Compare Bank & Credit Union Rates
Best auto loan rates in Georgia
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 46–60 of 64 in Georgia · median 4.74% APR
- 5.39%APRas low as
Terms
Payment example per $1,000 borrowed: $19.09.
Auto loan score 72 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.39%APRas low as
Auto loan score 71 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - Macon-Bibb Employees CUNew/Current Year (Under 15,000 Miles) · up to 60 months
Credit union · 1 branch
5.40%APRas low as · up to 13.60%5.40% APR, up to 13.60%
Terms
Rates tiered by credit score grade: A+ (720 and up): 5.40%, A (685 - 719): 5.40%, B (655 - 684): 6.00%, C (620 - 654): 13.60%. Rates for D and E are unavailable.
Auto loan score 71 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
APR based on TransUnion credit score of 730 or above.
Auto loan score 72 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Fixed APR as low as 5.49%. Terms of 36, 60, 72, or 84 months according to vehicle value. Financing up to 100% of list price.
Auto loan score 69 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as · up to 5.99%
5.49% APR, up to 5.99%
Terms
Applies to New Vehicles 2024-2025 never titled up to 60 months. Base Rate 5.49% – 5.99% APR.
Auto loan score 69 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - Copper Basin Federal Credit UnionNew & Used Vehicles 2026 - 2021 · up to 60 months
Credit union · 1 branch
5.50%APRas low asTerms
Rates as low as.
Auto loan score 67 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 5.51%APRas low as
Terms
Rates as low as. Based on vehicle/vessel year, underwriting, and/or amount borrowed.
Auto loan score 68 · Carrot Score 81
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 - 5.74%APRas low as
Terms
Length of loan 5 Years. Credit scores of 750+ will lower the rate. Rate based on creditworthiness and term of loan.
Auto loan score 66 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
As low as rate based on creditworthiness. Members who purchase through Auto Assistance get 0.50% off qualifying rate.
Auto loan score 66 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
Rate based on creditworthiness and term of loan.
Auto loan score 65 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 6.00%APRas low as
Terms
Model Year: New (25 or 26 only). Rates quoted are for well-qualified buyers; actual rate and term determined by creditworthiness and ability to repay.
Auto loan score 64 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 6.09%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates as low as 6.09% APR. Requires minimum credit score of 780 and automatic payments from a Seacoast Bank deposit account. Example: $30,000 loan for 60 months at 6.087% APR results in monthly payment of $581.20 plus a one-time $250 processing fee. Maximum APR is 18%. Valid for terms 12 to 75 months. Additional third-party closing fees may apply for state-required doc stamps and recording fees.
Auto loan score 64
Rate checked · Auto loans rates on its site
Rates and branches - 6.24%APRas low as
Terms
Based on 60 months and $45,000 financing amount with $0 down payment for online applicants with excellent credit. Rate discount of 0.25% may be available for Chase customers maintaining an average daily combined balance of $150,000 or more across eligible accounts.
Auto loan score 64 · Carrot Score 60
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 Georgia
64 banks and credit unions · checked Oct 15–22
- Typical
- 4.74%
- Top 10% up to
- 3.78%
- Banks, typical
- 5.64%
- Credit unions, typical
- 4.60%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Georgia
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Lanier Federal Credit UnionCredit union · 3 branches
- Peach State Federal Credit UnionCredit union · 25 branches
- PenFed Credit UnionCredit union · 2 branches