Credit union · NCUA insured
L&N Federal Credit Union Auto Loan Rates
Top CarrotL&N Federal Credit Union auto loans start at 5.49% APR for a new vehicle and 5.75% for a used one. Rates checked October 22, 2026.
How L&N Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Louisville/Jefferson County, KY-IN, where L&N Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
L&N Federal Credit Union
5.49%APR
- Terms
- up to 63 months
Auto Loans
Lowest rate
Brown Forman Employees Credit Union
3.99%APR
- Terms
- —
2nd-lowest rate
Louisville/Jefferson County Metropolitan Sewer District (MSD)
4.25%APR
- Terms
- up to 72 months
Louisville/Jefferson County Metropolitan Sewer District (MSD) rates
L&N Federal Credit Union auto loan score
69
Auto loan score
Higher than 25% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed5.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where L&N Federal 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 Loans
Only members of L&N Federal Credit Union can apply for loans. Rates and terms are based on model year, representative credit score, and LTV. APR disclosed is for 'A' credit. Vehicle is considered used, for any model year, if it has 20,000 or more miles.
| Terms | APR | Conditions |
|---|---|---|
| up to 63 months | 5.49% | Model Year 2025-2027 - NEW. APR disclosed is for 'A' credit; rates are based on representative credit score and LTV. Vehicle is considered used for any model year if it has 20,000 or more miles. |
| 64–84 months | 6.50% | Model Year 2025-2027 - NEW. APR disclosed is for 'A' credit; rates are based on representative credit score and LTV. Vehicle is considered used for any model year if it has 20,000 or more miles. |
| up to 63 months | 5.75% | Model Year 2024-2026 - USED. APR disclosed is for 'A' credit; rates are based on representative credit score and LTV. Vehicle is considered used for any model year if it has 20,000 or more miles. |
| 64–75 months | 6.50% | Model Year 2024-2026 - USED. APR disclosed is for 'A' credit; rates are based on representative credit score and LTV. Vehicle is considered used for any model year if it has 20,000 or more miles. |
| up to 51 months | 5.75% | Model Year 2020-2023 - USED. APR disclosed is for 'A' credit; rates are based on representative credit score and LTV. Vehicle is considered used for any model year if it has 20,000 or more miles. |
| 52–63 months | 6.50% | Model Year 2020-2023 - USED. APR disclosed is for 'A' credit; rates are based on representative credit score and LTV. Vehicle is considered used for any model year if it has 20,000 or more miles. |
| up to 51 months | 7.00% | Model Year 2016-2019 - USED. APR disclosed is for 'A' credit; rates are based on representative credit score and LTV. Vehicle is considered used for any model year if it has 20,000 or more miles. |
Who can join L&N Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to people who live, work, worship, attend school, or belong to any legal entity in multiple areas.
Employers and groups
- Membership eligibility is open to companies and associations who have chosen L&N as their credit union.
Family and household
- Membership eligibility is open to family members of existing L&N members.
Membership information collected October 4, 2026.