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Car Loan Refinance

Love Your Car but Not Your Payment?

Car Loan rates as low as 0.98% APR1 for well-qualified borrowers for a limited time

If you are looking to refinance your existing car loan, Delta Community can help. With rates as low as 0.98% APR1 for well-qualified borrowers with excellent credit, we can save you money each month for the life of your loan. Hurry, offer ends on May 31, 2021.

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 0.98% to 12.38%
Term:
Up to 12 months
APR*:
0.98% to 12.38%
24 months 0.98% to 12.38%
Term:
24 months
APR*:
0.98% to 12.38%
36 months 0.98% to 12.38%
Term:
36 months
APR*:
0.98% to 12.38%
48 months 0.98% to 12.38%
Term:
48 months
APR*:
0.98% to 12.38%
60 months 0.98% to 12.38%
Term:
60 months
APR*:
0.98% to 12.38%
61-72 months (greater than or equal to $20,000) 1.38% to 13.38%
Term:
61-72 months (greater than or equal to $20,000)
APR*:
1.38% to 13.38%
73-84 months (greater than or equal to $35,000) 1.78% to 14.38%
Term:
73-84 months (greater than or equal to $35,000)
APR*:
1.78% to 14.38%

Used Car Loans

Term APR*
Up to 12 months 0.98% to 12.38%
Term:
Up to 12 months
APR*:
0.98% to 12.38%
24 months 0.98% to 12.38%
Term:
24 months
APR*:
0.98% to 12.38%
36 months 0.98% to 12.38%
Term:
36 months
APR*:
0.98% to 12.38%
48 months 0.98% to 12.38%
Term:
48 months
APR*:
0.98% to 12.38%
60 months 0.98% to 12.38%
Term:
60 months
APR*:
0.98% to 12.38%
61-72 months (greater than or equal to $20,000) 1.38% to 13.38%
Term:
61-72 months (greater than or equal to $20,000)
APR*:
1.38% to 13.38%
73-84 months (greater than or equal to $35,000) 1.78% to 14.38%
Term:
73-84 months (greater than or equal to $35,000)
APR*:
1.78% to 14.38%

*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 3.59%
Company
Chase Bank
APR*
3.59%
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 0.980%
Company
Delta Community CU
APR*
0.980%

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
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

1Rates expressed as Annual Percentage Rate (APR) for well-qualified borrowers with excellent credit. Rates are based on creditworthiness and term of loan. APR available April 1 – May 31, 2021. Income verification may be required.