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Car Loans

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

Now through August 31, take advantage of Car Loan rates as low as 1.98% APR for well-qualified borrowers with excellent credit.1

You can also defer your payments for up to 60 days!2

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

Learn More about Car Loans Apply Now for a Car Loan

Overview & Benefits

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. With Carvana, you can shop, click and then drive your new car with Carvana's touchless car delivery service. 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.3

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.

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.

Routing Number

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

261071315

Related Links

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 1.98% to 11.88%
Term:
Up to 12 months
APR*:
1.98% to 11.88%
24 months 1.98% to 11.88%
Term:
24 months
APR*:
1.98% to 11.88%
36 months 1.98% to 11.88%
Term:
36 months
APR*:
1.98% to 11.88%
48 months 1.98% to 11.88%
Term:
48 months
APR*:
1.98% to 11.88%
60 months 1.98% to 11.88%
Term:
60 months
APR*:
1.98% to 11.88%
61-72 months (greater than or equal to $20,000) 2.38% to 12.88%
Term:
61-72 months (greater than or equal to $20,000)
APR*:
2.38% to 12.88%
73-84 months (greater than or equal to $35,000) 2.78% to 13.88%
Term:
73-84 months (greater than or equal to $35,000)
APR*:
2.78% to 13.88%

Used Car Loans

Term APR*
Up to 12 months 1.98% to 11.88%
Term:
Up to 12 months
APR*:
1.98% to 11.88%
24 months 1.98% to 11.88%
Term:
24 months
APR*:
1.98% to 11.88%
36 months 1.98% to 11.88%
Term:
36 months
APR*:
1.98% to 11.88%
48 months 1.98% to 11.88%
Term:
48 months
APR*:
1.98% to 11.88%
60 months 1.98% to 11.88%
Term:
60 months
APR*:
1.98% to 11.88%
61-72 months (greater than or equal to $20,000) 2.38% to 12.88%
Term:
61-72 months (greater than or equal to $20,000)
APR*:
2.38% to 12.88%
73-84 months (greater than or equal to $35,000) 2.78% to 13.88%
Term:
73-84 months (greater than or equal to $35,000)
APR*:
2.78% to 13.88%

*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*
US Bank 4.84%
Company
US Bank
APR*
4.84%
SunTrust 4.19%
Company
SunTrust
APR*
4.19%
Regions 4.05%
Company
Regions
APR*
4.05%
Chase Bank 3.34%
Company
Chase Bank
APR*
3.34%
PNC Bank 3.24%
Company
PNC Bank
APR*
3.24%
Bank of America 2.69%
Company
Bank of America
APR*
2.69%
Delta Community CU 1.980%
Company
Delta Community CU
APR*
1.980%

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

1 Must apply on or after July 1. Rates expressed as Annual Percentage Rate (APR). Rates are based on creditworthiness and term of loan. APR available July 1 – August 31, 2020. Income verification may be required.

2 Restrictions apply. Offer valid through August 31, 2020. Member can defer first payment up to 60 days. Finance charges continue to accrue as of the loan date. Member is responsible for all payments.

3 Services offered through Carvana are separate and distinct from any business conducted with Delta Community and are not guaranteed by or obligations of the Credit Union. Additional .25% APR discount is only available for Carvana purchases made through December 31, 2020.