MyAuto Loan

Get ready for an easy, friendly car buying experience from start to finish. Efficient, quick, local financing is the key to our car buying journey. We make the process easier by making it all about your loan.

Your auto loan benefits include:

Great Low Rates

Auto rate as low as 5.99% APR* for 60 months for 2020 or newer. To find your rate and payment Click here!*

All rates are not created equal because borrowers are unique. So, call or visit us to discuss your loan needs. Your Annual Percentage Rate (APR) could vary based on your credit history, age of collateral, and the length of term.

Click here for tips on buying a car.

No Payment for 90 Days!*

Many financing companies require your first payment to be made 30 days after purchasing your new car. Not at MyGeorgia! We allow our members to wait up to 90 days to make their first payment. For example, if you get your loan in January, your first payment won't be due until April! Call or visit us to discuss your loan needs.

*Interest will accrue for the 90 days. This offer does not apply to existing loans financed with MyGeorgia.

Click here for tips on buying a car.

Terms UP to 84 Months*

We want to make sure you are comfortable with your monthly payment. Because many of us are in different financial situations, you have the option to finance for 2-7 years so you can get your payment just where YOU need it. Just one more way MyGeorgia helps you afford life!

*84-month term available for loans above $20,000 and subject to credit history. See calculator below for pricing.

Click here for tips on buying a car.

UP to 120% Financing Available*

If you owe more than your car's value, you are upside down in your financing (negative equity). Many financing companies will not allow you to finance if there is negative equity. At MyGeorgia, we help our members through all their financing situations. If your car’s value is $10,000 but you owe $12,000, you may still be able to get the financing you need.

*All loans subject to standard underwriting guidelines.

Click here for tips on buying a car.

Second Chance Auto Finance Program

Whether you have a low credit score due to bankruptcy or history of slow pays, MyGeorgia can help you get back on the road AND re-establish your credit during the process. We understand that bad things can happen to good people, and we want to help our members afford an auto loan. Once pre-approved, we help you select a qualifying vehicle and take your term up to 60 months.

Click here for tips on buying a car.

Am I Qualified

Do you find yourself feeling eager for that new car smell?

Have you found the perfect used car and now need the ideal loan quickly?

Ever wonder if you could be saving money on your current car payments?

If you answered "yes", MyGeorgia can help with a new auto loan or with a refinance** with just a click of a mouse! Through a convenient and secure online connection, our simple-click auto loans allow you to apply for a loan, find your rate, and calculate your payment all within a matter of minutes.

Of course, if you prefer to work with someone face-to-face, MyGeorgia loan specialists welcome the chance to serve you at one of our local branches.

Click here for tips on buying a car.

Apply for MyCar Loan