Credit union · NCUA insured
Lexington Postal Credit Union Auto Loan Rates
Top CarrotLexington Postal Credit Union auto loans start at 4.75% APR for a new vehicle and 4.75% for a used one. Rates checked October 22, 2026.
How Lexington Postal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Lexington, KY, where Lexington Postal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Lexington Postal Credit Union
4.75%APR
- Terms
- up to 60 months
- Discount
- None included
New Auto/Motorcycle
2nd-lowest rate
Ashland Credit Union
5.08%APR
- Terms
- 61–72 months
- Discount
- Included in the rate
3rd-lowest rate
UK Credit Union
5.24%APR
- Terms
- 37–66 months
- Discount
- Included in the rate
Lexington Postal Credit Union auto loan score
87
Auto loan score
Higher than 76% of U.S. banks and credit unions
- New vehicleNew4.75%
- Used vehicleUsed4.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Lexington Postal 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.
Debt Restructure (Used Vehicle Loan)
Loan secured by vehicle's equity to consolidate debt. Up to 125% NADA Retail. Actual rate is based on Experian credit score and applicable Loan Rate Pricing Tier.
| Terms | APR | Conditions |
|---|---|---|
| — | 6.24% | Up to 125% NADA Retail. Base rate shown (Credit Grade A: 680-719). Rates vary by Experian credit score grade: A+ (-0.50%), B (+3.00%), C (+7.00%), D (+10.00%). Daily periodic rate .0171%. |
Sources (1)
- lexpccu.com/loans · captured Oct 15, 2026
New Auto/Motorcycle
Actual rate is based on Experian credit score and applicable Loan Rate Pricing Tier. 100% Financing.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.75% | 100% Financing. Base rate shown (Credit Grade A: 680-719). Rates vary by Experian credit score grade: A+ (-0.50%), B (+3.00%), C (+7.00%), D (+10.00%). Daily periodic rate .0144%. |
| up to 84 months | 5.75% | 100% Financing. Base rate shown (Credit Grade A: 680-719). Rates vary by Experian credit score grade: A+ (-0.50%), B (+3.00%), C (+7.00%), D (+10.00%). Daily periodic rate .0171%. |
Sources (1)
- lexpccu.com/loans · captured Oct 15, 2026
Used Auto/Motorcycle
Terms and loan-to-value based on model year. Actual rate is based on Experian credit score and applicable Loan Rate Pricing Tier.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.75% | Model years 2015 - 2025. 100% NADA Retail. Base rate shown (Credit Grade A: 680-719). Rates vary by Experian credit score grade: A+ (-0.50%), B (+3.00%), C (+7.00%), D (+10.00%). Daily periodic rate .0144%. |
| 61–84 months | 5.75% | Model years 2015 - 2025. 100% NADA Retail. Base rate shown (Credit Grade A: 680-719). Rates vary by Experian credit score grade: A+ (-0.50%), B (+3.00%), C (+7.00%), D (+10.00%). Daily periodic rate .0144%. |
Sources (1)
- lexpccu.com/loans · captured Oct 15, 2026
Who can join Lexington Postal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, or attends church in Fayette County or any county within the Bluegrass Area Development District is eligible to join.
Family and household
- Immediate family members of current members, including mothers, fathers, brothers, sisters, grandparents, aunts, and uncles, are eligible for membership.
Cost to join
- Members must deposit and maintain a minimum balance of $20 in a Share Savings Account.
Membership information collected October 4, 2026.