Terri’s story begins with an auto loan. She was turned down by lender after lender until Peach State helped. She was so impressed that she got another loan to renovate her barn to host community events!

A few years back I was having a hard time financially and had many odds stacked against me. I was in desperate need of a vehicle and had been turned down by several lenders. I was at my wits end when I walked into the credit union and asked to speak to the loan officer. It was Chris Foy. I shared with him my circumstances and pretty much told him all I had to offer at the moment was my word that I would repay a car loan in full and on time. Chris not only helped me locate a vehicle but he instilled hope in me. He made a loan happen for me so I could get reliable transportation. I have never forgotten what he did. Since then I have bought one other car through the credit union and refinanced the last one I just purchased with the credit union. Each time my experience has been phenomenal. I just recently refinanced all of our family vehicles with the credit union with help from Michelle Groover and Daniel Molten.

In 2012 I also called and asked for an unsecured loan to help assist with renovations to a barn that were needed for my daughters school project. At the time my debt to income was high because I had been piece milling jobs together. The outlook for such a loan was bleak. Again Chris Foy assisted me with that loan so that my daughter’s dreams could be realized. The process was flawless and without agony as most loans are. That loan has allowed our family to pass the fortune to other young people as we host many students and their SAE projects in our barn. Because of that loan the Credit Union is helping more and more young people become productive citizens. I am thankful to the fine folks at Peach State.

If the next chapter in your story starts with an auto loan, we have rates as low as 2.75% APR¹. Need to refinance your current loan? Peach State can help AND make it convenient!

If you have a Peach State checking account, you can set up payments through payroll deduction and get a 0.5% APR¹ discount on your loan.

If you’ve had trouble qualifying for an auto loan in the past or need to rebuild your credit, ask for details about our Fresh Start Auto Loan Program.

Call our Loans By Phone Call Center at 770.580.6000 or apply online at www.peachstatefcu.org.

1 APR – Annual Percentage Rate. The lowest rate available is 2.75%. Subject to credit approval and recommended rates may vary based on individual creditworthiness. Rates subject to change without notice and may be higher based on term and/or qualifications. Must qualify for Peach State membership. Members must qualify for a Peach State loan and checking account. Peach State will finance up to 120% of the NADA vehicle valuation. Excludes Fresh Start Auto Program. A $30 loan application fee is charged for processing. When the loan is issued, the fee will be refunded back to your account. Terms and conditions subject to change without notice.