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Auto Loans

Relax this summer with rates as low as 1.99% APR and make no payments for 90 days on your new or refinanced auto loan1 from Peach State. AND, when you close a new auto loan or refinance your auto loan from another lender, you'll be entered to win one of our summer prize packs, including a YETI® Roadie 24 Hard Cooler! Each prize pack is valued at over $500! See Official Rules for details.

Apply online or call 770.580.6000 to speak with a Lending Specialist to get started!


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

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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.

Save Time and Money with Our Free Car Buying Guide!

Don't let the car buying process overwhelm you. We are here to help you every step of the way!

Our Car Loans 101: Car Buying Made Easy Guide prepares you for what to expect along your car buying journey and offers tips to help you find the right car and right car loan for you and your budget. Learn about:

  • Best Time to Buy a Car and Get a Car Loan
  • Finding the Best Car and Car Loan for You
  • Looking to Refinance Your Car Loan?
  • and so much more!

Download your copy now!

Car Buying Guide Cover

  • 1 APR-Annual Percentage Rate. The lowest rate available is 1.99% APR. Subject to credit approval and rates may vary based on individual creditworthiness, term and/or qualifications. Must qualify for Peach State membership. Minimum loan amount for purchases and refinances is $10,000. Peach State will finance up to 120% of the NADA vehicle valuation. May not be used in combination with any other offer. Fresh Start Auto program is excluded. Minimum credit scores apply. To be eligible for refinancing, auto loans must be financed with another lender and vehicle ownership must remain the same. Interest will continue to accumulate on the loan during the 90 days of no payment. A $15 loan application fee is charged for processing. Rates, terms, and conditions are 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

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All Rights Reserved. This credit union is federally insured by the National Credit Union Administration.
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