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Routing Number: 261174775

Auto Loans

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.

Auto Loans with MyGeorgia Credit Union include:

Auto rate as low as 2.99% APR* for 60 months for 2018 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.

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.

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.

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. For example, if your car's value is $10,000 but you owe $12,000, you may still be able to get the finance you desire until you are comfortable.

*All loans subject to normal underwriting guidelines.

Whether you have bad credit or 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.

We provide all of the credit union benefits to individuals who live or work in a 12-county region that includes Banks, Dawson, Habersham, Hall, Jackson, Lumpkin, Rabun, White, Athens-Clarke, Madison, Oconee, and Oglethorpe Counties.

Call 770-534-4255 and ask for your LOCAL Auto Loan Specialist.

What are you waiting for? APPLY NOW!

Auto Loan Rate & Payment Calculator

Auto Loan Calculator


Boat, RV and Motorcycle Loans

Whether it's the open road or the open water that calls you, MyGeorgia Credit Union has the ideal loan to help you answer that call!

From boats and personal watercraft to motorcycles and motor homes, MyGeorgia recreational vehicle financing comprises:

  • Up to 100% MSRP* Financing (New)
  • Up to 100%* of average retail (Used)
  • Pay at your own pace, contact the credit union for rates and terms.

Adventure Awaits! APPLY NOW!

*There's no "one size fits all" in lending. So, call or visit us to discuss your financing needs. Your Annual Percentage Rate (APR) could vary based on your credit history, the age of collateral, and the length of term. Existing MyGeorgia loans are not eligible for this offer. Terms and conditions subject to change without notice.