Georgia Best Auto Loan Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Georgia auto loan rates range from 2.49% to 5.49% APR, verified by MonitorBankRates as of October 13, 2026. Current auto loan rates in Georgia include P&S Credit UnionP&S Credit Union1845 Satellite Blvd, Duluth, GA, 30097A+5.0 ★Texas Ratio: 0.10% offering New Truck & Auto Loans (2026 and Untitled 2025 Vehicles) at 2.49%, Credit Union of GeorgiaCredit Union of Georgia3048 Eagle Dr, Woodstock, GA, 30189 5531A5.0 ★Texas Ratio: 6.49% offering New Vehicle Loan at 3.49%, Credit Union Of AtlantaCredit Union Of Atlanta670 Metropolitan Pkwy SW, Atlanta, GA, 30310A5.0 ★Texas Ratio: 7.55% offering New Vehicles Loan at 3.49%, The Southern Credit UnionThe Southern Credit Union430 Lanier Ave E, Fayetteville, GA, 30214A+5.0 ★Texas Ratio: 0.33% offering New Auto (Model Year 2025 or newer) at 3.50%, Combined Employees Credit UnionCombined Employees Credit Union593 Russell Pkwy, Warner Robins, GA, 31088A+5.0 ★Texas Ratio: 0.44% offering New & Current Model Autos (Under 15,000 Miles) at 3.75%. Auto loan rates as of October 13, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across Georgia side-by-side. Georgia auto loan rates currently start as low as 2.49% APR from P&S Credit Union at 1845 Satellite Blvd, Duluth, GA, 30097. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Georgia. Auto Loan Rates Last Updated and Verified: October 13, 2026
Compare Auto Loan Rates Today in Georgia
Georgia Auto Loan Rates
As Low As; Fixed
As Low As; *
Base APR; Financing Term: 12-24 months
Published APR range: 3.50% - 10.50%. Tesla financing requires 20% equity; 100% MSRP for most based on credit worthiness.
Published APR range: 3.50% - 10.50%. Tesla financing requires 20% equity; 100% MSRP for most based on credit worthiness.
Published APR range: 3.50% - 10.50%. Tesla financing requires 20% equity; 100% MSRP for most based on credit worthiness.
Additional APR listed for this product: 4.00%, 6.00%, 7.45%. As low as
As Low As; Model Year: 2025 and 2026 vehicles with 15,000 miles or less
As Low As; Model Year: 2025 and 2026 vehicles with 15,000 miles or less
As Low As; Model Year: 2025 and 2026 vehicles with 15,000 miles or less
As Low As; Model Year: 2022-2026
As Low As; Model Year: 2022-2026
As Low As; Model Year: 2022-2026
Purchase/Refinance; Max 100k miles; Max 85k miles; Max 50K miles; Minimum loan amount $40k; add .5% for cash out
Purchase/Refinance; add .5% for cash out; Max 100k miles, Max 85k miles, Max 50K miles; Minimum loan amount $40k
Current Year (Less Than 15,000 miles); APR range: 3.75% to 16.45%
Current Year (Less Than 15,000 miles); APR range: 3.75% to 16.95%
Current Year (Less Than 15,000 miles); APR range: 3.75% to 17.20%
As Low As; *
As Low As; Loan Term
- Oct 10, 20263.84%▲ from 3.64%
- Sep 18, 20263.64%▲ from 3.49%
- Sep 14, 20263.49%first recorded
As Low As
As Low As; Rates subject to change.
As Low As; *
As Low As; *
Model Year: New Auto 2025 & Newer
Purchase/Refinance; Max 150k miles; Max 100k miles; Max 75k miles; add .5% for cash out
Purchase/Refinance; Max 100k miles; Max 85k miles; Max 50K miles; Minimum loan amount $40k; add .5% for cash out
Purchase/Refinance; add .5% for cash out; Max 150k miles, Max 100k miles, Max 75k miles
Purchase/Refinance; add .5% for cash out; Max 100k miles, Max 85k miles, Max 50K miles; Minimum loan amount $40k
Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only
Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only
Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only
Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only
Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only
Published APR range: 3.99% to 14.39%.
Published APR range: 3.99% to 14.39%.
Published APR range: 3.99% to 14.39%.
Published APR range: 3.99% to 14.39%.
Published APR range: 3.99% to 14.39%.
APR range: 3.99% to 14.69%
APR range: 3.99% to 14.69%
APR range: 3.99% to 14.69%
APR range: 3.99% to 14.69%
APR range: 3.99% to 14.69%
Base APR; Financing Term: 25-36 months
Base APR; Financing Term: 37-48 months
Base APR; Financing Term: 49-60 months
Published APR range: 4.00% - 11.00%. Tesla financing requires 20% equity; $20,000+; 100% MSRP for most based on credit worthiness.
Published APR range: 4.00% - 11.00%. Tesla financing requires 20% equity; 100% of Retail Value for most based on credit worthiness.
As Low As; Model Years: 2026 - 2027; Available for well qualified borrowers; 84 month term; Membership savings account required; Rates subject to change
As low as
Model Year: New Auto 2025 & Newer
Published APR range: 4.25% - 11.25%. Tesla financing requires 20% equity; $30,000+; 100% MSRP for most based on credit worthiness.
Published APR range: 4.25% - 11.25%. Tesla financing requires 20% equity; $20,000+; 100% of Retail Value for most based on credit worthiness.
Purchase/Refinance; Max 150k miles; Max 100k miles; Max 75k miles; add .5% for cash out
Purchase/Refinance; Max 100k miles; Max 85k miles; Max 50K miles; Minimum loan amount $40k; add .5% for cash out
Purchase/Refinance; add .5% for cash out; Max 150k miles, Max 100k miles, Max 75k miles
Purchase/Refinance; add .5% for cash out; Max 100k miles, Max 85k miles, Max 50K miles; Minimum loan amount $40k
Current Year (Less Than 15,000 miles); APR range: 4.25% to 17.20%
As Low As; *
As Low As
As Low As; Rates subject to change.
Term: 61-72 months (over $25,000); Base APR; Financing Term: 61-72 months (over $25,000)
Base APR; Over $25,000
As Low As; Age of Vehicle: 2016- Present
As Low As; Age of Vehicle: 2016- Present
As Low As; Age of Vehicle: 2016- Present
As Low As; Loan Term
- Oct 10, 20264.34%▲ from 4.14%
- Sep 18, 20264.14%▲ from 3.89%
- Sep 14, 20263.89%first recorded
As Low As; Model Year: 2025 and 2026 vehicles with 15,000 miles or less
As Low As; *
Loan Payment Example: An Auto Loan of $33,000 at a rate of 4.24% rate (4.39% APR) for a 60-month term would result in a monthly payment of approximately $611.33.
- Oct 10, 20264.39%▼ from 5.40%
- Sep 14, 20265.40%first recorded
Model Year: New Auto 2025 & Newer
Published APR range: 4.39% to 15.99%. Mileage: Within 3 most recent model years and less than 25,000 miles
As Low As; Model Year: 2022-2026
As Low As; Rate assumes loan to value of 100% or less and term of 60 months or less. Not all borrowers will qualify for the lowest interest rate.
As Low As; *
As Low As; Model Year: 2020-2021
As Low As; Model Year: 2020-2021
As Low As; Model Year: 2020-2021
Purchase/Refinance; Max 150k miles; Max 100k miles; Max 75k miles; add .5% for cash out
Purchase/Refinance; Max 100k miles; Max 85k miles; Max 50K miles; Minimum loan amount $40k; add .5% for cash out
Purchase/Refinance; add .5% for cash out; Max 150k miles, Max 100k miles, Max 75k miles
Purchase/Refinance; add .5% for cash out; Max 100k miles, Max 85k miles, Max 50K miles; Minimum loan amount $40k
Published APR range: 4.49% to 16.89%. Loan amount $20,000 or more; boats, RVs, aircraft and motorcycle loans only
Term: 61-72 months (greater than or equal to $20,000); Published APR range: 4.49% to 15.09%.
Term: 61-72 months (greater than or equal to $20,000); APR range: 4.49% to 15.39%
Published APR range: 4.50% - 14.50%. Loan rates effective December 19, 2024; rates may vary based on individual creditworthiness
Base APR; Financing Term: 73-84 months
As Low As; Age of Vehicle: 2016- Present
As Low As
As Low As; Rates subject to change.
As Low As; Featured rate; Your APR is based on credit worthiness, loan amount, current mileage, term of the loan and loan to value
As low as
As Low As; *
As Low As; APR
Current Year (Less Than 15,000 miles); APR range: 4.65% to 13.45%
As Low As; *
As Low As; APR
As Low As; Loan Amount: $2,500+; Up to 125% financing for qualified applicants
As Low As; Loan Amount: $2,500+
As Low As
Qualifications Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days; Rates displayed include the additional All-In Member Pricing interest rate discount up to 0.50% APR. All-In Member Pricing Requirements : 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Term is based on vehicle age, value & amount financed. The Annual Percentage Rate (APR) you receive will be based upon credit scoring criteria, loan to value ratio, mileage and collateral. Subject to credit approval. Rates, terms, & conditions subject to change at any time. Min. loan amount is $500. The rate listed indicates automatic payment made electronically. Add 1% to rate listed when using cash, check or coupons (non-electronic or automated payment method). Members must maintain an open consumer checking account within the same membership. A minimum of $1, 500 in direct deposit(s) and/or mobile deposit within the last 31 days into any share account within the same membership, excluding Money Market accounts, Health Savings Accounts and Share Certificates. Transaction count is NOT a combination of debit and credit card transactions. Debit card transactions must be posted to the account within the calendar month for it to be considered a qualifying transaction. Credit card transactions must be posted between the 27th day of the previous month and the 26th day of the current month to be considered a qualifying transaction. Excludes ATM and cash transactions. Payments listed are only examples. Payment examples are based off a new auto loan with the term & APR listed above calculating the payment per $1,000.
Published APR range: 4.75% - 11.75%. Tesla financing requires 20% equity; $30,000+; 100% MSRP for most based on credit worthiness.
Published APR range: 4.75% - 11.75%. Tesla financing requires 20% equity; $30,000+; 100% of Retail Value for most based on credit worthiness.
Best APR: 3.75%; member reward discount qualification applies
Best APR: 3.75%; member reward discount qualification applies
Best APR: 3.75%; member reward discount qualification applies
As Low As; 2024 - 2021 Limited to 72 months
Purchase/Refinance; Max 150k miles; Max 100k miles; Max 75k miles; add .5% for cash out
Purchase/Refinance; add .5% for cash out; Max 150k miles, Max 100k miles, Max 75k miles
As Low As; Fixed
As Low As; Fixed
As Low As; *
As Low As
As Low As; Rates subject to change.
As Low As; Age of Vehicle: 2016- Present
As Low As; Loan Term
As Low As; Model Year: 2020-2021
Model Year: New Auto 2025 & Newer
Qualifications Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days; Rates shown are for model years 2022-2023 and include the All-In Member Pricing interest rate discount of up to 0.50% APR. Rates for 2021 and older models may be higher. All-In Member Pricing Requirements : 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Term is based on vehicle age, value & amount financed. The Annual Percentage Rate (APR) you receive will be based upon credit scoring criteria, loan to value ratio, mileage and collateral. Subject to credit approval. Rates, terms, & conditions subject to change at any time. Min. loan amount is $500. The rate listed indicates automatic payment made electronically. Add 1% to rate listed when using cash, check or coupons (non-electronic or automated payment method). Rates for model years 2021 and older may be higher. Members must maintain an open consumer checking account within the same membership. A minimum of $1, 500 in direct deposit(s) and/or mobile deposit within the last 31 days into any share account within the same membership, excluding Money Market accounts, Health Savings Accounts and Share Certificates. Transaction count is NOT a combination of debit and credit card transactions. Debit card transactions must be posted to the account within the calendar month for it to be considered a qualifying transaction. Credit card transactions must be posted between the 27th day of the previous month and the 26th day of the current month to be considered a qualifying transaction. Excludes ATM and cash transactions. Payments listed are only examples. Payment examples are based off a used auto loan with the term & APR listed above calculating the payment per $1,000. Rates displayed are for model years 2022-2023.
As Low As; Loan Amount: $2,500+; Up to 125% financing for qualified applicants
Published APR range: 4.89% to 16.99%. Mileage: Within 3 most recent model years and less than 25,000 miles
Best APR shown as rate; Best APR requires member reward discount qualifications (max discount 1.00%)
Best APR shown as rate; Best APR requires member reward discount qualifications (max discount 1.00%)
Best APR shown as rate; Best APR requires member reward discount qualifications (max discount 1.00%)
FL; As Low As; Payment Per $1,000 Borrowed: $23.07
As Low As; *
Qualifications Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days; Rates displayed include the additional All-In Member Pricing interest rate discount up to 0.50% APR. All-In Member Pricing Requirements : 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Term is based on vehicle age, value & amount financed. The Annual Percentage Rate (APR) you receive will be based upon credit scoring criteria, loan to value ratio, mileage and collateral. Subject to credit approval. Rates, terms, & conditions subject to change at any time. Min. loan amount is $500. The rate listed indicates automatic payment made electronically. Add 1% to rate listed when using cash, check or coupons (non-electronic or automated payment method). Members must maintain an open consumer checking account within the same membership. A minimum of $1, 500 in direct deposit(s) and/or mobile deposit within the last 31 days into any share account within the same membership, excluding Money Market accounts, Health Savings Accounts and Share Certificates. Transaction count is NOT a combination of debit and credit card transactions. Debit card transactions must be posted to the account within the calendar month for it to be considered a qualifying transaction. Credit card transactions must be posted between the 27th day of the previous month and the 26th day of the current month to be considered a qualifying transaction. Excludes ATM and cash transactions. Payments listed are only examples. Payment examples are based off a new auto loan with the term & APR listed above calculating the payment per $1,000.
Category A (690+); Rate is as stated below, no discounts will apply; Floor Rate 4.50% APR
Purchase/Refinance; Max 100k miles; Max 85k miles; Max 50K miles; Minimum loan amount $40k; add .5% for cash out
Purchase/Refinance; add .5% for cash out; Max 100k miles, Max 85k miles, Max 50K miles; Minimum loan amount $40k
As Low As; Promotion applies to applications received 10/1/2026-11/30/2026; No payments until 2027
As Low As; Promotion applies to applications received 10/1/2026-11/30/2026; No payments until 2027
As Low As; Promotion applies to applications received 10/1/2026-11/30/2026; No payments until 2027
As Low As; Promotion applies to applications received 10/1/2026-11/30/2026; No payments until 2027
As Low As; As of October 1, 2026
Auto Loan Rates
- Oct 5, 20264.99%▲ from 4.64%
- Sep 14, 20264.64%first recorded
Published APR range: 4.99% to 17.59%. Loan amount $30,000 or more; boats, RVs, aircraft and motorcycle loans only
Term: 73-84 months (greater than or equal to $30,000); Published APR range: 4.99% to 15.79%.
Term: 73-84 months (greater than or equal to $30,000); APR range: 4.99% to 16.09%
As Low As; Fixed
As Low As; Fixed
As Low As; Fixed
Additional APR listed for this product: 6.50%, 7.70%. As low as
Published APR range: 5.00% - 15.00%. Loan rates effective December 19, 2024; rates may vary based on individual creditworthiness
As Low As; 2024 - 2021 Limited to 72 months
As Low As
As Low As; Applies with loan amount > $25,000
Qualifications Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days; Rates shown are for model years 2022-2023 and include the All-In Member Pricing interest rate discount of up to 0.50% APR. Rates for 2021 and older models may be higher. All-In Member Pricing Requirements : 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Term is based on vehicle age, value & amount financed. The Annual Percentage Rate (APR) you receive will be based upon credit scoring criteria, loan to value ratio, mileage and collateral. Subject to credit approval. Rates, terms, & conditions subject to change at any time. Min. loan amount is $500. The rate listed indicates automatic payment made electronically. Add 1% to rate listed when using cash, check or coupons (non-electronic or automated payment method). Rates for model years 2021 and older may be higher. Members must maintain an open consumer checking account within the same membership. A minimum of $1, 500 in direct deposit(s) and/or mobile deposit within the last 31 days into any share account within the same membership, excluding Money Market accounts, Health Savings Accounts and Share Certificates. Transaction count is NOT a combination of debit and credit card transactions. Debit card transactions must be posted to the account within the calendar month for it to be considered a qualifying transaction. Credit card transactions must be posted between the 27th day of the previous month and the 26th day of the current month to be considered a qualifying transaction. Excludes ATM and cash transactions. Payments listed are only examples. Payment examples are based off a used auto loan with the term & APR listed above calculating the payment per $1,000. Rates displayed are for model years 2022-2023.
As Low As; *
As Low As; APR
As low as
As Low As; Loan Amount: $2,500+; Up to 125% financing for qualified applicants
As Low As; Loan Amount: $2,500+
Published APR range: 5.19% to 17.59%. Loan amount $50,000 or more; boats, RVs and aircraft loans only
Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle. Rates, terms and conditions are subject to change based on borrower eligibility and market conditions. All loans are subject to credit approval.
As Low As
FL; As Low As; Payment Per $1,000 Borrowed: $19.02
Bay; As Low As
- Oct 10, 20265.24%▲ from 4.99%
- Sep 18, 20264.99%first recorded
Bay; As Low As
- Oct 10, 20265.24%▼ from 5.49%
- Sep 18, 20265.49%first recorded
Bay; As Low As
- Oct 10, 20265.24%▼ from 5.74%
- Sep 18, 20265.74%first recorded
Additional APR listed for this product: 7.00%, 8.20%. As low as
Published APR range: 5.25%-18.00%. Current + prior year less than 20,000 miles; Meet or beat the competition!
Published APR range: 5.25% to 17.05%*. Used Automobile current years (1-3 years old); APR range printed as 5.25% to 17.05%*
As Low As
As Low As; Rates subject to change.
As Low As; Loan Term
As Low As; Loan Term; **76-84 month term available for model years 2025 and newer only.
- Oct 10, 20265.34%▲ from 5.14%
- Sep 18, 20265.14%▲ from 4.89%
- Sep 14, 20264.89%first recorded
- Oct 5, 20265.34%▲ from 4.99%
- Sep 14, 20264.99%first recorded
Model Year: New Auto 2025 & Newer
As Low As; Model Year: 2019
- Oct 5, 20265.35%▲ from 4.49%
- Sep 17, 20264.49%first recorded
As Low As
As Low As; Rates subject to change.
As Low As; Loan Amount: $5,000+; Up to 125% financing for qualified applicants
Published APR range: 5.39% to 16.99%. Mileage: 25,000 - 99,999 miles
Published APR range: 5.39% to 16.99%. Mileage: 25,000 - 99,999 miles
Published APR range: 5.39% to 17.59%. Loan amount $75,000 or more; boats, RVs and aircraft loans only
As Low As
As Low As; Fixed
Published APR range: 5.40% to 17.10%*. Used Automobile current years (1-3 years old); APR range printed as 5.40% to 17.10%*
As Low As; *
As Low As; Model Year: 2019
As Low As
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.49%▲ from 5.39%
- Sep 18, 20265.39%first recorded
FL; As Low As; Payment Per $1,000 Borrowed: $17.63
GA; As Low As
- Oct 10, 20265.49%▲ from 4.99%
- Sep 18, 20264.99%first recorded
FL; As Low As
Rates listed are for Autos two years old or newer. Other rates and terms available for autos up to 4 years old. Term is based on vehicle age, value & amount financed. The Annual Percentage Rate (APR) you receive will be based upon credit scoring criteria, loan to value ratio, mileage and collateral. Subject to credit approval. Rates, terms, & conditions subject to change at any time. Min. loan amount is $500. The rate listed indicates automatic payment made electronically. Add 1% to rate listed when using cash, check or coupons (non-electronic or automated payment method). Payments listed are only examples. Payment examples are based off a Payment Saver auto loan with the term & APR listed above calculating the payment per $1,000.
As Low As; Loan Amount: $2,500+
Max Term; Comments: --; APR based on TransUnion credit score of 730 or above
Term: 36, 60, 72 or 84 Months. According To Vehicle Value; As Low As; Maximum Amount: Up to 100% of list price; Fixed
Georgia New Auto Auto Loan Rates
As Low As; Fixed
As Low As; *
Base APR; Financing Term: 12-24 months
Published APR range: 3.50% - 10.50%. Tesla financing requires 20% equity; 100% MSRP for most based on credit worthiness.
Published APR range: 3.50% - 10.50%. Tesla financing requires 20% equity; 100% MSRP for most based on credit worthiness.
Published APR range: 3.50% - 10.50%. Tesla financing requires 20% equity; 100% MSRP for most based on credit worthiness.
Additional APR listed for this product: 4.00%, 6.00%, 7.45%. As low as
As Low As; Model Year: 2025 and 2026 vehicles with 15,000 miles or less
As Low As; Model Year: 2025 and 2026 vehicles with 15,000 miles or less
As Low As; Model Year: 2025 and 2026 vehicles with 15,000 miles or less
Purchase/Refinance; Max 100k miles; Max 85k miles; Max 50K miles; Minimum loan amount $40k; add .5% for cash out
Purchase/Refinance; add .5% for cash out; Max 100k miles, Max 85k miles, Max 50K miles; Minimum loan amount $40k
Current Year (Less Than 15,000 miles); APR range: 3.75% to 16.45%
Current Year (Less Than 15,000 miles); APR range: 3.75% to 16.95%
Current Year (Less Than 15,000 miles); APR range: 3.75% to 17.20%
As Low As; *
As Low As; Loan Term
- Oct 10, 20263.84%▲ from 3.64%
- Sep 18, 20263.64%▲ from 3.49%
- Sep 14, 20263.49%first recorded
As Low As
As Low As; Rates subject to change.
As Low As; *
Model Year: New Auto 2025 & Newer
Purchase/Refinance; Max 150k miles; Max 100k miles; Max 75k miles; add .5% for cash out
Purchase/Refinance; Max 100k miles; Max 85k miles; Max 50K miles; Minimum loan amount $40k; add .5% for cash out
Purchase/Refinance; add .5% for cash out; Max 150k miles, Max 100k miles, Max 75k miles
Purchase/Refinance; add .5% for cash out; Max 100k miles, Max 85k miles, Max 50K miles; Minimum loan amount $40k
Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only
Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only
Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only
Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only
Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only
Published APR range: 3.99% to 14.39%.
Published APR range: 3.99% to 14.39%.
Published APR range: 3.99% to 14.39%.
Published APR range: 3.99% to 14.39%.
Published APR range: 3.99% to 14.39%.
Base APR; Financing Term: 25-36 months
Base APR; Financing Term: 37-48 months
Base APR; Financing Term: 49-60 months
Published APR range: 4.00% - 11.00%. Tesla financing requires 20% equity; $20,000+; 100% MSRP for most based on credit worthiness.
Published APR range: 4.00% - 11.00%. Tesla financing requires 20% equity; 100% of Retail Value for most based on credit worthiness.
As low as
Model Year: New Auto 2025 & Newer
Published APR range: 4.25% - 11.25%. Tesla financing requires 20% equity; $30,000+; 100% MSRP for most based on credit worthiness.
Published APR range: 4.25% - 11.25%. Tesla financing requires 20% equity; $20,000+; 100% of Retail Value for most based on credit worthiness.
Purchase/Refinance; Max 150k miles; Max 100k miles; Max 75k miles; add .5% for cash out
Purchase/Refinance; Max 100k miles; Max 85k miles; Max 50K miles; Minimum loan amount $40k; add .5% for cash out
Purchase/Refinance; add .5% for cash out; Max 150k miles, Max 100k miles, Max 75k miles
Purchase/Refinance; add .5% for cash out; Max 100k miles, Max 85k miles, Max 50K miles; Minimum loan amount $40k
Current Year (Less Than 15,000 miles); APR range: 4.25% to 17.20%
As Low As
As Low As; Rates subject to change.
Term: 61-72 months (over $25,000); Base APR; Financing Term: 61-72 months (over $25,000)
Base APR; Over $25,000
As Low As; Loan Term
- Oct 10, 20264.34%▲ from 4.14%
- Sep 18, 20264.14%▲ from 3.89%
- Sep 14, 20263.89%first recorded
As Low As; Model Year: 2025 and 2026 vehicles with 15,000 miles or less
Model Year: New Auto 2025 & Newer
Published APR range: 4.39% to 15.99%. Mileage: Within 3 most recent model years and less than 25,000 miles
As Low As; Rate assumes loan to value of 100% or less and term of 60 months or less. Not all borrowers will qualify for the lowest interest rate.
As Low As; *
Purchase/Refinance; Max 150k miles; Max 100k miles; Max 75k miles; add .5% for cash out
Purchase/Refinance; Max 100k miles; Max 85k miles; Max 50K miles; Minimum loan amount $40k; add .5% for cash out
Purchase/Refinance; add .5% for cash out; Max 150k miles, Max 100k miles, Max 75k miles
Purchase/Refinance; add .5% for cash out; Max 100k miles, Max 85k miles, Max 50K miles; Minimum loan amount $40k
Published APR range: 4.49% to 16.89%. Loan amount $20,000 or more; boats, RVs, aircraft and motorcycle loans only
Term: 61-72 months (greater than or equal to $20,000); Published APR range: 4.49% to 15.09%.
Base APR; Financing Term: 73-84 months
As Low As
As Low As; Rates subject to change.
As Low As; Featured rate; Your APR is based on credit worthiness, loan amount, current mileage, term of the loan and loan to value
As low as
As Low As; *
Current Year (Less Than 15,000 miles); APR range: 4.65% to 13.45%
As Low As; *
As Low As; Loan Amount: $2,500+; Up to 125% financing for qualified applicants
Published APR range: 4.75% - 11.75%. Tesla financing requires 20% equity; $30,000+; 100% MSRP for most based on credit worthiness.
Published APR range: 4.75% - 11.75%. Tesla financing requires 20% equity; $30,000+; 100% of Retail Value for most based on credit worthiness.
Best APR: 3.75%; member reward discount qualification applies
Best APR: 3.75%; member reward discount qualification applies
Best APR: 3.75%; member reward discount qualification applies
As Low As; 2024 - 2021 Limited to 72 months
Purchase/Refinance; Max 150k miles; Max 100k miles; Max 75k miles; add .5% for cash out
Purchase/Refinance; add .5% for cash out; Max 150k miles, Max 100k miles, Max 75k miles
As Low As; Fixed
Model Year: New Auto 2025 & Newer
As Low As; Loan Amount: $2,500+; Up to 125% financing for qualified applicants
Published APR range: 4.89% to 16.99%. Mileage: Within 3 most recent model years and less than 25,000 miles
FL; As Low As; Payment Per $1,000 Borrowed: $23.07
As Low As; *
Category A (690+); Rate is as stated below, no discounts will apply; Floor Rate 4.50% APR
Purchase/Refinance; Max 100k miles; Max 85k miles; Max 50K miles; Minimum loan amount $40k; add .5% for cash out
Purchase/Refinance; add .5% for cash out; Max 100k miles, Max 85k miles, Max 50K miles; Minimum loan amount $40k
As Low As; Promotion applies to applications received 10/1/2026-11/30/2026; No payments until 2027
As Low As; Promotion applies to applications received 10/1/2026-11/30/2026; No payments until 2027
As Low As; Promotion applies to applications received 10/1/2026-11/30/2026; No payments until 2027
As Low As; As of October 1, 2026
Auto Loan Rates
- Oct 5, 20264.99%▲ from 4.64%
- Sep 14, 20264.64%first recorded
Published APR range: 4.99% to 17.59%. Loan amount $30,000 or more; boats, RVs, aircraft and motorcycle loans only
Term: 73-84 months (greater than or equal to $30,000); Published APR range: 4.99% to 15.79%.
As Low As; Fixed
As Low As; Fixed
Additional APR listed for this product: 6.50%, 7.70%. As low as
As Low As; 2024 - 2021 Limited to 72 months
As Low As
As Low As; Applies with loan amount > $25,000
As Low As; *
As Low As; Loan Amount: $2,500+; Up to 125% financing for qualified applicants
Published APR range: 5.19% to 17.59%. Loan amount $50,000 or more; boats, RVs and aircraft loans only
Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle. Rates, terms and conditions are subject to change based on borrower eligibility and market conditions. All loans are subject to credit approval.
FL; As Low As; Payment Per $1,000 Borrowed: $19.02
Bay; As Low As
- Oct 10, 20265.24%▲ from 4.99%
- Sep 18, 20264.99%first recorded
Bay; As Low As
- Oct 10, 20265.24%▼ from 5.49%
- Sep 18, 20265.49%first recorded
Bay; As Low As
- Oct 10, 20265.24%▼ from 5.74%
- Sep 18, 20265.74%first recorded
Additional APR listed for this product: 7.00%, 8.20%. As low as
Published APR range: 5.25%-18.00%. Current + prior year less than 20,000 miles; Meet or beat the competition!
As Low As; Loan Term; **76-84 month term available for model years 2025 and newer only.
- Oct 10, 20265.34%▲ from 5.14%
- Sep 18, 20265.14%▲ from 4.89%
- Sep 14, 20264.89%first recorded
Model Year: New Auto 2025 & Newer
As Low As; Loan Amount: $5,000+; Up to 125% financing for qualified applicants
Published APR range: 5.39% to 17.59%. Loan amount $75,000 or more; boats, RVs and aircraft loans only
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.49%▲ from 5.39%
- Sep 18, 20265.39%first recorded
FL; As Low As; Payment Per $1,000 Borrowed: $17.63
GA; As Low As
- Oct 10, 20265.49%▲ from 4.99%
- Sep 18, 20264.99%first recorded
Max Term; Comments: --; APR based on TransUnion credit score of 730 or above
Term: 36, 60, 72 or 84 Months. According To Vehicle Value; As Low As; Maximum Amount: Up to 100% of list price; Fixed
Georgia Used Auto Auto Loan Rates
As Low As; Model Year: 2022-2026
As Low As; Model Year: 2022-2026
As Low As; Model Year: 2022-2026
As Low As; *
Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only
Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only
Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only
Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only
Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only
APR range: 3.99% to 14.69%
APR range: 3.99% to 14.69%
APR range: 3.99% to 14.69%
APR range: 3.99% to 14.69%
APR range: 3.99% to 14.69%
Published APR range: 4.00% - 11.00%. Tesla financing requires 20% equity; 100% of Retail Value for most based on credit worthiness.
Published APR range: 4.25% - 11.25%. Tesla financing requires 20% equity; $20,000+; 100% of Retail Value for most based on credit worthiness.
As Low As; *
As Low As; Age of Vehicle: 2016- Present
As Low As; Age of Vehicle: 2016- Present
As Low As; Age of Vehicle: 2016- Present
As Low As; *
As Low As; Model Year: 2022-2026
As Low As; Model Year: 2020-2021
As Low As; Model Year: 2020-2021
As Low As; Model Year: 2020-2021
Published APR range: 4.49% to 16.89%. Loan amount $20,000 or more; boats, RVs, aircraft and motorcycle loans only
Term: 61-72 months (greater than or equal to $20,000); APR range: 4.49% to 15.39%
As Low As; Age of Vehicle: 2016- Present
As Low As; APR
As Low As; APR
As Low As; Loan Amount: $2,500+
Published APR range: 4.75% - 11.75%. Tesla financing requires 20% equity; $30,000+; 100% of Retail Value for most based on credit worthiness.
As Low As; 2024 - 2021 Limited to 72 months
As Low As; Fixed
As Low As; *
As Low As
As Low As; Rates subject to change.
As Low As; Age of Vehicle: 2016- Present
As Low As; Model Year: 2020-2021
Best APR shown as rate; Best APR requires member reward discount qualifications (max discount 1.00%)
Best APR shown as rate; Best APR requires member reward discount qualifications (max discount 1.00%)
Best APR shown as rate; Best APR requires member reward discount qualifications (max discount 1.00%)
Category A (690+); Rate is as stated below, no discounts will apply; Floor Rate 4.50% APR
As Low As; Promotion applies to applications received 10/1/2026-11/30/2026; No payments until 2027
Published APR range: 4.99% to 17.59%. Loan amount $30,000 or more; boats, RVs, aircraft and motorcycle loans only
Term: 73-84 months (greater than or equal to $30,000); APR range: 4.99% to 16.09%
As Low As; Fixed
As Low As; 2024 - 2021 Limited to 72 months
As Low As; APR
As low as
As Low As; Loan Amount: $2,500+
Published APR range: 5.19% to 17.59%. Loan amount $50,000 or more; boats, RVs and aircraft loans only
Published APR range: 5.25% to 17.05%*. Used Automobile current years (1-3 years old); APR range printed as 5.25% to 17.05%*
As Low As
As Low As; Rates subject to change.
- Oct 5, 20265.34%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Model Year: 2019
- Oct 5, 20265.35%▲ from 4.49%
- Sep 17, 20264.49%first recorded
As Low As
As Low As; Rates subject to change.
Published APR range: 5.39% to 16.99%. Mileage: 25,000 - 99,999 miles
Published APR range: 5.39% to 16.99%. Mileage: 25,000 - 99,999 miles
Published APR range: 5.39% to 17.59%. Loan amount $75,000 or more; boats, RVs and aircraft loans only
As Low As; Fixed
Published APR range: 5.40% to 17.10%*. Used Automobile current years (1-3 years old); APR range printed as 5.40% to 17.10%*
As Low As; *
As Low As; Model Year: 2019
FL; As Low As
As Low As; Loan Amount: $2,500+
Georgia Auto Loan Rate Trends
Compare local Georgia 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.
Georgia new auto rates fell 0.011 points over the past 7 days to 4.964% APR.
Georgia used auto rates fell 0.016 points over the past 7 days to 5.569% APR.
Georgia Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Georgia figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Georgia APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 4.96% APR GA average | Used Auto @ 5.57% APR GA average | Monthly Difference |
|---|---|---|---|
| $15,000 | $282.82/mo | $287.00/mo | $4.18/mo |
| $25,000 | $471.37/mo | $478.33/mo | $6.96/mo |
| $35,000 | $659.91/mo | $669.66/mo | $9.75/mo |
| $45,000 | $848.46/mo | $860.99/mo | $12.53/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in Georgia
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Georgia locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Georgia. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
- Saving up for a bigger down payment: park it in a Georgia high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Georgia CD rates lock in a guaranteed return until you’re ready to buy
Georgia Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $566 monthly car payment works out to roughly 15.5% of the median individual income in Georgia. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Georgia, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1 to 3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0 to 2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Georgia. We’ve prefilled the APR with today’s GA new-auto average, or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Georgia auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Georgia directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Georgia. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in GA.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Bad Credit Auto Loans in Georgia
You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.
| Credit Tier | Score Range | New Car APR | Used Car APR | $25,000 Used, 60 Mo. |
|---|---|---|---|---|
| Super prime | 781 to 850 | 4.41% | 6.29% | $487/mo |
| Prime | 661 to 780 | 6.15% | 8.81% | $517/mo |
| Near prime | 601 to 660 | 9.71% | 13.93% | $581/mo |
| Subprime | 501 to 600 | 13.52% | 19.10% | $650/mo |
| Deep subprime | 300 to 500 | 16.11% | 21.62% | $685/mo |
Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.
Get Preapproved Before the Dealer
A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.
Put More Money Down
A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.
Keep the Term Short
A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.
Add a Cosigner
A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.
Be Careful With Buy Here Pay Here
These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.
Frequently Asked Questions about Auto Loans in Georgia
How does my credit score affect my car loan rate in Georgia?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
Should I get preapproved for an auto loan before visiting a dealer in Georgia?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
Can I get an auto loan with bad credit in Georgia?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Georgia?
- P&S Credit Union: 2.49% (New Truck & Auto Loans (2026 and Untitled 2025 Vehicles))
- Credit Union of Georgia: 3.49% (New Vehicle Loan)
- Credit Union Of Atlanta: 3.49% (New Vehicles Loan)
- The Southern Credit Union: 3.50% (New Auto (Model Year 2025 or newer))
- Combined Employees Credit Union: 3.75% (New & Current Model Autos (Under 15,000 Miles))
Georgia Rates & Resources
Auto Loan Rates by City in Georgia
