Become a UKFCU Member Today!
Joining UKFCU means you’re not just an account holder – you’re a valued member.
Auto Rates as Low as 3.99% APR*
We're here to help you hit the road with a better rate and more peace of mind.
Save big from the start — rates as low as 3.99%!
Cruising the market for a low auto loan rate? Whether it's a brand-new car or your current vehicle, let University of Kentucky Federal Credit Union help you shift gears into a low auto rate, whether it's a new loan or refinancing an existing loan!
With auto loan rates as low as 3.99% APR*, you're able to drive off the lot or out of your driveway with a new, great rate! This offer applies to both new and existing vehicles as long as they are 7 years old or newer.
Why finance with UKFCU?
Rates as low as 3.99% APR* for a 36-month term when you complete our Buy-Down Program
Experience easy, local service at 7 convenient branches or online anytime
Joining is easy! Membership eligibility is straightforward, and you can become a member in minutes!
At UKFCU, we're here to help you hit the road with a better rate and more peace of mind.
Ready for an Auto Rate as Low as 3.99% APR*?
We've got the financing to set your wheels in motion.
Get a lower auto loan rate — up to 1% lower — with UKFCU's Buy-Down Program.
Choose up to four services with your loan and save even more!
Choose from:
- Auto Pay from a UKFCU account1
- Direct Deposit with UKFCU2
- UKFCU Auto Loan Payoff Discount3
- UKFCU GAP Advantage Program4
- UKFCU Vehicle Warranty5
- UKFCU Credit Life/Disability6
- Banzai Plus Course7
- New/Used Auto if LTV is Less than 80%8
- Other Secured Auto if LTV is Less than 70%9
All new and used vehicle loans (7 years old or newer) are eligible for rate Buy-Downs, except Boat/PWC/RV, Motorcycle, and ATV/UTV loans. The member may choose up to four buy-down options, each buy-down valued at 0.25% each, for a maximum buy-down amount of 1%. Multiple services of the same product will count as one buy-down (i.e., Credit Life and Credit Disability). Buy-downs are non-transferable. All buy-downs should be presented by the time of funding. All used vehicle loans (over 7 years old) are eligible for one rate Buy-Down specific to LTV under 70%.
1 Must have automatic payments set up to pay from a UKFCU account.
2 Direct deposits must be a minimum of $200 per month, must be established via ACH with deposit history in the account *OR* the member must provide documentation from their employer that it has been set up. Direct deposit buy-down qualifying transactions include ACH Payroll from Employer; UK Payroll deduction; Retirement Benefits; Stock Dividends; Structured settlement; and Government benefits including SSA, Disability, and Child Support.
3 Trading and paying off existing UKFCU auto (excluding internal refinance).
4 Purchase a GAP or Depreciation Protection plan offered by UKFCU.
5 Purchase Extended Service Agreement (MBP/VSA).
6 Purchase UKFCU Credit Life and Disability insurance.
7 Take a Banzai Plus! Budget Course (only available to existing members); each member can only complete the course one time.
8 All new and used vehicle loans (7 years old or newer) are eligible for 0.25% rate discount if front-end LTV is less than 80%.
9 Other Secured Auto Loans are eligible for one rate Buy-Down (0.25%) specific to LTV under 70%.
"How much can I save?"
See how much you could save by refinancing your current high-rate auto loan with UKFCU!
Ready for an Auto Rate as Low as 3.99% APR*?
We've got the financing to set your wheels in motion.
Financial fitness starts here.
Refinancing your auto loan is a smart financial decision. See the various other ways you can up your financial literacy with our Mindful Money Blog!
Become a UKFCU member today.
When you meet our qualifications, opening a membership is easy and you can join online.
*Offer available for new and used vehicles 7 years old or newer and applicable to automobiles only. Interest rate advertised as low as 3.99% Annual Percentage Rate (APR) for 36 months and requires participation in UKFCU’s Buy-Down Program for fully discounted rate. Loan Assumption: Financed amount of $25,000 with a minimum credit score of 760 results in a fixed 36 monthly payments of $737.99. Member must be in good standing with UKFCU to qualify. All financing subject to UKFCU’s standard underwriting guidelines and credit evaluation. Offer effective as of 6/16/2025 and subject to change without notice. Offers cannot be combined. Membership eligibility required. Federally insured by NCUA.
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