Compare Bank & Credit Union Rates
Best auto loan rates, new and used
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 1–15 of 36 in Atlanta, GA metro · median 4.67% APR
- 3.59%APRas low as
Terms
Fixed rate - terms vary; contact us for details. To qualify for the 25 basis point discount, borrower must establish automatic loan payments from a Go Energy Credit Union checking account within thirty (30) days of the loan funding date and maintain automatic loan payments throughout the life of the loan.
Auto loan score 98 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 3.75%APRas low as
Terms
Model years 2024 – newer. Rates as low as APR; your rate may be different based on creditworthiness. Rate shown is for purchase of 2024 or newer model vehicle.
Auto loan score 87 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New Vehicles. Requires enrollment in direct deposit. Based on approved credit; actual APR may be higher based on creditworthiness.
Auto loan score 94 · Carrot Score 74
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
Rate is 'as low as'. Subject to credit approval and individual creditworthiness. Estimated monthly payment of $22.58 per $1,000.00 borrowed for up to 48 months. A $15 loan application fee is charged for processing.
Auto loan score 94 · Carrot Score 96
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
0.25% discount offered with automatic payments
Auto loan score 93 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.00%APRas low as
Terms
Model year 2026-2027. Rates based on credit score, term, and vehicle age. Rates subject to change and credit approval.
Auto loan score 94 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.10%APRas low as
Terms
2026 under 15,000 miles.
Auto loan score 92 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low as
Terms
2024 and Newer. Fixed APR as low as listed. Rates and terms are based on year of collateral, loan amount and mileage. Vehicles with over 100,000 miles have a 1% rate increase. Vehicle models 12 years and older have a 2% rate increase. Based on creditworthiness. Flexible terms up to 84 months. No payment for the first 60 days (interest accrues from funding date).
Auto loan score 87 · Carrot Score 90
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as · up to 14.75%
4.25% APR, up to 14.75%
Terms
2027 - 2024 NADA Retail / MSRP. Terms of 72-83 months must finance $15,000 or more. Terms of 84 months or greater must finance $25,000 or more.
Auto loan score 92 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.29%APRas low as
Terms
As low as rate for 37-60 months on new vehicles (2025 and newer model years). Assumes excellent credit.
Auto loan score 88 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.34%APRas low as
Terms
Model years 2025 & newer. Stated as low as.
Auto loan score 87 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.39%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model year: New Auto 2025 & Newer. Rates shown include a 0.25% Relationship Discount for qualified borrowers.
Auto loan score 85 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.45%APRas low as
Terms
Dollar limits: greater than $7,000. Mileage limits: less than 110,000 miles. Rates 'as low as' based on creditworthiness.
Auto loan score 91 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
Estimated monthly payment of $18.68 per $1,000.
Auto loan score 88 · Carrot Score 87
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 Atlanta, GA metro
36 banks and credit unions · checked Oct 15–22
- Typical
- 4.67%
- Top 10% up to
- 3.99%
- Banks, typical
- 5.86%
- Credit unions, typical
- 4.50%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Atlanta, GA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Peach State Federal Credit UnionCredit union · 12 branches
- MembersFirst Credit UnionCredit union · 10 branches
- American Pride BankBank · 1 branch