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 57 in Georgia · median 4.69% APR
- 3.75%APRas low as
Terms
Applies to 2025 and 2026 vehicles with 15,000 miles or less.
Auto loan score 98
Rate checked · Auto loans rates on its site
More details - 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 98 · Carrot Score 99
Rate checked · Auto loans rates on its site
More details - 3.75%APRas low as
Terms
Rates listed are our best rates (A+ credit) based on credit approval and our lending requirements.
Auto loan score 98 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - CGR Credit UnionNew Automobile - Current Year (Less Than 15,000 miles) · up to 60 months
Credit union · 5 branches
3.75%APRas low as · up to 17.20%3.75% APR, up to 17.20%
Terms
Rate based on creditworthiness and term of loan.
Auto loan score 89 · Carrot Score 83
Rate checked · Auto loans rates on its site
More details - 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 with a maximum term of 60 months.
Auto loan score 87 · Carrot Score 82
Rate checked · Auto loans rates on its site
More details - 3.84%APRas low as
Terms
Rates as low as stated APR. Assumes excellent credit. In partnership with TrueCar.
Auto loan score 92 · Carrot Score 96
Rate checked · Auto loans rates on its site
More details - 3.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
With enrollment in direct deposit. Based on approved credit. New Vehicles. As low as.
Auto loan score 96 · Carrot Score 74
Rate checked · Auto loans rates on its site
More details - 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 a term of up to 48 months at 3.99%. Must qualify for Peach State membership, checking account, and loan. A $15 loan application fee is charged for processing.
Auto loan score 95 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 3.99%APRas low as
Terms
Cars, trucks and vans. Rates quoted for terms 24-74 months are based on minimum loan amount of $15,000. For loan amounts $5,000-$14,999.99, add one percent. For loans up to $4,999.99, add two percent. Minimum loan amount on terms 75 months and up is $25,000.
Auto loan score 94 · Carrot Score 87
Rate checked · Auto loans rates on its site
More details - 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 87 · Carrot Score 95
Rate checked · Auto loans rates on its site
More details - 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
More details - 4.10%APRas low as
Terms
2026 under 15,000 miles.
Auto loan score 93 · Carrot Score 86
Rate checked · Auto loans rates on its site
More details - 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 91
Rate checked · Auto loans rates on its site
More details - 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 93 · Carrot Score 90
Rate checked · Auto loans rates on its site
More details - 4.29%APRas low as · up to 14.59%
4.29% APR, up to 14.59%
Terms
Rates based on creditworthiness and term of loan.
Auto loan score 90 · Carrot Score 86
Rate checked · Auto loans rates on its site
More details
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
57 banks and credit unions · checked Nov 6–14
- Typical
- 4.69%
- Top 10% up to
- 3.93%
- Credit unions, typical
- 4.69%
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
- Georgia Heritage Federal Credit UnionCredit union · 4 branches
- MyGeorgia Credit UnionCredit union · 9 branches