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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

Credit UnionAddressZipPhone
Atlanta Postal515 Mulberry St31201(478) 746-4283
Atlanta Postal Credit Union900 Pio Nono Ave31204(478) 746-4283
Brosnan Yard223 Walnut St31201(478) 743-2083
Central Georgia Regional Credit Union2069 Riverside Dr31204(478) 745-0494
Cgr2040 Ingleside Ave31204(478) 745-0494
Cgr770 Pine St #10031201(478) 745-0494
Cgr380 Hospital Dr #15031217(478) 745-0494
City EmployeesP.O. Box 24731202(478) 751-2729
City Employees150 Willie Smokey Glover Dr31201(478) 751-2729
Geico4400 Ocmulgee E Blvd31217(800) 542-7896
Geico4295 Ocmulgee E Blvd31296(800) 542-7896
Georgia Guard1030 Shurling Dr31211(478) 741-4428
Georgia Power Macon960 Key St31204(478) 784-5860
Local 4611038 Guy Paine Rd31206(478) 788-2539
Macon Firemen'S899 Oglethorpe St31201(478) 741-4006
Macon PoliceP. O. Box 514531208(478) 803-2494
Macon Water WorksPO Box 1372231208(478) 464-5671
Midsouth Community4810 Mercer University Dr31210(478) 471-9946
Midsouth Community3205 Hartley Bridge Rd31216(478) 781-8110
Midsouth Federal Credit Union2306 Laseter Pl31204(478) 752-0198
Park Community Federal Credit Union2930 Riverside Dr31204(478) 477-9005
Rig Employees100 Graphic Packaging International Way31216(478) 784-3627
Robins4245 Log Cabin Dr31204(800) 241-2405
Robins577 Mulberry St #10031201(800) 241-2405
Robins4066 Hartley Bridge Rd31216(478) 923-3773
Robins5999 Zebulon Rd31210(800) 241-2405
Smith And Sons Employees2124 Riverside Dr31204(478) 742-2215