Auto Loans · Louisville, Kentucky
13 credit unions in Louisville report car loan rates to the NCUA. Rates range from 4.50% to 17.24%.
Updated Q1 2026 · NCUA Call Report data
13
CUs Reporting Rates
4.50%
Lowest New Car Rate
6.72%
City Average Rate
13 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | BROWN-FORMAN EMPLOYEES | 4.50% | 5.50% |
| 2 | MSD ★ 2.5 · 63 reviews | 4.75% | 6.50% |
| 3 | LOUISVILLE FEDERAL ★ 3.7 · 11 reviews | 4.79% | 5.99% |
| 4 | AUTOTRUCK FINANCIAL ★ 3.3 · 94 reviews | 4.99% | 5.49% |
| 5 | CLASS ACT ★ 4.0 · 75 reviews | 5.24% | 5.24% |
| 6 | LOUISVILLE GAS AND ELECTRIC COMPANY ★ 1.7 · 313 reviews | 5.35% | 5.83% |
| 7 | BEACON COMMUNITY ★ 3.0 · 84 reviews | 5.37% | 7.56% |
| 8 | TRANSCEND ★ 4.8 · 593 reviews | 5.39% | 5.79% |
| 9 | ADVANZ ★ 4.6 · 199 reviews | 5.89% | 6.30% |
| 10 | L & N ★ 3.9 · 44 reviews | 6.15% | 7.65% |
| 11 | KEMBA LOUISVILLE ★ 3.7 · 39 reviews | 6.18% | 7.70% |
| 12 | PARK ★ 4.6 · 258 reviews | 11.49% | 8.49% |
| 13 | K I T ★ 4.6 · 45 reviews | 17.24% | 8.99% |
14 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | CLASS ACT ★ 4.0 · 75 reviews | 5.24% | 5.24% |
| 2 | AUTOTRUCK FINANCIAL ★ 3.3 · 94 reviews | 5.49% | 4.99% |
| 3 | BROWN-FORMAN EMPLOYEES | 5.50% | 4.50% |
| 4 | TRANSCEND ★ 4.8 · 593 reviews | 5.79% | 5.39% |
| 5 | LOUISVILLE GAS AND ELECTRIC COMPANY ★ 1.7 · 313 reviews | 5.83% | 5.35% |
| 6 | LOUISVILLE FEDERAL ★ 3.7 · 11 reviews | 5.99% | 4.79% |
| 7 | ADVANZ ★ 4.6 · 199 reviews | 6.30% | 5.89% |
| 8 | MSD ★ 2.5 · 63 reviews | 6.50% | 4.75% |
| 9 | BEACON COMMUNITY ★ 3.0 · 84 reviews | 7.56% | 5.37% |
| 10 | L & N ★ 3.9 · 44 reviews | 7.65% | 6.15% |
| 11 | KEMBA LOUISVILLE ★ 3.7 · 39 reviews | 7.70% | 6.18% |
| 12 | PARK ★ 4.6 · 258 reviews | 8.49% | 11.49% |
| 13 | K I T ★ 4.6 · 45 reviews | 8.99% | 17.24% |
| 14 | YOUNG COMMUNITY ★ 5.0 · 5 reviews | 10.97% | — |
A pre-approval from a Louisville credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.
Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in Louisville in the same window and take the best offer.
See member reviews, branch locations, and full rate details.