Car Loan Refinance

Love Your Car but Not Your Payment? Refinance and Save Today!

Now is the perfect time to refinance your Car Loan with Delta Community and save money each month for the life of your loan.

Refinancing is easy. We handle everything, including your loan payoff, so you can start saving...fast.

Learn More about Car Loan Refinance Apply Now for Car Loan Refinance

Overview & Benefits

Our Car Loans Come with Great Features

  • Competitively low interest rates
  • No pre-payment penalties
  • Multiple repayment methods
  • No application or origination fees
  • Friendly, personalized service from Georgia’s largest credit union

Auto and Other Vehicle Loan Calculators

Try our Auto and Vehicle Loan Calculators to help answer some frequently asked questions on car loan payments, financing and more.

Rates

A Car Loan where great rates come standard

Take a look at these rates and terms for new and used cars—we have great, competitive rates and affordable payment options. Use our handy auto loan calculators and compare rates to help find the best option for you. To estimate payment amounts, see our Car Loan Calculators.

New Cars

Term APR*
Up to 12 months 4.38% to 14.88%
Term:
Up to 12 months
4.38% to 14.88%
APR*:
4.38% to 14.88%
24 months 4.38% to 14.88%
Term:
24 months
4.38% to 14.88%
APR*:
4.38% to 14.88%
36 months 4.38% to 14.88%
Term:
36 months
4.38% to 14.88%
APR*:
4.38% to 14.88%
48 months 4.38% to 14.88%
Term:
48 months
4.38% to 14.88%
APR*:
4.38% to 14.88%
60 months 4.38% to 14.88%
Term:
60 months
4.38% to 14.88%
APR*:
4.38% to 14.88%
61-72 months (greater than or equal to $20,000) 4.88% to 15.58%
Term:
61-72 months (greater than or equal to $20,000)
4.88% to 15.58%
APR*:
4.88% to 15.58%
73-84 months (greater than or equal to $35,000) 5.38% to 16.28%
Term:
73-84 months (greater than or equal to $35,000)
5.38% to 16.28%
APR*:
5.38% to 16.28%

Used Car Loans**

Term APR*
Up to 12 months 4.78% to 15.28%
Term:
Up to 12 months
4.78% to 15.28%
APR*:
4.78% to 15.28%
24 months 4.78% to 15.28%
Term:
24 months
4.78% to 15.28%
APR*:
4.78% to 15.28%
36 months 4.78% to 15.28%
Term:
36 months
4.78% to 15.28%
APR*:
4.78% to 15.28%
48 months 4.78% to 15.28%
Term:
48 months
4.78% to 15.28%
APR*:
4.78% to 15.28%
60 months 4.78% to 15.28%
Term:
60 months
4.78% to 15.28%
APR*:
4.78% to 15.28%
61-72 months (greater than or equal to $20,000) 5.28% to 15.98%
Term:
61-72 months (greater than or equal to $20,000)
5.28% to 15.98%
APR*:
5.28% to 15.98%
73-84 months (greater than or equal to $35,000) 5.78% to 16.68%
Term:
73-84 months (greater than or equal to $35,000)
5.78% to 16.68%
APR*:
5.78% to 16.68%

*Rates expressed as Annual Percentage Rate (APR). Rates are based on creditworthiness and term of loan and are subject to change without notice.

**Used autos are generally less than 15 years old and have less than 100,000 miles. Exceptions are made for vintage and classic cars.

Compare Rates

Compare Auto Loan Rates

Company APR*
US Bank 7.01%
Company
US Bank
APR*
7.01%
Chase Bank 6.44%
Company
Chase Bank
APR*
6.44%
Regions 6.02%
Company
Regions
APR*
6.02%
PNC Bank 5.39%
Company
PNC Bank
APR*
5.39%
Bank of America 4.99%
Company
Bank of America
APR*
4.99%
Truist 4.46%
Company
Truist
APR*
4.46%
Delta Community 2.980%
Company
Delta Community
APR*
2.980%

Competitor APRs as of the first day of the current month and are provided by mybanktracker.com.

*Rates expressed as Annual Percentage Rate (APR). Rates are based on creditworthiness and term of loan and are subject to change without notice.

Fees

Loan Fees

Fee Type Amount
Late Payment Fee $25.00 per month late
Fee Type:
Late Payment Fee
Amount:
$25.00 per month late
NSF for Returned Loan Payment, Personal Line of Credit Check or ACH $25.00
Fee Type:
NSF for Returned Loan Payment, Personal Line of Credit Check or ACH
Amount:
$25.00
Pay by Phone Loan Payment Transfer from a non-Delta Community account $8.00
Fee Type:
Pay by Phone Loan Payment Transfer from a non-Delta Community account
Amount:
$8.00