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Auto Loans

With rates as low as 1.99% APR1, an auto loan from Peach State is the smart choice for a new or used vehicle!

If you have an auto loan with another lender, we may be able to help you refinance your loan and lower your monthly payment.

There are several ways to apply:

Apply Online






We’re pleased to offer two vehicle buying services for our members! These convenient services help take the stress out of the vehicle buying process and give you the confidence that you’re getting a reliable vehicle priced to fit your budget.

Auto Assistance

If you’re not sure where to start and would like personal assistance with your search, Auto Assistance can help you every step of the way, from finding a vehicle that suits your needs to delivering the vehicle right to your door. They’ll even check the vehicle history report and make sure you get the best deal available!2 Contact a representative today at 770.476.9770 or start your search at cuautosearch.com.

Smart Ride

If you prefer to start your vehicle search on your own, then Smart Ride is the way to go! You can visit smartride.peachstatefcu.org to research new and pre-owned vehicles to find the one that fits your needs AND your budget. You can even search for vehicles by estimated monthly payment.

Visit any of our branch locations or call 770.580.6000 to speak with one of our Loan Specialists to learn more!

Ready, Set, Drive!

Ready to buy your first car? Start your journey with Peach State and you’ll be saying "Ready, Set, Drive!" in no time!

Peach State’s program for first time buyers, Ready Set, Drive!, is available to members between the ages of 18-26 who are financing their first vehicle.  Certain conditions apply.  Visit any of our branch locations or call 770.580.6000 to speak to one of our Loan Specialists to learn more about this program.

Peach State Stories – Deanna’s Auto Loan

At Peach State, we believe that every member has a story… Deanna’s begins with refinancing her auto loan for a better rate. Then, she got a personal loan to help her daughter finish nursing school.

  • 1 APR – Annual Percentage Rate. The lowest rate available is 1.99% APR. Subject to credit approval and recommended rates may vary based on individual creditworthiness. Rates subject to change without notice and may be higher based on term and/or qualifications. Must qualify for Peach State membership. Members must qualify for a Peach State loan and checking account. Peach State will finance up to 120% of the NADA vehicle valuation. A $15 loan application fee is charged for processing. Terms and conditions subject to change without notice.
  • 2 Peach State FCU has contracted with Auto Assistance, LLC to make this service available as a convenience to our members. Any manufacturer’s warranties are not services of the credit union and are not obligations of or guaranteed by the credit union. The credit union makes no representations as to the services of any provider or any vehicles purchased.

Corporate Office

1505 Lakes Parkway, Suite 100
Lawrenceville, GA 30043
No branch onsite.

Routing Number: 261174759

Copyright © 2021 Peach State Federal Credit Union
All Rights Reserved. This credit union is federally insured by the National Credit Union Administration.
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