Auto Loans: Drive Your Dream Car with Our Best Rates

Coosa Valley Credit Union offers hard-to-beat auto loan rates on new and used vehicles, plus competitive refinancing options to help lower your payment. Our easy application process makes it simple to get pre-approved and take the first step toward driving home in your next car with confidence.

Explore our best "as low as" rate

At Coosa Valley Credit Union, we offer hard-to-beat auto loan rates across Northwest Georgia and make the car loan process simple and stress-free. We understand that buying a new or used vehicle can feel intimidating, which is why our easy auto loan application and friendly local team are here to guide you every step of the way.

2.99% APR*

*Rates expressed as APR - Annual Percentage Rate. "As Low As" rates are based on approved credit and enrollment in direct deposit. Actual annual percentage rate may be higher depending on applicant's creditworthiness and other factors.

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We have auto loan options made for you.

Looking to buy new or used? Needing to refinance?

At Coosa Valley Credit Union, we understand that everyone's financing needs and vehicle preferences are different. That's why our local loan officers are on your side throughout the car-buying process—offering guidance, competitive auto loan options, and simple pre-approval to help you shop with confidence. We're here to make financing easy and help you choose the option that fits your budget and lifestyle.

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General Steps: Buying new or used

Buying a new or used vehicle usually starts with getting pre-approved so you know your budget and can shop with confidence, but pre-approval is not always required. Once you find the car you're interested in, your loan officer will review any required/requested documentation and the seller or dealer's vehicle details (like the buyer's order) to ensure everything is in order. Once approved, you'll finalize the loan, complete the agreement, and receive the funds to purchase your new vehicle.

If you're ready for pre-approval, visit or contact one of our branches today to get started.

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General Steps: Refinancing your vehicle

Refinancing your vehicle at Coosa Valley Credit Union for a better rate is simple. Start by submitting an application, then a loan officer will review your application and vehicle details. Provide any required/requested documentation, such as a 10-day payoff from your current lender. Once approved, your loan officer will finalize your new loan, complete the agreement, and prepare the funds to pay off your existing loan—helping you save with a better rate.

If you're ready to get started with your refinance, visit or contact one of our branches today to get started.

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See what our members have to say...

This bank is absolutely incredible! They have great interest rates for car loans. Nothing but warm smiles and amazing information from the reps. Coming in for the loan I had low expectations because of my age and previous visits to other banks. But Coosa Valley gave me a chance to learn and grow with them! Brittany I believe is the assistant branch manager and helped me every single step of the way! With the benefits within the loans and all. And I really appreciated her having patience with me and always making sure I understood everything. She's incredibly helpful and kind, and If it weren't for her I wouldn't be in my car today! So I just wanted to say thanks to Coosa Valley and especially to Brittany who guided me.

Nelson J. (Google Review)

Coosa Valley Credit Union was the easiest auto loan experience I've ever had! The staff was incredibly helpful, easy to work with and readily available.

David G. (Google Review)

Last week, I financed a truck through Coosa Valley Credit Union. I worked with the loan officer (Brandon) for over three weeks before I settled on one of the three vehicles I was evaluating. Throughout the process, he was professional, responsive, and patient. The loan rates were SUPER competitive and the loan app process was quick and easy. I highly recommend Coosa Valley Credit Union!

Rick P. (Google Review)

Taylor helped me refinance my vehicle, and I saved so much with her help. She took such good care of us.

Destiny J. (Google Review)

We care. Peace of Mind for Your Car and Loan

It's important to explore your loan options to ensure you and your vehicle are fully protected—because life can be unpredictable. At Coosa Valley Credit Union, we care about giving you peace of mind and the right coverage so you're prepared for anything.

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GAP

GAP (Guaranteed Auto Protection) is important because if your vehicle is ever totaled, your regular insurance may not cover the full amount you still owe on your loan. GAP protection can fill that gap, ensuring you won't be left paying out of pocket for a car you can no longer drive, giving you peace of mind and financial security.

Why do I need this?
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Payment Protection

Payment Protection is essential because unexpected illness, injury, or other life challenges can make it difficult to keep up with your loan payments. This coverage can help ensure your loan stays current, protecting your credit and giving you peace of mind when life throws you a curveball.

Why do I need this?
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Mechanical Repair Coverage

Mechanical Repair Coverage is important because unexpected vehicle breakdowns can be costly (think: do you have $5,000 to spend to fix your vehicle), and some repairs aren't covered by your manufacturer's warranty. This protection helps cover those expensive repairs, keeping your car running smoothly and saving you from unexpected financial stress.

Why do I need this?
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Complete Auto Value Protection Program

Exterior Protection is essential because everyone eventually encounters the unavoidable little accidents—like a chipped rim, flat tire, door ding, or cracked windshield—that can add up quickly. This cost-effective coverage helps minimize out-of-pocket expenses, providing easy-to-use services and support to keep your vehicle looking its best without breaking the bank.
Why do I need this?
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Theft Protection Program

Theft Protection is important because vehicle theft can happen to anyone, and replacing a stolen car can be financially overwhelming. This coverage protects your vehicle for 5 years and provides a $5,000 benefit if it's stolen—helping you quickly recover and apply those funds toward purchasing another vehicle without bearing the full cost yourself.

Why do I need this?

Real Stories | Why protect my investment?

Protecting your vehicle and loan is about safeguarding the investment you worked hard for. Having the right coverage gives you the advantage, peace of mind, and financial security—just like these 60 seconds or less real stories, from our staff & members, shown below.

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Do I need a warranty on my car or truck? Why a warranty?

Red car with extensive rear damage secured on a flatbed tow truck on a city street.
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Should I get GAP coverage on my vehicle? Why GAP?

Flat tire on a white Honda vehicle with a silver alloy wheel parked on concrete ground.
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Should I protect my tires, rims, and windshield? Why CAVP?

Modern credit union building with stone pillars and wood accents illuminated at dusk with clear sky.
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What is Coosa Valley Advantage?

Mature couple reviewing documents and planning finances together at home with laptop and notebook
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What is payment protection?

Ready to get started?

Whether you're buying or refinancing, we want you to know that getting your next auto loan from Coosa Valley Credit Union has never been easier. We make it easy to apply and take the first step toward getting you into your first or next vehicle. Contact us or find your nearest branch to get started.

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