Auto Loans


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Lowest Auto Loan Rate in Louisville

We’re so confident that we have the lowest auto loan rates in town that we are offering to beat your rate on purchases and refinances. Bring in documentation of your current rate or a rate you are offered and we will beat it by at least 0.50% APR*. 


Click here to calculate your auto loan payment!


*APR = Annual Percentage Rate. Rates, terms, and conditions are subject to change and vary based on creditworthiness, qualifications, and collateral. If you find a better rate, we will beat it by .50% (lowest possible rate of 1.99% APR for 48 months with auto payments).  Promotion period: July 1, 2020 – September 30, 2020. Proof of competing rate required. 

PLUS!! If you use our Car Buying Service, get additional benefits:


Click here for the Class Act Car Buying Service with Auto Link


And when you use our Car Buying Service, you get ADDITIONAL BENEFITS with a free 3-year membership of My EZ Car Care!!!



Class Act has the very best deals for car loans. Not only are our rates consistently among the lowest you’ll find anywhere, but you’ll save even more on associated products like GAP and Mechanical Breakdown Protection (extended warranty). Plus, unlike other lenders, you won’t be charged silly “application fees” or “credit check fees” or “processing fees.” And of course, we never charge any “prepayment penalties.” We treat members fairly. It’s no wonder that members saved over a half million dollars last year alone by financing their car with Class Act.*

Benefits include:
• Low Rates
• Financing for new or used vehicles
• 100% financing available on approved credit
• Flexible terms, meaning lower monthly payments
• Peace of mind with loan protection options*

Ready to get pre-approved?
Buy with confidence by getting pre-approved first to make sure your payments match your budget. Click here to get pre-approved.

Interested in refinancing?
Refinancing a vehicle can save you thousands of dollars over the life of the loan. If you already have a car loan elsewhere contact us today to see what we can do for you. Click here to refinance your vehicle with us.
*Source: Informa Research, and CUNA


Current Auto Loan Rates

Rates shown are as low as

Model YearUp to 48 Months*49-63 Months*64-75 Months*76-84 Months*
20212.75% APR3.00% APR3.50% APR4.25% APR
20202.75% APR3.00% APR3.50% APR4.25% APR
20192.75% APR3.00% APR3.50% APR4.25% APR
20182.75% APR3.00% APR3.50% APR4.25% APR
20173.25% APR3.50% APR
20163.25% APR3.50% APR
20153.25% APR3.50% APR
20143.75% APR
20133.75% APR
20123.75% APR
20113.75% APR


*Annual percentage rate. Rates current as of 06/01/2020 and subject to change without notice. On approved credit. Other rates and terms may apply. Rates shown reflect .25% discount for automatic payment option and on 2018 or newer models. Payment example: $20,000 loan amount with a 4-year term at 2.75% would have bi-weekly payments of $203.41 or $10.17 per $1,000 borrowed.  Not available for refinance of existing CAFCU loans.


Loan Protection

Guaranteed Asset Protection (GAP) – GAP is designed to cover the remaining loan balance that your insurance will not cover if you are in an accident. You will also receive $1,000 towards your next purchase when you finance it through the Credit Union.

Mechanical Breakdown Protection (MBP/Warranty) – MBP gives you peace of mind as it covers repairs to mechanical parts of your vehicle that break. MBP also includes roadside assistance.

Credit Disability and Credit Life Insurance – Credit Disability and Credit Life work in two different ways. Credit Disability helps members make monthly loan payments if the insured borrower is totally disabled for longer than the waiting period. Credit Life works in the event the of the insured borrowers death.

Contact a Class Act Representative today for more information.


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