Car Loan Refinance

woman driving car

Love Your Car but Not Your Car Loan?

A Delta Community Car Loan Refinance Can Help

If you are looking to refinance your existing car loan, Delta Community can help. Our low Car Loan rates can save you 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.

Apply Now

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.

Learn More About Refinances


  • 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 2.58% to 12.48%
    Term:
    Up to 12 months
    APR*:
    2.58% to 12.48%
    24 months 2.58% to 12.48%
    Term:
    24 months
    APR*:
    2.58% to 12.48%
    36 months 2.58% to 12.48%
    Term:
    36 months
    APR*:
    2.58% to 12.48%
    48 months 2.58% to 12.48%
    Term:
    48 months
    APR*:
    2.58% to 12.48%
    60 months 2.58% to 12.48%
    Term:
    60 months
    APR*:
    2.58% to 12.48%
    61-72 months (greater than or equal to $20,000) 3.08% to 13.48%
    Term:
    61-72 months (greater than or equal to $20,000)
    APR*:
    3.08% to 13.48%
    73-84 months (greater than or equal to $35,000) 3.58% to 14.48%
    Term:
    73-84 months (greater than or equal to $35,000)
    APR*:
    3.58% to 14.48%

    Used Car Loans

    Term APR*
    Up to 12 months 2.58% to 12.48%
    Term:
    Up to 12 months
    APR*:
    2.58% to 12.48%
    24 months 2.58% to 12.48%
    Term:
    24 months
    APR*:
    2.58% to 12.48%
    36 months 2.58% to 12.48%
    Term:
    36 months
    APR*:
    2.58% to 12.48%
    48 months 2.58% to 12.48%
    Term:
    48 months
    APR*:
    2.58% to 12.48%
    60 months 2.58% to 12.48%
    Term:
    60 months
    APR*:
    2.58% to 12.48%
    61-72 months (greater than or equal to $20,000) 3.08% to 13.48%
    Term:
    61-72 months (greater than or equal to $20,000)
    APR*:
    3.08% to 13.48%
    73-84 months (greater than or equal to $35,000) 3.58% to 14.48%
    Term:
    73-84 months (greater than or equal to $35,000)
    APR*:
    3.58% to 14.48%

    *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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  • Compare Auto Loans

    Compare Auto Loan Rates

    Company APR*
    SunTrust 5.49%
    Company
    SunTrust
    APR*
    5.49%
    US Bank 5.09%
    Company
    US Bank
    APR*
    5.09%
    Chase Bank 4.64%
    Company
    Chase Bank
    APR*
    4.64%
    PNC Bank 4.44%
    Company
    PNC Bank
    APR*
    4.44%
    Regions 4.24%
    Company
    Regions
    APR*
    4.24%
    Bank of America 3.24%
    Company
    Bank of America
    APR*
    3.24%
    Delta Community CU 2.58%
    Company
    Delta Community CU
    APR*
    2.58%

    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.

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  • 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
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  • Apply Now

    Apply for a Car Loan Now – It's Easy

    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 Loans tab.

    Or you can call us 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.

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Delta Community members with an existing Delta Community Car Loan who wish to refinance must have a minimum of $2,000 of equity in the auto. The amount of equity in the auto will be added to the value of the new loan.