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 46–57 of 57 in Georgia · median 4.69% APR
- 5.49%APRas low as
Terms
APR based on TransUnion credit score of 730 or above.
Auto loan score 73 · Carrot Score 71
Rate checked · Auto loans rates on its site
More details - 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 70 · Carrot Score 77
Rate checked · Auto loans rates on its site
More details - 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 70
Rate checked · Auto loans rates on its site
More details - 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 68 · Carrot Score 65
Rate checked · Auto loans rates on its site
More details - Community First Credit Union of FloridaNew Auto | 2025 and Newer · 55–70 months
Credit union · 1 branch
5.60%APRas low asAuto loan score 69 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 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 72
Rate checked · Auto loans rates on its site
More details - 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 67 · Carrot Score 66
Rate checked · Auto loans rates on its site
More details - 5.99%APRas low as
Terms
Rate based on creditworthiness and term of loan.
Auto loan score 65 · Carrot Score 75
Rate checked · Auto loans rates on its site
More details - 6.24%APRas low as · up to 16.49%with conditions
6.24% APR, up to 16.49%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Lowest rate includes automatic payment and electronic document discount.
Auto loan score 64 · Carrot Score 85
Rate checked · Auto loans rates on its site
More details - 6.50%APRas low as · up to 16.50%
6.50% APR, up to 16.50%
Terms
over $20,000.00; Checking Account allows 0.25% deduction; Payroll Loan Payment allows 0.25% deduction
Auto loan score 63 · Carrot Score 62
Rate checked · Auto loans rates on its site
More details - 6.75%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 62 · Carrot Score 79
Rate checked · Auto loans rates on its site
More details - 7.25%APRas low as · up to 13.25%
7.25% APR, up to 13.25%
Auto loan score 61 · Carrot Score 89
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