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 / Loans / Vehicle / Car Loans
New car loans as low as 1.59% APR* - Offer ends May 31

Car Loans

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

When you’re shopping for a new car, truck or van, getting a great rate shouldn’t feel like negotiating over the sticker price. This is why Delta Community offers great new and used car loan rates on just about every type of transportation you could ever need. In addition to our low rates, you get the friendly, knowledgeable service you expect from Delta Community, along with some added benefits that make it easier to get started:

  • No application fee
  • Easy online application
  • Affordable payment options
  • 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

TermAPR*
Up to 12 months1.59% to 11.40%
24 months1.59% to 11.40%
36 months1.59% to 11.40%
48 months1.59% to 11.40%
60 months1.59% to 11.65%
61-72 months (greater than or equal to $20,000)1.84% to 12.15%
73-84 months (greater than or equal to $35,000)2.08% to 12.65%

Used Car Loans

TermAPR*
Up to 12 months1.79% to 12.30%
24 months1.79% to 12.30%
36 months1.79% to 12.30%
48 months1.79% to 12.30%
60 months1.79% to 12.55%
61-72 months (greater than or equal to $20,000)2.04% to 13.05%
73-84 months (greater than or equal to $35,000)2.33% to 13.55%

 

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 Car Solutions, 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 that you’ll be able to benefit from. You’ll never even have to step foot on a dealer lot if you don’t want to. If Car Solutions finds an auto you like, they’ll arrange to have it delivered to one of our Delta Community CU branches for a test drive.

To find out more about Car Solutions, just visit http://delta.carsolutions.com.

Auto Calculators

Who is this product right for?

Someone who is considering buying a car.

Compare Auto Loans

Company APR
Delta Community CU 1.590%
Bank of America 2.39%
Chase Bank 2.69%
Regions 3.27%
SunTrust 2.89%
Wells Fargo 3.32%

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

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.

  • How to apply for a loan

  • How do I apply for a loan or to refinance a loan from a different lender?

    To be eligible to apply for a loan, you must be a primary member of the credit union. Joint owners must obtain their own account before applying for a loan. Membership can be applied for online.

    The fastest way to apply for a loan is online. Log into your Online Banking account choose Apply for a loan in the Tools & Services section on the MyCU page. If you have recently been upgraded to the new Online Banking, you will find the Apply for a loan or credit card under the Loans tab.
    You may be preapproved within seconds. You can also speak to a representative at 1-800-544-3328 or apply at any
    Delta Community CU branch office.




  • Applying for a pre-approval on a special order car
  • How soon should a member apply for a car loan if the car is a special order?
    A pre-approval is valid for 30 days; however, if the vehicle has not arrived during that 30 day period, you can submit a copy of the special order to Delta Community CU, and we will extend the pre-approval for you. You may submit in person or fax to 404-677-4807.




  • Car loan rates competitive with other financial institutions
  • Are Delta Community CU car loan rates competitive with other financial institutions?
    The Delta Community CU interest rates and dividend rates are competitive with most other lending institutions. There are 3 factors involved in determining the interest rates: 1) credit score, 2) term of loan, 3) loan type. Other financial institutions may use additional factors to determine rates. With so many variables, there is always an institution that will offer a lower rate on any given loan product, but overall, Delta Community CU tries to provide competitive rates on our portfolio as a whole, based on such criteria as mentioned above.

  • Salvaged title for car loans
  • Does Delta Community CU accept salvaged titles for car loans?
    We do not accept titles branded as salvaged, rebuilt or reconstructed for car loans.
    If you qualify, you can take out a personal loan. You can apply for the personal loan by logging into your Online Banking account and choosing Apply for a Loan in the Tools and Services section. If you have recently been upgraded to the new Online Banking, select
    Apply for a Loan or Credit Card under the Loans tab.





  • Register car title in new state
  • I moved to another state, can I get my title to register in the new state?
    You must go to your local DMV (Department of Motor Vehicles) or tag office in the new state and explain that you have a title issued by another state. The DMV will either complete the form and submit it to the credit union or give you a form to complete and send in to the credit union. The form can be faxed to 404-677-4809 or sent by mail to: Delta Community Credit Union, Attn Titles, 1025 Virginia Avenue, Atlanta, GA 30354. Once the request is received the Title Department will send the old title via certified mail to the new state's DMV office or tag office.

Ready to apply?

The quickest way to apply is by logging in to your Online Banking account and choose Apply for a Loan in the Tools & Services section. If you have been migrated to the new Online Banking platform, select Apply for a loan or credit card under the Loans tab.

Or, if you’d like, you can call our 24-hour lending center at 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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1-800-544-3328