All Loans > Auto Loans > Georgias Own Credit Union Auto Loans Calculator
Important disclosure

Georgia's Own Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 12 October 2023
Fact checked

A quick review of Georgia’s Own Credit Union auto loans

Georgia's Own Credit Union logo

Georgia’s Own Credit Union offers quick auto loans with up to 125% financing options. Members can pick from loans tailored to multiple vehicles, such as new and used cars, SUVs, trucks, boats, motorcycles, RVs, and more. Plus, borrowers with limited credit history may also qualify for competitive rates and flexible financing.

Want to see what a Georgia’s Own auto loan will cost? Try the Georgia’s Own Credit Union auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key Georgia’s Own Credit Union auto loan features

  • Minimum loan amount: $15,000 for a 72-month term, and $22,000 for <30,000 miles and an 84-month term.
  • Maximum loan amount: Up to 125%.
  • Interest rates: From 8.54% APR.
  • Loan terms: 24 to 84 months.
  • Loan fees: Undisclosed.
  • Discounts: Undisclosed.

GEORGIA’S OWN CREDIT UNION AUTO LOAN OPTIONS

New and used auto loans

Georgia’s Own has financing options with flexible repayment terms of up to 84 months. You can buy or refinance new or pre-owned cars, SUVs, trucks, and vans. For model years 2022 and newer, rates start at 8.54% APR. Then, 2013 to 2021 models start at 9.25% APR.

First-time auto loans

If you have a limited credit history, Georgia’s Own offers auto loans tailored for first-time buyers, too. You can borrow up to $20,000 without a co-signer and stretch your term to up to 72 months. Note though that you need a minimum of 8% down payment to qualify for this loan.

Boat, motorcycle, and RV loans

You can also finance other vehicle types, including boats, motorcycles, RVs, personal watercraft, non-motorized campers, pull campers, and more. For marine vehicles, the starting rate is 9.94% APR. Motorhomes and RVs start at 10.44% APR, while motorcycles can be as low as 7.97% APR.

Georgia's Own Credit Union auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$25,000

Term

60 months

Change
Georgia's Own Credit Union

Georgia's Own Credit Union auto loan

Georgia's Own Credit Union auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Georgia's Own Credit Union auto loan
Featured
Achieva Credit Union

Achieva - New Auto Loan

Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Bank of America

Bank of America auto loan

Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Bank of America auto loan

SeeLoans.com provides factual information about financial products. While SeeLoans.com attempts to make a wide range of products and providers available, it may not cover all the options available to you. Moreover, we cannot be responsible for changes made to this information by product providers and/or inaccurate information obtained from a product provider. All product information comes from the product provider or publicly available information and to the best of our knowledge is correct at the time of publishing. The information published on SeeLoans.com is general in nature only and does not consider your personal objectives, financial situation or particular needs and is not recommending any particular product to you. If you decide to apply for a product, you will be dealing directly with that provider and not with SeeLoans.com. SeeLoans.com recommends reading the relevant product disclosure statement or product guide before taking up any financial product offer. Please view SeeLoans.com's Terms of Use for more information.

Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

HOW TO APPLY FOR AN IDAHO CENTRAL CREDIT UNION AUTO LOAN

Eligibility criteria

Though Georgia’s Own’s requirements for vehicle financing are not stated, you usually need to be:

  • A Georgia’s Own Credit Union member
  • 18 years old or older
  • Employed or have a source of income

Remember though that each credit union has unique credit standards when it comes to auto financing. Nonetheless, borrowers with good credit scores typically qualify for better interest rates and loan terms. That said, try to boost your credit score, too. This will help you secure a favorable loan easier.

How to join GA Own Credit Union

Georgia’s Own membership is open to anyone who:

  • Lives or works in select counties in Georgia, like Appling, Atkinson, Bacon, Baker, Barrow, Bartow, Ben Hill, Bleckley, Brantley, Brooks, and more
  • Is a member of the Getting Ahead Association (GAA)
  • Is a current student, faculty or staff employee, retiree, or alumni of Georgia State University
  • Is a family member of a current Georgia’s Own Credit Union member
  • Is an employee or retiree of one of the Premier Partners

What you’ll need to have ready

When you apply for auto financing with Georgia’s Own Credit Union, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

You may need to provide Georgia’s Own with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

Other than preparing your documents, make sure your budget is also ready. Keep in mind that you need to consistently meet your monthly payments to avoid damaging your credit. Plus, this will help you avoid defaulting on your car loan.

Ways to apply for a Georgia’s Own Credit Union auto loan:

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call (800) 533-2062

Additional Georgia’s Own auto loan details

  • Automatic payment: Available.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: Undisclosed.
  • Co-borrowers allowed: Yes.
  • Co-signers: Undisclosed.
  • Ways to repay: Online banking, automatic payments, online loan payment portal, by mail, and in person.
  • Hardship program: Undisclosed, but you can defer loan payments twice a year for up to 8 times. (Fill out the form)

Vehicle restrictions and limitations

  • Maximum vehicle age: Unspecified.
  • Maximum vehicle mileage: Less than 95,000 miles
  • Other vehicle restrictions: Unspecified.

PROS AND CONS

Pros

  • Less than 24 hours loan approval.
  • Flexible repayment terms.
  • Convenient payment options – online, by mail, and in person.
  • Up to 125% financing.
  • Easy online application.
  • No payments for up to 45 days.
  • Auto loan options for borrowers with limited credit history.
  • Optional guaranteed asset protection (GAP) and mechanical repair coverage (MRC) available.
  • Online and in-person pre-approval available.

Cons

  • Undisclosed loan fees.
  • Membership required.
  • Interest rates are quite high.

FREQUENTLY ASKED QUESTIONS

How long does GA Own Credit Union take to approve vehicle finance?

Depending on your application, you may receive the loan decision in less than 24 hours.

What is the phone number for Georgia’s Own Credit Union auto loan?

You can reach out to Georgia’s Own at (800) 533-2062.

What is the maximum term of a Georgia’s Own Credit Union auto loan?

Georgia’s Own offers vehicle loans with terms of up to 84 months.

How much do I qualify for with a Georgia’s Own car loan?

You may borrow up to 125%. Remember though that different factors affect how much you can borrow. These may include your creditworthiness, loan term, and more.

How to apply for an auto loan at Georgia’s Own Credit Union?

You can apply online, in a nearby branch, or over the phone.

Does Georgia’s Own refinance car loans?

Yes. You can refinance your existing loan from another lender.

Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

.

Seeloans.com provides factual information in relation to financial products. While Seeloans.com attempts to make a wide range of products and providers available, it may not cover all the options available to you. Moreover, we cannot be responsible for changes made to this information by product providers and/or inaccurate information obtained from a product provider. All product information comes from the product provider or publicly available information and to the best of our knowledge is correct at the time of publishing. The information published on Seeloans.com is general in nature only and does not consider your personal objectives, financial situation or particular needs and is not recommending any particular product to you. If you decide to apply for a product you will be dealing directly with that provider and not with Seeloans.com. Seeloans.com recommends that you read the relevant product disclosure statement or product guide before taking up any financial product offer. For more information please see Seeloans.com’s Terms of Use and Services Guide.

© 2025 Seeloans.com