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Car Loans

Getting a Great Rate on a Car Loan Should Feel as Good as Finding the Perfect Car

If you’re thinking about buying a new or used car, it’s good that you’re here. Apply today and you’ll enjoy:

  • Low competitive rates on new and used cars
  • Easy online application process
  • No application fee and no pre-payment penalties
  • Simple electronic closing process

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

Up to 12 months1.98% to 11.00%
24 months1.98% to 11.00%
36 months1.98% to 11.00%
48 months1.98% to 11.00%
60 months1.98% to 11.00%
61-72 months (greater than or equal to $20,000)2.18% to 11.40%
73-84 months (greater than or equal to $35,000)2.38% to 12.00%

Used Car Loans

Up to 12 months2.24% to 11.25%
24 months2.24% to 11.25%
36 months2.24% to 11.25%
48 months2.24% to 11.25%
60 months2.24% to 11.25%
61-72 months (greater than or equal to $20,000)2.44% to 11.65%
73-84 months (greater than or equal to $35,000)2.64% to 12.25%


Who is this product right for?

Someone who is considering buying a car.

Want some help finding the right auto?

There are a few ways we can help. It’s just another one of the many complementary benefits of being part of Delta Community.

One way is to utilize Carvana, a free new and used car buying service for our members. They’ll sit down with you, find out what you’re looking for and then do the work of finding it for you. They have longstanding relationships with auto dealers all over metro Atlanta for new autos, that you’ll be able to benefit from. Also, you can choose a used auto from Carvana’s online inventory. We deliver new autos to the branch; and we can deliver used autos to members’ home, branch, or office – members can also pick up their used auto from Carvana’s Midtown Atlanta vending machine.

To find out more about Carvana, just visit

Auto Calculators

Who is this product right for?

Someone who is considering buying a car.

Compare Auto Loans

Company APR
Delta Community CU 1.98%
Bank of America 2.49%
Chase Bank 2.84%
Regions 3.24%
SunTrust 2.49%
Wells Fargo 3.14%

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

Who is this product right for?

Someone who is considering buying a car.

Loan Fees

Copy of Personal Line of Credit Check $3.00
Late Payment Fee $25.00 per month late
NSF for Returned Loan Payment, Personal Line of Credit Check or ACH $25.00
Pay by Phone Loan Payment Transfer $8.00
Stop Payment for Personal Line of Credit Check or ACH $25.00

Who is this product right for?

Someone who is considering buying a car.

  • Security listed for a pre-approved car loan
  • If I want to get pre-approved for an auto, do I need to list the security offered on the application? There is no requirement for the security field when applying for a pre-approval. Pre-approvals are good for 30 days. Once you are pre-approved, then we will need a sales contract listing Delta Community CU as the lien holder, or if you are purchasing the auto from an individual or refinancing your own auto, we will need the 10-day payoff and front copy of the title. If the auto is paid off, then we will need a copy of the front and back of the clear title. Once your application is on file, you can fax this information to us at 404-677-4807 attn: Loan Department. Please allow up to 48 hours for processing this information. You will be contacted by phone or email when you loan is ready for funding.

  • GAP Protection
  • What is GAP?
    If you have an auto that is totaled or stolen, there may be a difference between the monies owed and what your insurance company will pay. Guaranteed Asset Protection is not auto insurance. It is a deficiency waiver. It will cover the "gap" by paying the difference between your primary carrier's insurance settlement and your loan balance. The GAP payment covers the insurance deductible up to $100 but does not pay for delinquent payments, late charges, refundable service warranty contracts and other insurance-related charges.
    Note: GAP cannot provide protection beyond two (2) additional payments of the original repayment schedule of the loan. Ex: If you have taken 4 payment holidays, GAP will only cover the monthly payment amounts of 2 of those payment holidays.

    When can I purchase GAP?
    It can be purchased on any automobile regardless of the age or mileage on the vehicle, at the time of a new loan or refinance with Delta Community CU, regardless of whether you had GAP previously. The maximum term for GAP is 84 months. If you are refinancing your vehicle to add additional funds to the loan, you must repurchase the GAP agreement. The original agreement becomes null and void when you add additional monies to the loan.

    If I have GAP and I refinance an auto loan currently with Delta Community CU
    , do I have to purchase GAP again?

    Any time a Delta Community CU car loan is refinanced that has existing GAP, you must purchase the GAP again for this loan to be covered.
    If you are refinancing a car loan that is currently financed with Delta Community CU that does NOT have existing GAP, purchasing GAP is not an available option.

    What is the cost of GAP and is it refundable?

    GAP is available in two primary options; either 'Non-Refundable' GAP at $299.00 or 'Refundable' GAP at a cost of $495.00. All options offer a 60 day trial period.

    I have totaled my car and filed a GAP claim, do I need to make my payment?
    You are responsible for all payments on the loan as agreed on your loan contract. Any overpayments made thru the GAP claim will be reimbursed to upon claim payment.

    What is the time frame for receiving a refund from the GAP if I cancel under the new terms and conditions?

    Please allow 4-6 weeks for a refund. For loans that still exist, the refund will be applied to the loan. If the loan is paid off, the refund will be deposited to your Savings Account.

    If I have purchased GAP, will it interfere with CPI?

    GAP is a product that covers the difference between your primary carrier insurance settlement and the loan or lease balance on a new or used auto or other collateral loan. It will not interfere with CPI.

  • Voluntary repossession of auto
  • What happens if I can't afford to pay for my car and want to surrender it in a non-bankruptcy account? We would encourage you to try and sell the car on your own because we usually can only recover, based on the condition of the collateral, approximately 50% of the value if sold at a local auction. Please keep in mind that you are responsible for any deficiency balance remaining on the car loan. This will report on your credit report as a voluntary surrender. Contact a Recovery Services Representative for a location near you to surrender your vehicle. Submit a message within Online Banking from Secure Email under Additional Services or call the Recovery Services Department at 404-677-8626.

  • Requirements for Completing an Auto Loan
  • What is required to complete a car loan once I find the one I want to buy?
    • A sales contract listing Delta Community CU as lien holder.
    • Bill of Sale signed by all parties
    • A 10 day payoff letter with a copy of the front of the title (this could be a refinance or purchase from an individual who has the automobile financed).
    • A copy of the front / back clear title (this could be borrowing against their own vehicle or purchasing from an individual).
    • Verification of full coverage insurance with Delta Community CU listed as the lien holder with a maximum deductible amount of $1,000.00

  • Insurance coverage required for a boat loan
  • Does Delta Community CU require insurance coverage to be purchased for boats used as collateral for a loan on a single policy, or is insurance coverage covered if I provide proof of insurance under an auto policy?
    You will need to have an insurance policy for the boat. It will not be covered under auto insurance unless it is listed as a separate "vehicle" with its own coverage.

Ready to apply?

The quickest way to apply is by logging in to your Online Banking account and selecting Apply for a Loan or Credit Card under the Loan tab.

Or you can call us at 1-800-544-3328 or apply at any of our Delta Community branches.

If you’re not yet a Delta Community member, sign up now.

Who is this product right for?

Someone who is considering buying a car or truck.

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

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