Auto Loans · Valdosta, Georgia
4 credit unions in Valdosta report car loan rates to the NCUA. Rates range from 4.00% to 6.25%.
Updated Q1 2026 · NCUA Call Report data
4
CUs Reporting Rates
4.00%
Lowest New Car Rate
5.05%
City Average Rate
4 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | VALDOSTA TEACHERS ★ 5.0 · 4 reviews | 4.00% | 6.50% |
| 2 | LOCOGA ★ 5.0 · 1 reviews | 4.79% | 6.34% |
| 3 | GEORGIA POWER VALDOSTA ★ 4.2 · 21 reviews | 5.17% | 8.37% |
| 4 | SOUTHEASTERN ★ 4.5 · 167 reviews | 6.25% | 6.60% |
4 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | LOCOGA ★ 5.0 · 1 reviews | 6.34% | 4.79% |
| 2 | VALDOSTA TEACHERS ★ 5.0 · 4 reviews | 6.50% | 4.00% |
| 3 | SOUTHEASTERN ★ 4.5 · 167 reviews | 6.60% | 6.25% |
| 4 | GEORGIA POWER VALDOSTA ★ 4.2 · 21 reviews | 8.37% | 5.17% |
A pre-approval from a Valdosta credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.
Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in Valdosta in the same window and take the best offer.
See member reviews, branch locations, and full rate details.