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 64 in Georgia · median 4.74% APR
- 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 Heritage Federal Credit UnionAuto, Truck, and SUV · up to 60 months
Credit union · 4 branches
4.74%APRas low asAuto loan score 87 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 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 82 · Carrot Score 89
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 · 27 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 - 4.90%APRas low as
Auto loan score 86 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 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 83 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Starting as low as 4.99% APR for new vehicles
Auto loan score 83
Rate checked · Auto loans rates on its site
Rates and branches - 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 83 · Carrot Score 85
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 - 5.00%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 82 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - Community First Credit Union of FloridaNew Auto | 2025 and Newer · 55–70 months
Credit union · 4 branches
5.15%APRas low asAuto loan score 76 · Carrot Score 77
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 - 5.25%APRas low as · up to 7.10%
5.25% APR, up to 7.10%
Terms
Fixed rates for 2024–2026 models. Rates, terms, and conditions are subject to change and may vary based on the age of the vehicle, credit quality, term of the loan, customer relationship, and payment method.
Auto loan score 77 · Carrot Score 73
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
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
64 banks and credit unions · checked Oct 15–22
- Typical
- 4.74%
- Top 10% up to
- 3.78%
- Banks, typical
- 5.64%
- Credit unions, typical
- 4.60%
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
- Peach State Federal Credit UnionCredit union · 25 branches
- PenFed Credit UnionCredit union · 2 branches