Skip to main content

Auto Loans

In the market for a new or pre-owned car, motorcycle, boat, RV or camper, or looking to refinance an existing vehicle loan? Look to Georgia United for your vehicle lending needs.

Lock in your low auto loan rate today

Imagine hitting the open road in the car of your dreams, feeling the wind in your hair without a worry in the world. Can you see it now? Our team of experts is here to make that a reality for you. Whether you're looking for a new or used car, or even want to refinance your auto loan from another lender, we'll guide you through our effortless process, so you can simply have the pure thrill of owning your dream ride.

Get Pre-Approved & Apply

Whether you’re looking for a vehicle to take you from Point A to Point B or a new boat to sail through open waters, we have competitive low rates to fit your lending needs.

  • Competitive low rates on new and pre-owned vehicles
  • Flexible payment terms
  • Quick processing times
  • Easy online application
  • Refinancing options available

Find the Perfect Car

Tired of spending hours in a dealership? Our auto buying service, Auto Assistance**, is here to make your life easier. Let us take the hassle out of shopping for your dream car while you sit back and relax. For no extra charge, you’ll have a personal assistant from start to finish to:

  • Handle communications with the dealer on your behalf
  • Negotiate pricing to get you the best deal
  • Deliver your new or pre-owned car straight to your door

Add a Protection Plan

Don't let unexpected circumstances ruin your financial stability. With optional loan protection*** for eligible Georgia United loans, you can safeguard your investments and have peace of mind. Get covered during the application process or add it to your existing loans now. Georgia United offers:

  • Extended Warranty Protection
  • Debt Protection
  • Guaranteed Asset Protection (GAP) Plus


TruStage Auto & Home Insurance

Designed for credit union members like you, the TruStage Auto & Home Insurance Program**** provides affordable protection. You could enjoy discounted rates combined with online convenience and 24/7 claims service.



Participating in our referral program is easy and rewarding! Earn $75 when your friend or family gets a new Georgia United Auto Loan and opens a Unified Checking Account with qualifying activities.  

Let me just start out by saying ***BEST CUSTOMER SERVICE*** I have ever received!! The branch manager was extremely helpful in getting me the best auto loan for my dream truck. They have the best rates I have seen for auto loans right now (rates have skyrocketed). They took care of everything and ensured I got the best loan I could and made the process fast and easy. All I had to do was sign! Great customer service and I look forward to being a member at the Georgia United Cartersville branch.
- David L.
I received excellent service when I had my car loan through Georgia United Credit Union. Everyone I spoke to or saw in person back then gave excellent, exceptional customer service.
- Maureen W.
I have signed off on four trucks for my son with Georgia United. Two in high school and two in college. Even though he had limited credit, the staff was so helpful to him and treated him awesome. They ensured he felt valuable. This service made me want to be part of the Georgia United family.
- Ricky C.
The representative I had was very helpful and stayed in contact with me throughout the process.
- Wardell J.
The staff was very patient and understanding about my situation. They called to check up on me during my new car purchase, even after I bought it.
- Demarcus H.
Immediately I was assigned a very friendly financial service officer and she took care of all my questions and got my request for an auto loan approved the next day.
- Gerald N.
This is my 2nd time buying an auto using this credit union. I have always gotten excellent service from the loan rep.
- Henry A.
From our very first visit everyone was friendly and helpful. The company has been able to help us out twice with auto loans with great interest rates and everything that goes along with the loans.
- Angela H.
Every time I have needed assistance over the years I have always had a knowledgeable and courteous associate to help me. I recently got a vehicle loan and I did not know how to handle getting it done, based on our "new normal". The representative took the guess work out of it and I felt like I was the only customer she had that day. It was simple and quick.
- Gail L.
Great people, excellent service, convenient locations, love your interest rate on my loan. You guys are my miracle people. I was able to buy a car thanks to you. Thanks for approving my loan!
- Maria M.

*APR = Annual Percentage Rate with rates as low as listed rate. Rates and terms are based on year of collateral, loan amount and mileage. Vehicles with over 100,000 miles have a 1% rate increase. Vehicle, motorcycle and camper/RV models 12 years and older have a 2% rate increase. Business auto loans have a 2% rate increase. Rates subject to change without notice and are based on creditworthiness. Membership eligibility restrictions and qualifications apply; all loans are subject to credit approval. Not all applicants will qualify.

**Georgia United Credit Union has partnered with Auto Assistance, LLC to offer this service as a convenience to our members. Please note that any manufacturer’s warranties are not provided by or guaranteed by the credit union. The credit union does not make any representations regarding the services of any provider or any vehicles purchased.

***Loan Protection Plans:

Debt Protection
Your purchase of Debt Protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Member Agreement for a full explanation of the terms of Debt Protection. You may cancel the protection at any time. If you cancel protection within 30 days you will receive a full refund of any fee paid. DP, GAP-4322423.1-0222-0324

Guaranteed Asset Protection (GAP)
Your purchase of MEMBERS CHOICETM Guaranteed Asset Protection (GAP) is optional and will not affect your loan application for credit or the terms of any credit agreement you have with us. Certain eligibility requirements, conditions, and exclusions may apply. You will receive the contract before you are required to pay for GAP. You should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP fee to your loan amount will increase the cost of GAP. You may cancel GAP at any time. If you cancel GAP within 90 days you will receive a full refund of any fee paid.

GAP purchase from state chartered credit unions in FL, GA, IA, UT, VT and WI, may be with or without a refund provision. Prices of the refundable and non-refundable products are likely to differ. If you choose a refundable product, you may cancel at any time during the loan and receive a refund of the unearned fee.

GAP purchase from state chartered credit unions in CO, MO or SC may be canceled at any time during the loan and receive a refund of the unearned fee.

GAP purchase from state chartered credit unions in IN may be without a refund provision. If the credit union offers a refund provision, you may cancel at any time during the loan and receive a refund of the unearned fee.

CUNA Mutual Group © GAP-4959684. 1-0922-1024

Extended Warranty
This section is intended to provide basic information regarding Extended Warranty; complete terms and provisions are contained within each of the plans. Please ask us for more details about Extended Warranty.

Additional disclosures

We will give you additional information before you are required to pay for any of our loan protection plans. This information will include a copy of the contract containing the terms and conditions of the loan protection.

Eligibility requirements, conditions, and exclusions

There are eligibility requirements, conditions and exclusions that could prevent you from receiving benefits. You should carefully read your contract for a full explanation of the terms and conditions of the protection program.

****TruStage® Auto and Home Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union. © TruStage Insurance Agency 2017

AHE, AHL-1339661.2