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Class Act Federal Credit Union auto loan rates compared

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Kentucky · Headquarters Kentucky

Louisville, KY-based credit union; membership required

Rate page on classact.org

Tagged rates need something extra, like autopay or a specific dealer. Untagged rates are the lender's standard rate.

The published figure may include an autopay, direct-deposit, or relationship discount.

NewNew car rates · 4 rates

As low asAutopayAutopay: The published rate assumes automatic payments (autopay).

4.49%NewUp to 48 months

KYChecked Nov 11, 2026

What the lender published

Auto loans, model year 2022 or newer. Advertised as up to 48 months. Includes a 0.25% automatic payment discount. Rate depends on credit, vehicle age and mileage, collateral value, and loan amount. Rates effective November 1, 2026.

Checked Nov 11, 2026Source classact.org

As low asAutopayAutopay: The published rate assumes automatic payments (autopay).

4.74%New49–60 months

KYChecked Nov 11, 2026

What the lender published

Auto loans, model year 2022 or newer. Advertised as 49-60 months. Includes a 0.25% automatic payment discount. Rate depends on credit, vehicle age and mileage, collateral value, and loan amount. Rates effective November 1, 2026.

Checked Nov 11, 2026Source classact.org

As low asAutopayAutopay: The published rate assumes automatic payments (autopay).

4.99%New61–72 months

KYChecked Nov 11, 2026

What the lender published

Auto loans, model year 2022 or newer. Advertised as 61-72 months. Includes a 0.25% automatic payment discount. Rate depends on credit, vehicle age and mileage, collateral value, and loan amount. Rates effective November 1, 2026.

Checked Nov 11, 2026Source classact.org

As low asAutopayAutopay: The published rate assumes automatic payments (autopay).

5.49%New73–84 months

KYChecked Nov 11, 2026

What the lender published

Auto loans, model year 2022 or newer. Advertised as 73-84 months. Includes a 0.25% automatic payment discount. Rate depends on credit, vehicle age and mileage, collateral value, and loan amount. Rates effective November 1, 2026.

Checked Nov 11, 2026Source classact.org

UsedUsed car rates · 4 rates

As low asAutopayAutopay: The published rate assumes automatic payments (autopay).

4.49%UsedUp to 48 months

KYChecked Nov 11, 2026

What the lender published

Auto loans, model year 2022 or newer. Advertised as up to 48 months. Includes a 0.25% automatic payment discount. Rate depends on credit, vehicle age and mileage, collateral value, and loan amount. Rates effective November 1, 2026.

Checked Nov 11, 2026Source classact.org

As low asAutopayAutopay: The published rate assumes automatic payments (autopay).

4.74%Used49–60 months

KYChecked Nov 11, 2026

What the lender published

Auto loans, model year 2022 or newer. Advertised as 49-60 months. Includes a 0.25% automatic payment discount. Rate depends on credit, vehicle age and mileage, collateral value, and loan amount. Rates effective November 1, 2026.

Checked Nov 11, 2026Source classact.org

As low asAutopayAutopay: The published rate assumes automatic payments (autopay).

4.99%Used61–72 months

KYChecked Nov 11, 2026

What the lender published

Auto loans, model year 2022 or newer. Advertised as 61-72 months. Includes a 0.25% automatic payment discount. Rate depends on credit, vehicle age and mileage, collateral value, and loan amount. Rates effective November 1, 2026.

Checked Nov 11, 2026Source classact.org

As low asAutopayAutopay: The published rate assumes automatic payments (autopay).

5.49%Used73–84 months

KYChecked Nov 11, 2026

What the lender published

Auto loans, model year 2022 or newer. Advertised as 73-84 months. Includes a 0.25% automatic payment discount. Rate depends on credit, vehicle age and mileage, collateral value, and loan amount. Rates effective November 1, 2026.

Checked Nov 11, 2026Source classact.org