Compare Current Auto Loan Rates in Macon, GA

Apply through myAutoloan and compare up to four Georgia lenders in minutes! We make it easy to find the best auto loan rate, whether you're purchasing from a nearby Macon dealership or refinancing an existing loan. Apply now and see today's lowest rates!

Three things to know…

Today's Interest Rates

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Your Estimated Rate

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Your Payment

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More Information

How Are Macon, GA Car Loan Rates Determined?

Several factors influence your Georgia car loan interest rate, including your income, your credits core, the loan amount, the down payment, the age of the car, and your loan's term (the length of the loan). A low credit score, high debt-to-income ratio, or purchasing an older vehicle from your Macon dealer could lead to a higher interest rate. But is a high interest rate so bad? The higher your interest rate gets, the higher your monthly bill is and the more you spend over the life of your loan. A difference of one or two percent might not seem like much, but it could mean spending hundreds more on interest.

How Do I Lower My Auto Loan Rate in Macon, GA?

Using tools like our Interest Rate Estimator can help you get an idea of what your rate might be before having to apply for a car loan in Macon, GA. If you've supplied your information and aren't liking the percentage you see, how can you lower?

The loan term is one factor you have total control over. Most Macon auto loans have terms ranging from 24 months (2 years) to 84 months (7 years) in 12-month intervals. Longer terms will tempt many borrowers because they typically have a lower monthly payment. However, a longer term also tends to come with a higher interest rate. If you can handle a higher monthly payment, choosing a shorter term is a good move. The Auto Payment Calculator shows what your monthly payment might be based on different interest rates and terms to help you figure out what might be affordable.

If you have less than ideal credit, improving your score could decrease your interest rate. Our Guide to Better Credit for Auto Financing will help you understand what goes into a credit score and how you can quickly bring it up. Your credit score will take some effort and time to build, but it's worth it for those lower Georgia auto loan rates.

Taking the time to hunt down the right lender can also help you snag a lower rate. While lenders will consider the same information, each one might give you a different interest rate. Shopping around and comparing offers will help you find the best auto loan rate in Macon, GA — even if you don't have the best credit or income. You don't want to go with the first offer you receive because there could be a better one right around the corner. Plus, some lenders are open to negotiation, so you can take your offer from one lender to another to see if they're willing to give an even lower rate.

Use myAutoloan to Check the Best Auto Loan Rates in Macon, GA

myAutoloan is committed to helping you find the lowest auto loan rates in Macon, GA regardless of what type of vehicle you're buying or your credit score. You can look at up to four loans at once so you can find the perfect loan. Simply complete our secure online application, choose the best loan for you, and head down to a dealer in Macon to purchase a new ride. Don't wait to apply and check today's lowest interest rates!

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