Georgia's Own Credit Union

Georgia’s Own is a full-service, not-for-profit financial institution, owned by members rather than controlled by stockholders. You’ll find all the products and services you’d expect from a financial institution but with better rates and fewer and lower fees.

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    How do Georgia's Own Credit Union auto loans work?

    The auto loan rates at Georgia's Own Credit Union are fairly reasonable, with 24 to 48-month loans charging 2.47%, and up to 84 months at 3.66%. You can even defer payment by 45 days if you’d like.

    Credit score

    The prices stated are based on a credit score of 740, but there’s a useful on-site calculator that you can use to find your exact interest rate based upon your credit score and other factors.

    How much can you borrow?

    At Georgia's Own Credit Union it's possible to fully finance your new auto 100%, covering all tax and everything that contributes to the market value.

    What types of vehicles are eligible for financing?

    The best auto loans at Georgia's Own Credit Union mean that you can cover not just the majority of cars, boats, motorcycles, and recreational vehicles.

    How do I qualify?

    There are 6 ways you can qualify for membership, as follows:

    • Be a resident or employed in one of the following counties:
      • Baker
      • Barrow
      • Bartow
      • Brooks
      • Calhoun
      • Carroll
      • Chatham
      • Cherokee
      • Clark
      • Clay
      • Clayton
      • Cobb
      • Colquitt
      • Columbia
      • Coweta
      • Crisp
      • Dekalb
      • Dougherty
      • Douglas
      • Early
      • Effingham
      • Fayette
      • Forsyth
      • Fulton
      • Gwinnett
      • Hall
      • Henry
      • Lee
      • Lowndes
      • Meriwether
      • Mitchell
      • Newton
      • Paulding
      • Quitman
      • Randolph
      • Richmond
      • Rockdale
      • Spalding
      • Sumter
      • Stephens
      • Stewart
      • Terrell
      • Thomas
      • Tift
      • Walton
      • Webster
      • Worth
    • Be a member of the Georgia’s Own Foundation
    • Live in Georgia and be a member of the Getting Ahead Association 
    • Be a current student, faculty or staff employee, retiree, or alumni of Georgia State University.
    • Be a family member of a current Georgia’s Own Credit Union member. Anyone related by blood, adoption, or marriage is eligible.
    • Be an employee or retiree of one of our Premier Partners.

    What documents do I need?

    Be sure to grab your social security number, driver’s license, and proof of address before beginning.

    What are the fees?

    There are no late fees on any auto loans taken out with Georgia’s Own, according to the website.

    How long does the loan process take?

    The online process requires filling out three forms, which should take no time at all. Once your loan is accepted, it can take up to 5 working days to receive your money.

    How to apply for an auto loan?

    You can apply for a loan with Georgia's Own online, or in-person in a branch.

    What payment methods are supported?

    Online you must use a credit card or bank transfer, but in a branch, you can use cash or cheque.

    Pros and Cons


    • Supports the local community
    • Reasonable rates
    • Covers almost every vehicle


    • Poor credit could result in steep rates
    • It only services a small area

    Is Georgia's Own Credit Union right for you?

    When perusing the Georgia's Own Credit Union website, it’s clear that it’s a professional organization, with many satisfied customers. If you’re living in the area, it may be worth looking into. However, as a credit union, there’s a good chance that you might not qualify.

    If this is the case, you should have a look at the Consumer Credit Union or Open Road. These offer more reasonable rates, and operate in a wider area.