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 31–45 of 57 in Georgia · median 4.69% APR
- 4.74%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
60 Month New Auto Loans. Model Year 2024 and Newer. New/Refinance. Rates displayed include the additional All-In Member Pricing interest rate discount up to 0.50% APR. Requirements: 21+ debit or credit card transactions per month (transaction count is not a combination of debit and credit card transactions; debit posted within calendar month, credit posted between 27th of previous month and 26th of current month; excludes ATM/cash) and minimum of $1,500 in direct deposit(s) and/or mobile deposit within last 31 days into qualifying account; must maintain open consumer checking account within same membership. Electronic payment indicated; add 1% for non-electronic payment method.
Auto loan score 83 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - Georgia's Own Credit UnionAuto Model Years 2025 or newer · up to 60 months
Credit union · 27 branches
4.76%APRas low asTerms
Loan amount $3,500 minimum. Approx. term 60 months.
Auto loan score 87 · Carrot Score 83
Rate checked · Auto loans rates on its site
More details - 4.90%APRas low as
Auto loan score 87 · Carrot Score 78
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low as · up to 13.50%
4.99% APR, up to 13.50%
Terms
Fixed APR. Monthly payment. Minimum $25k MSRP.
Auto loan score 84 · Carrot Score 74
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low as
Terms
Starting as low as 4.99% APR for new vehicles
Auto loan score 84
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low as
Terms
Rate is as low as 4.99% APR. Minimum amount financed is $10,000. Promotion applies to applications received between 10/1/2026 through 11/30/2026 for vehicle loans not currently financed at SRP FCU.
Auto loan score 84 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low as
Auto loan score 82 · Carrot Score 94
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low as
Auto loan score 81 · Carrot Score 85
Rate checked · Auto loans rates on its site
More details - 5.00%APRas low as · up to 17.00%
5.00% APR, up to 17.00%
Terms
Up to 100% financing NADA value. Rate is based on creditworthiness criteria. Membership loyalty discounts and competitor rate matching may be available.
Auto loan score 83 · Carrot Score 68
Rate checked · Auto loans rates on its site
More details - 5.05%APRas low as
Terms
Rates as low as. Based on vehicle/vessel year, underwriting, and/or amount borrowed.
Auto loan score 77 · Carrot Score 82
Rate checked · Auto loans rates on its site
More details - 5.24%APRas low as · up to 16.25%
5.24% APR, up to 16.25%
Terms
Rates based on terms, credit score, and other conditions. Terms reflected on the Loan Rate sheet are maximum terms allowed; Credit Union may require shorter repayment terms for certain loan amounts.
Auto loan score 76 · Carrot Score 81
Rate checked · Auto loans rates on its site
More details - 5.35%APRas low as
Terms
2025-2026 Model Year. $10,000 minimum loan amount.
Auto loan score 77 · Carrot Score 82
Rate checked · Auto loans rates on its site
More details - 5.39%APRas low as
Terms
Payment example per $1,000 borrowed: $19.09.
Auto loan score 73 · Carrot Score 68
Rate checked · Auto loans rates on its site
More details - 5.39%APRas low as
Auto loan score 72 · Carrot Score 81
Rate checked · Auto loans rates on its site
More details - 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 72 · Carrot Score 67
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