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 31–45 of 53 in Kentucky · median 5.24% APR
- 5.39%APRas low as
Terms
Model years 2023 - 2026 (table lists 2025-2026). Minimum credit score of 750+ required. New money only; Kemba refinances do not apply.
Auto loan score 76 · Carrot Score 85
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
Rates as low as 5.49% APR. Up to 100% financing. Fixed rate. Rate may vary based on creditworthiness.
Auto loan score 73 · Carrot Score 94
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 - 5.50%APRas low as
Auto loan score 72 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as
Terms
Platinum credit tier (FICO score of 730 or greater). Rates are tiered based on member credit score. Other restrictions may apply. All loans subject to credit approval.
Auto loan score 68 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as
Terms
As low as rate based on credit eligibility and subject to change.
Auto loan score 67 · Carrot Score 79
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
Vehicle model years 2022 - 2026.
Auto loan score 69 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
2025 – Newer. With Autopay Discount. As low as rate based on 760+ Credit Score and Auto Pay. Floor rate of 5.490%. Additional Discounts Available.
Auto loan score 67 · Carrot Score 90
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 - 5.99%APRas low as
Terms
All rates are based on credit history and qualifications. Rates are subject to change.
Auto loan score 66 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
Fixed APR as low as 5.99%. Rates based on creditworthiness.
Auto loan score 66 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
2023 and newer models. APR will vary if loan is signed at a partner dealer location.
Auto loan score 64 · Carrot Score 87
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