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Georgia Best Auto Loan Rates - September 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Georgia. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Georgia include P&S Credit UnionP&S Credit Union1845 Satellite Blvd, Duluth, GA, 30097A+5.0 ★Texas Ratio: 0.19% offering New Truck & Auto Loans (2026 and Untitled 2025 Vehicles) at 2.49%, Credit Union Of AtlantaCredit Union Of Atlanta670 Metropolitan Pkwy SW, Atlanta, GA, 30310A5.0 ★Texas Ratio: 12.07% offering New Vehicles Loan at 3.49%, Credit Union of GeorgiaCredit Union of Georgia3048 Eagle Dr, Woodstock, GA, 30189 5531A+5.0 ★Texas Ratio: 4.40% offering New Vehicle Loans at 3.49%, The Southern Credit UnionThe Southern Credit Union430 Lanier Ave E, Fayetteville, GA, 30214A+5.0 ★Texas Ratio: 0.33% offering New Auto (Model Year 2025 or newer) at 3.50%, Baxter Credit UnionBaxter Credit Union505 Takeda Pkwy, Social Circle, GA, 30025 4723A5.0 ★Texas Ratio: 6.20% offering Auto Loans - 2025 & Newer at 3.64%. Auto loan rates as of September 21, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across Georgia side-by-side. Georgia auto loan rates currently start as low as 2.49% APR from P&S Credit Union at 1845 Satellite Blvd, Duluth, GA, 30097. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Georgia. Auto Loan Rates Last Updated and Verified: September 21, 2026
Compare Auto Loan Rates Today in Georgia
Georgia Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
P&S Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.19%
1845 Satellite Blvd, Duluth, GA, 30097
New Truck & Auto Loans (2026 and Untitled 2025 Vehicles)
2.49%
Up to 12 Months
▼
APR2.49%
TermUp to 12 Months
Last UpdatedSep 18, 2026
Details
As Low As; Fixed
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
670 Metropolitan Pkwy SW, Atlanta, GA, 30310
New Vehicles Loan
3.49%
12-24 months
▼
APR3.49%
Term12-24 months
Last UpdatedSep 18, 2026
Details
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 4.40%
3048 Eagle Dr, Woodstock, GA, 30189 5531
New Vehicle Loans
3.49%
0-36 months
▼
APR3.49%
Term0-36 months
Last UpdatedSep 18, 2026
Details
As Low As;*
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
430 Lanier Ave E, Fayetteville, GA, 30214
New Auto (Model Year 2025 or newer)
3.50%
24 Months+
▼
APR3.50%
Term24 Months+
Last UpdatedSep 18, 2026
Details
Tesla financing requires 20% equity; 100% MSRP for most based on credit worthiness.
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
430 Lanier Ave E, Fayetteville, GA, 30214
New Auto (Model Year 2025 or newer)
3.50%
36 Months^
▼
APR3.50%
Term36 Months^
Last UpdatedSep 18, 2026
Details
Tesla financing requires 20% equity; 100% MSRP for most based on credit worthiness.
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
430 Lanier Ave E, Fayetteville, GA, 30214
New Auto (Model Year 2025 or newer)
3.50%
48 Months~
▼
APR3.50%
Term48 Months~
Last UpdatedSep 18, 2026
Details
Tesla financing requires 20% equity; 100% MSRP for most based on credit worthiness.
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
505 Takeda Pkwy, Social Circle, GA, 30025 4723
Auto Loans - 2025 & Newer
3.64%
0 - 36 Months
▼
APR3.64%
Interest Rate3.64%
Term0 - 36 Months
Last UpdatedSep 18, 2026
Details
as low as; Loan Term
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.56%
2040 Ingleside Ave, Macon, GA, 31204
New Automobile - Current Year (Less Than 15,000 miles)
3.75%
Up to 36 Months
▼
APR3.75%
TermUp to 36 Months
Last UpdatedSep 18, 2026
Details
APR range: 3.75% to 16.45%*
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.56%
2040 Ingleside Ave, Macon, GA, 31204
New Automobile - Current Year (Less Than 15,000 miles)
3.75%
Up to 48 Months
▼
APR3.75%
TermUp to 48 Months
Last UpdatedSep 18, 2026
Details
APR range: 3.75% to 16.95%*
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.56%
2040 Ingleside Ave, Macon, GA, 31204
New Automobile - Current Year (Less Than 15,000 miles)
3.75%
Up to 60 Months
▼
APR3.75%
TermUp to 60 Months
Last UpdatedSep 18, 2026
Details
APR range: 3.75% to 17.20%*
H.E.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.22%
121 OSIGIAN BLVD, WARNER ROBINS, GA, 31088
New Car Loan
3.75%
36 MONTHS
▼
APR3.75%
Term36 MONTHS
Last UpdatedSep 21, 2026
Details
As Low As; New car rates apply to 2025 and 2026 vehicles with 15,000 miles or less.
H.E.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.22%
121 OSIGIAN BLVD, WARNER ROBINS, GA, 31088
New Car Loan
3.75%
48 MONTHS
▼
APR3.75%
Term48 MONTHS
Last UpdatedSep 21, 2026
Details
New car rates apply to 2025 and 2026 vehicles with 15,000 miles or less.
H.E.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.22%
121 OSIGIAN BLVD, WARNER ROBINS, GA, 31088
New Car Loan
3.75%
60 MONTHS
▼
APR3.75%
Term60 MONTHS
Last UpdatedSep 21, 2026
Details
New car rates apply to 2025 and 2026 vehicles with 15,000 miles or less.
H.E.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.22%
121 OSIGIAN BLVD, WARNER ROBINS, GA, 31088
Used Car Loan
3.75%
36 MONTHS
▼
APR3.75%
Term36 MONTHS
Last UpdatedSep 21, 2026
Details
Used Car Rates 2022-2026; As Low As
H.E.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.22%
121 OSIGIAN BLVD, WARNER ROBINS, GA, 31088
Used Car Loan
3.75%
48 MONTHS
▼
APR3.75%
Term48 MONTHS
Last UpdatedSep 21, 2026
Details
Used Car Rates 2022-2026
H.E.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.22%
121 OSIGIAN BLVD, WARNER ROBINS, GA, 31088
Used Car Loan
3.75%
60 MONTHS
▼
APR3.75%
Term60 MONTHS
Last UpdatedSep 21, 2026
Details
Used Car Rates 2022-2026
Lanier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
3718 Mundy Mill Rd, Oakwood, GA, 30566 3417
New Auto - 2024 Year Model (Max 100k miles)
3.75%
36 months or less
▼
APR3.75%
Interest Rate3.75%
Term36 months or less
Last UpdatedSep 21, 2026
Details
Minimum loan amount $40k; New Auto Purchase/Refinance
Combined Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
593 Russell Pkwy, Warner Robins, GA, 31088
New & Current Model Autos (Under 15,000 Miles)
3.75%
Up to 60 Months
▼
APR3.75%
TermUp to 60 Months
Last UpdatedSep 21, 2026
Details
As Low As
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 4.40%
3048 Eagle Dr, Woodstock, GA, 30189 5531
New Vehicle Loans
3.79%
37-48 months
▼
APR3.79%
Term37-48 months
Last UpdatedSep 18, 2026
Details
As Low As;*
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
1025 Virginia Ave, Atlanta, GA, 30354 1319
New and Used Other Vehicle Loans
3.99%
Up to 12 months
▼
APR3.99%
TermUp to 12 months
Last UpdatedSep 18, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
1025 Virginia Ave, Atlanta, GA, 30354 1319
New and Used Other Vehicle Loans
3.99%
24 months
▼
APR3.99%
Term24 months
Last UpdatedSep 18, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
1025 Virginia Ave, Atlanta, GA, 30354 1319
New and Used Other Vehicle Loans
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedSep 18, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
1025 Virginia Ave, Atlanta, GA, 30354 1319
New and Used Other Vehicle Loans
3.99%
48 months
▼
APR3.99%
Term48 months
Last UpdatedSep 18, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
1025 Virginia Ave, Atlanta, GA, 30354 1319
New and Used Other Vehicle Loans
3.99%
60 months
▼
APR3.99%
Term60 months
Last UpdatedSep 18, 2026
Details
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
670 Metropolitan Pkwy SW, Atlanta, GA, 30310
New Vehicles Loan
3.99%
25-36 months
▼
APR3.99%
Term25-36 months
Last UpdatedSep 18, 2026
Details
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
670 Metropolitan Pkwy SW, Atlanta, GA, 30310
New Vehicles Loan
3.99%
37-48 months
▼
APR3.99%
Term37-48 months
Last UpdatedSep 18, 2026
Details
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
670 Metropolitan Pkwy SW, Atlanta, GA, 30310
New Vehicles Loan
3.99%
49-60 months
▼
APR3.99%
Term49-60 months
Last UpdatedSep 18, 2026
Details
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
670 Metropolitan Pkwy SW, Atlanta, GA, 30310
Used Vehicles Loan
3.99%
12-24 months
▼
APR3.99%
Term12-24 months
Last UpdatedSep 18, 2026
Details
As Low As; Current Year
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 4.40%
3048 Eagle Dr, Woodstock, GA, 30189 5531
New Vehicle Loans
3.99%
49-60 months
▼
APR3.99%
Term49-60 months
Last UpdatedSep 18, 2026
Details
As Low As;*
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 4.40%
3048 Eagle Dr, Woodstock, GA, 30189 5531
Used Vehicle Loans
3.99%
0-36 months
▼
APR3.99%
Term0-36 months
Last UpdatedSep 18, 2026
Details
As Low As; *
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.37%
1237 Clairmont Rd, Decatur, GA, 30030 1229
New Auto 2025 & Newer
3.99%
36 Months
▼
APR3.99%
Interest Rate3.74%
Term36 Months
Last UpdatedSep 18, 2026
Details
As low as
Lanier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
3718 Mundy Mill Rd, Oakwood, GA, 30566 3417
New Auto - 2024 Year Model (Max 100k miles)
3.99%
2024 Year
▼
APR3.99%
Interest Rate3.99%
Term2024 Year
Last UpdatedSep 21, 2026
Details
Minimum loan amount $40k; New Auto Purchase/Refinance
Lanier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
3718 Mundy Mill Rd, Oakwood, GA, 30566 3417
Used Auto - 2023 to 2021 Year Model (Max 150k miles)
3.99%
36 months or less
▼
APR3.99%
Interest Rate3.99%
Term36 months or less
Last UpdatedSep 21, 2026
Details
Used Auto Purchase/Refinance
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
430 Lanier Ave E, Fayetteville, GA, 30214
New Auto (Model Year 2025 or newer)
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedSep 18, 2026
Details
Tesla financing requires 20% equity; 100% MSRP for most based on credit worthiness.
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
430 Lanier Ave E, Fayetteville, GA, 30214
Used Auto (Model Year 2016 or newer)
4.00%
48 Months~
▼
APR4.00%
Term48 Months~
Last UpdatedSep 18, 2026
Details
Tesla financing requires 20% equity; 100% of Retail Value for most based on credit worthiness.
Associated Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
6251 Crooked Creek Rd, Norcross, GA, 30092 3107
Vehicle Loan
4.00%
Up to 84 Months
▼
APR4.00%
TermUp to 84 Months
Last UpdatedSep 21, 2026
Details
Published APR range: 4.00% - 15.00%. Model Year(s): 2027 - 2024 NADA Retail / MSRP
Combined Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
593 Russell Pkwy, Warner Robins, GA, 31088
New & Current Model Autos (Under 15,000 Miles)
4.00%
Up to 60 Months
▼
APR4.00%
TermUp to 60 Months
Last UpdatedSep 21, 2026
Details
As low as
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
505 Takeda Pkwy, Social Circle, GA, 30025 4723
Auto Loans - 2025 & Newer
4.14%
37 - 75 Months
▼
APR4.14%
Interest Rate4.14%
Term37 - 75 Months
Last UpdatedSep 18, 2026
Details
as low as; Loan Term
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.37%
1237 Clairmont Rd, Decatur, GA, 30030 1229
New Auto 2025 & Newer
4.18%
48 Months
▼
APR4.18%
Interest Rate3.99%
Term48 Months
Last UpdatedSep 18, 2026
Details
As low as
Workmens Circle Incorporated Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
527 Stephenson Ave, Savannah, GA, 31405 5922
New Vehicle Loan
4.24%
2 Years
▼
APR4.24%
Term2 Years
Last UpdatedSep 18, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.56%
2040 Ingleside Ave, Macon, GA, 31204
New Automobile - Current Year (Less Than 15,000 miles)
4.25%
Up to 66 Months
▼
APR4.25%
TermUp to 66 Months
Last UpdatedSep 18, 2026
Details
APR range: 4.25% to 17.20%*
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
430 Lanier Ave E, Fayetteville, GA, 30214
New Auto (Model Year 2025 or newer)
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedSep 18, 2026
Details
Tesla financing requires 20% equity; 100% MSRP for most based on credit worthiness.
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
430 Lanier Ave E, Fayetteville, GA, 30214
Used Auto (Model Year 2016 or newer)
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedSep 18, 2026
Details
Tesla financing requires 20% equity; 100% of Retail Value for most based on credit worthiness.
Lanier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
3718 Mundy Mill Rd, Oakwood, GA, 30566 3417
New Auto - 2024 Year Model (Max 100k miles)
4.25%
2024 Year
▼
APR4.25%
Interest Rate4.25%
Term2024 Year
Last UpdatedSep 21, 2026
Details
Minimum loan amount $40k; New Auto Purchase/Refinance
Lanier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
3718 Mundy Mill Rd, Oakwood, GA, 30566 3417
Used Auto - 2023 to 2021 Year Model (Max 150k miles)
4.25%
2021 Year
▼
APR4.25%
Interest Rate4.25%
Term2021 Year
Last UpdatedSep 21, 2026
Details
Used Auto Purchase/Refinance
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
670 Metropolitan Pkwy SW, Atlanta, GA, 30310
New Vehicles Loan
4.29%
61 months
▼
APR4.29%
Term61 months
Last UpdatedSep 18, 2026
Details
Term: 61-72 months (over $25,000)
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
670 Metropolitan Pkwy SW, Atlanta, GA, 30310
Used Vehicles Loan
4.29%
25-36 months
▼
APR4.29%
Term25-36 months
Last UpdatedSep 18, 2026
Details
As Low As; Age of Vehicle: 2016- Present
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
670 Metropolitan Pkwy SW, Atlanta, GA, 30310
Used Vehicles Loan
4.29%
37-48 months
▼
APR4.29%
Term37-48 months
Last UpdatedSep 18, 2026
Details
As Low As; Age of Vehicle: 2016- Present
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
670 Metropolitan Pkwy SW, Atlanta, GA, 30310
Used Vehicles Loan
4.29%
49-60 months
▼
APR4.29%
Term49-60 months
Last UpdatedSep 18, 2026
Details
As Low As; Age of Vehicle: 2016- Present
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 4.40%
3048 Eagle Dr, Woodstock, GA, 30189 5531
Used Vehicle Loans
4.29%
37-48 months
▼
APR4.29%
Term37-48 months
Last UpdatedSep 18, 2026
Details
As Low As; *
H.E.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.22%
121 OSIGIAN BLVD, WARNER ROBINS, GA, 31088
New Car Loan
4.35%
72 MONTHS
▼
APR4.35%
Term72 MONTHS
Last UpdatedSep 21, 2026
Details
New car rates apply to 2025 and 2026 vehicles with 15,000 miles or less.
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
200 Alamar St, Fort Oglethorpe, GA, 30742
New Cars & Trucks Loan
4.39%
63 months or less
▼
APR4.39%
Term63 months or less
Last UpdatedSep 16, 2026
Details
Mileage: Within 3 most recent model years and less than 25,000 miles
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 4.40%
3048 Eagle Dr, Woodstock, GA, 30189 5531
Used Vehicle Loans
4.39%
49-60 months
▼
APR4.39%
Term49-60 months
Last UpdatedSep 18, 2026
Details
As Low As; *
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.37%
1237 Clairmont Rd, Decatur, GA, 30030 1229
New Auto 2025 & Newer
4.39%
60 Months
▼
APR4.39%
Interest Rate4.24%
Term60 Months
Last UpdatedSep 18, 2026
Details
As low as
H.E.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.22%
121 OSIGIAN BLVD, WARNER ROBINS, GA, 31088
Used Car Loan
4.45%
72 MONTHS
▼
APR4.45%
Term72 MONTHS
Last UpdatedSep 21, 2026
Details
Used Car Rates 2022-2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
1025 Virginia Ave, Atlanta, GA, 30354 1319
New and Used Other Vehicle Loans
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedSep 18, 2026
Details
Term: 72 months for $20,000 or more on boats, RVs, aircraft and motorcycle loans only
Metro Medical Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
1845 Satellite Blvd, Duluth, GA, 30097
New Auto Loans
4.49%
Up to 36 months
▼
APR4.49%
TermUp to 36 months
Last UpdatedSep 18, 2026
Details
As Low As; *
Metro Medical Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
1845 Satellite Blvd, Duluth, GA, 30097
Used Auto Loans
4.49%
Up to 36 months
▼
APR4.49%
TermUp to 36 months
Last UpdatedSep 18, 2026
Details
As Low As; *
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
104 Town Blvd NE Ste A110, Brookhaven, GA, 30319 3146
New Auto Loan
4.49%
60 months or less
▼
APR4.49%
Term60 months or less
Last UpdatedSep 18, 2026
Details
As Low As; Rate assumes loan to value of 100% or less and term of 60 months or less. Not all borrowers will qualify for the lowest interest rate.
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 4.40%
3048 Eagle Dr, Woodstock, GA, 30189 5531
New Vehicle Loans
4.49%
61-72 months
▼
APR4.49%
Term61-72 months
Last UpdatedSep 18, 2026
Details
As Low As;*
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
2900 Westside Pkwy, Alpharetta, GA, 30004
Autos, Trucks, Vans - New 2025-2027 models <20,000 miles
4.49%
24 mo.
▼
APR4.49%
Term24 mo.
Last UpdatedSep 18, 2026
Details
As Low As; Payment Example: $436.43 (based on $10,000)
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
2900 Westside Pkwy, Alpharetta, GA, 30004
Autos, Trucks, Vans - New 2025-2027 models <20,000 miles
4.49%
36 mo.
▼
APR4.49%
Term36 mo.
Last UpdatedSep 18, 2026
Details
As Low As; Payment Example: $297.42 (based on $10,000)
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
2900 Westside Pkwy, Alpharetta, GA, 30004
Autos, Trucks, Vans - New 2025-2027 models <20,000 miles
4.49%
48 mo.
▼
APR4.49%
Term48 mo.
Last UpdatedSep 18, 2026
Details
As Low As; Payment Example: $227.99 (based on $10,000)
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
2900 Westside Pkwy, Alpharetta, GA, 30004
Autos, Trucks, Vans - New 2025-2027 models <20,000 miles
4.49%
60 mo.
▼
APR4.49%
Term60 mo.
Last UpdatedSep 18, 2026
Details
As Low As; Payment Example: $186.38 (based on $10,000)
H.E.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.22%
121 OSIGIAN BLVD, WARNER ROBINS, GA, 31088
Used Car Loan
4.49%
36 MONTHS
▼
APR4.49%
Term36 MONTHS
Last UpdatedSep 21, 2026
Details
Used Car Rates 2020-2021; As Low As
H.E.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.22%
121 OSIGIAN BLVD, WARNER ROBINS, GA, 31088
Used Car Loan
4.49%
48 MONTHS
▼
APR4.49%
Term48 MONTHS
Last UpdatedSep 21, 2026
Details
Used Car Rates 2020-2021
H.E.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.22%
121 OSIGIAN BLVD, WARNER ROBINS, GA, 31088
Used Car Loan
4.49%
60 MONTHS
▼
APR4.49%
Term60 MONTHS
Last UpdatedSep 21, 2026
Details
Used Car Rates 2020-2021
Lanier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
3718 Mundy Mill Rd, Oakwood, GA, 30566 3417
New Auto - 2024 Year Model (Max 100k miles)
4.49%
2024 Year
▼
APR4.49%
Interest Rate4.49%
Term2024 Year
Last UpdatedSep 21, 2026
Details
Minimum loan amount $40k; New Auto Purchase/Refinance
Lanier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
3718 Mundy Mill Rd, Oakwood, GA, 30566 3417
Used Auto - 2023 to 2021 Year Model (Max 150k miles)
4.49%
2021 Year
▼
APR4.49%
Interest Rate4.49%
Term2021 Year
Last UpdatedSep 21, 2026
Details
Used Auto Purchase/Refinance
Eagle Express Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
5000 Research CT, Johns Creek, GA, 30024
New and Used Vehicles Loan
4.50%
Up to 72 months
▼
APR4.50%
TermUp to 72 months
Last UpdatedSep 20, 2026
Details
Floor Rate; Discounts only apply to auto loans at rates stated below-not to loan rate specials; One 0.50% APR discount will be given for one of the following items when applying for an auto loan: An existing active checking account. An existing active Visa account. When applying online (through Eagle Express Web)
Artesian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.64%
100 Flint Ave, Albany, GA, 31701 2559
Vehicle Loans (Current up to 3 Years Old)
4.50%
3 Years
▼
APR4.50%
Term3 Years
Last UpdatedSep 20, 2026
Details
Published APR range: 4.50% - 14.50%.
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
670 Metropolitan Pkwy SW, Atlanta, GA, 30310
New Vehicles Loan
4.54%
73-84 months
▼
APR4.54%
Term73-84 months
Last UpdatedSep 18, 2026
Details
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
670 Metropolitan Pkwy SW, Atlanta, GA, 30310
Used Vehicles Loan
4.54%
61-72 months
▼
APR4.54%
Term61-72 months
Last UpdatedSep 18, 2026
Details
As Low As; Age of Vehicle: 2016- Present
Southern Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
30 Ivan Allen Jr Blvd NW, Atlanta, GA, 30308
NEW AUTO
4.60%
63 MONTHS
▼
APR4.60%
Term63 MONTHS
Last UpdatedSep 18, 2026
Details
All rates are subject to change without notice. Your actual rate, payment, and costs could be higher. APR (Annual Percentage Rate). A lower credit score may cause a higher loan rate. Your APR is based on credit worthiness, loan amount, current mileage, term of the loan and loan to value.
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.32%
100 Busch Dr NE, Cartersville, GA, 30121 7217
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedSep 18, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
505 Takeda Pkwy, Social Circle, GA, 30025 4723
Auto Loans - 2022 - 2024
4.64%
0 - 36 Months
▼
APR4.64%
Interest Rate4.64%
Term0 - 36 Months
Last UpdatedSep 18, 2026
Details
as low as; Loan Term
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.56%
2040 Ingleside Ave, Macon, GA, 31204
New Automobile - Current Year (Less Than 15,000 miles)
4.65%
Up to 72 Months
▼
APR4.65%
TermUp to 72 Months
Last UpdatedSep 18, 2026
Details
APR range: 4.65% to 13.45%*
Metro Medical Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
1845 Satellite Blvd, Duluth, GA, 30097
New Auto Loans
4.65%
37 - 48 months
▼
APR4.65%
Term37 - 48 months
Last UpdatedSep 18, 2026
Details
As Low As; *
Metro Medical Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
1845 Satellite Blvd, Duluth, GA, 30097
Used Auto Loans
4.65%
37 - 48 months
▼
APR4.65%
Term37 - 48 months
Last UpdatedSep 18, 2026
Details
As Low As; *
Combined Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
593 Russell Pkwy, Warner Robins, GA, 31088
New & Current Model Autos (Under 15,000 Miles)
4.65%
61-72 Months
▼
APR4.65%
Term61-72 Months
Last UpdatedSep 21, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
959 E Confederate Ave SE, Atlanta, GA, 30316
Auto Loan
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedSep 16, 2026
Details
Loan Amount: $2,500+
Justice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
959 E Confederate Ave SE, Atlanta, GA, 30316
Vehicle Loans
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedSep 16, 2026
Details
Metro Medical Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
1845 Satellite Blvd, Duluth, GA, 30097
New Auto Loans
4.69%
49 - 60 months
▼
APR4.69%
Term49 - 60 months
Last UpdatedSep 18, 2026
Details
As Low As; *
Metro Medical Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
1845 Satellite Blvd, Duluth, GA, 30097
Used Auto Loans
4.69%
49 - 60 months
▼
APR4.69%
Term49 - 60 months
Last UpdatedSep 18, 2026
Details
As Low As; *
MembersFirst Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.66%
2476 Lawrenceville Hwy, Decatur, GA, 30033
Auto Loan
4.70%
61 - 72 Months
▼
APR4.70%
Term61 - 72 Months
Last UpdatedSep 18, 2026
Details
As Low As
Workmens Circle Incorporated Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
527 Stephenson Ave, Savannah, GA, 31405 5922
New Vehicle Loan
4.74%
3 Years
▼
APR4.74%
Term3 Years
Last UpdatedSep 18, 2026
Details
Empeople Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
700 Horizon South Pkwy, Grovetown, GA, 30813 3000
60 Month New Auto Loans
4.74%
60 months
▼
APR4.74%
Term60 months
Last UpdatedSep 18, 2026
Details
SRP Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
1007 Broad St, Augusta, GA, 30901
New Vehicle (2024 or Newer) Auto Loan
4.74%
Up to 36 Months
▼
APR4.74%
TermUp to 36 Months
Last UpdatedSep 21, 2026
Details
As low as; *
SRP Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
1007 Broad St, Augusta, GA, 30901
New Vehicle (2024 or Newer) Auto Loan
4.74%
37-48 Months
▼
APR4.74%
Term37-48 Months
Last UpdatedSep 21, 2026
Details
As low as; *
SRP Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
1007 Broad St, Augusta, GA, 30901
New Vehicle (2024 or Newer) Auto Loan
4.74%
49-60 Months
▼
APR4.74%
Term49-60 Months
Last UpdatedSep 21, 2026
Details
As low as; *
P&S Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.19%
1845 Satellite Blvd, Duluth, GA, 30097
New Truck & Auto Loans (2026 and Untitled 2025 Vehicles)
4.75%
13 to 48 Months
▼
APR4.75%
Term13 to 48 Months
Last UpdatedSep 18, 2026
Details
As Low As; Fixed
P&S Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.19%
1845 Satellite Blvd, Duluth, GA, 30097
Used Truck & Auto Loans (2018 to 2025 Previously Titled Vehicles)
4.75%
Up to 48 Months
▼
APR4.75%
TermUp to 48 Months
Last UpdatedSep 18, 2026
Details
As Low As; Fixed
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
430 Lanier Ave E, Fayetteville, GA, 30214
New Auto (Model Year 2025 or newer)
4.75%
84 Months
▼
APR4.75%
Term84 Months
Last UpdatedSep 18, 2026
Details
Tesla financing requires 20% equity; 100% MSRP for most based on credit worthiness.
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
430 Lanier Ave E, Fayetteville, GA, 30214
Used Auto (Model Year 2016 or newer)
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedSep 18, 2026
Details
Tesla financing requires 20% equity; 100% of Retail Value for most based on credit worthiness.
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
4770 Buford Hwy, Chamblee, GA, 30341
New Auto
4.75%
0-24 Months
▼
APR4.75%
Interest Rate3.75%
Term0-24 Months
Last UpdatedSep 18, 2026
Details
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
4770 Buford Hwy, Chamblee, GA, 30341
New Auto
4.75%
25-48 Months
▼
APR4.75%
Interest Rate3.75%
Term25-48 Months
Last UpdatedSep 18, 2026
Details
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
4770 Buford Hwy, Chamblee, GA, 30341
New Auto
4.75%
49-60 Months
▼
APR4.75%
Interest Rate3.75%
Term49-60 Months
Last UpdatedSep 18, 2026
Details
Copper Basin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
85 Orvin Lance Dr, Blue Ridge, GA, 30513
New & Used Vehicles
4.75%
36 Months
▼
APR4.75%
Interest Rate4.75%
Term36 Months
Last UpdatedSep 21, 2026
Details
As Low As; Rates as of 4/2/2026. New & Used Vehicles 2026 - 2021
Lanier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
3718 Mundy Mill Rd, Oakwood, GA, 30566 3417
Used Auto - 2023 to 2021 Year Model (Max 150k miles)
4.75%
2021 Year
▼
APR4.75%
Interest Rate4.75%
Term2021 Year
Last UpdatedSep 21, 2026
Details
Used Auto Purchase/Refinance
Associated Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
6251 Crooked Creek Rd, Norcross, GA, 30092 3107
Vehicle Loan
4.75%
Up to 75 Months
▼
APR4.75%
TermUp to 75 Months
Last UpdatedSep 21, 2026
Details
Published APR range: 4.75% - 15.75%. Model Year(s): 2023 - 2022 NADA Retail
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
670 Metropolitan Pkwy SW, Atlanta, GA, 30310
Used Vehicles Loan
4.79%
73-84 months
▼
APR4.79%
Term73-84 months
Last UpdatedSep 18, 2026
Details
As Low As; Age of Vehicle: 2016- Present
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 4.40%
3048 Eagle Dr, Woodstock, GA, 30189 5531
Used Vehicle Loans
4.79%
61-72 months
▼
APR4.79%
Term61-72 months
Last UpdatedSep 18, 2026
Details
As Low As; *
H.E.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.22%
121 OSIGIAN BLVD, WARNER ROBINS, GA, 31088
Used Car Loan
4.85%
72 MONTHS
▼
APR4.85%
Term72 MONTHS
Last UpdatedSep 21, 2026
Details
Used Car Rates 2020-2021
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.37%
1237 Clairmont Rd, Decatur, GA, 30030 1229
New Auto 2025 & Newer
4.87%
72 Months
▼
APR4.87%
Interest Rate4.74%
Term72 Months
Last UpdatedSep 18, 2026
Details
As low as
Justice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
959 E Confederate Ave SE, Atlanta, GA, 30316
Auto Loan
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedSep 16, 2026
Details
Loan Amount: $2,500+
Justice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
959 E Confederate Ave SE, Atlanta, GA, 30316
Vehicle Loans
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedSep 16, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
200 Alamar St, Fort Oglethorpe, GA, 30742
New Cars & Trucks Loan
4.89%
64 - 75 months
▼
APR4.89%
Term64 - 75 months
Last UpdatedSep 16, 2026
Details
Mileage: Within 3 most recent model years and less than 25,000 miles
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
4770 Buford Hwy, Chamblee, GA, 30341
Used Auto
4.95%
0-24 Months
▼
APR4.95%
Interest Rate3.95%
Term0-24 Months
Last UpdatedSep 18, 2026
Details
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
4770 Buford Hwy, Chamblee, GA, 30341
Used Auto
4.95%
25-48 Months
▼
APR4.95%
Interest Rate3.95%
Term25-48 Months
Last UpdatedSep 18, 2026
Details
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
4770 Buford Hwy, Chamblee, GA, 30341
Used Auto
4.95%
49-60 Months
▼
APR4.95%
Interest Rate3.95%
Term49-60 Months
Last UpdatedSep 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.32%
100 Busch Dr NE, Cartersville, GA, 30121 7217
Used Auto
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedSep 18, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
1025 Virginia Ave, Atlanta, GA, 30354 1319
New and Used Other Vehicle Loans
4.99%
84 months
▼
APR4.99%
Term84 months
Last UpdatedSep 18, 2026
Details
Term: 84 months for $30,000 or more on boats, RVs, aircraft and motorcycle loans only
P&S Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.19%
1845 Satellite Blvd, Duluth, GA, 30097
New Truck & Auto Loans (2026 and Untitled 2025 Vehicles)
4.99%
49 to 60 Months
▼
APR4.99%
Term49 to 60 Months
Last UpdatedSep 18, 2026
Details
As Low As; Fixed
P&S Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.19%
1845 Satellite Blvd, Duluth, GA, 30097
New Truck & Auto Loans (2026 and Untitled 2025 Vehicles)
4.99%
61 to 72 Months
▼
APR4.99%
Term61 to 72 Months
Last UpdatedSep 18, 2026
Details
As Low As; Fixed
P&S Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.19%
1845 Satellite Blvd, Duluth, GA, 30097
Used Truck & Auto Loans (2018 to 2025 Previously Titled Vehicles)
4.99%
Up to 60 Months
▼
APR4.99%
TermUp to 60 Months
Last UpdatedSep 18, 2026
Details
As Low As; Fixed
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
1830 Norman Dr Ste B, Valdosta, GA, 31601 8448
New Auto Loan
4.99%
48 months or less
▼
APR4.99%
Interest Rate4.99%
Term48 months or less
Last UpdatedSep 18, 2026
Details
As low as
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 4.40%
3048 Eagle Dr, Woodstock, GA, 30189 5531
New Vehicle Loans
4.99%
73-84 months
▼
APR4.99%
Term73-84 months
Last UpdatedSep 18, 2026
Details
As Low As;*
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
2900 Westside Pkwy, Alpharetta, GA, 30004
Autos, Trucks, Vans - New 2025-2027 models <20,000 miles
4.99%
72 mo.
▼
APR4.99%
Term72 mo.
Last UpdatedSep 18, 2026
Details
As Low As; Payment Example: $322.01 (based on $20,000)
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
2900 Westside Pkwy, Alpharetta, GA, 30004
Autos, Trucks, Vans - Used 2020-2024 models
4.99%
24 mo.
▼
APR4.99%
Term24 mo.
Last UpdatedSep 18, 2026
Details
As Low As; Payment Example: $438.67 (based on $10,000)
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
2900 Westside Pkwy, Alpharetta, GA, 30004
Autos, Trucks, Vans - Used 2020-2024 models
4.99%
36 mo.
▼
APR4.99%
Term36 mo.
Last UpdatedSep 18, 2026
Details
As Low As; Payment Example: $299.66 (based on $10,000)
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
2900 Westside Pkwy, Alpharetta, GA, 30004
Autos, Trucks, Vans - Used 2020-2024 models
4.99%
48 mo.
▼
APR4.99%
Term48 mo.
Last UpdatedSep 18, 2026
Details
As Low As; Payment Example: $230.25 (based on $10,000)
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
2900 Westside Pkwy, Alpharetta, GA, 30004
Autos, Trucks, Vans - Used 2020-2024 models
4.99%
60 mo.
▼
APR4.99%
Term60 mo.
Last UpdatedSep 18, 2026
Details
As Low As; Payment Example: $188.67 (based on $10,000)
Eagle Express Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
5000 Research CT, Johns Creek, GA, 30024
New and Used Vehicles Loan
4.99%
Up to 72 months
▼
APR4.99%
TermUp to 72 months
Last UpdatedSep 20, 2026
Details
Category A (690+); As Low As; Rate is as stated below, no discounts will apply; Effective 4-23-2025; All rates are based on Equifax beacon score. All rates are based on credit category and loan term. All rates are expressed as Annual Percentage Rate (APR). All rates are subject to change without prior notice. Rates fluctuate based upon the current Wall Street Journal Prime Rate.
Lanier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
3718 Mundy Mill Rd, Oakwood, GA, 30566 3417
New Auto - 2024 Year Model (Max 100k miles)
4.99%
2024 Year
▼
APR4.99%
Interest Rate4.99%
Term2024 Year
Last UpdatedSep 21, 2026
Details
Minimum loan amount $40k; New Auto Purchase/Refinance
Southern Pine Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
5495 Clyattville Lake Park Rd, Valdosta, GA, 31601 0871
New Auto (Never Been Titled) Loan
5.00%
Up to 72 months
▼
APR5.00%
TermUp to 72 months
Last UpdatedSep 18, 2026
Details
Up to 84 months with loan amount > $25,000
Interstate Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
705 W Cherry St, Jesup, GA, 31545
Auto Loan
5.00%
36 months
▼
APR5.00%
Term36 months
Last UpdatedSep 18, 2026
Details
Model Year: 2021 - 2016
Artesian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.64%
100 Flint Ave, Albany, GA, 31701 2559
Vehicle Loans (Current up to 3 Years Old)
5.00%
3 Years
▼
APR5.00%
Term3 Years
Last UpdatedSep 20, 2026
Details
Published APR range: 5.00% - 15.00%.
Copper Basin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
85 Orvin Lance Dr, Blue Ridge, GA, 30513
New & Used Vehicles
5.00%
48 Months
▼
APR5.00%
Interest Rate5.00%
Term48 Months
Last UpdatedSep 21, 2026
Details
As Low As; Rates as of 4/2/2026. New & Used Vehicles 2026 - 2021
Combined Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
593 Russell Pkwy, Warner Robins, GA, 31088
New & Current Model Autos (Under 15,000 Miles)
5.00%
61-66 Months
▼
APR5.00%
Term61-66 Months
Last UpdatedSep 21, 2026
Details
As low as
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.32%
100 Busch Dr NE, Cartersville, GA, 30121 7217
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedSep 18, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
505 Takeda Pkwy, Social Circle, GA, 30025 4723
Auto Loans - 2022 - 2024
5.14%
37 - 75 Months
▼
APR5.14%
Interest Rate5.14%
Term37 - 75 Months
Last UpdatedSep 18, 2026
Details
as low as; Loan Term
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
505 Takeda Pkwy, Social Circle, GA, 30025 4723
Auto Loans - 2025 & Newer
5.14%
76 - 84 Months
▼
APR5.14%
Interest Rate5.14%
Term76 - 84 Months
Last UpdatedSep 18, 2026
Details
as low as; Loan Term; **76-84 month term available for model years 2025 and newer only.
Justice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
959 E Confederate Ave SE, Atlanta, GA, 30316
Auto Loan
5.19%
36 months
▼
APR5.19%
Term36 months
Last UpdatedSep 16, 2026
Details
Loan Amount: $2,500+
Justice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
959 E Confederate Ave SE, Atlanta, GA, 30316
Auto Loan
5.19%
48 months
▼
APR5.19%
Term48 months
Last UpdatedSep 16, 2026
Details
Loan Amount: $2,500+
Justice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
959 E Confederate Ave SE, Atlanta, GA, 30316
Vehicle Loans
5.19%
48 months
▼
APR5.19%
Term48 months
Last UpdatedSep 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
1025 Virginia Ave, Atlanta, GA, 30354 1319
New and Used Other Vehicle Loans
5.19%
120 months
▼
APR5.19%
Term120 months
Last UpdatedSep 18, 2026
Details
Term: 120 months for $50,000 or more on boats, RVs and aircraft loans only
Metro Medical Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
1845 Satellite Blvd, Duluth, GA, 30097
New Auto Loans
5.19%
61 - 72 months
▼
APR5.19%
Term61 - 72 months
Last UpdatedSep 18, 2026
Details
As Low As; *
Metro Medical Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
1845 Satellite Blvd, Duluth, GA, 30097
Used Auto Loans
5.19%
61 - 72 months
▼
APR5.19%
Term61 - 72 months
Last UpdatedSep 18, 2026
Details
As Low As; *
SouthState Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
1851 N Elm St, Commerce, GA, 30529
New Cars Loan
5.23%
72 months
▼
APR5.23%
Term72 months
Last UpdatedSep 15, 2026
Details
As Low As; Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle.
Workmens Circle Incorporated Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
527 Stephenson Ave, Savannah, GA, 31405 5922
New Vehicle Loan
5.24%
4 Years
▼
APR5.24%
Term4 Years
Last UpdatedSep 18, 2026
Details
Workmens Circle Incorporated Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
527 Stephenson Ave, Savannah, GA, 31405 5922
Used Vehicle Loan
5.24%
2 Years
▼
APR5.24%
Term2 Years
Last UpdatedSep 18, 2026
Details
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
1830 Norman Dr Ste B, Valdosta, GA, 31601 8448
New Auto Loan
5.24%
60 months
▼
APR5.24%
Interest Rate5.24%
Term60 months
Last UpdatedSep 18, 2026
Details
As low as
SRP Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
1007 Broad St, Augusta, GA, 30901
New Vehicle (2024 or Newer) Auto Loan
5.24%
61-72 Months
▼
APR5.24%
Term61-72 Months
Last UpdatedSep 21, 2026
Details
As low as; *
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.56%
2040 Ingleside Ave, Macon, GA, 31204
Used Automobile Current Year+
5.25%
Up to 36 Months
▼
APR5.25%
TermUp to 36 Months
Last UpdatedSep 18, 2026
Details
APR range: 5.25% to 17.05%*
Combined Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
593 Russell Pkwy, Warner Robins, GA, 31088
New & Current Model Autos (Under 15,000 Miles)
5.25%
67-72 Months
▼
APR5.25%
Term67-72 Months
Last UpdatedSep 21, 2026
Details
As low as
Valdosta Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
102 E Force St, Valdosta, GA, 31601 3904
New Vehicles, Motorcycles, Tractors, Boats, ATVs, Horse Trailers
5.25%
Up to 60 months
▼
APR5.25%
Interest Rate5.25%
TermUp to 60 months
Last UpdatedSep 21, 2026
Details
Published rate range: 5.25%-18.00%. Current + prior year less than 20,000 miles*
SRP Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
1007 Broad St, Augusta, GA, 30901
Used (2020-2023 Model) Auto Loan
5.29%
Up to 36 Months
▼
APR5.29%
TermUp to 36 Months
Last UpdatedSep 21, 2026
Details
As low as; *
SRP Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
1007 Broad St, Augusta, GA, 30901
Used (2020-2023 Model) Auto Loan
5.29%
2023 Mo
▼
APR5.29%
Term2023 Mo
Last UpdatedSep 21, 2026
Details
As low as; *
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.37%
1237 Clairmont Rd, Decatur, GA, 30030 1229
New Auto 2025 & Newer
5.35%
84 Months
▼
APR5.35%
Interest Rate5.24%
Term84 Months
Last UpdatedSep 18, 2026
Details
As low as
H.E.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.22%
121 OSIGIAN BLVD, WARNER ROBINS, GA, 31088
Used Car Loan (2019)
5.35%
36 months
▼
APR5.35%
Term36 months
Last UpdatedSep 21, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
959 E Confederate Ave SE, Atlanta, GA, 30316
Auto Loan
5.39%
60 months
▼
APR5.39%
Term60 months
Last UpdatedSep 16, 2026
Details
Loan Amount: $5,000+
Justice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
959 E Confederate Ave SE, Atlanta, GA, 30316
Vehicle Loans
5.39%
60 months
▼
APR5.39%
Term60 months
Last UpdatedSep 16, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
200 Alamar St, Fort Oglethorpe, GA, 30742
Used Cars & Trucks Loan
5.39%
63 months or less
▼
APR5.39%
Term63 months or less
Last UpdatedSep 16, 2026
Details
Mileage: 25,000 - 99,999 miles
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
1025 Virginia Ave, Atlanta, GA, 30354 1319
New and Used Other Vehicle Loans
5.39%
180 months
▼
APR5.39%
Term180 months
Last UpdatedSep 18, 2026
Details
Term: 180 months for $75,000 or more on boats, RVs and aircraft loans only
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
402 Washington St Se, Gainesville, GA, 30501
New car (dealer) Loan
5.39%
60 months
▼
APR5.39%
Term60 months
Last UpdatedSep 18, 2026
Details
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
P&S Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.19%
1845 Satellite Blvd, Duluth, GA, 30097
Used Truck & Auto Loans (2018 to 2025 Previously Titled Vehicles)
5.40%
61 to 72 Months
▼
APR5.40%
Term61 to 72 Months
Last UpdatedSep 18, 2026
Details
As Low As; Fixed
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.56%
2040 Ingleside Ave, Macon, GA, 31204
Used Automobile Current Year+
5.40%
Up to 48 Months
▼
APR5.40%
TermUp to 48 Months
Last UpdatedSep 18, 2026
Details
APR range: 5.40% to 17.10%*
MembersFirst Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.66%
2476 Lawrenceville Hwy, Decatur, GA, 30033
Auto Loan
5.40%
73 - 84 Months
▼
APR5.40%
Term73 - 84 Months
Last UpdatedSep 18, 2026
Details
As Low As
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 4.40%
3048 Eagle Dr, Woodstock, GA, 30189 5531
Used Vehicle Loans
5.44%
73-84 months
▼
APR5.44%
Term73-84 months
Last UpdatedSep 18, 2026
Details
As Low As; *
H.E.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.22%
121 OSIGIAN BLVD, WARNER ROBINS, GA, 31088
Used Car Loan
5.45%
48 MONTHS
▼
APR5.45%
Term48 MONTHS
Last UpdatedSep 21, 2026
Details
Used Car Rates 2019
Justice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
959 E Confederate Ave SE, Atlanta, GA, 30316
Auto Loan
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedSep 16, 2026
Details
Loan Amount: $2,500+
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.32%
100 Busch Dr NE, Cartersville, GA, 30121 7217
Used Auto
5.49%
Up to 75 Months
▼
APR5.49%
TermUp to 75 Months
Last UpdatedSep 18, 2026
Details
Genuine Parts Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
5420 Peachtree Industrial Blvd, Norcross, GA, 30071
New Vehicles Loan
5.49%
up to 60 months
▼
APR5.49%
Termup to 60 months
Last UpdatedSep 18, 2026
Details
Base Rate; Vehicles 2024-2025 never titled
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
1830 Norman Dr Ste B, Valdosta, GA, 31601 8448
Auto Loan
5.49%
48 months or less
▼
APR5.49%
Term48 months or less
Last UpdatedSep 18, 2026
Details
GA; As Low As
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
1830 Norman Dr Ste B, Valdosta, GA, 31601 8448
New Auto Loan
5.49%
66 months
▼
APR5.49%
Interest Rate5.49%
Term66 months
Last UpdatedSep 18, 2026
Details
As low as
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
1830 Norman Dr Ste B, Valdosta, GA, 31601 8448
Used Auto Loan
5.49%
48 months or less
▼
APR5.49%
Interest Rate5.49%
Term48 months or less
Last UpdatedSep 18, 2026
Details
As low as
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
2900 Westside Pkwy, Alpharetta, GA, 30004
Autos, Trucks, Vans - Used 2020-2024 models
5.49%
72 mo.
▼
APR5.49%
Term72 mo.
Last UpdatedSep 18, 2026
Details
As Low As; Payment Example: $326.66 (based on $20,000)
Members Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
100 Greenwood Industrial Pkwy, McDonough, GA, 30253
New Auto
5.49%
63 months
▼
APR5.49%
Term63 months
Last UpdatedSep 21, 2026
Details
Bond Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.50%
433 Moreland Ave NE, Atlanta, GA, 30307 1562
New Vehicles Loan
5.49%
36 months
▼
APR5.49%
Term36 months
Last UpdatedSep 21, 2026
Details
Term: 36, 60, 72 or 84 Months. According To Vehicle Value; Fixed Rate
Interstate Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
705 W Cherry St, Jesup, GA, 31545
Auto Loan
5.50%
48 months
▼
APR5.50%
Term48 months
Last UpdatedSep 18, 2026
Details
Model Year: 2021 - 2016
Copper Basin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
85 Orvin Lance Dr, Blue Ridge, GA, 30513
New & Used Vehicles
5.50%
60 Months
▼
APR5.50%
Interest Rate5.50%
Term60 Months
Last UpdatedSep 21, 2026
Details
As Low As; Rates as of 4/2/2026. New & Used Vehicles 2026 - 2021
Associated Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
6251 Crooked Creek Rd, Norcross, GA, 30092 3107
Vehicle Loan
5.50%
Up to 66 Months
▼
APR5.50%
TermUp to 66 Months
Last UpdatedSep 21, 2026
Details
Published APR range: 5.50% - 16.25%. Model Year(s): 2021 - 2019 NADA Retail
Combined Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
593 Russell Pkwy, Warner Robins, GA, 31088
New & Current Model Autos (Under 15,000 Miles)
5.50%
73-84 Months
▼
APR5.50%
Term73-84 Months
Last UpdatedSep 21, 2026
Details
As low as
H.E.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.22%
121 OSIGIAN BLVD, WARNER ROBINS, GA, 31088
Used Car Loan
5.55%
60 MONTHS
▼
APR5.55%
Term60 MONTHS
Last UpdatedSep 21, 2026
Details
Used Car Rates 2019
Members Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
100 Greenwood Industrial Pkwy, McDonough, GA, 30253
Used Auto
5.55%
63 months
▼
APR5.55%
Term63 months
Last UpdatedSep 21, 2026
Details
Model years 2022-2026
Justice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
959 E Confederate Ave SE, Atlanta, GA, 30316
Auto Loan
5.59%
60 months
▼
APR5.59%
Term60 months
Last UpdatedSep 16, 2026
Details
Loan Amount: $5,000+
Justice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
959 E Confederate Ave SE, Atlanta, GA, 30316
Auto Loan
5.59%
72 months
▼
APR5.59%
Term72 months
Last UpdatedSep 16, 2026
Details
Loan Amount: $15,000+
Justice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
959 E Confederate Ave SE, Atlanta, GA, 30316
Vehicle Loans
5.59%
72 months
▼
APR5.59%
Term72 months
Last UpdatedSep 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
1025 Virginia Ave, Atlanta, GA, 30354 1319
New and Used Other Vehicle Loans
5.59%
240 months
▼
APR5.59%
Term240 months
Last UpdatedSep 18, 2026
Details
Term: 240 months for $100,000 or more on boats, RVs and aircraft loans only
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
402 Washington St Se, Gainesville, GA, 30501
Used car (dealer) Loan
5.59%
60 months
▼
APR5.59%
Term60 months
Last UpdatedSep 18, 2026
Details
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.56%
2040 Ingleside Ave, Macon, GA, 31204
New Automobile - Current Year (Less Than 15,000 miles)
5.65%
Up to 84 Months
▼
APR5.65%
TermUp to 84 Months
Last UpdatedSep 18, 2026
Details
APR range: 5.65% to 17.20%*
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.56%
2040 Ingleside Ave, Macon, GA, 31204
Used Automobile Current Year+
5.65%
Up to 60 Months
▼
APR5.65%
TermUp to 60 Months
Last UpdatedSep 18, 2026
Details
APR range: 5.65% to 17.20%*
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
4770 Buford Hwy, Chamblee, GA, 30341
New Auto
5.65%
61-72 Months
▼
APR5.65%
Interest Rate4.65%
Term61-72 Months
Last UpdatedSep 18, 2026
Details
Combined Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
593 Russell Pkwy, Warner Robins, GA, 31088
New & Current Model Autos (Under 15,000 Miles)
5.65%
73-84 Months
▼
APR5.65%
Term73-84 Months
Last UpdatedSep 21, 2026
Details
As Low As
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
200 Alamar St, Fort Oglethorpe, GA, 30742
New Cars & Trucks Loan
5.69%
76 - 84 months
▼
APR5.69%
Term76 - 84 months
Last UpdatedSep 16, 2026
Details
Mileage: Within 3 most recent model years and less than 25,000 miles (invoice or NADA retail value over $12,500)
SouthState Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
1851 N Elm St, Commerce, GA, 30529
New Cars Loan
5.70%
84 months
▼
APR5.70%
Term84 months
Last UpdatedSep 15, 2026
Details
As Low As; Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle.
Workmens Circle Incorporated Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
527 Stephenson Ave, Savannah, GA, 31405 5922
New Vehicle Loan
5.74%
5 Years
▼
APR5.74%
Term5 Years
Last UpdatedSep 18, 2026
Details
Workmens Circle Incorporated Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
527 Stephenson Ave, Savannah, GA, 31405 5922
Used Vehicle Loan
5.74%
3 Years
▼
APR5.74%
Term3 Years
Last UpdatedSep 18, 2026
Details
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
1830 Norman Dr Ste B, Valdosta, GA, 31601 8448
Auto Loan
5.74%
60 months
▼
APR5.74%
Term60 months
Last UpdatedSep 18, 2026
Details
GA; As Low As
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
1830 Norman Dr Ste B, Valdosta, GA, 31601 8448
Auto Loan
5.74%
48 months or less
▼
APR5.74%
Term48 months or less
Last UpdatedSep 18, 2026
Details
Bay
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
1830 Norman Dr Ste B, Valdosta, GA, 31601 8448
Auto Loan
5.74%
66 months
▼
APR5.74%
Term66 months
Last UpdatedSep 18, 2026
Details
Bay
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
1830 Norman Dr Ste B, Valdosta, GA, 31601 8448
Auto Loan
5.74%
72 months
▼
APR5.74%
Term72 months
Last UpdatedSep 18, 2026
Details
Bay
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
1830 Norman Dr Ste B, Valdosta, GA, 31601 8448
New Auto Loan
5.74%
72 months
▼
APR5.74%
Interest Rate5.74%
Term72 months
Last UpdatedSep 18, 2026
Details
As low as
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
1830 Norman Dr Ste B, Valdosta, GA, 31601 8448
Used Auto Loan
5.74%
60 months
▼
APR5.74%
Interest Rate5.74%
Term60 months
Last UpdatedSep 18, 2026
Details
As low as
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
430 Lanier Ave E, Fayetteville, GA, 30214
Used Auto (Model Year 2016 or newer)
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedSep 18, 2026
Details
Tesla financing requires 20% equity; 100% of Retail Value for most based on credit worthiness.
Artesian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.64%
100 Flint Ave, Albany, GA, 31701 2559
Vehicle Loans (4 Years or Older)
5.75%
4 Years
▼
APR5.75%
Term4 Years
Last UpdatedSep 20, 2026
Details
Published APR range: 5.75% - 15.75%.
Members Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
100 Greenwood Industrial Pkwy, McDonough, GA, 30253
New Auto
5.75%
75 months
▼
APR5.75%
Term75 months
Last UpdatedSep 21, 2026
Details
Minimum Loan $15,000.00
Copper Basin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
85 Orvin Lance Dr, Blue Ridge, GA, 30513
Used Vehicles
5.75%
36 Months
▼
APR5.75%
Interest Rate5.75%
Term36 Months
Last UpdatedSep 21, 2026
Details
As Low As; Rates as of 4/2/2026. Used Vehicles 2024 - 2021. Limited to 72 months
Valdosta Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
102 E Force St, Valdosta, GA, 31601 3904
New Vehicles, Motorcycles, Tractors, Boats, ATVs, Horse Trailers
5.75%
Up to 72 months
▼
APR5.75%
Interest Rate5.75%
TermUp to 72 months
Last UpdatedSep 21, 2026
Details
Published rate range: 5.75%-13.25%. Current + prior year less than 20,000 miles*
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
4770 Buford Hwy, Chamblee, GA, 30341
Used Auto
5.85%
61-72 Months
▼
APR5.85%
Interest Rate4.85%
Term61-72 Months
Last UpdatedSep 18, 2026
Details
Powered by
MonitorBankRates
Georgia New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
P&S Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.19%
1845 Satellite Blvd, Duluth, GA, 30097
New Truck & Auto Loans (2026 and Untitled 2025 Vehicles)
2.49%
Up to 12 Months
▼
APR2.49%
TermUp to 12 Months
Last UpdatedSep 18, 2026
Details
As Low As; Fixed
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
670 Metropolitan Pkwy SW, Atlanta, GA, 30310
New Vehicles Loan
3.49%
12-24 months
▼
APR3.49%
Term12-24 months
Last UpdatedSep 18, 2026
Details
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 4.40%
3048 Eagle Dr, Woodstock, GA, 30189 5531
New Vehicle Loans
3.49%
0-36 months
▼
APR3.49%
Term0-36 months
Last UpdatedSep 18, 2026
Details
As Low As;*
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
430 Lanier Ave E, Fayetteville, GA, 30214
New Auto (Model Year 2025 or newer)
3.50%
24 Months+
▼
APR3.50%
Term24 Months+
Last UpdatedSep 18, 2026
Details
Tesla financing requires 20% equity; 100% MSRP for most based on credit worthiness.
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
430 Lanier Ave E, Fayetteville, GA, 30214
New Auto (Model Year 2025 or newer)
3.50%
36 Months^
▼
APR3.50%
Term36 Months^
Last UpdatedSep 18, 2026
Details
Tesla financing requires 20% equity; 100% MSRP for most based on credit worthiness.
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
430 Lanier Ave E, Fayetteville, GA, 30214
New Auto (Model Year 2025 or newer)
3.50%
48 Months~
▼
APR3.50%
Term48 Months~
Last UpdatedSep 18, 2026
Details
Tesla financing requires 20% equity; 100% MSRP for most based on credit worthiness.
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
505 Takeda Pkwy, Social Circle, GA, 30025 4723
Auto Loans - 2025 & Newer
3.64%
0 - 36 Months
▼
APR3.64%
Interest Rate3.64%
Term0 - 36 Months
Last UpdatedSep 18, 2026
Details
as low as; Loan Term
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.56%
2040 Ingleside Ave, Macon, GA, 31204
New Automobile - Current Year (Less Than 15,000 miles)
3.75%
Up to 36 Months
▼
APR3.75%
TermUp to 36 Months
Last UpdatedSep 18, 2026
Details
APR range: 3.75% to 16.45%*
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.56%
2040 Ingleside Ave, Macon, GA, 31204
New Automobile - Current Year (Less Than 15,000 miles)
3.75%
Up to 48 Months
▼
APR3.75%
TermUp to 48 Months
Last UpdatedSep 18, 2026
Details
APR range: 3.75% to 16.95%*
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.56%
2040 Ingleside Ave, Macon, GA, 31204
New Automobile - Current Year (Less Than 15,000 miles)
3.75%
Up to 60 Months
▼
APR3.75%
TermUp to 60 Months
Last UpdatedSep 18, 2026
Details
APR range: 3.75% to 17.20%*
H.E.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.22%
121 OSIGIAN BLVD, WARNER ROBINS, GA, 31088
New Car Loan
3.75%
36 MONTHS
▼
APR3.75%
Term36 MONTHS
Last UpdatedSep 21, 2026
Details
As Low As; New car rates apply to 2025 and 2026 vehicles with 15,000 miles or less.
H.E.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.22%
121 OSIGIAN BLVD, WARNER ROBINS, GA, 31088
New Car Loan
3.75%
48 MONTHS
▼
APR3.75%
Term48 MONTHS
Last UpdatedSep 21, 2026
Details
New car rates apply to 2025 and 2026 vehicles with 15,000 miles or less.
H.E.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.22%
121 OSIGIAN BLVD, WARNER ROBINS, GA, 31088
New Car Loan
3.75%
60 MONTHS
▼
APR3.75%
Term60 MONTHS
Last UpdatedSep 21, 2026
Details
New car rates apply to 2025 and 2026 vehicles with 15,000 miles or less.
Lanier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
3718 Mundy Mill Rd, Oakwood, GA, 30566 3417
New Auto - 2024 Year Model (Max 100k miles)
3.75%
36 months or less
▼
APR3.75%
Interest Rate3.75%
Term36 months or less
Last UpdatedSep 21, 2026
Details
Minimum loan amount $40k; New Auto Purchase/Refinance
Combined Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
593 Russell Pkwy, Warner Robins, GA, 31088
New & Current Model Autos (Under 15,000 Miles)
3.75%
Up to 60 Months
▼
APR3.75%
TermUp to 60 Months
Last UpdatedSep 21, 2026
Details
As Low As
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 4.40%
3048 Eagle Dr, Woodstock, GA, 30189 5531
New Vehicle Loans
3.79%
37-48 months
▼
APR3.79%
Term37-48 months
Last UpdatedSep 18, 2026
Details
As Low As;*
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
1025 Virginia Ave, Atlanta, GA, 30354 1319
New and Used Other Vehicle Loans
3.99%
Up to 12 months
▼
APR3.99%
TermUp to 12 months
Last UpdatedSep 18, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
1025 Virginia Ave, Atlanta, GA, 30354 1319
New and Used Other Vehicle Loans
3.99%
24 months
▼
APR3.99%
Term24 months
Last UpdatedSep 18, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
1025 Virginia Ave, Atlanta, GA, 30354 1319
New and Used Other Vehicle Loans
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedSep 18, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
1025 Virginia Ave, Atlanta, GA, 30354 1319
New and Used Other Vehicle Loans
3.99%
48 months
▼
APR3.99%
Term48 months
Last UpdatedSep 18, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
1025 Virginia Ave, Atlanta, GA, 30354 1319
New and Used Other Vehicle Loans
3.99%
60 months
▼
APR3.99%
Term60 months
Last UpdatedSep 18, 2026
Details
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
670 Metropolitan Pkwy SW, Atlanta, GA, 30310
New Vehicles Loan
3.99%
25-36 months
▼
APR3.99%
Term25-36 months
Last UpdatedSep 18, 2026
Details
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
670 Metropolitan Pkwy SW, Atlanta, GA, 30310
New Vehicles Loan
3.99%
37-48 months
▼
APR3.99%
Term37-48 months
Last UpdatedSep 18, 2026
Details
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
670 Metropolitan Pkwy SW, Atlanta, GA, 30310
New Vehicles Loan
3.99%
49-60 months
▼
APR3.99%
Term49-60 months
Last UpdatedSep 18, 2026
Details
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 4.40%
3048 Eagle Dr, Woodstock, GA, 30189 5531
New Vehicle Loans
3.99%
49-60 months
▼
APR3.99%
Term49-60 months
Last UpdatedSep 18, 2026
Details
As Low As;*
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.37%
1237 Clairmont Rd, Decatur, GA, 30030 1229
New Auto 2025 & Newer
3.99%
36 Months
▼
APR3.99%
Interest Rate3.74%
Term36 Months
Last UpdatedSep 18, 2026
Details
As low as
Lanier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
3718 Mundy Mill Rd, Oakwood, GA, 30566 3417
New Auto - 2024 Year Model (Max 100k miles)
3.99%
2024 Year
▼
APR3.99%
Interest Rate3.99%
Term2024 Year
Last UpdatedSep 21, 2026
Details
Minimum loan amount $40k; New Auto Purchase/Refinance
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
430 Lanier Ave E, Fayetteville, GA, 30214
New Auto (Model Year 2025 or newer)
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedSep 18, 2026
Details
Tesla financing requires 20% equity; 100% MSRP for most based on credit worthiness.
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
430 Lanier Ave E, Fayetteville, GA, 30214
Used Auto (Model Year 2016 or newer)
4.00%
48 Months~
▼
APR4.00%
Term48 Months~
Last UpdatedSep 18, 2026
Details
Tesla financing requires 20% equity; 100% of Retail Value for most based on credit worthiness.
Combined Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
593 Russell Pkwy, Warner Robins, GA, 31088
New & Current Model Autos (Under 15,000 Miles)
4.00%
Up to 60 Months
▼
APR4.00%
TermUp to 60 Months
Last UpdatedSep 21, 2026
Details
As low as
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
505 Takeda Pkwy, Social Circle, GA, 30025 4723
Auto Loans - 2025 & Newer
4.14%
37 - 75 Months
▼
APR4.14%
Interest Rate4.14%
Term37 - 75 Months
Last UpdatedSep 18, 2026
Details
as low as; Loan Term
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.37%
1237 Clairmont Rd, Decatur, GA, 30030 1229
New Auto 2025 & Newer
4.18%
48 Months
▼
APR4.18%
Interest Rate3.99%
Term48 Months
Last UpdatedSep 18, 2026
Details
As low as
Workmens Circle Incorporated Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
527 Stephenson Ave, Savannah, GA, 31405 5922
New Vehicle Loan
4.24%
2 Years
▼
APR4.24%
Term2 Years
Last UpdatedSep 18, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.56%
2040 Ingleside Ave, Macon, GA, 31204
New Automobile - Current Year (Less Than 15,000 miles)
4.25%
Up to 66 Months
▼
APR4.25%
TermUp to 66 Months
Last UpdatedSep 18, 2026
Details
APR range: 4.25% to 17.20%*
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
430 Lanier Ave E, Fayetteville, GA, 30214
New Auto (Model Year 2025 or newer)
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedSep 18, 2026
Details
Tesla financing requires 20% equity; 100% MSRP for most based on credit worthiness.
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
430 Lanier Ave E, Fayetteville, GA, 30214
Used Auto (Model Year 2016 or newer)
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedSep 18, 2026
Details
Tesla financing requires 20% equity; 100% of Retail Value for most based on credit worthiness.
Lanier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
3718 Mundy Mill Rd, Oakwood, GA, 30566 3417
New Auto - 2024 Year Model (Max 100k miles)
4.25%
2024 Year
▼
APR4.25%
Interest Rate4.25%
Term2024 Year
Last UpdatedSep 21, 2026
Details
Minimum loan amount $40k; New Auto Purchase/Refinance
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
670 Metropolitan Pkwy SW, Atlanta, GA, 30310
New Vehicles Loan
4.29%
61 months
▼
APR4.29%
Term61 months
Last UpdatedSep 18, 2026
Details
Term: 61-72 months (over $25,000)
H.E.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.22%
121 OSIGIAN BLVD, WARNER ROBINS, GA, 31088
New Car Loan
4.35%
72 MONTHS
▼
APR4.35%
Term72 MONTHS
Last UpdatedSep 21, 2026
Details
New car rates apply to 2025 and 2026 vehicles with 15,000 miles or less.
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
200 Alamar St, Fort Oglethorpe, GA, 30742
New Cars & Trucks Loan
4.39%
63 months or less
▼
APR4.39%
Term63 months or less
Last UpdatedSep 16, 2026
Details
Mileage: Within 3 most recent model years and less than 25,000 miles
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.37%
1237 Clairmont Rd, Decatur, GA, 30030 1229
New Auto 2025 & Newer
4.39%
60 Months
▼
APR4.39%
Interest Rate4.24%
Term60 Months
Last UpdatedSep 18, 2026
Details
As low as
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
1025 Virginia Ave, Atlanta, GA, 30354 1319
New and Used Other Vehicle Loans
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedSep 18, 2026
Details
Term: 72 months for $20,000 or more on boats, RVs, aircraft and motorcycle loans only
Metro Medical Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
1845 Satellite Blvd, Duluth, GA, 30097
New Auto Loans
4.49%
Up to 36 months
▼
APR4.49%
TermUp to 36 months
Last UpdatedSep 18, 2026
Details
As Low As; *
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
104 Town Blvd NE Ste A110, Brookhaven, GA, 30319 3146
New Auto Loan
4.49%
60 months or less
▼
APR4.49%
Term60 months or less
Last UpdatedSep 18, 2026
Details
As Low As; Rate assumes loan to value of 100% or less and term of 60 months or less. Not all borrowers will qualify for the lowest interest rate.
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 4.40%
3048 Eagle Dr, Woodstock, GA, 30189 5531
New Vehicle Loans
4.49%
61-72 months
▼
APR4.49%
Term61-72 months
Last UpdatedSep 18, 2026
Details
As Low As;*
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
2900 Westside Pkwy, Alpharetta, GA, 30004
Autos, Trucks, Vans - New 2025-2027 models <20,000 miles
4.49%
24 mo.
▼
APR4.49%
Term24 mo.
Last UpdatedSep 18, 2026
Details
As Low As; Payment Example: $436.43 (based on $10,000)
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
2900 Westside Pkwy, Alpharetta, GA, 30004
Autos, Trucks, Vans - New 2025-2027 models <20,000 miles
4.49%
36 mo.
▼
APR4.49%
Term36 mo.
Last UpdatedSep 18, 2026
Details
As Low As; Payment Example: $297.42 (based on $10,000)
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
2900 Westside Pkwy, Alpharetta, GA, 30004
Autos, Trucks, Vans - New 2025-2027 models <20,000 miles
4.49%
48 mo.
▼
APR4.49%
Term48 mo.
Last UpdatedSep 18, 2026
Details
As Low As; Payment Example: $227.99 (based on $10,000)
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
2900 Westside Pkwy, Alpharetta, GA, 30004
Autos, Trucks, Vans - New 2025-2027 models <20,000 miles
4.49%
60 mo.
▼
APR4.49%
Term60 mo.
Last UpdatedSep 18, 2026
Details
As Low As; Payment Example: $186.38 (based on $10,000)
Lanier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
3718 Mundy Mill Rd, Oakwood, GA, 30566 3417
New Auto - 2024 Year Model (Max 100k miles)
4.49%
2024 Year
▼
APR4.49%
Interest Rate4.49%
Term2024 Year
Last UpdatedSep 21, 2026
Details
Minimum loan amount $40k; New Auto Purchase/Refinance
Eagle Express Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
5000 Research CT, Johns Creek, GA, 30024
New and Used Vehicles Loan
4.50%
Up to 72 months
▼
APR4.50%
TermUp to 72 months
Last UpdatedSep 20, 2026
Details
Floor Rate; Discounts only apply to auto loans at rates stated below-not to loan rate specials; One 0.50% APR discount will be given for one of the following items when applying for an auto loan: An existing active checking account. An existing active Visa account. When applying online (through Eagle Express Web)
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
670 Metropolitan Pkwy SW, Atlanta, GA, 30310
New Vehicles Loan
4.54%
73-84 months
▼
APR4.54%
Term73-84 months
Last UpdatedSep 18, 2026
Details
Southern Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
30 Ivan Allen Jr Blvd NW, Atlanta, GA, 30308
NEW AUTO
4.60%
63 MONTHS
▼
APR4.60%
Term63 MONTHS
Last UpdatedSep 18, 2026
Details
All rates are subject to change without notice. Your actual rate, payment, and costs could be higher. APR (Annual Percentage Rate). A lower credit score may cause a higher loan rate. Your APR is based on credit worthiness, loan amount, current mileage, term of the loan and loan to value.
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.32%
100 Busch Dr NE, Cartersville, GA, 30121 7217
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedSep 18, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.56%
2040 Ingleside Ave, Macon, GA, 31204
New Automobile - Current Year (Less Than 15,000 miles)
4.65%
Up to 72 Months
▼
APR4.65%
TermUp to 72 Months
Last UpdatedSep 18, 2026
Details
APR range: 4.65% to 13.45%*
Metro Medical Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
1845 Satellite Blvd, Duluth, GA, 30097
New Auto Loans
4.65%
37 - 48 months
▼
APR4.65%
Term37 - 48 months
Last UpdatedSep 18, 2026
Details
As Low As; *
Combined Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
593 Russell Pkwy, Warner Robins, GA, 31088
New & Current Model Autos (Under 15,000 Miles)
4.65%
61-72 Months
▼
APR4.65%
Term61-72 Months
Last UpdatedSep 21, 2026
Details
As Low As
Metro Medical Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
1845 Satellite Blvd, Duluth, GA, 30097
New Auto Loans
4.69%
49 - 60 months
▼
APR4.69%
Term49 - 60 months
Last UpdatedSep 18, 2026
Details
As Low As; *
Workmens Circle Incorporated Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
527 Stephenson Ave, Savannah, GA, 31405 5922
New Vehicle Loan
4.74%
3 Years
▼
APR4.74%
Term3 Years
Last UpdatedSep 18, 2026
Details
Empeople Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
700 Horizon South Pkwy, Grovetown, GA, 30813 3000
60 Month New Auto Loans
4.74%
60 months
▼
APR4.74%
Term60 months
Last UpdatedSep 18, 2026
Details
SRP Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
1007 Broad St, Augusta, GA, 30901
New Vehicle (2024 or Newer) Auto Loan
4.74%
Up to 36 Months
▼
APR4.74%
TermUp to 36 Months
Last UpdatedSep 21, 2026
Details
As low as; *
SRP Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
1007 Broad St, Augusta, GA, 30901
New Vehicle (2024 or Newer) Auto Loan
4.74%
37-48 Months
▼
APR4.74%
Term37-48 Months
Last UpdatedSep 21, 2026
Details
As low as; *
SRP Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
1007 Broad St, Augusta, GA, 30901
New Vehicle (2024 or Newer) Auto Loan
4.74%
49-60 Months
▼
APR4.74%
Term49-60 Months
Last UpdatedSep 21, 2026
Details
As low as; *
P&S Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.19%
1845 Satellite Blvd, Duluth, GA, 30097
New Truck & Auto Loans (2026 and Untitled 2025 Vehicles)
4.75%
13 to 48 Months
▼
APR4.75%
Term13 to 48 Months
Last UpdatedSep 18, 2026
Details
As Low As; Fixed
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
430 Lanier Ave E, Fayetteville, GA, 30214
New Auto (Model Year 2025 or newer)
4.75%
84 Months
▼
APR4.75%
Term84 Months
Last UpdatedSep 18, 2026
Details
Tesla financing requires 20% equity; 100% MSRP for most based on credit worthiness.
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
430 Lanier Ave E, Fayetteville, GA, 30214
Used Auto (Model Year 2016 or newer)
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedSep 18, 2026
Details
Tesla financing requires 20% equity; 100% of Retail Value for most based on credit worthiness.
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
4770 Buford Hwy, Chamblee, GA, 30341
New Auto
4.75%
0-24 Months
▼
APR4.75%
Interest Rate3.75%
Term0-24 Months
Last UpdatedSep 18, 2026
Details
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
4770 Buford Hwy, Chamblee, GA, 30341
New Auto
4.75%
25-48 Months
▼
APR4.75%
Interest Rate3.75%
Term25-48 Months
Last UpdatedSep 18, 2026
Details
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
4770 Buford Hwy, Chamblee, GA, 30341
New Auto
4.75%
49-60 Months
▼
APR4.75%
Interest Rate3.75%
Term49-60 Months
Last UpdatedSep 18, 2026
Details
Copper Basin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
85 Orvin Lance Dr, Blue Ridge, GA, 30513
New & Used Vehicles
4.75%
36 Months
▼
APR4.75%
Interest Rate4.75%
Term36 Months
Last UpdatedSep 21, 2026
Details
As Low As; Rates as of 4/2/2026. New & Used Vehicles 2026 - 2021
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.37%
1237 Clairmont Rd, Decatur, GA, 30030 1229
New Auto 2025 & Newer
4.87%
72 Months
▼
APR4.87%
Interest Rate4.74%
Term72 Months
Last UpdatedSep 18, 2026
Details
As low as
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
200 Alamar St, Fort Oglethorpe, GA, 30742
New Cars & Trucks Loan
4.89%
64 - 75 months
▼
APR4.89%
Term64 - 75 months
Last UpdatedSep 16, 2026
Details
Mileage: Within 3 most recent model years and less than 25,000 miles
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
1025 Virginia Ave, Atlanta, GA, 30354 1319
New and Used Other Vehicle Loans
4.99%
84 months
▼
APR4.99%
Term84 months
Last UpdatedSep 18, 2026
Details
Term: 84 months for $30,000 or more on boats, RVs, aircraft and motorcycle loans only
P&S Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.19%
1845 Satellite Blvd, Duluth, GA, 30097
New Truck & Auto Loans (2026 and Untitled 2025 Vehicles)
4.99%
49 to 60 Months
▼
APR4.99%
Term49 to 60 Months
Last UpdatedSep 18, 2026
Details
As Low As; Fixed
P&S Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.19%
1845 Satellite Blvd, Duluth, GA, 30097
New Truck & Auto Loans (2026 and Untitled 2025 Vehicles)
4.99%
61 to 72 Months
▼
APR4.99%
Term61 to 72 Months
Last UpdatedSep 18, 2026
Details
As Low As; Fixed
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
1830 Norman Dr Ste B, Valdosta, GA, 31601 8448
New Auto Loan
4.99%
48 months or less
▼
APR4.99%
Interest Rate4.99%
Term48 months or less
Last UpdatedSep 18, 2026
Details
As low as
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 4.40%
3048 Eagle Dr, Woodstock, GA, 30189 5531
New Vehicle Loans
4.99%
73-84 months
▼
APR4.99%
Term73-84 months
Last UpdatedSep 18, 2026
Details
As Low As;*
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
2900 Westside Pkwy, Alpharetta, GA, 30004
Autos, Trucks, Vans - New 2025-2027 models <20,000 miles
4.99%
72 mo.
▼
APR4.99%
Term72 mo.
Last UpdatedSep 18, 2026
Details
As Low As; Payment Example: $322.01 (based on $20,000)
Eagle Express Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
5000 Research CT, Johns Creek, GA, 30024
New and Used Vehicles Loan
4.99%
Up to 72 months
▼
APR4.99%
TermUp to 72 months
Last UpdatedSep 20, 2026
Details
Category A (690+); As Low As; Rate is as stated below, no discounts will apply; Effective 4-23-2025; All rates are based on Equifax beacon score. All rates are based on credit category and loan term. All rates are expressed as Annual Percentage Rate (APR). All rates are subject to change without prior notice. Rates fluctuate based upon the current Wall Street Journal Prime Rate.
Lanier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
3718 Mundy Mill Rd, Oakwood, GA, 30566 3417
New Auto - 2024 Year Model (Max 100k miles)
4.99%
2024 Year
▼
APR4.99%
Interest Rate4.99%
Term2024 Year
Last UpdatedSep 21, 2026
Details
Minimum loan amount $40k; New Auto Purchase/Refinance
Southern Pine Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
5495 Clyattville Lake Park Rd, Valdosta, GA, 31601 0871
New Auto (Never Been Titled) Loan
5.00%
Up to 72 months
▼
APR5.00%
TermUp to 72 months
Last UpdatedSep 18, 2026
Details
Up to 84 months with loan amount > $25,000
Copper Basin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
85 Orvin Lance Dr, Blue Ridge, GA, 30513
New & Used Vehicles
5.00%
48 Months
▼
APR5.00%
Interest Rate5.00%
Term48 Months
Last UpdatedSep 21, 2026
Details
As Low As; Rates as of 4/2/2026. New & Used Vehicles 2026 - 2021
Combined Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
593 Russell Pkwy, Warner Robins, GA, 31088
New & Current Model Autos (Under 15,000 Miles)
5.00%
61-66 Months
▼
APR5.00%
Term61-66 Months
Last UpdatedSep 21, 2026
Details
As low as
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.32%
100 Busch Dr NE, Cartersville, GA, 30121 7217
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedSep 18, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
505 Takeda Pkwy, Social Circle, GA, 30025 4723
Auto Loans - 2025 & Newer
5.14%
76 - 84 Months
▼
APR5.14%
Interest Rate5.14%
Term76 - 84 Months
Last UpdatedSep 18, 2026
Details
as low as; Loan Term; **76-84 month term available for model years 2025 and newer only.
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
1025 Virginia Ave, Atlanta, GA, 30354 1319
New and Used Other Vehicle Loans
5.19%
120 months
▼
APR5.19%
Term120 months
Last UpdatedSep 18, 2026
Details
Term: 120 months for $50,000 or more on boats, RVs and aircraft loans only
Metro Medical Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
1845 Satellite Blvd, Duluth, GA, 30097
New Auto Loans
5.19%
61 - 72 months
▼
APR5.19%
Term61 - 72 months
Last UpdatedSep 18, 2026
Details
As Low As; *
SouthState Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
1851 N Elm St, Commerce, GA, 30529
New Cars Loan
5.23%
72 months
▼
APR5.23%
Term72 months
Last UpdatedSep 15, 2026
Details
As Low As; Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle.
Workmens Circle Incorporated Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
527 Stephenson Ave, Savannah, GA, 31405 5922
New Vehicle Loan
5.24%
4 Years
▼
APR5.24%
Term4 Years
Last UpdatedSep 18, 2026
Details
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
1830 Norman Dr Ste B, Valdosta, GA, 31601 8448
New Auto Loan
5.24%
60 months
▼
APR5.24%
Interest Rate5.24%
Term60 months
Last UpdatedSep 18, 2026
Details
As low as
SRP Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
1007 Broad St, Augusta, GA, 30901
New Vehicle (2024 or Newer) Auto Loan
5.24%
61-72 Months
▼
APR5.24%
Term61-72 Months
Last UpdatedSep 21, 2026
Details
As low as; *
Combined Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
593 Russell Pkwy, Warner Robins, GA, 31088
New & Current Model Autos (Under 15,000 Miles)
5.25%
67-72 Months
▼
APR5.25%
Term67-72 Months
Last UpdatedSep 21, 2026
Details
As low as
Valdosta Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
102 E Force St, Valdosta, GA, 31601 3904
New Vehicles, Motorcycles, Tractors, Boats, ATVs, Horse Trailers
5.25%
Up to 60 months
▼
APR5.25%
Interest Rate5.25%
TermUp to 60 months
Last UpdatedSep 21, 2026
Details
Published rate range: 5.25%-18.00%. Current + prior year less than 20,000 miles*
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.37%
1237 Clairmont Rd, Decatur, GA, 30030 1229
New Auto 2025 & Newer
5.35%
84 Months
▼
APR5.35%
Interest Rate5.24%
Term84 Months
Last UpdatedSep 18, 2026
Details
As low as
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
1025 Virginia Ave, Atlanta, GA, 30354 1319
New and Used Other Vehicle Loans
5.39%
180 months
▼
APR5.39%
Term180 months
Last UpdatedSep 18, 2026
Details
Term: 180 months for $75,000 or more on boats, RVs and aircraft loans only
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
402 Washington St Se, Gainesville, GA, 30501
New car (dealer) Loan
5.39%
60 months
▼
APR5.39%
Term60 months
Last UpdatedSep 18, 2026
Details
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
Genuine Parts Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
5420 Peachtree Industrial Blvd, Norcross, GA, 30071
New Vehicles Loan
5.49%
up to 60 months
▼
APR5.49%
Termup to 60 months
Last UpdatedSep 18, 2026
Details
Base Rate; Vehicles 2024-2025 never titled
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
1830 Norman Dr Ste B, Valdosta, GA, 31601 8448
New Auto Loan
5.49%
66 months
▼
APR5.49%
Interest Rate5.49%
Term66 months
Last UpdatedSep 18, 2026
Details
As low as
Members Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
100 Greenwood Industrial Pkwy, McDonough, GA, 30253
New Auto
5.49%
63 months
▼
APR5.49%
Term63 months
Last UpdatedSep 21, 2026
Details
Bond Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.50%
433 Moreland Ave NE, Atlanta, GA, 30307 1562
New Vehicles Loan
5.49%
36 months
▼
APR5.49%
Term36 months
Last UpdatedSep 21, 2026
Details
Term: 36, 60, 72 or 84 Months. According To Vehicle Value; Fixed Rate
Copper Basin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
85 Orvin Lance Dr, Blue Ridge, GA, 30513
New & Used Vehicles
5.50%
60 Months
▼
APR5.50%
Interest Rate5.50%
Term60 Months
Last UpdatedSep 21, 2026
Details
As Low As; Rates as of 4/2/2026. New & Used Vehicles 2026 - 2021
Combined Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
593 Russell Pkwy, Warner Robins, GA, 31088
New & Current Model Autos (Under 15,000 Miles)
5.50%
73-84 Months
▼
APR5.50%
Term73-84 Months
Last UpdatedSep 21, 2026
Details
As low as
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
1025 Virginia Ave, Atlanta, GA, 30354 1319
New and Used Other Vehicle Loans
5.59%
240 months
▼
APR5.59%
Term240 months
Last UpdatedSep 18, 2026
Details
Term: 240 months for $100,000 or more on boats, RVs and aircraft loans only
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.56%
2040 Ingleside Ave, Macon, GA, 31204
New Automobile - Current Year (Less Than 15,000 miles)
5.65%
Up to 84 Months
▼
APR5.65%
TermUp to 84 Months
Last UpdatedSep 18, 2026
Details
APR range: 5.65% to 17.20%*
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
4770 Buford Hwy, Chamblee, GA, 30341
New Auto
5.65%
61-72 Months
▼
APR5.65%
Interest Rate4.65%
Term61-72 Months
Last UpdatedSep 18, 2026
Details
Combined Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
593 Russell Pkwy, Warner Robins, GA, 31088
New & Current Model Autos (Under 15,000 Miles)
5.65%
73-84 Months
▼
APR5.65%
Term73-84 Months
Last UpdatedSep 21, 2026
Details
As Low As
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
200 Alamar St, Fort Oglethorpe, GA, 30742
New Cars & Trucks Loan
5.69%
76 - 84 months
▼
APR5.69%
Term76 - 84 months
Last UpdatedSep 16, 2026
Details
Mileage: Within 3 most recent model years and less than 25,000 miles (invoice or NADA retail value over $12,500)
SouthState Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
1851 N Elm St, Commerce, GA, 30529
New Cars Loan
5.70%
84 months
▼
APR5.70%
Term84 months
Last UpdatedSep 15, 2026
Details
As Low As; Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle.
Workmens Circle Incorporated Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
527 Stephenson Ave, Savannah, GA, 31405 5922
New Vehicle Loan
5.74%
5 Years
▼
APR5.74%
Term5 Years
Last UpdatedSep 18, 2026
Details
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
1830 Norman Dr Ste B, Valdosta, GA, 31601 8448
New Auto Loan
5.74%
72 months
▼
APR5.74%
Interest Rate5.74%
Term72 months
Last UpdatedSep 18, 2026
Details
As low as
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
430 Lanier Ave E, Fayetteville, GA, 30214
Used Auto (Model Year 2016 or newer)
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedSep 18, 2026
Details
Tesla financing requires 20% equity; 100% of Retail Value for most based on credit worthiness.
Members Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
100 Greenwood Industrial Pkwy, McDonough, GA, 30253
New Auto
5.75%
75 months
▼
APR5.75%
Term75 months
Last UpdatedSep 21, 2026
Details
Minimum Loan $15,000.00
Valdosta Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
102 E Force St, Valdosta, GA, 31601 3904
New Vehicles, Motorcycles, Tractors, Boats, ATVs, Horse Trailers
5.75%
Up to 72 months
▼
APR5.75%
Interest Rate5.75%
TermUp to 72 months
Last UpdatedSep 21, 2026
Details
Published rate range: 5.75%-13.25%. Current + prior year less than 20,000 miles*
Powered by
MonitorBankRates
Georgia Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
H.E.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.22%
121 OSIGIAN BLVD, WARNER ROBINS, GA, 31088
Used Car Loan
3.75%
36 MONTHS
▼
APR3.75%
Term36 MONTHS
Last UpdatedSep 21, 2026
Details
Used Car Rates 2022-2026; As Low As
H.E.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.22%
121 OSIGIAN BLVD, WARNER ROBINS, GA, 31088
Used Car Loan
3.75%
48 MONTHS
▼
APR3.75%
Term48 MONTHS
Last UpdatedSep 21, 2026
Details
Used Car Rates 2022-2026
H.E.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.22%
121 OSIGIAN BLVD, WARNER ROBINS, GA, 31088
Used Car Loan
3.75%
60 MONTHS
▼
APR3.75%
Term60 MONTHS
Last UpdatedSep 21, 2026
Details
Used Car Rates 2022-2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
1025 Virginia Ave, Atlanta, GA, 30354 1319
New and Used Other Vehicle Loans
3.99%
Up to 12 months
▼
APR3.99%
TermUp to 12 months
Last UpdatedSep 18, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
1025 Virginia Ave, Atlanta, GA, 30354 1319
New and Used Other Vehicle Loans
3.99%
24 months
▼
APR3.99%
Term24 months
Last UpdatedSep 18, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
1025 Virginia Ave, Atlanta, GA, 30354 1319
New and Used Other Vehicle Loans
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedSep 18, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
1025 Virginia Ave, Atlanta, GA, 30354 1319
New and Used Other Vehicle Loans
3.99%
48 months
▼
APR3.99%
Term48 months
Last UpdatedSep 18, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
1025 Virginia Ave, Atlanta, GA, 30354 1319
New and Used Other Vehicle Loans
3.99%
60 months
▼
APR3.99%
Term60 months
Last UpdatedSep 18, 2026
Details
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
670 Metropolitan Pkwy SW, Atlanta, GA, 30310
Used Vehicles Loan
3.99%
12-24 months
▼
APR3.99%
Term12-24 months
Last UpdatedSep 18, 2026
Details
As Low As; Current Year
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 4.40%
3048 Eagle Dr, Woodstock, GA, 30189 5531
Used Vehicle Loans
3.99%
0-36 months
▼
APR3.99%
Term0-36 months
Last UpdatedSep 18, 2026
Details
As Low As; *
Lanier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
3718 Mundy Mill Rd, Oakwood, GA, 30566 3417
Used Auto - 2023 to 2021 Year Model (Max 150k miles)
3.99%
36 months or less
▼
APR3.99%
Interest Rate3.99%
Term36 months or less
Last UpdatedSep 21, 2026
Details
Used Auto Purchase/Refinance
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
430 Lanier Ave E, Fayetteville, GA, 30214
Used Auto (Model Year 2016 or newer)
4.00%
48 Months~
▼
APR4.00%
Term48 Months~
Last UpdatedSep 18, 2026
Details
Tesla financing requires 20% equity; 100% of Retail Value for most based on credit worthiness.
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
430 Lanier Ave E, Fayetteville, GA, 30214
Used Auto (Model Year 2016 or newer)
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedSep 18, 2026
Details
Tesla financing requires 20% equity; 100% of Retail Value for most based on credit worthiness.
Lanier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
3718 Mundy Mill Rd, Oakwood, GA, 30566 3417
Used Auto - 2023 to 2021 Year Model (Max 150k miles)
4.25%
2021 Year
▼
APR4.25%
Interest Rate4.25%
Term2021 Year
Last UpdatedSep 21, 2026
Details
Used Auto Purchase/Refinance
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
670 Metropolitan Pkwy SW, Atlanta, GA, 30310
Used Vehicles Loan
4.29%
25-36 months
▼
APR4.29%
Term25-36 months
Last UpdatedSep 18, 2026
Details
As Low As; Age of Vehicle: 2016- Present
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
670 Metropolitan Pkwy SW, Atlanta, GA, 30310
Used Vehicles Loan
4.29%
37-48 months
▼
APR4.29%
Term37-48 months
Last UpdatedSep 18, 2026
Details
As Low As; Age of Vehicle: 2016- Present
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
670 Metropolitan Pkwy SW, Atlanta, GA, 30310
Used Vehicles Loan
4.29%
49-60 months
▼
APR4.29%
Term49-60 months
Last UpdatedSep 18, 2026
Details
As Low As; Age of Vehicle: 2016- Present
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 4.40%
3048 Eagle Dr, Woodstock, GA, 30189 5531
Used Vehicle Loans
4.29%
37-48 months
▼
APR4.29%
Term37-48 months
Last UpdatedSep 18, 2026
Details
As Low As; *
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 4.40%
3048 Eagle Dr, Woodstock, GA, 30189 5531
Used Vehicle Loans
4.39%
49-60 months
▼
APR4.39%
Term49-60 months
Last UpdatedSep 18, 2026
Details
As Low As; *
H.E.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.22%
121 OSIGIAN BLVD, WARNER ROBINS, GA, 31088
Used Car Loan
4.45%
72 MONTHS
▼
APR4.45%
Term72 MONTHS
Last UpdatedSep 21, 2026
Details
Used Car Rates 2022-2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
1025 Virginia Ave, Atlanta, GA, 30354 1319
New and Used Other Vehicle Loans
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedSep 18, 2026
Details
Term: 72 months for $20,000 or more on boats, RVs, aircraft and motorcycle loans only
Metro Medical Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
1845 Satellite Blvd, Duluth, GA, 30097
Used Auto Loans
4.49%
Up to 36 months
▼
APR4.49%
TermUp to 36 months
Last UpdatedSep 18, 2026
Details
As Low As; *
H.E.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.22%
121 OSIGIAN BLVD, WARNER ROBINS, GA, 31088
Used Car Loan
4.49%
36 MONTHS
▼
APR4.49%
Term36 MONTHS
Last UpdatedSep 21, 2026
Details
Used Car Rates 2020-2021; As Low As
H.E.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.22%
121 OSIGIAN BLVD, WARNER ROBINS, GA, 31088
Used Car Loan
4.49%
48 MONTHS
▼
APR4.49%
Term48 MONTHS
Last UpdatedSep 21, 2026
Details
Used Car Rates 2020-2021
H.E.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.22%
121 OSIGIAN BLVD, WARNER ROBINS, GA, 31088
Used Car Loan
4.49%
60 MONTHS
▼
APR4.49%
Term60 MONTHS
Last UpdatedSep 21, 2026
Details
Used Car Rates 2020-2021
Lanier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
3718 Mundy Mill Rd, Oakwood, GA, 30566 3417
Used Auto - 2023 to 2021 Year Model (Max 150k miles)
4.49%
2021 Year
▼
APR4.49%
Interest Rate4.49%
Term2021 Year
Last UpdatedSep 21, 2026
Details
Used Auto Purchase/Refinance
Eagle Express Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
5000 Research CT, Johns Creek, GA, 30024
New and Used Vehicles Loan
4.50%
Up to 72 months
▼
APR4.50%
TermUp to 72 months
Last UpdatedSep 20, 2026
Details
Floor Rate; Discounts only apply to auto loans at rates stated below-not to loan rate specials; One 0.50% APR discount will be given for one of the following items when applying for an auto loan: An existing active checking account. An existing active Visa account. When applying online (through Eagle Express Web)
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
670 Metropolitan Pkwy SW, Atlanta, GA, 30310
Used Vehicles Loan
4.54%
61-72 months
▼
APR4.54%
Term61-72 months
Last UpdatedSep 18, 2026
Details
As Low As; Age of Vehicle: 2016- Present
Metro Medical Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
1845 Satellite Blvd, Duluth, GA, 30097
Used Auto Loans
4.65%
37 - 48 months
▼
APR4.65%
Term37 - 48 months
Last UpdatedSep 18, 2026
Details
As Low As; *
Metro Medical Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
1845 Satellite Blvd, Duluth, GA, 30097
Used Auto Loans
4.69%
49 - 60 months
▼
APR4.69%
Term49 - 60 months
Last UpdatedSep 18, 2026
Details
As Low As; *
P&S Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.19%
1845 Satellite Blvd, Duluth, GA, 30097
Used Truck & Auto Loans (2018 to 2025 Previously Titled Vehicles)
4.75%
Up to 48 Months
▼
APR4.75%
TermUp to 48 Months
Last UpdatedSep 18, 2026
Details
As Low As; Fixed
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
430 Lanier Ave E, Fayetteville, GA, 30214
Used Auto (Model Year 2016 or newer)
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedSep 18, 2026
Details
Tesla financing requires 20% equity; 100% of Retail Value for most based on credit worthiness.
Copper Basin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
85 Orvin Lance Dr, Blue Ridge, GA, 30513
New & Used Vehicles
4.75%
36 Months
▼
APR4.75%
Interest Rate4.75%
Term36 Months
Last UpdatedSep 21, 2026
Details
As Low As; Rates as of 4/2/2026. New & Used Vehicles 2026 - 2021
Lanier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
3718 Mundy Mill Rd, Oakwood, GA, 30566 3417
Used Auto - 2023 to 2021 Year Model (Max 150k miles)
4.75%
2021 Year
▼
APR4.75%
Interest Rate4.75%
Term2021 Year
Last UpdatedSep 21, 2026
Details
Used Auto Purchase/Refinance
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
670 Metropolitan Pkwy SW, Atlanta, GA, 30310
Used Vehicles Loan
4.79%
73-84 months
▼
APR4.79%
Term73-84 months
Last UpdatedSep 18, 2026
Details
As Low As; Age of Vehicle: 2016- Present
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 4.40%
3048 Eagle Dr, Woodstock, GA, 30189 5531
Used Vehicle Loans
4.79%
61-72 months
▼
APR4.79%
Term61-72 months
Last UpdatedSep 18, 2026
Details
As Low As; *
H.E.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.22%
121 OSIGIAN BLVD, WARNER ROBINS, GA, 31088
Used Car Loan
4.85%
72 MONTHS
▼
APR4.85%
Term72 MONTHS
Last UpdatedSep 21, 2026
Details
Used Car Rates 2020-2021
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
4770 Buford Hwy, Chamblee, GA, 30341
Used Auto
4.95%
0-24 Months
▼
APR4.95%
Interest Rate3.95%
Term0-24 Months
Last UpdatedSep 18, 2026
Details
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
4770 Buford Hwy, Chamblee, GA, 30341
Used Auto
4.95%
25-48 Months
▼
APR4.95%
Interest Rate3.95%
Term25-48 Months
Last UpdatedSep 18, 2026
Details
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
4770 Buford Hwy, Chamblee, GA, 30341
Used Auto
4.95%
49-60 Months
▼
APR4.95%
Interest Rate3.95%
Term49-60 Months
Last UpdatedSep 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.32%
100 Busch Dr NE, Cartersville, GA, 30121 7217
Used Auto
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedSep 18, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
1025 Virginia Ave, Atlanta, GA, 30354 1319
New and Used Other Vehicle Loans
4.99%
84 months
▼
APR4.99%
Term84 months
Last UpdatedSep 18, 2026
Details
Term: 84 months for $30,000 or more on boats, RVs, aircraft and motorcycle loans only
P&S Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.19%
1845 Satellite Blvd, Duluth, GA, 30097
Used Truck & Auto Loans (2018 to 2025 Previously Titled Vehicles)
4.99%
Up to 60 Months
▼
APR4.99%
TermUp to 60 Months
Last UpdatedSep 18, 2026
Details
As Low As; Fixed
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
2900 Westside Pkwy, Alpharetta, GA, 30004
Autos, Trucks, Vans - Used 2020-2024 models
4.99%
24 mo.
▼
APR4.99%
Term24 mo.
Last UpdatedSep 18, 2026
Details
As Low As; Payment Example: $438.67 (based on $10,000)
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
2900 Westside Pkwy, Alpharetta, GA, 30004
Autos, Trucks, Vans - Used 2020-2024 models
4.99%
36 mo.
▼
APR4.99%
Term36 mo.
Last UpdatedSep 18, 2026
Details
As Low As; Payment Example: $299.66 (based on $10,000)
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
2900 Westside Pkwy, Alpharetta, GA, 30004
Autos, Trucks, Vans - Used 2020-2024 models
4.99%
48 mo.
▼
APR4.99%
Term48 mo.
Last UpdatedSep 18, 2026
Details
As Low As; Payment Example: $230.25 (based on $10,000)
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
2900 Westside Pkwy, Alpharetta, GA, 30004
Autos, Trucks, Vans - Used 2020-2024 models
4.99%
60 mo.
▼
APR4.99%
Term60 mo.
Last UpdatedSep 18, 2026
Details
As Low As; Payment Example: $188.67 (based on $10,000)
Eagle Express Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
5000 Research CT, Johns Creek, GA, 30024
New and Used Vehicles Loan
4.99%
Up to 72 months
▼
APR4.99%
TermUp to 72 months
Last UpdatedSep 20, 2026
Details
Category A (690+); As Low As; Rate is as stated below, no discounts will apply; Effective 4-23-2025; All rates are based on Equifax beacon score. All rates are based on credit category and loan term. All rates are expressed as Annual Percentage Rate (APR). All rates are subject to change without prior notice. Rates fluctuate based upon the current Wall Street Journal Prime Rate.
Copper Basin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
85 Orvin Lance Dr, Blue Ridge, GA, 30513
New & Used Vehicles
5.00%
48 Months
▼
APR5.00%
Interest Rate5.00%
Term48 Months
Last UpdatedSep 21, 2026
Details
As Low As; Rates as of 4/2/2026. New & Used Vehicles 2026 - 2021
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
1025 Virginia Ave, Atlanta, GA, 30354 1319
New and Used Other Vehicle Loans
5.19%
120 months
▼
APR5.19%
Term120 months
Last UpdatedSep 18, 2026
Details
Term: 120 months for $50,000 or more on boats, RVs and aircraft loans only
Metro Medical Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
1845 Satellite Blvd, Duluth, GA, 30097
Used Auto Loans
5.19%
61 - 72 months
▼
APR5.19%
Term61 - 72 months
Last UpdatedSep 18, 2026
Details
As Low As; *
Workmens Circle Incorporated Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
527 Stephenson Ave, Savannah, GA, 31405 5922
Used Vehicle Loan
5.24%
2 Years
▼
APR5.24%
Term2 Years
Last UpdatedSep 18, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.56%
2040 Ingleside Ave, Macon, GA, 31204
Used Automobile Current Year+
5.25%
Up to 36 Months
▼
APR5.25%
TermUp to 36 Months
Last UpdatedSep 18, 2026
Details
APR range: 5.25% to 17.05%*
SRP Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
1007 Broad St, Augusta, GA, 30901
Used (2020-2023 Model) Auto Loan
5.29%
Up to 36 Months
▼
APR5.29%
TermUp to 36 Months
Last UpdatedSep 21, 2026
Details
As low as; *
SRP Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
1007 Broad St, Augusta, GA, 30901
Used (2020-2023 Model) Auto Loan
5.29%
2023 Mo
▼
APR5.29%
Term2023 Mo
Last UpdatedSep 21, 2026
Details
As low as; *
H.E.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.22%
121 OSIGIAN BLVD, WARNER ROBINS, GA, 31088
Used Car Loan (2019)
5.35%
36 months
▼
APR5.35%
Term36 months
Last UpdatedSep 21, 2026
Details
As Low As
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
200 Alamar St, Fort Oglethorpe, GA, 30742
Used Cars & Trucks Loan
5.39%
63 months or less
▼
APR5.39%
Term63 months or less
Last UpdatedSep 16, 2026
Details
Mileage: 25,000 - 99,999 miles
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
1025 Virginia Ave, Atlanta, GA, 30354 1319
New and Used Other Vehicle Loans
5.39%
180 months
▼
APR5.39%
Term180 months
Last UpdatedSep 18, 2026
Details
Term: 180 months for $75,000 or more on boats, RVs and aircraft loans only
P&S Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.19%
1845 Satellite Blvd, Duluth, GA, 30097
Used Truck & Auto Loans (2018 to 2025 Previously Titled Vehicles)
5.40%
61 to 72 Months
▼
APR5.40%
Term61 to 72 Months
Last UpdatedSep 18, 2026
Details
As Low As; Fixed
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.56%
2040 Ingleside Ave, Macon, GA, 31204
Used Automobile Current Year+
5.40%
Up to 48 Months
▼
APR5.40%
TermUp to 48 Months
Last UpdatedSep 18, 2026
Details
APR range: 5.40% to 17.10%*
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 4.40%
3048 Eagle Dr, Woodstock, GA, 30189 5531
Used Vehicle Loans
5.44%
73-84 months
▼
APR5.44%
Term73-84 months
Last UpdatedSep 18, 2026
Details
As Low As; *
H.E.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.22%
121 OSIGIAN BLVD, WARNER ROBINS, GA, 31088
Used Car Loan
5.45%
48 MONTHS
▼
APR5.45%
Term48 MONTHS
Last UpdatedSep 21, 2026
Details
Used Car Rates 2019
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.32%
100 Busch Dr NE, Cartersville, GA, 30121 7217
Used Auto
5.49%
Up to 75 Months
▼
APR5.49%
TermUp to 75 Months
Last UpdatedSep 18, 2026
Details
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
1830 Norman Dr Ste B, Valdosta, GA, 31601 8448
Used Auto Loan
5.49%
48 months or less
▼
APR5.49%
Interest Rate5.49%
Term48 months or less
Last UpdatedSep 18, 2026
Details
As low as
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
2900 Westside Pkwy, Alpharetta, GA, 30004
Autos, Trucks, Vans - Used 2020-2024 models
5.49%
72 mo.
▼
APR5.49%
Term72 mo.
Last UpdatedSep 18, 2026
Details
As Low As; Payment Example: $326.66 (based on $20,000)
Copper Basin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
85 Orvin Lance Dr, Blue Ridge, GA, 30513
New & Used Vehicles
5.50%
60 Months
▼
APR5.50%
Interest Rate5.50%
Term60 Months
Last UpdatedSep 21, 2026
Details
As Low As; Rates as of 4/2/2026. New & Used Vehicles 2026 - 2021
H.E.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.22%
121 OSIGIAN BLVD, WARNER ROBINS, GA, 31088
Used Car Loan
5.55%
60 MONTHS
▼
APR5.55%
Term60 MONTHS
Last UpdatedSep 21, 2026
Details
Used Car Rates 2019
Members Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
100 Greenwood Industrial Pkwy, McDonough, GA, 30253
Used Auto
5.55%
63 months
▼
APR5.55%
Term63 months
Last UpdatedSep 21, 2026
Details
Model years 2022-2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
1025 Virginia Ave, Atlanta, GA, 30354 1319
New and Used Other Vehicle Loans
5.59%
240 months
▼
APR5.59%
Term240 months
Last UpdatedSep 18, 2026
Details
Term: 240 months for $100,000 or more on boats, RVs and aircraft loans only
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
402 Washington St Se, Gainesville, GA, 30501
Used car (dealer) Loan
5.59%
60 months
▼
APR5.59%
Term60 months
Last UpdatedSep 18, 2026
Details
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.56%
2040 Ingleside Ave, Macon, GA, 31204
Used Automobile Current Year+
5.65%
Up to 60 Months
▼
APR5.65%
TermUp to 60 Months
Last UpdatedSep 18, 2026
Details
APR range: 5.65% to 17.20%*
Workmens Circle Incorporated Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
527 Stephenson Ave, Savannah, GA, 31405 5922
Used Vehicle Loan
5.74%
3 Years
▼
APR5.74%
Term3 Years
Last UpdatedSep 18, 2026
Details
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
1830 Norman Dr Ste B, Valdosta, GA, 31601 8448
Used Auto Loan
5.74%
60 months
▼
APR5.74%
Interest Rate5.74%
Term60 months
Last UpdatedSep 18, 2026
Details
As low as
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
430 Lanier Ave E, Fayetteville, GA, 30214
Used Auto (Model Year 2016 or newer)
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedSep 18, 2026
Details
Tesla financing requires 20% equity; 100% of Retail Value for most based on credit worthiness.
Copper Basin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
85 Orvin Lance Dr, Blue Ridge, GA, 30513
Used Vehicles
5.75%
36 Months
▼
APR5.75%
Interest Rate5.75%
Term36 Months
Last UpdatedSep 21, 2026
Details
As Low As; Rates as of 4/2/2026. Used Vehicles 2024 - 2021. Limited to 72 months
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
4770 Buford Hwy, Chamblee, GA, 30341
Used Auto
5.85%
61-72 Months
▼
APR5.85%
Interest Rate4.85%
Term61-72 Months
Last UpdatedSep 18, 2026
Details
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MonitorBankRates
Georgia Auto Loan Rate Trends
Compare local Georgia auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
New Auto Loan GA Avg
5.396%
▲ 0.496 vs 7 days ago
Georgia new auto rates rose 0.496 points over the past 7 days to 5.396% APR.
Used Auto Loan GA Avg
6.060%
▼ 0.139 vs 7 days ago
Georgia used auto rates fell 0.139 points over the past 7 days to 6.060% APR.
As of Sep 22, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Georgia Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Georgia figures.
Current New Auto Avg
5.40%
APR, as of Sep 22, 2026
6-Month Forecast
5.48%
Fed hold assumed
12-Month Forecast
5.55%
Range: 5.20% to 5.75%
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Georgia APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.40% APR GA average | Used Auto @ 6.06% APR GA average | Monthly Difference |
|---|---|---|---|
| $15,000 | $285.80/mo | $290.41/mo | $4.61/mo |
| $25,000 | $476.33/mo | $484.01/mo | $7.69/mo |
| $35,000 | $666.86/mo | $677.62/mo | $10.76/mo |
| $45,000 | $857.39/mo | $871.22/mo | $13.83/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in Georgia
1
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Georgia locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
2
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Georgia. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
3
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
4
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
Building a down payment, or is an auto loan not the right fit?
- Saving up for a bigger down payment: park it in a Georgia high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Georgia CD rates lock in a guaranteed return until you’re ready to buy
Georgia Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
$43,815
Median Individual Earnings
National avg: $47,340
5.1%
Unemployment Rate
National avg: 4.8%
13.4%
Poverty Rate
National avg: 11.1%
$572/mo
Payment on a $30K / 60-mo Loan
At GA new-auto avg 5.40% APR
A $572 monthly car payment works out to roughly 15.7% of the median individual income in Georgia. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15–20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Georgia, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1–3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0–2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Georgia. We’ve prefilled the APR with today’s GA new-auto average, or click any current rate on the right to apply it instantly.
$
$
%
Current Rates: Click to Apply
$0
Estimated Monthly Payment
Loan Amount$0
Total Interest Paid$0
Total of All Payments$0
Total Cost incl. Down Payment$0
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Georgia auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Georgia directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Georgia. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in GA.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Georgia
How does my credit score affect my car loan rate in Georgia?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Georgia with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.
Is it better to finance through a dealership or a bank?
It is highly recommended to get pre-approved through a local bank or credit union in Georgia *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.
What is the difference between New and Used Auto Loan rates?
Lenders in Georgia typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
Should I get preapproved for an auto loan before visiting a dealer in Georgia?
Yes. A preapproval from a bank or credit union serving Georgia gives you a real rate to compare against dealer financing and turns you into a cash buyer at the negotiating table. Dealers often mark up the rates they arrange, so walking in with a preapproved offer routinely saves buyers money on the financing side of the deal.
Why are used car loan rates higher than new car rates?
Lenders charge more for used vehicles because they are harder to value, depreciate unpredictably, and carry more repossession risk. The spread between new and used rates is typically 0.5 to 1.5 percentage points. A late-model certified pre-owned vehicle sometimes qualifies for new-car rates, so ask the lender how they classify the vehicle before assuming the used rate applies.
Can I refinance my auto loan if rates drop or my credit improves?
Yes. Auto loan refinancing is usually fast and often fee-free. If your credit score has improved since you bought the vehicle, or you financed at a marked-up dealer rate, refinancing with a bank or credit union serving Georgia can lower your monthly payment or shorten your term. It makes the most sense early in the loan, while most of your payments are still going to interest.
What are the best Auto Loan rates in Georgia?
Based on our current data, some of the lowest auto loan rates available in Georgia include:
- P&S Credit Union: 2.49% (New Truck & Auto Loans (2026 and Untitled 2025 Vehicles))
- Credit Union Of Atlanta: 3.49% (New Vehicles Loan)
- Credit Union of Georgia: 3.49% (New Vehicle Loans)
- The Southern Credit Union: 3.50% (New Auto (Model Year 2025 or newer))
- Baxter Credit Union: 3.64% (Auto Loans - 2025 & Newer)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Georgia. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: September 21, 2026
Auto Loan Rates by City in Georgia
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