woman driving with her son in convertible car

Car Loan Refinance

Love Your Car but Not Your Payment?

Refinance and Save Today

Before rates creep up, 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 Refinancing

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.

New Car Loans

Term APR*
Up to 12 months 1.98% to 13.48%
Term: Up to 12 months APR*: 1.98% to 13.48%
24 months 1.98% to 13.48%
Term: 24 months APR*: 1.98% to 13.48%
36 months 1.98% to 13.48%
Term: 36 months APR*: 1.98% to 13.48%
48 months 1.98% to 13.48%
Term: 48 months APR*: 1.98% to 13.48%
60 months 1.98% to 13.48%
Term: 60 months APR*: 1.98% to 13.48%
61-72 months (greater than or equal to $20,000) 2.38% to 14.48%
Term: 61-72 months (greater than or equal to $20,000) APR*: 2.38% to 14.48%
73-84 months (greater than or equal to $35,000) 2.78% to 15.48%
Term: 73-84 months (greater than or equal to $35,000) APR*: 2.78% to 15.48%

Used Car Loans

Term APR*
Up to 12 months 2.48% to 13.98%
Term: Up to 12 months APR*: 2.48% to 13.98%
24 months 2.48% to 13.98%
Term: 24 months APR*: 2.48% to 13.98%
36 months 2.48% to 13.98%
Term: 36 months APR*: 2.48% to 13.98%
48 months 2.48% to 13.98%
Term: 48 months APR*: 2.48% to 13.98%
60 months 2.48% to 13.98%
Term: 60 months APR*: 2.48% to 13.98%
61-72 months (greater than or equal to $20,000) 2.88% to 14.98%
Term: 61-72 months (greater than or equal to $20,000) APR*: 2.88% to 14.98%
73-84 months (greater than or equal to $35,000) 3.28% to 15.98%
Term: 73-84 months (greater than or equal to $35,000) APR*: 3.28% to 15.98%

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

Compare Rates

Compare Auto Loan Rates

 

Company APR*
Regions 4.05%
Company Regions APR* 4.05%
US Bank 3.89%
Company US Bank APR* 3.89%
Chase Bank 3.64%
Company Chase Bank APR* 3.64%
PNC Bank 2.74%
Company PNC Bank APR* 2.74%
SunTrust 2.49%
Company SunTrust APR* 2.49%
Bank of America 2.39%
Company Bank of America APR* 2.39%
Delta Community CU 1.98%
Company Delta Community CU APR* 1.98%

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
Copy of Personal Line of Credit Check $3.00
Fee Type: Copy of Personal Line of Credit Check Amount: $3.00
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 $8.00
Fee Type: Pay by Phone Loan Payment Transfer Amount: $8.00
Stop Payment for Personal Line of Credit Check or ACH $25.00
Fee Type: Stop Payment for Personal Line of Credit Check or ACH Amount: $25.00