Auto Loan Rates in Garfield, Georgia (GA) for July 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
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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 Garfield, Georgia. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Garfield, Georgia include CDC Federal Credit UnionCDC Federal Credit UnionA+5.0 ★Texas Ratio: 4.20% offering Used Auto at 2.70%, Credit Union of GeorgiaCredit Union of GeorgiaA+5.0 ★Texas Ratio: 5.57% offering New Vehicle Loans at 3.49%, Credit Union Of AtlantaCredit Union Of AtlantaA5.0 ★Texas Ratio: 6.96% offering New Vehicles 12-24 months Loan at 3.49%, The Southern Credit UnionThe Southern Credit UnionA+5.0 ★Texas Ratio: 0.35% offering New Auto (Model Year 2025 or newer) at 3.50%, CGR Credit UnionCGR Credit UnionA+5.0 ★Texas Ratio: 1.07% offering New Automobile at 3.99%. Auto loan rates as of July 16, 2026 according to verified data from MonitorBankRates.
Garfield borrowers have access to 25 lenders serving the Georgia area, with auto loan rates as low as 2.70% APR from CDC Federal Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Garfield, Georgia. Auto Loan Rates Last Updated and Verified: July 16, 2026
Compare Auto Loan Rates Today in Garfield, Georgia & Surrounding Area
Garfield 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%
Used Auto
2.70%
0-24 Months
▼
APR2.70%
Term0-24 Months
Last UpdatedJul 15, 2026
Details
Best APR
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 5.57%
New Vehicle Loans
3.49%
0-36 months
▼
APR3.49%
Term0-36 months
Last UpdatedJul 11, 2026
Details
As Low As
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
New Vehicles 12-24 months Loan
3.49%
24 Months
▼
APR3.49%
Term24 Months
Last UpdatedJul 16, 2026
Details
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
New Vehicles Loan
3.49%
12-24 months
▼
APR3.49%
Term12-24 months
Last UpdatedJul 16, 2026
Details
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
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%
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%
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%
New Vehicle Loans
3.79%
37-48 months
▼
APR3.79%
Term37-48 months
Last UpdatedJul 11, 2026
Details
As Low As
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 5.57%
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%
Used Vehicle Loans 0-36 months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedJul 11, 2026
Details
As Low As; *
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
New Automobile
3.99%
Up to 36 Months
▼
APR3.99%
TermUp to 36 Months
Last UpdatedJul 16, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
New Automobile
3.99%
Up to 48 Months
▼
APR3.99%
TermUp to 48 Months
Last UpdatedJul 16, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
New Automobile
3.99%
Up to 60 Months
▼
APR3.99%
TermUp to 60 Months
Last UpdatedJul 16, 2026
Details
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
New Vehicles 25-36 months Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedJul 16, 2026
Details
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
New Vehicles 37-48 months Loan
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedJul 16, 2026
Details
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
New Vehicles 49-60 months Loan
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedJul 16, 2026
Details
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
New Vehicles Loan
3.99%
25-36 months
▼
APR3.99%
Term25-36 months
Last UpdatedJul 16, 2026
Details
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Used Vehicles Loan
3.99%
12-24 months
▼
APR3.99%
Term12-24 months
Last UpdatedJul 16, 2026
Details
As Low As; Current Year
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
New Auto
4.25%
48 months
▼
APR4.25%
Term48 months
Last UpdatedJul 14, 2026
Details
As low as
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 5.57%
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 Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
New Vehicles 61-72 months Loan
4.29%
72 Months
▼
APR4.29%
Term72 Months
Last UpdatedJul 16, 2026
Details
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
New Vehicles Loan
4.29%
61-72 months
▼
APR4.29%
Term61-72 months
Last UpdatedJul 16, 2026
Details
over $25,000
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Used Vehicles Loan
4.29%
25-36 months
▼
APR4.29%
Term25-36 months
Last UpdatedJul 16, 2026
Details
As Low As; 2016- Present
MembersFirst Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
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%
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%
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%
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%
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%
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%
New Vehicles 73-84 months Loan
4.54%
84 Months
▼
APR4.54%
Term84 Months
Last UpdatedJul 16, 2026
Details
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
New Vehicles Loan
4.54%
73-84 months
▼
APR4.54%
Term73-84 months
Last UpdatedJul 16, 2026
Details
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Used Vehicles Loan
4.54%
61-72 months
▼
APR4.54%
Term61-72 months
Last UpdatedJul 16, 2026
Details
As Low As; 2016- Present
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
Used Auto
4.60%
73-84 Months
▼
APR4.60%
Term73-84 Months
Last UpdatedJul 15, 2026
Details
Best APR
Southern Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
NEW AUTO
4.60%
63 MONTHS
▼
APR4.60%
Term63 MONTHS
Last UpdatedJul 16, 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: 5.30%
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedJul 16, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
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%
Vehicle Loans
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedJul 12, 2026
Details
Loan Amount: $2,500+
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
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%
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 Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 5.57%
Used Vehicle Loans 61-72 months
4.79%
72 Months
▼
APR4.79%
Term72 Months
Last UpdatedJul 11, 2026
Details
As Low As; *
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Used Vehicles Loan
4.79%
73-84 months
▼
APR4.79%
Term73-84 months
Last UpdatedJul 16, 2026
Details
As Low As; 2016- Present
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
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%
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%
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%
New Automobile
4.95%
Up to 66 Months
▼
APR4.95%
TermUp to 66 Months
Last UpdatedJul 16, 2026
Details
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 5.57%
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%
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
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedJul 16, 2026
Details
Southern Pine Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
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%
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%
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%
Used Auto
5.10%
61-72 Months
▼
APR5.10%
Term61-72 Months
Last UpdatedJul 15, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedJul 16, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
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%
New Automobile
5.20%
Up to 72 Months
▼
APR5.20%
TermUp to 72 Months
Last UpdatedJul 16, 2026
Details
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%
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%
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%
Used Automobile
5.25%
Up to 36 Months
▼
APR5.25%
TermUp to 36 Months
Last UpdatedJul 16, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
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%
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%
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%
Used Automobile
5.40%
Up to 48 Months
▼
APR5.40%
TermUp to 48 Months
Last UpdatedJul 16, 2026
Details
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 5.57%
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%
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%
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%
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%
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
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Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto
5.49%
Up to 75 Months
▼
APR5.49%
TermUp to 75 Months
Last UpdatedJul 16, 2026
Details
Interstate Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.22%
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%
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%
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%
Used Automobile
5.65%
Up to 60 Months
▼
APR5.65%
TermUp to 60 Months
Last UpdatedJul 16, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
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%
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%
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%
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%
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%
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
Southern Pine Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
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%
New Auto 73-84 Months
5.90%
84 Months
▼
APR5.90%
Term84 Months
Last UpdatedJul 15, 2026
Details
Best APR: 4.40%
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
Used Automobile
5.90%
Up to 66 Months
▼
APR5.90%
TermUp to 66 Months
Last UpdatedJul 16, 2026
Details
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.43%
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%
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%
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.
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto (2018 or older)
5.99%
Up to 60 Months
▼
APR5.99%
TermUp to 60 Months
Last UpdatedJul 16, 2026
Details
Glynn County Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
New Car Loan
5.99%
36 Months - 60 Months
▼
APR5.99%
Term36 Months - 60 Months
Last UpdatedJul 16, 2026
Details
Interstate Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.22%
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%
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%
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%
Used Auto
6.10%
73-84 Months
▼
APR6.10%
Term73-84 Months
Last UpdatedJul 15, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
New Auto
6.14%
Up to 84 Months
▼
APR6.14%
TermUp to 84 Months
Last UpdatedJul 16, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
Used Automobile
6.15%
Up to 72 Months
▼
APR6.15%
TermUp to 72 Months
Last UpdatedJul 16, 2026
Details
North Georgia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
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%
Vehicle Loans (4 Years or Older)
6.25%
4 Years
▼
APR6.25%
Term4 Years
Last UpdatedJul 15, 2026
Details
Glynn County Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
New Car Loan
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedJul 16, 2026
Details
Glynn County Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
Used Car 2022-2019 Loan
6.25%
60 Months
▼
APR6.25%
Term60 Months
Last UpdatedJul 16, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
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
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
6.39%
Up to 12 months
▼
APR6.39%
TermUp to 12 months
Last UpdatedJul 16, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
New Automobile
6.45%
Up to 84 Months
▼
APR6.45%
TermUp to 84 Months
Last UpdatedJul 16, 2026
Details
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
Auto Loan
6.49%
72 months
▼
APR6.49%
Term72 months
Last UpdatedJul 11, 2026
Details
FL; As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto
6.49%
Up to 84 Months
▼
APR6.49%
TermUp to 84 Months
Last UpdatedJul 16, 2026
Details
North Georgia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
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%
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%
New Car Loan
6.50%
up to 84 months
▼
APR6.50%
Termup to 84 months
Last UpdatedJul 11, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
Used Automobile 4-5 Years Old
6.50%
Up to 36 Months
▼
APR6.50%
TermUp to 36 Months
Last UpdatedJul 16, 2026
Details
Glynn County Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
New Car Loan
6.50%
84 Months - 96 Months
▼
APR6.50%
Term84 Months - 96 Months
Last UpdatedJul 16, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
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
North Georgia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
Used Autos
6.75%
43-72 Months
▼
APR6.75%
Term43-72 Months
Last UpdatedJul 7, 2026
Details
Glynn County Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
Used Car 2014 and Under Loan
6.75%
36 Months
▼
APR6.75%
Term36 Months
Last UpdatedJul 16, 2026
Details
Glynn County Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
Used Car 2018-2014 Loan
6.75%
60 Months
▼
APR6.75%
Term60 Months
Last UpdatedJul 16, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
Used Automobile 4-5 Years Old
6.80%
Up to 48 Months
▼
APR6.80%
TermUp to 48 Months
Last UpdatedJul 16, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
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%
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%
Vehicle Loans
6.89%
84 months
▼
APR6.89%
Term84 months
Last UpdatedJul 12, 2026
Details
Loan Amount: $20,000+
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
6.89%
72 months for $20,000 or more on boats, RVs, aircraft and motorcycle loans only
▼
APR6.89%
Term72 months for $20,000 or more on boats, RVs, aircraft and motorcycle loans only
Last UpdatedJul 16, 2026
Details
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
Auto Loan
6.99%
84 months
▼
APR6.99%
Term84 months
Last UpdatedJul 11, 2026
Details
FL; As Low As
Interstate Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.22%
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%
Auto Loan
7.00%
2016 and older
▼
APR7.00%
Term2016 and older
Last UpdatedJul 15, 2026
Details
As Low As
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
Used Automobile 4-5 Years Old
7.00%
Up to 60 Months
▼
APR7.00%
TermUp to 60 Months
Last UpdatedJul 16, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
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%
Used Automobile
7.15%
Up to 84 Months
▼
APR7.15%
TermUp to 84 Months
Last UpdatedJul 16, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
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
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
7.39%
84 months for $30,000 or more on boats, RVs, aircraft and motorcycle loans only
▼
APR7.39%
Term84 months for $30,000 or more on boats, RVs, aircraft and motorcycle loans only
Last UpdatedJul 16, 2026
Details
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
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%
Used Automobile 4-5 Years Old
7.50%
Up to 66 Months
▼
APR7.50%
TermUp to 66 Months
Last UpdatedJul 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
7.59%
120 months for $50,000 or more on boats, RVs and aircraft loans only
▼
APR7.59%
Term120 months for $50,000 or more on boats, RVs and aircraft loans only
Last UpdatedJul 16, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
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%
Used Automobile 6-8 Years Old
7.75%
Up to 36 Months
▼
APR7.75%
TermUp to 36 Months
Last UpdatedJul 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
7.79%
180 months for $75,000 or more on boats, RVs and aircraft loans only
▼
APR7.79%
Term180 months for $75,000 or more on boats, RVs and aircraft loans only
Last UpdatedJul 16, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
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%
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%
Used Automobile 6-8 Years Old
7.95%
Up to 48 Months
▼
APR7.95%
TermUp to 48 Months
Last UpdatedJul 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
7.99%
240 months for $100,000 or more on boats, RVs and aircraft loans only
▼
APR7.99%
Term240 months for $100,000 or more on boats, RVs and aircraft loans only
Last UpdatedJul 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Small Vehicle Loans
8.00%
Up to 12 months
▼
APR8.00%
TermUp to 12 months
Last UpdatedJul 16, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
Vehicle Loans
8.09%
96 months
▼
APR8.09%
Term96 months
Last UpdatedJul 12, 2026
Details
Loan Amount: $40,000+
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Small Vehicle Loans
8.25%
24 months
▼
APR8.25%
Term24 months
Last UpdatedJul 16, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
Used Automobile 6-8 Years Old
8.35%
Up to 60 Months
▼
APR8.35%
TermUp to 60 Months
Last UpdatedJul 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Small Vehicle Loans
8.50%
36 months
▼
APR8.50%
Term36 months
Last UpdatedJul 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Small Vehicle Loans
8.75%
48 months
▼
APR8.75%
Term48 months
Last UpdatedJul 16, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
Classic Vehicle Loans
8.99%
Up to 4 years
▼
APR8.99%
TermUp to 4 years
Last UpdatedJul 15, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Small Vehicle Loans
9.00%
60 months
▼
APR9.00%
Term60 months
Last UpdatedJul 16, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
Used Automobile 9 Years & Older
9.00%
Up to 36 Months
▼
APR9.00%
TermUp to 36 Months
Last UpdatedJul 16, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
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%
Used Automobile 9 Years & Older
9.25%
Up to 48 Months
▼
APR9.25%
TermUp to 48 Months
Last UpdatedJul 16, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
Used Automobile 9 Years & Older
9.85%
Up to 60 Months
▼
APR9.85%
TermUp to 60 Months
Last UpdatedJul 16, 2026
Details
North Georgia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
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%
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%
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%
Used Automobile 9 Years & Older
10.10%
Up to 66 Months
▼
APR10.10%
TermUp to 66 Months
Last UpdatedJul 16, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
Used Automobile 9 Years & Older
10.40%
Up to 72 Months
▼
APR10.40%
TermUp to 72 Months
Last UpdatedJul 16, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
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%
Used Automobile 9 Years & Older
11.90%
Up to 84 Months
▼
APR11.90%
TermUp to 84 Months
Last UpdatedJul 16, 2026
Details
Powered by
MonitorBankRates
Garfield New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 5.57%
New Vehicle Loans
3.49%
0-36 months
▼
APR3.49%
Term0-36 months
Last UpdatedJul 11, 2026
Details
As Low As
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
New Vehicles 12-24 months Loan
3.49%
24 Months
▼
APR3.49%
Term24 Months
Last UpdatedJul 16, 2026
Details
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
New Vehicles Loan
3.49%
12-24 months
▼
APR3.49%
Term12-24 months
Last UpdatedJul 16, 2026
Details
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
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%
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%
New Vehicle Loans
3.79%
37-48 months
▼
APR3.79%
Term37-48 months
Last UpdatedJul 11, 2026
Details
As Low As
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 5.57%
New Vehicle Loans
3.99%
49-60 months
▼
APR3.99%
Term49-60 months
Last UpdatedJul 11, 2026
Details
As Low As
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
New Automobile
3.99%
Up to 36 Months
▼
APR3.99%
TermUp to 36 Months
Last UpdatedJul 16, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
New Automobile
3.99%
Up to 48 Months
▼
APR3.99%
TermUp to 48 Months
Last UpdatedJul 16, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
New Automobile
3.99%
Up to 60 Months
▼
APR3.99%
TermUp to 60 Months
Last UpdatedJul 16, 2026
Details
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
New Vehicles 25-36 months Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedJul 16, 2026
Details
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
New Vehicles 37-48 months Loan
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedJul 16, 2026
Details
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
New Vehicles 49-60 months Loan
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedJul 16, 2026
Details
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
New Vehicles Loan
3.99%
25-36 months
▼
APR3.99%
Term25-36 months
Last UpdatedJul 16, 2026
Details
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
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%
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%
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%
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%
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%
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%
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%
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%
New Vehicles 61-72 months Loan
4.29%
72 Months
▼
APR4.29%
Term72 Months
Last UpdatedJul 16, 2026
Details
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
New Vehicles Loan
4.29%
61-72 months
▼
APR4.29%
Term61-72 months
Last UpdatedJul 16, 2026
Details
over $25,000
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
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%
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%
New Vehicles 73-84 months Loan
4.54%
84 Months
▼
APR4.54%
Term84 Months
Last UpdatedJul 16, 2026
Details
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
New Vehicles Loan
4.54%
73-84 months
▼
APR4.54%
Term73-84 months
Last UpdatedJul 16, 2026
Details
Southern Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
NEW AUTO
4.60%
63 MONTHS
▼
APR4.60%
Term63 MONTHS
Last UpdatedJul 16, 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: 5.30%
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedJul 16, 2026
Details
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
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%
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%
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%
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%
New Automobile
4.95%
Up to 66 Months
▼
APR4.95%
TermUp to 66 Months
Last UpdatedJul 16, 2026
Details
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 5.57%
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%
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%
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
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedJul 16, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
New Automobile
5.20%
Up to 72 Months
▼
APR5.20%
TermUp to 72 Months
Last UpdatedJul 16, 2026
Details
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
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%
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%
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%
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%
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%
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%
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%
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.
Glynn County Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
New Car Loan
5.99%
36 Months - 60 Months
▼
APR5.99%
Term36 Months - 60 Months
Last UpdatedJul 16, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
New Auto
6.14%
Up to 84 Months
▼
APR6.14%
TermUp to 84 Months
Last UpdatedJul 16, 2026
Details
North Georgia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
New Autos
6.25%
0-42 Months
▼
APR6.25%
Term0-42 Months
Last UpdatedJul 7, 2026
Details
Glynn County Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
New Car Loan
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedJul 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
6.39%
Up to 12 months
▼
APR6.39%
TermUp to 12 months
Last UpdatedJul 16, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
New Automobile
6.45%
Up to 84 Months
▼
APR6.45%
TermUp to 84 Months
Last UpdatedJul 16, 2026
Details
North Georgia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
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%
New Car Loan
6.50%
up to 84 months
▼
APR6.50%
Termup to 84 months
Last UpdatedJul 11, 2026
Details
Glynn County Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
New Car Loan
6.50%
84 Months - 96 Months
▼
APR6.50%
Term84 Months - 96 Months
Last UpdatedJul 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
6.89%
72 months for $20,000 or more on boats, RVs, aircraft and motorcycle loans only
▼
APR6.89%
Term72 months for $20,000 or more on boats, RVs, aircraft and motorcycle loans only
Last UpdatedJul 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
7.39%
84 months for $30,000 or more on boats, RVs, aircraft and motorcycle loans only
▼
APR7.39%
Term84 months for $30,000 or more on boats, RVs, aircraft and motorcycle loans only
Last UpdatedJul 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
7.59%
120 months for $50,000 or more on boats, RVs and aircraft loans only
▼
APR7.59%
Term120 months for $50,000 or more on boats, RVs and aircraft loans only
Last UpdatedJul 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
7.79%
180 months for $75,000 or more on boats, RVs and aircraft loans only
▼
APR7.79%
Term180 months for $75,000 or more on boats, RVs and aircraft loans only
Last UpdatedJul 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
7.99%
240 months for $100,000 or more on boats, RVs and aircraft loans only
▼
APR7.99%
Term240 months for $100,000 or more on boats, RVs and aircraft loans only
Last UpdatedJul 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Small Vehicle Loans
8.00%
Up to 12 months
▼
APR8.00%
TermUp to 12 months
Last UpdatedJul 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Small Vehicle Loans
8.25%
24 months
▼
APR8.25%
Term24 months
Last UpdatedJul 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Small Vehicle Loans
8.50%
36 months
▼
APR8.50%
Term36 months
Last UpdatedJul 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Small Vehicle Loans
8.75%
48 months
▼
APR8.75%
Term48 months
Last UpdatedJul 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Small Vehicle Loans
9.00%
60 months
▼
APR9.00%
Term60 months
Last UpdatedJul 16, 2026
Details
Powered by
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Garfield 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%
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%
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%
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%
Used Vehicle Loans 0-36 months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedJul 11, 2026
Details
As Low As; *
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Used Vehicles Loan
3.99%
12-24 months
▼
APR3.99%
Term12-24 months
Last UpdatedJul 16, 2026
Details
As Low As; Current Year
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
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%
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%
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 Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 5.57%
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 Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Used Vehicles Loan
4.29%
25-36 months
▼
APR4.29%
Term25-36 months
Last UpdatedJul 16, 2026
Details
As Low As; 2016- Present
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 5.57%
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%
Used Vehicles Loan
4.54%
61-72 months
▼
APR4.54%
Term61-72 months
Last UpdatedJul 16, 2026
Details
As Low As; 2016- Present
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
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%
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 Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 5.57%
Used Vehicle Loans 61-72 months
4.79%
72 Months
▼
APR4.79%
Term72 Months
Last UpdatedJul 11, 2026
Details
As Low As; *
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Used Vehicles Loan
4.79%
73-84 months
▼
APR4.79%
Term73-84 months
Last UpdatedJul 16, 2026
Details
As Low As; 2016- Present
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedJul 16, 2026
Details
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
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%
Used Automobile
5.25%
Up to 36 Months
▼
APR5.25%
TermUp to 36 Months
Last UpdatedJul 16, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
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%
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%
Used Automobile
5.40%
Up to 48 Months
▼
APR5.40%
TermUp to 48 Months
Last UpdatedJul 16, 2026
Details
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 5.57%
Used Vehicle Loans 73-84 months
5.44%
84 Months
▼
APR5.44%
Term84 Months
Last UpdatedJul 11, 2026
Details
As Low As; *
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto
5.49%
Up to 75 Months
▼
APR5.49%
TermUp to 75 Months
Last UpdatedJul 16, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
Used Automobile
5.65%
Up to 60 Months
▼
APR5.65%
TermUp to 60 Months
Last UpdatedJul 16, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
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%
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%
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
Southern Pine Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
Used Auto Loan
5.90%
Up to 72 months
▼
APR5.90%
TermUp to 72 months
Last UpdatedJul 7, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
Used Automobile
5.90%
Up to 66 Months
▼
APR5.90%
TermUp to 66 Months
Last UpdatedJul 16, 2026
Details
Bond Community Federal Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.36%
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.
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto (2018 or older)
5.99%
Up to 60 Months
▼
APR5.99%
TermUp to 60 Months
Last UpdatedJul 16, 2026
Details
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
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%
Used Automobile
6.15%
Up to 72 Months
▼
APR6.15%
TermUp to 72 Months
Last UpdatedJul 16, 2026
Details
Glynn County Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
Used Car 2022-2019 Loan
6.25%
60 Months
▼
APR6.25%
Term60 Months
Last UpdatedJul 16, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
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
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
6.39%
Up to 12 months
▼
APR6.39%
TermUp to 12 months
Last UpdatedJul 16, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto
6.49%
Up to 84 Months
▼
APR6.49%
TermUp to 84 Months
Last UpdatedJul 16, 2026
Details
North Georgia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
Used Autos
6.50%
0-42 Months
▼
APR6.50%
Term0-42 Months
Last UpdatedJul 7, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
Used Automobile 4-5 Years Old
6.50%
Up to 36 Months
▼
APR6.50%
TermUp to 36 Months
Last UpdatedJul 16, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
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
North Georgia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
Used Autos
6.75%
43-72 Months
▼
APR6.75%
Term43-72 Months
Last UpdatedJul 7, 2026
Details
Glynn County Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
Used Car 2014 and Under Loan
6.75%
36 Months
▼
APR6.75%
Term36 Months
Last UpdatedJul 16, 2026
Details
Glynn County Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
Used Car 2018-2014 Loan
6.75%
60 Months
▼
APR6.75%
Term60 Months
Last UpdatedJul 16, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
Used Automobile 4-5 Years Old
6.80%
Up to 48 Months
▼
APR6.80%
TermUp to 48 Months
Last UpdatedJul 16, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
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
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
6.89%
72 months for $20,000 or more on boats, RVs, aircraft and motorcycle loans only
▼
APR6.89%
Term72 months for $20,000 or more on boats, RVs, aircraft and motorcycle loans only
Last UpdatedJul 16, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
Used Automobile 4-5 Years Old
7.00%
Up to 60 Months
▼
APR7.00%
TermUp to 60 Months
Last UpdatedJul 16, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
Used Automobile
7.15%
Up to 84 Months
▼
APR7.15%
TermUp to 84 Months
Last UpdatedJul 16, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
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
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
7.39%
84 months for $30,000 or more on boats, RVs, aircraft and motorcycle loans only
▼
APR7.39%
Term84 months for $30,000 or more on boats, RVs, aircraft and motorcycle loans only
Last UpdatedJul 16, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
Used Automobile 4-5 Years Old
7.50%
Up to 66 Months
▼
APR7.50%
TermUp to 66 Months
Last UpdatedJul 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
7.59%
120 months for $50,000 or more on boats, RVs and aircraft loans only
▼
APR7.59%
Term120 months for $50,000 or more on boats, RVs and aircraft loans only
Last UpdatedJul 16, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
Used Automobile 6-8 Years Old
7.75%
Up to 36 Months
▼
APR7.75%
TermUp to 36 Months
Last UpdatedJul 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
7.79%
180 months for $75,000 or more on boats, RVs and aircraft loans only
▼
APR7.79%
Term180 months for $75,000 or more on boats, RVs and aircraft loans only
Last UpdatedJul 16, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
Used Automobile 6-8 Years Old
7.95%
Up to 48 Months
▼
APR7.95%
TermUp to 48 Months
Last UpdatedJul 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
7.99%
240 months for $100,000 or more on boats, RVs and aircraft loans only
▼
APR7.99%
Term240 months for $100,000 or more on boats, RVs and aircraft loans only
Last UpdatedJul 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Small Vehicle Loans
8.00%
Up to 12 months
▼
APR8.00%
TermUp to 12 months
Last UpdatedJul 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Small Vehicle Loans
8.25%
24 months
▼
APR8.25%
Term24 months
Last UpdatedJul 16, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
Used Automobile 6-8 Years Old
8.35%
Up to 60 Months
▼
APR8.35%
TermUp to 60 Months
Last UpdatedJul 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Small Vehicle Loans
8.50%
36 months
▼
APR8.50%
Term36 months
Last UpdatedJul 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Small Vehicle Loans
8.75%
48 months
▼
APR8.75%
Term48 months
Last UpdatedJul 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Small Vehicle Loans
9.00%
60 months
▼
APR9.00%
Term60 months
Last UpdatedJul 16, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
Used Automobile 9 Years & Older
9.00%
Up to 36 Months
▼
APR9.00%
TermUp to 36 Months
Last UpdatedJul 16, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
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%
Used Automobile 9 Years & Older
9.25%
Up to 48 Months
▼
APR9.25%
TermUp to 48 Months
Last UpdatedJul 16, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
Used Automobile 9 Years & Older
9.85%
Up to 60 Months
▼
APR9.85%
TermUp to 60 Months
Last UpdatedJul 16, 2026
Details
North Georgia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
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%
Used Automobile 9 Years & Older
10.10%
Up to 66 Months
▼
APR10.10%
TermUp to 66 Months
Last UpdatedJul 16, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
Used Automobile 9 Years & Older
10.40%
Up to 72 Months
▼
APR10.40%
TermUp to 72 Months
Last UpdatedJul 16, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
Used Automobile 9 Years & Older
11.90%
Up to 84 Months
▼
APR11.90%
TermUp to 84 Months
Last UpdatedJul 16, 2026
Details
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MonitorBankRates
Garfield, GA Auto Loan Rate Trends
Compare local Garfield, GA 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 Garfield, 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 Garfield, 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 Garfield, 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 Garfield, 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 Garfield, 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 Garfield, 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 Garfield, Georgia?
Based on our current data, some of the lowest auto loan rates available in Garfield, Georgia include:
- CDC Federal Credit Union: 2.70% (Used Auto)
- Credit Union of Georgia: 3.49% (New Vehicle Loans)
- Credit Union Of Atlanta: 3.49% (New Vehicles 12-24 months Loan)
- The Southern Credit Union: 3.50% (New Auto (Model Year 2025 or newer))
- CGR Credit Union: 3.99% (New Automobile)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Garfield, Georgia. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: July 16, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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