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Auto Loan Rates in Alpharetta, Georgia (GA) for May 2026

Content reviewed by
Brian McKay Brian McKay
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Alpharetta, Georgia. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates — Last Updated and Verified: May 4, 2026

Current auto loan rates in Alpharetta, Georgia include UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit Union5800 Windward Pkwy, Alpharetta, GA, 30005B4.4 ★Texas Ratio: 21.76% offering New & Used Vehicles2 at 5.74%, Delta Community Credit UnionDelta Community Credit Union11575 Haynes Bridge Rd, Alpharetta, GA, 30009A+5.0 ★Texas Ratio: 1.57% offering New and Used Small Vehicle Loans at 8.00%, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% offering Auto Loans at 3.24%, Credit Union of Georgia Credit UnionCredit Union of Georgia Credit UnionA+5.0 ★Texas Ratio: 5.89% offering New Vehicle Loans at 3.49%, The Southern Credit UnionThe Southern Credit UnionA+5.0 ★Texas Ratio: 0.35% offering New Auto (Model Year 2025 or newer) at 3.50%. Auto loan rates as of May 4, 2026 according to verified data from MonitorBankRates.

Alpharetta has 2 local institutions in our database, with auto loan rates as low as 5.74% APR from UNIFY Financial Federal Credit Union at 5800 Windward Pkwy, Alpharetta, GA, 30005. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.

Auto loan rates reflect recent market quotes and representative offers available to borrowers in Alpharetta, Georgia. Auto Loan Rates Last Updated and Verified: May 4, 2026

Compare Auto Loan Rates Today in Alpharetta, Georgia & Surrounding Area

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
5800 Windward Pkwy, Alpharetta, GA, 30005
New & Used Vehicles2
5.74%
Up to 2 years
View
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 18, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
11575 Haynes Bridge Rd, Alpharetta, GA, 30009
New and Used Small Vehicle Loans
8.00%
Up to 12 months
View
▼
APR8.00%
TermUp to 12 months
Last UpdatedApr 19, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
11575 Haynes Bridge Rd, Alpharetta, GA, 30009
New and Used Small Vehicle Loans
8.25%
24 months
View
▼
APR8.25%
Term24 months
Last UpdatedApr 19, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
11575 Haynes Bridge Rd, Alpharetta, GA, 30009
New and Used Small Vehicle Loans
8.50%
36 months
View
▼
APR8.50%
Term36 months
Last UpdatedApr 19, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
11575 Haynes Bridge Rd, Alpharetta, GA, 30009
New and Used Small Vehicle Loans
8.75%
48 months
View
▼
APR8.75%
Term48 months
Last UpdatedApr 19, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
5800 Windward Pkwy, Alpharetta, GA, 30005
Classic Vehicle Loans2
8.99%
Up to 4 years
View
▼
APR8.99%
TermUp to 4 years
Last UpdatedApr 18, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
11575 Haynes Bridge Rd, Alpharetta, GA, 30009
New and Used Small Vehicle Loans
9.00%
60 months
View
▼
APR9.00%
Term60 months
Last UpdatedApr 19, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.24%
Auto Buying Service
View
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMay 2, 2026
Details

As Low As; APR - 2026 & Newer

Credit Union of Georgia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
New Vehicle Loans
3.49%
0-36
View
▼
APR3.49%
Term0-36
Last UpdatedMay 2, 2026
Details

As Low As

The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Auto (Model Year 2025 or newer)
3.50%
24 Months+
View
▼
APR3.50%
Term24 Months+
Last UpdatedMay 2, 2026
Details

Tesla financing requires 20% equity

The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Auto (Model Year 2016 or newer)
3.75%
24 Months+
View
▼
APR3.75%
Term24 Months+
Last UpdatedMay 2, 2026
Details

Tesla financing requires 20% equity

Credit Union of Georgia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
New Vehicle Loans
3.79%
37-48
View
▼
APR3.79%
Term37-48
Last UpdatedMay 2, 2026
Details

As Low As

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
New Automobile - Current Year (Less Than 15,000 miles)
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.99%
0 - 75 Months
View
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMay 2, 2026
Details

As Low As; APR - 2026 & Newer

Credit Union of Georgia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
New Vehicle Loans
3.99%
49-60
View
▼
APR3.99%
Term49-60
Last UpdatedMay 2, 2026
Details

As Low As

Credit Union of Georgia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
Used Vehicle Loans
3.99%
0-36
View
▼
APR3.99%
Term0-36
Last UpdatedMay 2, 2026
Details

As Low As

The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Auto (Model Year 2025 or newer)
4.00%
60 Months±
View
▼
APR4.00%
Term60 Months±
Last UpdatedMay 2, 2026
Details

Tesla financing requires 20% equity

The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Auto (Model Year 2016 or newer)
4.00%
48 Months~
View
▼
APR4.00%
Term48 Months~
Last UpdatedMay 2, 2026
Details

Tesla financing requires 20% equity

The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Auto (Model Year 2025 or newer)
4.25%
72 Months§
View
▼
APR4.25%
Term72 Months§
Last UpdatedMay 2, 2026
Details

Tesla financing requires 20% equity

The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Auto (Model Year 2016 or newer)
4.25%
60 Months±
View
▼
APR4.25%
Term60 Months±
Last UpdatedMay 2, 2026
Details

Tesla financing requires 20% equity

Credit Union of Georgia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
Used Vehicle Loans
4.29%
37-48
View
▼
APR4.29%
Term37-48
Last UpdatedMay 2, 2026
Details

As Low As

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Cars & Trucks
4.39%
63 months or less
View
▼
APR4.39%
Term63 months or less
Last UpdatedApr 17, 2026
Details

As Low As; Within 3 most recent model years and less than 25,000 miles1

Credit Union of Georgia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
Used Vehicle Loans
4.39%
49-60
View
▼
APR4.39%
Term49-60
Last UpdatedMay 2, 2026
Details

As Low As

Credit Union Of Atlanta Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
Used Vehicles Luxury
4.43%
60 Months
View
▼
APR4.43%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
NEW CAR LOANS (2025 AND NEWER)
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.49%
Auto Buying Service
View
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMay 2, 2026
Details

As Low As; APR - 2023 - 2025*

Credit Union of Georgia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
New Vehicle Loans
4.49%
61-72
View
▼
APR4.49%
Term61-72
Last UpdatedMay 2, 2026
Details

As Low As

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
NEW CAR LOANS (2025 AND NEWER)
4.59%
60 Months
View
▼
APR4.59%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

APCO Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
NEW AUTO
4.60%
63 Months
View
▼
APR4.60%
Term63 Months
Last UpdatedApr 19, 2026
Details

As Low As

Credit Union Of Atlanta Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
Used Vehicles Classic Cars
4.68%
48 Months
View
▼
APR4.68%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
4.69%
Up to 24 months
View
▼
APR4.69%
TermUp to 24 months
Last UpdatedApr 17, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
4.69%
Up to 24 months
View
▼
APR4.69%
TermUp to 24 months
Last UpdatedApr 17, 2026
Details

As Low As

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Car Loan
4.69%
36 Months
View
▼
APR4.69%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
USED CAR LOANS (2022-2024)
4.69%
36 Months
View
▼
APR4.69%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Auto (Model Year 2025 or newer)
4.75%
84 Monthsƒ
View
▼
APR4.75%
Term84 Monthsƒ
Last UpdatedMay 2, 2026
Details

Tesla financing requires 20% equity

The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Auto (Model Year 2016 or newer)
4.75%
72 Months§
View
▼
APR4.75%
Term72 Months§
Last UpdatedMay 2, 2026
Details

Tesla financing requires 20% equity

Credit Union of Georgia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
Used Vehicle Loans
4.79%
61-72
View
▼
APR4.79%
Term61-72
Last UpdatedMay 2, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
4.89%
36 months
View
▼
APR4.89%
Term36 months
Last UpdatedApr 17, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
4.89%
36 months
View
▼
APR4.89%
Term36 months
Last UpdatedApr 17, 2026
Details

As Low As

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Cars & Trucks
4.89%
64 - 75 months
View
▼
APR4.89%
Term64 - 75 months
Last UpdatedApr 17, 2026
Details

As Low As; Within 3 most recent model years and less than 25,000 miles1

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
New Automobile - Current Year (Less Than 15,000 miles)
4.95%
66 Months
View
▼
APR4.95%
Term66 Months
Last UpdatedApr 19, 2026
Details

As Low As

Credit Union Of Atlanta Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
Used Vehicles 1 Year Old
4.95%
54 Months
View
▼
APR4.95%
Term54 Months
Last UpdatedApr 19, 2026
Details

As Low As

Credit Union Of Atlanta Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
Used Vehicles 2 Years Old
4.95%
48 Months
View
▼
APR4.95%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Car Loan
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
USED CAR LOANS (2022-2024)
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.99%
0 - 75 Months
View
▼
APR4.99%
Term0 - 75 Months
Last UpdatedMay 2, 2026
Details

As Low As; APR - 2023 - 2025*

Credit Union of Georgia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
New Vehicle Loans
4.99%
73-84
View
▼
APR4.99%
Term73-84
Last UpdatedMay 2, 2026
Details

As Low As

Family Savings Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.34%
New/ Newer Autos
4.99%
up to 84 months
View
▼
APR4.99%
Termup to 84 months
Last UpdatedMay 2, 2026
Details

Rates subject to credit score, loan term, collateral age/mileage

Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
New Auto Loans - Promotion
4.99%
36, 48, or 60 Months
View
▼
APR4.99%
Term36, 48, or 60 Months
Last UpdatedMay 2, 2026
Details

As Low As

Southern Pine Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
New Auto (Never Been Titled) Loan
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedApr 19, 2026
Details

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
NEW CAR LOANS (2025 AND NEWER)
5.09%
72 Months
View
▼
APR5.09%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
5.19%
48 months
View
▼
APR5.19%
Term48 months
Last UpdatedApr 17, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
5.19%
48 months
View
▼
APR5.19%
Term48 months
Last UpdatedApr 17, 2026
Details

As Low As

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
New Automobile - Current Year (Less Than 15,000 miles)
5.20%
72 Months
View
▼
APR5.20%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
New Auto 2025 + Newer
5.24%
36 to 72 Months
View
▼
APR5.24%
Term36 to 72 Months
Last UpdatedMay 2, 2026
Details

As Low As

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile Current Year+ 1-3 Years Old
5.25%
36 Months
View
▼
APR5.25%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Car Loan
5.29%
72 Months
View
▼
APR5.29%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
USED CAR LOANS (2022-2024)
5.29%
72 Months
View
▼
APR5.29%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
5.39%
60 months
View
▼
APR5.39%
Term60 months
Last UpdatedApr 17, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
5.39%
60 months
View
▼
APR5.39%
Term60 months
Last UpdatedApr 17, 2026
Details

As Low As

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Cars & Trucks
5.39%
63 months or less
View
▼
APR5.39%
Term63 months or less
Last UpdatedApr 17, 2026
Details

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile Current Year+ 1-3 Years Old
5.40%
48 Months
View
▼
APR5.40%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Credit Union of Georgia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
Used Vehicle Loans
5.44%
73-84
View
▼
APR5.44%
Term73-84
Last UpdatedMay 2, 2026
Details

As Low As

Credit Union Of Atlanta Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
Used Vehicles 3 Years Old
5.45%
42 Months
View
▼
APR5.45%
Term42 Months
Last UpdatedApr 19, 2026
Details

As Low As

Credit Union Of Atlanta Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
Used Vehicles 4-5 Years Old
5.45%
36 Months
View
▼
APR5.45%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
5.49%
48 months
View
▼
APR5.49%
Term48 months
Last UpdatedApr 17, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
5.49%
48 months
View
▼
APR5.49%
Term48 months
Last UpdatedApr 17, 2026
Details

As Low As

Bond Community Federal Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.01%
New Vehicles
5.49%
36, 60, 72 or 84
View
▼
APR5.49%
Term36, 60, 72 or 84
Last UpdatedApr 18, 2026
Details

First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.91%
Auto Loan
5.49%
48 months
View
▼
APR5.49%
Term48 months
Last UpdatedMay 2, 2026
Details

GA; As Low As

Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
New Auto 2025 + Newer
5.49%
73 to 84 Months
View
▼
APR5.49%
Term73 to 84 Months
Last UpdatedMay 2, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
5.59%
72 months
View
▼
APR5.59%
Term72 months
Last UpdatedApr 17, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
5.59%
72 months
View
▼
APR5.59%
Term72 months
Last UpdatedApr 17, 2026
Details

As Low As

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
NEW CAR LOANS (2025 AND NEWER)
5.59%
84 Months
View
▼
APR5.59%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile Current Year+ 1-3 Years Old
5.65%
60 Months
View
▼
APR5.65%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Cars & Trucks
5.69%
76 - 84 months
View
▼
APR5.69%
Term76 - 84 months
Last UpdatedApr 17, 2026
Details

As Low As; Within 3 most recent model years and less than 25,000 miles (invoice or NADA retail value over $12,500)1

First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.91%
Auto Loan
5.74%
60 months
View
▼
APR5.74%
Term60 months
Last UpdatedMay 2, 2026
Details

GA; As Low As

Credit Union Of Atlanta Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
Used Vehicles 6-7 Years Old
5.75%
24 Months
View
▼
APR5.75%
Term24 Months
Last UpdatedApr 19, 2026
Details

As Low As

Credit Union Of Atlanta Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
Used Vehicles Over 7 Years Old
5.75%
18 Months
View
▼
APR5.75%
Term18 Months
Last UpdatedApr 19, 2026
Details

As Low As

The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Auto (Model Year 2016 or newer)
5.75%
84 Monthsƒ
View
▼
APR5.75%
Term84 Monthsƒ
Last UpdatedMay 2, 2026
Details

Tesla financing requires 20% equity

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Car Loan
5.79%
84 Months
View
▼
APR5.79%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
USED CAR LOANS (2022-2024)
5.79%
84 Months
View
▼
APR5.79%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Cars & Trucks
5.89%
64 to 75 months
View
▼
APR5.89%
Term64 to 75 months
Last UpdatedApr 17, 2026
Details

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile Current Year+ 1-3 Years Old
5.90%
66 Months
View
▼
APR5.90%
Term66 Months
Last UpdatedApr 19, 2026
Details

As Low As

Southern Pine Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
Used Auto Loan
5.90%
72 Months
View
▼
APR5.90%
Term72 Months
Last UpdatedApr 19, 2026
Details

1st Choice Credit Union
Institution Rating:
A+5.0 ★
New Autos
5.99%
60 months
View
▼
APR5.99%
Term60 months
Last UpdatedApr 8, 2026
Details

As Low As

Glynn County Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
New Car
5.99%
36 Months - 60 Months
View
▼
APR5.99%
Term36 Months - 60 Months
Last UpdatedApr 19, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
5.99%
76 - 84 Months
View
▼
APR5.99%
Term76 - 84 Months
Last UpdatedMay 2, 2026
Details

As Low As; APR - 2023 - 2025*

First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.91%
Auto Loan
5.99%
66 months
View
▼
APR5.99%
Term66 months
Last UpdatedMay 2, 2026
Details

GA; As Low As

Family Savings Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.34%
Used Autos
5.99%
up to 84 months
View
▼
APR5.99%
Termup to 84 months
Last UpdatedMay 2, 2026
Details

Rates subject to credit score, loan term, collateral age/mileage

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
6.09%
72 months
View
▼
APR6.09%
Term72 months
Last UpdatedApr 17, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
6.09%
72 months
View
▼
APR6.09%
Term72 months
Last UpdatedApr 17, 2026
Details

As Low As

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile Current Year+ 1-3 Years Old
6.15%
72 Months
View
▼
APR6.15%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.91%
Auto Loan
6.24%
72 months
View
▼
APR6.24%
Term72 months
Last UpdatedMay 2, 2026
Details

GA; As Low As

Glynn County Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
New Car
6.25%
72 Months
View
▼
APR6.25%
Term72 Months
Last UpdatedApr 19, 2026
Details

Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
New Car
6.25%
84 Months
View
▼
APR6.25%
Term84 Months
Last UpdatedMay 4, 2026
Details

up to 84 months

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Cars & Trucks
6.39%
63 months or less
View
▼
APR6.39%
Term63 months or less
Last UpdatedApr 17, 2026
Details

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
USED CAR LOANS (2015-2021)
6.39%
36 Months
View
▼
APR6.39%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
New Automobile - Current Year (Less Than 15,000 miles)
6.45%
84 Months
View
▼
APR6.45%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.91%
Auto Loan
6.49%
72 months
View
▼
APR6.49%
Term72 months
Last UpdatedMay 2, 2026
Details

FL; As Low As

Glynn County Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
New Car
6.50%
84 Months - 96 Months
View
▼
APR6.50%
Term84 Months - 96 Months
Last UpdatedApr 19, 2026
Details

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 4-5 Years Old
6.50%
36 Months
View
▼
APR6.50%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Cars & Trucks
6.69%
76 to 84 months
View
▼
APR6.69%
Term76 to 84 months
Last UpdatedApr 17, 2026
Details

First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.91%
Auto Loan
6.74%
84 months
View
▼
APR6.74%
Term84 months
Last UpdatedMay 2, 2026
Details

GA; As Low As

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
USED CAR LOANS (2015-2021)
6.79%
48 Months
View
▼
APR6.79%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 4-5 Years Old
6.80%
48 Months
View
▼
APR6.80%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
6.89%
84 months
View
▼
APR6.89%
Term84 months
Last UpdatedApr 17, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
6.89%
84 months
View
▼
APR6.89%
Term84 months
Last UpdatedApr 17, 2026
Details

As Low As

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Cars & Trucks
6.89%
64 to 75 months
View
▼
APR6.89%
Term64 to 75 months
Last UpdatedApr 17, 2026
Details

1st Choice Credit Union
Institution Rating:
A+5.0 ★
Used Autos
6.99%
36 months
View
▼
APR6.99%
Term36 months
Last UpdatedApr 8, 2026
Details

As Low As

First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.91%
Auto Loan
6.99%
84 months
View
▼
APR6.99%
Term84 months
Last UpdatedMay 2, 2026
Details

FL; As Low As

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 4-5 Years Old
7.00%
60 Months
View
▼
APR7.00%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
Used Car - less than 100,000 Miles
7.00%
84 Months
View
▼
APR7.00%
Term84 Months
Last UpdatedMay 4, 2026
Details

up to 84 months

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
7.09%
84 months
View
▼
APR7.09%
Term84 months
Last UpdatedApr 17, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
7.09%
84 months
View
▼
APR7.09%
Term84 months
Last UpdatedApr 17, 2026
Details

As Low As

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile Current Year+ 1-3 Years Old
7.15%
84 Months
View
▼
APR7.15%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.91%
Auto Loan
7.24%
84 months
View
▼
APR7.24%
Term84 months
Last UpdatedMay 2, 2026
Details

GA; As Low As

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 4-5 Years Old
7.50%
66 Months
View
▼
APR7.50%
Term66 Months
Last UpdatedApr 19, 2026
Details

As Low As

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
USED CAR LOANS (2015-2021)
7.59%
60 Months
View
▼
APR7.59%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
7.89%
96 months
View
▼
APR7.89%
Term96 months
Last UpdatedApr 17, 2026
Details

As Low As

First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.91%
Auto Loan
7.99%
84 months
View
▼
APR7.99%
Term84 months
Last UpdatedMay 2, 2026
Details

Bay; As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
8.09%
96 months
View
▼
APR8.09%
Term96 months
Last UpdatedApr 17, 2026
Details

As Low As

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
USED CAR LOANS (2015-2021)
8.09%
72 Months
View
▼
APR8.09%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 9 Years & Older
9.00%
36 Months
View
▼
APR9.00%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
Used Car - greater than 100,000 Miles
9.00%
72 Months
View
▼
APR9.00%
Term72 Months
Last UpdatedMay 4, 2026
Details

up to 72 months

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 9 Years & Older
9.25%
48 Months
View
▼
APR9.25%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 9 Years & Older
9.85%
60 Months
View
▼
APR9.85%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 9 Years & Older
10.10%
66 Months
View
▼
APR10.10%
Term66 Months
Last UpdatedApr 19, 2026
Details

As Low As

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 9 Years & Older
10.40%
72 Months
View
▼
APR10.40%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 9 Years & Older
11.90%
84 Months
View
▼
APR11.90%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 4-5 Years Old
16.95%
66 Months
View
▼
APR16.95%
Term66 Months
Last UpdatedApr 19, 2026
Details

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 4-5 Years Old
17.10%
36 Months
View
▼
APR17.10%
Term36 Months
Last UpdatedApr 19, 2026
Details

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 4-5 Years Old
17.20%
48 Months
View
▼
APR17.20%
Term48 Months
Last UpdatedApr 19, 2026
Details

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
5800 Windward Pkwy, Alpharetta, GA, 30005
New & Used Vehicles2
5.74%
Up to 2 years
View
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 18, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
11575 Haynes Bridge Rd, Alpharetta, GA, 30009
New and Used Small Vehicle Loans
8.00%
Up to 12 months
View
▼
APR8.00%
TermUp to 12 months
Last UpdatedApr 19, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
11575 Haynes Bridge Rd, Alpharetta, GA, 30009
New and Used Small Vehicle Loans
8.25%
24 months
View
▼
APR8.25%
Term24 months
Last UpdatedApr 19, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
11575 Haynes Bridge Rd, Alpharetta, GA, 30009
New and Used Small Vehicle Loans
8.50%
36 months
View
▼
APR8.50%
Term36 months
Last UpdatedApr 19, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
11575 Haynes Bridge Rd, Alpharetta, GA, 30009
New and Used Small Vehicle Loans
8.75%
48 months
View
▼
APR8.75%
Term48 months
Last UpdatedApr 19, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
11575 Haynes Bridge Rd, Alpharetta, GA, 30009
New and Used Small Vehicle Loans
9.00%
60 months
View
▼
APR9.00%
Term60 months
Last UpdatedApr 19, 2026
Details

Credit Union of Georgia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
New Vehicle Loans
3.49%
0-36
View
▼
APR3.49%
Term0-36
Last UpdatedMay 2, 2026
Details

As Low As

The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Auto (Model Year 2025 or newer)
3.50%
24 Months+
View
▼
APR3.50%
Term24 Months+
Last UpdatedMay 2, 2026
Details

Tesla financing requires 20% equity

The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Auto (Model Year 2016 or newer)
3.75%
24 Months+
View
▼
APR3.75%
Term24 Months+
Last UpdatedMay 2, 2026
Details

Tesla financing requires 20% equity

Credit Union of Georgia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
New Vehicle Loans
3.79%
37-48
View
▼
APR3.79%
Term37-48
Last UpdatedMay 2, 2026
Details

As Low As

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
New Automobile - Current Year (Less Than 15,000 miles)
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Credit Union of Georgia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
New Vehicle Loans
3.99%
49-60
View
▼
APR3.99%
Term49-60
Last UpdatedMay 2, 2026
Details

As Low As

The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Auto (Model Year 2025 or newer)
4.00%
60 Months±
View
▼
APR4.00%
Term60 Months±
Last UpdatedMay 2, 2026
Details

Tesla financing requires 20% equity

The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Auto (Model Year 2016 or newer)
4.00%
48 Months~
View
▼
APR4.00%
Term48 Months~
Last UpdatedMay 2, 2026
Details

Tesla financing requires 20% equity

The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Auto (Model Year 2025 or newer)
4.25%
72 Months§
View
▼
APR4.25%
Term72 Months§
Last UpdatedMay 2, 2026
Details

Tesla financing requires 20% equity

The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Auto (Model Year 2016 or newer)
4.25%
60 Months±
View
▼
APR4.25%
Term60 Months±
Last UpdatedMay 2, 2026
Details

Tesla financing requires 20% equity

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Cars & Trucks
4.39%
63 months or less
View
▼
APR4.39%
Term63 months or less
Last UpdatedApr 17, 2026
Details

As Low As; Within 3 most recent model years and less than 25,000 miles1

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
NEW CAR LOANS (2025 AND NEWER)
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Credit Union of Georgia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
New Vehicle Loans
4.49%
61-72
View
▼
APR4.49%
Term61-72
Last UpdatedMay 2, 2026
Details

As Low As

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
NEW CAR LOANS (2025 AND NEWER)
4.59%
60 Months
View
▼
APR4.59%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

APCO Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
NEW AUTO
4.60%
63 Months
View
▼
APR4.60%
Term63 Months
Last UpdatedApr 19, 2026
Details

As Low As

The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Auto (Model Year 2025 or newer)
4.75%
84 Monthsƒ
View
▼
APR4.75%
Term84 Monthsƒ
Last UpdatedMay 2, 2026
Details

Tesla financing requires 20% equity

The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Auto (Model Year 2016 or newer)
4.75%
72 Months§
View
▼
APR4.75%
Term72 Months§
Last UpdatedMay 2, 2026
Details

Tesla financing requires 20% equity

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Cars & Trucks
4.89%
64 - 75 months
View
▼
APR4.89%
Term64 - 75 months
Last UpdatedApr 17, 2026
Details

As Low As; Within 3 most recent model years and less than 25,000 miles1

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
New Automobile - Current Year (Less Than 15,000 miles)
4.95%
66 Months
View
▼
APR4.95%
Term66 Months
Last UpdatedApr 19, 2026
Details

As Low As

Credit Union of Georgia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
New Vehicle Loans
4.99%
73-84
View
▼
APR4.99%
Term73-84
Last UpdatedMay 2, 2026
Details

As Low As

Family Savings Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.34%
New/ Newer Autos
4.99%
up to 84 months
View
▼
APR4.99%
Termup to 84 months
Last UpdatedMay 2, 2026
Details

Rates subject to credit score, loan term, collateral age/mileage

Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
New Auto Loans - Promotion
4.99%
36, 48, or 60 Months
View
▼
APR4.99%
Term36, 48, or 60 Months
Last UpdatedMay 2, 2026
Details

As Low As

Southern Pine Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
New Auto (Never Been Titled) Loan
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedApr 19, 2026
Details

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
NEW CAR LOANS (2025 AND NEWER)
5.09%
72 Months
View
▼
APR5.09%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
New Automobile - Current Year (Less Than 15,000 miles)
5.20%
72 Months
View
▼
APR5.20%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
New Auto 2025 + Newer
5.24%
36 to 72 Months
View
▼
APR5.24%
Term36 to 72 Months
Last UpdatedMay 2, 2026
Details

As Low As

Bond Community Federal Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.01%
New Vehicles
5.49%
36, 60, 72 or 84
View
▼
APR5.49%
Term36, 60, 72 or 84
Last UpdatedApr 18, 2026
Details

Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
New Auto 2025 + Newer
5.49%
73 to 84 Months
View
▼
APR5.49%
Term73 to 84 Months
Last UpdatedMay 2, 2026
Details

As Low As

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
NEW CAR LOANS (2025 AND NEWER)
5.59%
84 Months
View
▼
APR5.59%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Cars & Trucks
5.69%
76 - 84 months
View
▼
APR5.69%
Term76 - 84 months
Last UpdatedApr 17, 2026
Details

As Low As; Within 3 most recent model years and less than 25,000 miles (invoice or NADA retail value over $12,500)1

The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Auto (Model Year 2016 or newer)
5.75%
84 Monthsƒ
View
▼
APR5.75%
Term84 Monthsƒ
Last UpdatedMay 2, 2026
Details

Tesla financing requires 20% equity

1st Choice Credit Union
Institution Rating:
A+5.0 ★
New Autos
5.99%
60 months
View
▼
APR5.99%
Term60 months
Last UpdatedApr 8, 2026
Details

As Low As

Glynn County Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
New Car
5.99%
36 Months - 60 Months
View
▼
APR5.99%
Term36 Months - 60 Months
Last UpdatedApr 19, 2026
Details

Glynn County Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
New Car
6.25%
72 Months
View
▼
APR6.25%
Term72 Months
Last UpdatedApr 19, 2026
Details

Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
New Car
6.25%
84 Months
View
▼
APR6.25%
Term84 Months
Last UpdatedMay 4, 2026
Details

up to 84 months

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
New Automobile - Current Year (Less Than 15,000 miles)
6.45%
84 Months
View
▼
APR6.45%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

Glynn County Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
New Car
6.50%
84 Months - 96 Months
View
▼
APR6.50%
Term84 Months - 96 Months
Last UpdatedApr 19, 2026
Details

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
5800 Windward Pkwy, Alpharetta, GA, 30005
New & Used Vehicles2
5.74%
Up to 2 years
View
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 18, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
11575 Haynes Bridge Rd, Alpharetta, GA, 30009
New and Used Small Vehicle Loans
8.00%
Up to 12 months
View
▼
APR8.00%
TermUp to 12 months
Last UpdatedApr 19, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
11575 Haynes Bridge Rd, Alpharetta, GA, 30009
New and Used Small Vehicle Loans
8.25%
24 months
View
▼
APR8.25%
Term24 months
Last UpdatedApr 19, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
11575 Haynes Bridge Rd, Alpharetta, GA, 30009
New and Used Small Vehicle Loans
8.50%
36 months
View
▼
APR8.50%
Term36 months
Last UpdatedApr 19, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
11575 Haynes Bridge Rd, Alpharetta, GA, 30009
New and Used Small Vehicle Loans
8.75%
48 months
View
▼
APR8.75%
Term48 months
Last UpdatedApr 19, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
11575 Haynes Bridge Rd, Alpharetta, GA, 30009
New and Used Small Vehicle Loans
9.00%
60 months
View
▼
APR9.00%
Term60 months
Last UpdatedApr 19, 2026
Details

The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Auto (Model Year 2016 or newer)
3.75%
24 Months+
View
▼
APR3.75%
Term24 Months+
Last UpdatedMay 2, 2026
Details

Tesla financing requires 20% equity

Credit Union of Georgia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
Used Vehicle Loans
3.99%
0-36
View
▼
APR3.99%
Term0-36
Last UpdatedMay 2, 2026
Details

As Low As

The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Auto (Model Year 2016 or newer)
4.00%
48 Months~
View
▼
APR4.00%
Term48 Months~
Last UpdatedMay 2, 2026
Details

Tesla financing requires 20% equity

The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Auto (Model Year 2016 or newer)
4.25%
60 Months±
View
▼
APR4.25%
Term60 Months±
Last UpdatedMay 2, 2026
Details

Tesla financing requires 20% equity

Credit Union of Georgia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
Used Vehicle Loans
4.29%
37-48
View
▼
APR4.29%
Term37-48
Last UpdatedMay 2, 2026
Details

As Low As

Credit Union of Georgia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
Used Vehicle Loans
4.39%
49-60
View
▼
APR4.39%
Term49-60
Last UpdatedMay 2, 2026
Details

As Low As

Credit Union Of Atlanta Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
Used Vehicles Luxury
4.43%
60 Months
View
▼
APR4.43%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Credit Union Of Atlanta Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
Used Vehicles Classic Cars
4.68%
48 Months
View
▼
APR4.68%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Car Loan
4.69%
36 Months
View
▼
APR4.69%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
USED CAR LOANS (2022-2024)
4.69%
36 Months
View
▼
APR4.69%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Auto (Model Year 2016 or newer)
4.75%
72 Months§
View
▼
APR4.75%
Term72 Months§
Last UpdatedMay 2, 2026
Details

Tesla financing requires 20% equity

Credit Union of Georgia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
Used Vehicle Loans
4.79%
61-72
View
▼
APR4.79%
Term61-72
Last UpdatedMay 2, 2026
Details

As Low As

Credit Union Of Atlanta Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
Used Vehicles 1 Year Old
4.95%
54 Months
View
▼
APR4.95%
Term54 Months
Last UpdatedApr 19, 2026
Details

As Low As

Credit Union Of Atlanta Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
Used Vehicles 2 Years Old
4.95%
48 Months
View
▼
APR4.95%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Car Loan
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
USED CAR LOANS (2022-2024)
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile Current Year+ 1-3 Years Old
5.25%
36 Months
View
▼
APR5.25%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Car Loan
5.29%
72 Months
View
▼
APR5.29%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
USED CAR LOANS (2022-2024)
5.29%
72 Months
View
▼
APR5.29%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Cars & Trucks
5.39%
63 months or less
View
▼
APR5.39%
Term63 months or less
Last UpdatedApr 17, 2026
Details

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile Current Year+ 1-3 Years Old
5.40%
48 Months
View
▼
APR5.40%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Credit Union of Georgia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
Used Vehicle Loans
5.44%
73-84
View
▼
APR5.44%
Term73-84
Last UpdatedMay 2, 2026
Details

As Low As

Credit Union Of Atlanta Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
Used Vehicles 3 Years Old
5.45%
42 Months
View
▼
APR5.45%
Term42 Months
Last UpdatedApr 19, 2026
Details

As Low As

Credit Union Of Atlanta Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
Used Vehicles 4-5 Years Old
5.45%
36 Months
View
▼
APR5.45%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile Current Year+ 1-3 Years Old
5.65%
60 Months
View
▼
APR5.65%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Credit Union Of Atlanta Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
Used Vehicles 6-7 Years Old
5.75%
24 Months
View
▼
APR5.75%
Term24 Months
Last UpdatedApr 19, 2026
Details

As Low As

Credit Union Of Atlanta Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
Used Vehicles Over 7 Years Old
5.75%
18 Months
View
▼
APR5.75%
Term18 Months
Last UpdatedApr 19, 2026
Details

As Low As

The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Auto (Model Year 2016 or newer)
5.75%
84 Monthsƒ
View
▼
APR5.75%
Term84 Monthsƒ
Last UpdatedMay 2, 2026
Details

Tesla financing requires 20% equity

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Car Loan
5.79%
84 Months
View
▼
APR5.79%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
USED CAR LOANS (2022-2024)
5.79%
84 Months
View
▼
APR5.79%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Cars & Trucks
5.89%
64 to 75 months
View
▼
APR5.89%
Term64 to 75 months
Last UpdatedApr 17, 2026
Details

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile Current Year+ 1-3 Years Old
5.90%
66 Months
View
▼
APR5.90%
Term66 Months
Last UpdatedApr 19, 2026
Details

As Low As

Southern Pine Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
Used Auto Loan
5.90%
72 Months
View
▼
APR5.90%
Term72 Months
Last UpdatedApr 19, 2026
Details

Family Savings Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.34%
Used Autos
5.99%
up to 84 months
View
▼
APR5.99%
Termup to 84 months
Last UpdatedMay 2, 2026
Details

Rates subject to credit score, loan term, collateral age/mileage

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile Current Year+ 1-3 Years Old
6.15%
72 Months
View
▼
APR6.15%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Cars & Trucks
6.39%
63 months or less
View
▼
APR6.39%
Term63 months or less
Last UpdatedApr 17, 2026
Details

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
USED CAR LOANS (2015-2021)
6.39%
36 Months
View
▼
APR6.39%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 4-5 Years Old
6.50%
36 Months
View
▼
APR6.50%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Cars & Trucks
6.69%
76 to 84 months
View
▼
APR6.69%
Term76 to 84 months
Last UpdatedApr 17, 2026
Details

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
USED CAR LOANS (2015-2021)
6.79%
48 Months
View
▼
APR6.79%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 4-5 Years Old
6.80%
48 Months
View
▼
APR6.80%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Cars & Trucks
6.89%
64 to 75 months
View
▼
APR6.89%
Term64 to 75 months
Last UpdatedApr 17, 2026
Details

1st Choice Credit Union
Institution Rating:
A+5.0 ★
Used Autos
6.99%
36 months
View
▼
APR6.99%
Term36 months
Last UpdatedApr 8, 2026
Details

As Low As

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 4-5 Years Old
7.00%
60 Months
View
▼
APR7.00%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
Used Car - less than 100,000 Miles
7.00%
84 Months
View
▼
APR7.00%
Term84 Months
Last UpdatedMay 4, 2026
Details

up to 84 months

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile Current Year+ 1-3 Years Old
7.15%
84 Months
View
▼
APR7.15%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 4-5 Years Old
7.50%
66 Months
View
▼
APR7.50%
Term66 Months
Last UpdatedApr 19, 2026
Details

As Low As

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
USED CAR LOANS (2015-2021)
7.59%
60 Months
View
▼
APR7.59%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
USED CAR LOANS (2015-2021)
8.09%
72 Months
View
▼
APR8.09%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 9 Years & Older
9.00%
36 Months
View
▼
APR9.00%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
Used Car - greater than 100,000 Miles
9.00%
72 Months
View
▼
APR9.00%
Term72 Months
Last UpdatedMay 4, 2026
Details

up to 72 months

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 9 Years & Older
9.25%
48 Months
View
▼
APR9.25%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 9 Years & Older
9.85%
60 Months
View
▼
APR9.85%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 9 Years & Older
10.10%
66 Months
View
▼
APR10.10%
Term66 Months
Last UpdatedApr 19, 2026
Details

As Low As

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 9 Years & Older
10.40%
72 Months
View
▼
APR10.40%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 9 Years & Older
11.90%
84 Months
View
▼
APR11.90%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 4-5 Years Old
16.95%
66 Months
View
▼
APR16.95%
Term66 Months
Last UpdatedApr 19, 2026
Details

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 4-5 Years Old
17.10%
36 Months
View
▼
APR17.10%
Term36 Months
Last UpdatedApr 19, 2026
Details

CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 4-5 Years Old
17.20%
48 Months
View
▼
APR17.20%
Term48 Months
Last UpdatedApr 19, 2026
Details

Alpharetta, GA Auto Loan Rate Trends

Compare local Alpharetta, GA auto loan rates against the statewide average

Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Georgia Auto Trends →
New Auto Loan — GA Avg
4.437%
▼ 0.119 vs 7 days ago

Georgia new auto rates fell 0.119 points over the past 7 days to 4.437% APR.

Used Auto Loan — GA Avg
5.981%
▲ 0.016 vs 7 days ago

Georgia used auto rates rose 0.016 points over the past 7 days to 5.981% APR.

As of May 5, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about Auto Loans in Alpharetta, Georgia

How does my credit score affect my car loan rate in Georgia?

Your credit score is the biggest factor determining your auto loan APR. Borrowers in Alpharetta, Georgia with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.

Is it better to finance through a dealership or a bank?

It is highly recommended to get pre-approved through a local bank or credit union in Georgia *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.

What is the difference between New and Used Auto Loan rates?

Lenders in Alpharetta, Georgia typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.

How long should my auto loan term be?

While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.

What are the best Auto Loan rates in Alpharetta, Georgia?

Based on our current data, some of the lowest auto loan rates available in Alpharetta, Georgia include:
  • UNIFY Financial Federal Credit Union: 5.74% (New & Used Vehicles2)
  • Delta Community Credit Union: 8.00% (New and Used Small Vehicle Loans)
  • Baxter Credit Union: 3.24% (Auto Loans)
  • Credit Union of Georgia Credit Union: 3.49% (New Vehicle Loans)
  • The Southern Credit Union: 3.50% (New Auto (Model Year 2025 or newer))
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Alpharetta, Georgia. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 4, 2026

Alpharetta, Georgia Rates & Resources

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