Car Loans

Car Loans

We're making it easy to get your Delta Community Loan—for however you want to ride!

Whether you're looking to buy a new or used car, truck or van or refinance your existing car loan, Delta Community can help.

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Great Rates and Service

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

And, it's not too late to take advantage of Delta Community's great low rates, even if you financed your car or truck elsewhere. Ask us how to refinance today!

More Member Benefits

As a Delta Community member, you can also conveniently shop for new and used cars at Carvana.com/DeltaCommunity. You'll gain access to thousands of vehicles online and will also get an additional .25% rate discount when you purchase through Carvana and finance with Delta Community.

And, like many dealers, Delta Community offers Guaranteed Asset Protection (GAP) and Mechanical Breakdown Protection (MBP) that can be factored into your car loan. But unlike the dealer, we offer our members exclusive rates and features that can save you hundreds of dollars over the long run. Ask your Loan Consultant for more information about our loan protection options.

Delta Community Routing Number

Where's our routing number when you need it?
Right here:

261071315

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Learn More About Car Loans

  • 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 2.38% to 12.28%
    Term:
    Up to 12 months
    APR*:
    2.38% to 12.28%
    24 months 2.38% to 12.28%
    Term:
    24 months
    APR*:
    2.38% to 12.28%
    36 months 2.38% to 12.28%
    Term:
    36 months
    APR*:
    2.38% to 12.28%
    48 months 2.38% to 12.28%
    Term:
    48 months
    APR*:
    2.38% to 12.28%
    60 months 2.38% to 12.28%
    Term:
    60 months
    APR*:
    2.38% to 12.28%
    61-72 months (greater than or equal to $20,000) 2.78% to 13.28%
    Term:
    61-72 months (greater than or equal to $20,000)
    APR*:
    2.78% to 13.28%
    73-84 months (greater than or equal to $35,000) 3.18% to 14.28%
    Term:
    73-84 months (greater than or equal to $35,000)
    APR*:
    3.18% to 14.28%

    Used Car Loans

    Term APR*
    Up to 12 months 2.68% to 12.58%
    Term:
    Up to 12 months
    APR*:
    2.68% to 12.58%
    24 months 2.68% to 12.58%
    Term:
    24 months
    APR*:
    2.68% to 12.58%
    36 months 2.68% to 12.58%
    Term:
    36 months
    APR*:
    2.68% to 12.58%
    48 months 2.68% to 12.58%
    Term:
    48 months
    APR*:
    2.68% to 12.58%
    60 months 2.68% to 12.58%
    Term:
    60 months
    APR*:
    2.68% to 12.58%
    61-72 months (greater than or equal to $20,000) 3.08% to 13.58%
    Term:
    61-72 months (greater than or equal to $20,000)
    APR*:
    3.08% to 13.58%
    73-84 months (greater than or equal to $35,000) 3.48% to 14.58%
    Term:
    73-84 months (greater than or equal to $35,000)
    APR*:
    3.48% to 14.58%

    *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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  • Free Benefits

    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, or you can choose a used auto from Carvana’s online inventory. Have your car delivered to your home, office or closest Delta Community branch. Members can also pick up their used auto from Carvana’s Midtown Atlanta vending machine. And, when you finance with Delta Community and purchase through Carvana.com/DeltaCommunity, you'll receive an extra .25% off your already low rate.

    Take the guesswork out of purchasing a car with our Auto Calculators. Determine how much vehicle you can afford, or calculate the financial impact of leasing an auto over purchasing it outright. These handy tools can even help you decide if you should upgrade to a more fuel efficient vehicle.

    Our Financial Education Center is designed to improve the financial lives of our members. In addition to online courses, Delta Community Credit Union offers in-person seminars and workshops on a variety of financial topics, including buying a car and using credit wisely.

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  • Compare Auto Loans

    Compare Auto Loan Rates

    Company APR*
    US Bank 5.09%
    Company
    US Bank
    APR*
    5.09%
    SunTrust 4.69%
    Company
    SunTrust
    APR*
    4.69%
    Chase Bank 4.34%
    Company
    Chase Bank
    APR*
    4.34%
    Regions 4.05%
    Company
    Regions
    APR*
    4.05%
    PNC Bank 3.24%
    Company
    PNC Bank
    APR*
    3.24%
    Bank of America 2.99%
    Company
    Bank of America
    APR*
    2.99%
    Delta Community CU 2.38%
    Company
    Delta Community CU
    APR*
    2.38%

    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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