Kentucky Best Auto Loan Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Kentucky auto loan rates range from 3.75% to 6.39% APR, verified by MonitorBankRates as of October 13, 2026. Current auto loan rates in Kentucky include Owensboro Federal Credit UnionOwensboro Federal Credit Union717 Harvard Dr, Owensboro, KY, 42301 6185A+5.0 ★Texas Ratio: 0.73% offering Auto Loan at 3.75%, Navy Federal Credit UnionNavy Federal Credit UnionOak Grove Shopping Center, Oak Grove, KY, 42262 8361A5.0 ★Texas Ratio: 8.14% offering New Auto Loan at 3.89%, CLASS ACTCLASS ACT3620 Fern Valley Rd, Louisville, KY, 40219 1917A+5.0 ★Texas Ratio: 3.61% offering Auto Loan at 3.99%, The Health And Education Federal Credit UnionThe Health And Education Federal Credit Union424 Park Pl, Lexington, KY, 40511 1829A+5.0 ★Texas Ratio: 0.46% offering New Auto at 3.99%, University of Kentucky Federal Credit UnionUniversity of Kentucky Federal Credit Union2557 Sir Barton Way, Lexington, KY, 40509A5.0 ★Texas Ratio: 6.97% offering New/Used Vehicle - Terms 36 Months or Less Loan at 3.99%. Auto loan rates as of October 13, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across Kentucky side-by-side. Kentucky auto loan rates currently start as low as 3.75% APR from Owensboro Federal Credit Union at 717 Harvard Dr, Owensboro, KY, 42301 6185. Rates are continually updated, so 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: October 13, 2026
Compare Auto Loan Rates Today in Kentucky
Kentucky Auto Loan Rates
As Low As; Model Year: 2026-2023; Credit Grade: A+; Actual rate is determined by credit score; Effective Date: FEBRUARY 20, 2026
As Low As
As Low As; Rates subject to change.
Model Year: 2022 or newer
As Low As; Amount: 100% Financing
As Low As; Amount Financed: New/Used Vehicle; Rates shown include the 1% Buy-Down Program discount; Effective 9/1/2026
Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only
Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only
Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only
Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only
Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only
Published APR range: 3.99% to 14.39%.
Published APR range: 3.99% to 14.39%.
Published APR range: 3.99% to 14.39%.
Published APR range: 3.99% to 14.39%.
Published APR range: 3.99% to 14.39%.
APR range: 3.99% to 14.69%
APR range: 3.99% to 14.69%
APR range: 3.99% to 14.69%
APR range: 3.99% to 14.69%
APR range: 3.99% to 14.69%
As Low As; Model Year: 2026-2023; Credit Grade: A+; Actual rate is determined by credit score; Effective Date: FEBRUARY 20, 2026
APR Type: Fixed; Description: AUTO (New or 1 year old with less than 20000 miles)
As low as
Model Year: 2017 - 2021
As Low As; Model Year: 2022-2020; Credit Grade: A+; Actual rate is determined by credit score; Effective Date: FEBRUARY 20, 2026
APR Type: Fixed; Description: AUTO (New or 1 year old with less than 20000 miles)
As Low As
As Low As; Rates subject to change.
As Low As; Credit Score must qualify for certain rates; Effective 10/1/2026
- Oct 9, 20264.39%▼ from 4.69%
- Sep 14, 20264.69%first recorded
Credit Score: 680+; Credit Grade: A+/A
As low as; rate includes BCCU checking with direct deposit and auto payments via payroll
Model Year: 2022 or newer
Model Year: 2016 or older
- Sep 22, 20264.49%▲ from 4.24%
- Sep 14, 20264.24%first recorded
As Low As; Amount: 100% Financing
As Low As; Credit Score must qualify for certain rates; Effective 10/1/2026
- Oct 9, 20264.49%▼ from 4.79%
- Sep 14, 20264.79%first recorded
Published APR range: 4.49% to 16.89%. Loan amount $20,000 or more; boats, RVs, aircraft and motorcycle loans only
Term: 61-72 months (greater than or equal to $20,000); Published APR range: 4.49% to 15.09%.
Term: 61-72 months (greater than or equal to $20,000); APR range: 4.49% to 15.39%
As Low As; Model Year: 2026-2023; Credit Grade: A+; Actual rate is determined by credit score; Effective Date: FEBRUARY 20, 2026
As Low As; Model Year: 2022-2020; Credit Grade: A+; Actual rate is determined by credit score; Effective Date: FEBRUARY 20, 2026
Credit Grade: A+ = 750+; *APR = Annual Percentage Rate
Credit Score: 680+; Credit Grade: A+/A; Model years 2014 and older
APR Type: Fixed; Description: AUTO (New or 1 year old with less than 20000 miles)
APR Type: Fixed; Description: Used Auto up to 10 years old
As Low As; APR based on $25,000 loan with $150 origination fee; rates based on A+ credit score, 10% equity, auto deduction from Desco Advantage Plus checking, current Desco mortgage, Desco credit card
As Low As; APR based on $25,000 loan with $150 origination fee; rates based on A+ credit score, 10% equity, auto deduction from Desco Advantage Plus checking, current Desco mortgage, Desco credit card
As Low As
As Low As; Rates subject to change.
As Low As; APR based on $25,000 loan with $150 origination fee; rates based on A+ credit score, 10% equity, auto deduction from Desco Advantage Plus checking, current Desco mortgage, Desco credit card
As Low As; APR based on $25,000 loan with $150 origination fee; rates based on A+ credit score, 10% equity, auto deduction from Desco Advantage Plus checking, current Desco mortgage, Desco credit card
As Low As; Vehicles older than 7 years prior to current year receive the "Classic" rate.
As Low As; APR based on $25,000 loan with $150 origination fee; rates based on A+ credit score, 10% equity, auto deduction from Desco Advantage Plus checking, current Desco mortgage, Desco credit card
As Low As; APR based on $25,000 loan with $150 origination fee; rates based on A+ credit score, 10% equity, auto deduction from Desco Advantage Plus checking, current Desco mortgage, Desco credit card
As low as; rate includes BCCU checking with direct deposit and auto payments via payroll
Model Year: 2022 or newer
Model Year: 2017 - 2021
- Sep 22, 20264.74%▲ from 4.49%
- Sep 14, 20264.49%first recorded
As Low As; Model Year: 2024 - 2027
As Low As; Model Year: 2022-2020; Credit Grade: A+; Actual rate is determined by credit score; Effective Date: FEBRUARY 20, 2026
As Low As; Model Year: 2019-2016; Credit Grade: A+; Actual rate is determined by credit score; Effective Date: FEBRUARY 20, 2026
Published rate range: 4.75% - 15.00%. Rate shown as range; APR within range based on credit score
Credit Grade: A+ = 750+; *APR = Annual Percentage Rate
Credit Score: 680+; Credit Grade: A+/A
As Low As; Loan Type: New; Rates as of April 1, 2026; Rate based on credit eligibility; 100% Retail Value on Vehicles
APR Type: Fixed; Description: AUTO (New or 1 year old with less than 20000 miles)
APR Type: Fixed; Description: Used Auto up to 10 years old
As Low As
As Low As; Rates subject to change.
As Low As; Credit Score must qualify for certain rates; Effective 10/1/2026
- Oct 9, 20264.89%▼ from 4.99%
- Sep 14, 20264.99%first recorded
As low as; rate includes BCCU checking with direct deposit and auto payments via payroll
Credit: A+; Score: 730 and over
Credit: A+; Score: 730 and over
Model Year: 2022 or newer
Model Year: 2017 - 2021
- Sep 22, 20264.99%▲ from 4.74%
- Sep 14, 20264.74%first recorded
Model Year: 2016 or older
- Sep 22, 20264.99%▲ from 4.49%
- Sep 14, 20264.49%first recorded
As Low As; Model Year: 2024 - 2027
As Low As; Amount: 100% Financing
As Low As; Amount Financed: New/Used Vehicle; Rates shown include the 1% Buy-Down Program discount; Effective 9/1/2026
As Low As; Credit Score must qualify for certain rates; Effective 10/1/2026
- Oct 9, 20264.99%▼ from 5.09%
- Sep 14, 20265.09%first recorded
Published APR range: 4.99% to 17.59%. Loan amount $30,000 or more; boats, RVs, aircraft and motorcycle loans only
Term: 73-84 months (greater than or equal to $30,000); Published APR range: 4.99% to 15.79%.
Term: 73-84 months (greater than or equal to $30,000); APR range: 4.99% to 16.09%
Additional APR listed for this product: 5.75%.
As Low As; Model Year: 2019-2016; Credit Grade: A+; Actual rate is determined by credit score; Effective Date: FEBRUARY 20, 2026
Published rate range: 5.00% - 15.50%. Rate shown as range; APR within range based on credit score
Credit Grade: A+ = 750+; *APR = Annual Percentage Rate
- Sep 17, 20265.00%▼ from 6.50%
- Sep 14, 20266.50%first recorded
Credit Grade: A = 680-749; *APR = Annual Percentage Rate
- Sep 17, 20265.00%▲ from 4.50%
- Sep 14, 20264.50%first recorded
Model Year: 2023-2026; Credit Grade: A+ = 750+; Minimum $20,000
Credit Score: 680+; Credit Grade: A+/A; Model years 2018-2015
APR Type: Fixed; Description: Used Auto up to 10 years old
As Low As; Minimum Value: $15,000
As Low As
As Low As
As low as
Published APR range: 5.19% to 17.59%. Loan amount $50,000 or more; boats, RVs and aircraft loans only
As Low As; APR based on $25,000 loan with $150 origination fee; rates based on A+ credit score, 10% equity, auto deduction from Desco Advantage Plus checking, current Desco mortgage, Desco credit card
As Low As; APR based on $25,000 loan with $150 origination fee; rates based on A+ credit score, 10% equity, auto deduction from Desco Advantage Plus checking, current Desco mortgage, Desco credit card
As Low As
Credit: A+; Score: 730 and over
As Low As; Model Year: 2020 - 2023
As Low As; Model Year: 2019-2016; Credit Grade: A+; Actual rate is determined by credit score; Effective Date: FEBRUARY 20, 2026
Published rate range: 5.25% - 16.00%. Rate shown as range; APR within range based on credit score
Credit Grade: A = 680-749; *APR = Annual Percentage Rate
Model Year: 2023-2026; Credit Grade: A+ = 750+; Minimum $20,000
As Low As; New Auto Loan; Effective Date: 02/20/2026
Credit Score: 680+; Credit Grade: A+/A; Loan amount $10,000 or more; Model years 2025-2019
Credit Score: 640-679; Credit Grade: B
Credit Score: 640-679; Credit Grade: B; Model years 2014 and older
APR Type: Fixed; Description: AUTO (New or 1 year old with less than 20000 miles)
APR Type: Fixed; Description: Used Auto up to 10 years old
As Low As
As Low As; Rates subject to change.
As Low As
As Low As; Rates subject to change.
As Low As; Credit Score must qualify for certain rates; Effective 10/1/2026
- Oct 9, 20265.39%▼ from 5.69%
- Sep 14, 20265.69%first recorded
Published APR range: 5.39% to 17.59%. Loan amount $75,000 or more; boats, RVs and aircraft loans only
As Low As
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.49%▲ from 5.39%
- Sep 18, 20265.39%first recorded
As low as; rate includes BCCU checking with direct deposit and auto payments via payroll
Credit: A; Score: 680-729
Credit: A; Score: 680-729
Monthly Payment Example per $1,000 Borrowed: $23.26 based on a 48 month term
As Low As; Model Year: 2020 - 2023
Model Year: 2025-2027 - NEW; Fixed APR; Rates based on representative credit score and LTV; APR disclosed for "A" credit; vehicle is used for any model year if 20,000 or more miles
As Low As; Amount: 100% Financing
As Low As; Amount Financed: New/Used Vehicle; Rates shown include the 1% Buy-Down Program discount; Effective 9/1/2026
APR reflects AutoPay .25% deduction; requires automatic payments set up at origination; rates are fixed for the term; subject to credit approval
APR reflects AutoPay .25% deduction; requires automatic payments set up at origination; rates are fixed for the term; subject to credit approval
APR reflects AutoPay .25% deduction; requires automatic payments set up at origination; rates are fixed for the term; subject to credit approval
Published rate range: 5.50% - 9.00%. Rate shown as range; APR within range based on credit score
Credit Grade: A+ = 750+; Minimum loan $20,000; *APR = Annual Percentage Rate
- Sep 17, 20265.50%▼ from 7.00%
- Sep 14, 20267.00%first recorded
Credit Grade: A = 680-749; *APR = Annual Percentage Rate
- Sep 17, 20265.50%▼ from 6.50%
- Sep 14, 20266.50%first recorded
Model Year: 2020-2022; Credit Grade: A+ = 750+; Minimum $20,000
As Low As; New Auto Loan; Effective Date: 02/20/2026
Credit Score: 680+; Credit Grade: A+/A; Loan amount $20,000 or more; Model years 2025-2019
Credit Score: 640-679; Credit Grade: B
As Low As; Loan Type: New; Rates as of April 1, 2026; Rate based on credit eligibility; 100% Retail Value on Vehicles
Published APR range: 5.59% to 17.59%. Loan amount $100,000 or more; boats, RVs and aircraft loans only
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.69%▲ from 5.59%
- Sep 18, 20265.59%first recorded
As Low As
Credit: A; Score: 680-729
As low as; **
Monthly Payment Example per $1,000 Borrowed: $18.43 based on a 63 month term
Monthly Payment Example per $1,000 Borrowed: $23.37 based on a 48 month term
As Low As; Model Year: 2024 - 2027; Loan amount: $15,000+
Model Year: 2024-2026 - USED; Fixed APR; Rates based on representative credit score and LTV; APR disclosed for "A" credit; vehicle is used for any model year if 20,000 or more miles
Model Year: 2020-2023 - USED; Fixed APR; Rates based on representative credit score and LTV; APR disclosed for "A" credit; vehicle is used for any model year if 20,000 or more miles
Published rate range: 5.75% - 16.50%. Rate shown as range; APR within range based on credit score
Model Year: 2023-2026; Credit Grade: A = 680-749; Minimum $20,000
Model Year: 2023-2026; Credit Grade: A+ = 750+; Minimum $20,000
As Low As; New Auto Loan; Effective Date: 02/20/2026
Credit Score: 640-679; Credit Grade: B; Model years 2018-2015
As Low As; Loan Type: Used Secured; Rates offered are subject to change without notice
APR Type: Fixed; Description: AUTO (New or 1 year old with less than 20000 miles)
APR Type: Fixed; Description: Used Auto up to 10 years old
As low as
As low as
As Low As; Credit Score must qualify for certain rates; Effective 10/1/2026
- Oct 9, 20265.89%▼ from 5.99%
- Sep 14, 20265.99%first recorded
As low as; **
As Low As
Credit: A+; Score: 730 and over
As Low As
As Low As; Rates subject to change.
As Low As; APR; rates based on credit history and qualifications
As Low As; APR; rates based on credit history and qualifications
As Low As; APR; rates based on credit history and qualifications
Additional APR listed for this product: 6.75%.
As Low As; Model Year: 2026-2023; Credit Grade: A+; Actual rate is determined by credit score; Effective Date: FEBRUARY 20, 2026
As Low As; Model Year: 2015-2007; Credit Grade: A+; Actual rate is determined by credit score; Effective Date: FEBRUARY 20, 2026
Published rate range: 6.00% - 16.50%. Rate shown as range; APR within range based on credit score
Credit Grade: A = 680-749; Minimum loan $20,000; *APR = Annual Percentage Rate
- Sep 17, 20266.00%▼ from 7.00%
- Sep 14, 20267.00%first recorded
Credit Grade: B = 640-679; *APR = Annual Percentage Rate
- Sep 17, 20266.00%▲ from 4.50%
- Sep 14, 20264.50%first recorded
Model Year: 2020-2022; Credit Grade: A = 680-749; Minimum $20,000
As Low As; Model Year: 2023-2024
Credit Score: 640-679; Credit Grade: B; Loan amount $10,000 or more; Model years 2025-2019
Credit Tier: A (850-680)
As Low As; Minimum Value: $40,000
As Low As; APR based on $25,000 loan with $150 origination fee; rates based on A+ credit score, 10% equity, auto deduction from Desco Advantage Plus checking, current Desco mortgage, Desco credit card
As Low As; APR based on $25,000 loan with $150 origination fee; rates based on A+ credit score, 10% equity, auto deduction from Desco Advantage Plus checking, current Desco mortgage, Desco credit card
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a new car would have a 6.24% APR for 60 months, monthly payment of $875.01 for $45,000 financing, down payment of $0
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
Monthly Payment Example per $1,000 Borrowed: $16.14 based on a 75 month term
Monthly Payment Example per $1,000 Borrowed: $18.66 based on a 63 month term
As Low As; Amount Financed: New/Used Vehicle; Rates shown include the 1% Buy-Down Program discount; Effective 9/1/2026
Credit Grade: B = 640-679; *APR = Annual Percentage Rate
Model Year: 2020-2022; Credit Grade: A+ = 750+; Minimum $20,000
Model Year: 2023-2026; Credit Grade: A = 680-749; Minimum $20,000
As Low As; New Auto Loan; Effective Date: 02/20/2026
As Low As; Model Year: 2023-2024
As Low As; Model Year: 2021-2022
Credit Score: 640-679; Credit Grade: B; Loan amount $20,000 or more; Model years 2025-2019
APR Type: Fixed; Description: Used Auto up to 10 years old, over $20,000
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a used 2022 year car would have a 6.29% APR for 60 months, monthly payment of $584.04 for $30,000 financing, down payment of $0
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
As low as
As Low As
- Oct 4, 20266.29%▲ from 6.24%
- Sep 16, 20266.24%first recorded
Model Year: 2022; Rate accurate as of October 12, 2026
- Oct 8, 20266.29%▲ from 6.24%
- Sep 25, 20266.24%first recorded
Model Year: 2021; Rate accurate as of October 12, 2026
- Oct 8, 20266.39%▲ from 6.24%
- Sep 25, 20266.24%first recorded
Kentucky New Auto Auto Loan Rates
As Low As
As Low As; Rates subject to change.
As Low As; Amount: 100% Financing
As Low As; Amount Financed: New/Used Vehicle; Rates shown include the 1% Buy-Down Program discount; Effective 9/1/2026
Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only
Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only
Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only
Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only
Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only
Published APR range: 3.99% to 14.39%.
Published APR range: 3.99% to 14.39%.
Published APR range: 3.99% to 14.39%.
Published APR range: 3.99% to 14.39%.
Published APR range: 3.99% to 14.39%.
APR Type: Fixed; Description: AUTO (New or 1 year old with less than 20000 miles)
As low as
APR Type: Fixed; Description: AUTO (New or 1 year old with less than 20000 miles)
As Low As
As Low As; Rates subject to change.
As Low As; Credit Score must qualify for certain rates; Effective 10/1/2026
- Oct 9, 20264.39%▼ from 4.69%
- Sep 14, 20264.69%first recorded
Credit Score: 680+; Credit Grade: A+/A
As low as; rate includes BCCU checking with direct deposit and auto payments via payroll
As Low As; Amount: 100% Financing
As Low As; Credit Score must qualify for certain rates; Effective 10/1/2026
- Oct 9, 20264.49%▼ from 4.79%
- Sep 14, 20264.79%first recorded
Published APR range: 4.49% to 16.89%. Loan amount $20,000 or more; boats, RVs, aircraft and motorcycle loans only
Term: 61-72 months (greater than or equal to $20,000); Published APR range: 4.49% to 15.09%.
Credit Grade: A+ = 750+; *APR = Annual Percentage Rate
Credit Score: 680+; Credit Grade: A+/A; Model years 2014 and older
APR Type: Fixed; Description: AUTO (New or 1 year old with less than 20000 miles)
As Low As; APR based on $25,000 loan with $150 origination fee; rates based on A+ credit score, 10% equity, auto deduction from Desco Advantage Plus checking, current Desco mortgage, Desco credit card
As Low As
As Low As; Rates subject to change.
As Low As; APR based on $25,000 loan with $150 origination fee; rates based on A+ credit score, 10% equity, auto deduction from Desco Advantage Plus checking, current Desco mortgage, Desco credit card
As Low As; Vehicles older than 7 years prior to current year receive the "Classic" rate.
As Low As; APR based on $25,000 loan with $150 origination fee; rates based on A+ credit score, 10% equity, auto deduction from Desco Advantage Plus checking, current Desco mortgage, Desco credit card
As low as; rate includes BCCU checking with direct deposit and auto payments via payroll
As Low As; Model Year: 2024 - 2027
Credit Grade: A+ = 750+; *APR = Annual Percentage Rate
Credit Score: 680+; Credit Grade: A+/A
As Low As; Loan Type: New; Rates as of April 1, 2026; Rate based on credit eligibility; 100% Retail Value on Vehicles
APR Type: Fixed; Description: AUTO (New or 1 year old with less than 20000 miles)
As low as; rate includes BCCU checking with direct deposit and auto payments via payroll
As Low As; Model Year: 2024 - 2027
As Low As; Amount: 100% Financing
As Low As; Amount Financed: New/Used Vehicle; Rates shown include the 1% Buy-Down Program discount; Effective 9/1/2026
Published APR range: 4.99% to 17.59%. Loan amount $30,000 or more; boats, RVs, aircraft and motorcycle loans only
Term: 73-84 months (greater than or equal to $30,000); Published APR range: 4.99% to 15.79%.
Credit Grade: A+ = 750+; *APR = Annual Percentage Rate
- Sep 17, 20265.00%▼ from 6.50%
- Sep 14, 20266.50%first recorded
Credit Grade: A = 680-749; *APR = Annual Percentage Rate
- Sep 17, 20265.00%▲ from 4.50%
- Sep 14, 20264.50%first recorded
Credit Score: 680+; Credit Grade: A+/A; Model years 2018-2015
As Low As; Minimum Value: $15,000
As Low As
As Low As
Published APR range: 5.19% to 17.59%. Loan amount $50,000 or more; boats, RVs and aircraft loans only
As Low As; APR based on $25,000 loan with $150 origination fee; rates based on A+ credit score, 10% equity, auto deduction from Desco Advantage Plus checking, current Desco mortgage, Desco credit card
Credit Grade: A = 680-749; *APR = Annual Percentage Rate
As Low As; New Auto Loan; Effective Date: 02/20/2026
Credit Score: 680+; Credit Grade: A+/A; Loan amount $10,000 or more; Model years 2025-2019
Credit Score: 640-679; Credit Grade: B
Credit Score: 640-679; Credit Grade: B; Model years 2014 and older
APR Type: Fixed; Description: AUTO (New or 1 year old with less than 20000 miles)
As Low As; Credit Score must qualify for certain rates; Effective 10/1/2026
- Oct 9, 20265.39%▼ from 5.69%
- Sep 14, 20265.69%first recorded
Published APR range: 5.39% to 17.59%. Loan amount $75,000 or more; boats, RVs and aircraft loans only
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.49%▲ from 5.39%
- Sep 18, 20265.39%first recorded
As low as; rate includes BCCU checking with direct deposit and auto payments via payroll
Monthly Payment Example per $1,000 Borrowed: $23.26 based on a 48 month term
As Low As; Amount: 100% Financing
As Low As; Amount Financed: New/Used Vehicle; Rates shown include the 1% Buy-Down Program discount; Effective 9/1/2026
APR reflects AutoPay .25% deduction; requires automatic payments set up at origination; rates are fixed for the term; subject to credit approval
Credit Grade: A+ = 750+; Minimum loan $20,000; *APR = Annual Percentage Rate
- Sep 17, 20265.50%▼ from 7.00%
- Sep 14, 20267.00%first recorded
Credit Grade: A = 680-749; *APR = Annual Percentage Rate
- Sep 17, 20265.50%▼ from 6.50%
- Sep 14, 20266.50%first recorded
As Low As; New Auto Loan; Effective Date: 02/20/2026
Credit Score: 680+; Credit Grade: A+/A; Loan amount $20,000 or more; Model years 2025-2019
Credit Score: 640-679; Credit Grade: B
As Low As; Loan Type: New; Rates as of April 1, 2026; Rate based on credit eligibility; 100% Retail Value on Vehicles
Published APR range: 5.59% to 17.59%. Loan amount $100,000 or more; boats, RVs and aircraft loans only
As low as; **
Monthly Payment Example per $1,000 Borrowed: $18.43 based on a 63 month term
As Low As; Model Year: 2024 - 2027; Loan amount: $15,000+
As Low As; New Auto Loan; Effective Date: 02/20/2026
Credit Score: 640-679; Credit Grade: B; Model years 2018-2015
APR Type: Fixed; Description: AUTO (New or 1 year old with less than 20000 miles)
As low as
As low as
As low as; **
As Low As
As Low As; Rates subject to change.
Credit Grade: A = 680-749; Minimum loan $20,000; *APR = Annual Percentage Rate
- Sep 17, 20266.00%▼ from 7.00%
- Sep 14, 20267.00%first recorded
Credit Grade: B = 640-679; *APR = Annual Percentage Rate
- Sep 17, 20266.00%▲ from 4.50%
- Sep 14, 20264.50%first recorded
Credit Score: 640-679; Credit Grade: B; Loan amount $10,000 or more; Model years 2025-2019
As Low As; Minimum Value: $40,000
As Low As; APR based on $25,000 loan with $150 origination fee; rates based on A+ credit score, 10% equity, auto deduction from Desco Advantage Plus checking, current Desco mortgage, Desco credit card
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a new car would have a 6.24% APR for 60 months, monthly payment of $875.01 for $45,000 financing, down payment of $0
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
Monthly Payment Example per $1,000 Borrowed: $16.14 based on a 75 month term
As Low As; Amount Financed: New/Used Vehicle; Rates shown include the 1% Buy-Down Program discount; Effective 9/1/2026
Credit Grade: B = 640-679; *APR = Annual Percentage Rate
As Low As; New Auto Loan; Effective Date: 02/20/2026
Credit Score: 640-679; Credit Grade: B; Loan amount $20,000 or more; Model years 2025-2019
Kentucky Used Auto Auto Loan Rates
As Low As; Amount Financed: New/Used Vehicle; Rates shown include the 1% Buy-Down Program discount; Effective 9/1/2026
Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only
Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only
Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only
Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only
Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only
APR range: 3.99% to 14.69%
APR range: 3.99% to 14.69%
APR range: 3.99% to 14.69%
APR range: 3.99% to 14.69%
APR range: 3.99% to 14.69%
Credit Score: 680+; Credit Grade: A+/A
As low as; rate includes BCCU checking with direct deposit and auto payments via payroll
Published APR range: 4.49% to 16.89%. Loan amount $20,000 or more; boats, RVs, aircraft and motorcycle loans only
Term: 61-72 months (greater than or equal to $20,000); APR range: 4.49% to 15.39%
Credit Score: 680+; Credit Grade: A+/A; Model years 2014 and older
APR Type: Fixed; Description: Used Auto up to 10 years old
As Low As; APR based on $25,000 loan with $150 origination fee; rates based on A+ credit score, 10% equity, auto deduction from Desco Advantage Plus checking, current Desco mortgage, Desco credit card
As Low As; APR based on $25,000 loan with $150 origination fee; rates based on A+ credit score, 10% equity, auto deduction from Desco Advantage Plus checking, current Desco mortgage, Desco credit card
As Low As; Vehicles older than 7 years prior to current year receive the "Classic" rate.
As Low As; APR based on $25,000 loan with $150 origination fee; rates based on A+ credit score, 10% equity, auto deduction from Desco Advantage Plus checking, current Desco mortgage, Desco credit card
As low as; rate includes BCCU checking with direct deposit and auto payments via payroll
Credit Score: 680+; Credit Grade: A+/A
APR Type: Fixed; Description: Used Auto up to 10 years old
As Low As
As Low As; Rates subject to change.
As Low As; Credit Score must qualify for certain rates; Effective 10/1/2026
- Oct 9, 20264.89%▼ from 4.99%
- Sep 14, 20264.99%first recorded
As low as; rate includes BCCU checking with direct deposit and auto payments via payroll
As Low As; Amount Financed: New/Used Vehicle; Rates shown include the 1% Buy-Down Program discount; Effective 9/1/2026
As Low As; Credit Score must qualify for certain rates; Effective 10/1/2026
- Oct 9, 20264.99%▼ from 5.09%
- Sep 14, 20265.09%first recorded
Published APR range: 4.99% to 17.59%. Loan amount $30,000 or more; boats, RVs, aircraft and motorcycle loans only
Term: 73-84 months (greater than or equal to $30,000); APR range: 4.99% to 16.09%
Model Year: 2023-2026; Credit Grade: A+ = 750+; Minimum $20,000
Credit Score: 680+; Credit Grade: A+/A; Model years 2018-2015
APR Type: Fixed; Description: Used Auto up to 10 years old
As Low As; Minimum Value: $15,000
As Low As
As Low As
As low as
Published APR range: 5.19% to 17.59%. Loan amount $50,000 or more; boats, RVs and aircraft loans only
As Low As; APR based on $25,000 loan with $150 origination fee; rates based on A+ credit score, 10% equity, auto deduction from Desco Advantage Plus checking, current Desco mortgage, Desco credit card
As Low As; Model Year: 2020 - 2023
Model Year: 2023-2026; Credit Grade: A+ = 750+; Minimum $20,000
Credit Score: 680+; Credit Grade: A+/A; Loan amount $10,000 or more; Model years 2025-2019
Credit Score: 640-679; Credit Grade: B
Credit Score: 640-679; Credit Grade: B; Model years 2014 and older
APR Type: Fixed; Description: Used Auto up to 10 years old
As Low As
As Low As; Rates subject to change.
As Low As
As Low As; Rates subject to change.
Published APR range: 5.39% to 17.59%. Loan amount $75,000 or more; boats, RVs and aircraft loans only
As low as; rate includes BCCU checking with direct deposit and auto payments via payroll
As Low As; Model Year: 2020 - 2023
As Low As; Amount Financed: New/Used Vehicle; Rates shown include the 1% Buy-Down Program discount; Effective 9/1/2026
APR reflects AutoPay .25% deduction; requires automatic payments set up at origination; rates are fixed for the term; subject to credit approval
APR reflects AutoPay .25% deduction; requires automatic payments set up at origination; rates are fixed for the term; subject to credit approval
Model Year: 2020-2022; Credit Grade: A+ = 750+; Minimum $20,000
Credit Score: 680+; Credit Grade: A+/A; Loan amount $20,000 or more; Model years 2025-2019
Credit Score: 640-679; Credit Grade: B
Published APR range: 5.59% to 17.59%. Loan amount $100,000 or more; boats, RVs and aircraft loans only
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.69%▲ from 5.59%
- Sep 18, 20265.59%first recorded
As low as; **
Monthly Payment Example per $1,000 Borrowed: $23.37 based on a 48 month term
Model Year: 2023-2026; Credit Grade: A = 680-749; Minimum $20,000
Model Year: 2023-2026; Credit Grade: A+ = 750+; Minimum $20,000
Credit Score: 640-679; Credit Grade: B; Model years 2018-2015
APR Type: Fixed; Description: Used Auto up to 10 years old
As Low As; Credit Score must qualify for certain rates; Effective 10/1/2026
- Oct 9, 20265.89%▼ from 5.99%
- Sep 14, 20265.99%first recorded
As low as; **
Model Year: 2020-2022; Credit Grade: A = 680-749; Minimum $20,000
Credit Score: 640-679; Credit Grade: B; Loan amount $10,000 or more; Model years 2025-2019
As Low As; Minimum Value: $40,000
As Low As; APR based on $25,000 loan with $150 origination fee; rates based on A+ credit score, 10% equity, auto deduction from Desco Advantage Plus checking, current Desco mortgage, Desco credit card
Monthly Payment Example per $1,000 Borrowed: $18.66 based on a 63 month term
As Low As; Amount Financed: New/Used Vehicle; Rates shown include the 1% Buy-Down Program discount; Effective 9/1/2026
Model Year: 2020-2022; Credit Grade: A+ = 750+; Minimum $20,000
Model Year: 2023-2026; Credit Grade: A = 680-749; Minimum $20,000
Credit Score: 640-679; Credit Grade: B; Loan amount $20,000 or more; Model years 2025-2019
APR Type: Fixed; Description: Used Auto up to 10 years old, over $20,000
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a used 2022 year car would have a 6.29% APR for 60 months, monthly payment of $584.04 for $30,000 financing, down payment of $0
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
As low as
Model Year: 2022; Rate accurate as of October 12, 2026
- Oct 8, 20266.29%▲ from 6.24%
- Sep 25, 20266.24%first recorded
Model Year: 2021; Rate accurate as of October 12, 2026
- Oct 8, 20266.39%▲ from 6.24%
- Sep 25, 20266.24%first recorded
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.
Kentucky new auto rates fell 0.205 points over the past 7 days to 5.411% APR.
Kentucky used auto rates fell 0.076 points over the past 7 days to 5.811% APR.
Kentucky Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Kentucky figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Kentucky APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.41% APR KY average | Used Auto @ 5.81% APR KY average | Monthly Difference |
|---|---|---|---|
| $15,000 | $285.90/mo | $288.67/mo | $2.77/mo |
| $25,000 | $476.51/mo | $481.12/mo | $4.62/mo |
| $35,000 | $667.11/mo | $673.57/mo | $6.46/mo |
| $45,000 | $857.71/mo | $866.02/mo | $8.31/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in Kentucky
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Kentucky locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Kentucky. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
- Saving up for a bigger down payment: park it in a Kentucky high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Kentucky CD rates lock in a guaranteed return until you’re ready to buy
Kentucky Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $572 monthly car payment works out to roughly 16.9% of the median individual income in Kentucky. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Kentucky, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1 to 3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0 to 2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Kentucky. We’ve prefilled the APR with today’s KY new-auto average, or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our 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 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 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.
Bad Credit Auto Loans in Kentucky
You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.
| Credit Tier | Score Range | New Car APR | Used Car APR | $25,000 Used, 60 Mo. |
|---|---|---|---|---|
| Super prime | 781 to 850 | 4.41% | 6.29% | $487/mo |
| Prime | 661 to 780 | 6.15% | 8.81% | $517/mo |
| Near prime | 601 to 660 | 9.71% | 13.93% | $581/mo |
| Subprime | 501 to 600 | 13.52% | 19.10% | $650/mo |
| Deep subprime | 300 to 500 | 16.11% | 21.62% | $685/mo |
Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.
Get Preapproved Before the Dealer
A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.
Put More Money Down
A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.
Keep the Term Short
A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.
Add a Cosigner
A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.
Be Careful With Buy Here Pay Here
These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.
Frequently Asked Questions about Auto Loans in Kentucky
How does my credit score affect my car loan rate in Kentucky?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
Should I get preapproved for an auto loan before visiting a dealer in Kentucky?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
Can I get an auto loan with bad credit in Kentucky?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Kentucky?
- Owensboro Federal Credit Union: 3.75% (Auto Loan)
- Navy Federal Credit Union: 3.89% (New Auto Loan)
- CLASS ACT: 3.99% (Auto Loan)
- The Health And Education Federal Credit Union: 3.99% (New Auto)
- University of Kentucky Federal Credit Union: 3.99% (New/Used Vehicle - Terms 36 Months or Less Loan)
Kentucky Rates & Resources
Auto Loan Rates by City in Kentucky
