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Auto Loan Rates in Delphia, Kentucky (KY) for May 2026

Content reviewed by
Brian McKay Brian McKay
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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 Delphia, 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 Delphia, Kentucky include Morehead Community Federal Credit UnionMorehead Community Federal Credit UnionA+5.0 ★Texas Ratio: 0.69% offering New Auto Loan at 4.00%, Desco Federal Credit UnionDesco Federal Credit UnionA+5.0 ★Texas Ratio: 2.81% offering New Cars and Trucks at 4.30%, CLASS ACTCLASS ACTA+5.0 ★Texas Ratio: 0.00% offering Auto Loans 2022 or newer at 4.49%, Louisville Federal Credit UnionLouisville Federal Credit UnionA+5.0 ★Texas Ratio: 1.06% offering New Auto at 4.69%, Advanz Federal Credit UnionAdvanz Federal Credit UnionA+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.

Delphia borrowers have access to 14 lenders serving the Kentucky area, with auto loan rates as low as 4.00% APR from Morehead Community 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 Delphia, Kentucky. Auto Loan Rates Last Updated and Verified: May 2, 2026

Compare Auto Loan Rates Today in Delphia, Kentucky & Surrounding Area

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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
Other Vehicle Loans Used
11.00%
7 Years
View
▼
APR11.00%
Term7 Years
Last UpdatedMay 2, 2026
Details

Delphia, KY Auto Loan Rate Trends

Compare local Delphia, 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.

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 Delphia, 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 Delphia, 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 Delphia, 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 Delphia, Kentucky?

Based on our current data, some of the lowest auto loan rates available in Delphia, 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 Delphia, Kentucky. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 2, 2026

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