Compare Bank & Credit Union Rates
Best auto loan rates, new and used
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 29 in Louisville/Jefferson County, KY-IN metro · median 5.24% APR
- 3.99%APRas low as
Auto loan score 94 · Carrot Score 95
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 - Indiana Members Credit UnionAuto Loans: SUVs, Truck, Minivan, & Car · 36–84 months
Credit union · 2 branches
4.49%APRas low as · up to 6.74%with conditions4.49% APR, up to 6.74%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
2024 - 2025 models. Reflects 0.25% Full Relationship discount with checking and direct deposit.
Auto loan score 89 · Carrot Score 91
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 · 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 - 4.49%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 - 4.74%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 - 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 - 4.99%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 - 4.99%APRas low as
Terms
Rate as low as 4.99% for terms up to 60 months.
Auto loan score 80 · Carrot Score 78
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
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/Jefferson County, KY-IN metro
29 banks and credit unions · checked Oct 15–22
- Typical
- 5.24%
- Top 10% up to
- 4.49%
- Banks, typical
- 6.00%
- Credit unions, typical
- 4.99%
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