Auto Loan Rates in Gainesville, Georgia (GA) for June 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
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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 Gainesville, Georgia. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Gainesville, Georgia include Lanier Federal Credit UnionLanier Federal Credit Union1430 Thompson Bridge Rd, Gainesville, GA, 30501 1712A+5.0 ★Texas Ratio: 2.91% offering New Autos - 2024 Year Model (Max 50K miles) Minimum loan amount k at 3.75%, SouthState BankSouthState Bank450 Ee Butler Pkwy, Gainesville, GA, 30501A+5.0 ★Texas Ratio: 3.02% offering Car Loans at 5.23%, Delta Community Credit UnionDelta Community Credit Union891 Dawsonville Hwy Ste 140, Gainesville, GA, 30501A+5.0 ★Texas Ratio: 1.49% offering New and Used Other Vehicle Loans at 6.39%, Faith Connection Federal Credit UnionFaith Connection Federal Credit UnionA+5.0 ★Texas Ratio: 2.22% offering Auto Loan at 2.99%, Associated Credit UnionAssociated Credit UnionA+5.0 ★Texas Ratio: 2.28% offering Vehicle Loan at 4.00%. Auto loan rates as of June 23, 2026 according to verified data from MonitorBankRates.
Gainesville has 3 local institutions in our database, with auto loan rates as low as 3.75% APR from Lanier Federal Credit Union at 1430 Thompson Bridge Rd, Gainesville, GA, 30501 1712. 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 Gainesville, Georgia. Auto Loan Rates Last Updated and Verified: June 23, 2026
Compare Auto Loan Rates Today in Gainesville, Georgia & Surrounding Area
Gainesville Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Lanier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
1430 Thompson Bridge Rd, Gainesville, GA, 30501 1712
New Autos - 2024 Year Model (Max 50K miles) Minimum loan amount k
3.75%
36 months or less
▼
APR3.75%
Term36 months or less
Last UpdatedJun 16, 2026
Details
$40; New Autos: Purchase/Refinance (add .5% for cash out)
Lanier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
1430 Thompson Bridge Rd, Gainesville, GA, 30501 1712
New Autos - 2024 Year Model (Max 50K miles) Minimum loan amount k
3.99%
2024 Year
▼
APR3.99%
Term2024 Year
Last UpdatedJun 16, 2026
Details
$40; New Autos: Purchase/Refinance (add .5% for cash out)
Lanier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
1430 Thompson Bridge Rd, Gainesville, GA, 30501 1712
New Autos - 2024 Year Model (Max 50K miles) Minimum loan amount k
4.25%
2024 Year
▼
APR4.25%
Term2024 Year
Last UpdatedJun 16, 2026
Details
$40; New Autos: Purchase/Refinance (add .5% for cash out)
Lanier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
1430 Thompson Bridge Rd, Gainesville, GA, 30501 1712
New Autos - 2024 Year Model (Max 50K miles) Minimum loan amount k
4.49%
2024 Year
▼
APR4.49%
Term2024 Year
Last UpdatedJun 16, 2026
Details
$40; New Autos: Purchase/Refinance (add .5% for cash out)
Lanier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
1430 Thompson Bridge Rd, Gainesville, GA, 30501 1712
New Autos - 2024 Year Model (Max 50K miles) Minimum loan amount k
4.99%
2024 Year
▼
APR4.99%
Term2024 Year
Last UpdatedJun 16, 2026
Details
$40; New Autos: Purchase/Refinance (add .5% for cash out)
SouthState Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
450 Ee Butler Pkwy, Gainesville, GA, 30501
Car Loans
5.23%
72 months
▼
APR5.23%
Term72 months
Last UpdatedJun 16, 2026
Details
Rates from 5.23% APR for new Cars. Annual Percentage Rate (APR) is accurate as of 02/02/2026 and includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Minimum loan amount $4,000; maximum loan amount $150,000. 5.23% APR is based on an example loan amount of $42,500 for a term of 72 months with monthly payments of $686.61. Additional fees may apply. Other restrictions may apply. 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.
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
891 Dawsonville Hwy Ste 140, Gainesville, GA, 30501
New and Used Other Vehicle Loans
6.39%
Up to 12 months
▼
APR6.39%
TermUp to 12 months
Last UpdatedJun 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
891 Dawsonville Hwy Ste 140, Gainesville, GA, 30501
New and Used Other Vehicle Loans
6.89%
72 months for $20,000 or more on boats, RVs, aircraft and motorcycle loans only
▼
APR6.89%
Term72 months for $20,000 or more on boats, RVs, aircraft and motorcycle loans only
Last UpdatedJun 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
891 Dawsonville Hwy Ste 140, Gainesville, GA, 30501
New and Used Other Vehicle Loans
7.39%
84 months for $30,000 or more on boats, RVs, aircraft and motorcycle loans only
▼
APR7.39%
Term84 months for $30,000 or more on boats, RVs, aircraft and motorcycle loans only
Last UpdatedJun 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
891 Dawsonville Hwy Ste 140, Gainesville, GA, 30501
New and Used Other Vehicle Loans
7.59%
120 months for $50,000 or more on boats, RVs and aircraft loans only
▼
APR7.59%
Term120 months for $50,000 or more on boats, RVs and aircraft loans only
Last UpdatedJun 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
891 Dawsonville Hwy Ste 140, Gainesville, GA, 30501
New and Used Other Vehicle Loans
7.79%
180 months for $75,000 or more on boats, RVs and aircraft loans only
▼
APR7.79%
Term180 months for $75,000 or more on boats, RVs and aircraft loans only
Last UpdatedJun 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
891 Dawsonville Hwy Ste 140, Gainesville, GA, 30501
New and Used Other Vehicle Loans
7.99%
240 months for $100,000 or more on boats, RVs and aircraft loans only
▼
APR7.99%
Term240 months for $100,000 or more on boats, RVs and aircraft loans only
Last UpdatedJun 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
891 Dawsonville Hwy Ste 140, Gainesville, GA, 30501
New and Used Small Vehicle Loans
8.00%
Up to 12 months
▼
APR8.00%
TermUp to 12 months
Last UpdatedJun 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
891 Dawsonville Hwy Ste 140, Gainesville, GA, 30501
New and Used Small Vehicle Loans
8.25%
24 months
▼
APR8.25%
Term24 months
Last UpdatedJun 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
891 Dawsonville Hwy Ste 140, Gainesville, GA, 30501
New and Used Small Vehicle Loans
8.50%
36 months
▼
APR8.50%
Term36 months
Last UpdatedJun 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
891 Dawsonville Hwy Ste 140, Gainesville, GA, 30501
New and Used Small Vehicle Loans
8.75%
48 months
▼
APR8.75%
Term48 months
Last UpdatedJun 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
891 Dawsonville Hwy Ste 140, Gainesville, GA, 30501
New and Used Small Vehicle Loans
9.00%
60 months
▼
APR9.00%
Term60 months
Last UpdatedJun 16, 2026
Details
Faith Connection Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
Auto Loan
2.99%
6 months
▼
APR2.99%
Term6 months
Last UpdatedJun 16, 2026
Details
Introductory rate for 6 months, after the 6 month period rate will default to standard rate set through the credit union. Terms and Conditions Apply. See credit union for full details.
Associated Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
Vehicle Loan
4.00%
Up To 84 Months
▼
APR4.00%
TermUp To 84 Months
Last UpdatedJun 16, 2026
Details
Model Year(s): 2026 - 2023 NADA Retail / MSRP
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
New Auto 0-24 Months
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedJun 23, 2026
Details
Best APR: 2.50%
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
New Auto 25-48 Months
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedJun 23, 2026
Details
Best APR: 2.50%
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
New Auto 49-60 Months
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedJun 23, 2026
Details
Best APR: 2.50%
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Auto Loans
4.14%
0 - 75 Months
▼
APR4.14%
Term0 - 75 Months
Last UpdatedJun 11, 2026
Details
As Low As; 2026 & Newer
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
Used Auto 0-24 Months
4.20%
24 Months
▼
APR4.20%
Term24 Months
Last UpdatedJun 23, 2026
Details
Best APR: 2.70%
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
Used Auto 25-48 Months
4.20%
48 Months
▼
APR4.20%
Term48 Months
Last UpdatedJun 23, 2026
Details
Best APR: 2.70%
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
Used Auto 49-60 Months
4.20%
60 Months
▼
APR4.20%
Term60 Months
Last UpdatedJun 23, 2026
Details
Best APR: 2.70%
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
New Cars & Trucks Loan
4.39%
63 months or less
▼
APR4.39%
Term63 months or less
Last UpdatedJun 23, 2026
Details
For qualified borrowers, the Credit Union can finance up to 135% of MSRP or NADA Retail INCLUDES tax, tag, warranty. In addition GAP Protection may be added. 76- 84 months on new vehicles requires invoice or NADA retail value greater than $12,500.00. Proof of insurance is required with $1,000 deductible standard.
Artesian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.26%
Vehicle Loans (Current up to 3 Years Old)
4.50%
3 Years
▼
APR4.50%
Term3 Years
Last UpdatedJun 23, 2026
Details
Southern Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
NEW AUTO
4.60%
63 MONTHS
▼
APR4.60%
Term63 MONTHS
Last UpdatedJun 16, 2026
Details
All rates are subject to change without notice. Your actual rate, payment, and costs could be higher. APR (Annual Percentage Rate). A lower credit score may cause a higher loan rate. Your APR is based on credit worthiness, loan amount, current mileage, term of the loan and loan to value.
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedJun 16, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
Vehicle Loans
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedJun 23, 2026
Details
Loan Amount: $2,500+
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
New Cars & Trucks Loan
4.89%
64 - 75 months
▼
APR4.89%
Term64 - 75 months
Last UpdatedJun 23, 2026
Details
For qualified borrowers, the Credit Union can finance up to 135% of MSRP or NADA Retail INCLUDES tax, tag, warranty. In addition GAP Protection may be added. 76- 84 months on new vehicles requires invoice or NADA retail value greater than $12,500.00. Proof of insurance is required with $1,000 deductible standard.
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
Vehicle Loans
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedJun 23, 2026
Details
Loan Amount: $2,500+
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
New Auto 61-72 Months
4.90%
72 Months
▼
APR4.90%
Term72 Months
Last UpdatedJun 23, 2026
Details
Best APR: 3.40%
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedJun 16, 2026
Details
Associated Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
Vehicle Loan
5.00%
Up To 75 Months
▼
APR5.00%
TermUp To 75 Months
Last UpdatedJun 16, 2026
Details
Model Year(s): 2022 - 2021 NADA Retail
Artesian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.26%
Vehicle Loans (Current up to 3 Years Old)
5.00%
3 Years
▼
APR5.00%
Term3 Years
Last UpdatedJun 23, 2026
Details
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
Used Auto 61-72 Months
5.10%
72 Months
▼
APR5.10%
Term72 Months
Last UpdatedJun 23, 2026
Details
Best APR: 3.60%
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Auto Loans
5.14%
0 - 75 Months
▼
APR5.14%
Term0 - 75 Months
Last UpdatedJun 11, 2026
Details
As Low As; 2023 - 2025*
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedJun 16, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
Vehicle Loans
5.19%
48 months
▼
APR5.19%
Term48 months
Last UpdatedJun 23, 2026
Details
Loan Amount: $2,500+
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
Auto Loan
5.24%
48 months or less
▼
APR5.24%
Term48 months or less
Last UpdatedJun 11, 2026
Details
Bay; As Low As
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
Used Cars & Trucks (25,000 - 99,999 miles) Loan
5.39%
63 months or less
▼
APR5.39%
Term63 months or less
Last UpdatedJun 23, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
Used Cars & Trucks Loan
5.39%
63 months or less
▼
APR5.39%
Term63 months or less
Last UpdatedJun 23, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
Vehicle Loans
5.39%
60 months
▼
APR5.39%
Term60 months
Last UpdatedJun 23, 2026
Details
Loan Amount: $5,000+
Bond Community Federal Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.36%
New Vehicles Loan
5.49%
36, 60, 72 or 84 Months. According To Vehicle Value
▼
APR5.49%
Term36, 60, 72 or 84 Months. According To Vehicle Value
Last UpdatedJun 16, 2026
Details
Fixed Rate
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto
5.49%
Up to 75 Months
▼
APR5.49%
TermUp to 75 Months
Last UpdatedJun 16, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
Vehicle Loans
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedJun 23, 2026
Details
Loan Amount: $2,500+
Associated Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
Vehicle Loan
5.50%
Up To 66 Months
▼
APR5.50%
TermUp To 66 Months
Last UpdatedJun 16, 2026
Details
Model Year(s): 2020 - 2019 NADA Retail
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
Vehicle Loans
5.59%
72 months
▼
APR5.59%
Term72 months
Last UpdatedJun 23, 2026
Details
Loan Amount: $15,000+
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
New Cars & Trucks Loan
5.69%
76 - 84 months
▼
APR5.69%
Term76 - 84 months
Last UpdatedJun 23, 2026
Details
For qualified borrowers, the Credit Union can finance up to 135% of MSRP or NADA Retail INCLUDES tax, tag, warranty. In addition GAP Protection may be added. 76- 84 months on new vehicles requires invoice or NADA retail value greater than $12,500.00. Proof of insurance is required with $1,000 deductible standard.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
New & Used Vehicles Loan
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedJun 16, 2026
Details
Artesian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.26%
Vehicle Loans (4 Years or Older)
5.75%
4 Years
▼
APR5.75%
Term4 Years
Last UpdatedJun 23, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
Used Cars & Trucks (25,000 - 99,999 miles) Loan
5.89%
64 to 75 months
▼
APR5.89%
Term64 to 75 months
Last UpdatedJun 23, 2026
Details
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
New Auto 73-84 Months
5.90%
84 Months
▼
APR5.90%
Term84 Months
Last UpdatedJun 23, 2026
Details
Best APR: 4.40%
Bond Community Federal Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.36%
Used Vehicles Loan
5.99%
According To Vehicle Value and Age
▼
APR5.99%
TermAccording To Vehicle Value and Age
Last UpdatedJun 16, 2026
Details
Fixed Rate
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto (2018 or older)
5.99%
Up to 60 Months
▼
APR5.99%
TermUp to 60 Months
Last UpdatedJun 16, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
Vehicle Loans
6.09%
72 months
▼
APR6.09%
Term72 months
Last UpdatedJun 23, 2026
Details
Loan Amount: $15,000+
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
Used Auto 73-84 Months
6.10%
84 Months
▼
APR6.10%
Term84 Months
Last UpdatedJun 23, 2026
Details
Best APR: 4.60%
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Auto Loans
6.14%
76 - 84 Months
▼
APR6.14%
Term76 - 84 Months
Last UpdatedJun 11, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
New Auto
6.14%
Up to 84 Months
▼
APR6.14%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
New Car Loan
6.25%
up to 84 months
▼
APR6.25%
Termup to 84 months
Last UpdatedJun 16, 2026
Details
Artesian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.26%
Vehicle Loans (4 Years or Older)
6.25%
4 Years
▼
APR6.25%
Term4 Years
Last UpdatedJun 23, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
Used Cars & Trucks (Greater than 100,000 miles but less than 175,000 miles) Loan
6.39%
63 months or less
▼
APR6.39%
Term63 months or less
Last UpdatedJun 23, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto
6.49%
Up to 84 Months
▼
APR6.49%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
Used Cars & Trucks (25,000 - 99,999 miles) Loan
6.69%
76 to 84 months
▼
APR6.69%
Term76 to 84 months
Last UpdatedJun 23, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
Vehicle Loans
6.84%
Up to 36 months
▼
APR6.84%
TermUp to 36 months
Last UpdatedJun 23, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
Used Cars & Trucks (Greater than 100,000 miles but less than 175,000 miles) Loan
6.89%
64 to 75 months
▼
APR6.89%
Term64 to 75 months
Last UpdatedJun 23, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
Vehicle Loans
6.89%
84 months
▼
APR6.89%
Term84 months
Last UpdatedJun 23, 2026
Details
Loan Amount: $20,000+
Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
Used Car - less than 100,000 Miles Loan
7.00%
up to 84 months
▼
APR7.00%
Termup to 84 months
Last UpdatedJun 16, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
Vehicle Loans
7.09%
84 months
▼
APR7.09%
Term84 months
Last UpdatedJun 23, 2026
Details
Loan Amount: $20,000+
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
Auto Loan
7.49%
84 months
▼
APR7.49%
Term84 months
Last UpdatedJun 11, 2026
Details
Bay; As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
Vehicle Loans
7.74%
72 months
▼
APR7.74%
Term72 months
Last UpdatedJun 23, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
Vehicle Loans
7.89%
96 months
▼
APR7.89%
Term96 months
Last UpdatedJun 23, 2026
Details
Loan Amount: $40,000+
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
Vehicle Loans
7.94%
84 months
▼
APR7.94%
Term84 months
Last UpdatedJun 23, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
Vehicle Loans
8.09%
96 months
▼
APR8.09%
Term96 months
Last UpdatedJun 23, 2026
Details
Loan Amount: $40,000+
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
Classic Vehicle Loans
8.99%
Up to 4 years
▼
APR8.99%
TermUp to 4 years
Last UpdatedJun 16, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
Used Car - greater than 100,000 Miles Loan
9.00%
up to 72 months
▼
APR9.00%
Termup to 72 months
Last UpdatedJun 16, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
Auto Loan
9.99%
145 - 180 months
▼
APR9.99%
Term145 - 180 months
Last UpdatedJun 23, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
Auto Loan
10.99%
145 - 180 months
▼
APR10.99%
Term145 - 180 months
Last UpdatedJun 23, 2026
Details
Powered by
MonitorBankRates
Gainesville New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Lanier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
1430 Thompson Bridge Rd, Gainesville, GA, 30501 1712
New Autos - 2024 Year Model (Max 50K miles) Minimum loan amount k
3.75%
36 months or less
▼
APR3.75%
Term36 months or less
Last UpdatedJun 16, 2026
Details
$40; New Autos: Purchase/Refinance (add .5% for cash out)
Lanier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
1430 Thompson Bridge Rd, Gainesville, GA, 30501 1712
New Autos - 2024 Year Model (Max 50K miles) Minimum loan amount k
3.99%
2024 Year
▼
APR3.99%
Term2024 Year
Last UpdatedJun 16, 2026
Details
$40; New Autos: Purchase/Refinance (add .5% for cash out)
Lanier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
1430 Thompson Bridge Rd, Gainesville, GA, 30501 1712
New Autos - 2024 Year Model (Max 50K miles) Minimum loan amount k
4.25%
2024 Year
▼
APR4.25%
Term2024 Year
Last UpdatedJun 16, 2026
Details
$40; New Autos: Purchase/Refinance (add .5% for cash out)
Lanier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
1430 Thompson Bridge Rd, Gainesville, GA, 30501 1712
New Autos - 2024 Year Model (Max 50K miles) Minimum loan amount k
4.49%
2024 Year
▼
APR4.49%
Term2024 Year
Last UpdatedJun 16, 2026
Details
$40; New Autos: Purchase/Refinance (add .5% for cash out)
Lanier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
1430 Thompson Bridge Rd, Gainesville, GA, 30501 1712
New Autos - 2024 Year Model (Max 50K miles) Minimum loan amount k
4.99%
2024 Year
▼
APR4.99%
Term2024 Year
Last UpdatedJun 16, 2026
Details
$40; New Autos: Purchase/Refinance (add .5% for cash out)
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
891 Dawsonville Hwy Ste 140, Gainesville, GA, 30501
New and Used Other Vehicle Loans
6.39%
Up to 12 months
▼
APR6.39%
TermUp to 12 months
Last UpdatedJun 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
891 Dawsonville Hwy Ste 140, Gainesville, GA, 30501
New and Used Other Vehicle Loans
6.89%
72 months for $20,000 or more on boats, RVs, aircraft and motorcycle loans only
▼
APR6.89%
Term72 months for $20,000 or more on boats, RVs, aircraft and motorcycle loans only
Last UpdatedJun 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
891 Dawsonville Hwy Ste 140, Gainesville, GA, 30501
New and Used Other Vehicle Loans
7.39%
84 months for $30,000 or more on boats, RVs, aircraft and motorcycle loans only
▼
APR7.39%
Term84 months for $30,000 or more on boats, RVs, aircraft and motorcycle loans only
Last UpdatedJun 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
891 Dawsonville Hwy Ste 140, Gainesville, GA, 30501
New and Used Other Vehicle Loans
7.59%
120 months for $50,000 or more on boats, RVs and aircraft loans only
▼
APR7.59%
Term120 months for $50,000 or more on boats, RVs and aircraft loans only
Last UpdatedJun 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
891 Dawsonville Hwy Ste 140, Gainesville, GA, 30501
New and Used Other Vehicle Loans
7.79%
180 months for $75,000 or more on boats, RVs and aircraft loans only
▼
APR7.79%
Term180 months for $75,000 or more on boats, RVs and aircraft loans only
Last UpdatedJun 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
891 Dawsonville Hwy Ste 140, Gainesville, GA, 30501
New and Used Other Vehicle Loans
7.99%
240 months for $100,000 or more on boats, RVs and aircraft loans only
▼
APR7.99%
Term240 months for $100,000 or more on boats, RVs and aircraft loans only
Last UpdatedJun 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
891 Dawsonville Hwy Ste 140, Gainesville, GA, 30501
New and Used Small Vehicle Loans
8.00%
Up to 12 months
▼
APR8.00%
TermUp to 12 months
Last UpdatedJun 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
891 Dawsonville Hwy Ste 140, Gainesville, GA, 30501
New and Used Small Vehicle Loans
8.25%
24 months
▼
APR8.25%
Term24 months
Last UpdatedJun 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
891 Dawsonville Hwy Ste 140, Gainesville, GA, 30501
New and Used Small Vehicle Loans
8.50%
36 months
▼
APR8.50%
Term36 months
Last UpdatedJun 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
891 Dawsonville Hwy Ste 140, Gainesville, GA, 30501
New and Used Small Vehicle Loans
8.75%
48 months
▼
APR8.75%
Term48 months
Last UpdatedJun 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
891 Dawsonville Hwy Ste 140, Gainesville, GA, 30501
New and Used Small Vehicle Loans
9.00%
60 months
▼
APR9.00%
Term60 months
Last UpdatedJun 16, 2026
Details
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
New Auto 0-24 Months
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedJun 23, 2026
Details
Best APR: 2.50%
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
New Auto 25-48 Months
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedJun 23, 2026
Details
Best APR: 2.50%
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
New Auto 49-60 Months
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedJun 23, 2026
Details
Best APR: 2.50%
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
New Cars & Trucks Loan
4.39%
63 months or less
▼
APR4.39%
Term63 months or less
Last UpdatedJun 23, 2026
Details
For qualified borrowers, the Credit Union can finance up to 135% of MSRP or NADA Retail INCLUDES tax, tag, warranty. In addition GAP Protection may be added. 76- 84 months on new vehicles requires invoice or NADA retail value greater than $12,500.00. Proof of insurance is required with $1,000 deductible standard.
Southern Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
NEW AUTO
4.60%
63 MONTHS
▼
APR4.60%
Term63 MONTHS
Last UpdatedJun 16, 2026
Details
All rates are subject to change without notice. Your actual rate, payment, and costs could be higher. APR (Annual Percentage Rate). A lower credit score may cause a higher loan rate. Your APR is based on credit worthiness, loan amount, current mileage, term of the loan and loan to value.
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedJun 16, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
New Cars & Trucks Loan
4.89%
64 - 75 months
▼
APR4.89%
Term64 - 75 months
Last UpdatedJun 23, 2026
Details
For qualified borrowers, the Credit Union can finance up to 135% of MSRP or NADA Retail INCLUDES tax, tag, warranty. In addition GAP Protection may be added. 76- 84 months on new vehicles requires invoice or NADA retail value greater than $12,500.00. Proof of insurance is required with $1,000 deductible standard.
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
New Auto 61-72 Months
4.90%
72 Months
▼
APR4.90%
Term72 Months
Last UpdatedJun 23, 2026
Details
Best APR: 3.40%
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedJun 16, 2026
Details
Bond Community Federal Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.36%
New Vehicles Loan
5.49%
36, 60, 72 or 84 Months. According To Vehicle Value
▼
APR5.49%
Term36, 60, 72 or 84 Months. According To Vehicle Value
Last UpdatedJun 16, 2026
Details
Fixed Rate
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
New Cars & Trucks Loan
5.69%
76 - 84 months
▼
APR5.69%
Term76 - 84 months
Last UpdatedJun 23, 2026
Details
For qualified borrowers, the Credit Union can finance up to 135% of MSRP or NADA Retail INCLUDES tax, tag, warranty. In addition GAP Protection may be added. 76- 84 months on new vehicles requires invoice or NADA retail value greater than $12,500.00. Proof of insurance is required with $1,000 deductible standard.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
New & Used Vehicles Loan
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedJun 16, 2026
Details
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
New Auto 73-84 Months
5.90%
84 Months
▼
APR5.90%
Term84 Months
Last UpdatedJun 23, 2026
Details
Best APR: 4.40%
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
New Auto
6.14%
Up to 84 Months
▼
APR6.14%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
New Car Loan
6.25%
up to 84 months
▼
APR6.25%
Termup to 84 months
Last UpdatedJun 16, 2026
Details
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Gainesville Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
891 Dawsonville Hwy Ste 140, Gainesville, GA, 30501
New and Used Other Vehicle Loans
6.39%
Up to 12 months
▼
APR6.39%
TermUp to 12 months
Last UpdatedJun 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
891 Dawsonville Hwy Ste 140, Gainesville, GA, 30501
New and Used Other Vehicle Loans
6.89%
72 months for $20,000 or more on boats, RVs, aircraft and motorcycle loans only
▼
APR6.89%
Term72 months for $20,000 or more on boats, RVs, aircraft and motorcycle loans only
Last UpdatedJun 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
891 Dawsonville Hwy Ste 140, Gainesville, GA, 30501
New and Used Other Vehicle Loans
7.39%
84 months for $30,000 or more on boats, RVs, aircraft and motorcycle loans only
▼
APR7.39%
Term84 months for $30,000 or more on boats, RVs, aircraft and motorcycle loans only
Last UpdatedJun 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
891 Dawsonville Hwy Ste 140, Gainesville, GA, 30501
New and Used Other Vehicle Loans
7.59%
120 months for $50,000 or more on boats, RVs and aircraft loans only
▼
APR7.59%
Term120 months for $50,000 or more on boats, RVs and aircraft loans only
Last UpdatedJun 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
891 Dawsonville Hwy Ste 140, Gainesville, GA, 30501
New and Used Other Vehicle Loans
7.79%
180 months for $75,000 or more on boats, RVs and aircraft loans only
▼
APR7.79%
Term180 months for $75,000 or more on boats, RVs and aircraft loans only
Last UpdatedJun 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
891 Dawsonville Hwy Ste 140, Gainesville, GA, 30501
New and Used Other Vehicle Loans
7.99%
240 months for $100,000 or more on boats, RVs and aircraft loans only
▼
APR7.99%
Term240 months for $100,000 or more on boats, RVs and aircraft loans only
Last UpdatedJun 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
891 Dawsonville Hwy Ste 140, Gainesville, GA, 30501
New and Used Small Vehicle Loans
8.00%
Up to 12 months
▼
APR8.00%
TermUp to 12 months
Last UpdatedJun 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
891 Dawsonville Hwy Ste 140, Gainesville, GA, 30501
New and Used Small Vehicle Loans
8.25%
24 months
▼
APR8.25%
Term24 months
Last UpdatedJun 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
891 Dawsonville Hwy Ste 140, Gainesville, GA, 30501
New and Used Small Vehicle Loans
8.50%
36 months
▼
APR8.50%
Term36 months
Last UpdatedJun 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
891 Dawsonville Hwy Ste 140, Gainesville, GA, 30501
New and Used Small Vehicle Loans
8.75%
48 months
▼
APR8.75%
Term48 months
Last UpdatedJun 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
891 Dawsonville Hwy Ste 140, Gainesville, GA, 30501
New and Used Small Vehicle Loans
9.00%
60 months
▼
APR9.00%
Term60 months
Last UpdatedJun 16, 2026
Details
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
Used Auto 0-24 Months
4.20%
24 Months
▼
APR4.20%
Term24 Months
Last UpdatedJun 23, 2026
Details
Best APR: 2.70%
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
Used Auto 25-48 Months
4.20%
48 Months
▼
APR4.20%
Term48 Months
Last UpdatedJun 23, 2026
Details
Best APR: 2.70%
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
Used Auto 49-60 Months
4.20%
60 Months
▼
APR4.20%
Term60 Months
Last UpdatedJun 23, 2026
Details
Best APR: 2.70%
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedJun 16, 2026
Details
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
Used Auto 61-72 Months
5.10%
72 Months
▼
APR5.10%
Term72 Months
Last UpdatedJun 23, 2026
Details
Best APR: 3.60%
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
Used Cars & Trucks (25,000 - 99,999 miles) Loan
5.39%
63 months or less
▼
APR5.39%
Term63 months or less
Last UpdatedJun 23, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
Used Cars & Trucks Loan
5.39%
63 months or less
▼
APR5.39%
Term63 months or less
Last UpdatedJun 23, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto
5.49%
Up to 75 Months
▼
APR5.49%
TermUp to 75 Months
Last UpdatedJun 16, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
New & Used Vehicles Loan
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedJun 16, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
Used Cars & Trucks (25,000 - 99,999 miles) Loan
5.89%
64 to 75 months
▼
APR5.89%
Term64 to 75 months
Last UpdatedJun 23, 2026
Details
Bond Community Federal Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.36%
Used Vehicles Loan
5.99%
According To Vehicle Value and Age
▼
APR5.99%
TermAccording To Vehicle Value and Age
Last UpdatedJun 16, 2026
Details
Fixed Rate
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto (2018 or older)
5.99%
Up to 60 Months
▼
APR5.99%
TermUp to 60 Months
Last UpdatedJun 16, 2026
Details
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
Used Auto 73-84 Months
6.10%
84 Months
▼
APR6.10%
Term84 Months
Last UpdatedJun 23, 2026
Details
Best APR: 4.60%
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
Used Cars & Trucks (Greater than 100,000 miles but less than 175,000 miles) Loan
6.39%
63 months or less
▼
APR6.39%
Term63 months or less
Last UpdatedJun 23, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto
6.49%
Up to 84 Months
▼
APR6.49%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
Used Cars & Trucks (25,000 - 99,999 miles) Loan
6.69%
76 to 84 months
▼
APR6.69%
Term76 to 84 months
Last UpdatedJun 23, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
Used Cars & Trucks (Greater than 100,000 miles but less than 175,000 miles) Loan
6.89%
64 to 75 months
▼
APR6.89%
Term64 to 75 months
Last UpdatedJun 23, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
Used Car - less than 100,000 Miles Loan
7.00%
up to 84 months
▼
APR7.00%
Termup to 84 months
Last UpdatedJun 16, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
Used Car - greater than 100,000 Miles Loan
9.00%
up to 72 months
▼
APR9.00%
Termup to 72 months
Last UpdatedJun 16, 2026
Details
Powered by
MonitorBankRates
Gainesville, GA Auto Loan Rate Trends
Compare local Gainesville, 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.
New Auto Loan — GA Avg
4.561%
Unchanged vs 7 days ago
Georgia new auto loan rates currently average 4.561% APR.
Used Auto Loan — GA Avg
5.604%
Unchanged vs 7 days ago
Georgia used auto loan rates currently average 5.604% APR.
As of Jun 25, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Gainesville, 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 Gainesville, 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 Gainesville, 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.
Frequently Asked Questions about Auto Loans in Gainesville, 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 Gainesville, 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 Gainesville, 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 Gainesville, Georgia?
Based on our current data, some of the lowest auto loan rates available in Gainesville, Georgia include:
- Lanier Federal Credit Union: 3.75% (New Autos - 2024 Year Model (Max 50K miles) Minimum loan amount k)
- SouthState Bank: 5.23% (Car Loans)
- Delta Community Credit Union: 6.39% (New and Used Other Vehicle Loans)
- Faith Connection Federal Credit Union: 2.99% (Auto Loan)
- Associated Credit Union: 4.00% (Vehicle Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Gainesville, Georgia. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: June 23, 2026
Gainesville, Georgia Rates & Resources
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