMay 2, 2026
Details

As Low As

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
Used Cars, 2019 through 2022 models
6.89%
63 Months
View
▼
APR6.89%
Term63 Months
Last UpdatedMay 2, 2026
Details

As Low As

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
Used Cars, 2019 through 2022 models
6.99%
84 Months
View
▼
APR6.99%
Term84 Months
Last UpdatedMay 2, 2026
Details

As Low As; 76 to 84 months**

Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
2018-2021 Auto Loan
7.00%
60 Months
View
▼
APR7.00%
Term60 Months
Last UpdatedApr 18, 2026
Details

Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
2022-2023 Auto Loan
7.00%
72 Months
View
▼
APR7.00%
Term72 Months
Last UpdatedApr 18, 2026
Details

Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
Used Auto Loan
7.00%
36-month
View
▼
APR7.00%
Term36-month
Last UpdatedApr 27, 2026
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY, 42104 3383
Other Vehicle Loans New
7.00%
4 Years
View
▼
APR7.00%
Term4 Years
Last UpdatedMay 2, 2026
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY, 42104 3383
Other Vehicle Loans Used
7.00%
3 Years
View
▼
APR7.00%
Term3 Years
Last UpdatedMay 2, 2026
Details

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
Used Cars, 2018 and older models
7.04%
75 Months
View
▼
APR7.04%
Term75 Months
Last UpdatedMay 2, 2026
Details

As Low As; 64 to 75 months***

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
Used Cars, 2019 through 2022 models
7.29%
64 to 75
View
▼
APR7.29%
Term64 to 75
Last UpdatedMay 2, 2026
Details

As Low As

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
New/Used Cars, 2023 and newer models
7.49%
76 to 84
View
▼
APR7.49%
Term76 to 84
Last UpdatedMay 2, 2026
Details

As Low As

Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
2018-2021 Auto Loan
7.50%
72 Months
View
▼
APR7.50%
Term72 Months
Last UpdatedApr 18, 2026
Details

Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
2022-2023 Auto Loan
7.50%
84 Months
View
▼
APR7.50%
Term84 Months
Last UpdatedApr 18, 2026
Details

Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
Used Auto Loan
7.50%
48-month
View
▼
APR7.50%
Term48-month
Last UpdatedApr 27, 2026
Details

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
Used Cars, 2018 and older models
7.54%
63 Months
View
▼
APR7.54%
Term63 Months
Last UpdatedMay 2, 2026
Details

As Low As

Advanz Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
9600 Ormsby Station Rd, Louisville, KY, 40223 4008
Auto Loans - Cars, Trucks, SUVs & Vans (years 2017 & Newer)
7.74%
75- 84
View
▼
APR7.74%
Term75- 84
Last UpdatedApr 18, 2026
Details

As Low As

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
Used Cars, 2019 through 2022 models
7.99%
76 to 84
View
▼
APR7.99%
Term76 to 84
Last UpdatedMay 2, 2026
Details

As Low As

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY, 41042 4894
New and Used Small Vehicle Loans
8.00%
Up to 12 months
View
▼
APR8.00%
TermUp to 12 months
Last UpdatedApr 19, 2026
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY, 42104 3383
Other Vehicle Loans New
8.00%
5 Years
View
▼
APR8.00%
Term5 Years
Last UpdatedMay 2, 2026
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY, 42104 3383
Other Vehicle Loans Used
8.00%
4 Years
View
▼
APR8.00%
Term4 Years
Last UpdatedMay 2, 2026
Details

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
Used Cars, 2018 and older models
8.04%
64 to 75
View
▼
APR8.04%
Term64 to 75
Last UpdatedMay 2, 2026
Details

As Low As

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY, 41042 4894
New and Used Small Vehicle Loans
8.25%
24 months
View
▼
APR8.25%
Term24 months
Last UpdatedApr 19, 2026
Details

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
1315 CANNONSBURG RD, ASHLAND, KY, 41102
Used Autos (10+ Years)
8.49%
Up to 48 Months
View
▼
APR8.49%
TermUp to 48 Months
Last UpdatedMay 2, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY, 41042 4894
New and Used Small Vehicle Loans
8.50%
36 months
View
▼
APR8.50%
Term36 months
Last UpdatedApr 19, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY, 41042 4894
New and Used Small Vehicle Loans
8.75%
48 months
View
▼
APR8.75%
Term48 months
Last UpdatedApr 19, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Toyota Motor Manufacturing, Hebron, KY, 41048
Classic Vehicle Loans2
8.99%
Up to 4 years
View
▼
APR8.99%
TermUp to 4 years
Last UpdatedApr 18, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY, 41042 4894
New and Used Small Vehicle Loans
9.00%
60 months
View
▼
APR9.00%
Term60 months
Last UpdatedApr 19, 2026
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY, 42104 3383
Other Vehicle Loans New
9.00%
6 Years
View
▼
APR9.00%
Term6 Years
Last UpdatedMay 2, 2026
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY, 42104 3383
Other Vehicle Loans Used
9.00%
5 Years
View
▼
APR9.00%
Term5 Years
Last UpdatedMay 2, 2026
Details

Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
2017 & older Auto Loan
10.00%
12 - 48
View
▼
APR10.00%
Term12 - 48
Last UpdatedApr 18, 2026
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY, 42104 3383
Other Vehicle Loans New
10.00%
7 Years
View
▼
APR10.00%
Term7 Years
Last UpdatedMay 2, 2026
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY, 42104 3383
Other Vehicle Loans Used
10.00%
6 Years
View
▼
APR10.00%
Term6 Years
Last UpdatedMay 2, 2026
Details

Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
2017 & older Auto Loan
10.50%
60 Months
View
▼
APR10.50%
Term60 Months
Last UpdatedApr 18, 2026
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY, 42104 3383
Other Vehicle Loans Used
11.00%
7 Years
View
▼
APR11.00%
Term7 Years
Last UpdatedMay 2, 2026
Details

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
New Auto Loan
4.00%
24-month
View
▼
APR4.00%
Term24-month
Last UpdatedApr 27, 2026
Details

Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
New Auto Loan
4.25%
36-month
View
▼
APR4.25%
Term36-month
Last UpdatedApr 27, 2026
Details

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave, Ashland, KY, 41101 7514
New Cars and Trucks
4.30%
4 years
View
▼
APR4.30%
Term4 years
Last UpdatedApr 18, 2026
Details

As Low As

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave, Ashland, KY, 41101 7514
New Cars and Trucks
4.39%
3 years
View
▼
APR4.39%
Term3 years
Last UpdatedApr 18, 2026
Details

As Low As

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave, Ashland, KY, 41101 7514
New Cars and Trucks
4.49%
5 years
View
▼
APR4.49%
Term5 years
Last UpdatedApr 18, 2026
Details

As Low As

CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY, 40219 1917
Auto Loans 2022 or newer
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedMay 2, 2026
Details

Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
New Auto Loan
4.50%
48-month
View
▼
APR4.50%
Term48-month
Last UpdatedApr 27, 2026
Details

Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
1420 Gardiner Ln Rm 66, Louisville, KY, 40231 8900
New Auto
4.69%
up to 48 Months
View
▼
APR4.69%
Termup to 48 Months
Last UpdatedMay 2, 2026
Details

Advanz Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
9600 Ormsby Station Rd, Louisville, KY, 40223 4008
Auto Loans - Cars, Trucks, SUVs & Vans (years 2017 & Newer)
4.74%
0 - 59
View
▼
APR4.74%
Term0 - 59
Last UpdatedApr 18, 2026
Details

As Low As

CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY, 40219 1917
Auto Loans 2022 or newer
4.74%
49-63
View
▼
APR4.74%
Term49-63
Last UpdatedMay 2, 2026
Details

Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
2024-2026 New & Used Auto Loan
4.75%
12 - 36
View
▼
APR4.75%
Term12 - 36
Last UpdatedApr 18, 2026
Details

As Low As

KUE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
1 Quality St, Lexington, KY, 40507 1428
New Vehicle Loan
4.75%
Up to 48 months
View
▼
APR4.75%
TermUp to 48 months
Last UpdatedApr 27, 2026
Details

As Low As; New Vehicle Loan

Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
New Auto Loan
4.75%
60-month
View
▼
APR4.75%
Term60-month
Last UpdatedApr 27, 2026
Details

Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
1420 Gardiner Ln Rm 66, Louisville, KY, 40231 8900
New Auto
4.79%
up to 60 Months
View
▼
APR4.79%
Termup to 60 Months
Last UpdatedMay 2, 2026
Details

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave, Ashland, KY, 41101 7514
New Cars and Trucks
4.95%
6 years
View
▼
APR4.95%
Term6 years
Last UpdatedApr 18, 2026
Details

As Low As

Advanz Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
9600 Ormsby Station Rd, Louisville, KY, 40223 4008
Auto Loans - Cars, Trucks, SUVs & Vans (years 2017 & Newer)
4.99%
60 - 74
View
▼
APR4.99%
Term60 - 74
Last UpdatedApr 18, 2026
Details

As Low As

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
New/Used Cars, 2023 and newer models
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedMay 2, 2026
Details

As Low As; Up to 48 months

CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY, 40219 1917
Auto Loans 2022 or newer
4.99%
64-75
View
▼
APR4.99%
Term64-75
Last UpdatedMay 2, 2026
Details

Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
2024-2026 New & Used Auto Loan
5.00%
48 Months
View
▼
APR5.00%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY, 42104 3383
Other Vehicle Loans New
5.00%
1 Year
View
▼
APR5.00%
Term1 Year
Last UpdatedMay 2, 2026
Details

Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
New Auto Loan
5.25%
72-month
View
▼
APR5.25%
Term72-month
Last UpdatedApr 27, 2026
Details

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
New/Used Cars, 2023 and newer models
5.39%
63 Months
View
▼
APR5.39%
Term63 Months
Last UpdatedMay 2, 2026
Details

As Low As; Up to 63 months

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
1315 CANNONSBURG RD, ASHLAND, KY, 41102
New Autos
5.49%
Up to 84 Months
View
▼
APR5.49%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details

CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY, 40219 1917
Auto Loans 2022 or newer
5.49%
76-84
View
▼
APR5.49%
Term76-84
Last UpdatedMay 2, 2026
Details

Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
2024-2026 New & Used Auto Loan
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

KUE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
1 Quality St, Lexington, KY, 40507 1428
New Vehicle Loan
5.50%
49 to 60 months
View
▼
APR5.50%
Term49 to 60 months
Last UpdatedApr 27, 2026
Details

As Low As; New Vehicle Loan

Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
1420 Gardiner Ln Rm 66, Louisville, KY, 40231 8900
New Auto
5.69%
up to 84 Months
View
▼
APR5.69%
Termup to 84 Months
Last UpdatedMay 2, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Toyota Motor Manufacturing, Hebron, KY, 41048
New & Used Vehicles2
5.74%
Up to 2 years
View
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 18, 2026
Details

Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
New Auto Loan
5.75%
84-month
View
▼
APR5.75%
Term84-month
Last UpdatedApr 27, 2026
Details

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
New/Used Cars, 2023 and newer models
5.79%
75 Months
View
▼
APR5.79%
Term75 Months
Last UpdatedMay 2, 2026
Details

As Low As; 64 to 75 months

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave, Ashland, KY, 41101 7514
New Cars and Trucks
5.93%
7 years
View
▼
APR5.93%
Term7 years
Last UpdatedApr 18, 2026
Details

As Low As

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
New/Used Cars, 2023 and newer models
5.99%
48 Months
View
▼
APR5.99%
Term48 Months
Last UpdatedMay 2, 2026
Details

As Low As

Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
2024-2026 New & Used Auto Loan
6.00%
72 Months
View
▼
APR6.00%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY, 42104 3383
Other Vehicle Loans New
6.00%
2 Years
View
▼
APR6.00%
Term2 Years
Last UpdatedMay 2, 2026
Details

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
New/Used Cars, 2023 and newer models
6.39%
49 to 63
View
▼
APR6.39%
Term49 to 63
Last UpdatedMay 2, 2026
Details

As Low As

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
New/Used Cars, 2023 and newer models
6.49%
84 Months
View
▼
APR6.49%
Term84 Months
Last UpdatedMay 2, 2026
Details

As Low As; 76 to 84 months**

Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
2024-2026 New & Used Auto Loan
6.50%
84 Months
View
▼
APR6.50%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY, 42104 3383
Other Vehicle Loans New
6.50%
3 Years
View
▼
APR6.50%
Term3 Years
Last UpdatedMay 2, 2026
Details

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
New/Used Cars, 2023 and newer models
6.79%
64 to 75
View
▼
APR6.79%
Term64 to 75
Last UpdatedMay 2, 2026
Details

As Low As

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY, 42104 3383
Other Vehicle Loans New
7.00%
4 Years
View
▼
APR7.00%
Term4 Years
Last UpdatedMay 2, 2026
Details

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
New/Used Cars, 2023 and newer models
7.49%
76 to 84
View
▼
APR7.49%
Term76 to 84
Last UpdatedMay 2, 2026
Details

As Low As

Advanz Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
9600 Ormsby Station Rd, Louisville, KY, 40223 4008
Auto Loans - Cars, Trucks, SUVs & Vans (years 2017 & Newer)
7.74%
75- 84
View
▼
APR7.74%
Term75- 84
Last UpdatedApr 18, 2026
Details

As Low As

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY, 41042 4894
New and Used Small Vehicle Loans
8.00%
Up to 12 months
View
▼
APR8.00%
TermUp to 12 months
Last UpdatedApr 19, 2026
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY, 42104 3383
Other Vehicle Loans New
8.00%
5 Years
View
▼
APR8.00%
Term5 Years
Last UpdatedMay 2, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY, 41042 4894
New and Used Small Vehicle Loans
8.25%
24 months
View
▼
APR8.25%
Term24 months
Last UpdatedApr 19, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY, 41042 4894
New and Used Small Vehicle Loans
8.50%
36 months
View
▼
APR8.50%
Term36 months
Last UpdatedApr 19, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY, 41042 4894
New and Used Small Vehicle Loans
8.75%
48 months
View
▼
APR8.75%
Term48 months
Last UpdatedApr 19, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY, 41042 4894
New and Used Small Vehicle Loans
9.00%
60 months
View
▼
APR9.00%
Term60 months
Last UpdatedApr 19, 2026
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY, 42104 3383
Other Vehicle Loans New
9.00%
6 Years
View
▼
APR9.00%
Term6 Years
Last UpdatedMay 2, 2026
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY, 42104 3383
Other Vehicle Loans New
10.00%
7 Years
View
▼
APR10.00%
Term7 Years
Last UpdatedMay 2, 2026
Details

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave, Ashland, KY, 41101 7514
Used Cars and Trucks
4.30%
4 years
View
▼
APR4.30%
Term4 years
Last UpdatedApr 18, 2026
Details

As Low As

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave, Ashland, KY, 41101 7514
Used Cars and Trucks
4.39%
3 years
View
▼
APR4.39%
Term3 years
Last UpdatedApr 18, 2026
Details

As Low As

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave, Ashland, KY, 41101 7514
Used Cars and Trucks
4.49%
5 years
View
▼
APR4.49%
Term5 years
Last UpdatedApr 18, 2026
Details

As Low As

Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
Used Auto Loan
4.50%
24-month
View
▼
APR4.50%
Term24-month
Last UpdatedApr 27, 2026
Details

Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
2024-2026 New & Used Auto Loan
4.75%
12 - 36
View
▼
APR4.75%
Term12 - 36
Last UpdatedApr 18, 2026
Details

As Low As

Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
Used Auto Loan
4.75%
36-month
View
▼
APR4.75%
Term36-month
Last UpdatedApr 27, 2026
Details

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave, Ashland, KY, 41101 7514
Used Cars and Trucks
4.95%
6 years
View
▼
APR4.95%
Term6 years
Last UpdatedApr 18, 2026
Details

As Low As

Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
1420 Gardiner Ln Rm 66, Louisville, KY, 40231 8900
Used Auto
4.99%
up to 48 Months
View
▼
APR4.99%
Termup to 48 Months
Last UpdatedMay 2, 2026
Details

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
New/Used Cars, 2023 and newer models
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedMay 2, 2026
Details

As Low As; Up to 48 months

Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
2024-2026 New & Used Auto Loan
5.00%
48 Months
View
▼
APR5.00%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
Used Auto Loan
5.00%
48-month
View
▼
APR5.00%
Term48-month
Last UpdatedApr 27, 2026
Details

Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
1420 Gardiner Ln Rm 66, Louisville, KY, 40231 8900
Used Auto
5.09%
up to 60 Months
View
▼
APR5.09%
Termup to 60 Months
Last UpdatedMay 2, 2026
Details

Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
Used Auto Loan
5.25%
60-month
View
▼
APR5.25%
Term60-month
Last UpdatedApr 27, 2026
Details

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
New/Used Cars, 2023 and newer models
5.39%
63 Months
View
▼
APR5.39%
Term63 Months
Last UpdatedMay 2, 2026
Details

As Low As; Up to 63 months

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
1315 CANNONSBURG RD, ASHLAND, KY, 41102
Used Autos (1-3 Years)
5.49%
Up to 84 Months
View
▼
APR5.49%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
1315 CANNONSBURG RD, ASHLAND, KY, 41102
Used Autos (4-7 Years)
5.49%
Up to 72 Months
View
▼
APR5.49%
TermUp to 72 Months
Last UpdatedMay 2, 2026
Details

Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
2024-2026 New & Used Auto Loan
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Toyota Motor Manufacturing, Hebron, KY, 41048
New & Used Vehicles2
5.74%
Up to 2 years
View
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 18, 2026
Details

Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
Used Auto Loan
5.75%
72-month
View
▼
APR5.75%
Term72-month
Last UpdatedApr 27, 2026
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY, 42104 3383
Other Vehicle Loans Used
5.75%
1 Year
View
▼
APR5.75%
Term1 Year
Last UpdatedMay 2, 2026
Details

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
New/Used Cars, 2023 and newer models
5.79%
75 Months
View
▼
APR5.79%
Term75 Months
Last UpdatedMay 2, 2026
Details

As Low As; 64 to 75 months

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
Used Cars, 2019 through 2022 models
5.89%
63 Months
View
▼
APR5.89%
Term63 Months
Last UpdatedMay 2, 2026
Details

As Low As; Up to 63 months

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave, Ashland, KY, 41101 7514
Used Cars and Trucks
5.93%
7 years
View
▼
APR5.93%
Term7 years
Last UpdatedApr 18, 2026
Details

As Low As

Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
1420 Gardiner Ln Rm 66, Louisville, KY, 40231 8900
Used Auto
5.99%
up to 72 Months
View
▼
APR5.99%
Termup to 72 Months
Last UpdatedMay 2, 2026
Details

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
New/Used Cars, 2023 and newer models
5.99%
48 Months
View
▼
APR5.99%
Term48 Months
Last UpdatedMay 2, 2026
Details

As Low As

Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
2024-2026 New & Used Auto Loan
6.00%
72 Months
View
▼
APR6.00%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
Used Auto Loan
6.25%
84-month
View
▼
APR6.25%
Term84-month
Last UpdatedApr 27, 2026
Details

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
Used Cars, 2019 through 2022 models
6.29%
75 Months
View
▼
APR6.29%
Term75 Months
Last UpdatedMay 2, 2026
Details

As Low As; 64 to 75 months

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
New/Used Cars, 2023 and newer models
6.39%
49 to 63
View
▼
APR6.39%
Term49 to 63
Last UpdatedMay 2, 2026
Details

As Low As

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
1315 CANNONSBURG RD, ASHLAND, KY, 41102
Used Autos (8-10 Years)
6.49%
Up to 60 Months
View
▼
APR6.49%
TermUp to 60 Months
Last UpdatedMay 2, 2026
Details

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
New/Used Cars, 2023 and newer models
6.49%
84 Months
View
▼
APR6.49%
Term84 Months
Last UpdatedMay 2, 2026
Details

As Low As; 76 to 84 months**

Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
2024-2026 New & Used Auto Loan
6.50%
84 Months
View
▼
APR6.50%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
Used Auto Loan
6.50%
24-month
View
▼
APR6.50%
Term24-month
Last UpdatedApr 27, 2026
Details

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
Used Cars, 2018 and older models
6.54%
63 Months
View
▼
APR6.54%
Term63 Months
Last UpdatedMay 2, 2026
Details

As Low As; Up to 63 months

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY, 42104 3383
Other Vehicle Loans Used
6.75%
2 Years
View
▼
APR6.75%
Term2 Years
Last UpdatedMay 2, 2026
Details

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
New/Used Cars, 2023 and newer models
6.79%
64 to 75
View
▼
APR6.79%
Term64 to 75
Last UpdatedMay 2, 2026
Details

As Low As

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
Used Cars, 2019 through 2022 models
6.89%
63 Months
View
▼
APR6.89%
Term63 Months
Last UpdatedMay 2, 2026
Details

As Low As

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
Used Cars, 2019 through 2022 models
6.99%
84 Months
View
▼
APR6.99%
Term84 Months
Last UpdatedMay 2, 2026
Details

As Low As; 76 to 84 months**

Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
Used Auto Loan
7.00%
36-month
View
▼
APR7.00%
Term36-month
Last UpdatedApr 27, 2026
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY, 42104 3383
Other Vehicle Loans Used
7.00%
3 Years
View
▼
APR7.00%
Term3 Years
Last UpdatedMay 2, 2026
Details

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
Used Cars, 2018 and older models
7.04%
75 Months
View
▼
APR7.04%
Term75 Months
Last UpdatedMay 2, 2026
Details

As Low As; 64 to 75 months***

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
Used Cars, 2019 through 2022 models
7.29%
64 to 75
View
▼
APR7.29%
Term64 to 75
Last UpdatedMay 2, 2026
Details

As Low As

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
New/Used Cars, 2023 and newer models
7.49%
76 to 84
View
▼
APR7.49%
Term76 to 84
Last UpdatedMay 2, 2026
Details

As Low As

Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
Used Auto Loan
7.50%
48-month
View
▼
APR7.50%
Term48-month
Last UpdatedApr 27, 2026
Details

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
Used Cars, 2018 and older models
7.54%
63 Months
View
▼
APR7.54%
Term63 Months
Last UpdatedMay 2, 2026
Details

As Low As

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
Used Cars, 2019 through 2022 models
7.99%
76 to 84
View
▼
APR7.99%
Term76 to 84
Last UpdatedMay 2, 2026
Details

As Low As

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY, 41042 4894
New and Used Small Vehicle Loans
8.00%
Up to 12 months
View
▼
APR8.00%
TermUp to 12 months
Last UpdatedApr 19, 2026
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY, 42104 3383
Other Vehicle Loans Used
8.00%
4 Years
View
▼
APR8.00%
Term4 Years
Last UpdatedMay 2, 2026
Details

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
Used Cars, 2018 and older models
8.04%
64 to 75
View
▼
APR8.04%
Term64 to 75
Last UpdatedMay 2, 2026
Details

As Low As

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY, 41042 4894
New and Used Small Vehicle Loans
8.25%
24 months
View
▼
APR8.25%
Term24 months
Last UpdatedApr 19, 2026
Details

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
1315 CANNONSBURG RD, ASHLAND, KY, 41102
Used Autos (10+ Years)
8.49%
Up to 48 Months
View
▼
APR8.49%
TermUp to 48 Months
Last UpdatedMay 2, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY, 41042 4894
New and Used Small Vehicle Loans
8.50%
36 months
View
▼
APR8.50%
Term36 months
Last UpdatedApr 19, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY, 41042 4894
New and Used Small Vehicle Loans
8.75%
48 months
View
▼
APR8.75%
Term48 months
Last UpdatedApr 19, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY, 41042 4894
New and Used Small Vehicle Loans
9.00%
60 months
View
▼
APR9.00%
Term60 months
Last UpdatedApr 19, 2026
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY, 42104 3383
Other Vehicle Loans Used
9.00%
5 Years
View
▼
APR9.00%
Term5 Years
Last UpdatedMay 2, 2026
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY, 42104 3383
Other Vehicle Loans Used
10.00%
6 Years
View
▼
APR10.00%
Term6 Years
Last UpdatedMay 2, 2026
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY, 42104 3383
Other Vehicle Loans Used
11.00%
7 Years
View
▼
APR11.00%
Term7 Years
Last UpdatedMay 2, 2026
Details

Kentucky Auto Loan Rate Trends

Compare local Kentucky auto loan rates against the statewide average

Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Kentucky Auto Trends →
New Auto Loan — KY Avg
5.632%
▼ 0.106 vs 7 days ago

Kentucky new auto rates fell 0.106 points over the past 7 days to 5.632% APR.

Used Auto Loan — KY Avg
6.351%
▲ 0.312 vs 7 days ago

Kentucky used auto rates rose 0.312 points over the past 7 days to 6.351% APR.

As of May 5, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about Auto Loans in Kentucky

How does my credit score affect my car loan rate in Kentucky?

Your credit score is the biggest factor determining your auto loan APR. Borrowers in Kentucky with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.

Is it better to finance through a dealership or a bank?

It is highly recommended to get pre-approved through a local bank or credit union in Kentucky *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.

What is the difference between New and Used Auto Loan rates?

Lenders in Kentucky typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.

How long should my auto loan term be?

While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.

What are the best Auto Loan rates in Kentucky?

Based on our current data, some of the lowest auto loan rates available in Kentucky include:
  • Morehead Community Federal Credit Union: 4.00% (New Auto Loan)
  • Desco Federal Credit Union: 4.30% (New Cars and Trucks)
  • CLASS ACT: 4.49% (Auto Loans 2022 or newer)
  • Louisville Federal Credit Union: 4.69% (New Auto)
  • Advanz Federal Credit Union: 4.74% (Auto Loans - Cars, Trucks, SUVs & Vans (years 2017 & Newer))
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Kentucky. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 2, 2026

Kentucky Rates & Resources

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Kentucky Personal Loan Rates

Auto Loan Rates by City in Kentucky

  • Aberdeen
  • Adairville
  • Adams
  • Adolphus
  • Ages Brookside
  • Albany
  • Alexandria
  • Allegre
  • Allen
  • Allensville
  • Almo
  • Alpha
  • Alvaton
  • Annville
  • Argillite
  • Arjay
  • Arlington
  • Artemus
  • Ary
  • Ashcamp
  • Asher
  • Ashland
  • Athol
  • Auburn
  • Augusta
  • Austin
  • Auxier
  • Avawam
  • Bagdad
  • Bakerton
  • Bandana
  • Banner
  • Barbourville
  • Bardstown
  • Bardwell
  • Barlow
  • Baskett
  • Battletown
  • Baxter
  • Bays
  • Bear Branch
  • Beattyville
  • Beaumont
  • Beauty
  • Beaver
  • Beaver Dam
  • Bedford
  • Bee Spring
  • Beech Creek
  • Beech Grove
  • Beechmont
  • Belcher
  • Belfry
  • Bellevue
  • Belton
  • Benham
  • Benton
  • Berea
  • Berry
  • Bethany
  • Bethelridge
  • Bethlehem
  • Betsy Layne
  • Beverly
  • Bevinsville
  • Big Clifty
  • Big Creek
  • Big Laurel
  • Big Spring
  • Bighill
  • Bimble
  • Blackey
  • Blackford
  • Blaine
  • Bledsoe
  • Bloomfield
  • Blue River
  • Boaz
  • Bonnieville
  • Bonnyman
  • Booneville
  • Boons Camp
  • Boston
  • Bowling Green
  • Bradfordsville
  • Brandenburg
  • Breeding
  • Bremen
  • Brodhead
  • Bronston
  • Brooklyn
  • Brooks
  • Brooksville
  • Browder
  • Brownsville
  • Bryants Store
  • Bryantsville
  • Buckhorn
  • Buckner
  • Buffalo
  • Bulan
  • Burdine
  • Burgin
  • Burkesville
  • Burlington
  • Burna
  • Burnside
  • Bush
  • Busy
  • Butler
  • Bypro
  • Cadiz
  • Calhoun
  • California
  • Calvert City
  • Calvin
  • Camp Dix
  • Campbellsburg
  • Campbellsville
  • Campton
  • Canada
  • Cane Valley
  • Caneyville
  • Canmer
  • Cannel City
  • Cannon
  • Carlisle
  • Carrie
  • Carrollton
  • Carter
  • Catlettsburg
  • Cave City
  • Cawood
  • Cecilia
  • Center
  • Centertown
  • Central City
  • Cerulean
  • Chaplin
  • Chappell
  • Chavies
  • Cisco
  • Clarkson
  • Clay
  • Clay City
  • Clayhole
  • Clearfield
  • Cleaton
  • Clermont
  • Clifty
  • Clinton
  • Closplint
  • Cloverport
  • Coalgood
  • Coldiron
  • Columbia
  • Columbus
  • Combs
  • Confluence
  • Corbin
  • Corinth
  • Cornettsville
  • Corydon
  • Covington
  • Coxs Creek
  • Crab Orchard
  • Cranks
  • Crayne
  • Crestwood
  • Crittenden
  • Crockett
  • Crofton
  • Cromona
  • Cromwell
  • Cub Run
  • Cumberland
  • Cunningham
  • Curdsville
  • Custer
  • Cynthiana
  • Dabolt
  • Dana
  • Danville
  • David
  • Dawson Springs
  • Dayhoit
  • Dayton
  • De Mossville
  • Deane
  • Debord
  • Delphia
  • Dema
  • Denniston
  • Denton
  • Denver
  • Dewitt
  • Dexter
  • Dice
  • Dixon
  • Dorton
  • Dover
  • Drake
  • Drakesboro
  • Drift
  • Dry Ridge
  • Dubre
  • Dunbar
  • Dundee
  • Dunmor
  • Dunnville
  • Dwale
  • Dwarf
  • Dycusburg
  • Earlington
  • East Bernstadt
  • East Point
  • Eastern
  • Eastview
  • Eastwood
  • Eddyville
  • Edmonton
  • Edna
  • Eighty Eight
  • Ekron
  • Elizabethtown
  • Elizaville
  • Elk Horn
  • Elkfork
  • Elkhorn City
  • Elkton
  • Elliottville
  • Elsie
  • Emerson
  • Eminence
  • Emlyn
  • Emmalena
  • Eolia
  • Eriline
  • Erlanger
  • Ermine
  • Essie
  • Etoile
  • Eubank
  • Evarts
  • Ewing
  • Ezel
  • Fairdale
  • Fairfield
  • Fairplay
  • Fairview
  • Falcon
  • Fall Rock
  • Falls Of Rough
  • Falmouth
  • Fancy Farm
  • Farmers
  • Farmington
  • Fedscreek
  • Ferguson
  • Finchville
  • Firebrick
  • Fisherville
  • Fisty
  • Flat Lick
  • Flatgap
  • Flatwoods
  • Flemingsburg
  • Florence
  • Ford
  • Fords Branch
  • Fordsville
  • Forest Hills
  • Fort Campbell
  • Fort Knox
  • Fort Mitchell
  • Fort Thomas
  • Foster
  • Fountain Run
  • Fourmile
  • Frakes
  • Frankfort
  • Franklin
  • Fredonia
  • Freeburn
  • Frenchburg
  • Ft Mitchell
  • Fulton
  • Gamaliel
  • Gapville
  • Garfield
  • Garner
  • Garrard
  • Garrett
  • Garrison
  • Gays Creek
  • Georgetown
  • Germantown
  • Ghent
  • Gilbertsville
  • Girdler
  • Glasgow
  • Glencoe
  • Glendale
  • Glens Fork
  • Glenview
  • Goose Rock
  • Gordon
  • Goshen
  • Gracey
  • Gradyville
  • Graham
  • Grahn
  • Grand Rivers
  • Gravel Switch
  • Gray
  • Gray Hawk
  • Grays Knob
  • Grayson
  • Green Road
  • Greensburg
  • Greenup
  • Greenville
  • Grethel
  • Gulston
  • Gunlock
  • Guston
  • Guthrie
  • Hadley
  • Hagerhill
  • Haldeman
  • Halfway
  • Hallie
  • Hamlin
  • Hampton
  • Hanson
  • Happy
  • Hardburly
  • Hardin
  • Hardinsburg
  • Hardy
  • Hardyville
  • Harlan
  • Harned
  • Harold
  • Harrods Creek
  • Harrodsburg
  • Hartford
  • Hawesville
  • Hazard
  • Hazel
  • Hazel Green
  • Hebron
  • Heidelberg
  • Heidrick
  • Hellier
  • Helton
  • Henderson
  • Herndon
  • Hestand
  • Hi Hat
  • Hickman
  • Hickory
  • Hillsboro
  • Hima
  • Hindman
  • Hinkle
  • Hiseville
  • Hitchins
  • Hodgenville
  • Holland
  • Holmes Mill
  • Hope
  • Hopkinsville
  • Horse Branch
  • Horse Cave
  • Hoskinston
  • Huddy
  • Hudson
  • Hueysville
  • Hulen
  • Huntsville
  • Hustonville
  • Hyden
  • Independence
  • Inez
  • Ingram
  • Irvine
  • Irvington
  • Island
  • Island City
  • Isom
  • Isonville
  • Ivel
  • Ivyton
  • Jackhorn
  • Jackson
  • Jacobs
  • Jamestown
  • Jeff
  • Jeffersonville
  • Jenkins
  • Jeremiah
  • Jetson
  • Jonancy
  • Jonesville
  • Junction City
  • Keaton
  • Keavy
  • Keene
  • Kenton
  • Kenvir
  • Kettle Island
  • Kevil
  • Kimper
  • Kings Mountain
  • Kirksey
  • Kite
  • Knifley
  • Knob Lick
  • Krypton
  • Kuttawa
  • La Center
  • La Fayette
  • La Grange
  • Lackey
  • Lancaster
  • Langley
  • Latonia
  • Lawrenceburg
  • Leander
  • Lebanon
  • Lebanon Junction
  • Leburn
  • Ledbetter
  • Lee City
  • Leitchfield
  • Lejunior
  • Lerose
  • Letcher
  • Lewisburg
  • Lewisport
  • Lexington
  • Liberty
  • Lick Creek
  • Lily
  • Lindseyville
  • Linefork
  • Littcarr
  • Livermore
  • Livingston
  • Lloyd
  • Lockport
  • London
  • Lone
  • Lookout
  • Loretto
  • Lost Creek
  • Louisa
  • Louisville
  • Lovelaceville
  • Lovely
  • Lowes
  • Lowmansville
  • Loyall
  • Lucas
  • Lynch
  • Lynnville
  • Maceo
  • Mackville
  • Madisonville
  • Magnolia
  • Majestic
  • Mallie
  • Malone
  • Mammoth Cave
  • Manchester
  • Manitou
  • Mannsville
  • Maple Mount
  • Marion
  • Marrowbone
  • Marshes Siding
  • Martha
  • Martin
  • Mary Alice
  • Marydell
  • Mason
  • Masonic Home
  • Mayfield
  • Mayking
  • Mayslick
  • Maysville
  • Mazie
  • McAndrews
  • McCarr
  • McDaniels
  • McDowell
  • McHenry
  • McKee
  • McKinney
  • McQuady
  • McRoberts
  • McVeigh
  • Meally
  • Means
  • Melber
  • Melbourne
  • Melvin
  • Middleburg
  • Middlesboro
  • Middlesborough
  • Midway
  • Milburn
  • Milford
  • Mill Springs
  • Millersburg
  • Millstone
  • Milltown
  • Millwood
  • Milton
  • Minerva
  • Minnie
  • Miracle
  • Mistletoe
  • Mitchellsburg
  • Mize
  • Monticello
  • Moorefield
  • Morehead
  • Morganfield
  • Morgantown
  • Morning View
  • Mortons Gap
  • Mount Eden
  • Mount Hermon
  • Mount Olivet
  • Mount Sherman
  • Mount Sterling
  • Mount Vernon
  • Mount Washington
  • Mousie
  • Mouthcard
  • Mozelle
  • Muldraugh
  • Munfordville
  • Murray
  • Muses Mills
  • Myra
  • Nancy
  • Nazareth
  • Nebo
  • Neon
  • Nerinx
  • Nevisdale
  • New Castle
  • New Concord
  • New Haven
  • New Hope
  • New Liberty
  • Newport
  • Nicholasville
  • North Middletown
  • Nortonville
  • Oak Grove
  • Oakland
  • Oil Springs
  • Olaton
  • Olive Hill
  • Olmstead
  • Olympia
  • Oneida
  • Ophir
  • Orlando
  • Owensboro
  • Owenton
  • Owingsville
  • Paducah
  • Paint Lick
  • Paintsville
  • Paris
  • Park City
  • Parkers Lake
  • Parksville
  • Partridge
  • Pathfork
  • Payneville
  • Pellville
  • Pembroke
  • Pendleton
  • Penrod
  • Peoples
  • Perry Park
  • Perryville
  • Petersburg
  • Pewee Valley
  • Phelps
  • Philpot
  • Phyllis
  • Pikeville
  • Pilgrim
  • Pine Knot
  • Pine Ridge
  • Pine Top
  • Pineville
  • Pinsonfork
  • Pippa Passes
  • Pittsburg
  • Pleasureville
  • Plummers Landing
  • Poole
  • Port Royal
  • Powderly
  • Premium
  • Preston
  • Prestonsburg
  • Primrose
  • Princeton
  • Printer
  • Prospect
  • Providence
  • Provo
  • Putney
  • Quincy
  • Raccoon
  • Radcliff
  • Ransom
  • Raven
  • Ravenna
  • Raywick
  • Redfox
  • Reed
  • Regina
  • Renfro Valley
  • Revelo
  • Reynolds Station
  • Rhodelia
  • Ricetown
  • Richardsville
  • Richmond
  • Rineyville
  • River
  • Roark
  • Robards
  • Robinson Creek
  • Rochester
  • Rockfield
  • Rockholds
  • Rockhouse
  • Rockport
  • Rocky Hill
  • Rogers
  • Rosine
  • Roundhill
  • Rousseau
  • Rowdy
  • Roxana
  • Royalton
  • Rumsey
  • Rush
  • Russell
  • Russell Springs
  • Russellville
  • Sacramento
  • Sadieville
  • Saint Catharine
  • Saint Charles
  • Saint Francis
  • Saint Helens
  • Saint Mary
  • Saint Paul
  • Salem
  • Salt Lick
  • Salvisa
  • Salyersville
  • Sanders
  • Sandgap
  • Sandy Hook
  • Sassafras
  • Saul
  • Scalf
  • Science Hill
  • Scottsville
  • Scuddy
  • Se Ree
  • Sebree
  • Seco
  • Sedalia
  • Sextons Creek
  • Sharon Grove
  • Sharpsburg
  • Shelbiana
  • Shelby Gap
  • Shelbyville
  • Shepherdsville
  • Sidney
  • Siler
  • Silver Grove
  • Simpsonville
  • Sitka
  • Sizerock
  • Slade
  • Slaughters
  • Slemp
  • Smilax
  • Smith
  • Smith Mills
  • Smithfield
  • Smithland
  • Smiths Grove
  • Soldier
  • Somerset
  • Sonora
  • South Carrollton
  • South Portsmouth
  • South Shore
  • South Union
  • South Williamson
  • Sparta
  • Spottsville
  • Springfield
  • Staffordsville
  • Stambaugh
  • Stamping Ground
  • Stanford
  • Stanley
  • Stanton
  • Stanville
  • Stearns
  • Steele
  • Stephensport
  • Stinnett
  • Stone
  • Stoney Fork
  • Stopover
  • Strunk
  • Sturgis
  • Sullivan
  • Sulphur
  • Summer Shade
  • Summersville
  • Summit
  • Sweeden
  • Symsonia
  • Talbert
  • Tateville
  • Taylorsville
  • Teaberry
  • Thelma
  • Thornton
  • Thousandsticks
  • Tiline
  • Tiptonville
  • Toler
  • Tollesboro
  • Tolu
  • Tomahawk
  • Tompkinsville
  • Topmost
  • Totz
  • Tram
  • Trenton
  • Trosper
  • Turners Station
  • Tutor Key
  • Tyner
  • Ulysses
  • Union
  • Union Star
  • Uniontown
  • Upton
  • Utica
  • Van Lear
  • Vanceburg
  • Vancleve
  • Varney
  • Verona
  • Versailles
  • Vest
  • Vicco
  • Vincent
  • Vine Grove
  • Viper
  • Virgie
  • Waco
  • Waddy
  • Walker
  • Wallingford
  • Wallins Creek
  • Walton
  • Waneta
  • Warbranch
  • Warfield
  • Warsaw
  • Washington
  • Water Valley
  • Waterview
  • Waverly
  • Wayland
  • Waynesburg
  • Webbville
  • Webster
  • Weeksbury
  • Welchs Creek
  • Wellington
  • Wendover
  • West Liberty
  • West Louisville
  • West Paducah
  • West Point
  • West Prestonsburg
  • West Somerset
  • West Van Lear
  • Westport
  • Westview
  • Wheatcroft
  • Wheelwright
  • Whick
  • White Mills
  • White Plains
  • Whitesburg
  • Whitesville
  • Whitley City
  • Wickliffe
  • Wildie
  • Willard
  • Williamsburg
  • Williamsport
  • Williamstown
  • Willisburg
  • Wilmore
  • Winchester
  • Windsor
  • Wingo
  • Winston
  • Wittensville
  • Woodbine
  • Woodburn
  • Woodbury
  • Woollum
  • Wooton
  • Worthington
  • Worthville
  • Wrigley
  • Yeaddiss
  • Yerkes
  • Yosemite
  • Zoe