Car Loans

Great Rate on a Car Loan at Delta community credit union

The Best Road Trips Begin with a Great Rate ... and a Chance to Win a Car!

Now through October 31, enjoy rates as low as 1.73% APR* for well-qualified borrowers on both new and used cars. Purchase your vehicle through Carvana and get another .25% off your rate. And, by simply applying for a Car Loan in October, you are automatically entered to win a car valued at up to $20,000 in the Delta Community – Carvana $20k Giveaway1!

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

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 1.73% to 11.25%
    Term:
    Up to 12 months
    APR*:
    1.73% to 11.25%
    24 months 1.73% to 11.25%
    Term:
    24 months
    APR*:
    1.73% to 11.25%
    36 months 1.73% to 11.25%
    Term:
    36 months
    APR*:
    1.73% to 11.25%
    48 months 1.73% to 11.25%
    Term:
    48 months
    APR*:
    1.73% to 11.25%
    60 months 1.73% to 11.25%
    Term:
    60 months
    APR*:
    1.73% to 11.25%
    61-72 months (greater than or equal to $20,000) 2.18% to 11.65%
    Term:
    61-72 months (greater than or equal to $20,000)
    APR*:
    2.18% to 11.65%
    73-84 months (greater than or equal to $35,000) 2.38% to 12.25%
    Term:
    73-84 months (greater than or equal to $35,000)
    APR*:
    2.38% to 12.25%

    Used Car Loans

    Term APR*
    Up to 12 months 1.73% to 11.25%
    Term:
    Up to 12 months
    APR*:
    1.73% to 11.25%
    24 months 1.73% to 11.25%
    Term:
    24 months
    APR*:
    1.73% to 11.25%
    36 months 1.73% to 11.25%
    Term:
    36 months
    APR*:
    1.73% to 11.25%
    48 months 1.73% to 11.25%
    Term:
    48 months
    APR*:
    1.73% to 11.25%
    60 months 1.73% to 11.25%
    Term:
    60 months
    APR*:
    1.73% to 11.25%
    61-72 months (greater than or equal to $20,000) 2.18% to 11.65%
    Term:
    61-72 months (greater than or equal to $20,000)
    APR*:
    2.18% to 11.65%
    73-84 months (greater than or equal to $35,000) 2.38% to 12.25%
    Term:
    73-84 months (greater than or equal to $35,000)
    APR*:
    2.38% to 12.25%

    *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. You can also choose a used auto from Carvana’s online inventory. They deliver new autos to our branches; and they can deliver used autos to members’ homes, branches, or offices. 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.

    Auto Calculators

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  • Compare Auto Loans

    Compare Auto Loan Rates

    Company APR*
    Regions 3.50%
    Company
    Regions
    APR*
    3.50%
    Chase Bank 3.29%
    Company
    Chase Bank
    APR*
    3.29%
    Wells Fargo 3.14%
    Company
    Wells Fargo
    APR*
    3.14%
    SunTrust 2.61%
    Company
    SunTrust
    APR*
    2.61%
    Bank of America 2.44%
    Company
    Bank of America
    APR*
    2.44%
    Delta Community CU 1.98%
    Company
    Delta Community CU
    APR*
    1.98%

    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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1 Apply for an auto loan with Delta Community Credit Union between October 1, 2016 and October 31, 2016 ("Sweepstakes Period") and you'll be automatically entered to win a car as part of our Delta Community – Carvana $20k Car Giveaway. No purchase necessary to enter or win. Alternative method of entry available, by way of mail-in entries postmarked during the Sweepstakes Period. Sweepstakes open to U.S. citizens 18 years of age or older who, as of the date of entry, are members of Delta Community Credit Union residing in the state of Georgia and/or legal residents of one of the various designated counties in Georgia. Nonmember residents who reside in one of the listed counties can participate by way of mail-in entries. Mail-in entries must be submitted on a 3x5 card to qualify for entry. For complete contest rules and details visit DeltaCommunityCU.com/CarGiveaway. Entry in this promotion or acceptance of any prize constitutes acceptance of the Official Contest Rules.