Auto Loan Rates in Coldiron, Kentucky (KY) for June 2026
Brian McKay
Brian McKay
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Current auto loan rates in Coldiron, Kentucky include Owensboro Federal Credit UnionOwensboro Federal Credit UnionA+5.0 ★Texas Ratio: 0.78% offering Auto Loan at 3.75%, University of Kentucky Federal Credit UnionUniversity of Kentucky Federal Credit UnionA5.0 ★Texas Ratio: 7.03% offering New/Used Vehicle - Terms 36 Months or Less Loan at 3.99%, CLASS ACTCLASS ACTA+5.0 ★Texas Ratio: 4.37% offering Auto Loan New at 3.99%, Morehead Community Federal Credit UnionMorehead Community Federal Credit UnionA+5.0 ★Texas Ratio: 0.67% offering New Auto Loan at 4.00%, Desco Federal Credit UnionDesco Federal Credit UnionA+5.0 ★Texas Ratio: 2.76% offering New Cars and Trucks Loan at 4.30%. Auto loan rates as of June 16, 2026 according to verified data from MonitorBankRates.
Coldiron borrowers have access to 18 lenders serving the Kentucky area, with auto loan rates as low as 3.75% APR from Owensboro Federal Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Coldiron, Kentucky. Auto Loan Rates Last Updated and Verified: June 16, 2026
Compare Auto Loan Rates Today in Coldiron, Kentucky & Surrounding Area
Coldiron Auto Loan Rates
As Low As; Actual rate is determined by credit score
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As Low As; Actual rate is determined by credit score
AUTO (New or 1 year old with less than 20000 miles); Fixed
As Low As; Actual rate is determined by credit score
AUTO (New or 1 year old with less than 20000 miles); Fixed
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AUTO (New or 1 year old with less than 20000 miles); Fixed
Used Auto up to 10 years old; Fixed
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AUTO (New or 1 year old with less than 20000 miles); Fixed
Used Auto up to 10 years old; Fixed
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As Low As; 0.25% reduction when the loan amount financed is 80% or less of the NADA retail, MSRP, or applicable value. 0.50% electronic payment such as direct deposit, payroll deduction, or automatic withdrawal, which is also reflected in the advertised rate. If electronic payments are discontinued, the loan rate will increase 0.50%. Discount is not available on all loan types.
As Low As; 0.25% reduction when the loan amount financed is 80% or less of the NADA retail, MSRP, or applicable value. 0.50% electronic payment such as direct deposit, payroll deduction, or automatic withdrawal, which is also reflected in the advertised rate. If electronic payments are discontinued, the loan rate will increase 0.50%. Discount is not available on all loan types.
As Low As; 0.25% reduction when the loan amount financed is 80% or less of the NADA retail, MSRP, or applicable value. 0.50% electronic payment such as direct deposit, payroll deduction, or automatic withdrawal, which is also reflected in the advertised rate. If electronic payments are discontinued, the loan rate will increase 0.50%. Discount is not available on all loan types.
As Low As; 0.25% reduction when the loan amount financed is 80% or less of the NADA retail, MSRP, or applicable value. 0.50% electronic payment such as direct deposit, payroll deduction, or automatic withdrawal, which is also reflected in the advertised rate. If electronic payments are discontinued, the loan rate will increase 0.50%. Discount is not available on all loan types. Vehicles older than 7 years prior to current year receive the "Classic" rate.
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Used Auto up to 10 years old; Fixed
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As Low As; Used (2019 - 2022)
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As Low As; Actual rate is determined by credit score
AUTO (New or 1 year old with less than 20000 miles); Fixed
Used Auto up to 10 years old; Fixed
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As Low As; Monthly Payment Example per $1,000 Borrowed: $23.26 based on a 48 month term
Reflects AutoPay .25% deduction
Reflects AutoPay .25% deduction
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As Low As; Newer (2023-2026)
As Low As; Monthly Payment Example per $1,000 Borrowed: $18.43 based on a 63 month term
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AUTO (New or 1 year old with less than 20000 miles); Fixed
Used Auto up to 10 years old; Fixed
As Low As; 0.25% reduction when the loan amount financed is 80% or less of the NADA retail, MSRP, or applicable value. 0.50% electronic payment such as direct deposit, payroll deduction, or automatic withdrawal, which is also reflected in the advertised rate. If electronic payments are discontinued, the loan rate will increase 0.50%. Discount is not available on all loan types.
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As Low As; Offer valid on applications now through June 30 when funded on or before June 30. Purchase and refinanced personal auto loans only with a maximum term of 72 months. Vehicles must be 2019 model year or newer. Not valid on motorcycle or RV loans. Minimum 670 credit score (TransUnion FICO Classic 08 model). All borrowers must be currently employed or receiving regular, monthly, verifiable income.
As Low As; Monthly Payment Example per $1,000 Borrowed: $16.14 based on a 75 month term
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Used auto over 10 years old, over $20,000; Fixed
As Low As; Offer valid on applications now through June 30 when funded on or before June 30. Purchase and refinanced personal auto loans only with a maximum term of 72 months. Vehicles must be 2019 model year or newer. Not valid on motorcycle or RV loans. Minimum 670 credit score (TransUnion FICO Classic 08 model). All borrowers must be currently employed or receiving regular, monthly, verifiable income.
As Low As; Used (2019 - 2022)
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Reflects AutoPay .25% deduction
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As Low As; Actual rate is determined by credit score
Used auto over 10 years old; Fixed
As Low As; Monthly Payment Example per $1,000 Borrowed: $14.97 based on a 84 month term
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Used auto over 10 years old; Fixed
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Used auto over 10 years old; Fixed
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Reflects AutoPay .25% deduction
Coldiron New Auto Auto Loan Rates
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AUTO (New or 1 year old with less than 20000 miles); Fixed
AUTO (New or 1 year old with less than 20000 miles); Fixed
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AUTO (New or 1 year old with less than 20000 miles); Fixed
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AUTO (New or 1 year old with less than 20000 miles); Fixed
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As Low As; 0.25% reduction when the loan amount financed is 80% or less of the NADA retail, MSRP, or applicable value. 0.50% electronic payment such as direct deposit, payroll deduction, or automatic withdrawal, which is also reflected in the advertised rate. If electronic payments are discontinued, the loan rate will increase 0.50%. Discount is not available on all loan types.
As Low As; 0.25% reduction when the loan amount financed is 80% or less of the NADA retail, MSRP, or applicable value. 0.50% electronic payment such as direct deposit, payroll deduction, or automatic withdrawal, which is also reflected in the advertised rate. If electronic payments are discontinued, the loan rate will increase 0.50%. Discount is not available on all loan types.
As Low As; 0.25% reduction when the loan amount financed is 80% or less of the NADA retail, MSRP, or applicable value. 0.50% electronic payment such as direct deposit, payroll deduction, or automatic withdrawal, which is also reflected in the advertised rate. If electronic payments are discontinued, the loan rate will increase 0.50%. Discount is not available on all loan types.
As Low As; 0.25% reduction when the loan amount financed is 80% or less of the NADA retail, MSRP, or applicable value. 0.50% electronic payment such as direct deposit, payroll deduction, or automatic withdrawal, which is also reflected in the advertised rate. If electronic payments are discontinued, the loan rate will increase 0.50%. Discount is not available on all loan types. Vehicles older than 7 years prior to current year receive the "Classic" rate.
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AUTO (New or 1 year old with less than 20000 miles); Fixed
As Low As; Monthly Payment Example per $1,000 Borrowed: $23.26 based on a 48 month term
Reflects AutoPay .25% deduction
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As Low As; Rates as low as:
As Low As; Newer (2023-2026)
As Low As; Monthly Payment Example per $1,000 Borrowed: $18.43 based on a 63 month term
AUTO (New or 1 year old with less than 20000 miles); Fixed
As Low As; 0.25% reduction when the loan amount financed is 80% or less of the NADA retail, MSRP, or applicable value. 0.50% electronic payment such as direct deposit, payroll deduction, or automatic withdrawal, which is also reflected in the advertised rate. If electronic payments are discontinued, the loan rate will increase 0.50%. Discount is not available on all loan types.
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As Low As; Monthly Payment Example per $1,000 Borrowed: $16.14 based on a 75 month term
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As Low As; Monthly Payment Example per $1,000 Borrowed: $14.97 based on a 84 month term
As Low As; Newer (2023-2026)
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Coldiron Used Auto Auto Loan Rates
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Used Auto up to 10 years old; Fixed
Used Auto up to 10 years old; Fixed
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As Low As; 0.25% reduction when the loan amount financed is 80% or less of the NADA retail, MSRP, or applicable value. 0.50% electronic payment such as direct deposit, payroll deduction, or automatic withdrawal, which is also reflected in the advertised rate. If electronic payments are discontinued, the loan rate will increase 0.50%. Discount is not available on all loan types.
As Low As; 0.25% reduction when the loan amount financed is 80% or less of the NADA retail, MSRP, or applicable value. 0.50% electronic payment such as direct deposit, payroll deduction, or automatic withdrawal, which is also reflected in the advertised rate. If electronic payments are discontinued, the loan rate will increase 0.50%. Discount is not available on all loan types.
As Low As; 0.25% reduction when the loan amount financed is 80% or less of the NADA retail, MSRP, or applicable value. 0.50% electronic payment such as direct deposit, payroll deduction, or automatic withdrawal, which is also reflected in the advertised rate. If electronic payments are discontinued, the loan rate will increase 0.50%. Discount is not available on all loan types.
As Low As; 0.25% reduction when the loan amount financed is 80% or less of the NADA retail, MSRP, or applicable value. 0.50% electronic payment such as direct deposit, payroll deduction, or automatic withdrawal, which is also reflected in the advertised rate. If electronic payments are discontinued, the loan rate will increase 0.50%. Discount is not available on all loan types. Vehicles older than 7 years prior to current year receive the "Classic" rate.
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Used Auto up to 10 years old; Fixed
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Used Auto up to 10 years old; Fixed
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Reflects AutoPay .25% deduction
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Used Auto up to 10 years old; Fixed
As Low As; 0.25% reduction when the loan amount financed is 80% or less of the NADA retail, MSRP, or applicable value. 0.50% electronic payment such as direct deposit, payroll deduction, or automatic withdrawal, which is also reflected in the advertised rate. If electronic payments are discontinued, the loan rate will increase 0.50%. Discount is not available on all loan types.
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Used auto over 10 years old, over $20,000; Fixed
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Reflects AutoPay .25% deduction
Used auto over 10 years old; Fixed
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Used auto over 10 years old; Fixed
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Used auto over 10 years old; Fixed
As Low As; Used (2019 - 2022)
Reflects AutoPay .25% deduction
Coldiron, KY Auto Loan Rate Trends
Compare local Coldiron, KY auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Kentucky new auto rates rose 0.061 points over the past 7 days to 5.777% APR.
Kentucky used auto rates fell 0.075 points over the past 7 days to 6.039% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Coldiron, 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 Coldiron, 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 Coldiron, Kentucky. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in KY.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Coldiron, 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?
What are the best Auto Loan rates in Coldiron, Kentucky?
- Owensboro Federal Credit Union: 3.75% (Auto Loan)
- University of Kentucky Federal Credit Union: 3.99% (New/Used Vehicle - Terms 36 Months or Less Loan)
- CLASS ACT: 3.99% (Auto Loan New)
- Morehead Community Federal Credit Union: 4.00% (New Auto Loan)
- Desco Federal Credit Union: 4.30% (New Cars and Trucks Loan)
