Consumer Loans
Credit Union Consumer Loans in the Atlanta Area
Atlanta Banking – Loan Solutions
If you are looking for consumer loans in the Atlanta area, EXCEL FCU can help. We understand securing a loan can feel overwhelming, from navigating your credit history to understanding loan approvals. That is why we are here to help with personalized service.
Auto Loans
Take advantage of the best auto loan rates and service in the Atlanta area!
- Up to $500 Cash Back*
- 90 Days no Payments*
- Discount Rates*
- New, Used, & Refinanced Auto Loans
- Low Auto Loan Rates
- Flexible Terms Up to 84 Months
- Preapprovals Available
- Loan Calculator
- GAP Plus Coverage with Deductible Assistance Available
- Life Plus Debt Protection
- Additional Warranties Available via CU Certified Automotive
- Access Auto Buying Tips in the Financial Education Resource Center
- Additional Excel Auto Loan Features & Benefits
*Any rates disclosed are as an Annual Percentage rate. The as low as rate is a discounted rate gained with an Excel checking account in good standing with direct deposit and automatic loan payments.
Interest continues to accrue. Offers may change without notice. Up to $500 Cash Back is calculated on 1% of the financed loan amount and not to exceed $500 per loan. Cash back funds will be deposited into the designated Excel share/savings account at the time of loan closing. No payment for 90 days indicates the first payment is due within 90 days of loan disbursement. The Interest and payment will be added to end of loan term. The discounted rate is based on a half percent less than the annual percentage rate loan rate you qualify for and requires an Excel checking account in good standing with direct deposit and automatic loan payments for a minimum of four years.
Rates and Terms are based on Excel FCU underwriting criteria. Offers are subject to change without notice. Loans paid off within 60 days will be subject to recoupment. Minimum auto loan amount is $3,000. Existing loans with Excel are not eligible for limited-time promotions.
Please refer to the service contract for coverages, exclusions, terms, and conditions. Vehicle warranty plans are the products of CU Certified Automotive. EXCEL Federal Credit Union does not administer any portion of warranty plan. Mechanical Breakdown Protection is administered by a third-party provider. Please see our privacy policy for additional information on services offered by third parties. To learn more about MBP plans, contact us.
Interest continues to accrue. Offers may change without notice. Up to $500 Cash Back is calculated on 1% of the financed loan amount and not to exceed $500 per loan. Cash back funds will be deposited into the designated Excel share/savings account at the time of loan closing. No payment for 90 days indicates the first payment is due within 90 days of loan disbursement. The Interest and payment will be added to end of loan term. The discounted rate is based on a half percent less than the annual percentage rate loan rate you qualify for and requires an Excel checking account in good standing with direct deposit and automatic loan payments for a minimum of four years.
Rates and Terms are based on Excel FCU underwriting criteria. Offers are subject to change without notice. Loans paid off within 60 days will be subject to recoupment. Minimum auto loan amount is $3,000. Existing loans with Excel are not eligible for limited-time promotions.
Please refer to the service contract for coverages, exclusions, terms, and conditions. Vehicle warranty plans are the products of CU Certified Automotive. EXCEL Federal Credit Union does not administer any portion of warranty plan. Mechanical Breakdown Protection is administered by a third-party provider. Please see our privacy policy for additional information on services offered by third parties. To learn more about MBP plans, contact us.
Recreational Vehicle, Motorcycle & Boat Loans
All the adventure, without the hefty rates!
- New & Used RV, Motorcycle, and Boat Loans
- Low Loan Rates
- Flexible Terms Up to 120 Months
- Loan Calculator
- Preapprovals Available
- Access Vehicle Purchasing Tips in the Financial Education Resource Center
Signature/Personal Loans
Large or small, the best loan option for just about any purchase!
- Perfect for almost any need from vacations, weddings, and new appliances to school tuition, car repairs, hospital bills, and more
- Low Loan Rates
- Flexible Repayment Terms
- Loan Calculator
- Access Budget and Credit-Building Tips in the Financial Education Resource Center
- Benefits of Personal Loans
- Process for Obtaining Personal Loans
- FAQs
VISA® Credit Cards
Enjoy a great way to pay! With EXCEL VISA® Credit Cards, you’ll save big with competitive rates, earn rewards with ScoreCard® Rewards, and stay protected with purchase alerts. Not to mention, no hidden fees and no fine-print frustrations.
Platinum VISA® Credit Cards
- ScoreCard® Rewards
- No Annual Fee
- Auto Rental Insurance
- Benefits of Credit Union Credit Cards
- Credit Card FAQs
- Credit & Card Management Tips
Gold VISA® Credit Cards
- Low Annual Percentage Rate
- Earn Travel & Merchandise Points withScoreCard® Rewards
- No Annual Fee
- Auto Rental Insurance
- Benefits of Credit Union Credit Cards
- Credit Card FAQs
- Credit & Card Management Tips
Classic VISA® Credit Cards
- Low Annual Percentage Rate
- Earn Travel & Merchandise Points with ScoreCard® Rewards
- $25.00 Annual Fee
- Auto Rental Insurance
- Benefits of Credit Union Credit Cards
- Credit Card FAQs
- Credit & Card Management Tips
New Start VISA® Credit Cards
- Low Annual Percentage Rate
- Earn Travel & Merchandise Points with ScoreCard® Rewards
- $50.00 Annual Fee
- Auto Rental Insurance
- Benefits of Credit Union Credit Cards
- Credit Card FAQs
- Credit & Card Management Tips
Found a credit card that looks right for you? Let’s get started!
Share Secured Loans and Share Certificate Insured Loans
Borrow & build credit simultaneously!
- Use your savings or Certificate of Deposit (CD/Share Certificate) as collateral for the funds you borrow
- Low Loan Rates
- Flexible Repayment Terms
- Minimum Loan Amount $200/Maximum = 100% of Your Collateral Amount
- Access Budget and Credit Tips in the Financial Education Resource Center
*Annual Percentage Yield. This loan may not benefit everyone. Special terms and conditions apply.
Call us to apply!