Auto Loan Rates in Owensboro, Kentucky (KY) for March 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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- Location-Based Rate Tables
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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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.
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: 0.79% offering Auto Loan at 3.75%, Audubon Federal Credit UnionAudubon Federal Credit Union1429 Breckenridge St, Owensboro, KY, 42303A+5.0 ★Texas Ratio: 1.81% offering New Vehicles 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%, Modern Employees Federal Credit UnionModern Employees Federal Credit Union1727 Moseley St, Owensboro, KY, 42303 3830A+5.0 ★Texas Ratio: 2.24% offering 2022 - 2025 Auto Loan at 5.31%, Liberty Federal Credit UnionLiberty Federal Credit Union2820 N York St, Owensboro, KY, 42301 3344A+5.0 ★Texas Ratio: 2.09% offering 2022 Auto Loan at 6.49%. Auto loan rates as of March 27, 2026 according to verified data from MonitorBankRates.
Auto loan rates in Owensboro, Kentucky are continually updated to reflect market conditions. We recommend comparing rates from multiple lenders before visiting the dealership.
We empower borrowers with transparent financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently choose a stable, highly-rated institution.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Owensboro, Kentucky. Auto Loan Rates Last Updated and Verified: March 27, 2026
Compare Auto Loan Rates Today in Owensboro, Kentucky & Surrounding Area
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: 0.79%
717 Harvard Dr, Owensboro, KY, 42301 6185
Auto Loan
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; Actual rate is determined by credit score
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
717 Harvard Dr, Owensboro, KY, 42301 6185
Auto Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; Actual rate is determined by credit score
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
717 Harvard Dr, Owensboro, KY, 42301 6185
Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; Actual rate is determined by credit score
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
717 Harvard Dr, Owensboro, KY, 42301 6185
Auto Loan
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; Actual rate is determined by credit score
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMar 16, 2026
Details
A+ = 750+
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
717 Harvard Dr, Owensboro, KY, 42301 6185
Auto Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; Actual rate is determined by credit score
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMar 16, 2026
Details
A+ = 750+
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
717 Harvard Dr, Owensboro, KY, 42301 6185
Auto Loan
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; Actual rate is determined by credit score
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMar 16, 2026
Details
A+ = 750+
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2022-2025
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMar 16, 2026
Details
A+ | 750+
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
717 Harvard Dr, Owensboro, KY, 42301 6185
Auto Loan
5.25%
66 Months
▼
APR5.25%
Term66 Months
Last UpdatedMar 20, 2026
Details
As Low As; Actual rate is determined by credit score
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMar 16, 2026
Details
A = 680-749
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2022-2025
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMar 16, 2026
Details
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
5.25%
63 Months
▼
APR5.25%
Term63 Months
Last UpdatedMar 26, 2026
Details
As Low As
Modern Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
1727 Moseley St, Owensboro, KY, 42303 3830
2022 - 2025 Auto Loan
5.31%
48 Months
▼
APR5.31%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As
Modern Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
1727 Moseley St, Owensboro, KY, 42303 3830
Auto Loan
5.31%
48 Months
▼
APR5.31%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMar 16, 2026
Details
A+ = 750+
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2019-2021
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMar 16, 2026
Details
A+ | 750+
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2022-2025
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMar 16, 2026
Details
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
5.50%
66 Months
▼
APR5.50%
Term66 Months
Last UpdatedMar 26, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2022-2025
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedMar 16, 2026
Details
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
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedMar 26, 2026
Details
As Low As
Modern Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
1727 Moseley St, Owensboro, KY, 42303 3830
2022 - 2025 Auto Loan
5.81%
60 Months
▼
APR5.81%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As
Modern Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
1727 Moseley St, Owensboro, KY, 42303 3830
Auto Loan
5.81%
60 Months
▼
APR5.81%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
717 Harvard Dr, Owensboro, KY, 42301 6185
Auto Loan
6.00%
84 Months
▼
APR6.00%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; Actual rate is determined by credit score
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles
6.00%
84 Months
▼
APR6.00%
Term84 Months
Last UpdatedMar 16, 2026
Details
A = 680-749
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2019-2021
6.00%
60 Months
▼
APR6.00%
Term60 Months
Last UpdatedMar 16, 2026
Details
A | 680-749
Modern Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
1727 Moseley St, Owensboro, KY, 42303 3830
2018 - 2021 Auto Loan
6.06%
48 Months
▼
APR6.06%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As
Modern Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
1727 Moseley St, Owensboro, KY, 42303 3830
Auto Loan
6.06%
48 Months
▼
APR6.06%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles
6.25%
60 Months
▼
APR6.25%
Term60 Months
Last UpdatedMar 16, 2026
Details
B = 640-679
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2018-2020
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedMar 16, 2026
Details
A+ | 750+
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2022-2025
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMar 16, 2026
Details
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
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMar 26, 2026
Details
As Low As
Modern Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
1727 Moseley St, Owensboro, KY, 42303 3830
2022 - 2025 Auto Loan
6.31%
72 Months
▼
APR6.31%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As
Modern Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
1727 Moseley St, Owensboro, KY, 42303 3830
Auto Loan
6.31%
72 Months
▼
APR6.31%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
2820 N York St, Owensboro, KY, 42301 3344
2022 Auto Loan
6.49%
63 Months
▼
APR6.49%
Term63 Months
Last UpdatedMar 27, 2026
Details
As Low As
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
717 Harvard Dr, Owensboro, KY, 42301 6185
Auto Loan
6.50%
60 Months
▼
APR6.50%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; Actual rate is determined by credit score
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles
6.50%
72 Months
▼
APR6.50%
Term72 Months
Last UpdatedMar 16, 2026
Details
B = 640-679
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2022-2025
6.50%
60 Months
▼
APR6.50%
Term60 Months
Last UpdatedMar 16, 2026
Details
B | 640-679
Modern Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
1727 Moseley St, Owensboro, KY, 42303 3830
2018 - 2021 Auto Loan
6.56%
60 Months
▼
APR6.56%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As
Modern Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
1727 Moseley St, Owensboro, KY, 42303 3830
Auto Loan
6.56%
60 Months
▼
APR6.56%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
2820 N York St, Owensboro, KY, 42301 3344
2020 Auto Loan
6.75%
63 Months
▼
APR6.75%
Term63 Months
Last UpdatedMar 27, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2018-2020
6.75%
72 Months
▼
APR6.75%
Term72 Months
Last UpdatedMar 16, 2026
Details
A | 680-749
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2022-2025
6.75%
72 Months
▼
APR6.75%
Term72 Months
Last UpdatedMar 16, 2026
Details
B | 640-679
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles
7.00%
84 Months
▼
APR7.00%
Term84 Months
Last UpdatedMar 16, 2026
Details
B = 640-679
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2016-2018
7.00%
60 Months
▼
APR7.00%
Term60 Months
Last UpdatedMar 16, 2026
Details
A+ | 750+
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2019-2021
7.00%
60 Months
▼
APR7.00%
Term60 Months
Last UpdatedMar 16, 2026
Details
B | 640-679
Modern Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
1727 Moseley St, Owensboro, KY, 42303 3830
2018 - 2021 Auto Loan
7.06%
72 Months
▼
APR7.06%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As
Modern Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
1727 Moseley St, Owensboro, KY, 42303 3830
Auto Loan
7.06%
72 Months
▼
APR7.06%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2016-2018
7.25%
72 Months
▼
APR7.25%
Term72 Months
Last UpdatedMar 16, 2026
Details
A+ | 750+
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2022-2025
7.25%
84 Months
▼
APR7.25%
Term84 Months
Last UpdatedMar 16, 2026
Details
B | 640-679
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2015 & Older
7.50%
48 Months
▼
APR7.50%
Term48 Months
Last UpdatedMar 16, 2026
Details
A+ | 750+
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2016-2018
7.50%
60 Months
▼
APR7.50%
Term60 Months
Last UpdatedMar 16, 2026
Details
A | 680-749
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2015 & Older
7.75%
60 Months
▼
APR7.75%
Term60 Months
Last UpdatedMar 16, 2026
Details
A+ | 750+
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2016-2018
7.75%
72 Months
▼
APR7.75%
Term72 Months
Last UpdatedMar 16, 2026
Details
A | 680-749
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2018-2020
7.75%
72 Months
▼
APR7.75%
Term72 Months
Last UpdatedMar 16, 2026
Details
B | 640-679
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles
8.00%
48 Months
▼
APR8.00%
Term48 Months
Last UpdatedMar 16, 2026
Details
C = 600-639
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2015 & Older
8.00%
48 Months
▼
APR8.00%
Term48 Months
Last UpdatedMar 16, 2026
Details
A | 680-749
Modern Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
1727 Moseley St, Owensboro, KY, 42303 3830
2015 - 2017 Auto Loan
8.06%
48 Months
▼
APR8.06%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As
Modern Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
1727 Moseley St, Owensboro, KY, 42303 3830
Auto Loan
8.06%
48 Months
▼
APR8.06%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles
8.25%
60 Months
▼
APR8.25%
Term60 Months
Last UpdatedMar 16, 2026
Details
C = 600-639
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2015 & Older
8.25%
60 Months
▼
APR8.25%
Term60 Months
Last UpdatedMar 16, 2026
Details
A | 680-749
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles
8.50%
72 Months
▼
APR8.50%
Term72 Months
Last UpdatedMar 16, 2026
Details
C = 600-639
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2016-2018
8.50%
60 Months
▼
APR8.50%
Term60 Months
Last UpdatedMar 16, 2026
Details
B | 640-679
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2022-2025
8.50%
60 Months
▼
APR8.50%
Term60 Months
Last UpdatedMar 16, 2026
Details
C | 600-639
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2016-2018
8.75%
72 Months
▼
APR8.75%
Term72 Months
Last UpdatedMar 16, 2026
Details
B | 640-679
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2022-2025
8.75%
72 Months
▼
APR8.75%
Term72 Months
Last UpdatedMar 16, 2026
Details
C | 600-639
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles
9.00%
84 Months
▼
APR9.00%
Term84 Months
Last UpdatedMar 16, 2026
Details
C = 600-639
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2015 & Older
9.00%
48 Months
▼
APR9.00%
Term48 Months
Last UpdatedMar 16, 2026
Details
B | 640-679
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2019-2021
9.00%
60 Months
▼
APR9.00%
Term60 Months
Last UpdatedMar 16, 2026
Details
C | 600-639
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2015 & Older
9.25%
60 Months
▼
APR9.25%
Term60 Months
Last UpdatedMar 16, 2026
Details
B | 640-679
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2022-2025
9.25%
84 Months
▼
APR9.25%
Term84 Months
Last UpdatedMar 16, 2026
Details
C | 600-639
Modern Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
1727 Moseley St, Owensboro, KY, 42303 3830
2014 and older Auto Loan
9.56%
36 Months
▼
APR9.56%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Modern Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
1727 Moseley St, Owensboro, KY, 42303 3830
Auto Loan
9.56%
36 Months
▼
APR9.56%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2018-2020
9.75%
72 Months
▼
APR9.75%
Term72 Months
Last UpdatedMar 16, 2026
Details
C | 600-639
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles
10.00%
48 Months
▼
APR10.00%
Term48 Months
Last UpdatedMar 16, 2026
Details
D = 550-599
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles
10.25%
60 Months
▼
APR10.25%
Term60 Months
Last UpdatedMar 16, 2026
Details
D = 550-599
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles
10.50%
72 Months
▼
APR10.50%
Term72 Months
Last UpdatedMar 16, 2026
Details
D = 550-599
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2016-2018
10.50%
60 Months
▼
APR10.50%
Term60 Months
Last UpdatedMar 16, 2026
Details
C | 600-639
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2016-2018
10.75%
72 Months
▼
APR10.75%
Term72 Months
Last UpdatedMar 16, 2026
Details
C | 600-639
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles
11.00%
84 Months
▼
APR11.00%
Term84 Months
Last UpdatedMar 16, 2026
Details
D = 550-599
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2015 & Older
11.00%
48 Months
▼
APR11.00%
Term48 Months
Last UpdatedMar 16, 2026
Details
C | 600-639
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2015 & Older
11.25%
60 Months
▼
APR11.25%
Term60 Months
Last UpdatedMar 16, 2026
Details
C | 600-639
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2022-2025
12.00%
60 Months
▼
APR12.00%
Term60 Months
Last UpdatedMar 16, 2026
Details
D | 550-599
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2022-2025
12.25%
72 Months
▼
APR12.25%
Term72 Months
Last UpdatedMar 16, 2026
Details
D | 550-599
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2019-2021
12.50%
60 Months
▼
APR12.50%
Term60 Months
Last UpdatedMar 16, 2026
Details
D | 550-599
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2022-2025
12.75%
84 Months
▼
APR12.75%
Term84 Months
Last UpdatedMar 16, 2026
Details
D | 550-599
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2018-2020
13.25%
72 Months
▼
APR13.25%
Term72 Months
Last UpdatedMar 16, 2026
Details
D | 550-599
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2016-2018
14.00%
60 Months
▼
APR14.00%
Term60 Months
Last UpdatedMar 16, 2026
Details
D | 550-599
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2016-2018
14.25%
72 Months
▼
APR14.25%
Term72 Months
Last UpdatedMar 16, 2026
Details
D | 550-599
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2015 & Older
14.50%
48 Months
▼
APR14.50%
Term48 Months
Last UpdatedMar 16, 2026
Details
D | 550-599
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2015 & Older
14.75%
60 Months
▼
APR14.75%
Term60 Months
Last UpdatedMar 16, 2026
Details
D | 550-599
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles
15.00%
48 Months
▼
APR15.00%
Term48 Months
Last UpdatedMar 16, 2026
Details
E = 549
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2022-2025
15.00%
60 Months
▼
APR15.00%
Term60 Months
Last UpdatedMar 16, 2026
Details
E | 549
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles
15.25%
60 Months
▼
APR15.25%
Term60 Months
Last UpdatedMar 16, 2026
Details
E = 549
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2022-2025
15.25%
72 Months
▼
APR15.25%
Term72 Months
Last UpdatedMar 16, 2026
Details
E | 549
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles
15.50%
72 Months
▼
APR15.50%
Term72 Months
Last UpdatedMar 16, 2026
Details
E = 549
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2019-2021
15.50%
60 Months
▼
APR15.50%
Term60 Months
Last UpdatedMar 16, 2026
Details
E | 549
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2022-2025
15.75%
84 Months
▼
APR15.75%
Term84 Months
Last UpdatedMar 16, 2026
Details
E | 549
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles
16.00%
84 Months
▼
APR16.00%
Term84 Months
Last UpdatedMar 16, 2026
Details
E = 549
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2018-2020
16.25%
72 Months
▼
APR16.25%
Term72 Months
Last UpdatedMar 16, 2026
Details
E | 549
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2016-2018
17.00%
60 Months
▼
APR17.00%
Term60 Months
Last UpdatedMar 16, 2026
Details
E | 549
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2016-2018
17.25%
72 Months
▼
APR17.25%
Term72 Months
Last UpdatedMar 16, 2026
Details
E | 549
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2015 & Older
17.50%
48 Months
▼
APR17.50%
Term48 Months
Last UpdatedMar 16, 2026
Details
E | 549
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2015 & Older
17.75%
60 Months
▼
APR17.75%
Term60 Months
Last UpdatedMar 16, 2026
Details
E | 549
The Health And Education Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.14%
424 Park Pl, Lexington, KY, 40511 1829
New Auto
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMar 21, 2026
Details
As Low As; 100% Financing
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
2557 Sir Barton Way, Lexington, KY, 40509
New/Used Vehicle
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 22, 2026
Details
As Low As
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.44%
820 W Broadway, Louisville, KY, 40202
Autos
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMar 24, 2026
Details
KUE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
1 Quality St, Lexington, KY, 40507 1428
New Vehicle Loan
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedMar 27, 2026
Details
As Low As
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
New Auto Loan
4.00%
24-month
▼
APR4.00%
Term24-month
Last UpdatedMar 20, 2026
Details
AUTO (New or 1 year old with less than 20000 miles)
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY, 41042 4894
New Cars
4.09%
Up to 12 months
▼
APR4.09%
TermUp to 12 months
Last UpdatedMar 25, 2026
Details
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.44%
820 W Broadway, Louisville, KY, 40202
Autos
4.24%
72 Months
▼
APR4.24%
Term72 Months
Last UpdatedMar 24, 2026
Details
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
New Auto Loan
4.25%
36-month
▼
APR4.25%
Term36-month
Last UpdatedMar 20, 2026
Details
AUTO (New or 1 year old with less than 20000 miles)
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY, 41042 4894
Used Car Loans
4.39%
Up to 12 months
▼
APR4.39%
TermUp to 12 months
Last UpdatedMar 25, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY, 41042 4894
Used Cars
4.39%
Up to 12 months
▼
APR4.39%
TermUp to 12 months
Last UpdatedMar 25, 2026
Details
The Health And Education Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.14%
424 Park Pl, Lexington, KY, 40511 1829
New Auto
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMar 21, 2026
Details
As Low As; 100% Financing
Beacon Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
7910 National Tpke, Louisville, KY, 40214
Auto Loans
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 25, 2026
Details
As Low As; with a BCCU savings, checking, direct deposit and auto pay
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.44%
820 W Broadway, Louisville, KY, 40202
Autos
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 24, 2026
Details
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
New Auto Loan
4.50%
48-month
▼
APR4.50%
Term48-month
Last UpdatedMar 20, 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: 0.69%
503 W Main St, Morehead, KY, 40351 1539
Used Auto Loan
4.50%
24-month
▼
APR4.50%
Term24-month
Last UpdatedMar 20, 2026
Details
Used Auto up to 10 years old
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY, 41042 4894
New Cars
4.59%
61-72 months (greater than or equal to $20,000)
▼
APR4.59%
Term61-72 months (greater than or equal to $20,000)
Last UpdatedMar 25, 2026
Details
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
1420 Gardiner Ln Rm 66, Louisville, KY, 40231 8900
New Auto
4.69%
48 Months
▼
APR4.69%
Term48 Months
Last UpdatedMar 27, 2026
Details
As Low As
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
9711 Linn Station Rd, Louisville, KY, 40223 3804
Newer (2023-2026) Auto Loans
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMar 24, 2026
Details
As Low As
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
9600 Ormsby Station Rd, Louisville, KY, 40223 4008
Auto Loans - Cars, Trucks, SUVs & Vans (years 2017 & Newer)
4.74%
0 - 59
▼
APR4.74%
Term0 - 59
Last UpdatedMar 24, 2026
Details
As Low As
Beacon Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
7910 National Tpke, Louisville, KY, 40214
Auto Loans
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMar 25, 2026
Details
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.44%
820 W Broadway, Louisville, KY, 40202
Autos
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedMar 24, 2026
Details
CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY, 40219 1917
Auto Loans 2022 or newer
4.74%
Up to 48
▼
APR4.74%
TermUp to 48
Last UpdatedMar 25, 2026
Details
WBH Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
2501 Broadway St, Paducah, KY, 42001 3124
Auto Loan 2021-2024
4.75%
Up to 36 Mos
▼
APR4.75%
TermUp to 36 Mos
Last UpdatedMar 22, 2026
Details
Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
2024-2026 New & Used Auto Loan
4.75%
12 - 36
▼
APR4.75%
Term12 - 36
Last UpdatedMar 24, 2026
Details
As Low As
KUE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
1 Quality St, Lexington, KY, 40507 1428
New Vehicle Loan
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMar 27, 2026
Details
As Low As
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
New Auto Loan
4.75%
60-month
▼
APR4.75%
Term60-month
Last UpdatedMar 20, 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: 0.69%
503 W Main St, Morehead, KY, 40351 1539
Used Auto Loan
4.75%
36-month
▼
APR4.75%
Term36-month
Last UpdatedMar 20, 2026
Details
Used Auto up to 10 years old
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
1420 Gardiner Ln Rm 66, Louisville, KY, 40231 8900
New Auto
4.79%
60 Months
▼
APR4.79%
Term60 Months
Last UpdatedMar 27, 2026
Details
As Low As
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY, 41042 4894
Used Car Loans
4.89%
61-72 months (greater than or equal to $20,000)
▼
APR4.89%
Term61-72 months (greater than or equal to $20,000)
Last UpdatedMar 25, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY, 41042 4894
Used Cars
4.89%
61-72 months (greater than or equal to $20,000)
▼
APR4.89%
Term61-72 months (greater than or equal to $20,000)
Last UpdatedMar 25, 2026
Details
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
9711 Linn Station Rd, Louisville, KY, 40223 3804
Newer (2023-2026) Auto Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 24, 2026
Details
As Low As
The Health And Education Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.14%
424 Park Pl, Lexington, KY, 40511 1829
New Auto
4.99%
75 Months
▼
APR4.99%
Term75 Months
Last UpdatedMar 21, 2026
Details
As Low As; 100% Financing
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
9600 Ormsby Station Rd, Louisville, KY, 40223 4008
Auto Loans - Cars, Trucks, SUVs & Vans (years 2017 & Newer)
4.99%
60 - 74
▼
APR4.99%
Term60 - 74
Last UpdatedMar 24, 2026
Details
As Low As
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
2557 Sir Barton Way, Lexington, KY, 40509
New/Used Vehicle
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedMar 22, 2026
Details
As Low As
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.44%
820 W Broadway, Louisville, KY, 40202
Autos
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMar 24, 2026
Details
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
1420 Gardiner Ln Rm 66, Louisville, KY, 40231 8900
Used Auto
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 27, 2026
Details
As Low As
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
New/Used Cars, 2023 and newer models
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 26, 2026
Details
As Low As; Up to 48 months
CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY, 40219 1917
Auto Loans 2022 or newer
4.99%
49-63
▼
APR4.99%
Term49-63
Last UpdatedMar 25, 2026
Details
WBH Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
2501 Broadway St, Paducah, KY, 42001 3124
Auto Loan 2021-2024
5.00%
Up to 60 Mos
▼
APR5.00%
TermUp to 60 Mos
Last UpdatedMar 22, 2026
Details
Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
2024-2026 New & Used Auto Loan
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMar 24, 2026
Details
As Low As
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
Used Auto Loan
5.00%
48-month
▼
APR5.00%
Term48-month
Last UpdatedMar 20, 2026
Details
Used Auto up to 10 years old
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY, 42104 3383
Other Vehicle Loans New
5.00%
1 Year
▼
APR5.00%
Term1 Year
Last UpdatedMar 21, 2026
Details
Kemba Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
5935 Merchants St, Florence, KY, 41042 1198
Auto Loan
5.09%
Up to 63 Months
▼
APR5.09%
TermUp to 63 Months
Last UpdatedMar 27, 2026
Details
As Low As; 2026 or Newer
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
1420 Gardiner Ln Rm 66, Louisville, KY, 40231 8900
Used Auto
5.09%
60 Months
▼
APR5.09%
Term60 Months
Last UpdatedMar 27, 2026
Details
As Low As
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY, 41042 4894
New Cars
5.09%
73-84 months (greater than or equal to $30,000)
▼
APR5.09%
Term73-84 months (greater than or equal to $30,000)
Last UpdatedMar 25, 2026
Details
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
9711 Linn Station Rd, Louisville, KY, 40223 3804
Used (2019 - 2022) Auto Loans
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedMar 24, 2026
Details
As Low As
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
2557 Sir Barton Way, Lexington, KY, 40509
New/Used Vehicle
5.24%
75 Months
▼
APR5.24%
Term75 Months
Last UpdatedMar 22, 2026
Details
As Low As
Park Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
6101 Fern Valley Rd, Louisville, KY, 40228
Auto Loans
5.24%
Up to 48 Months
▼
APR5.24%
TermUp to 48 Months
Last UpdatedMar 24, 2026
Details
CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY, 40219 1917
Auto Loans 2022 or newer
5.24%
64-75
▼
APR5.24%
Term64-75
Last UpdatedMar 25, 2026
Details
WBH Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
2501 Broadway St, Paducah, KY, 42001 3124
Auto Loan 2021-2024
5.25%
Up to72 Mos
▼
APR5.25%
TermUp to72 Mos
Last UpdatedMar 22, 2026
Details
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
New Auto Loan
5.25%
72-month
▼
APR5.25%
Term72-month
Last UpdatedMar 20, 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: 0.69%
503 W Main St, Morehead, KY, 40351 1539
Used Auto Loan
5.25%
60-month
▼
APR5.25%
Term60-month
Last UpdatedMar 20, 2026
Details
Used Auto up to 10 years old
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY, 41042 4894
Used Car Loans
5.39%
73-84 months (greater than or equal to $30,000)
▼
APR5.39%
Term73-84 months (greater than or equal to $30,000)
Last UpdatedMar 25, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY, 41042 4894
Used Cars
5.39%
73-84 months (greater than or equal to $30,000)
▼
APR5.39%
Term73-84 months (greater than or equal to $30,000)
Last UpdatedMar 25, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
New/Used Cars, 2023 and newer models
5.39%
63 Months
▼
APR5.39%
Term63 Months
Last UpdatedMar 26, 2026
Details
As Low As; Up to 63 months
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
9711 Linn Station Rd, Louisville, KY, 40223 3804
Used (2019 - 2022) Auto Loans
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMar 24, 2026
Details
As Low As
L and N Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
9265 SMYRNA PKWY, LOUISVILLE, KY, 40229
Auto Loans 2025-2027 - NEW
5.49%
63 Months
▼
APR5.49%
Term63 Months
Last UpdatedMar 27, 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.
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.06%
300 Clinic Dr, Hopkinsville, KY, 42240 4989
New Auto Loan
5.49%
Up to 60 Months
▼
APR5.49%
TermUp to 60 Months
Last UpdatedMar 23, 2026
Details
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.06%
300 Clinic Dr, Hopkinsville, KY, 42240 4989
Used Autos 2024 to 2026
5.49%
Up to 60 Months
▼
APR5.49%
TermUp to 60 Months
Last UpdatedMar 23, 2026
Details
The Health And Education Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.14%
424 Park Pl, Lexington, KY, 40511 1829
New Auto
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMar 21, 2026
Details
As Low As; 100% Financing
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.44%
820 W Broadway, Louisville, KY, 40202
Autos
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMar 24, 2026
Details
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
417 High St, Frankfort, KY, 40601
New Auto Loans
5.49%
1-48
▼
APR5.49%
Term1-48
Last UpdatedMar 25, 2026
Details
As Low As
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
1315 CANNONSBURG RD, ASHLAND, KY, 41102
New Autos
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedMar 27, 2026
Details
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
1315 CANNONSBURG RD, ASHLAND, KY, 41102
Used Autos (1-3 Years)
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedMar 27, 2026
Details
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
1315 CANNONSBURG RD, ASHLAND, KY, 41102
Used Autos (4-7 Years)
5.49%
Up to 72 Months
▼
APR5.49%
TermUp to 72 Months
Last UpdatedMar 27, 2026
Details
WBH Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
2501 Broadway St, Paducah, KY, 42001 3124
Auto Loan 2021-2024
5.50%
Up to 84 Mos
▼
APR5.50%
TermUp to 84 Mos
Last UpdatedMar 22, 2026
Details
Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
2022-2023 Auto Loan
5.50%
12 - 36
▼
APR5.50%
Term12 - 36
Last UpdatedMar 24, 2026
Details
Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
2024-2026 New & Used Auto Loan
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMar 24, 2026
Details
As Low As
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
1420 Gardiner Ln Rm 66, Louisville, KY, 40231 8900
New Auto
5.69%
84 Months
▼
APR5.69%
Term84 Months
Last UpdatedMar 27, 2026
Details
As Low As
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
9711 Linn Station Rd, Louisville, KY, 40223 3804
Newer (2023-2026) Auto Loans
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedMar 24, 2026
Details
As Low As
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.06%
300 Clinic Dr, Hopkinsville, KY, 42240 4989
New Auto Loan
5.74%
Up to 72 Months
▼
APR5.74%
TermUp to 72 Months
Last UpdatedMar 23, 2026
Details
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.06%
300 Clinic Dr, Hopkinsville, KY, 42240 4989
Used Autos 2020 to 2023
5.74%
Up to 60 Months
▼
APR5.74%
TermUp to 60 Months
Last UpdatedMar 23, 2026
Details
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.06%
300 Clinic Dr, Hopkinsville, KY, 42240 4989
Used Autos 2024 to 2026
5.74%
Up to 72 Months
▼
APR5.74%
TermUp to 72 Months
Last UpdatedMar 23, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Toyota Motor Manufacturing, Hebron, KY, 41048
New & Used Vehicles2
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedMar 22, 2026
Details
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
417 High St, Frankfort, KY, 40601
New Auto Loans
5.74%
49-63
▼
APR5.74%
Term49-63
Last UpdatedMar 25, 2026
Details
As Low As
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
417 High St, Frankfort, KY, 40601
Used Auto Loans
5.74%
1-48
▼
APR5.74%
Term1-48
Last UpdatedMar 25, 2026
Details
As Low As
CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY, 40219 1917
Auto Loans 2017 - 2021
5.74%
Up to 48
▼
APR5.74%
TermUp to 48
Last UpdatedMar 25, 2026
Details
CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY, 40219 1917
Auto Loans 2022 or newer
5.74%
76-84
▼
APR5.74%
Term76-84
Last UpdatedMar 25, 2026
Details
L and N Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
9265 SMYRNA PKWY, LOUISVILLE, KY, 40229
Auto Loans 2020-2023 - USED
5.75%
51 Months
▼
APR5.75%
Term51 Months
Last UpdatedMar 27, 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: 2.32%
9265 SMYRNA PKWY, LOUISVILLE, KY, 40229
Auto Loans 2024-2026 - USED
5.75%
63 Months
▼
APR5.75%
Term63 Months
Last UpdatedMar 27, 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: 0.30%
2501 Broadway St, Paducah, KY, 42001 3124
Auto Loan 2017-2020
5.75%
Up to 48 Mos
▼
APR5.75%
TermUp to 48 Mos
Last UpdatedMar 22, 2026
Details
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
New Auto Loan
5.75%
84-month
▼
APR5.75%
Term84-month
Last UpdatedMar 20, 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: 0.69%
503 W Main St, Morehead, KY, 40351 1539
Used Auto Loan
5.75%
72-month
▼
APR5.75%
Term72-month
Last UpdatedMar 20, 2026
Details
Used Auto up to 10 years old
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY, 42104 3383
Other Vehicle Loans Used
5.75%
1 Year
▼
APR5.75%
Term1 Year
Last UpdatedMar 21, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
New/Used Cars, 2023 and newer models
5.79%
75 Months
▼
APR5.79%
Term75 Months
Last UpdatedMar 26, 2026
Details
As Low As; 64 to 75 months
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave, Ashland, KY, 41101 7514
New Cars and Trucks
5.79%
4 years
▼
APR5.79%
Term4 years
Last UpdatedMar 25, 2026
Details
As Low As
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave, Ashland, KY, 41101 7514
New Cars and Trucks
5.89%
3 years
▼
APR5.89%
Term3 years
Last UpdatedMar 25, 2026
Details
As Low As
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
Used Cars, 2019 through 2022 models
5.89%
63 Months
▼
APR5.89%
Term63 Months
Last UpdatedMar 26, 2026
Details
As Low As; Up to 63 months
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave, Ashland, KY, 41101 7514
New Cars and Trucks
5.99%
5 years
▼
APR5.99%
Term5 years
Last UpdatedMar 25, 2026
Details
As Low As
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.06%
300 Clinic Dr, Hopkinsville, KY, 42240 4989
New Auto Loan
5.99%
Up to 84 Months
▼
APR5.99%
TermUp to 84 Months
Last UpdatedMar 23, 2026
Details
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.06%
300 Clinic Dr, Hopkinsville, KY, 42240 4989
Used Autos 2020 to 2023
5.99%
Up to 72 Months
▼
APR5.99%
TermUp to 72 Months
Last UpdatedMar 23, 2026
Details
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.06%
300 Clinic Dr, Hopkinsville, KY, 42240 4989
Used Autos 2024 to 2026
5.99%
Up to 84 Months
▼
APR5.99%
TermUp to 84 Months
Last UpdatedMar 23, 2026
Details
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
2557 Sir Barton Way, Lexington, KY, 40509
New/Used Vehicle
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMar 22, 2026
Details
As Low As
Park Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
6101 Fern Valley Rd, Louisville, KY, 40228
Auto Loans
5.99%
49 - 60 Months
▼
APR5.99%
Term49 - 60 Months
Last UpdatedMar 24, 2026
Details
Expree Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.78%
100 Moore Dr, Frankfort, KY, 40601 8295
Auto Loans
5.99%
1-36
▼
APR5.99%
Term1-36
Last UpdatedMar 23, 2026
Details
As Low As
Powered by
MonitorBankRates
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: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMar 16, 2026
Details
A+ = 750+
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMar 16, 2026
Details
A+ = 750+
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMar 16, 2026
Details
A+ = 750+
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMar 16, 2026
Details
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
▼
APR5.25%
Term63 Months
Last UpdatedMar 26, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMar 16, 2026
Details
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
▼
APR5.50%
Term66 Months
Last UpdatedMar 26, 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
▼
APR5.75%
Term72 Months
Last UpdatedMar 26, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles
6.00%
84 Months
▼
APR6.00%
Term84 Months
Last UpdatedMar 16, 2026
Details
A = 680-749
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles
6.25%
60 Months
▼
APR6.25%
Term60 Months
Last UpdatedMar 16, 2026
Details
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
▼
APR6.25%
Term84 Months
Last UpdatedMar 26, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles
6.50%
72 Months
▼
APR6.50%
Term72 Months
Last UpdatedMar 16, 2026
Details
B = 640-679
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles
7.00%
84 Months
▼
APR7.00%
Term84 Months
Last UpdatedMar 16, 2026
Details
B = 640-679
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles
8.00%
48 Months
▼
APR8.00%
Term48 Months
Last UpdatedMar 16, 2026
Details
C = 600-639
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles
8.25%
60 Months
▼
APR8.25%
Term60 Months
Last UpdatedMar 16, 2026
Details
C = 600-639
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles
8.50%
72 Months
▼
APR8.50%
Term72 Months
Last UpdatedMar 16, 2026
Details
C = 600-639
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles
9.00%
84 Months
▼
APR9.00%
Term84 Months
Last UpdatedMar 16, 2026
Details
C = 600-639
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles
10.00%
48 Months
▼
APR10.00%
Term48 Months
Last UpdatedMar 16, 2026
Details
D = 550-599
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles
10.25%
60 Months
▼
APR10.25%
Term60 Months
Last UpdatedMar 16, 2026
Details
D = 550-599
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles
10.50%
72 Months
▼
APR10.50%
Term72 Months
Last UpdatedMar 16, 2026
Details
D = 550-599
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles
11.00%
84 Months
▼
APR11.00%
Term84 Months
Last UpdatedMar 16, 2026
Details
D = 550-599
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles
15.00%
48 Months
▼
APR15.00%
Term48 Months
Last UpdatedMar 16, 2026
Details
E = 549
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles
15.25%
60 Months
▼
APR15.25%
Term60 Months
Last UpdatedMar 16, 2026
Details
E = 549
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles
15.50%
72 Months
▼
APR15.50%
Term72 Months
Last UpdatedMar 16, 2026
Details
E = 549
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
New Vehicles
16.00%
84 Months
▼
APR16.00%
Term84 Months
Last UpdatedMar 16, 2026
Details
E = 549
The Health And Education Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.14%
424 Park Pl, Lexington, KY, 40511 1829
New Auto
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMar 21, 2026
Details
As Low As; 100% Financing
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
2557 Sir Barton Way, Lexington, KY, 40509
New/Used Vehicle
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 22, 2026
Details
As Low As
KUE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
1 Quality St, Lexington, KY, 40507 1428
New Vehicle Loan
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedMar 27, 2026
Details
As Low As
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
New Auto Loan
4.00%
24-month
▼
APR4.00%
Term24-month
Last UpdatedMar 20, 2026
Details
AUTO (New or 1 year old with less than 20000 miles)
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY, 41042 4894
New Cars
4.09%
Up to 12 months
▼
APR4.09%
TermUp to 12 months
Last UpdatedMar 25, 2026
Details
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
New Auto Loan
4.25%
36-month
▼
APR4.25%
Term36-month
Last UpdatedMar 20, 2026
Details
AUTO (New or 1 year old with less than 20000 miles)
The Health And Education Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.14%
424 Park Pl, Lexington, KY, 40511 1829
New Auto
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMar 21, 2026
Details
As Low As; 100% Financing
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
New Auto Loan
4.50%
48-month
▼
APR4.50%
Term48-month
Last UpdatedMar 20, 2026
Details
AUTO (New or 1 year old with less than 20000 miles)
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY, 41042 4894
New Cars
4.59%
61-72 months (greater than or equal to $20,000)
▼
APR4.59%
Term61-72 months (greater than or equal to $20,000)
Last UpdatedMar 25, 2026
Details
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
1420 Gardiner Ln Rm 66, Louisville, KY, 40231 8900
New Auto
4.69%
48 Months
▼
APR4.69%
Term48 Months
Last UpdatedMar 27, 2026
Details
As Low As
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
9711 Linn Station Rd, Louisville, KY, 40223 3804
Newer (2023-2026) Auto Loans
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMar 24, 2026
Details
As Low As
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
9600 Ormsby Station Rd, Louisville, KY, 40223 4008
Auto Loans - Cars, Trucks, SUVs & Vans (years 2017 & Newer)
4.74%
0 - 59
▼
APR4.74%
Term0 - 59
Last UpdatedMar 24, 2026
Details
As Low As
CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY, 40219 1917
Auto Loans 2022 or newer
4.74%
Up to 48
▼
APR4.74%
TermUp to 48
Last UpdatedMar 25, 2026
Details
Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
2024-2026 New & Used Auto Loan
4.75%
12 - 36
▼
APR4.75%
Term12 - 36
Last UpdatedMar 24, 2026
Details
As Low As
KUE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
1 Quality St, Lexington, KY, 40507 1428
New Vehicle Loan
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMar 27, 2026
Details
As Low As
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
New Auto Loan
4.75%
60-month
▼
APR4.75%
Term60-month
Last UpdatedMar 20, 2026
Details
AUTO (New or 1 year old with less than 20000 miles)
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
1420 Gardiner Ln Rm 66, Louisville, KY, 40231 8900
New Auto
4.79%
60 Months
▼
APR4.79%
Term60 Months
Last UpdatedMar 27, 2026
Details
As Low As
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
9711 Linn Station Rd, Louisville, KY, 40223 3804
Newer (2023-2026) Auto Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 24, 2026
Details
As Low As
The Health And Education Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.14%
424 Park Pl, Lexington, KY, 40511 1829
New Auto
4.99%
75 Months
▼
APR4.99%
Term75 Months
Last UpdatedMar 21, 2026
Details
As Low As; 100% Financing
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
9600 Ormsby Station Rd, Louisville, KY, 40223 4008
Auto Loans - Cars, Trucks, SUVs & Vans (years 2017 & Newer)
4.99%
60 - 74
▼
APR4.99%
Term60 - 74
Last UpdatedMar 24, 2026
Details
As Low As
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
2557 Sir Barton Way, Lexington, KY, 40509
New/Used Vehicle
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedMar 22, 2026
Details
As Low As
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
New/Used Cars, 2023 and newer models
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 26, 2026
Details
As Low As; Up to 48 months
CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY, 40219 1917
Auto Loans 2022 or newer
4.99%
49-63
▼
APR4.99%
Term49-63
Last UpdatedMar 25, 2026
Details
Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
2024-2026 New & Used Auto Loan
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMar 24, 2026
Details
As Low As
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY, 42104 3383
Other Vehicle Loans New
5.00%
1 Year
▼
APR5.00%
Term1 Year
Last UpdatedMar 21, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY, 41042 4894
New Cars
5.09%
73-84 months (greater than or equal to $30,000)
▼
APR5.09%
Term73-84 months (greater than or equal to $30,000)
Last UpdatedMar 25, 2026
Details
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
2557 Sir Barton Way, Lexington, KY, 40509
New/Used Vehicle
5.24%
75 Months
▼
APR5.24%
Term75 Months
Last UpdatedMar 22, 2026
Details
As Low As
CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY, 40219 1917
Auto Loans 2022 or newer
5.24%
64-75
▼
APR5.24%
Term64-75
Last UpdatedMar 25, 2026
Details
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
New Auto Loan
5.25%
72-month
▼
APR5.25%
Term72-month
Last UpdatedMar 20, 2026
Details
AUTO (New or 1 year old with less than 20000 miles)
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
New/Used Cars, 2023 and newer models
5.39%
63 Months
▼
APR5.39%
Term63 Months
Last UpdatedMar 26, 2026
Details
As Low As; Up to 63 months
L and N Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
9265 SMYRNA PKWY, LOUISVILLE, KY, 40229
Auto Loans 2025-2027 - NEW
5.49%
63 Months
▼
APR5.49%
Term63 Months
Last UpdatedMar 27, 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.
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.06%
300 Clinic Dr, Hopkinsville, KY, 42240 4989
New Auto Loan
5.49%
Up to 60 Months
▼
APR5.49%
TermUp to 60 Months
Last UpdatedMar 23, 2026
Details
The Health And Education Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.14%
424 Park Pl, Lexington, KY, 40511 1829
New Auto
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMar 21, 2026
Details
As Low As; 100% Financing
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
417 High St, Frankfort, KY, 40601
New Auto Loans
5.49%
1-48
▼
APR5.49%
Term1-48
Last UpdatedMar 25, 2026
Details
As Low As
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
1315 CANNONSBURG RD, ASHLAND, KY, 41102
New Autos
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedMar 27, 2026
Details
Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
2024-2026 New & Used Auto Loan
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMar 24, 2026
Details
As Low As
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
1420 Gardiner Ln Rm 66, Louisville, KY, 40231 8900
New Auto
5.69%
84 Months
▼
APR5.69%
Term84 Months
Last UpdatedMar 27, 2026
Details
As Low As
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
9711 Linn Station Rd, Louisville, KY, 40223 3804
Newer (2023-2026) Auto Loans
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedMar 24, 2026
Details
As Low As
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.06%
300 Clinic Dr, Hopkinsville, KY, 42240 4989
New Auto Loan
5.74%
Up to 72 Months
▼
APR5.74%
TermUp to 72 Months
Last UpdatedMar 23, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Toyota Motor Manufacturing, Hebron, KY, 41048
New & Used Vehicles2
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedMar 22, 2026
Details
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
417 High St, Frankfort, KY, 40601
New Auto Loans
5.74%
49-63
▼
APR5.74%
Term49-63
Last UpdatedMar 25, 2026
Details
As Low As
CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY, 40219 1917
Auto Loans 2022 or newer
5.74%
76-84
▼
APR5.74%
Term76-84
Last UpdatedMar 25, 2026
Details
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
New Auto Loan
5.75%
84-month
▼
APR5.75%
Term84-month
Last UpdatedMar 20, 2026
Details
AUTO (New or 1 year old with less than 20000 miles)
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
New/Used Cars, 2023 and newer models
5.79%
75 Months
▼
APR5.79%
Term75 Months
Last UpdatedMar 26, 2026
Details
As Low As; 64 to 75 months
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave, Ashland, KY, 41101 7514
New Cars and Trucks
5.79%
4 years
▼
APR5.79%
Term4 years
Last UpdatedMar 25, 2026
Details
As Low As
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave, Ashland, KY, 41101 7514
New Cars and Trucks
5.89%
3 years
▼
APR5.89%
Term3 years
Last UpdatedMar 25, 2026
Details
As Low As
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave, Ashland, KY, 41101 7514
New Cars and Trucks
5.99%
5 years
▼
APR5.99%
Term5 years
Last UpdatedMar 25, 2026
Details
As Low As
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.06%
300 Clinic Dr, Hopkinsville, KY, 42240 4989
New Auto Loan
5.99%
Up to 84 Months
▼
APR5.99%
TermUp to 84 Months
Last UpdatedMar 23, 2026
Details
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
2557 Sir Barton Way, Lexington, KY, 40509
New/Used Vehicle
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMar 22, 2026
Details
As Low As
Powered by
MonitorBankRates
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: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2022-2025
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMar 16, 2026
Details
A+ | 750+
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2022-2025
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMar 16, 2026
Details
A+ | 750+
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2019-2021
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMar 16, 2026
Details
A+ | 750+
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2022-2025
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMar 16, 2026
Details
A | 680-749
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2022-2025
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedMar 16, 2026
Details
A | 680-749
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2019-2021
6.00%
60 Months
▼
APR6.00%
Term60 Months
Last UpdatedMar 16, 2026
Details
A | 680-749
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2018-2020
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedMar 16, 2026
Details
A+ | 750+
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2022-2025
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMar 16, 2026
Details
A | 680-749
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2022-2025
6.50%
60 Months
▼
APR6.50%
Term60 Months
Last UpdatedMar 16, 2026
Details
B | 640-679
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2018-2020
6.75%
72 Months
▼
APR6.75%
Term72 Months
Last UpdatedMar 16, 2026
Details
A | 680-749
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2022-2025
6.75%
72 Months
▼
APR6.75%
Term72 Months
Last UpdatedMar 16, 2026
Details
B | 640-679
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2016-2018
7.00%
60 Months
▼
APR7.00%
Term60 Months
Last UpdatedMar 16, 2026
Details
A+ | 750+
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2019-2021
7.00%
60 Months
▼
APR7.00%
Term60 Months
Last UpdatedMar 16, 2026
Details
B | 640-679
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2016-2018
7.25%
72 Months
▼
APR7.25%
Term72 Months
Last UpdatedMar 16, 2026
Details
A+ | 750+
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2022-2025
7.25%
84 Months
▼
APR7.25%
Term84 Months
Last UpdatedMar 16, 2026
Details
B | 640-679
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2015 & Older
7.50%
48 Months
▼
APR7.50%
Term48 Months
Last UpdatedMar 16, 2026
Details
A+ | 750+
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2016-2018
7.50%
60 Months
▼
APR7.50%
Term60 Months
Last UpdatedMar 16, 2026
Details
A | 680-749
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2015 & Older
7.75%
60 Months
▼
APR7.75%
Term60 Months
Last UpdatedMar 16, 2026
Details
A+ | 750+
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2016-2018
7.75%
72 Months
▼
APR7.75%
Term72 Months
Last UpdatedMar 16, 2026
Details
A | 680-749
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2018-2020
7.75%
72 Months
▼
APR7.75%
Term72 Months
Last UpdatedMar 16, 2026
Details
B | 640-679
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2015 & Older
8.00%
48 Months
▼
APR8.00%
Term48 Months
Last UpdatedMar 16, 2026
Details
A | 680-749
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2015 & Older
8.25%
60 Months
▼
APR8.25%
Term60 Months
Last UpdatedMar 16, 2026
Details
A | 680-749
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2016-2018
8.50%
60 Months
▼
APR8.50%
Term60 Months
Last UpdatedMar 16, 2026
Details
B | 640-679
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2022-2025
8.50%
60 Months
▼
APR8.50%
Term60 Months
Last UpdatedMar 16, 2026
Details
C | 600-639
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2016-2018
8.75%
72 Months
▼
APR8.75%
Term72 Months
Last UpdatedMar 16, 2026
Details
B | 640-679
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2022-2025
8.75%
72 Months
▼
APR8.75%
Term72 Months
Last UpdatedMar 16, 2026
Details
C | 600-639
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2015 & Older
9.00%
48 Months
▼
APR9.00%
Term48 Months
Last UpdatedMar 16, 2026
Details
B | 640-679
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2019-2021
9.00%
60 Months
▼
APR9.00%
Term60 Months
Last UpdatedMar 16, 2026
Details
C | 600-639
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2015 & Older
9.25%
60 Months
▼
APR9.25%
Term60 Months
Last UpdatedMar 16, 2026
Details
B | 640-679
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2022-2025
9.25%
84 Months
▼
APR9.25%
Term84 Months
Last UpdatedMar 16, 2026
Details
C | 600-639
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2018-2020
9.75%
72 Months
▼
APR9.75%
Term72 Months
Last UpdatedMar 16, 2026
Details
C | 600-639
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2016-2018
10.50%
60 Months
▼
APR10.50%
Term60 Months
Last UpdatedMar 16, 2026
Details
C | 600-639
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2016-2018
10.75%
72 Months
▼
APR10.75%
Term72 Months
Last UpdatedMar 16, 2026
Details
C | 600-639
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2015 & Older
11.00%
48 Months
▼
APR11.00%
Term48 Months
Last UpdatedMar 16, 2026
Details
C | 600-639
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2015 & Older
11.25%
60 Months
▼
APR11.25%
Term60 Months
Last UpdatedMar 16, 2026
Details
C | 600-639
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2022-2025
12.00%
60 Months
▼
APR12.00%
Term60 Months
Last UpdatedMar 16, 2026
Details
D | 550-599
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2022-2025
12.25%
72 Months
▼
APR12.25%
Term72 Months
Last UpdatedMar 16, 2026
Details
D | 550-599
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2019-2021
12.50%
60 Months
▼
APR12.50%
Term60 Months
Last UpdatedMar 16, 2026
Details
D | 550-599
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2022-2025
12.75%
84 Months
▼
APR12.75%
Term84 Months
Last UpdatedMar 16, 2026
Details
D | 550-599
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2018-2020
13.25%
72 Months
▼
APR13.25%
Term72 Months
Last UpdatedMar 16, 2026
Details
D | 550-599
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2016-2018
14.00%
60 Months
▼
APR14.00%
Term60 Months
Last UpdatedMar 16, 2026
Details
D | 550-599
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2016-2018
14.25%
72 Months
▼
APR14.25%
Term72 Months
Last UpdatedMar 16, 2026
Details
D | 550-599
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2015 & Older
14.50%
48 Months
▼
APR14.50%
Term48 Months
Last UpdatedMar 16, 2026
Details
D | 550-599
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2015 & Older
14.75%
60 Months
▼
APR14.75%
Term60 Months
Last UpdatedMar 16, 2026
Details
D | 550-599
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2022-2025
15.00%
60 Months
▼
APR15.00%
Term60 Months
Last UpdatedMar 16, 2026
Details
E | 549
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2022-2025
15.25%
72 Months
▼
APR15.25%
Term72 Months
Last UpdatedMar 16, 2026
Details
E | 549
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2019-2021
15.50%
60 Months
▼
APR15.50%
Term60 Months
Last UpdatedMar 16, 2026
Details
E | 549
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2022-2025
15.75%
84 Months
▼
APR15.75%
Term84 Months
Last UpdatedMar 16, 2026
Details
E | 549
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2018-2020
16.25%
72 Months
▼
APR16.25%
Term72 Months
Last UpdatedMar 16, 2026
Details
E | 549
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2016-2018
17.00%
60 Months
▼
APR17.00%
Term60 Months
Last UpdatedMar 16, 2026
Details
E | 549
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2016-2018
17.25%
72 Months
▼
APR17.25%
Term72 Months
Last UpdatedMar 16, 2026
Details
E | 549
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2015 & Older
17.50%
48 Months
▼
APR17.50%
Term48 Months
Last UpdatedMar 16, 2026
Details
E | 549
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY, 42303
Used Vehicles 2015 & Older
17.75%
60 Months
▼
APR17.75%
Term60 Months
Last UpdatedMar 16, 2026
Details
E | 549
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
2557 Sir Barton Way, Lexington, KY, 40509
New/Used Vehicle
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 22, 2026
Details
As Low As
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY, 41042 4894
Used Car Loans
4.39%
Up to 12 months
▼
APR4.39%
TermUp to 12 months
Last UpdatedMar 25, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY, 41042 4894
Used Cars
4.39%
Up to 12 months
▼
APR4.39%
TermUp to 12 months
Last UpdatedMar 25, 2026
Details
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
Used Auto Loan
4.50%
24-month
▼
APR4.50%
Term24-month
Last UpdatedMar 20, 2026
Details
Used Auto up to 10 years old
Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
2024-2026 New & Used Auto Loan
4.75%
12 - 36
▼
APR4.75%
Term12 - 36
Last UpdatedMar 24, 2026
Details
As Low As
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
Used Auto Loan
4.75%
36-month
▼
APR4.75%
Term36-month
Last UpdatedMar 20, 2026
Details
Used Auto up to 10 years old
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY, 41042 4894
Used Car Loans
4.89%
61-72 months (greater than or equal to $20,000)
▼
APR4.89%
Term61-72 months (greater than or equal to $20,000)
Last UpdatedMar 25, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY, 41042 4894
Used Cars
4.89%
61-72 months (greater than or equal to $20,000)
▼
APR4.89%
Term61-72 months (greater than or equal to $20,000)
Last UpdatedMar 25, 2026
Details
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
2557 Sir Barton Way, Lexington, KY, 40509
New/Used Vehicle
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedMar 22, 2026
Details
As Low As
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
1420 Gardiner Ln Rm 66, Louisville, KY, 40231 8900
Used Auto
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 27, 2026
Details
As Low As
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
New/Used Cars, 2023 and newer models
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 26, 2026
Details
As Low As; Up to 48 months
Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
2024-2026 New & Used Auto Loan
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMar 24, 2026
Details
As Low As
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
Used Auto Loan
5.00%
48-month
▼
APR5.00%
Term48-month
Last UpdatedMar 20, 2026
Details
Used Auto up to 10 years old
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
1420 Gardiner Ln Rm 66, Louisville, KY, 40231 8900
Used Auto
5.09%
60 Months
▼
APR5.09%
Term60 Months
Last UpdatedMar 27, 2026
Details
As Low As
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
9711 Linn Station Rd, Louisville, KY, 40223 3804
Used (2019 - 2022) Auto Loans
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedMar 24, 2026
Details
As Low As
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
2557 Sir Barton Way, Lexington, KY, 40509
New/Used Vehicle
5.24%
75 Months
▼
APR5.24%
Term75 Months
Last UpdatedMar 22, 2026
Details
As Low As
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
Used Auto Loan
5.25%
60-month
▼
APR5.25%
Term60-month
Last UpdatedMar 20, 2026
Details
Used Auto up to 10 years old
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY, 41042 4894
Used Car Loans
5.39%
73-84 months (greater than or equal to $30,000)
▼
APR5.39%
Term73-84 months (greater than or equal to $30,000)
Last UpdatedMar 25, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY, 41042 4894
Used Cars
5.39%
73-84 months (greater than or equal to $30,000)
▼
APR5.39%
Term73-84 months (greater than or equal to $30,000)
Last UpdatedMar 25, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
New/Used Cars, 2023 and newer models
5.39%
63 Months
▼
APR5.39%
Term63 Months
Last UpdatedMar 26, 2026
Details
As Low As; Up to 63 months
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
9711 Linn Station Rd, Louisville, KY, 40223 3804
Used (2019 - 2022) Auto Loans
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMar 24, 2026
Details
As Low As
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.06%
300 Clinic Dr, Hopkinsville, KY, 42240 4989
Used Autos 2024 to 2026
5.49%
Up to 60 Months
▼
APR5.49%
TermUp to 60 Months
Last UpdatedMar 23, 2026
Details
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
1315 CANNONSBURG RD, ASHLAND, KY, 41102
Used Autos (1-3 Years)
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedMar 27, 2026
Details
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
1315 CANNONSBURG RD, ASHLAND, KY, 41102
Used Autos (4-7 Years)
5.49%
Up to 72 Months
▼
APR5.49%
TermUp to 72 Months
Last UpdatedMar 27, 2026
Details
Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
2024-2026 New & Used Auto Loan
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMar 24, 2026
Details
As Low As
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.06%
300 Clinic Dr, Hopkinsville, KY, 42240 4989
Used Autos 2020 to 2023
5.74%
Up to 60 Months
▼
APR5.74%
TermUp to 60 Months
Last UpdatedMar 23, 2026
Details
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.06%
300 Clinic Dr, Hopkinsville, KY, 42240 4989
Used Autos 2024 to 2026
5.74%
Up to 72 Months
▼
APR5.74%
TermUp to 72 Months
Last UpdatedMar 23, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Toyota Motor Manufacturing, Hebron, KY, 41048
New & Used Vehicles2
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedMar 22, 2026
Details
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
417 High St, Frankfort, KY, 40601
Used Auto Loans
5.74%
1-48
▼
APR5.74%
Term1-48
Last UpdatedMar 25, 2026
Details
As Low As
L and N Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
9265 SMYRNA PKWY, LOUISVILLE, KY, 40229
Auto Loans 2020-2023 - USED
5.75%
51 Months
▼
APR5.75%
Term51 Months
Last UpdatedMar 27, 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: 2.32%
9265 SMYRNA PKWY, LOUISVILLE, KY, 40229
Auto Loans 2024-2026 - USED
5.75%
63 Months
▼
APR5.75%
Term63 Months
Last UpdatedMar 27, 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: 0.69%
503 W Main St, Morehead, KY, 40351 1539
Used Auto Loan
5.75%
72-month
▼
APR5.75%
Term72-month
Last UpdatedMar 20, 2026
Details
Used Auto up to 10 years old
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY, 42104 3383
Other Vehicle Loans Used
5.75%
1 Year
▼
APR5.75%
Term1 Year
Last UpdatedMar 21, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
New/Used Cars, 2023 and newer models
5.79%
75 Months
▼
APR5.79%
Term75 Months
Last UpdatedMar 26, 2026
Details
As Low As; 64 to 75 months
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
Used Cars, 2019 through 2022 models
5.89%
63 Months
▼
APR5.89%
Term63 Months
Last UpdatedMar 26, 2026
Details
As Low As; Up to 63 months
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.06%
300 Clinic Dr, Hopkinsville, KY, 42240 4989
Used Autos 2020 to 2023
5.99%
Up to 72 Months
▼
APR5.99%
TermUp to 72 Months
Last UpdatedMar 23, 2026
Details
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.06%
300 Clinic Dr, Hopkinsville, KY, 42240 4989
Used Autos 2024 to 2026
5.99%
Up to 84 Months
▼
APR5.99%
TermUp to 84 Months
Last UpdatedMar 23, 2026
Details
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
2557 Sir Barton Way, Lexington, KY, 40509
New/Used Vehicle
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMar 22, 2026
Details
As Low As
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MonitorBankRates
National Auto Loan Rate Trends
Weekly national average APRs for new and used auto loans
Auto loan rate data from our database of 8,500+ banks and credit unions — updated weekly.
New Auto Loan — National Avg APR
6.040%
▲ 0.226 from last week
New auto loan rates rose 0.226 points this week to 6.040% APR, up from 5.814% last week.
Used Auto Loan — National Avg APR
6.590%
▲ 0.078 from last week
Used auto loan rates rose 0.078 points this week to 6.590% APR, up from 6.511% last week.
National averages as of Mar 27, 2026 • Weekly data from 8,500+ U.S. banks & credit unions
Powered byMonitorBankRates
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.
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)
- Green River Area Federal Credit Union: 5.25% (New Auto 2025-2026)
- Modern Employees Federal Credit Union: 5.31% (2022 - 2025 Auto Loan)
- Liberty Federal Credit Union: 6.49% (2022 Auto 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: March 27, 2026
