a truck on a road

Auto Loans

Get 1% Cash Back on Auto Loans

  • New Auto Rates as Low as 5.74%!*

  • No Payment for 90 Days*

  • Up to $600 Cash Back

Check Out Our other Great Rates!*
  • 63 Months as Low as 6.50%
  • 75 Months as Low as 7.25%
  • 84 Months as Low as 7.75%

Annual Percentage rate is based on 51 month term on 2023-2025 year models. Rate is subject to change and may be different based on amount borrowed and credit qualifications. Cash back is for new money loans only. 1% cash back disbursed for any new money auto loan of $10,000 or more. Limit of $600 cash back per loan. Interest accrues during the 90-day no payment period. Offer not available to refinance an existing L&N auto loan. Cash Back amount may be included in tax year 1099-Int. Please ask a loan representative for qualifying details. Offer subject to change at any time.

At L&N Federal Credit Union our auto loans will help you drive away in the car or truck you want.

  • We offer competitive rates with many available terms.
  • Rates and terms are based upon the model year of the vehicle and the borrower’s credit history.
L&N Federal Credit Union usually finances up to the retail value of a vehicle as quoted in the N.A.D.A. Value Guide plus any taxes or transfer fees associated with the vehicle.

If you find yourself needing to borrow more than 100% of the retail value such as being "upside down" on a loan, L&N Federal Credit Union will work with you to secure the loan that best meets your needs at a competitive rate.

Also available:

Let the team of L&N Federal Credit Union skilled loan professionals assist you with determining which loan is best for you. For more information about our Auto Financing programs, contact our Loan Department at (800) 292-2905 or (502) 368-5858. Or, contact us by filling out our Contact Form.


Before you buy a vehicle, protect yourself with a CARFAX report. You will receive a report tracking the life cycle of the chosen vehicle by VIN. The report will alert you of accidents, odometer rollbacks, service records, air bag deployment, manufacturer recalls, multiple owners, personal or business use of vehicle, total loss, flood damage, and branded titles. Contact us today for your free CARFAX report.