Just enter some of your current information, and Jerry will browse the market for you, delivering the best quotes from dozens of lenders straight to your phone.

Calculate your APR

Here’s a handy tool to help you calculate your approximate loan interest rate:

Loan Amount

Credit Rating

Average Annual Interest Rate	Average Monthly Payment
8.45	$362

Delta Community Credit Union auto loans overview

Delta Community Credit Union offers loans for a variety of vehicles, including:

New and used cars
Motorcycles
Boats, RVs, and aircraft
Small vehicles including tractors, trailers, ATVs, and golf carts

Here’s everything you need to know about Delta Community auto loans:

Starting APR: 1.78-15.28%
Loan amounts: Not disclosed
Loan terms: Maximum 84 months
Minimum required credit score: N/A
Application fee: No
Prepayment penalty: No
Prequalification or preapproval: Not disclosed
How to apply: Apply online

Delta Community auto loan pros	Delta Community auto loan cons
Online resources: Borrowers can take advantage of a simple electronic closing process	Fees: Borrowers face an $8 fee for paying by phone or a $25 late payment fee
Car buying service discounts: Get a 0.25% rate discount by purchasing through Carvana and financing through Delta Community
Limited eligibility: Only members residing in Georgia or affiliated with Georgia companies can apply

What kind of auto loans does Delta Community Credit Union offer?

Loan types

You can finance a variety of new and used cars and personal or recreational vehicles through Delta Community.

Delta Community also offers auto refinance loans, which you can take out even if you originally financed your car elsewhere.

How much do they cost?

You can take out varying loan amounts with Delta Community. The main determinants of your rates are your loan term, car model, and credit score.

The longer your loan term or the lower your credit score is, the higher your interest rates will be.

Who is eligible?

Only members are eligible for Delta Community Credit Union loans (this is typical for credit unions). You can be a member if:

You live or work in qualifying areas of Georgia
You are a former, current, or retired employee from certain employer groups
You are an active, full-time employee of Delta Airlines
You have a family member or relative who is a member

Getting a quote

Application requirements

Complete your Delta Community loan application online.

You’ll need to provide some initial information, including identifying information, your Social Security number, and employment information with recent paystubs.

You may be allowed to apply for prequalification, which allows you to see your loan amount ahead of time (often within a few days) and better budget out a vehicle that fits the loan budget.

When it’s time to sign your loan, make sure you properly review your loan agreement, as it is a binding legal document.

Financing amount

Delta Community Credit Union is flexible when it comes to loan amounts.

Remember that the total you will have to pay includes not only the loan amount but also your interest, taxes and licensing fees, and any add-ons such as an extended warranty or gap insurance.

Refinancing your Delta Community auto loan

Delta Community Credit Union offers auto refinance loans that can help you pay off an existing loan at a more affordable rate.

You may want to consider applying for an auto refinance if your interest rates are very high, you cannot afford your monthly payments, or you’ve improved your credit score so as to qualify for better loan terms.

Before refinancing, you’ll likely need to have positive equity, meaning you owe less on the loan than the vehicle is worth. On the other hand, if you’re currently upside-down on your vehicle loan, you may need to provide an upfront payment to secure a refinance.

What if Delta Community isn’t the right choice for you?

If you’re unable to meet their membership criteria, you probably won’t be able to finance a Delta Community loan.

Luckily for you, it’s never been easier to shop around with lenders.

Jerry is the super app that helps you save on all your car-related expenses, including auto loan refinancing.

After a quick sign-up, Jerry will compare loans from dozens of different lenders to find you the best loan terms. Even better, Jerry will handle all the hard parts of refinancing so that you can sit back and enjoy the monthly savings.

Hare are average rates from some of the most popular lenders:

Lender	Starting APR	Terms (months)	Loan amount
Bank of America	2.59%	48–72	$7,500+
Lightstream	2.49%	24–84	$5,000–$100,000
myAutoLoan	2.49%	24–72	$8,000+
Carvana	3.9%	36–72	$1,000–$85,000
Capital One	3.99%	36–72	$4,000–$50,000

FAQs

How do you apply for a Delta Community Credit Union auto loan?

You can apply entirely online with Delta Community. Make sure you have your personal information ready, and be prepared for a potential hard inquiry on your credit score through a credit bureau like Experian or Equifax.