Compare Bank & Credit Union Rates
Best auto loan rates in Kentucky
Compare the lowest advertised APRs for new and used vehicle loans from banks and credit unions, with terms, conditions and original sources.
Top new-car loan rates
Showing 1–15 of 53 in Kentucky · median 5.24% APR
- 3.30%APRas low asunusually low · being checked
Terms
Auto Year Models New-2023. Credit score, vehicle age, mileage, and loan term will determine final rate. APR on new loans less than $5,000 will be 1% higher.
Auto loan score 94 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Auto loan score 94 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as · up to 14.39%
3.99% APR, up to 14.39%
Terms
Available September 1 – October 31, 2026. Rate based on creditworthiness, loan terms and other factors.
Auto loan score 94 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as · up to 14.49%
4.25% APR, up to 14.49%
Auto loan score 87 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - Louisville/Jefferson County Metropolitan Sewer District (MSD)AUTO - NEW · up to 72 months
Credit union · 1 branch
4.25%APRas low asTerms
As low as 4.25% APR; maximum term 72 months; 100% amount financed retail; maximum limit based on current market value.
Auto loan score 86 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 4.29%APRas low as
Terms
As low as rate for 37-60 months on new vehicles (2025 and newer model years). Assumes excellent credit.
Auto loan score 88 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - Autotruck Financial CUNew Autos, Trucks, Vans (2025-2027 models <20,000 miles) · up to 60 months
Credit union · 5 branches
4.49%APRas low asTerms
Payment example: $186.38 based on $10,000. Rates effective August 1, 2026. Fixed rate.
Auto loan score 88 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
Rates as low as. Credit score must qualify for certain rates. APR depends on loan amount, term, credit history, vehicle age and condition. Does not apply to current LFCU loans.
Auto loan score 88 · Carrot Score 90
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
New vehicle
Auto loan score 87 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Applicable to New, Used, Refinanced Automobile (Model 2024+). Rate is APR as low as; actual rate based on creditworthiness.
Auto loan score 86 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
APR based off a $25,000.00 loan with a $150.00 loan origination fee. Rate as low as.
Auto loan score 88 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Up to 100% of Purchase Price. Purchase Price exceeding $15,000 for 60 months. Rate includes BCCU checking with direct deposit and auto payments via payroll.
Auto loan score 87 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as · up to 9.49%
4.74% APR, up to 9.49%
Auto loan score 85 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model year 2022 or newer. Rates shown reflect .25% discount for automatic payment discount.
Auto loan score 83 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
Rate is 'as low as'. Terms up to 120 months.
Auto loan score 81 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches
Each institution’s lowest advertised APR for the vehicle, at terms that reach 60 months: usually its best-credit rate, so yours depends on your credit, the term and the vehicle. A rate that needs autopay, a checking account or similar says “with conditions”; More filters can leave those out. Refinance, lease buyout, recreational and promotional rates that have ended are left out, and a rate far below what other lenders advertise is listed lower down until it’s checked. Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates. How we rank
What new auto loans cost in Kentucky
53 banks and credit unions · checked Oct 15–22
- Typical
- 5.24%
- Top 10% up to
- 4.33%
- Banks, typical
- 6.00%
- Credit unions, typical
- 5.00%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Kentucky
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Commonwealth Credit UnionCredit union · 18 branches
- Brown Forman Employees Credit UnionCredit union · 1 branch
- Members Heritage CUCredit union · 5 branches