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 16–30 of 36 in Atlanta, GA metro · median 4.67% APR
- 4.50%APRas low as
Terms
Requires 5%-40% down payment.
Auto loan score 87 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.60%APRas low as
Terms
Requires a minimum loan amount of $10,000.
Auto loan score 87 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.65%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Best APR with member rewards discounts
Auto loan score 87 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 4.69%APRas low as
Terms
Rate as low as. Current year with less than 10,000 miles.
Auto loan score 88 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - Georgia's Own Credit UnionAuto Model Years 2025 or newer · up to 60 months
Credit union · 13 branches
4.76%APRas low asTerms
Loan amount $3,500 minimum. Approx. term 60 months.
Auto loan score 86 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Auto loan score 80 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 5.23%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. 5.23% APR is based on an example loan amount of $42,500 for a term of 72 months with monthly payments of $686.61.
Auto loan score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as · up to 16.25%
5.24% APR, up to 16.25%
Auto loan score 75 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 5.34%APRas low as · up to 20.69%with conditions
5.34% APR, up to 20.69%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Available to well-qualified applicants. Includes a 0.25% discount for automated payment from a PNC checking account set up at loan closing; rate increases 0.25% if automated payment is discontinued. Available for 2018-2027 model year non-commercial vehicles with up to 80,000 miles (up to 100,000 miles based on credit qualifications).
Auto loan score 71 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 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 - 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 - 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
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