Auto Loan Rates in Georgia (GA) for July 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
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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 CDC Federal Credit UnionCDC Federal Credit Union4770 Buford Hwy, Chamblee, GA, 30341A+5.0 ★Texas Ratio: 4.20% offering Used Auto at 2.70%, Credit Union Of AtlantaCredit Union Of Atlanta670 Metropolitan Pkwy SW, Atlanta, GA, 30310A5.0 ★Texas Ratio: 6.96% offering New Vehicles 12-24 months Loan at 3.49%, Credit Union of GeorgiaCredit Union of Georgia3048 Eagle Dr, Woodstock, GA, 30189 5531A+5.0 ★Texas Ratio: 5.57% offering New Vehicle Loans at 3.49%, The Southern Credit UnionThe Southern Credit Union430 Lanier Ave E, Fayetteville, GA, 30214A+5.0 ★Texas Ratio: 0.35% offering New Auto (Model Year 2025 or newer) at 3.50%, CGR Credit UnionCGR Credit Union2040 Ingleside Ave, Macon, GA, 31204A+5.0 ★Texas Ratio: 1.07% offering New Automobile - Current Year (Less Than 15,000 miles) - Up to 36 Months at 3.99%. Auto loan rates as of July 15, 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 2.70% APR from CDC Federal Credit Union at 4770 Buford Hwy, Chamblee, GA, 30341. Rates are continually updated — 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: July 15, 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
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
4770 Buford Hwy, Chamblee, GA, 30341
Used Auto
2.70%
0-24 Months
▼
APR2.70%
Term0-24 Months
Last UpdatedJul 15, 2026
Details
Best APR
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
670 Metropolitan Pkwy SW, Atlanta, GA, 30310
New Vehicles 12-24 months Loan
3.49%
24 Months
▼
APR3.49%
Term24 Months
Last UpdatedJul 7, 2026
Details
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
670 Metropolitan Pkwy SW, Atlanta, GA, 30310
New Vehicles Loan
3.49%
12-24 months
▼
APR3.49%
Term12-24 months
Last UpdatedJul 7, 2026
Details
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 5.57%
3048 Eagle Dr, Woodstock, GA, 30189 5531
New Vehicle Loans
3.49%
0-36 months
▼
APR3.49%
Term0-36 months
Last UpdatedJul 11, 2026
Details
As Low As
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
430 Lanier Ave E, Fayetteville, GA, 30214
New Auto (Model Year 2025 or newer)
3.50%
24 Months+
▼
APR3.50%
Term24 Months+
Last UpdatedJul 11, 2026
Details
Tesla financing requires 20% equity; 100% MSRP for most based on credit worthiness.
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
4770 Buford Hwy, Chamblee, GA, 30341
Used Auto
3.60%
61-72 Months
▼
APR3.60%
Term61-72 Months
Last UpdatedJul 15, 2026
Details
Best APR
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
430 Lanier Ave E, Fayetteville, GA, 30214
Used Auto (Model Year 2016 or newer)
3.75%
24 Months+
▼
APR3.75%
Term24 Months+
Last UpdatedJul 11, 2026
Details
Tesla financing requires 20% equity; 100% of Retail Value for most based on credit worthiness.
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 5.57%
3048 Eagle Dr, Woodstock, GA, 30189 5531
New Vehicle Loans
3.79%
37-48 months
▼
APR3.79%
Term37-48 months
Last UpdatedJul 11, 2026
Details
As Low As
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
2040 Ingleside Ave, Macon, GA, 31204
New Automobile - Current Year (Less Than 15,000 miles) - Up to 36 Months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedJul 7, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
2040 Ingleside Ave, Macon, GA, 31204
New Automobile - Current Year (Less Than 15,000 miles) - Up to 48 Months
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedJul 7, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
2040 Ingleside Ave, Macon, GA, 31204
New Automobile - Current Year (Less Than 15,000 miles) - Up to 60 Months
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedJul 7, 2026
Details
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
670 Metropolitan Pkwy SW, Atlanta, GA, 30310
New Vehicles 25-36 months Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedJul 7, 2026
Details
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
670 Metropolitan Pkwy SW, Atlanta, GA, 30310
New Vehicles 37-48 months Loan
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedJul 7, 2026
Details
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
670 Metropolitan Pkwy SW, Atlanta, GA, 30310
New Vehicles 49-60 months Loan
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedJul 7, 2026
Details
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
670 Metropolitan Pkwy SW, Atlanta, GA, 30310
New Vehicles Loan
3.99%
25-36 months
▼
APR3.99%
Term25-36 months
Last UpdatedJul 7, 2026
Details
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
670 Metropolitan Pkwy SW, Atlanta, GA, 30310
Used Vehicles Loan
3.99%
12-24 months
▼
APR3.99%
Term12-24 months
Last UpdatedJul 7, 2026
Details
As Low As; Current Year
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 5.57%
3048 Eagle Dr, Woodstock, GA, 30189 5531
New Vehicle Loans
3.99%
49-60 months
▼
APR3.99%
Term49-60 months
Last UpdatedJul 11, 2026
Details
As Low As
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 5.57%
3048 Eagle Dr, Woodstock, GA, 30189 5531
Used Vehicle Loans 0-36 months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedJul 11, 2026
Details
As Low As; *
Associated Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
6251 Crooked Creek Rd, Norcross, GA, 30092 3107
Vehicle Loan
4.00%
Up To 84 Months
▼
APR4.00%
TermUp To 84 Months
Last UpdatedJul 10, 2026
Details
Model Year(s): 2027 - 2024 NADA Retail / MSRP
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
430 Lanier Ave E, Fayetteville, GA, 30214
New Auto (Model Year 2025 or newer)
4.00%
60 Months±
▼
APR4.00%
Term60 Months±
Last UpdatedJul 11, 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: 0.35%
430 Lanier Ave E, Fayetteville, GA, 30214
Used Auto (Model Year 2016 or newer)
4.00%
48 Months~
▼
APR4.00%
Term48 Months~
Last UpdatedJul 11, 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: 4.20%
4770 Buford Hwy, Chamblee, GA, 30341
New Auto 0-24 Months
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedJul 15, 2026
Details
Best APR: 2.50%
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
4770 Buford Hwy, Chamblee, GA, 30341
New Auto 25-48 Months
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedJul 15, 2026
Details
Best APR: 2.50%
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
4770 Buford Hwy, Chamblee, GA, 30341
New Auto 49-60 Months
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedJul 15, 2026
Details
Best APR: 2.50%
Northside Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
980 Johnson Ferry Rd, Atlanta, GA, 30342
Auto Loan
4.00%
2025 - 2026
▼
APR4.00%
Term2025 - 2026
Last UpdatedJul 15, 2026
Details
As Low As
MembersFirst Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
2476 Lawrenceville Hwy, Decatur, GA, 30033
Auto Loan
4.15%
36 Months
▼
APR4.15%
Term36 Months
Last UpdatedJul 7, 2026
Details
As low as
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
4770 Buford Hwy, Chamblee, GA, 30341
Used Auto
4.20%
0-24 Months
▼
APR4.20%
Term0-24 Months
Last UpdatedJul 15, 2026
Details
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
430 Lanier Ave E, Fayetteville, GA, 30214
New Auto (Model Year 2025 or newer)
4.25%
72 Months§
▼
APR4.25%
Term72 Months§
Last UpdatedJul 11, 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: 0.35%
430 Lanier Ave E, Fayetteville, GA, 30214
Used Auto (Model Year 2016 or newer)
4.25%
60 Months±
▼
APR4.25%
Term60 Months±
Last UpdatedJul 11, 2026
Details
Tesla financing requires 20% equity; 100% of Retail Value for most based on credit worthiness.
Greater Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
1490 Martha Berry Blvd Ne, Rome, GA, 30165
New Auto
4.25%
48 months
▼
APR4.25%
Term48 months
Last UpdatedJul 14, 2026
Details
As low as
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
670 Metropolitan Pkwy SW, Atlanta, GA, 30310
New Vehicles 61-72 months Loan
4.29%
72 Months
▼
APR4.29%
Term72 Months
Last UpdatedJul 7, 2026
Details
over $25,000
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
670 Metropolitan Pkwy SW, Atlanta, GA, 30310
New Vehicles Loan
4.29%
61-72 months
▼
APR4.29%
Term61-72 months
Last UpdatedJul 7, 2026
Details
over $25,000
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
670 Metropolitan Pkwy SW, Atlanta, GA, 30310
Used Vehicles Loan
4.29%
25-36 months
▼
APR4.29%
Term25-36 months
Last UpdatedJul 7, 2026
Details
As Low As; 2016- Present
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 5.57%
3048 Eagle Dr, Woodstock, GA, 30189 5531
Used Vehicle Loans 37-48 months
4.29%
48 Months
▼
APR4.29%
Term48 Months
Last UpdatedJul 11, 2026
Details
As Low As; *
MembersFirst Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
2476 Lawrenceville Hwy, Decatur, GA, 30033
Auto Loan
4.30%
48 Months
▼
APR4.30%
Term48 Months
Last UpdatedJul 7, 2026
Details
As low as
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
200 Alamar St, Fort Oglethorpe, GA, 30742
New Cars & Trucks Loan
4.39%
63 months or less
▼
APR4.39%
Term63 months or less
Last UpdatedJul 6, 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: 5.57%
3048 Eagle Dr, Woodstock, GA, 30189 5531
Used Vehicle Loans 49-60 months
4.39%
60 Months
▼
APR4.39%
Term60 Months
Last UpdatedJul 11, 2026
Details
As Low As; *
MembersFirst Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
2476 Lawrenceville Hwy, Decatur, GA, 30033
Auto Loan
4.45%
60 Months
▼
APR4.45%
Term60 Months
Last UpdatedJul 7, 2026
Details
As low as
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 5.57%
3048 Eagle Dr, Woodstock, GA, 30189 5531
New Vehicle Loans
4.49%
61-72 months
▼
APR4.49%
Term61-72 months
Last UpdatedJul 11, 2026
Details
As Low As
Artesian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.26%
100 Flint Ave, Albany, GA, 31701 2559
Vehicle Loans (Current up to 3 Years Old)
4.50%
3 Years
▼
APR4.50%
Term3 Years
Last UpdatedJul 15, 2026
Details
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
670 Metropolitan Pkwy SW, Atlanta, GA, 30310
New Vehicles 73-84 months Loan
4.54%
84 Months
▼
APR4.54%
Term84 Months
Last UpdatedJul 7, 2026
Details
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
670 Metropolitan Pkwy SW, Atlanta, GA, 30310
New Vehicles Loan
4.54%
73-84 months
▼
APR4.54%
Term73-84 months
Last UpdatedJul 7, 2026
Details
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
670 Metropolitan Pkwy SW, Atlanta, GA, 30310
Used Vehicles Loan
4.54%
61-72 months
▼
APR4.54%
Term61-72 months
Last UpdatedJul 7, 2026
Details
As Low As; 2016- Present
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
4770 Buford Hwy, Chamblee, GA, 30341
Used Auto
4.60%
73-84 Months
▼
APR4.60%
Term73-84 Months
Last UpdatedJul 15, 2026
Details
Best APR
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
959 E Confederate Ave SE, Atlanta, GA, 30316
Auto Loan
4.69%
up to 96 Months
▼
APR4.69%
Termup to 96 Months
Last UpdatedJul 12, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
959 E Confederate Ave SE, Atlanta, GA, 30316
Vehicle Loans
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedJul 12, 2026
Details
Loan Amount: $2,500+
Associated Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
6251 Crooked Creek Rd, Norcross, GA, 30092 3107
Vehicle Loan
4.75%
Up To 75 Months
▼
APR4.75%
TermUp To 75 Months
Last UpdatedJul 10, 2026
Details
Model Year(s): 2023 - 2022 NADA Retail
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
430 Lanier Ave E, Fayetteville, GA, 30214
New Auto (Model Year 2025 or newer)
4.75%
84 Monthsƒ
▼
APR4.75%
Term84 Monthsƒ
Last UpdatedJul 11, 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: 0.35%
430 Lanier Ave E, Fayetteville, GA, 30214
Used Auto (Model Year 2016 or newer)
4.75%
72 Months§
▼
APR4.75%
Term72 Months§
Last UpdatedJul 11, 2026
Details
Tesla financing requires 20% equity; 100% of Retail Value for most based on credit worthiness.
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
670 Metropolitan Pkwy SW, Atlanta, GA, 30310
Used Vehicles Loan
4.79%
73-84 months
▼
APR4.79%
Term73-84 months
Last UpdatedJul 7, 2026
Details
As Low As; 2016- Present
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 5.57%
3048 Eagle Dr, Woodstock, GA, 30189 5531
Used Vehicle Loans 61-72 months
4.79%
72 Months
▼
APR4.79%
Term72 Months
Last UpdatedJul 11, 2026
Details
As Low As; *
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
200 Alamar St, Fort Oglethorpe, GA, 30742
New Cars & Trucks Loan
4.89%
64 - 75 months
▼
APR4.89%
Term64 - 75 months
Last UpdatedJul 6, 2026
Details
Mileage: Within 3 most recent model years and less than 25,000 miles
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
959 E Confederate Ave SE, Atlanta, GA, 30316
Vehicle Loans
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedJul 12, 2026
Details
Loan Amount: $2,500+
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
4770 Buford Hwy, Chamblee, GA, 30341
New Auto 61-72 Months
4.90%
72 Months
▼
APR4.90%
Term72 Months
Last UpdatedJul 15, 2026
Details
Best APR: 3.40%
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
2040 Ingleside Ave, Macon, GA, 31204
New Automobile - Current Year (Less Than 15,000 miles) - Up to 66 Months
4.95%
66 Months
▼
APR4.95%
Term66 Months
Last UpdatedJul 7, 2026
Details
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 5.57%
3048 Eagle Dr, Woodstock, GA, 30189 5531
New Vehicle Loans
4.99%
73-84 months
▼
APR4.99%
Term73-84 months
Last UpdatedJul 11, 2026
Details
As Low As
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
1237 Clairmont Rd, Decatur, GA, 30030 1229
New Auto Loans - Promotion
4.99%
36, 48, or 60 Months
▼
APR4.99%
Term36, 48, or 60 Months
Last UpdatedJul 11, 2026
Details
As Low As; New Auto 2025 + Newer Only
Southern Pine Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
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 UpdatedJul 7, 2026
Details
Up to 84 months with loan amount > $25,000
Interstate Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.22%
705 W Cherry St, Jesup, GA, 31545
Auto Loan
5.00%
36 months
▼
APR5.00%
Term36 months
Last UpdatedJul 11, 2026
Details
Artesian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.26%
100 Flint Ave, Albany, GA, 31701 2559
Vehicle Loans (Current up to 3 Years Old)
5.00%
3 Years
▼
APR5.00%
Term3 Years
Last UpdatedJul 15, 2026
Details
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
4770 Buford Hwy, Chamblee, GA, 30341
Used Auto
5.10%
61-72 Months
▼
APR5.10%
Term61-72 Months
Last UpdatedJul 15, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
959 E Confederate Ave SE, Atlanta, GA, 30316
Vehicle Loans
5.19%
48 months
▼
APR5.19%
Term48 months
Last UpdatedJul 12, 2026
Details
Loan Amount: $2,500+
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
2040 Ingleside Ave, Macon, GA, 31204
New Automobile - Current Year (Less Than 15,000 miles) - Up to 72 Months
5.20%
72 Months
▼
APR5.20%
Term72 Months
Last UpdatedJul 7, 2026
Details
SouthState Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
1851 N Elm St, Commerce, GA, 30529
Car Loans
5.23%
72 months
▼
APR5.23%
Term72 months
Last UpdatedJul 11, 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. Minimum loan amount $4,000; maximum loan amount $150,000. Based on an example loan amount of $42,500 for a term of 72 months with monthly payments of $686.61. Additional fees may apply. Other restrictions may apply. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle. Rates, terms and conditions are subject to change based on borrower eligibility and market conditions. All loans are subject to credit approval.
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
1830 Norman Dr Ste B, Valdosta, GA, 31601 8448
Auto Loan
5.24%
48 months or less
▼
APR5.24%
Term48 months or less
Last UpdatedJul 11, 2026
Details
Bay; As Low As
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
1237 Clairmont Rd, Decatur, GA, 30030 1229
New Auto 2025 + Newer
5.24%
36 to 72 Months
▼
APR5.24%
Term36 to 72 Months
Last UpdatedJul 11, 2026
Details
As Low As; Model Year: New Auto 2025 + Newer
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
2040 Ingleside Ave, Macon, GA, 31204
Used Automobile Current Year+
5.25%
Up to 36 Months
▼
APR5.25%
TermUp to 36 Months
Last UpdatedJul 7, 2026
Details
Rates shown are for vehicles 0-3 years old. Rates subject to change. See dealer for details.
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
200 Alamar St, Fort Oglethorpe, GA, 30742
Used Cars & Trucks (25,000 - 99,999 miles) Loan
5.39%
63 months or less
▼
APR5.39%
Term63 months or less
Last UpdatedJul 6, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
200 Alamar St, Fort Oglethorpe, GA, 30742
Used Cars & Trucks Loan
5.39%
63 months or less
▼
APR5.39%
Term63 months or less
Last UpdatedJul 6, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
959 E Confederate Ave SE, Atlanta, GA, 30316
Vehicle Loans
5.39%
60 months
▼
APR5.39%
Term60 months
Last UpdatedJul 12, 2026
Details
Loan Amount: $5,000+
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
2040 Ingleside Ave, Macon, GA, 31204
Used Automobile Current Year+
5.40%
Up to 48 Months
▼
APR5.40%
TermUp to 48 Months
Last UpdatedJul 7, 2026
Details
Rates shown are for vehicles 0-3 years old. Rates subject to change. See dealer for details.
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 5.57%
3048 Eagle Dr, Woodstock, GA, 30189 5531
Used Vehicle Loans 73-84 months
5.44%
84 Months
▼
APR5.44%
Term84 Months
Last UpdatedJul 11, 2026
Details
As Low As; *
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
1830 Norman Dr Ste B, Valdosta, GA, 31601 8448
Auto Loan
5.49%
48 months or less
▼
APR5.49%
Term48 months or less
Last UpdatedJul 11, 2026
Details
FL; As Low As
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
1237 Clairmont Rd, Decatur, GA, 30030 1229
New Auto 2025 + Newer
5.49%
73 to 84 Months
▼
APR5.49%
Term73 to 84 Months
Last UpdatedJul 11, 2026
Details
As Low As; Model Year: New Auto 2025 + Newer
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
959 E Confederate Ave SE, Atlanta, GA, 30316
Vehicle Loans
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedJul 12, 2026
Details
Loan Amount: $2,500+
Bond Community Federal Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.36%
433 Moreland Ave NE, Atlanta, GA, 30307 1562
New Vehicles Loan
5.49%
36, 60, 72 or 84 Months. According To Vehicle Value
▼
APR5.49%
Term36, 60, 72 or 84 Months. According To Vehicle Value
Last UpdatedJul 15, 2026
Details
Fxd.
Associated Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
6251 Crooked Creek Rd, Norcross, GA, 30092 3107
Vehicle Loan
5.50%
Up To 66 Months
▼
APR5.50%
TermUp To 66 Months
Last UpdatedJul 10, 2026
Details
Model Year(s): 2021 - 2019 NADA Retail
Interstate Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.22%
705 W Cherry St, Jesup, GA, 31545
Auto Loan
5.50%
48 months
▼
APR5.50%
Term48 months
Last UpdatedJul 11, 2026
Details
Northside Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
980 Johnson Ferry Rd, Atlanta, GA, 30342
Auto Loan
5.50%
2021 - 2024
▼
APR5.50%
Term2021 - 2024
Last UpdatedJul 15, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
959 E Confederate Ave SE, Atlanta, GA, 30316
Vehicle Loans
5.59%
72 months
▼
APR5.59%
Term72 months
Last UpdatedJul 12, 2026
Details
Loan Amount: $15,000+
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
2040 Ingleside Ave, Macon, GA, 31204
Used Automobile Current Year+
5.65%
Up to 60 Months
▼
APR5.65%
TermUp to 60 Months
Last UpdatedJul 7, 2026
Details
Rates shown are for vehicles 0-3 years old. Rates subject to change. See dealer for details.
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
200 Alamar St, Fort Oglethorpe, GA, 30742
New Cars & Trucks Loan
5.69%
76 - 84 months
▼
APR5.69%
Term76 - 84 months
Last UpdatedJul 6, 2026
Details
Mileage: Within 3 most recent model years and less than 25,000 miles (invoice or NADA retail value over $12,500)
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
1830 Norman Dr Ste B, Valdosta, GA, 31601 8448
Auto Loan
5.74%
60 months
▼
APR5.74%
Term60 months
Last UpdatedJul 11, 2026
Details
FL; As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
5800 Windward Pkwy, Alpharetta, GA, 30005
New & Used Vehicles Loan
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedJul 15, 2026
Details
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
430 Lanier Ave E, Fayetteville, GA, 30214
Used Auto (Model Year 2016 or newer)
5.75%
84 Monthsƒ
▼
APR5.75%
Term84 Monthsƒ
Last UpdatedJul 11, 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: 10.26%
100 Flint Ave, Albany, GA, 31701 2559
Vehicle Loans (4 Years or Older)
5.75%
4 Years
▼
APR5.75%
Term4 Years
Last UpdatedJul 15, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
200 Alamar St, Fort Oglethorpe, GA, 30742
Used Cars & Trucks (25,000 - 99,999 miles) Loan
5.89%
64 to 75 months
▼
APR5.89%
Term64 to 75 months
Last UpdatedJul 6, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
2040 Ingleside Ave, Macon, GA, 31204
Used Automobile Current Year+
5.90%
Up to 66 Months
▼
APR5.90%
TermUp to 66 Months
Last UpdatedJul 7, 2026
Details
Rates shown are for vehicles 0-3 years old. Rates subject to change. See dealer for details.
Southern Pine Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
5495 Clyattville Lake Park Rd, Valdosta, GA, 31601 0871
Used Auto Loan
5.90%
Up to 72 months
▼
APR5.90%
TermUp to 72 months
Last UpdatedJul 7, 2026
Details
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
4770 Buford Hwy, Chamblee, GA, 30341
New Auto 73-84 Months
5.90%
84 Months
▼
APR5.90%
Term84 Months
Last UpdatedJul 15, 2026
Details
Best APR: 4.40%
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.43%
104 Town Blvd NE Ste A110, Brookhaven, GA, 30319 3146
New Auto Loan
5.99%
60 months or less
▼
APR5.99%
Term60 months or less
Last UpdatedJul 11, 2026
Details
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.
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
1830 Norman Dr Ste B, Valdosta, GA, 31601 8448
Auto Loan
5.99%
66 months
▼
APR5.99%
Term66 months
Last UpdatedJul 11, 2026
Details
FL; As Low As
Bond Community Federal Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.36%
433 Moreland Ave NE, Atlanta, GA, 30307 1562
Used Vehicles Loan
5.99%
According To Vehicle Value and Age
▼
APR5.99%
TermAccording To Vehicle Value and Age
Last UpdatedJul 15, 2026
Details
Fxd.
Interstate Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.22%
705 W Cherry St, Jesup, GA, 31545
Auto Loan
6.00%
60 months
▼
APR6.00%
Term60 months
Last UpdatedJul 11, 2026
Details
Northside Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
980 Johnson Ferry Rd, Atlanta, GA, 30342
Auto Loan
6.00%
2017 - 2020
▼
APR6.00%
Term2017 - 2020
Last UpdatedJul 15, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
959 E Confederate Ave SE, Atlanta, GA, 30316
Vehicle Loans
6.09%
72 months
▼
APR6.09%
Term72 months
Last UpdatedJul 12, 2026
Details
Loan Amount: $15,000+
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
4770 Buford Hwy, Chamblee, GA, 30341
Used Auto
6.10%
73-84 Months
▼
APR6.10%
Term73-84 Months
Last UpdatedJul 15, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
2040 Ingleside Ave, Macon, GA, 31204
Used Automobile Current Year+
6.15%
Up to 72 Months
▼
APR6.15%
TermUp to 72 Months
Last UpdatedJul 7, 2026
Details
Rates shown are for vehicles 0-3 years old. Rates subject to change. See dealer for details.
Glynn County Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
C O Bldg 86, Brunswick, GA, 31524
Used Car 2022-2019 Loan
6.25%
60 Months
▼
APR6.25%
Term60 Months
Last UpdatedJul 7, 2026
Details
North Georgia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
695 Big A Rd, Toccoa, GA, 30577 6023
New Autos
6.25%
0-42 Months
▼
APR6.25%
Term0-42 Months
Last UpdatedJul 7, 2026
Details
Artesian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.26%
100 Flint Ave, Albany, GA, 31701 2559
Vehicle Loans (4 Years or Older)
6.25%
4 Years
▼
APR6.25%
Term4 Years
Last UpdatedJul 15, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
200 Alamar St, Fort Oglethorpe, GA, 30742
Used Cars & Trucks (Greater than 100,000 miles but less than 175,000 miles) Loan
6.39%
63 months or less
▼
APR6.39%
Term63 months or less
Last UpdatedJul 6, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
2040 Ingleside Ave, Macon, GA, 31204
New Automobile - Current Year (Less Than 15,000 miles) - Up to 84 Months
6.45%
84 Months
▼
APR6.45%
Term84 Months
Last UpdatedJul 7, 2026
Details
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
1830 Norman Dr Ste B, Valdosta, GA, 31601 8448
Auto Loan
6.49%
72 months
▼
APR6.49%
Term72 months
Last UpdatedJul 11, 2026
Details
FL; As Low As
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
2040 Ingleside Ave, Macon, GA, 31204
Used Automobile 4-5 Years Old
6.50%
Up to 36 Months
▼
APR6.50%
TermUp to 36 Months
Last UpdatedJul 7, 2026
Details
North Georgia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
695 Big A Rd, Toccoa, GA, 30577 6023
New Autos
6.50%
43-72 Months
▼
APR6.50%
Term43-72 Months
Last UpdatedJul 7, 2026
Details
North Georgia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
695 Big A Rd, Toccoa, GA, 30577 6023
Used Autos
6.50%
0-42 Months
▼
APR6.50%
Term0-42 Months
Last UpdatedJul 7, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
921 Ralph David Abernathy Blvd SW, Atlanta, GA, 30310
New Car Loan
6.50%
up to 84 months
▼
APR6.50%
Termup to 84 months
Last UpdatedJul 11, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
200 Alamar St, Fort Oglethorpe, GA, 30742
Used Cars & Trucks (25,000 - 99,999 miles) Loan
6.69%
76 to 84 months
▼
APR6.69%
Term76 to 84 months
Last UpdatedJul 6, 2026
Details
Glynn County Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
C O Bldg 86, Brunswick, GA, 31524
Used Car 2014 and Under Loan
6.75%
36 Months
▼
APR6.75%
Term36 Months
Last UpdatedJul 7, 2026
Details
Glynn County Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
C O Bldg 86, Brunswick, GA, 31524
Used Car 2018-2014 Loan
6.75%
60 Months
▼
APR6.75%
Term60 Months
Last UpdatedJul 7, 2026
Details
North Georgia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
695 Big A Rd, Toccoa, GA, 30577 6023
Used Autos
6.75%
43-72 Months
▼
APR6.75%
Term43-72 Months
Last UpdatedJul 7, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
2040 Ingleside Ave, Macon, GA, 31204
Used Automobile 4-5 Years Old
6.80%
Up to 48 Months
▼
APR6.80%
TermUp to 48 Months
Last UpdatedJul 7, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
959 E Confederate Ave SE, Atlanta, GA, 30316
Vehicle Loans
6.84%
Up to 36 months
▼
APR6.84%
TermUp to 36 months
Last UpdatedJul 12, 2026
Details
Loan Amount: $2,500+
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
200 Alamar St, Fort Oglethorpe, GA, 30742
Used Cars & Trucks (Greater than 100,000 miles but less than 175,000 miles) Loan
6.89%
64 to 75 months
▼
APR6.89%
Term64 to 75 months
Last UpdatedJul 6, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
959 E Confederate Ave SE, Atlanta, GA, 30316
Vehicle Loans
6.89%
84 months
▼
APR6.89%
Term84 months
Last UpdatedJul 12, 2026
Details
Loan Amount: $20,000+
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
1830 Norman Dr Ste B, Valdosta, GA, 31601 8448
Auto Loan
6.99%
84 months
▼
APR6.99%
Term84 months
Last UpdatedJul 11, 2026
Details
FL; As Low As
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
2040 Ingleside Ave, Macon, GA, 31204
Used Automobile 4-5 Years Old
7.00%
Up to 60 Months
▼
APR7.00%
TermUp to 60 Months
Last UpdatedJul 7, 2026
Details
Interstate Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.22%
705 W Cherry St, Jesup, GA, 31545
Auto Loan
7.00%
72 months
▼
APR7.00%
Term72 months
Last UpdatedJul 11, 2026
Details
Northside Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
980 Johnson Ferry Rd, Atlanta, GA, 30342
Auto Loan
7.00%
2016 and older
▼
APR7.00%
Term2016 and older
Last UpdatedJul 15, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
959 E Confederate Ave SE, Atlanta, GA, 30316
Vehicle Loans
7.09%
84 months
▼
APR7.09%
Term84 months
Last UpdatedJul 12, 2026
Details
Loan Amount: $20,000+
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
2040 Ingleside Ave, Macon, GA, 31204
Used Automobile Current Year+
7.15%
Up to 84 Months
▼
APR7.15%
TermUp to 84 Months
Last UpdatedJul 7, 2026
Details
Rates shown are for vehicles 0-3 years old. Rates subject to change. See dealer for details.
Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
921 Ralph David Abernathy Blvd SW, Atlanta, GA, 30310
Used Car - less than 100,000 Miles Loan
7.25%
up to 84 months
▼
APR7.25%
Termup to 84 months
Last UpdatedJul 11, 2026
Details
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
1830 Norman Dr Ste B, Valdosta, GA, 31601 8448
Auto Loan
7.49%
84 months
▼
APR7.49%
Term84 months
Last UpdatedJul 11, 2026
Details
Bay; As Low As
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
2040 Ingleside Ave, Macon, GA, 31204
Used Automobile 4-5 Years Old
7.50%
Up to 66 Months
▼
APR7.50%
TermUp to 66 Months
Last UpdatedJul 7, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
959 E Confederate Ave SE, Atlanta, GA, 30316
Vehicle Loans
7.74%
72 months
▼
APR7.74%
Term72 months
Last UpdatedJul 12, 2026
Details
Loan Amount: $25,000+
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
2040 Ingleside Ave, Macon, GA, 31204
Used Automobile 6-8 Years Old
7.75%
Up to 36 Months
▼
APR7.75%
TermUp to 36 Months
Last UpdatedJul 7, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
959 E Confederate Ave SE, Atlanta, GA, 30316
Vehicle Loans
7.89%
96 months
▼
APR7.89%
Term96 months
Last UpdatedJul 12, 2026
Details
Loan Amount: $40,000+
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
959 E Confederate Ave SE, Atlanta, GA, 30316
Vehicle Loans
7.94%
84 months
▼
APR7.94%
Term84 months
Last UpdatedJul 12, 2026
Details
Loan Amount: $25,000+
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
2040 Ingleside Ave, Macon, GA, 31204
Used Automobile 6-8 Years Old
7.95%
Up to 48 Months
▼
APR7.95%
TermUp to 48 Months
Last UpdatedJul 7, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
959 E Confederate Ave SE, Atlanta, GA, 30316
Vehicle Loans
8.09%
96 months
▼
APR8.09%
Term96 months
Last UpdatedJul 12, 2026
Details
Loan Amount: $40,000+
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
2040 Ingleside Ave, Macon, GA, 31204
Used Automobile 6-8 Years Old
8.35%
Up to 60 Months
▼
APR8.35%
TermUp to 60 Months
Last UpdatedJul 7, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
5800 Windward Pkwy, Alpharetta, GA, 30005
Classic Vehicle Loans
8.99%
Up to 4 years
▼
APR8.99%
TermUp to 4 years
Last UpdatedJul 15, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
2040 Ingleside Ave, Macon, GA, 31204
Used Automobile 9 Years & Older - Up to 36 Months
9.00%
Up to 36 Months
▼
APR9.00%
TermUp to 36 Months
Last UpdatedJul 7, 2026
Details
Rates may vary based on creditworthiness and other factors. The '*' indicates rates are subject to change.
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
2040 Ingleside Ave, Macon, GA, 31204
Used Automobile 9 Years & Older - Up to 48 Months
9.25%
Up to 48 Months
▼
APR9.25%
TermUp to 48 Months
Last UpdatedJul 7, 2026
Details
Rates may vary based on creditworthiness and other factors. The '*' indicates rates are subject to change.
Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
921 Ralph David Abernathy Blvd SW, Atlanta, GA, 30310
Used Car - greater than 100,000 Miles Loan
9.25%
up to 72 months
▼
APR9.25%
Termup to 72 months
Last UpdatedJul 11, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
2040 Ingleside Ave, Macon, GA, 31204
Used Automobile 9 Years & Older - Up to 60 Months
9.85%
Up to 60 Months
▼
APR9.85%
TermUp to 60 Months
Last UpdatedJul 7, 2026
Details
Rates may vary based on creditworthiness and other factors. The '*' indicates rates are subject to change.
North Georgia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
695 Big A Rd, Toccoa, GA, 30577 6023
All Other Used Autos
9.90%
7-10 Years Old - Up to 36 Months
▼
APR9.90%
Term7-10 Years Old - Up to 36 Months
Last UpdatedJul 7, 2026
Details
Interstate Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.22%
705 W Cherry St, Jesup, GA, 31545
Auto Loan
9.90%
36 - 72 months
▼
APR9.90%
Term36 - 72 months
Last UpdatedJul 11, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
200 Alamar St, Fort Oglethorpe, GA, 30742
Auto Loan
9.99%
145 - 180 months
▼
APR9.99%
Term145 - 180 months
Last UpdatedJul 6, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
2040 Ingleside Ave, Macon, GA, 31204
Used Automobile 9 Years & Older - Up to 66 Months
10.10%
Up to 66 Months
▼
APR10.10%
TermUp to 66 Months
Last UpdatedJul 7, 2026
Details
Rates may vary based on creditworthiness and other factors. The '*' indicates rates are subject to change.
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
2040 Ingleside Ave, Macon, GA, 31204
Used Automobile 9 Years & Older - Up to 72 Months
10.40%
Up to 72 Months
▼
APR10.40%
TermUp to 72 Months
Last UpdatedJul 7, 2026
Details
Rates may vary based on creditworthiness and other factors. The '*' indicates rates are subject to change.
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
200 Alamar St, Fort Oglethorpe, GA, 30742
Auto Loan
10.99%
145 - 180 months
▼
APR10.99%
Term145 - 180 months
Last UpdatedJul 6, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
2040 Ingleside Ave, Macon, GA, 31204
Used Automobile 9 Years & Older - Up to 84 Months
11.90%
Up to 84 Months
▼
APR11.90%
TermUp to 84 Months
Last UpdatedJul 7, 2026
Details
Rates may vary based on creditworthiness and other factors. The '*' indicates rates are subject to change.
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MonitorBankRates
Georgia New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
670 Metropolitan Pkwy SW, Atlanta, GA, 30310
New Vehicles 12-24 months Loan
3.49%
24 Months
▼
APR3.49%
Term24 Months
Last UpdatedJul 7, 2026
Details
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
670 Metropolitan Pkwy SW, Atlanta, GA, 30310
New Vehicles Loan
3.49%
12-24 months
▼
APR3.49%
Term12-24 months
Last UpdatedJul 7, 2026
Details
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 5.57%
3048 Eagle Dr, Woodstock, GA, 30189 5531
New Vehicle Loans
3.49%
0-36 months
▼
APR3.49%
Term0-36 months
Last UpdatedJul 11, 2026
Details
As Low As
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
430 Lanier Ave E, Fayetteville, GA, 30214
New Auto (Model Year 2025 or newer)
3.50%
24 Months+
▼
APR3.50%
Term24 Months+
Last UpdatedJul 11, 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: 0.35%
430 Lanier Ave E, Fayetteville, GA, 30214
Used Auto (Model Year 2016 or newer)
3.75%
24 Months+
▼
APR3.75%
Term24 Months+
Last UpdatedJul 11, 2026
Details
Tesla financing requires 20% equity; 100% of Retail Value for most based on credit worthiness.
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 5.57%
3048 Eagle Dr, Woodstock, GA, 30189 5531
New Vehicle Loans
3.79%
37-48 months
▼
APR3.79%
Term37-48 months
Last UpdatedJul 11, 2026
Details
As Low As
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
2040 Ingleside Ave, Macon, GA, 31204
New Automobile - Current Year (Less Than 15,000 miles) - Up to 36 Months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedJul 7, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
2040 Ingleside Ave, Macon, GA, 31204
New Automobile - Current Year (Less Than 15,000 miles) - Up to 48 Months
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedJul 7, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
2040 Ingleside Ave, Macon, GA, 31204
New Automobile - Current Year (Less Than 15,000 miles) - Up to 60 Months
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedJul 7, 2026
Details
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
670 Metropolitan Pkwy SW, Atlanta, GA, 30310
New Vehicles 25-36 months Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedJul 7, 2026
Details
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
670 Metropolitan Pkwy SW, Atlanta, GA, 30310
New Vehicles 37-48 months Loan
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedJul 7, 2026
Details
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
670 Metropolitan Pkwy SW, Atlanta, GA, 30310
New Vehicles 49-60 months Loan
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedJul 7, 2026
Details
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
670 Metropolitan Pkwy SW, Atlanta, GA, 30310
New Vehicles Loan
3.99%
25-36 months
▼
APR3.99%
Term25-36 months
Last UpdatedJul 7, 2026
Details
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 5.57%
3048 Eagle Dr, Woodstock, GA, 30189 5531
New Vehicle Loans
3.99%
49-60 months
▼
APR3.99%
Term49-60 months
Last UpdatedJul 11, 2026
Details
As Low As
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
430 Lanier Ave E, Fayetteville, GA, 30214
New Auto (Model Year 2025 or newer)
4.00%
60 Months±
▼
APR4.00%
Term60 Months±
Last UpdatedJul 11, 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: 0.35%
430 Lanier Ave E, Fayetteville, GA, 30214
Used Auto (Model Year 2016 or newer)
4.00%
48 Months~
▼
APR4.00%
Term48 Months~
Last UpdatedJul 11, 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: 4.20%
4770 Buford Hwy, Chamblee, GA, 30341
New Auto 0-24 Months
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedJul 15, 2026
Details
Best APR: 2.50%
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
4770 Buford Hwy, Chamblee, GA, 30341
New Auto 25-48 Months
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedJul 15, 2026
Details
Best APR: 2.50%
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
4770 Buford Hwy, Chamblee, GA, 30341
New Auto 49-60 Months
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedJul 15, 2026
Details
Best APR: 2.50%
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
430 Lanier Ave E, Fayetteville, GA, 30214
New Auto (Model Year 2025 or newer)
4.25%
72 Months§
▼
APR4.25%
Term72 Months§
Last UpdatedJul 11, 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: 0.35%
430 Lanier Ave E, Fayetteville, GA, 30214
Used Auto (Model Year 2016 or newer)
4.25%
60 Months±
▼
APR4.25%
Term60 Months±
Last UpdatedJul 11, 2026
Details
Tesla financing requires 20% equity; 100% of Retail Value for most based on credit worthiness.
Greater Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
1490 Martha Berry Blvd Ne, Rome, GA, 30165
New Auto
4.25%
48 months
▼
APR4.25%
Term48 months
Last UpdatedJul 14, 2026
Details
As low as
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
670 Metropolitan Pkwy SW, Atlanta, GA, 30310
New Vehicles 61-72 months Loan
4.29%
72 Months
▼
APR4.29%
Term72 Months
Last UpdatedJul 7, 2026
Details
over $25,000
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
670 Metropolitan Pkwy SW, Atlanta, GA, 30310
New Vehicles Loan
4.29%
61-72 months
▼
APR4.29%
Term61-72 months
Last UpdatedJul 7, 2026
Details
over $25,000
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
200 Alamar St, Fort Oglethorpe, GA, 30742
New Cars & Trucks Loan
4.39%
63 months or less
▼
APR4.39%
Term63 months or less
Last UpdatedJul 6, 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: 5.57%
3048 Eagle Dr, Woodstock, GA, 30189 5531
New Vehicle Loans
4.49%
61-72 months
▼
APR4.49%
Term61-72 months
Last UpdatedJul 11, 2026
Details
As Low As
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
670 Metropolitan Pkwy SW, Atlanta, GA, 30310
New Vehicles 73-84 months Loan
4.54%
84 Months
▼
APR4.54%
Term84 Months
Last UpdatedJul 7, 2026
Details
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
670 Metropolitan Pkwy SW, Atlanta, GA, 30310
New Vehicles Loan
4.54%
73-84 months
▼
APR4.54%
Term73-84 months
Last UpdatedJul 7, 2026
Details
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
430 Lanier Ave E, Fayetteville, GA, 30214
New Auto (Model Year 2025 or newer)
4.75%
84 Monthsƒ
▼
APR4.75%
Term84 Monthsƒ
Last UpdatedJul 11, 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: 0.35%
430 Lanier Ave E, Fayetteville, GA, 30214
Used Auto (Model Year 2016 or newer)
4.75%
72 Months§
▼
APR4.75%
Term72 Months§
Last UpdatedJul 11, 2026
Details
Tesla financing requires 20% equity; 100% of Retail Value for most based on credit worthiness.
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
200 Alamar St, Fort Oglethorpe, GA, 30742
New Cars & Trucks Loan
4.89%
64 - 75 months
▼
APR4.89%
Term64 - 75 months
Last UpdatedJul 6, 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: 4.20%
4770 Buford Hwy, Chamblee, GA, 30341
New Auto 61-72 Months
4.90%
72 Months
▼
APR4.90%
Term72 Months
Last UpdatedJul 15, 2026
Details
Best APR: 3.40%
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
2040 Ingleside Ave, Macon, GA, 31204
New Automobile - Current Year (Less Than 15,000 miles) - Up to 66 Months
4.95%
66 Months
▼
APR4.95%
Term66 Months
Last UpdatedJul 7, 2026
Details
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 5.57%
3048 Eagle Dr, Woodstock, GA, 30189 5531
New Vehicle Loans
4.99%
73-84 months
▼
APR4.99%
Term73-84 months
Last UpdatedJul 11, 2026
Details
As Low As
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
1237 Clairmont Rd, Decatur, GA, 30030 1229
New Auto Loans - Promotion
4.99%
36, 48, or 60 Months
▼
APR4.99%
Term36, 48, or 60 Months
Last UpdatedJul 11, 2026
Details
As Low As; New Auto 2025 + Newer Only
Southern Pine Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
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 UpdatedJul 7, 2026
Details
Up to 84 months with loan amount > $25,000
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
2040 Ingleside Ave, Macon, GA, 31204
New Automobile - Current Year (Less Than 15,000 miles) - Up to 72 Months
5.20%
72 Months
▼
APR5.20%
Term72 Months
Last UpdatedJul 7, 2026
Details
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
1237 Clairmont Rd, Decatur, GA, 30030 1229
New Auto 2025 + Newer
5.24%
36 to 72 Months
▼
APR5.24%
Term36 to 72 Months
Last UpdatedJul 11, 2026
Details
As Low As; Model Year: New Auto 2025 + Newer
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
1237 Clairmont Rd, Decatur, GA, 30030 1229
New Auto 2025 + Newer
5.49%
73 to 84 Months
▼
APR5.49%
Term73 to 84 Months
Last UpdatedJul 11, 2026
Details
As Low As; Model Year: New Auto 2025 + Newer
Bond Community Federal Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.36%
433 Moreland Ave NE, Atlanta, GA, 30307 1562
New Vehicles Loan
5.49%
36, 60, 72 or 84 Months. According To Vehicle Value
▼
APR5.49%
Term36, 60, 72 or 84 Months. According To Vehicle Value
Last UpdatedJul 15, 2026
Details
Fxd.
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
200 Alamar St, Fort Oglethorpe, GA, 30742
New Cars & Trucks Loan
5.69%
76 - 84 months
▼
APR5.69%
Term76 - 84 months
Last UpdatedJul 6, 2026
Details
Mileage: Within 3 most recent model years and less than 25,000 miles (invoice or NADA retail value over $12,500)
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
5800 Windward Pkwy, Alpharetta, GA, 30005
New & Used Vehicles Loan
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedJul 15, 2026
Details
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
430 Lanier Ave E, Fayetteville, GA, 30214
Used Auto (Model Year 2016 or newer)
5.75%
84 Monthsƒ
▼
APR5.75%
Term84 Monthsƒ
Last UpdatedJul 11, 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: 4.20%
4770 Buford Hwy, Chamblee, GA, 30341
New Auto 73-84 Months
5.90%
84 Months
▼
APR5.90%
Term84 Months
Last UpdatedJul 15, 2026
Details
Best APR: 4.40%
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.43%
104 Town Blvd NE Ste A110, Brookhaven, GA, 30319 3146
New Auto Loan
5.99%
60 months or less
▼
APR5.99%
Term60 months or less
Last UpdatedJul 11, 2026
Details
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.
North Georgia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
695 Big A Rd, Toccoa, GA, 30577 6023
New Autos
6.25%
0-42 Months
▼
APR6.25%
Term0-42 Months
Last UpdatedJul 7, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
2040 Ingleside Ave, Macon, GA, 31204
New Automobile - Current Year (Less Than 15,000 miles) - Up to 84 Months
6.45%
84 Months
▼
APR6.45%
Term84 Months
Last UpdatedJul 7, 2026
Details
North Georgia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
695 Big A Rd, Toccoa, GA, 30577 6023
New Autos
6.50%
43-72 Months
▼
APR6.50%
Term43-72 Months
Last UpdatedJul 7, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
921 Ralph David Abernathy Blvd SW, Atlanta, GA, 30310
New Car Loan
6.50%
up to 84 months
▼
APR6.50%
Termup to 84 months
Last UpdatedJul 11, 2026
Details
Powered by
MonitorBankRates
Georgia Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
4770 Buford Hwy, Chamblee, GA, 30341
Used Auto
2.70%
0-24 Months
▼
APR2.70%
Term0-24 Months
Last UpdatedJul 15, 2026
Details
Best APR
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
4770 Buford Hwy, Chamblee, GA, 30341
Used Auto
3.60%
61-72 Months
▼
APR3.60%
Term61-72 Months
Last UpdatedJul 15, 2026
Details
Best APR
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
430 Lanier Ave E, Fayetteville, GA, 30214
Used Auto (Model Year 2016 or newer)
3.75%
24 Months+
▼
APR3.75%
Term24 Months+
Last UpdatedJul 11, 2026
Details
Tesla financing requires 20% equity; 100% of Retail Value for most based on credit worthiness.
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
670 Metropolitan Pkwy SW, Atlanta, GA, 30310
Used Vehicles Loan
3.99%
12-24 months
▼
APR3.99%
Term12-24 months
Last UpdatedJul 7, 2026
Details
As Low As; Current Year
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 5.57%
3048 Eagle Dr, Woodstock, GA, 30189 5531
Used Vehicle Loans 0-36 months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedJul 11, 2026
Details
As Low As; *
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
430 Lanier Ave E, Fayetteville, GA, 30214
Used Auto (Model Year 2016 or newer)
4.00%
48 Months~
▼
APR4.00%
Term48 Months~
Last UpdatedJul 11, 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: 4.20%
4770 Buford Hwy, Chamblee, GA, 30341
Used Auto
4.20%
0-24 Months
▼
APR4.20%
Term0-24 Months
Last UpdatedJul 15, 2026
Details
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
430 Lanier Ave E, Fayetteville, GA, 30214
Used Auto (Model Year 2016 or newer)
4.25%
60 Months±
▼
APR4.25%
Term60 Months±
Last UpdatedJul 11, 2026
Details
Tesla financing requires 20% equity; 100% of Retail Value for most based on credit worthiness.
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
670 Metropolitan Pkwy SW, Atlanta, GA, 30310
Used Vehicles Loan
4.29%
25-36 months
▼
APR4.29%
Term25-36 months
Last UpdatedJul 7, 2026
Details
As Low As; 2016- Present
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 5.57%
3048 Eagle Dr, Woodstock, GA, 30189 5531
Used Vehicle Loans 37-48 months
4.29%
48 Months
▼
APR4.29%
Term48 Months
Last UpdatedJul 11, 2026
Details
As Low As; *
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 5.57%
3048 Eagle Dr, Woodstock, GA, 30189 5531
Used Vehicle Loans 49-60 months
4.39%
60 Months
▼
APR4.39%
Term60 Months
Last UpdatedJul 11, 2026
Details
As Low As; *
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
670 Metropolitan Pkwy SW, Atlanta, GA, 30310
Used Vehicles Loan
4.54%
61-72 months
▼
APR4.54%
Term61-72 months
Last UpdatedJul 7, 2026
Details
As Low As; 2016- Present
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
4770 Buford Hwy, Chamblee, GA, 30341
Used Auto
4.60%
73-84 Months
▼
APR4.60%
Term73-84 Months
Last UpdatedJul 15, 2026
Details
Best APR
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
430 Lanier Ave E, Fayetteville, GA, 30214
Used Auto (Model Year 2016 or newer)
4.75%
72 Months§
▼
APR4.75%
Term72 Months§
Last UpdatedJul 11, 2026
Details
Tesla financing requires 20% equity; 100% of Retail Value for most based on credit worthiness.
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
670 Metropolitan Pkwy SW, Atlanta, GA, 30310
Used Vehicles Loan
4.79%
73-84 months
▼
APR4.79%
Term73-84 months
Last UpdatedJul 7, 2026
Details
As Low As; 2016- Present
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 5.57%
3048 Eagle Dr, Woodstock, GA, 30189 5531
Used Vehicle Loans 61-72 months
4.79%
72 Months
▼
APR4.79%
Term72 Months
Last UpdatedJul 11, 2026
Details
As Low As; *
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
4770 Buford Hwy, Chamblee, GA, 30341
Used Auto
5.10%
61-72 Months
▼
APR5.10%
Term61-72 Months
Last UpdatedJul 15, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
2040 Ingleside Ave, Macon, GA, 31204
Used Automobile Current Year+
5.25%
Up to 36 Months
▼
APR5.25%
TermUp to 36 Months
Last UpdatedJul 7, 2026
Details
Rates shown are for vehicles 0-3 years old. Rates subject to change. See dealer for details.
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
200 Alamar St, Fort Oglethorpe, GA, 30742
Used Cars & Trucks (25,000 - 99,999 miles) Loan
5.39%
63 months or less
▼
APR5.39%
Term63 months or less
Last UpdatedJul 6, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
200 Alamar St, Fort Oglethorpe, GA, 30742
Used Cars & Trucks Loan
5.39%
63 months or less
▼
APR5.39%
Term63 months or less
Last UpdatedJul 6, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
2040 Ingleside Ave, Macon, GA, 31204
Used Automobile Current Year+
5.40%
Up to 48 Months
▼
APR5.40%
TermUp to 48 Months
Last UpdatedJul 7, 2026
Details
Rates shown are for vehicles 0-3 years old. Rates subject to change. See dealer for details.
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 5.57%
3048 Eagle Dr, Woodstock, GA, 30189 5531
Used Vehicle Loans 73-84 months
5.44%
84 Months
▼
APR5.44%
Term84 Months
Last UpdatedJul 11, 2026
Details
As Low As; *
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
2040 Ingleside Ave, Macon, GA, 31204
Used Automobile Current Year+
5.65%
Up to 60 Months
▼
APR5.65%
TermUp to 60 Months
Last UpdatedJul 7, 2026
Details
Rates shown are for vehicles 0-3 years old. Rates subject to change. See dealer for details.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
5800 Windward Pkwy, Alpharetta, GA, 30005
New & Used Vehicles Loan
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedJul 15, 2026
Details
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
430 Lanier Ave E, Fayetteville, GA, 30214
Used Auto (Model Year 2016 or newer)
5.75%
84 Monthsƒ
▼
APR5.75%
Term84 Monthsƒ
Last UpdatedJul 11, 2026
Details
Tesla financing requires 20% equity; 100% of Retail Value for most based on credit worthiness.
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
200 Alamar St, Fort Oglethorpe, GA, 30742
Used Cars & Trucks (25,000 - 99,999 miles) Loan
5.89%
64 to 75 months
▼
APR5.89%
Term64 to 75 months
Last UpdatedJul 6, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
2040 Ingleside Ave, Macon, GA, 31204
Used Automobile Current Year+
5.90%
Up to 66 Months
▼
APR5.90%
TermUp to 66 Months
Last UpdatedJul 7, 2026
Details
Rates shown are for vehicles 0-3 years old. Rates subject to change. See dealer for details.
Southern Pine Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
5495 Clyattville Lake Park Rd, Valdosta, GA, 31601 0871
Used Auto Loan
5.90%
Up to 72 months
▼
APR5.90%
TermUp to 72 months
Last UpdatedJul 7, 2026
Details
Bond Community Federal Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.36%
433 Moreland Ave NE, Atlanta, GA, 30307 1562
Used Vehicles Loan
5.99%
According To Vehicle Value and Age
▼
APR5.99%
TermAccording To Vehicle Value and Age
Last UpdatedJul 15, 2026
Details
Fxd.
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
4770 Buford Hwy, Chamblee, GA, 30341
Used Auto
6.10%
73-84 Months
▼
APR6.10%
Term73-84 Months
Last UpdatedJul 15, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
2040 Ingleside Ave, Macon, GA, 31204
Used Automobile Current Year+
6.15%
Up to 72 Months
▼
APR6.15%
TermUp to 72 Months
Last UpdatedJul 7, 2026
Details
Rates shown are for vehicles 0-3 years old. Rates subject to change. See dealer for details.
Glynn County Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
C O Bldg 86, Brunswick, GA, 31524
Used Car 2022-2019 Loan
6.25%
60 Months
▼
APR6.25%
Term60 Months
Last UpdatedJul 7, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
200 Alamar St, Fort Oglethorpe, GA, 30742
Used Cars & Trucks (Greater than 100,000 miles but less than 175,000 miles) Loan
6.39%
63 months or less
▼
APR6.39%
Term63 months or less
Last UpdatedJul 6, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
2040 Ingleside Ave, Macon, GA, 31204
Used Automobile 4-5 Years Old
6.50%
Up to 36 Months
▼
APR6.50%
TermUp to 36 Months
Last UpdatedJul 7, 2026
Details
North Georgia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
695 Big A Rd, Toccoa, GA, 30577 6023
Used Autos
6.50%
0-42 Months
▼
APR6.50%
Term0-42 Months
Last UpdatedJul 7, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
200 Alamar St, Fort Oglethorpe, GA, 30742
Used Cars & Trucks (25,000 - 99,999 miles) Loan
6.69%
76 to 84 months
▼
APR6.69%
Term76 to 84 months
Last UpdatedJul 6, 2026
Details
Glynn County Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
C O Bldg 86, Brunswick, GA, 31524
Used Car 2014 and Under Loan
6.75%
36 Months
▼
APR6.75%
Term36 Months
Last UpdatedJul 7, 2026
Details
Glynn County Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
C O Bldg 86, Brunswick, GA, 31524
Used Car 2018-2014 Loan
6.75%
60 Months
▼
APR6.75%
Term60 Months
Last UpdatedJul 7, 2026
Details
North Georgia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
695 Big A Rd, Toccoa, GA, 30577 6023
Used Autos
6.75%
43-72 Months
▼
APR6.75%
Term43-72 Months
Last UpdatedJul 7, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
2040 Ingleside Ave, Macon, GA, 31204
Used Automobile 4-5 Years Old
6.80%
Up to 48 Months
▼
APR6.80%
TermUp to 48 Months
Last UpdatedJul 7, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
200 Alamar St, Fort Oglethorpe, GA, 30742
Used Cars & Trucks (Greater than 100,000 miles but less than 175,000 miles) Loan
6.89%
64 to 75 months
▼
APR6.89%
Term64 to 75 months
Last UpdatedJul 6, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
2040 Ingleside Ave, Macon, GA, 31204
Used Automobile 4-5 Years Old
7.00%
Up to 60 Months
▼
APR7.00%
TermUp to 60 Months
Last UpdatedJul 7, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
2040 Ingleside Ave, Macon, GA, 31204
Used Automobile Current Year+
7.15%
Up to 84 Months
▼
APR7.15%
TermUp to 84 Months
Last UpdatedJul 7, 2026
Details
Rates shown are for vehicles 0-3 years old. Rates subject to change. See dealer for details.
Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
921 Ralph David Abernathy Blvd SW, Atlanta, GA, 30310
Used Car - less than 100,000 Miles Loan
7.25%
up to 84 months
▼
APR7.25%
Termup to 84 months
Last UpdatedJul 11, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
2040 Ingleside Ave, Macon, GA, 31204
Used Automobile 4-5 Years Old
7.50%
Up to 66 Months
▼
APR7.50%
TermUp to 66 Months
Last UpdatedJul 7, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
2040 Ingleside Ave, Macon, GA, 31204
Used Automobile 6-8 Years Old
7.75%
Up to 36 Months
▼
APR7.75%
TermUp to 36 Months
Last UpdatedJul 7, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
2040 Ingleside Ave, Macon, GA, 31204
Used Automobile 6-8 Years Old
7.95%
Up to 48 Months
▼
APR7.95%
TermUp to 48 Months
Last UpdatedJul 7, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
2040 Ingleside Ave, Macon, GA, 31204
Used Automobile 6-8 Years Old
8.35%
Up to 60 Months
▼
APR8.35%
TermUp to 60 Months
Last UpdatedJul 7, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
2040 Ingleside Ave, Macon, GA, 31204
Used Automobile 9 Years & Older - Up to 36 Months
9.00%
Up to 36 Months
▼
APR9.00%
TermUp to 36 Months
Last UpdatedJul 7, 2026
Details
Rates may vary based on creditworthiness and other factors. The '*' indicates rates are subject to change.
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
2040 Ingleside Ave, Macon, GA, 31204
Used Automobile 9 Years & Older - Up to 48 Months
9.25%
Up to 48 Months
▼
APR9.25%
TermUp to 48 Months
Last UpdatedJul 7, 2026
Details
Rates may vary based on creditworthiness and other factors. The '*' indicates rates are subject to change.
Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
921 Ralph David Abernathy Blvd SW, Atlanta, GA, 30310
Used Car - greater than 100,000 Miles Loan
9.25%
up to 72 months
▼
APR9.25%
Termup to 72 months
Last UpdatedJul 11, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
2040 Ingleside Ave, Macon, GA, 31204
Used Automobile 9 Years & Older - Up to 60 Months
9.85%
Up to 60 Months
▼
APR9.85%
TermUp to 60 Months
Last UpdatedJul 7, 2026
Details
Rates may vary based on creditworthiness and other factors. The '*' indicates rates are subject to change.
North Georgia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
695 Big A Rd, Toccoa, GA, 30577 6023
All Other Used Autos
9.90%
7-10 Years Old - Up to 36 Months
▼
APR9.90%
Term7-10 Years Old - Up to 36 Months
Last UpdatedJul 7, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
2040 Ingleside Ave, Macon, GA, 31204
Used Automobile 9 Years & Older - Up to 66 Months
10.10%
Up to 66 Months
▼
APR10.10%
TermUp to 66 Months
Last UpdatedJul 7, 2026
Details
Rates may vary based on creditworthiness and other factors. The '*' indicates rates are subject to change.
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
2040 Ingleside Ave, Macon, GA, 31204
Used Automobile 9 Years & Older - Up to 72 Months
10.40%
Up to 72 Months
▼
APR10.40%
TermUp to 72 Months
Last UpdatedJul 7, 2026
Details
Rates may vary based on creditworthiness and other factors. The '*' indicates rates are subject to change.
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
2040 Ingleside Ave, Macon, GA, 31204
Used Automobile 9 Years & Older - Up to 84 Months
11.90%
Up to 84 Months
▼
APR11.90%
TermUp to 84 Months
Last UpdatedJul 7, 2026
Details
Rates may vary based on creditworthiness and other factors. The '*' indicates rates are subject to change.
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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
4.479%
▲ 0.012 vs 7 days ago
Georgia new auto rates rose 0.012 points over the past 7 days to 4.479% APR.
Used Auto Loan — GA Avg
5.702%
▼ 0.072 vs 7 days ago
Georgia used auto rates fell 0.072 points over the past 7 days to 5.702% APR.
As of Jul 16, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
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.
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:
- CDC Federal Credit Union: 2.70% (Used Auto)
- Credit Union Of Atlanta: 3.49% (New Vehicles 12-24 months Loan)
- Credit Union of Georgia: 3.49% (New Vehicle Loans)
- The Southern Credit Union: 3.50% (New Auto (Model Year 2025 or newer))
- CGR Credit Union: 3.99% (New Automobile - Current Year (Less Than 15,000 miles) - Up to 36 Months)
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: July 15, 2026
Auto Loan Rates by City in Georgia
Rate Assistant
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