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 16–30 of 53 in Kentucky · median 5.24% APR
- 4.75%APRas low as
Terms
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%.
Auto loan score 87 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
New Year, New Savings promotion; rates as low as 4.75%
Auto loan score 87 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as · up to 15.25%with conditions
4.75% APR, up to 15.25%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Credit score: A+ (750+) to E (549-).
Auto loan score 85 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
New or 1 year old with less than 20,000 miles. Fixed rate; rate based on credit history.
Auto loan score 83 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 13.50%
4.99% APR, up to 13.50%
Terms
Monthly payment, Fixed APR. Requires $25k MSRP.
Auto loan score 83 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 5.49%
4.99% APR, up to 5.49%
Terms
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.
Auto loan score 83 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 15.99%
4.99% APR, up to 15.99%
Terms
Rates determined by credit score/classification: A+ (730+) at 4.99% to E (549 or less) at 15.99%. Does not apply to existing Credit Union loans.
Auto loan score 83 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - Northern Kentucky Federal Credit UnionNew/Used Vehicle Loans · up to 60 months
Credit union · 2 branches
5.00%APRas low as · up to 15.25%5.00% APR, up to 15.25%
Terms
Rate varies by credit tier (5.00% for 680+ A+/A, 5.75% for 640-679 B, 8.75% for 600-639 C, 15.25% for 599 or less D/E). 60 month term available on 2018-2015 model years.
Auto loan score 82 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as · up to 15.50%
5.00% APR, up to 15.50%
Terms
APR is based on credit score.
Auto loan score 82 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 5.08%APRas low aswith conditions
This rate needs autopay.
Terms
APR as low as 5.08%, interest rate as low as 4.99%. Minimum value / financing amount $15,000.
Auto loan score 76 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.18%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Auto Loan Special. Model year 2024 or newer vehicles, purchase transactions only. Repayment term up to 60 months. APR reflects a 0.25% discount for automatic payments from a First Harrison checking account with existing ACH deposits.
Auto loan score 68 · Carrot Score 71
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 - 5.24%APRas low as
Terms
Rate as low as. Individual rates vary based on credit and collateral conditions.
Auto loan score 73 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Includes 1% Buy-Down Program discount.
Auto loan score 73 · Carrot Score 84
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
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