Compare Bank & Credit Union Rates
Best auto loan rates in Louisville, KY
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 15 in Louisville, KY · median 5.49% APR
- Autotruck Financial CUNew Autos, Trucks, Vans (2025-2027 models <20,000 miles) · up to 60 months
Credit union · 2 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 - 4.74%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 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 - 5.24%APRas low as
Terms
Quoted rate is fixed for vehicles model year 2024 or newer and is based on credit worthiness, qualifications, and collateral conditions. Rate applicable to new purchases or external refinancing only with a vehicle that has 60% LTV (Loan to Value). Subject to $10 membership fee if not already a member.
Auto loan score 79 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 5.34%APRas low as · up to 20.69%with conditions
5.34% APR, up to 20.69%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Available to well-qualified applicants. Includes a 0.25% discount for automated payment from a PNC checking account set up at loan closing; rate increases 0.25% if automated payment is discontinued. Available for 2018-2027 model year non-commercial vehicles with up to 80,000 miles (up to 100,000 miles based on credit qualifications).
Auto loan score 71 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 5.44%APRas low as
Terms
Model Year 2024 - 2027. Purchase APR as low as. Lowest available purchase APR includes a maximum .50% discount for any 2 eligible discounts (each worth .25%). Rate for all terms with no discounts is .50% higher (e.g. Model year 2024 – 2026 with term up to 66 months would be as low as 5.69% APR with no discounts).
Auto loan score 75 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
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.
Auto loan score 69 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.64%APRas low as
Terms
Advertised as-low-as APR assumes excellent borrower credit history and is specific to VA. Advertised rate does not include additional BofA Rewards interest rate discount of 0.10% to 0.50%. Rate guaranteed for 30 days from application approval.
Auto loan score 66 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as
Terms
Rate is APR as low as. Monthly payment example: $18.43 per $1,000 borrowed based on a 63 month term (or $368.43 for a $20,000 loan). Subject to creditworthiness, qualifications, collateral conditions, and approval.
Auto loan score 66 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 5.84%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Model Year: New - 2024
Auto loan score 65 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 6.01%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates as low as 6.005% APR on loans for new or pre-owned cars and trucks with terms up to 84 months. Based on highest credit tier; includes 0.25% autopay discount and $175 processing fee. Example given for 2025 or newer vehicle, 60-month term on $20,000 loan at 5.64% interest rate (6.005% APR).
Auto loan score 64 · Carrot Score 60
Rate checked · Auto loans rates on its site
Rates and branches - 6.24%APRas low as
Terms
Based on 60 months and $45,000 financing amount with $0 down payment for online applicants with excellent credit. Rate discount of 0.25% may be available for Chase customers maintaining an average daily combined balance of $150,000 or more across eligible accounts.
Auto loan score 64 · Carrot Score 60
Rate checked · Auto loans rates on its site
Rates and branches - 6.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Advertised rate includes 0.25% rate reduction for automatic payment from a Park Community CU account. Final rate determined by credit score, vehicle age, vehicle value and loan term.
Auto loan score 63 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 7.51%APRas low as
Terms
Rates as low as 7.51% APR based upon loan amount and creditworthiness. Advertised APR assumes excellent credit history, is based on an average loan amount of $40,000 borrowed over 60 months, includes $257 in account opening fees, and equates to a monthly payment of $799.87. Some loans may be eligible for additional relationship-based account benefits for checking account clients.
Auto loan score 61
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 Louisville, KY
15 banks and credit unions · checked Oct 15–22
- Typical
- 5.49%
- Top 10% up to
- 4.74%
- Banks, typical
- 6.00%
- Credit unions, typical
- 5.34%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Louisville/Jefferson County, KY-IN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Commonwealth Credit UnionCredit union · 4 branches
- Brown Forman Employees Credit UnionCredit union · 1 branch
- Indiana Members Credit UnionCredit union · 2 branches