Credit union · NCUA insured
Genuine Parts Credit Union Auto Loan Rates
Genuine Parts Credit Union auto loans start at 5.49% APR for a new vehicle and 5.99% for a used one. Rates checked October 22, 2026.
How Genuine Parts Credit Union’s auto loan rates compare
Compared with banks and credit unions near Atlanta, GA, where Genuine Parts Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Genuine Parts Credit Union
5.49%APR
- Terms
- up to 60 months
- Up to
- 5.99% APR
New Vehicle Loans
Lowest rate
Go Energy Credit Union
3.59%APR
- Terms
- —
- Up to
- —
2nd-lowest rate
On The Grid Financial
3.75%APR
- Terms
- 49–60 months
- Up to
- —
Genuine Parts Credit Union auto loan score
69
Auto loan score
Higher than 24% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed5.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Genuine Parts Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New Vehicle Loans
Vehicle loans are available for the purchase of a new vehicle in the member's state of residence from a dealership and registered in the member's name only (certain exceptions can be made to state residency restrictions). Refinance loans are not currently available. Cannot finance vehicles purchased from a leasing or rental car company. New York state residents are not eligible. Payments are payroll deducted. All loans except Signature Loan are subject to credit approval; credit scores and debt-to-earnings ratio determine rates.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.49%–5.99% | Applies to New Vehicles 2024-2025 never titled up to 60 months. Base Rate 5.49% – 5.99% APR. |
Used Vehicle Loans
Vehicle loans are available for the purchase of a used vehicle in the member's state of residence from a dealership and registered in the member's name only (certain exceptions can be made to state residency restrictions). Refinance loans are not currently available. Cannot finance vehicles purchased from a leasing or rental car company. New York state residents are not eligible. Payments are payroll deducted. All loans except Signature Loan are subject to credit approval; credit scores and debt-to-earnings ratio determine rates.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.99% | Used Vehicles 2023-2024 only up to 60 months. Base Rate 5.99% APR. |
| up to 72 months | 6.49% | Used Vehicles 2023-2024 only at 72 months. Base Rate 6.49% APR. |
| 48–60 months | 6.75% | Used Vehicles 2021 – 2022 (48 months – 60 months). Base Rate 6.75% APR. |
| 36–48 months | 8.50% | Used Vehicles 2019-2020 (36 months-48 months). Base Rate 8.50% APR. |
| up to 36 months | 9.49% | Used Vehicles 2014 – 2018 up to 36 months. Base Rate 9.49% APR. |
Sources (1)
- gpcu.net/loans · captured Oct 7, 2026
Who can join Genuine Parts Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is available to all employees of Genuine Parts Company and its USA subsidiaries who have completed three months of service if full-time and six months of service if part-time.
Cost to join
- Opening a share savings account requires a minimum account balance of $5.00.
Membership information collected October 4, 2026.