Credit union · NCUA insured
KEMBA Louisville Credit Union Auto Loan Rates
KEMBA Louisville Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 22, 2026.
How KEMBA Louisville Credit Union’s auto loan rates compare
Compared with banks and credit unions near Louisville/Jefferson County, KY-IN, where KEMBA Louisville Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
KEMBA Louisville Credit Union
4.99%APR
- Terms
- up to 60 months
- Up to
- 5.49% APR
Auto and Truck Loan
Lowest rate
Brown Forman Employees Credit Union
3.99%APR
- Terms
- —
- Up to
- —
2nd-lowest rate
Louisville/Jefferson County Metropolitan Sewer District (MSD)
4.25%APR
- Terms
- up to 72 months
- Up to
- —
Louisville/Jefferson County Metropolitan Sewer District (MSD) rates
KEMBA Louisville Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where KEMBA Louisville Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto and Truck Loan
Loan rates are based on the primary member's credit score, vehicle model year, and financing percentage of J.D. Power value/MSRP. Stated rates are for new to 2 years old; vehicles 10 years old or newer eligible (contact credit union for older models). Older vehicles have shorter terms and higher interest rates. An extra year's term adds 1% to stated loan rate. Terms up to 72 months available.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.49%–5.99% | 100% financing of J.D. Power Consumer Vehicle Values or MSRP on vehicles 10 years old or newer; stated rates for new to 2 years old; fixed rate. |
| up to 60 months | 4.99%–5.49% | 80% financing of J.D. Power Consumer Vehicle Values or MSRP on vehicles 10 years old or newer; stated rates for new to 2 years old; fixed rate. |
| up to 60 months | 6.99%–7.49% | 100% financing of J.D. Power Consumer Vehicle Values or MSRP on vehicles 10 years old or newer; stated rates for new to 2 years old; fixed rate. |
Who can join KEMBA Louisville Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Family and household
- Family members of Kroger Plus Card Cardholders in the Kroger Louisville Marketing Division are eligible for membership.
Other ways
- Kroger Plus Card Cardholders in the Kroger Louisville Marketing Division are eligible for membership.
Membership information collected October 4, 2026.