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Owensboro, Kentucky Best Auto Loan Rates - August 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 Owensboro, 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: August 28, 2026

Current auto loan rates in Owensboro, Kentucky include Owensboro Federal Credit UnionOwensboro Federal Credit Union717 Harvard Dr, Owensboro, KY, 42301 6185A+5.0 ★Texas Ratio: 0.78% offering Auto Loan at 3.75%, Audubon Federal Credit UnionAudubon Federal Credit Union1429 Breckenridge St, Owensboro, KY, 42303A+5.0 ★Texas Ratio: 1.76% offering New Vehicles Loan at 4.50%, Green River Area Federal Credit UnionGreen River Area Federal Credit Union3000 Highway 144, OWENSBORO, KY, 42303 0215A+5.0 ★Texas Ratio: 0.13% offering New Auto 2025-2026 at 5.25%, Daviess County Teachers Federal Credit UnionDaviess County Teachers Federal Credit Union1900 Southeastern Pkwy, Owensboro, KY, 42303A5.0 ★Texas Ratio: 6.37% offering Vehicle Loan (2022-2020) at 5.25%, Chase BankChase Bank2938 Frederica St, Owensboro, KY, 42301A+5.0 ★Texas Ratio: 3.31% offering New car purchase Loan at 5.94%. Auto loan rates as of August 28, 2026 according to verified data from MonitorBankRates.

Owensboro has 6 local institutions in our database, with auto loan rates as low as 3.75% APR from Owensboro Federal Credit Union at 717 Harvard Dr, Owensboro, KY, 42301 6185. 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 Owensboro, Kentucky. Auto Loan Rates Last Updated and Verified: August 28, 2026

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

Jump to: All Auto Loans · New Auto · Used Auto

Owensboro Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
717 Harvard Dr, Owensboro, KY, 42301 6185
Auto Loan
3.75%
48 MONTHS
View
▼
APR3.75%
Term48 MONTHS
Last UpdatedAug 28, 2026
Details

As Low As; Actual rate is determined by credit score

Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
717 Harvard Dr, Owensboro, KY, 42301 6185
Auto Loan
4.00%
60 MONTHS
View
▼
APR4.00%
Term60 MONTHS
Last UpdatedAug 28, 2026
Details

As Low As; Actual rate is determined by credit score

Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
717 Harvard Dr, Owensboro, KY, 42301 6185
Auto Loan
4.25%
48 MONTHS
View
▼
APR4.25%
Term48 MONTHS
Last UpdatedAug 28, 2026
Details

As Low As; Actual rate is determined by credit score

Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
717 Harvard Dr, Owensboro, KY, 42301 6185
Auto Loan
4.50%
72 MONTHS
View
▼
APR4.50%
Term72 MONTHS
Last UpdatedAug 28, 2026
Details

As Low As; Actual rate is determined by credit score

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles Loan
4.50%
48 Mos.
View
▼
APR4.50%
Term48 Mos.
Last UpdatedAug 28, 2026
Details

Score: A+ = 750+

Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
717 Harvard Dr, Owensboro, KY, 42301 6185
Auto Loan
4.75%
72 MONTHS
View
▼
APR4.75%
Term72 MONTHS
Last UpdatedAug 28, 2026
Details

As Low As; Actual rate is determined by credit score

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles Loan
4.75%
60 Mos.
View
▼
APR4.75%
Term60 Mos.
Last UpdatedAug 28, 2026
Details

Score: A+ = 750+

Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
717 Harvard Dr, Owensboro, KY, 42301 6185
Auto Loan
5.00%
60 MONTHS
View
▼
APR5.00%
Term60 MONTHS
Last UpdatedAug 28, 2026
Details

As Low As; Actual rate is determined by credit score

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles Loan
5.00%
72 Mos.
View
▼
APR5.00%
Term72 Mos.
Last UpdatedAug 28, 2026
Details

Score: A+ = 750+

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2023-2026 | 60 Mos Loan
5.00%
60 Months
View
▼
APR5.00%
Term60 Months
Last UpdatedAug 28, 2026
Details

Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
717 Harvard Dr, Owensboro, KY, 42301 6185
Auto Loan
5.25%
66 MONTHS
View
▼
APR5.25%
Term66 MONTHS
Last UpdatedAug 28, 2026
Details

As Low As; Actual rate is determined by credit score

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles Loan
5.25%
60 Mos.
View
▼
APR5.25%
Term60 Mos.
Last UpdatedAug 28, 2026
Details

Score: A = 680-749

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2023-2026 | 72 Mos Loan
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedAug 28, 2026
Details

Green River Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
3000 Highway 144, OWENSBORO, KY, 42303 0215
New Auto 2025-2026
5.25%
63 Months
View
▼
APR5.25%
Term63 Months
Last UpdatedAug 28, 2026
Details

As Low As

Daviess County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.37%
1900 Southeastern Pkwy, Owensboro, KY, 42303
Vehicle Loan (2022-2020)
5.25%
48 months, 60 months, 72 months
View
▼
APR5.25%
Term48 months, 60 months, 72 months
Last UpdatedAug 28, 2026
Details

As Low As

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles Loan
5.50%
84 Mos.
View
▼
APR5.50%
Term84 Mos.
Last UpdatedAug 28, 2026
Details

Score: A+ = 750+; **

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2020-2022 | 60 Mos Loan
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2023-2026 | 60 Mos Loan
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedAug 28, 2026
Details

Green River Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
3000 Highway 144, OWENSBORO, KY, 42303 0215
New Auto 2025-2026
5.50%
66 Months
View
▼
APR5.50%
Term66 Months
Last UpdatedAug 28, 2026
Details

As Low As

Daviess County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.37%
1900 Southeastern Pkwy, Owensboro, KY, 42303
Vehicle Loan (2022-2020)
5.50%
48 months, 60 months, 72 months
View
▼
APR5.50%
Term48 months, 60 months, 72 months
Last UpdatedAug 28, 2026
Details

As Low As

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2023-2026 | 72 Mos Loan
5.75%
72 Months
View
▼
APR5.75%
Term72 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2023-2026 | 84 Mos Loan
5.75%
84 Months
View
▼
APR5.75%
Term84 Months
Last UpdatedAug 28, 2026
Details

Green River Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
3000 Highway 144, OWENSBORO, KY, 42303 0215
New Auto 2025-2026
5.75%
72 Months
View
▼
APR5.75%
Term72 Months
Last UpdatedAug 28, 2026
Details

As Low As

Daviess County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.37%
1900 Southeastern Pkwy, Owensboro, KY, 42303
Vehicle Loan (2019-2017)
5.75%
48 months, 60 months
View
▼
APR5.75%
Term48 months, 60 months
Last UpdatedAug 28, 2026
Details

As Low As

Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
2938 Frederica St, Owensboro, KY, 42301
New car purchase Loan
5.94%
60 months
View
▼
APR5.94%
Term60 months
Last UpdatedAug 28, 2026
Details

Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
2938 Frederica St, Owensboro, KY, 42301
New car rate Loan
5.94%
60 months
View
▼
APR5.94%
Term60 months
Last UpdatedAug 28, 2026
Details

For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a new car would have a 5.94% APR for 60 months, monthly payment of $868.72 for $45,000 financing, down payment of $0.

Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
2938 Frederica St, Owensboro, KY, 42301
Used car purchase Loan
5.99%
60 months
View
▼
APR5.99%
Term60 months
Last UpdatedAug 28, 2026
Details

Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
2938 Frederica St, Owensboro, KY, 42301
Used car rate Loan
5.99%
60 months
View
▼
APR5.99%
Term60 months
Last UpdatedAug 28, 2026
Details

For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a used 2022 year car would have a 5.99% APR for 60 months, monthly payment of $579.84 for $30,000 financing, down payment of $0.

Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
717 Harvard Dr, Owensboro, KY, 42301 6185
Auto Loan
6.00%
84 MONTHS
View
▼
APR6.00%
Term84 MONTHS
Last UpdatedAug 28, 2026
Details

As Low As; Actual rate is determined by credit score

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles Loan
6.00%
84 Mos.
View
▼
APR6.00%
Term84 Mos.
Last UpdatedAug 28, 2026
Details

Score: A = 680-749; **

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2020-2022 | 60 Mos Loan
6.00%
60 Months
View
▼
APR6.00%
Term60 Months
Last UpdatedAug 28, 2026
Details

Green River Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
3000 Highway 144, OWENSBORO, KY, 42303 0215
Vehicle Loan
6.00%
63 Months
View
▼
APR6.00%
Term63 Months
Last UpdatedAug 28, 2026
Details

As Low As; 2023-2024

Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
2820 N York St, Owensboro, KY, 42301 3344
Vehicle Loan (2022)
6.24%
Up to 63 Months
View
▼
APR6.24%
TermUp to 63 Months
Last UpdatedAug 28, 2026
Details

as low as

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles Loan
6.25%
60 Mos.
View
▼
APR6.25%
Term60 Mos.
Last UpdatedAug 28, 2026
Details

Score: B = 640-679

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2020-2022 | 72 Mos Loan
6.25%
72 Months
View
▼
APR6.25%
Term72 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2023-2026 | 84 Mos Loan
6.25%
84 Months
View
▼
APR6.25%
Term84 Months
Last UpdatedAug 28, 2026
Details

Green River Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
3000 Highway 144, OWENSBORO, KY, 42303 0215
New Auto 2025-2026
6.25%
84 Months
View
▼
APR6.25%
Term84 Months
Last UpdatedAug 28, 2026
Details

As Low As

Green River Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
3000 Highway 144, OWENSBORO, KY, 42303 0215
Vehicle Loan
6.25%
72 Months
View
▼
APR6.25%
Term72 Months
Last UpdatedAug 28, 2026
Details

As Low As; 2023-2024

Daviess County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.37%
1900 Southeastern Pkwy, Owensboro, KY, 42303
Vehicle Loan (2022-2020)
6.25%
48 months, 60 months, 72 months
View
▼
APR6.25%
Term48 months, 60 months, 72 months
Last UpdatedAug 28, 2026
Details

As Low As

Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
2820 N York St, Owensboro, KY, 42301 3344
Vehicle Loan (2020)
6.38%
63 Months
View
▼
APR6.38%
Term63 Months
Last UpdatedAug 28, 2026
Details

as low as

Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
717 Harvard Dr, Owensboro, KY, 42301 6185
Auto Loan
6.50%
60 MONTHS
View
▼
APR6.50%
Term60 MONTHS
Last UpdatedAug 28, 2026
Details

As Low As; Actual rate is determined by credit score

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles Loan
6.50%
72 Mos.
View
▼
APR6.50%
Term72 Mos.
Last UpdatedAug 28, 2026
Details

Score: B = 640-679

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2023-2026 | 60 Mos Loan
6.50%
60 Months
View
▼
APR6.50%
Term60 Months
Last UpdatedAug 28, 2026
Details

Green River Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
3000 Highway 144, OWENSBORO, KY, 42303 0215
Vehicle Loan
6.50%
72 Months
View
▼
APR6.50%
Term72 Months
Last UpdatedAug 28, 2026
Details

As Low As; 2021-2022

Daviess County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.37%
1900 Southeastern Pkwy, Owensboro, KY, 42303
Vehicle Loan (2016 & Older)
6.50%
48 months, 60 months
View
▼
APR6.50%
Term48 months, 60 months
Last UpdatedAug 28, 2026
Details

As Low As

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2020-2022 | 72 Mos Loan
6.75%
72 Months
View
▼
APR6.75%
Term72 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2023-2026 | 72 Mos Loan
6.75%
72 Months
View
▼
APR6.75%
Term72 Months
Last UpdatedAug 28, 2026
Details

Green River Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
3000 Highway 144, OWENSBORO, KY, 42303 0215
Vehicle Loan
6.75%
63 Months
View
▼
APR6.75%
Term63 Months
Last UpdatedAug 28, 2026
Details

As Low As; 2019-2020

Daviess County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.37%
1900 Southeastern Pkwy, Owensboro, KY, 42303
Vehicle Loan (2016 & Older)
6.75%
48 months, 60 months
View
▼
APR6.75%
Term48 months, 60 months
Last UpdatedAug 28, 2026
Details

As Low As

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles Loan
7.00%
84 Mos.
View
▼
APR7.00%
Term84 Mos.
Last UpdatedAug 28, 2026
Details

Score: B = 640-679; **

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2017-2019 | 60 Mos Loan
7.00%
60 Months
View
▼
APR7.00%
Term60 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2020-2022 | 60 Mos Loan
7.00%
60 Months
View
▼
APR7.00%
Term60 Months
Last UpdatedAug 28, 2026
Details

Green River Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
3000 Highway 144, OWENSBORO, KY, 42303 0215
Vehicle Loan
7.00%
60 Months
View
▼
APR7.00%
Term60 Months
Last UpdatedAug 28, 2026
Details

As Low As; 2016-2018

Daviess County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.37%
1900 Southeastern Pkwy, Owensboro, KY, 42303
Vehicle Loan (2019-2017)
7.00%
48 months, 60 months
View
▼
APR7.00%
Term48 months, 60 months
Last UpdatedAug 28, 2026
Details

As Low As

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2017-2019 | 72 Mos Loan
7.25%
72 Months
View
▼
APR7.25%
Term72 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2023-2026 | 84 Mos Loan
7.25%
84 Months
View
▼
APR7.25%
Term84 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2016 & Older | 48 Mos. Loan
7.50%
48 Months
View
▼
APR7.50%
Term48 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2017-2019 | 60 Mos Loan
7.50%
60 Months
View
▼
APR7.50%
Term60 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2016 & Older | 60 Mos. Loan
7.75%
60 Months
View
▼
APR7.75%
Term60 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2017-2019 | 72 Mos Loan
7.75%
72 Months
View
▼
APR7.75%
Term72 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2020-2022 | 72 Mos Loan
7.75%
72 Months
View
▼
APR7.75%
Term72 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles Loan
8.00%
48 Mos.
View
▼
APR8.00%
Term48 Mos.
Last UpdatedAug 28, 2026
Details

Score: C = 600-639

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2016 & Older | 48 Mos. Loan
8.00%
48 Months
View
▼
APR8.00%
Term48 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles Loan
8.25%
60 Mos.
View
▼
APR8.25%
Term60 Mos.
Last UpdatedAug 28, 2026
Details

Score: C = 600-639

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2016 & Older | 60 Mos. Loan
8.25%
60 Months
View
▼
APR8.25%
Term60 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles Loan
8.50%
72 Mos.
View
▼
APR8.50%
Term72 Mos.
Last UpdatedAug 28, 2026
Details

Score: C = 600-639

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2017-2019 | 60 Mos Loan
8.50%
60 Months
View
▼
APR8.50%
Term60 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2023-2026 | 60 Mos Loan
8.50%
60 Months
View
▼
APR8.50%
Term60 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2017-2019 | 72 Mos Loan
8.75%
72 Months
View
▼
APR8.75%
Term72 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2023-2026 | 72 Mos Loan
8.75%
72 Months
View
▼
APR8.75%
Term72 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles Loan
9.00%
84 Mos.
View
▼
APR9.00%
Term84 Mos.
Last UpdatedAug 28, 2026
Details

Score: C = 600-639; **

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2016 & Older | 48 Mos. Loan
9.00%
48 Months
View
▼
APR9.00%
Term48 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2020-2022 | 60 Mos Loan
9.00%
60 Months
View
▼
APR9.00%
Term60 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2016 & Older | 60 Mos. Loan
9.25%
60 Months
View
▼
APR9.25%
Term60 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2023-2026 | 84 Mos Loan
9.25%
84 Months
View
▼
APR9.25%
Term84 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2020-2022 | 72 Mos Loan
9.75%
72 Months
View
▼
APR9.75%
Term72 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles Loan
10.00%
48 Mos.
View
▼
APR10.00%
Term48 Mos.
Last UpdatedAug 28, 2026
Details

Score: D = 550-599

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles Loan
10.25%
60 Mos.
View
▼
APR10.25%
Term60 Mos.
Last UpdatedAug 28, 2026
Details

Score: D = 550-599

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles Loan
10.50%
72 Mos.
View
▼
APR10.50%
Term72 Mos.
Last UpdatedAug 28, 2026
Details

Score: D = 550-599

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2017-2019 | 60 Mos Loan
10.50%
60 Months
View
▼
APR10.50%
Term60 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2017-2019 | 72 Mos Loan
10.75%
72 Months
View
▼
APR10.75%
Term72 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles Loan
11.00%
84 Mos.
View
▼
APR11.00%
Term84 Mos.
Last UpdatedAug 28, 2026
Details

Score: D = 550-599; **

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2016 & Older | 48 Mos. Loan
11.00%
48 Months
View
▼
APR11.00%
Term48 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2016 & Older | 60 Mos. Loan
11.25%
60 Months
View
▼
APR11.25%
Term60 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2023-2026 | 60 Mos Loan
12.00%
60 Months
View
▼
APR12.00%
Term60 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2023-2026 | 72 Mos Loan
12.25%
72 Months
View
▼
APR12.25%
Term72 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2020-2022 | 60 Mos Loan
12.50%
60 Months
View
▼
APR12.50%
Term60 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2023-2026 | 84 Mos Loan
12.75%
84 Months
View
▼
APR12.75%
Term84 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2020-2022 | 72 Mos Loan
13.25%
72 Months
View
▼
APR13.25%
Term72 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2017-2019 | 60 Mos Loan
14.00%
60 Months
View
▼
APR14.00%
Term60 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2017-2019 | 72 Mos Loan
14.25%
72 Months
View
▼
APR14.25%
Term72 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2016 & Older | 48 Mos. Loan
14.50%
48 Months
View
▼
APR14.50%
Term48 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2016 & Older | 60 Mos. Loan
14.75%
60 Months
View
▼
APR14.75%
Term60 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles Loan
15.00%
48 Mos.
View
▼
APR15.00%
Term48 Mos.
Last UpdatedAug 28, 2026
Details

Score: E = 549

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2023-2026 | 60 Mos Loan
15.00%
60 Months
View
▼
APR15.00%
Term60 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles Loan
15.25%
60 Mos.
View
▼
APR15.25%
Term60 Mos.
Last UpdatedAug 28, 2026
Details

Score: E = 549

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2023-2026 | 72 Mos Loan
15.25%
72 Months
View
▼
APR15.25%
Term72 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles Loan
15.50%
72 Mos.
View
▼
APR15.50%
Term72 Mos.
Last UpdatedAug 28, 2026
Details

Score: E = 549

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2020-2022 | 60 Mos Loan
15.50%
60 Months
View
▼
APR15.50%
Term60 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2023-2026 | 84 Mos Loan
15.75%
84 Months
View
▼
APR15.75%
Term84 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles Loan
16.00%
84 Mos.
View
▼
APR16.00%
Term84 Mos.
Last UpdatedAug 28, 2026
Details

Score: E = 549-; **

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2020-2022 | 72 Mos Loan
16.25%
72 Months
View
▼
APR16.25%
Term72 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2017-2019 | 60 Mos Loan
17.00%
60 Months
View
▼
APR17.00%
Term60 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2017-2019 | 72 Mos Loan
17.25%
72 Months
View
▼
APR17.25%
Term72 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2016 & Older | 48 Mos. Loan
17.50%
48 Months
View
▼
APR17.50%
Term48 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2016 & Older | 60 Mos. Loan
17.75%
60 Months
View
▼
APR17.75%
Term60 Months
Last UpdatedAug 28, 2026
Details

Kemba Louisville Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
New to 2 year old vehicle Loan
2.25%
60 months
View
▼
APR2.25%
Term60 months
Last UpdatedAug 28, 2026
Details

Example: Vehicle's NADA Clean Retail Value is $25K and you finance only $20K on a new to 2 year old vehicle, (and the best credit score) THEN 2.25% APR, 60 months = Rate per $1,000 borrowed monthly factor is $17.65. A loan financing $20,000 would be a monthly payment of $353.16 before any add-ons, such as Credit Insurance, GAP+ADR or Extended Warranty.

The Health And Education Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
New Auto
3.99%
48 Months
View
▼
APR3.99%
Term48 Months
Last UpdatedAug 28, 2026
Details

100% Financing

The Health And Education Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
Used Auto
3.99%
Varies
View
▼
APR3.99%
TermVaries
Last UpdatedAug 28, 2026
Details

NADA Retail

University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.03%
New/Used Vehicle - Terms 36 Months or Less Loan
3.99%
36 Months or Less
View
▼
APR3.99%
Term36 Months or Less
Last UpdatedAug 28, 2026
Details

As low as; *

CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
Auto Loans
3.99%
Up to 48 Months
View
▼
APR3.99%
TermUp to 48 Months
Last UpdatedAug 28, 2026
Details

Rates shown reflect .25% discount for automatic payment discount and on 2022 or newer models.

Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
New Auto Loan
4.00%
24-month
View
▼
APR4.00%
Term24-month
Last UpdatedAug 28, 2026
Details

AUTO (New or 1 year old with less than 20000 miles)

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
Auto Loan
4.09%
Up to 12 months
View
▼
APR4.09%
TermUp to 12 months
Last UpdatedAug 28, 2026
Details

CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
Auto Loans
4.24%
Up to 48 Months
View
▼
APR4.24%
TermUp to 48 Months
Last UpdatedAug 28, 2026
Details

Rates shown reflect .25% discount for automatic payment discount and on 2022 or newer models.

CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
Vehicle Loan (2017 - 2021)
4.24%
Up to 48 Months
View
▼
APR4.24%
TermUp to 48 Months
Last UpdatedAug 28, 2026
Details

Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
New Auto Loan
4.25%
36-month
View
▼
APR4.25%
Term36-month
Last UpdatedAug 28, 2026
Details

AUTO (New or 1 year old with less than 20000 miles)

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Cars and Trucks Loan
4.30%
4 years
View
▼
APR4.30%
Term4 years
Last UpdatedAug 28, 2026
Details

As low as*

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Used Cars and Trucks Loan
4.30%
4 years
View
▼
APR4.30%
Term4 years
Last UpdatedAug 28, 2026
Details

As low as**

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
Auto Loan
4.39%
Up to 12 months
View
▼
APR4.39%
TermUp to 12 months
Last UpdatedAug 28, 2026
Details

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Cars and Trucks Loan
4.39%
3 years
View
▼
APR4.39%
Term3 years
Last UpdatedAug 28, 2026
Details

As low as*

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Used Cars and Trucks Loan
4.39%
3 years
View
▼
APR4.39%
Term3 years
Last UpdatedAug 28, 2026
Details

As low as**

The Health And Education Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
New Auto
4.49%
60 Months
View
▼
APR4.49%
Term60 Months
Last UpdatedAug 28, 2026
Details

100% Financing

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Cars and Trucks Loan
4.49%
5 years
View
▼
APR4.49%
Term5 years
Last UpdatedAug 28, 2026
Details

As low as*

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Used Cars and Trucks Loan
4.49%
5 years
View
▼
APR4.49%
Term5 years
Last UpdatedAug 28, 2026
Details

As low as**

CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
Auto Loans
4.49%
49 - 60 Months
View
▼
APR4.49%
Term49 - 60 Months
Last UpdatedAug 28, 2026
Details

Rates shown reflect .25% discount for automatic payment discount and on 2022 or newer models.

Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
New Auto Loan
4.50%
48-month
View
▼
APR4.50%
Term48-month
Last UpdatedAug 28, 2026
Details

AUTO (New or 1 year old with less than 20000 miles)

Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
Used Auto Loan
4.50%
24-month
View
▼
APR4.50%
Term24-month
Last UpdatedAug 28, 2026
Details

Used Auto up to 10 years old

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
Auto Loan
4.59%
61-72 months (greater than or equal to $20,000)
View
▼
APR4.59%
Term61-72 months (greater than or equal to $20,000)
Last UpdatedAug 28, 2026
Details

Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Auto
4.69%
up to 48 Months
View
▼
APR4.69%
Termup to 48 Months
Last UpdatedAug 28, 2026
Details

As Low As

One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
Newer Auto Loan
4.74%
up to 48 months
View
▼
APR4.74%
Termup to 48 months
Last UpdatedAug 28, 2026
Details

As Low As; Newer (2023-2026)

Advanz Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Auto Loans - Cars, Trucks, SUVs & Vans (years 2017 & Newer)
4.74%
0 - 59 Months
View
▼
APR4.74%
Term0 - 59 Months
Last UpdatedAug 28, 2026
Details

As Low As;*

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Vehicle Loans
4.74%
6-year
View
▼
APR4.74%
Term6-year
Last UpdatedAug 28, 2026
Details

Rates, terms, and conditions are subject to change and may vary based on creditworthiness, model, year, term, and loan amount. All loans are subject to approval and not all applicants will qualify for the lowest rate. Rates are based on an A+ credit score, 10% equity in the vehicle, auto deduction from a DESCO Advantage Plus checking account, a current DESCO mortgage, and have a DESCO Credit Card. APR=Annual Percentage Rate; based off a $25,000.00 loan with a $150.00 loan origination fee. Approximate monthly loan payment at 4.74% is $402.08 on a $25,000.00 loan with a 6-year term.

Advanz Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Auto Loans - Cars, Trucks, SUVs & Vans (years 2017 & Newer) - 0 - 59 Months
4.74%
59 Months
View
▼
APR4.74%
Term59 Months
Last UpdatedAug 28, 2026
Details

As Low As;*

CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
Auto Loans
4.74%
61 - 72 Months
View
▼
APR4.74%
Term61 - 72 Months
Last UpdatedAug 28, 2026
Details

Rates shown reflect .25% discount for automatic payment discount and on 2022 or newer models.

CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
Vehicle Loan (2017 - 2021)
4.74%
49 - 60 Months
View
▼
APR4.74%
Term49 - 60 Months
Last UpdatedAug 28, 2026
Details

WBH Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Auto Loan 2021-2024
4.75%
Up to 36 Mos
View
▼
APR4.75%
TermUp to 36 Mos
Last UpdatedAug 28, 2026
Details

For rates shown as ranges, the APR will be within the range disclosed above and is based on your credit score. Please ask for the initial rate you qualify for.

KUE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.68%
New Vehicle Loan
4.75%
Up to 48 months
View
▼
APR4.75%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details

As Low As

Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
New Auto Loan
4.75%
60-month
View
▼
APR4.75%
Term60-month
Last UpdatedAug 28, 2026
Details

AUTO (New or 1 year old with less than 20000 miles)

Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
Used Auto Loan
4.75%
36-month
View
▼
APR4.75%
Term36-month
Last UpdatedAug 28, 2026
Details

Used Auto up to 10 years old

Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Auto
4.79%
up to 60 Months
View
▼
APR4.79%
Termup to 60 Months
Last UpdatedAug 28, 2026
Details

As Low As

Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.26%
New & Used Auto Loans
4.83%
72 Months
View
▼
APR4.83%
Term72 Months
Last UpdatedAug 28, 2026
Details

As Low As*; Not all will qualify for lowest rate.

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
Auto Loan
4.89%
61-72 months
View
▼
APR4.89%
Term61-72 months
Last UpdatedAug 28, 2026
Details

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Cars and Trucks Loan
4.95%
6 years
View
▼
APR4.95%
Term6 years
Last UpdatedAug 28, 2026
Details

As low as*

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Used Cars and Trucks Loan
4.95%
6 years
View
▼
APR4.95%
Term6 years
Last UpdatedAug 28, 2026
Details

As low as**

One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
Newer Auto Loan
4.99%
up to 60 months
View
▼
APR4.99%
Termup to 60 months
Last UpdatedAug 28, 2026
Details

As Low As; Newer (2023-2026)

The Health And Education Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
New Auto
4.99%
75 Months
View
▼
APR4.99%
Term75 Months
Last UpdatedAug 28, 2026
Details

100% Financing

Advanz Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Auto Loans - Cars, Trucks, SUVs & Vans (years 2017 & Newer)
4.99%
60 - 74 Months
View
▼
APR4.99%
Term60 - 74 Months
Last UpdatedAug 28, 2026
Details

As Low As;*

Advanz Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Auto Loans - Cars, Trucks, SUVs & Vans (years 2017 & Newer) - 60 - 74 Months
4.99%
74 Months
View
▼
APR4.99%
Term74 Months
Last UpdatedAug 28, 2026
Details

As Low As;*

University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.03%
New/Used Vehicle - Terms 37 to 66 Months Loan
4.99%
37 to 66 Months
View
▼
APR4.99%
Term37 to 66 Months
Last UpdatedAug 28, 2026
Details

As low as; *

Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Auto
4.99%
up to 48 Months
View
▼
APR4.99%
Termup to 48 Months
Last UpdatedAug 28, 2026
Details

As Low As

Transcend Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.91%
Auto Loan
4.99%
up to 48 months
View
▼
APR4.99%
Termup to 48 months
Last UpdatedAug 28, 2026
Details

As Low As; Purchase

CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
Auto Loans
4.99%
73 - 84 Months
View
▼
APR4.99%
Term73 - 84 Months
Last UpdatedAug 28, 2026
Details

Rates shown reflect .25% discount for automatic payment discount and on 2022 or newer models.

CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
Vehicle Loan (2017 - 2021)
4.99%
61 - 72 Months
View
▼
APR4.99%
Term61 - 72 Months
Last UpdatedAug 28, 2026
Details

WBH Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Auto Loan 2021-2024
5.00%
Up to 60 Mos
View
▼
APR5.00%
TermUp to 60 Mos
Last UpdatedAug 28, 2026
Details

For rates shown as ranges, the APR will be within the range disclosed above and is based on your credit score. Please ask for the initial rate you qualify for.

Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
Used Auto Loan
5.00%
48-month
View
▼
APR5.00%
Term48-month
Last UpdatedAug 28, 2026
Details

Used Auto up to 10 years old

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Other Vehicle Loans - 1st Term New
5.00%
1st Term
View
▼
APR5.00%
Term1st Term
Last UpdatedAug 28, 2026
Details

Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Auto
5.09%
up to 60 Months
View
▼
APR5.09%
Termup to 60 Months
Last UpdatedAug 28, 2026
Details

As Low As

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
Auto Loan
5.09%
73-84 months (greater than or equal to $30,000)
View
▼
APR5.09%
Term73-84 months (greater than or equal to $30,000)
Last UpdatedAug 28, 2026
Details

Transcend Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.91%
Auto Loan
5.14%
up to 78 months
View
▼
APR5.14%
Termup to 78 months
Last UpdatedAug 28, 2026
Details

As Low As; Refinance

Transcend Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.91%
Auto Loan
5.19%
up to 48 months
View
▼
APR5.19%
Termup to 48 months
Last UpdatedAug 28, 2026
Details

As Low As;**

One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
Used Auto Loan
5.24%
up to 48 months
View
▼
APR5.24%
Termup to 48 months
Last UpdatedAug 28, 2026
Details

As Low As; Used (2019 - 2022)

University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.03%
New/Used Vehicle - Terms 67 to 75 Months Loan
5.24%
67 to 75 Months
View
▼
APR5.24%
Term67 to 75 Months
Last UpdatedAug 28, 2026
Details

As low as; *

Park Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.93%
Auto Loans
5.24%
Up to 48 Months
View
▼
APR5.24%
TermUp to 48 Months
Last UpdatedAug 28, 2026
Details

Transcend Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.91%
Auto Loan
5.24%
up to 66 months
View
▼
APR5.24%
Termup to 66 months
Last UpdatedAug 28, 2026
Details

As Low As; Purchase

WBH Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Auto Loan 2021-2024
5.25%
Up to 72 Mos
View
▼
APR5.25%
TermUp to 72 Mos
Last UpdatedAug 28, 2026
Details

For rates shown as ranges, the APR will be within the range disclosed above and is based on your credit score. Please ask for the initial rate you qualify for.

Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
New Auto Loan
5.25%
72-month
View
▼
APR5.25%
Term72-month
Last UpdatedAug 28, 2026
Details

AUTO (New or 1 year old with less than 20000 miles)

Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
Used Auto Loan
5.25%
60-month
View
▼
APR5.25%
Term60-month
Last UpdatedAug 28, 2026
Details

Used Auto up to 10 years old

Kemba Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.93%
Vehicle Loan (2025-2026)
5.39%
Up to 63 Months
View
▼
APR5.39%
TermUp to 63 Months
Last UpdatedAug 28, 2026
Details

As Low As;*

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
Auto Loan
5.39%
73-84 months
View
▼
APR5.39%
Term73-84 months
Last UpdatedAug 28, 2026
Details

Transcend Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.91%
Auto Loan
5.44%
up to 66 months
View
▼
APR5.44%
Termup to 66 months
Last UpdatedAug 28, 2026
Details

As Low As;**

One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
Used Auto Loan
5.49%
up to 60 months
View
▼
APR5.49%
Termup to 60 months
Last UpdatedAug 28, 2026
Details

As Low As; Used (2019 - 2022)

L and N Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
2025-2027 - NEW Auto Loan
5.49%
Up to 63 mos.
View
▼
APR5.49%
TermUp to 63 mos.
Last UpdatedAug 28, 2026
Details

Rates are based on the representative credit score and LTV. APR disclosed is for "A" credit and may not be applicable to all. Please note: Vehicle is considered used, for any model year, if it has 20,000 or more miles. *APR - Annual Percentage Rate. Annual Percentage Rate based on credit qualifications. Rate subject to change.

The Health And Education Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
New Auto
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedAug 28, 2026
Details

100% Financing

Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
New Auto Loans
5.49%
1-48 months
View
▼
APR5.49%
Term1-48 months
Last UpdatedAug 28, 2026
Details

Monthly Payment Example per $1,000 Borrowed: $23.26 based on a 48 month term

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
New Autos (2026 and 2027 models)
5.49%
Up to 84 Months
View
▼
APR5.49%
TermUp to 84 Months
Last UpdatedAug 28, 2026
Details

Reflects AutoPay .25% deduction

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Used Autos (1-3 Years)
5.49%
Up to 84 Months
View
▼
APR5.49%
TermUp to 84 Months
Last UpdatedAug 28, 2026
Details

Reflects AutoPay .25% deduction

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Used Autos (4-7 Years)
5.49%
Up to 72 Months
View
▼
APR5.49%
TermUp to 72 Months
Last UpdatedAug 28, 2026
Details

Reflects AutoPay .25% deduction

WBH Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Auto Loan 2021-2024
5.50%
Up to 84 Mos
View
▼
APR5.50%
TermUp to 84 Mos
Last UpdatedAug 28, 2026
Details

For rates shown as ranges, the APR will be within the range disclosed above and is based on your credit score. Please ask for the initial rate you qualify for.

KUE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.68%
New Vehicle Loan
5.50%
49 to 60 months
View
▼
APR5.50%
Term49 to 60 months
Last UpdatedAug 28, 2026
Details

As Low As

Transcend Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.91%
Auto Loan
5.64%
up to 78 months
View
▼
APR5.64%
Termup to 78 months
Last UpdatedAug 28, 2026
Details

As Low As; Purchase

Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Auto
5.69%
up to 84 Months
View
▼
APR5.69%
Termup to 84 Months
Last UpdatedAug 28, 2026
Details

As Low As

Transcend Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.91%
Auto Loan
5.69%
up to 48 months
View
▼
APR5.69%
Termup to 48 months
Last UpdatedAug 28, 2026
Details

As Low As;*

One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
Newer Auto Loan
5.74%
up to 72 months
View
▼
APR5.74%
Termup to 72 months
Last UpdatedAug 28, 2026
Details

As Low As; Newer (2023-2026)

Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
New Auto Loans
5.74%
49-63 months
View
▼
APR5.74%
Term49-63 months
Last UpdatedAug 28, 2026
Details

Monthly Payment Example per $1,000 Borrowed: $18.43 based on a 63 month term

Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Used Auto Loans
5.74%
1-48 months
View
▼
APR5.74%
Term1-48 months
Last UpdatedAug 28, 2026
Details

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.82%
New/Used Cars, 2023 and newer models, Up to 48 months Loan
5.74%
Up to 48 months
View
▼
APR5.74%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details

As low as

L and N Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
2020-2023 - USED Auto Loan
5.75%
Up to 51 mos.
View
▼
APR5.75%
TermUp to 51 mos.
Last UpdatedAug 28, 2026
Details

Rates are based on the representative credit score and LTV. APR disclosed is for "A" credit and may not be applicable to all. Please note: Vehicle is considered used, for any model year, if it has 20,000 or more miles. *APR - Annual Percentage Rate. Annual Percentage Rate based on credit qualifications. Rate subject to change.

L and N Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
2024-2026 - USED Auto Loan
5.75%
Up to 63 mos.
View
▼
APR5.75%
TermUp to 63 mos.
Last UpdatedAug 28, 2026
Details

Rates are based on the representative credit score and LTV. APR disclosed is for "A" credit and may not be applicable to all. Please note: Vehicle is considered used, for any model year, if it has 20,000 or more miles. *APR - Annual Percentage Rate. Annual Percentage Rate based on credit qualifications. Rate subject to change.

WBH Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Auto Loan 2017-2020
5.75%
Up to 48 Mos
View
▼
APR5.75%
TermUp to 48 Mos
Last UpdatedAug 28, 2026
Details

For rates shown as ranges, the APR will be within the range disclosed above and is based on your credit score. Please ask for the initial rate you qualify for.

Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
New Auto Loan
5.75%
84-month
View
▼
APR5.75%
Term84-month
Last UpdatedAug 28, 2026
Details

AUTO (New or 1 year old with less than 20000 miles)

Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
Used Auto Loan
5.75%
72-month
View
▼
APR5.75%
Term72-month
Last UpdatedAug 28, 2026
Details

Used Auto up to 10 years old

University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.03%
Auto Loan
5.75%
72 Months
View
▼
APR5.75%
Term72 Months
Last UpdatedAug 28, 2026
Details

University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.03%
New Auto Loan
5.75%
60 Months
View
▼
APR5.75%
Term60 Months
Last UpdatedAug 28, 2026
Details

Rates shown include the 1% Buy-Down Program discount and no additional discount is available beyond these rates.

University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.03%
Used Auto Loan
5.75%
36 Months
View
▼
APR5.75%
Term36 Months
Last UpdatedAug 28, 2026
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Other Vehicle Loans - 1st Term Used
5.75%
1st Term
View
▼
APR5.75%
Term1st Term
Last UpdatedAug 28, 2026
Details

Metro Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Autos New and Used
5.79%
Multiple terms available
View
▼
APR5.79%
TermMultiple terms available
Last UpdatedAug 28, 2026
Details

100% Financing.

Transcend Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.91%
Auto Loan
5.84%
up to 78 months
View
▼
APR5.84%
Termup to 78 months
Last UpdatedAug 28, 2026
Details

As Low As;**

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.82%
New/Used Cars, 2023 and newer models, Up to 63 months Loan
5.90%
Up to 63 months
View
▼
APR5.90%
TermUp to 63 months
Last UpdatedAug 28, 2026
Details

As low as

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Cars and Trucks Loan
5.93%
7 years
View
▼
APR5.93%
Term7 years
Last UpdatedAug 28, 2026
Details

As low as*

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Used Cars and Trucks Loan
5.93%
7 years
View
▼
APR5.93%
Term7 years
Last UpdatedAug 28, 2026
Details

As low as**

Owensboro New Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles Loan
4.50%
48 Mos.
View
▼
APR4.50%
Term48 Mos.
Last UpdatedAug 28, 2026
Details

Score: A+ = 750+

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles Loan
4.75%
60 Mos.
View
▼
APR4.75%
Term60 Mos.
Last UpdatedAug 28, 2026
Details

Score: A+ = 750+

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles Loan
5.00%
72 Mos.
View
▼
APR5.00%
Term72 Mos.
Last UpdatedAug 28, 2026
Details

Score: A+ = 750+

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles Loan
5.25%
60 Mos.
View
▼
APR5.25%
Term60 Mos.
Last UpdatedAug 28, 2026
Details

Score: A = 680-749

Green River Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
3000 Highway 144, OWENSBORO, KY, 42303 0215
New Auto 2025-2026
5.25%
63 Months
View
▼
APR5.25%
Term63 Months
Last UpdatedAug 28, 2026
Details

As Low As

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles Loan
5.50%
84 Mos.
View
▼
APR5.50%
Term84 Mos.
Last UpdatedAug 28, 2026
Details

Score: A+ = 750+; **

Green River Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
3000 Highway 144, OWENSBORO, KY, 42303 0215
New Auto 2025-2026
5.50%
66 Months
View
▼
APR5.50%
Term66 Months
Last UpdatedAug 28, 2026
Details

As Low As

Green River Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
3000 Highway 144, OWENSBORO, KY, 42303 0215
New Auto 2025-2026
5.75%
72 Months
View
▼
APR5.75%
Term72 Months
Last UpdatedAug 28, 2026
Details

As Low As

Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
2938 Frederica St, Owensboro, KY, 42301
New car purchase Loan
5.94%
60 months
View
▼
APR5.94%
Term60 months
Last UpdatedAug 28, 2026
Details

Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
2938 Frederica St, Owensboro, KY, 42301
New car rate Loan
5.94%
60 months
View
▼
APR5.94%
Term60 months
Last UpdatedAug 28, 2026
Details

For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a new car would have a 5.94% APR for 60 months, monthly payment of $868.72 for $45,000 financing, down payment of $0.

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles Loan
6.00%
84 Mos.
View
▼
APR6.00%
Term84 Mos.
Last UpdatedAug 28, 2026
Details

Score: A = 680-749; **

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles Loan
6.25%
60 Mos.
View
▼
APR6.25%
Term60 Mos.
Last UpdatedAug 28, 2026
Details

Score: B = 640-679

Green River Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
3000 Highway 144, OWENSBORO, KY, 42303 0215
New Auto 2025-2026
6.25%
84 Months
View
▼
APR6.25%
Term84 Months
Last UpdatedAug 28, 2026
Details

As Low As

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles Loan
6.50%
72 Mos.
View
▼
APR6.50%
Term72 Mos.
Last UpdatedAug 28, 2026
Details

Score: B = 640-679

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles Loan
7.00%
84 Mos.
View
▼
APR7.00%
Term84 Mos.
Last UpdatedAug 28, 2026
Details

Score: B = 640-679; **

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles Loan
8.00%
48 Mos.
View
▼
APR8.00%
Term48 Mos.
Last UpdatedAug 28, 2026
Details

Score: C = 600-639

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles Loan
8.25%
60 Mos.
View
▼
APR8.25%
Term60 Mos.
Last UpdatedAug 28, 2026
Details

Score: C = 600-639

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles Loan
8.50%
72 Mos.
View
▼
APR8.50%
Term72 Mos.
Last UpdatedAug 28, 2026
Details

Score: C = 600-639

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles Loan
9.00%
84 Mos.
View
▼
APR9.00%
Term84 Mos.
Last UpdatedAug 28, 2026
Details

Score: C = 600-639; **

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles Loan
10.00%
48 Mos.
View
▼
APR10.00%
Term48 Mos.
Last UpdatedAug 28, 2026
Details

Score: D = 550-599

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles Loan
10.25%
60 Mos.
View
▼
APR10.25%
Term60 Mos.
Last UpdatedAug 28, 2026
Details

Score: D = 550-599

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles Loan
10.50%
72 Mos.
View
▼
APR10.50%
Term72 Mos.
Last UpdatedAug 28, 2026
Details

Score: D = 550-599

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles Loan
11.00%
84 Mos.
View
▼
APR11.00%
Term84 Mos.
Last UpdatedAug 28, 2026
Details

Score: D = 550-599; **

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles Loan
15.00%
48 Mos.
View
▼
APR15.00%
Term48 Mos.
Last UpdatedAug 28, 2026
Details

Score: E = 549

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles Loan
15.25%
60 Mos.
View
▼
APR15.25%
Term60 Mos.
Last UpdatedAug 28, 2026
Details

Score: E = 549

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles Loan
15.50%
72 Mos.
View
▼
APR15.50%
Term72 Mos.
Last UpdatedAug 28, 2026
Details

Score: E = 549

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles Loan
16.00%
84 Mos.
View
▼
APR16.00%
Term84 Mos.
Last UpdatedAug 28, 2026
Details

Score: E = 549-; **

Kemba Louisville Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
New to 2 year old vehicle Loan
2.25%
60 months
View
▼
APR2.25%
Term60 months
Last UpdatedAug 28, 2026
Details

Example: Vehicle's NADA Clean Retail Value is $25K and you finance only $20K on a new to 2 year old vehicle, (and the best credit score) THEN 2.25% APR, 60 months = Rate per $1,000 borrowed monthly factor is $17.65. A loan financing $20,000 would be a monthly payment of $353.16 before any add-ons, such as Credit Insurance, GAP+ADR or Extended Warranty.

The Health And Education Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
New Auto
3.99%
48 Months
View
▼
APR3.99%
Term48 Months
Last UpdatedAug 28, 2026
Details

100% Financing

University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.03%
New/Used Vehicle - Terms 36 Months or Less Loan
3.99%
36 Months or Less
View
▼
APR3.99%
Term36 Months or Less
Last UpdatedAug 28, 2026
Details

As low as; *

Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
New Auto Loan
4.00%
24-month
View
▼
APR4.00%
Term24-month
Last UpdatedAug 28, 2026
Details

AUTO (New or 1 year old with less than 20000 miles)

Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
New Auto Loan
4.25%
36-month
View
▼
APR4.25%
Term36-month
Last UpdatedAug 28, 2026
Details

AUTO (New or 1 year old with less than 20000 miles)

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Cars and Trucks Loan
4.30%
4 years
View
▼
APR4.30%
Term4 years
Last UpdatedAug 28, 2026
Details

As low as*

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Cars and Trucks Loan
4.39%
3 years
View
▼
APR4.39%
Term3 years
Last UpdatedAug 28, 2026
Details

As low as*

The Health And Education Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
New Auto
4.49%
60 Months
View
▼
APR4.49%
Term60 Months
Last UpdatedAug 28, 2026
Details

100% Financing

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Cars and Trucks Loan
4.49%
5 years
View
▼
APR4.49%
Term5 years
Last UpdatedAug 28, 2026
Details

As low as*

Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
New Auto Loan
4.50%
48-month
View
▼
APR4.50%
Term48-month
Last UpdatedAug 28, 2026
Details

AUTO (New or 1 year old with less than 20000 miles)

Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Auto
4.69%
up to 48 Months
View
▼
APR4.69%
Termup to 48 Months
Last UpdatedAug 28, 2026
Details

As Low As

One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
Newer Auto Loan
4.74%
up to 48 months
View
▼
APR4.74%
Termup to 48 months
Last UpdatedAug 28, 2026
Details

As Low As; Newer (2023-2026)

Advanz Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Auto Loans - Cars, Trucks, SUVs & Vans (years 2017 & Newer)
4.74%
0 - 59 Months
View
▼
APR4.74%
Term0 - 59 Months
Last UpdatedAug 28, 2026
Details

As Low As;*

Advanz Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Auto Loans - Cars, Trucks, SUVs & Vans (years 2017 & Newer) - 0 - 59 Months
4.74%
59 Months
View
▼
APR4.74%
Term59 Months
Last UpdatedAug 28, 2026
Details

As Low As;*

KUE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.68%
New Vehicle Loan
4.75%
Up to 48 months
View
▼
APR4.75%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details

As Low As

Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
New Auto Loan
4.75%
60-month
View
▼
APR4.75%
Term60-month
Last UpdatedAug 28, 2026
Details

AUTO (New or 1 year old with less than 20000 miles)

Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Auto
4.79%
up to 60 Months
View
▼
APR4.79%
Termup to 60 Months
Last UpdatedAug 28, 2026
Details

As Low As

Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.26%
New & Used Auto Loans
4.83%
72 Months
View
▼
APR4.83%
Term72 Months
Last UpdatedAug 28, 2026
Details

As Low As*; Not all will qualify for lowest rate.

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Cars and Trucks Loan
4.95%
6 years
View
▼
APR4.95%
Term6 years
Last UpdatedAug 28, 2026
Details

As low as*

One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
Newer Auto Loan
4.99%
up to 60 months
View
▼
APR4.99%
Termup to 60 months
Last UpdatedAug 28, 2026
Details

As Low As; Newer (2023-2026)

The Health And Education Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
New Auto
4.99%
75 Months
View
▼
APR4.99%
Term75 Months
Last UpdatedAug 28, 2026
Details

100% Financing

Advanz Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Auto Loans - Cars, Trucks, SUVs & Vans (years 2017 & Newer)
4.99%
60 - 74 Months
View
▼
APR4.99%
Term60 - 74 Months
Last UpdatedAug 28, 2026
Details

As Low As;*

Advanz Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Auto Loans - Cars, Trucks, SUVs & Vans (years 2017 & Newer) - 60 - 74 Months
4.99%
74 Months
View
▼
APR4.99%
Term74 Months
Last UpdatedAug 28, 2026
Details

As Low As;*

University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.03%
New/Used Vehicle - Terms 37 to 66 Months Loan
4.99%
37 to 66 Months
View
▼
APR4.99%
Term37 to 66 Months
Last UpdatedAug 28, 2026
Details

As low as; *

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Other Vehicle Loans - 1st Term New
5.00%
1st Term
View
▼
APR5.00%
Term1st Term
Last UpdatedAug 28, 2026
Details

University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.03%
New/Used Vehicle - Terms 67 to 75 Months Loan
5.24%
67 to 75 Months
View
▼
APR5.24%
Term67 to 75 Months
Last UpdatedAug 28, 2026
Details

As low as; *

Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
New Auto Loan
5.25%
72-month
View
▼
APR5.25%
Term72-month
Last UpdatedAug 28, 2026
Details

AUTO (New or 1 year old with less than 20000 miles)

L and N Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
2025-2027 - NEW Auto Loan
5.49%
Up to 63 mos.
View
▼
APR5.49%
TermUp to 63 mos.
Last UpdatedAug 28, 2026
Details

Rates are based on the representative credit score and LTV. APR disclosed is for "A" credit and may not be applicable to all. Please note: Vehicle is considered used, for any model year, if it has 20,000 or more miles. *APR - Annual Percentage Rate. Annual Percentage Rate based on credit qualifications. Rate subject to change.

The Health And Education Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
New Auto
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedAug 28, 2026
Details

100% Financing

Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
New Auto Loans
5.49%
1-48 months
View
▼
APR5.49%
Term1-48 months
Last UpdatedAug 28, 2026
Details

Monthly Payment Example per $1,000 Borrowed: $23.26 based on a 48 month term

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
New Autos (2026 and 2027 models)
5.49%
Up to 84 Months
View
▼
APR5.49%
TermUp to 84 Months
Last UpdatedAug 28, 2026
Details

Reflects AutoPay .25% deduction

KUE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.68%
New Vehicle Loan
5.50%
49 to 60 months
View
▼
APR5.50%
Term49 to 60 months
Last UpdatedAug 28, 2026
Details

As Low As

Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Auto
5.69%
up to 84 Months
View
▼
APR5.69%
Termup to 84 Months
Last UpdatedAug 28, 2026
Details

As Low As

One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
Newer Auto Loan
5.74%
up to 72 months
View
▼
APR5.74%
Termup to 72 months
Last UpdatedAug 28, 2026
Details

As Low As; Newer (2023-2026)

Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
New Auto Loans
5.74%
49-63 months
View
▼
APR5.74%
Term49-63 months
Last UpdatedAug 28, 2026
Details

Monthly Payment Example per $1,000 Borrowed: $18.43 based on a 63 month term

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.82%
New/Used Cars, 2023 and newer models, Up to 48 months Loan
5.74%
Up to 48 months
View
▼
APR5.74%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details

As low as

Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
New Auto Loan
5.75%
84-month
View
▼
APR5.75%
Term84-month
Last UpdatedAug 28, 2026
Details

AUTO (New or 1 year old with less than 20000 miles)

University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.03%
New Auto Loan
5.75%
60 Months
View
▼
APR5.75%
Term60 Months
Last UpdatedAug 28, 2026
Details

Rates shown include the 1% Buy-Down Program discount and no additional discount is available beyond these rates.

Metro Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Autos New and Used
5.79%
Multiple terms available
View
▼
APR5.79%
TermMultiple terms available
Last UpdatedAug 28, 2026
Details

100% Financing.

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.82%
New/Used Cars, 2023 and newer models, Up to 63 months Loan
5.90%
Up to 63 months
View
▼
APR5.90%
TermUp to 63 months
Last UpdatedAug 28, 2026
Details

As low as

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Cars and Trucks Loan
5.93%
7 years
View
▼
APR5.93%
Term7 years
Last UpdatedAug 28, 2026
Details

As low as*

Owensboro Used Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2023-2026 | 60 Mos Loan
5.00%
60 Months
View
▼
APR5.00%
Term60 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2023-2026 | 72 Mos Loan
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2020-2022 | 60 Mos Loan
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2023-2026 | 60 Mos Loan
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2023-2026 | 72 Mos Loan
5.75%
72 Months
View
▼
APR5.75%
Term72 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2023-2026 | 84 Mos Loan
5.75%
84 Months
View
▼
APR5.75%
Term84 Months
Last UpdatedAug 28, 2026
Details

Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
2938 Frederica St, Owensboro, KY, 42301
Used car purchase Loan
5.99%
60 months
View
▼
APR5.99%
Term60 months
Last UpdatedAug 28, 2026
Details

Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
2938 Frederica St, Owensboro, KY, 42301
Used car rate Loan
5.99%
60 months
View
▼
APR5.99%
Term60 months
Last UpdatedAug 28, 2026
Details

For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a used 2022 year car would have a 5.99% APR for 60 months, monthly payment of $579.84 for $30,000 financing, down payment of $0.

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2020-2022 | 60 Mos Loan
6.00%
60 Months
View
▼
APR6.00%
Term60 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2020-2022 | 72 Mos Loan
6.25%
72 Months
View
▼
APR6.25%
Term72 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2023-2026 | 84 Mos Loan
6.25%
84 Months
View
▼
APR6.25%
Term84 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2023-2026 | 60 Mos Loan
6.50%
60 Months
View
▼
APR6.50%
Term60 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2020-2022 | 72 Mos Loan
6.75%
72 Months
View
▼
APR6.75%
Term72 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2023-2026 | 72 Mos Loan
6.75%
72 Months
View
▼
APR6.75%
Term72 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2017-2019 | 60 Mos Loan
7.00%
60 Months
View
▼
APR7.00%
Term60 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2020-2022 | 60 Mos Loan
7.00%
60 Months
View
▼
APR7.00%
Term60 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2017-2019 | 72 Mos Loan
7.25%
72 Months
View
▼
APR7.25%
Term72 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2023-2026 | 84 Mos Loan
7.25%
84 Months
View
▼
APR7.25%
Term84 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2016 & Older | 48 Mos. Loan
7.50%
48 Months
View
▼
APR7.50%
Term48 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2017-2019 | 60 Mos Loan
7.50%
60 Months
View
▼
APR7.50%
Term60 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2016 & Older | 60 Mos. Loan
7.75%
60 Months
View
▼
APR7.75%
Term60 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2017-2019 | 72 Mos Loan
7.75%
72 Months
View
▼
APR7.75%
Term72 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2020-2022 | 72 Mos Loan
7.75%
72 Months
View
▼
APR7.75%
Term72 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2016 & Older | 48 Mos. Loan
8.00%
48 Months
View
▼
APR8.00%
Term48 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2016 & Older | 60 Mos. Loan
8.25%
60 Months
View
▼
APR8.25%
Term60 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2017-2019 | 60 Mos Loan
8.50%
60 Months
View
▼
APR8.50%
Term60 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2023-2026 | 60 Mos Loan
8.50%
60 Months
View
▼
APR8.50%
Term60 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2017-2019 | 72 Mos Loan
8.75%
72 Months
View
▼
APR8.75%
Term72 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2023-2026 | 72 Mos Loan
8.75%
72 Months
View
▼
APR8.75%
Term72 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2016 & Older | 48 Mos. Loan
9.00%
48 Months
View
▼
APR9.00%
Term48 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2020-2022 | 60 Mos Loan
9.00%
60 Months
View
▼
APR9.00%
Term60 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2016 & Older | 60 Mos. Loan
9.25%
60 Months
View
▼
APR9.25%
Term60 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2023-2026 | 84 Mos Loan
9.25%
84 Months
View
▼
APR9.25%
Term84 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2020-2022 | 72 Mos Loan
9.75%
72 Months
View
▼
APR9.75%
Term72 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2017-2019 | 60 Mos Loan
10.50%
60 Months
View
▼
APR10.50%
Term60 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2017-2019 | 72 Mos Loan
10.75%
72 Months
View
▼
APR10.75%
Term72 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2016 & Older | 48 Mos. Loan
11.00%
48 Months
View
▼
APR11.00%
Term48 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2016 & Older | 60 Mos. Loan
11.25%
60 Months
View
▼
APR11.25%
Term60 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2023-2026 | 60 Mos Loan
12.00%
60 Months
View
▼
APR12.00%
Term60 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2023-2026 | 72 Mos Loan
12.25%
72 Months
View
▼
APR12.25%
Term72 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2020-2022 | 60 Mos Loan
12.50%
60 Months
View
▼
APR12.50%
Term60 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2023-2026 | 84 Mos Loan
12.75%
84 Months
View
▼
APR12.75%
Term84 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2020-2022 | 72 Mos Loan
13.25%
72 Months
View
▼
APR13.25%
Term72 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2017-2019 | 60 Mos Loan
14.00%
60 Months
View
▼
APR14.00%
Term60 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2017-2019 | 72 Mos Loan
14.25%
72 Months
View
▼
APR14.25%
Term72 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2016 & Older | 48 Mos. Loan
14.50%
48 Months
View
▼
APR14.50%
Term48 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2016 & Older | 60 Mos. Loan
14.75%
60 Months
View
▼
APR14.75%
Term60 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2023-2026 | 60 Mos Loan
15.00%
60 Months
View
▼
APR15.00%
Term60 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2023-2026 | 72 Mos Loan
15.25%
72 Months
View
▼
APR15.25%
Term72 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2020-2022 | 60 Mos Loan
15.50%
60 Months
View
▼
APR15.50%
Term60 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2023-2026 | 84 Mos Loan
15.75%
84 Months
View
▼
APR15.75%
Term84 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2020-2022 | 72 Mos Loan
16.25%
72 Months
View
▼
APR16.25%
Term72 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2017-2019 | 60 Mos Loan
17.00%
60 Months
View
▼
APR17.00%
Term60 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2017-2019 | 72 Mos Loan
17.25%
72 Months
View
▼
APR17.25%
Term72 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2016 & Older | 48 Mos. Loan
17.50%
48 Months
View
▼
APR17.50%
Term48 Months
Last UpdatedAug 28, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2016 & Older | 60 Mos. Loan
17.75%
60 Months
View
▼
APR17.75%
Term60 Months
Last UpdatedAug 28, 2026
Details

The Health And Education Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
Used Auto
3.99%
Varies
View
▼
APR3.99%
TermVaries
Last UpdatedAug 28, 2026
Details

NADA Retail

University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.03%
New/Used Vehicle - Terms 36 Months or Less Loan
3.99%
36 Months or Less
View
▼
APR3.99%
Term36 Months or Less
Last UpdatedAug 28, 2026
Details

As low as; *

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Used Cars and Trucks Loan
4.30%
4 years
View
▼
APR4.30%
Term4 years
Last UpdatedAug 28, 2026
Details

As low as**

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Used Cars and Trucks Loan
4.39%
3 years
View
▼
APR4.39%
Term3 years
Last UpdatedAug 28, 2026
Details

As low as**

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Used Cars and Trucks Loan
4.49%
5 years
View
▼
APR4.49%
Term5 years
Last UpdatedAug 28, 2026
Details

As low as**

Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
Used Auto Loan
4.50%
24-month
View
▼
APR4.50%
Term24-month
Last UpdatedAug 28, 2026
Details

Used Auto up to 10 years old

Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
Used Auto Loan
4.75%
36-month
View
▼
APR4.75%
Term36-month
Last UpdatedAug 28, 2026
Details

Used Auto up to 10 years old

Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.26%
New & Used Auto Loans
4.83%
72 Months
View
▼
APR4.83%
Term72 Months
Last UpdatedAug 28, 2026
Details

As Low As*; Not all will qualify for lowest rate.

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Used Cars and Trucks Loan
4.95%
6 years
View
▼
APR4.95%
Term6 years
Last UpdatedAug 28, 2026
Details

As low as**

University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.03%
New/Used Vehicle - Terms 37 to 66 Months Loan
4.99%
37 to 66 Months
View
▼
APR4.99%
Term37 to 66 Months
Last UpdatedAug 28, 2026
Details

As low as; *

Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Auto
4.99%
up to 48 Months
View
▼
APR4.99%
Termup to 48 Months
Last UpdatedAug 28, 2026
Details

As Low As

Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
Used Auto Loan
5.00%
48-month
View
▼
APR5.00%
Term48-month
Last UpdatedAug 28, 2026
Details

Used Auto up to 10 years old

Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Auto
5.09%
up to 60 Months
View
▼
APR5.09%
Termup to 60 Months
Last UpdatedAug 28, 2026
Details

As Low As

One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
Used Auto Loan
5.24%
up to 48 months
View
▼
APR5.24%
Termup to 48 months
Last UpdatedAug 28, 2026
Details

As Low As; Used (2019 - 2022)

University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.03%
New/Used Vehicle - Terms 67 to 75 Months Loan
5.24%
67 to 75 Months
View
▼
APR5.24%
Term67 to 75 Months
Last UpdatedAug 28, 2026
Details

As low as; *

Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
Used Auto Loan
5.25%
60-month
View
▼
APR5.25%
Term60-month
Last UpdatedAug 28, 2026
Details

Used Auto up to 10 years old

One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
Used Auto Loan
5.49%
up to 60 months
View
▼
APR5.49%
Termup to 60 months
Last UpdatedAug 28, 2026
Details

As Low As; Used (2019 - 2022)

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Used Autos (1-3 Years)
5.49%
Up to 84 Months
View
▼
APR5.49%
TermUp to 84 Months
Last UpdatedAug 28, 2026
Details

Reflects AutoPay .25% deduction

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Used Autos (4-7 Years)
5.49%
Up to 72 Months
View
▼
APR5.49%
TermUp to 72 Months
Last UpdatedAug 28, 2026
Details

Reflects AutoPay .25% deduction

Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Used Auto Loans
5.74%
1-48 months
View
▼
APR5.74%
Term1-48 months
Last UpdatedAug 28, 2026
Details

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.82%
New/Used Cars, 2023 and newer models, Up to 48 months Loan
5.74%
Up to 48 months
View
▼
APR5.74%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details

As low as

L and N Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
2020-2023 - USED Auto Loan
5.75%
Up to 51 mos.
View
▼
APR5.75%
TermUp to 51 mos.
Last UpdatedAug 28, 2026
Details

Rates are based on the representative credit score and LTV. APR disclosed is for "A" credit and may not be applicable to all. Please note: Vehicle is considered used, for any model year, if it has 20,000 or more miles. *APR - Annual Percentage Rate. Annual Percentage Rate based on credit qualifications. Rate subject to change.

L and N Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
2024-2026 - USED Auto Loan
5.75%
Up to 63 mos.
View
▼
APR5.75%
TermUp to 63 mos.
Last UpdatedAug 28, 2026
Details

Rates are based on the representative credit score and LTV. APR disclosed is for "A" credit and may not be applicable to all. Please note: Vehicle is considered used, for any model year, if it has 20,000 or more miles. *APR - Annual Percentage Rate. Annual Percentage Rate based on credit qualifications. Rate subject to change.

Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
Used Auto Loan
5.75%
72-month
View
▼
APR5.75%
Term72-month
Last UpdatedAug 28, 2026
Details

Used Auto up to 10 years old

University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.03%
Used Auto Loan
5.75%
36 Months
View
▼
APR5.75%
Term36 Months
Last UpdatedAug 28, 2026
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Other Vehicle Loans - 1st Term Used
5.75%
1st Term
View
▼
APR5.75%
Term1st Term
Last UpdatedAug 28, 2026
Details

Metro Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Autos New and Used
5.79%
Multiple terms available
View
▼
APR5.79%
TermMultiple terms available
Last UpdatedAug 28, 2026
Details

100% Financing.

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.82%
New/Used Cars, 2023 and newer models, Up to 63 months Loan
5.90%
Up to 63 months
View
▼
APR5.90%
TermUp to 63 months
Last UpdatedAug 28, 2026
Details

As low as

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Used Cars and Trucks Loan
5.93%
7 years
View
▼
APR5.93%
Term7 years
Last UpdatedAug 28, 2026
Details

As low as**

Owensboro, KY Auto Loan Rate Trends

Compare local Owensboro, 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
5.866%
▼ 0.313 vs 7 days ago

Kentucky new auto rates fell 0.313 points over the past 7 days to 5.866% APR.

Used Auto Loan — KY Avg
6.603%
▼ 0.268 vs 7 days ago

Kentucky used auto rates fell 0.268 points over the past 7 days to 6.603% APR.

As of Aug 30, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

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 @ 5.87% APR
Nat'l average		 Used Auto @ 6.60% APR
Nat'l average		 Monthly Difference
$15,000 $289.06/mo $294.21/mo $5.16/mo
$25,000 $481.76/mo $490.36/mo $8.60/mo
$35,000 $674.46/mo $686.50/mo $12.03/mo
$45,000 $867.17/mo $882.64/mo $15.47/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.

About Our Owensboro, Kentucky Auto Loan Rate Database

28 Local Lenders Tracked Banks & Credit Unions Updated Daily

Our Owensboro, Kentucky auto loan tables currently track 28 banks and credit unions offering new and used vehicle financing to borrowers in this market. Every APR is sourced directly from the lender’s own website and re-verified regularly, so the rates you compare here reflect what lenders are actually advertising today — not stale or estimated numbers.

The lowest verified auto loan APR in our Owensboro, Kentucky database right now is 2.25% APR from Kemba Louisville Credit Union. Advertised APRs typically assume excellent credit, so use the full rate table above to compare offers across your actual credit tier.

How to Get the Best Auto Loan Rate in Owensboro, Kentucky

1

Get Preapproved Before You Shop

A preapproval from a bank or credit union serving Owensboro, 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.

2

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.

3

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.

4

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.

Building a down payment, or is an auto loan not the right fit?

Owensboro, Kentucky Financial Snapshot

Local demographics and economic context for car buyers — Source: U.S. Census Bureau

$36,537
Median Individual Earnings
National avg: $47,340
5.2%
Unemployment Rate
National avg: 4.8%
18.9%
Poverty Rate
National avg: 11.1%
$578/mo
Payment on a $30K / 60-mo Loan
At Nat'l new-auto avg 5.87% APR

A $578 monthly car payment works out to roughly 19.0% of the median individual income in Owensboro, Kentucky. Most budgeting guidelines suggest keeping total vehicle costs — payment, insurance, fuel, and maintenance — under 15–20% of take-home pay.

Auto Financing Options Compared

An auto loan isn’t the only way to finance a vehicle in Owensboro, 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 1–3 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 (0–2.9% 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 Owensboro, Kentucky. We’ve prefilled the APR with today’s Nat'l new-auto average — or click any current rate on the right to apply it instantly.

$
$
%
Current Rates — Click to Apply
$0
Estimated Monthly Payment
Loan Amount$0
Total Interest Paid$0
Total of All Payments$0
Total Cost incl. Down Payment$0

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 Owensboro, 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 Owensboro, 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 Owensboro, 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 Owensboro, 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 Owensboro, 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 Owensboro, 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.

Should I get preapproved for an auto loan before visiting a dealer in Owensboro, Kentucky?

Yes. A preapproval from a bank or credit union serving Owensboro, Kentucky gives you a real rate to compare against dealer financing and turns you into a cash buyer at the negotiating table. Dealers often mark up the rates they arrange, so walking in with a preapproved offer routinely saves buyers money on the financing side of the deal.

Why are used car loan rates higher than new car rates?

Lenders charge more for used vehicles because they are harder to value, depreciate unpredictably, and carry more repossession risk. The spread between new and used rates is typically 0.5 to 1.5 percentage points. A late-model certified pre-owned vehicle sometimes qualifies for new-car rates, so ask the lender how they classify the vehicle before assuming the used rate applies.

Can I refinance my auto loan if rates drop or my credit improves?

Yes. Auto loan refinancing is usually fast and often fee-free. If your credit score has improved since you bought the vehicle, or you financed at a marked-up dealer rate, refinancing with a bank or credit union serving Owensboro, Kentucky can lower your monthly payment or shorten your term. It makes the most sense early in the loan, while most of your payments are still going to interest.

What are the best Auto Loan rates in Owensboro, Kentucky?

Based on our current data, some of the lowest auto loan rates available in Owensboro, Kentucky include:
  • Owensboro Federal Credit Union: 3.75% (Auto Loan)
  • Audubon Federal Credit Union: 4.50% (New Vehicles Loan)
  • Green River Area Federal Credit Union: 5.25% (New Auto 2025-2026)
  • Daviess County Teachers Federal Credit Union: 5.25% (Vehicle Loan (2022-2020))
  • Chase Bank: 5.94% (New car purchase Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Owensboro, Kentucky. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: August 28, 2026

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