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UK Credit Union auto loan rates compared

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Kentucky · Headquarters Kentucky

Lexington, KY-based credit union; membership required

Rate page on ukcreditunion.org

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

NewNew car rates · 5 rates

As low asBundled discountsBundled discounts: The published rate includes bundled relationship discounts.

3.99%NewUp to 36 months

KYChecked Nov 11, 2026

What the lender published

New or used vehicles. Advertised as up to 36 months. APR as low as; rates include the 1% Buy-Down Program discount, and no other discount applies. Effective October 15, 2026.

Checked Nov 11, 2026Source ukcreditunion.org

As low asBundled discountsBundled discounts: The published rate includes bundled relationship discounts.

5.24%New37–66 months

KYChecked Nov 11, 2026

What the lender published

New or used vehicles. Advertised as 37-66 months. APR as low as; rates include the 1% Buy-Down Program discount, and no other discount applies. Effective October 15, 2026.

Checked Nov 11, 2026Source ukcreditunion.org

As low asBundled discountsBundled discounts: The published rate includes bundled relationship discounts.

5.74%New67–75 months

KYChecked Nov 11, 2026

What the lender published

New or used vehicles. Advertised as 67-75 months. APR as low as; rates include the 1% Buy-Down Program discount, and no other discount applies. Effective October 15, 2026.

Checked Nov 11, 2026Source ukcreditunion.org

As low asBundled discountsBundled discounts: The published rate includes bundled relationship discounts.

6.24%New76–84 months

KYChecked Nov 11, 2026

What the lender published

New or used vehicles. Advertised as 76-84 months. APR as low as; rates include the 1% Buy-Down Program discount, and no other discount applies. Effective October 15, 2026.

Checked Nov 11, 2026Source ukcreditunion.org

As low asBundled discountsBundled discounts: The published rate includes bundled relationship discounts.

6.74%New85–89 months

KYChecked Nov 11, 2026

What the lender published

New or used vehicles. Advertised as 85-89 months. APR as low as; rates include the 1% Buy-Down Program discount, and no other discount applies. Effective October 15, 2026.

Checked Nov 11, 2026Source ukcreditunion.org

UsedUsed car rates · 5 rates

As low asBundled discountsBundled discounts: The published rate includes bundled relationship discounts.

3.99%UsedUp to 36 months

KYChecked Nov 11, 2026

What the lender published

New or used vehicles. Advertised as up to 36 months. APR as low as; rates include the 1% Buy-Down Program discount, and no other discount applies. Effective October 15, 2026.

Checked Nov 11, 2026Source ukcreditunion.org

As low asBundled discountsBundled discounts: The published rate includes bundled relationship discounts.

5.24%Used37–66 months

KYChecked Nov 11, 2026

What the lender published

New or used vehicles. Advertised as 37-66 months. APR as low as; rates include the 1% Buy-Down Program discount, and no other discount applies. Effective October 15, 2026.

Checked Nov 11, 2026Source ukcreditunion.org

As low asBundled discountsBundled discounts: The published rate includes bundled relationship discounts.

5.74%Used67–75 months

KYChecked Nov 11, 2026

What the lender published

New or used vehicles. Advertised as 67-75 months. APR as low as; rates include the 1% Buy-Down Program discount, and no other discount applies. Effective October 15, 2026.

Checked Nov 11, 2026Source ukcreditunion.org

As low asBundled discountsBundled discounts: The published rate includes bundled relationship discounts.

6.24%Used76–84 months

KYChecked Nov 11, 2026

What the lender published

New or used vehicles. Advertised as 76-84 months. APR as low as; rates include the 1% Buy-Down Program discount, and no other discount applies. Effective October 15, 2026.

Checked Nov 11, 2026Source ukcreditunion.org

As low asBundled discountsBundled discounts: The published rate includes bundled relationship discounts.

6.74%Used85–89 months

KYChecked Nov 11, 2026

What the lender published

New or used vehicles. Advertised as 85-89 months. APR as low as; rates include the 1% Buy-Down Program discount, and no other discount applies. Effective October 15, 2026.

Checked Nov 11, 2026Source ukcreditunion.org