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Vehicle Loans

Looking to get behind the wheel of a new or new-to-you car or truck? Macon-Bibb Employees CU offers low rates and flexible terms to help you enjoy the ride!

New/Current Year (Under 15,000 Miles)
Effective Date: January 3, 2024
TermA+ (720 and Up)A (685 - 719)B (655 - 684)C (620 - 654)D (585 - 619)E (584 or Less)
36 Months 5.25% 5.25% 5.69% 13.15% n/a n/a
48 Months 5.40% 5.40% 5.89% 13.40% n/a n/a
60 Months 5.40% 5.40% 6.00% 13.60% n/a n/a
66 Months 5.50% 5.50% 7.35% 12.10% n/a n/a
72 Months 5.75% 5.75% 8.10% 12.35% n/a n/a
84 Months 6.50% 6.50% 9.00% 13.90% n/a n/a
All rates are displayed with the APR  (Annual Percentage Rate). Rates for members with a D or E credit score are unavailable.

Used: 1 & 2 Years
Effective Date: January 3, 2024
TermA+ (720 and Up)A (685 - 719)B (655 - 684)C (620 - 654)D (585 - 619)E (584 or Less)
36 Months 5.50% 5.50% 7.65% 11.15% n/a n/a
48 Months 5.50% 5.50% 7.80% 12.00% n/a n/a
60 Months 5.75% 5.75% 7.85% 12.85% n/a n/a
66 Months 6.00% 6.00% 8.15% 13.02% n/a n/a
72 Months 6.65% 6.65% 8.65% 13.85% n/a n/a
All rates are displayed with the APR (Annual Percentage Rate). Rates for members with a D or E credit score are unavailable.

Used: 3 & 4 Years
Effective Date: January 3, 2024
TermA+ (720 and Up)A (685 - 719)B (655 - 684)C (620 - 654)D (585 - 619)E (584 or Less)
36 Months 6.75% 6.85% 9.10% 10.90% n/a n/a
48 Months 7.05% 7.15% 9.30% 11.10% n/a n/a
60 Months 7.25% 8.65% 9.85% 11.35% n/a n/a
66 Months 7.75% 9.15% 10.00% 12.40% n/a n/a
All rates are displayed with the APR (Annual Percentage Rate). Rates for members with a D or E credit score are unavailable.

Used: 5 Years & Older
Effective Date: January 3, 2024
TermA+ (720 and Up)A (685 - 719)B (655 - 684)C (620 - 654)D (585 - 619)E (584 or Less)
36 Months 8.00% 9.50% 12.75% 15.45% n/a n/a
48 Months 8.20% 9.45% 12.95% 15.70% n/a n/a
60 Months 8.60% 9.70% 13.00% 15.95% n/a n/a
All rates are displayed with the APR (Annual Percentage Rate). Rates for members with a D or E credit score are unavailable.

Credit Score Table
Credit Score GradeCredit Score Range
A+ 720 and Up
A 685 - 719
B 655 - 684
C 620 - 654
D 585 - 619
E 584 or Less

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***All loans subject to credit approval.
***Your APR may vary based on your creditworthiness and length of time financed (term).
Rates and terms subject to change without notice.