Compare Bank & Credit Union Rates
Best auto loan rates in Gainesville, GA
Compare the lowest advertised APRs for new and used vehicle loans from banks and credit unions, with terms, conditions and original sources.
Top new-car loan rates
Showing 1–7 of 7 in Gainesville, GA · median 4.76% APR
- 3.75%APRas low as
Terms
Auto loan rates as low as 3.75% APR. Membership eligibility applies. Subject to credit approval.
Auto loan score 97 · Carrot Score 99
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as · up to 14.39%
3.99% APR, up to 14.39%
Terms
Available September 1 – October 31, 2026. Rate based on creditworthiness, loan terms and other factors.
Auto loan score 94 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Terms
Rates as low as 3.99% for 60 months on New vehicles. APR could vary based on credit history, age of collateral, and length of term.
Auto loan score 86 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 4.76%APRas low as
Terms
Loan amount $3,500 minimum. Approx. term 60 months.
Auto loan score 86 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 5.23%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. 5.23% APR is based on an example loan amount of $42,500 for a term of 72 months with monthly payments of $686.61.
Auto loan score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.64%APRas low as
Terms
Advertised as-low-as APR assumes excellent borrower credit history and is specific to VA. Advertised rate does not include additional BofA Rewards interest rate discount of 0.10% to 0.50%. Rate guaranteed for 30 days from application approval.
Auto loan score 66 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 6.39%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As of September 23, 2026. Fixed-rate loan amortized over 5 years (60 months). Includes discount for autodraft from a First Citizens checking account. APR based upon an interest rate of 6.25% and an origination fee of $100. Up to 84-month terms available for new auto loans / loans greater than $50,000.
Auto loan score 63 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches
Each institution’s lowest advertised APR for the vehicle, at terms that reach 60 months: usually its best-credit rate, so yours depends on your credit, the term and the vehicle. A rate that needs autopay, a checking account or similar says “with conditions”; More filters can leave those out. Refinance, lease buyout, recreational and promotional rates that have ended are left out, and a rate far below what other lenders advertise is listed lower down until it’s checked. Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates. How we rank
What new auto loans cost in Gainesville, GA
7 banks and credit unions · checked Oct 15–22
- Typical
- 4.76%
- Top 10% up to
- 3.89%
- Banks, typical
- 5.64%
- Credit unions, typical
- 3.99%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Gainesville, GA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Lanier Federal Credit UnionCredit union · 2 branches
- MyGeorgia Credit UnionCredit union · 3 branches
- Associated Credit UnionCredit union · 1 branch