Auto Loans

Auto Loans

Looking for great rates and fast approval on a new or used vehicle in Georgia? Robins Financial Credit Union offers great rates and up to 100% financing on new, used, and refinanced auto loans.

Robins Financial Credit Union understands the process of buying a car can be intimidating. We can help make the process easier. Our friendly staff can help walk you through the auto buying process and show you how you could save hundreds of dollars on your next purchase. With excellent rates, fewer fees and convenient payment options, Robins Financial makes purchasing a vehicle easy and affordable!

Get a great interest rate and low monthly payments. Getting pre-approved for an auto loan and shopping at one of our Preferred Dealerships ensures your savings.

  • 100% financing on new autos

    100% financing on new autos

    Competitive interest rates

    Competitive interest rates

    No pre-payment penalty

    No pre-payment penalty

    • No loan processing fees
    • Credit Protector Coverage
    • Convenient Payment Options

    For information on new car options and pricing check out the NADA website. Be sure to use our Auto Calculators to estimate your loan payments before you decide on your top choices.

    Apply for an auto loan with Robins Financial before you shop and you will be armed with the knowledge of your monthly payment and total cost to finance the vehicle of your choice. 

    Apply online, by phone, or visit any of our branch locations.

With the same great auto financing rates for new and used vehicles, buying a used car makes sound financial sense.

  • Competitive interest rates

    Competitive interest rates

    No load processing fees

    No loan processing fees

    No pre-payment penalty

    No pre-payment penalty

    • Borrow up to 100% NADA average retail on used automobiles
    • Used auto loan rates apply to models generally up to seven years old
    • Credit Protector Coverage
    • Convenient Payment Options

    Apply for an auto loan with Robins Financial before you shop and you will be armed with the knowledge of your monthly payment and total cost to finance the vehicle of your choice. 

    Apply online, by phone, or visit any of our branch locations.

    Go shopping at one of our Preferred Dealerships to lock in your savings.

When it comes to protecting the environment, every little bit helps. That's why at Robins Financial Credit Union we want to reward our members for Going Green by saving them a little green.

Did you know that vehicle exhaust contributes up to 95% of carbon monoxide emissions in cities and roughly 60% of all carbon monoxide emissions nationwide?**

You can help the environment, plus you'll receive a 0.25% rate discount* on your auto loan, if you purchase a new or used (up to 4 years old) vehicle that is designated as Smartway or Smartway Elite by the U.S. Environmental Protection Agency (EPA).

Visit the EPA's website for more information to determine vehicle eligibility.

To qualify for the Go Green Auto Loan discount, you must do two of the following:

  • Go Paperless
    Sign up to receive your statements electronically. It's safe, secure, and free. Plus, you'll be helping the environment by saving trees.
  • Sign up for Direct Deposit
    Don't stand in line waiting to deposit your payroll check. It will be automatically deposited into your account with Direct Deposit.
  • Set up Automatic Payment Transfers
    Have your car payment paid automatically from your account. You'll never have to wait in line to make your payment.

Refinancing your auto loan can be the key to saving money on your car payments and getting your finances back on track. You don’t have to be stuck with the same loan you originally took out to finance the vehicle. Many buyers accept the loan package they are offered at the dealership, which may be convenient at the time, but once you start making payments, you may start wishing you had a better loan. That’s where refinancing your loan can help.

An auto loan refinance involves taking out a new loan to pay off the balance on your existing loan and transferring the title to the new lender. If you are currently struggling to make your monthly payments, or if your finances have improved since you took out the initial loan, refinancing can help you get a loan with better terms that work for you. Refinancing your auto loan could get you a lower interest rate along with lower monthly payments. You could also save up to thousands of dollars in interest payments and even be able to pay your loan off sooner. Refinancing your auto loan can help you get your finances back on track, but as with any financial decision, it’s important to consider what makes the most sense for your individual circumstances.

If refinancing is right for you, check out our current rates and our Auto Loan Calculators to help you estimate your monthly payments and how much you could save. Apply online, at any of our branch locations, or over the phone at 478-923-3773 or 800-241-2405.

Here is a list of the information you will need to refinance your auto loan with Robins Financial Credit Union:

  • Proof of income for applicants
  • Insurance card
  • Copy of tag receipt or vehicle registration
  • Georgia Title Fee or GAP Fee if applicable
  • Copy of driver’s license for all vehicle owners
  • Copy of original loan contract of current statement from current finance company reflecting interest rate

Want to know more about refinancing your auto loan and figuring out if refinancing is right for you? We’re here to help! Check out the resources linked below for more information about refinancing.