Auto Loans and Loan Rates in the Atlanta Area

Looking to buy a new auto or a used auto? Or, looking to refinance your current car?  We’ve got you! 

Take advantage of the up to $500 Cash Back** limited-time promotion Excel is now offering. Cash Back** is based on 1% of the auto loan amount. (delete last sentence)   No payment for 90 days and amazingly competitive rates plus up to $500 cash back.  What is there not to like? As a member of Excel we’ve got you!

With us there is trust.  Trust that you are not just a number. Trust that we have your best interest at heart.  We can also help you with a preapproval and steps to take to take to get the best deal when you are in the buying market.  Just ask.

It’s not a secret that new vehicle purchasing can be stressful. But it doesn’t have to be. Ease your pockets. Ease your mind. We are only a call or click away.

Auto loan borrowers often get confused when trying to determine the best auto loan lender. It is always important to get several quotes from potential lenders before signing a loan. Some borrowers assume dealerships are the best place to finance their car. However, dealerships tend to offer higher interest rates and worse loan terms since they know borrowers are eager to drive off the lot with their new purchase.

While there are many non-dealership lenders that offer auto loans, local credit unions are a particularly great choice for many people. Credit unions like Excel can offer premium loan terms for banking members. This means you should always talk to your bank or financial institution before financing a new car.

Excel Federal Credit Union is proud to offer competitive loan terms to our members. We make the financing process easy with simple online applications and convenient customer service assistance. Reach out today to learn how you can get the best possible car loan financing with Excel Federal Credit Union.

Whether you’re looking for a brand new vehicle or a new-to-you car, Excel Federal Credit Union has competitive car loan rates you’ll love.

Some borrowers are confused about the difference between auto loans and auto leases. While both financing options allow you to drive a vehicle without paying the full amount upfront, there are some essential differences. Most notably, loans enable borrowers to finance their car purchases. When you take out an auto loan, you make regular payments on that loan, along with interest. At the end of the loan term, you will own your vehicle outright.

A lease, on the other hand, is a temporary arrangement. Leasing a car is similar to renting a home. Regular monthly payments allow you to temporarily drive your vehicle, but at the end of your lease, you must return the car to the dealership. Leases are often utilized by people who enjoy driving brand-new cars. With a lease, you can return your vehicle at the end of the period and lease a brand-new car. This allows some borrowers to drive a new vehicle year after year. The downside, of course, is that leases are temporary contracts and will never result in vehicle ownership outside of lease buyout loans.