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Best for: Georgia borrowers refinancing an auto loan with long terms

Georgia's Own Credit Union

Georgia's Own Credit Union — as-low-as APRs from 4.35%, terms up to 96 months.

Min credit
Not disclosed
APR
4.35%–7.14%
Max vehicle age
Not disclosed
Max mileage
95k mi

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"Not disclosed" means Georgia's Own Credit Union does not publish this on their public site. "No restriction" means Georgia's Own Credit Union explicitly states no limit.

Overview

Georgia's Own Credit Union is an Atlanta-based credit union that offers auto loan refinancing to members. Its published auto rates run from 4.35% to 7.14% APR by model-year tier, with terms up to 96 months on qualified loans.…

What’s great

  • Refinances auto loans
  • As-low-as APRs from 4.35% across model-year tiers
  • Terms up to 96 months

What to know

  • Credit union membership is required; eligibility is tied to Georgia counties, partner employers, or family
  • Minimum credit score is not published

Eligibility

Minimum credit scoreNot disclosed
APR range4.35% – 7.14% (as-low-as APRs by model-year tier; advertised rates assume excellent credit history and loan-to-value under 90%; rates effective October 1, 2026)
Maximum vehicle ageNot disclosed
Maximum mileage95,000 miles
Loan amount range$3,500 minimum
Term length36 – 96 months
States served1 states
Membership requirementResidents or workers in 77 specified Georgia counties; also open to employees of 600+ partner companies and family members of existing members

FAQ

See your matched lenders and get prequalified. Takes ~3 minutes.

Get matched to lenders and prequalify on banks.com

Sources

Every figure on this page is sourced from Georgia's Own Credit Union's own published materials. Rates, eligibility, and terms can change — verify directly with Georgia's Own Credit Union before applying.

  1. [1]Auto Loans — Georgia's Own Credit Union
    https://www.georgiasown.org/loans/vehicle-loans/auto-loans
    Last checked: October 2026
  2. [2]Vehicle Rates — Georgia's Own Credit Union
    https://www.georgiasown.org/rates-vehicles
    Last checked: October 2026
  3. [3]Membership — Georgia's Own Credit Union
    https://www.georgiasown.org/about-us/membership
    Last checked: October 2026