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Auto Loan Rates in Valdosta, Georgia (GA) for April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| i Editorial Disclosure
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 Valdosta, Georgia. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates — Last Updated and Verified: April 19, 2026

Current auto loan rates in Valdosta, Georgia include Southern Pine Credit UnionSouthern Pine Credit Union5495 Clyattville Lake Park Rd, Valdosta, GA, 31601 0871A+5.0 ★Texas Ratio: 0.05% offering New Auto (Never Been Titled) Loan at 5.00%, First Commerce Credit UnionFirst Commerce Credit Union1830 Norman Dr Ste B, Valdosta, GA, 31601 8448A+5.0 ★Texas Ratio: 4.91% offering Auto Loan at 5.49%, CDC Federal Credit UnionCDC Federal Credit UnionA+5.0 ★Texas Ratio: 4.26% offering New Auto at 2.50%, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% offering Auto Loans at 3.24%, Credit Union of Georgia Credit UnionCredit Union of Georgia Credit UnionA+5.0 ★Texas Ratio: 5.89% offering New Vehicle Loans at 3.49%. Auto loan rates as of April 19, 2026 according to verified data from MonitorBankRates.

Valdosta has 2 local institutions in our database, with auto loan rates as low as 5.00% APR from Southern Pine Credit Union at 5495 Clyattville Lake Park Rd, Valdosta, GA, 31601 0871. 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 Valdosta, Georgia. Auto Loan Rates Last Updated and Verified: April 19, 2026

Compare Auto Loan Rates Today in Valdosta, Georgia & Surrounding Area

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
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%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedApr 19, 2026
Details

First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.91%
1830 Norman Dr Ste B, Valdosta, GA, 31601 8448
Auto Loan
5.49%
48 months
View
▼
APR5.49%
Term48 months
Last UpdatedApr 19, 2026
Details

GA; As Low As

First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.91%
1830 Norman Dr Ste B, Valdosta, GA, 31601 8448
Auto Loan
5.74%
60 months
View
▼
APR5.74%
Term60 months
Last UpdatedApr 19, 2026
Details

GA; As Low As

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%
72 Months
View
▼
APR5.90%
Term72 Months
Last UpdatedApr 19, 2026
Details

First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.91%
1830 Norman Dr Ste B, Valdosta, GA, 31601 8448
Auto Loan
5.99%
66 months
View
▼
APR5.99%
Term66 months
Last UpdatedApr 19, 2026
Details

GA; As Low As

First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.91%
1830 Norman Dr Ste B, Valdosta, GA, 31601 8448
Auto Loan
6.24%
72 months
View
▼
APR6.24%
Term72 months
Last UpdatedApr 19, 2026
Details

GA; As Low As

First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.91%
1830 Norman Dr Ste B, Valdosta, GA, 31601 8448
Auto Loan
6.49%
72 months
View
▼
APR6.49%
Term72 months
Last UpdatedApr 19, 2026
Details

FL; As Low As

First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.91%
1830 Norman Dr Ste B, Valdosta, GA, 31601 8448
Auto Loan
6.74%
84 months
View
▼
APR6.74%
Term84 months
Last UpdatedApr 19, 2026
Details

GA; As Low As

First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.91%
1830 Norman Dr Ste B, Valdosta, GA, 31601 8448
Auto Loan
6.99%
84 months
View
▼
APR6.99%
Term84 months
Last UpdatedApr 19, 2026
Details

FL; As Low As

First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.91%
1830 Norman Dr Ste B, Valdosta, GA, 31601 8448
Auto Loan
7.24%
84 months
View
▼
APR7.24%
Term84 months
Last UpdatedApr 19, 2026
Details

GA; As Low As

First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.91%
1830 Norman Dr Ste B, Valdosta, GA, 31601 8448
Auto Loan
7.99%
84 months
View
▼
APR7.99%
Term84 months
Last UpdatedApr 19, 2026
Details

Bay; As Low As

CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
New Auto
2.50%
0-24 Months
View
▼
APR2.50%
Term0-24 Months
Last UpdatedApr 18, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.24%
Auto Buying Service
View
▼
APR3.24%
TermAuto Buying Service
Last UpdatedApr 19, 2026
Details

As Low As; APR - 2026 & Newer

CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
New Auto
3.40%
61-72 Months
View
▼
APR3.40%
Term61-72 Months
Last UpdatedApr 18, 2026
Details

Credit Union of Georgia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
New Vehicle Loans
3.49%
0-36
View
▼
APR3.49%
Term0-36
Last UpdatedApr 19, 2026
Details

As Low As

The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Auto (Model Year 2025 or newer)
3.50%
24 Months+
View
▼
APR3.50%
Term24 Months+
Last UpdatedApr 19, 2026
Details

Tesla financing requires 20% equity

The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Auto (Model Year 2016 or newer)
3.75%
24 Months+
View
▼
APR3.75%
Term24 Months+
Last UpdatedApr 19, 2026
Details

Tesla financing requires 20% equity

Credit Union of Georgia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
New Vehicle Loans
3.79%
37-48
View
▼
APR3.79%
Term37-48
Last UpdatedApr 19, 2026
Details

As Low As

Combined Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
NEW & CURRENT MODEL AUTOS (UNDER 15,000 MILES)
3.90%
60 Months
View
▼
APR3.90%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
New Automobile - Current Year (Less Than 15,000 miles)
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.99%
0 - 75 Months
View
▼
APR3.99%
Term0 - 75 Months
Last UpdatedApr 19, 2026
Details

As Low As; APR - 2026 & Newer

Credit Union of Georgia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
New Vehicle Loans
3.99%
49-60
View
▼
APR3.99%
Term49-60
Last UpdatedApr 19, 2026
Details

As Low As

Credit Union of Georgia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
Used Vehicle Loans
3.99%
0-36
View
▼
APR3.99%
Term0-36
Last UpdatedApr 19, 2026
Details

As Low As

The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Auto (Model Year 2025 or newer)
4.00%
60 Months±
View
▼
APR4.00%
Term60 Months±
Last UpdatedApr 19, 2026
Details

Tesla financing requires 20% equity

The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Auto (Model Year 2016 or newer)
4.00%
48 Months~
View
▼
APR4.00%
Term48 Months~
Last UpdatedApr 19, 2026
Details

Tesla financing requires 20% equity

The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Auto (Model Year 2025 or newer)
4.25%
72 Months§
View
▼
APR4.25%
Term72 Months§
Last UpdatedApr 19, 2026
Details

Tesla financing requires 20% equity

The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Auto (Model Year 2016 or newer)
4.25%
60 Months±
View
▼
APR4.25%
Term60 Months±
Last UpdatedApr 19, 2026
Details

Tesla financing requires 20% equity

Credit Union of Georgia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
Used Vehicle Loans
4.29%
37-48
View
▼
APR4.29%
Term37-48
Last UpdatedApr 19, 2026
Details

As Low As

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Cars & Trucks
4.39%
63 months or less
View
▼
APR4.39%
Term63 months or less
Last UpdatedApr 17, 2026
Details

As Low As; Within 3 most recent model years and less than 25,000 miles1

Credit Union of Georgia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
Used Vehicle Loans
4.39%
49-60
View
▼
APR4.39%
Term49-60
Last UpdatedApr 19, 2026
Details

As Low As

CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
New Auto
4.40%
73-84 Months
View
▼
APR4.40%
Term73-84 Months
Last UpdatedApr 18, 2026
Details

Credit Union Of Atlanta Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
Used Vehicles Luxury
4.43%
60 Months
View
▼
APR4.43%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
NEW CAR LOANS (2025 AND NEWER)
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.49%
Auto Buying Service
View
▼
APR4.49%
TermAuto Buying Service
Last UpdatedApr 19, 2026
Details

As Low As; APR - 2023 - 2025*

Credit Union of Georgia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
New Vehicle Loans
4.49%
61-72
View
▼
APR4.49%
Term61-72
Last UpdatedApr 19, 2026
Details

As Low As

Artesian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.12%
Vehicle Loans (Current up to 3 Years Old)
4.50%
3 Years
View
▼
APR4.50%
Term3 Years
Last UpdatedApr 18, 2026
Details

As Low As

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
NEW CAR LOANS (2025 AND NEWER)
4.59%
60 Months
View
▼
APR4.59%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

APCO Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
NEW AUTO
4.60%
63 Months
View
▼
APR4.60%
Term63 Months
Last UpdatedApr 19, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
4.64%
Up to 63 Months
View
▼
APR4.64%
TermUp to 63 Months
Last UpdatedApr 19, 2026
Details

Credit Union Of Atlanta Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
Used Vehicles Classic Cars
4.68%
48 Months
View
▼
APR4.68%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
4.69%
Up to 24 months
View
▼
APR4.69%
TermUp to 24 months
Last UpdatedApr 17, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
4.69%
Up to 24 months
View
▼
APR4.69%
TermUp to 24 months
Last UpdatedApr 17, 2026
Details

As Low As

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Car Loan
4.69%
36 Months
View
▼
APR4.69%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
USED CAR LOANS (2022-2024)
4.69%
36 Months
View
▼
APR4.69%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Combined Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
NEW & CURRENT MODEL AUTOS (UNDER 15,000 MILES)
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Auto (Model Year 2025 or newer)
4.75%
84 Monthsƒ
View
▼
APR4.75%
Term84 Monthsƒ
Last UpdatedApr 19, 2026
Details

Tesla financing requires 20% equity

The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Auto (Model Year 2016 or newer)
4.75%
72 Months§
View
▼
APR4.75%
Term72 Months§
Last UpdatedApr 19, 2026
Details

Tesla financing requires 20% equity

Credit Union of Georgia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
Used Vehicle Loans
4.79%
61-72
View
▼
APR4.79%
Term61-72
Last UpdatedApr 19, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
4.89%
36 months
View
▼
APR4.89%
Term36 months
Last UpdatedApr 17, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
4.89%
36 months
View
▼
APR4.89%
Term36 months
Last UpdatedApr 17, 2026
Details

As Low As

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Cars & Trucks
4.89%
64 - 75 months
View
▼
APR4.89%
Term64 - 75 months
Last UpdatedApr 17, 2026
Details

As Low As; Within 3 most recent model years and less than 25,000 miles1

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
New Automobile - Current Year (Less Than 15,000 miles)
4.95%
66 Months
View
▼
APR4.95%
Term66 Months
Last UpdatedApr 19, 2026
Details

As Low As

Credit Union Of Atlanta Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
Used Vehicles 1 Year Old
4.95%
54 Months
View
▼
APR4.95%
Term54 Months
Last UpdatedApr 19, 2026
Details

As Low As

Credit Union Of Atlanta Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
Used Vehicles 2 Years Old
4.95%
48 Months
View
▼
APR4.95%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Car Loan
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
USED CAR LOANS (2022-2024)
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.99%
0 - 75 Months
View
▼
APR4.99%
Term0 - 75 Months
Last UpdatedApr 19, 2026
Details

As Low As; APR - 2023 - 2025*

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
4.99%
Up to 63 Months
View
▼
APR4.99%
TermUp to 63 Months
Last UpdatedApr 19, 2026
Details

Credit Union of Georgia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
New Vehicle Loans
4.99%
73-84
View
▼
APR4.99%
Term73-84
Last UpdatedApr 19, 2026
Details

As Low As

Family Savings Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.34%
New/ Newer Autos
4.99%
up to 84 months
View
▼
APR4.99%
Termup to 84 months
Last UpdatedApr 19, 2026
Details

Rates subject to credit score, loan term, collateral age/mileage

Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
New Auto Loans - Promotion
4.99%
36, 48, or 60 Months
View
▼
APR4.99%
Term36, 48, or 60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Artesian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.12%
Vehicle Loans (Current up to 3 Years Old)
5.00%
3 Years
View
▼
APR5.00%
Term3 Years
Last UpdatedApr 18, 2026
Details

As Low As

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
NEW CAR LOANS (2025 AND NEWER)
5.09%
72 Months
View
▼
APR5.09%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
5.14%
Up to 75 Months
View
▼
APR5.14%
TermUp to 75 Months
Last UpdatedApr 19, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
5.19%
48 months
View
▼
APR5.19%
Term48 months
Last UpdatedApr 17, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
5.19%
48 months
View
▼
APR5.19%
Term48 months
Last UpdatedApr 17, 2026
Details

As Low As

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
New Automobile - Current Year (Less Than 15,000 miles)
5.20%
72 Months
View
▼
APR5.20%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
New Auto 2025 + Newer
5.24%
36 to 72 Months
View
▼
APR5.24%
Term36 to 72 Months
Last UpdatedApr 19, 2026
Details

As Low As

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile Current Year+ 1-3 Years Old
5.25%
36 Months
View
▼
APR5.25%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Car Loan
5.29%
72 Months
View
▼
APR5.29%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
USED CAR LOANS (2022-2024)
5.29%
72 Months
View
▼
APR5.29%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
5.39%
60 months
View
▼
APR5.39%
Term60 months
Last UpdatedApr 17, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
5.39%
60 months
View
▼
APR5.39%
Term60 months
Last UpdatedApr 17, 2026
Details

As Low As

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Cars & Trucks
5.39%
63 months or less
View
▼
APR5.39%
Term63 months or less
Last UpdatedApr 17, 2026
Details

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile Current Year+ 1-3 Years Old
5.40%
48 Months
View
▼
APR5.40%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Credit Union of Georgia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
Used Vehicle Loans
5.44%
73-84
View
▼
APR5.44%
Term73-84
Last UpdatedApr 19, 2026
Details

As Low As

Credit Union Of Atlanta Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
Used Vehicles 3 Years Old
5.45%
42 Months
View
▼
APR5.45%
Term42 Months
Last UpdatedApr 19, 2026
Details

As Low As

Credit Union Of Atlanta Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
Used Vehicles 4-5 Years Old
5.45%
36 Months
View
▼
APR5.45%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
5.49%
48 months
View
▼
APR5.49%
Term48 months
Last UpdatedApr 17, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
5.49%
48 months
View
▼
APR5.49%
Term48 months
Last UpdatedApr 17, 2026
Details

As Low As

Bond Community Federal Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.01%
New Vehicles
5.49%
36, 60, 72 or 84
View
▼
APR5.49%
Term36, 60, 72 or 84
Last UpdatedApr 18, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
5.49%
Up to 75 Months
View
▼
APR5.49%
TermUp to 75 Months
Last UpdatedApr 19, 2026
Details

Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
New Auto 2025 + Newer
5.49%
73 to 84 Months
View
▼
APR5.49%
Term73 to 84 Months
Last UpdatedApr 19, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
5.59%
72 months
View
▼
APR5.59%
Term72 months
Last UpdatedApr 17, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
5.59%
72 months
View
▼
APR5.59%
Term72 months
Last UpdatedApr 17, 2026
Details

As Low As

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
NEW CAR LOANS (2025 AND NEWER)
5.59%
84 Months
View
▼
APR5.59%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile Current Year+ 1-3 Years Old
5.65%
60 Months
View
▼
APR5.65%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Cars & Trucks
5.69%
76 - 84 months
View
▼
APR5.69%
Term76 - 84 months
Last UpdatedApr 17, 2026
Details

As Low As; Within 3 most recent model years and less than 25,000 miles (invoice or NADA retail value over $12,500)1

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
New & Used Vehicles2
5.74%
Up to 2 years
View
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 18, 2026
Details

Artesian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.12%
Vehicle Loans (4 Years or Older)
5.75%
4 Years
View
▼
APR5.75%
Term4 Years
Last UpdatedApr 18, 2026
Details

Credit Union Of Atlanta Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
Used Vehicles 6-7 Years Old
5.75%
24 Months
View
▼
APR5.75%
Term24 Months
Last UpdatedApr 19, 2026
Details

As Low As

Credit Union Of Atlanta Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
Used Vehicles Over 7 Years Old
5.75%
18 Months
View
▼
APR5.75%
Term18 Months
Last UpdatedApr 19, 2026
Details

As Low As

The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Auto (Model Year 2016 or newer)
5.75%
84 Monthsƒ
View
▼
APR5.75%
Term84 Monthsƒ
Last UpdatedApr 19, 2026
Details

Tesla financing requires 20% equity

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Car Loan
5.79%
84 Months
View
▼
APR5.79%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
USED CAR LOANS (2022-2024)
5.79%
84 Months
View
▼
APR5.79%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Cars & Trucks
5.89%
64 to 75 months
View
▼
APR5.89%
Term64 to 75 months
Last UpdatedApr 17, 2026
Details

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile Current Year+ 1-3 Years Old
5.90%
66 Months
View
▼
APR5.90%
Term66 Months
Last UpdatedApr 19, 2026
Details

As Low As

1st Choice Credit Union
Institution Rating:
A+5.0 ★
New Autos
5.99%
60 months
View
▼
APR5.99%
Term60 months
Last UpdatedApr 8, 2026
Details

As Low As

Glynn County Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
New Car
5.99%
36 Months - 60 Months
View
▼
APR5.99%
Term36 Months - 60 Months
Last UpdatedApr 19, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
5.99%
76 - 84 Months
View
▼
APR5.99%
Term76 - 84 Months
Last UpdatedApr 19, 2026
Details

As Low As; APR - 2023 - 2025*

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto (2018 or older)
5.99%
Up to 60 Months
View
▼
APR5.99%
TermUp to 60 Months
Last UpdatedApr 19, 2026
Details

Family Savings Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.34%
Used Autos
5.99%
up to 84 months
View
▼
APR5.99%
Termup to 84 months
Last UpdatedApr 19, 2026
Details

Rates subject to credit score, loan term, collateral age/mileage

Combined Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
NEW & CURRENT MODEL AUTOS (UNDER 15,000 MILES)
6.00%
84 Months
View
▼
APR6.00%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Combined Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Used Autos (1-3 Years Old)
6.00%
3 Years
View
▼
APR6.00%
Term3 Years
Last UpdatedApr 18, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
6.09%
72 months
View
▼
APR6.09%
Term72 months
Last UpdatedApr 17, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
6.09%
72 months
View
▼
APR6.09%
Term72 months
Last UpdatedApr 17, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
6.14%
Up to 84 Months
View
▼
APR6.14%
TermUp to 84 Months
Last UpdatedApr 19, 2026
Details

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile Current Year+ 1-3 Years Old
6.15%
72 Months
View
▼
APR6.15%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Artesian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.12%
Vehicle Loans (4 Years or Older)
6.25%
4 Years
View
▼
APR6.25%
Term4 Years
Last UpdatedApr 18, 2026
Details

Glynn County Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
New Car
6.25%
72 Months
View
▼
APR6.25%
Term72 Months
Last UpdatedApr 19, 2026
Details

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Cars & Trucks
6.39%
63 months or less
View
▼
APR6.39%
Term63 months or less
Last UpdatedApr 17, 2026
Details

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
USED CAR LOANS (2015-2021)
6.39%
36 Months
View
▼
APR6.39%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
New Automobile - Current Year (Less Than 15,000 miles)
6.45%
84 Months
View
▼
APR6.45%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
6.49%
Up to 84 Months
View
▼
APR6.49%
TermUp to 84 Months
Last UpdatedApr 19, 2026
Details

Glynn County Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
New Car
6.50%
84 Months - 96 Months
View
▼
APR6.50%
Term84 Months - 96 Months
Last UpdatedApr 19, 2026
Details

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 4-5 Years Old
6.50%
36 Months
View
▼
APR6.50%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Cars & Trucks
6.69%
76 to 84 months
View
▼
APR6.69%
Term76 to 84 months
Last UpdatedApr 17, 2026
Details

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
USED CAR LOANS (2015-2021)
6.79%
48 Months
View
▼
APR6.79%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 4-5 Years Old
6.80%
48 Months
View
▼
APR6.80%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
6.89%
84 months
View
▼
APR6.89%
Term84 months
Last UpdatedApr 17, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
6.89%
84 months
View
▼
APR6.89%
Term84 months
Last UpdatedApr 17, 2026
Details

As Low As

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Cars & Trucks
6.89%
64 to 75 months
View
▼
APR6.89%
Term64 to 75 months
Last UpdatedApr 17, 2026
Details

1st Choice Credit Union
Institution Rating:
A+5.0 ★
Used Autos
6.99%
36 months
View
▼
APR6.99%
Term36 months
Last UpdatedApr 8, 2026
Details

As Low As

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 4-5 Years Old
7.00%
60 Months
View
▼
APR7.00%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
7.09%
84 months
View
▼
APR7.09%
Term84 months
Last UpdatedApr 17, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
7.09%
84 months
View
▼
APR7.09%
Term84 months
Last UpdatedApr 17, 2026
Details

As Low As

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile Current Year+ 1-3 Years Old
7.15%
84 Months
View
▼
APR7.15%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 4-5 Years Old
7.50%
66 Months
View
▼
APR7.50%
Term66 Months
Last UpdatedApr 19, 2026
Details

As Low As

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
USED CAR LOANS (2015-2021)
7.59%
60 Months
View
▼
APR7.59%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
7.89%
96 months
View
▼
APR7.89%
Term96 months
Last UpdatedApr 17, 2026
Details

As Low As

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Small Vehicle Loans
8.00%
Up to 12 months
View
▼
APR8.00%
TermUp to 12 months
Last UpdatedApr 19, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
8.09%
96 months
View
▼
APR8.09%
Term96 months
Last UpdatedApr 17, 2026
Details

As Low As

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
USED CAR LOANS (2015-2021)
8.09%
72 Months
View
▼
APR8.09%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Combined Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Used Autos (6-11 Years Old)
8.20%
11 Years
View
▼
APR8.20%
Term11 Years
Last UpdatedApr 18, 2026
Details

As Low As

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Small Vehicle Loans
8.25%
24 months
View
▼
APR8.25%
Term24 months
Last UpdatedApr 19, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Small Vehicle Loans
8.50%
36 months
View
▼
APR8.50%
Term36 months
Last UpdatedApr 19, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Small Vehicle Loans
8.75%
48 months
View
▼
APR8.75%
Term48 months
Last UpdatedApr 19, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Classic Vehicle Loans2
8.99%
Up to 4 years
View
▼
APR8.99%
TermUp to 4 years
Last UpdatedApr 18, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Small Vehicle Loans
9.00%
60 months
View
▼
APR9.00%
Term60 months
Last UpdatedApr 19, 2026
Details

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 9 Years & Older
9.00%
36 Months
View
▼
APR9.00%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 9 Years & Older
9.25%
48 Months
View
▼
APR9.25%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 9 Years & Older
9.85%
60 Months
View
▼
APR9.85%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 9 Years & Older
10.10%
66 Months
View
▼
APR10.10%
Term66 Months
Last UpdatedApr 19, 2026
Details

As Low As

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 9 Years & Older
10.40%
72 Months
View
▼
APR10.40%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 9 Years & Older
11.90%
84 Months
View
▼
APR11.90%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

Artesian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.12%
Vehicle Loans (Current up to 3 Years Old)
14.50%
3 Years
View
▼
APR14.50%
Term3 Years
Last UpdatedApr 18, 2026
Details

Artesian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.12%
Vehicle Loans (Current up to 3 Years Old)
15.00%
3 Years
View
▼
APR15.00%
Term3 Years
Last UpdatedApr 18, 2026
Details

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 4-5 Years Old
16.95%
66 Months
View
▼
APR16.95%
Term66 Months
Last UpdatedApr 19, 2026
Details

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 4-5 Years Old
17.10%
36 Months
View
▼
APR17.10%
Term36 Months
Last UpdatedApr 19, 2026
Details

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 4-5 Years Old
17.20%
48 Months
View
▼
APR17.20%
Term48 Months
Last UpdatedApr 19, 2026
Details

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
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%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedApr 19, 2026
Details

CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
New Auto
2.50%
0-24 Months
View
▼
APR2.50%
Term0-24 Months
Last UpdatedApr 18, 2026
Details

CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
New Auto
3.40%
61-72 Months
View
▼
APR3.40%
Term61-72 Months
Last UpdatedApr 18, 2026
Details

Credit Union of Georgia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
New Vehicle Loans
3.49%
0-36
View
▼
APR3.49%
Term0-36
Last UpdatedApr 19, 2026
Details

As Low As

The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Auto (Model Year 2025 or newer)
3.50%
24 Months+
View
▼
APR3.50%
Term24 Months+
Last UpdatedApr 19, 2026
Details

Tesla financing requires 20% equity

The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Auto (Model Year 2016 or newer)
3.75%
24 Months+
View
▼
APR3.75%
Term24 Months+
Last UpdatedApr 19, 2026
Details

Tesla financing requires 20% equity

Credit Union of Georgia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
New Vehicle Loans
3.79%
37-48
View
▼
APR3.79%
Term37-48
Last UpdatedApr 19, 2026
Details

As Low As

Combined Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
NEW & CURRENT MODEL AUTOS (UNDER 15,000 MILES)
3.90%
60 Months
View
▼
APR3.90%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
New Automobile - Current Year (Less Than 15,000 miles)
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Credit Union of Georgia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
New Vehicle Loans
3.99%
49-60
View
▼
APR3.99%
Term49-60
Last UpdatedApr 19, 2026
Details

As Low As

The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Auto (Model Year 2025 or newer)
4.00%
60 Months±
View
▼
APR4.00%
Term60 Months±
Last UpdatedApr 19, 2026
Details

Tesla financing requires 20% equity

The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Auto (Model Year 2016 or newer)
4.00%
48 Months~
View
▼
APR4.00%
Term48 Months~
Last UpdatedApr 19, 2026
Details

Tesla financing requires 20% equity

The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Auto (Model Year 2025 or newer)
4.25%
72 Months§
View
▼
APR4.25%
Term72 Months§
Last UpdatedApr 19, 2026
Details

Tesla financing requires 20% equity

The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Auto (Model Year 2016 or newer)
4.25%
60 Months±
View
▼
APR4.25%
Term60 Months±
Last UpdatedApr 19, 2026
Details

Tesla financing requires 20% equity

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Cars & Trucks
4.39%
63 months or less
View
▼
APR4.39%
Term63 months or less
Last UpdatedApr 17, 2026
Details

As Low As; Within 3 most recent model years and less than 25,000 miles1

CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
New Auto
4.40%
73-84 Months
View
▼
APR4.40%
Term73-84 Months
Last UpdatedApr 18, 2026
Details

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
NEW CAR LOANS (2025 AND NEWER)
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Credit Union of Georgia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
New Vehicle Loans
4.49%
61-72
View
▼
APR4.49%
Term61-72
Last UpdatedApr 19, 2026
Details

As Low As

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
NEW CAR LOANS (2025 AND NEWER)
4.59%
60 Months
View
▼
APR4.59%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

APCO Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
NEW AUTO
4.60%
63 Months
View
▼
APR4.60%
Term63 Months
Last UpdatedApr 19, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
4.64%
Up to 63 Months
View
▼
APR4.64%
TermUp to 63 Months
Last UpdatedApr 19, 2026
Details

Combined Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
NEW & CURRENT MODEL AUTOS (UNDER 15,000 MILES)
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Auto (Model Year 2025 or newer)
4.75%
84 Monthsƒ
View
▼
APR4.75%
Term84 Monthsƒ
Last UpdatedApr 19, 2026
Details

Tesla financing requires 20% equity

The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Auto (Model Year 2016 or newer)
4.75%
72 Months§
View
▼
APR4.75%
Term72 Months§
Last UpdatedApr 19, 2026
Details

Tesla financing requires 20% equity

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Cars & Trucks
4.89%
64 - 75 months
View
▼
APR4.89%
Term64 - 75 months
Last UpdatedApr 17, 2026
Details

As Low As; Within 3 most recent model years and less than 25,000 miles1

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
New Automobile - Current Year (Less Than 15,000 miles)
4.95%
66 Months
View
▼
APR4.95%
Term66 Months
Last UpdatedApr 19, 2026
Details

As Low As

Credit Union of Georgia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
New Vehicle Loans
4.99%
73-84
View
▼
APR4.99%
Term73-84
Last UpdatedApr 19, 2026
Details

As Low As

Family Savings Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.34%
New/ Newer Autos
4.99%
up to 84 months
View
▼
APR4.99%
Termup to 84 months
Last UpdatedApr 19, 2026
Details

Rates subject to credit score, loan term, collateral age/mileage

Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
New Auto Loans - Promotion
4.99%
36, 48, or 60 Months
View
▼
APR4.99%
Term36, 48, or 60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
NEW CAR LOANS (2025 AND NEWER)
5.09%
72 Months
View
▼
APR5.09%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
5.14%
Up to 75 Months
View
▼
APR5.14%
TermUp to 75 Months
Last UpdatedApr 19, 2026
Details

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
New Automobile - Current Year (Less Than 15,000 miles)
5.20%
72 Months
View
▼
APR5.20%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
New Auto 2025 + Newer
5.24%
36 to 72 Months
View
▼
APR5.24%
Term36 to 72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Bond Community Federal Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.01%
New Vehicles
5.49%
36, 60, 72 or 84
View
▼
APR5.49%
Term36, 60, 72 or 84
Last UpdatedApr 18, 2026
Details

Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
New Auto 2025 + Newer
5.49%
73 to 84 Months
View
▼
APR5.49%
Term73 to 84 Months
Last UpdatedApr 19, 2026
Details

As Low As

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
NEW CAR LOANS (2025 AND NEWER)
5.59%
84 Months
View
▼
APR5.59%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Cars & Trucks
5.69%
76 - 84 months
View
▼
APR5.69%
Term76 - 84 months
Last UpdatedApr 17, 2026
Details

As Low As; Within 3 most recent model years and less than 25,000 miles (invoice or NADA retail value over $12,500)1

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
New & Used Vehicles2
5.74%
Up to 2 years
View
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 18, 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
View
▼
APR5.75%
Term84 Monthsƒ
Last UpdatedApr 19, 2026
Details

Tesla financing requires 20% equity

1st Choice Credit Union
Institution Rating:
A+5.0 ★
New Autos
5.99%
60 months
View
▼
APR5.99%
Term60 months
Last UpdatedApr 8, 2026
Details

As Low As

Glynn County Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
New Car
5.99%
36 Months - 60 Months
View
▼
APR5.99%
Term36 Months - 60 Months
Last UpdatedApr 19, 2026
Details

Combined Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
NEW & CURRENT MODEL AUTOS (UNDER 15,000 MILES)
6.00%
84 Months
View
▼
APR6.00%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
6.14%
Up to 84 Months
View
▼
APR6.14%
TermUp to 84 Months
Last UpdatedApr 19, 2026
Details

Glynn County Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
New Car
6.25%
72 Months
View
▼
APR6.25%
Term72 Months
Last UpdatedApr 19, 2026
Details

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
New Automobile - Current Year (Less Than 15,000 miles)
6.45%
84 Months
View
▼
APR6.45%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

Glynn County Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
New Car
6.50%
84 Months - 96 Months
View
▼
APR6.50%
Term84 Months - 96 Months
Last UpdatedApr 19, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Small Vehicle Loans
8.00%
Up to 12 months
View
▼
APR8.00%
TermUp to 12 months
Last UpdatedApr 19, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Small Vehicle Loans
8.25%
24 months
View
▼
APR8.25%
Term24 months
Last UpdatedApr 19, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Small Vehicle Loans
8.50%
36 months
View
▼
APR8.50%
Term36 months
Last UpdatedApr 19, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Small Vehicle Loans
8.75%
48 months
View
▼
APR8.75%
Term48 months
Last UpdatedApr 19, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Small Vehicle Loans
9.00%
60 months
View
▼
APR9.00%
Term60 months
Last UpdatedApr 19, 2026
Details

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
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%
72 Months
View
▼
APR5.90%
Term72 Months
Last UpdatedApr 19, 2026
Details

The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Auto (Model Year 2016 or newer)
3.75%
24 Months+
View
▼
APR3.75%
Term24 Months+
Last UpdatedApr 19, 2026
Details

Tesla financing requires 20% equity

Credit Union of Georgia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
Used Vehicle Loans
3.99%
0-36
View
▼
APR3.99%
Term0-36
Last UpdatedApr 19, 2026
Details

As Low As

The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Auto (Model Year 2016 or newer)
4.00%
48 Months~
View
▼
APR4.00%
Term48 Months~
Last UpdatedApr 19, 2026
Details

Tesla financing requires 20% equity

The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Auto (Model Year 2016 or newer)
4.25%
60 Months±
View
▼
APR4.25%
Term60 Months±
Last UpdatedApr 19, 2026
Details

Tesla financing requires 20% equity

Credit Union of Georgia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
Used Vehicle Loans
4.29%
37-48
View
▼
APR4.29%
Term37-48
Last UpdatedApr 19, 2026
Details

As Low As

Credit Union of Georgia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
Used Vehicle Loans
4.39%
49-60
View
▼
APR4.39%
Term49-60
Last UpdatedApr 19, 2026
Details

As Low As

Credit Union Of Atlanta Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
Used Vehicles Luxury
4.43%
60 Months
View
▼
APR4.43%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Credit Union Of Atlanta Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
Used Vehicles Classic Cars
4.68%
48 Months
View
▼
APR4.68%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Car Loan
4.69%
36 Months
View
▼
APR4.69%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
USED CAR LOANS (2022-2024)
4.69%
36 Months
View
▼
APR4.69%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Auto (Model Year 2016 or newer)
4.75%
72 Months§
View
▼
APR4.75%
Term72 Months§
Last UpdatedApr 19, 2026
Details

Tesla financing requires 20% equity

Credit Union of Georgia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
Used Vehicle Loans
4.79%
61-72
View
▼
APR4.79%
Term61-72
Last UpdatedApr 19, 2026
Details

As Low As

Credit Union Of Atlanta Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
Used Vehicles 1 Year Old
4.95%
54 Months
View
▼
APR4.95%
Term54 Months
Last UpdatedApr 19, 2026
Details

As Low As

Credit Union Of Atlanta Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
Used Vehicles 2 Years Old
4.95%
48 Months
View
▼
APR4.95%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Car Loan
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
USED CAR LOANS (2022-2024)
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
4.99%
Up to 63 Months
View
▼
APR4.99%
TermUp to 63 Months
Last UpdatedApr 19, 2026
Details

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile Current Year+ 1-3 Years Old
5.25%
36 Months
View
▼
APR5.25%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Car Loan
5.29%
72 Months
View
▼
APR5.29%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
USED CAR LOANS (2022-2024)
5.29%
72 Months
View
▼
APR5.29%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Cars & Trucks
5.39%
63 months or less
View
▼
APR5.39%
Term63 months or less
Last UpdatedApr 17, 2026
Details

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile Current Year+ 1-3 Years Old
5.40%
48 Months
View
▼
APR5.40%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Credit Union of Georgia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
Used Vehicle Loans
5.44%
73-84
View
▼
APR5.44%
Term73-84
Last UpdatedApr 19, 2026
Details

As Low As

Credit Union Of Atlanta Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
Used Vehicles 3 Years Old
5.45%
42 Months
View
▼
APR5.45%
Term42 Months
Last UpdatedApr 19, 2026
Details

As Low As

Credit Union Of Atlanta Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
Used Vehicles 4-5 Years Old
5.45%
36 Months
View
▼
APR5.45%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
5.49%
Up to 75 Months
View
▼
APR5.49%
TermUp to 75 Months
Last UpdatedApr 19, 2026
Details

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile Current Year+ 1-3 Years Old
5.65%
60 Months
View
▼
APR5.65%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
New & Used Vehicles2
5.74%
Up to 2 years
View
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 18, 2026
Details

Credit Union Of Atlanta Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
Used Vehicles 6-7 Years Old
5.75%
24 Months
View
▼
APR5.75%
Term24 Months
Last UpdatedApr 19, 2026
Details

As Low As

Credit Union Of Atlanta Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
Used Vehicles Over 7 Years Old
5.75%
18 Months
View
▼
APR5.75%
Term18 Months
Last UpdatedApr 19, 2026
Details

As Low As

The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Auto (Model Year 2016 or newer)
5.75%
84 Monthsƒ
View
▼
APR5.75%
Term84 Monthsƒ
Last UpdatedApr 19, 2026
Details

Tesla financing requires 20% equity

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Car Loan
5.79%
84 Months
View
▼
APR5.79%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
USED CAR LOANS (2022-2024)
5.79%
84 Months
View
▼
APR5.79%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Cars & Trucks
5.89%
64 to 75 months
View
▼
APR5.89%
Term64 to 75 months
Last UpdatedApr 17, 2026
Details

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile Current Year+ 1-3 Years Old
5.90%
66 Months
View
▼
APR5.90%
Term66 Months
Last UpdatedApr 19, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto (2018 or older)
5.99%
Up to 60 Months
View
▼
APR5.99%
TermUp to 60 Months
Last UpdatedApr 19, 2026
Details

Family Savings Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.34%
Used Autos
5.99%
up to 84 months
View
▼
APR5.99%
Termup to 84 months
Last UpdatedApr 19, 2026
Details

Rates subject to credit score, loan term, collateral age/mileage

Combined Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Used Autos (1-3 Years Old)
6.00%
3 Years
View
▼
APR6.00%
Term3 Years
Last UpdatedApr 18, 2026
Details

As Low As

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile Current Year+ 1-3 Years Old
6.15%
72 Months
View
▼
APR6.15%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Cars & Trucks
6.39%
63 months or less
View
▼
APR6.39%
Term63 months or less
Last UpdatedApr 17, 2026
Details

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
USED CAR LOANS (2015-2021)
6.39%
36 Months
View
▼
APR6.39%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
6.49%
Up to 84 Months
View
▼
APR6.49%
TermUp to 84 Months
Last UpdatedApr 19, 2026
Details

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 4-5 Years Old
6.50%
36 Months
View
▼
APR6.50%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Cars & Trucks
6.69%
76 to 84 months
View
▼
APR6.69%
Term76 to 84 months
Last UpdatedApr 17, 2026
Details

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
USED CAR LOANS (2015-2021)
6.79%
48 Months
View
▼
APR6.79%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 4-5 Years Old
6.80%
48 Months
View
▼
APR6.80%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Cars & Trucks
6.89%
64 to 75 months
View
▼
APR6.89%
Term64 to 75 months
Last UpdatedApr 17, 2026
Details

1st Choice Credit Union
Institution Rating:
A+5.0 ★
Used Autos
6.99%
36 months
View
▼
APR6.99%
Term36 months
Last UpdatedApr 8, 2026
Details

As Low As

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 4-5 Years Old
7.00%
60 Months
View
▼
APR7.00%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile Current Year+ 1-3 Years Old
7.15%
84 Months
View
▼
APR7.15%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 4-5 Years Old
7.50%
66 Months
View
▼
APR7.50%
Term66 Months
Last UpdatedApr 19, 2026
Details

As Low As

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
USED CAR LOANS (2015-2021)
7.59%
60 Months
View
▼
APR7.59%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Small Vehicle Loans
8.00%
Up to 12 months
View
▼
APR8.00%
TermUp to 12 months
Last UpdatedApr 19, 2026
Details

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
USED CAR LOANS (2015-2021)
8.09%
72 Months
View
▼
APR8.09%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Combined Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Used Autos (6-11 Years Old)
8.20%
11 Years
View
▼
APR8.20%
Term11 Years
Last UpdatedApr 18, 2026
Details

As Low As

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Small Vehicle Loans
8.25%
24 months
View
▼
APR8.25%
Term24 months
Last UpdatedApr 19, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Small Vehicle Loans
8.50%
36 months
View
▼
APR8.50%
Term36 months
Last UpdatedApr 19, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Small Vehicle Loans
8.75%
48 months
View
▼
APR8.75%
Term48 months
Last UpdatedApr 19, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Small Vehicle Loans
9.00%
60 months
View
▼
APR9.00%
Term60 months
Last UpdatedApr 19, 2026
Details

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 9 Years & Older
9.00%
36 Months
View
▼
APR9.00%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 9 Years & Older
9.25%
48 Months
View
▼
APR9.25%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 9 Years & Older
9.85%
60 Months
View
▼
APR9.85%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 9 Years & Older
10.10%
66 Months
View
▼
APR10.10%
Term66 Months
Last UpdatedApr 19, 2026
Details

As Low As

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 9 Years & Older
10.40%
72 Months
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▼
APR10.40%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 9 Years & Older
11.90%
84 Months
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▼
APR11.90%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 4-5 Years Old
16.95%
66 Months
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▼
APR16.95%
Term66 Months
Last UpdatedApr 19, 2026
Details

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 4-5 Years Old
17.10%
36 Months
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▼
APR17.10%
Term36 Months
Last UpdatedApr 19, 2026
Details

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 4-5 Years Old
17.20%
48 Months
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▼
APR17.20%
Term48 Months
Last UpdatedApr 19, 2026
Details

Valdosta, GA Auto Loan Rate Trends

Compare local Valdosta, 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.

View Full Georgia Auto Trends →
New Auto Loan — GA Avg
4.502%
▲ 0.003 vs 7 days ago

Georgia new auto rates rose 0.003 points over the past 7 days to 4.502% APR.

Used Auto Loan — GA Avg
5.965%
Unchanged vs 7 days ago

Georgia used auto loan rates currently average 5.965% APR.

As of Apr 23, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about Auto Loans in Valdosta, 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 Valdosta, 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 Valdosta, 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 Valdosta, Georgia?

Based on our current data, some of the lowest auto loan rates available in Valdosta, Georgia include:
  • Southern Pine Credit Union: 5.00% (New Auto (Never Been Titled) Loan)
  • First Commerce Credit Union: 5.49% (Auto Loan)
  • CDC Federal Credit Union: 2.50% (New Auto)
  • Baxter Credit Union: 3.24% (Auto Loans)
  • Credit Union of Georgia Credit Union: 3.49% (New Vehicle Loans)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Valdosta, Georgia. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 19, 2026

Valdosta, Georgia Rates & Resources

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