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For most Macon consumers, a car loan is required to purchase any new or used car or truck. For those who have extremely good credit, this is an easy process. When you have a low credit score, however, it can be a major pain. For those who want to secure the most affordable rate of interest available, we’re here to help. You will find specialists in Macon, waiting to help you get an auto loan at a rate that won’t break the bank.

Auto Loan Rates in Macon

Most banks don’t display loan rates in Macon based on FICO score. Instead, they showcase the most affordable rate available. The reality is, your rate of interest can vary greatly based on your credit score, among a number of other things. The rates shown below are only for informational purposes. These aren’t advertisements, and your precise rate could deviate greatly from what’s seen below.

FICO Rating New Car Used Car
Excellent 3.1% 3.4%
Good 4.4% 4.7%
Average 6.3% 6.7%
Subprime 9.0% 10.5%
Bad 13.8% 15.3%
Very Bad 14.1% 16.4%

Used Car Loans in Macon

Automakers are really only interested in selling brand new cars and trucks. Mind you, it’s smart to finance a used vehicle, since the overall cost will be significantly less. Take a look at the chart below, which depicts the different costs associated with auto loans for new versus pre-owned vehicles.

Years Old Price Rate Months Payment Interest Total Cost
New $23,400 6.00% 60 $452.39 $3,743 $27,143
1 Year $18,720 7.50% 60 $375.11 $3,787 $22,507
2 Years $15,912 7.50% 60 $318.84 $3,219 $19,131
3 Years $13,525 7.50% 60 $271.02 $2,736 $16,261

For most people, a used car is the better option. More often than not, you can get an auto loan for a vehicle that is up to ten years old. Mileage limitations may apply.

Poor Credit Auto Loans in Macon

Less-than-perfect credit has become a major problem among the consumers of Macon and beyond. The better your credit score is, the more options you will have. Past generations had to go from bank to bank, searching for one prepared to offer them a loan. Fortunately, the internet has streamlined most of this legwork.

In Macon, buy here pay here car dealers end up assisting much of the bad credit demographic Yes, your credit won’t be a concern, but you will wind up paying a ton in interest for an older car or truck.

It is best to keep clear of these dealerships if at all possible, getting an auto loan online. The down payments are cheaper, as are the rates of interest, and the service is commonly a good bit better.

Contact an auto finance professional in your area today.

No Money Down Car Loans in Macon

Down payments are typically a necessity when getting a car financed. The truth is, getting a zero down car loan can be challenging. Assuming you have a bad credit score, there’s only one real solution: search for a car dealer that welcomes trade-ins, and use your existing vehicle to cover the down payment on your new one.

Macon Resources

Credit Unions


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[tboot_table strip=”yes” border=”yes” hover=”yes” cols=”Credit Union,Address,Zip,Phone” data=”Atlanta Postal,515 Mulberry St,31201,(478) 746-4283,Atlanta Postal Credit Union,900 Pio Nono Ave,31204,(478) 746-4283,Brosnan Yard,223 Walnut St,31201,(478) 743-2083,Central Georgia Regional Credit Union,2069 Riverside Dr,31204,(478) 745-0494,Cgr,2040 Ingleside Ave,31204,(478) 745-0494,Cgr,770 Pine St #100,31201,(478) 745-0494,Cgr,380 Hospital Dr #150,31217,(478) 745-0494,City Employees,P.O. Box 247,31202,(478) 751-2729,City Employees,150 Willie Smokey Glover Dr,31201,(478) 751-2729,Geico,4400 Ocmulgee E Blvd,31217,(800) 542-7896,Geico,4295 Ocmulgee E Blvd,31296,(800) 542-7896,Georgia Guard,1030 Shurling Dr,31211,(478) 741-4428,Georgia Power Macon,960 Key St,31204,(478) 784-5860,Local 461,1038 Guy Paine Rd,31206,(478) 788-2539,Macon Firemen’S,899 Oglethorpe St,31201,(478) 741-4006,Macon Police,P. O. Box 5145,31208,(478) 803-2494,Macon Water Works,PO Box 13722,31208,(478) 464-5671,Midsouth Community,4810 Mercer University Dr,31210,(478) 471-9946,Midsouth Community,3205 Hartley Bridge Rd,31216,(478) 781-8110,Midsouth Federal Credit Union,2306 Laseter Pl,31204,(478) 752-0198,Park Community Federal Credit Union,2930 Riverside Dr,31204,(478) 477-9005,Rig Employees,100 Graphic Packaging International Way,31216,(478) 784-3627,Robins,4245 Log Cabin Dr,31204,(800) 241-2405,Robins,577 Mulberry St #100,31201,(800) 241-2405,Robins,4066 Hartley Bridge Rd,31216,(478) 923-3773,Robins,5999 Zebulon Rd,31210,(800) 241-2405,Smith And Sons Employees,2124 Riverside Dr,31204,(478) 742-2215″][/tboot_table]