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 1–7 of 7 in Macon, GA metro · median 4.34% APR
- 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 97 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - CGR Credit UnionNew Automobile - Current Year (Less Than 15,000 miles) · up to 60 months
Credit union · 3 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
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 - 4.34%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 - 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 - 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 71 · Carrot Score 67
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 Macon, GA metro
7 banks and credit unions · checked Oct 17–22
- Typical
- 4.34%
- Top 10% up to
- 3.75%
- Banks, typical
- 5.64%
- Credit unions, typical
- 4.22%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Macon, GA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- American Pride BankBank · 2 branches
- MidSouth Community Federal Credit UnionCredit union · 5 branches