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Auto Loan Check

Auto Loan Check

Auto Loan Check

Shop and negotiate at the dealership with cash in hand.

Auto Loan Check

  • Know how much you can borrow before you shop
  • Negotiate your car price as a cash buyer
  • Drive away faster

What Is An Auto Loan Check?

A DCU Auto Loan Check is a check made out to you that's good for up to your approved loan amount. You can use it to purchase a car at any licensed dealer. Since you already have financing arranged before you shop, you can focus on negotiating the lowest price you can for the car you want like you are paying with cash in hand.

You can use it for a new or used auto, truck, or van. Some restrictions may apply, contact us for details. The Auto Loan Check cannot be used for a private sale or to refinance a loan at another institution. 

How To Get Your Auto Loan Check

If you've already applied for a loan, just give us a call or email us to request an Auto Loan Check. If you haven't applied yet but are interested in buying a car, log in to Online Banking from the homepage to see if you're already approved for a DCU Auto Loan (look for a message in your Account Manager Inbox). You can accept your loan online and check the box for an Auto Loan Check at the bottom of the acceptance form. You can also stop by any branch.

DCU will send you your Auto Loan Check and you'll be driving your new vehicle in no time. If you're not yet approved, don't worry. Applying is easy. You can request your check when you apply.

How to Use Your Auto Loan Check

Once you know how much you want to borrow, make sure the blanks on the face of the check are completed as follows:

  1. Choose a repayment method
  2. Fill out the vehicle information
  3. Fill in the loan amount up to the maximum on the check
  4. Endorse the back of the check yourself (both borrower and co-borrower if applicable).
  5. Make sure the dealer endorses the back of the check as well
  6. Leave the check with the dealer as payment

When the check clears from the dealer, we'll establish your loan according to the amount and term you have specified on the face of the check. It's as easy as that.


Great convenience

Ratings 5 5 / 5 stars

sing this auto check is very convenient and easy with no hassle of dealing with the dealership finance people trying to up-sell you.

PFM from Atlanta State:Georgia

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Very Happy with DCU and Auto Loan

Ratings 5 5 / 5 stars

My Credit Score wasn't good, yet they help me with my car Loan, not even my current bank help me. Which is Bank of America coz obviously my credit score is not good, yet Im so Grateful in DCU coz they Trust me. Im car loan so far is doing well. They have the lowest APR I ever get, its easy to pay through their online banking

Zian53 from Houston State:Texas

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Best and the easiest!

Ratings 5 5 / 5 stars

This is the best car loan deal out there. Applied online and got a call from DCU the next morning telling they are sending an auto loan check via 1 day delivery for the amount I requested. APR is awesome! I never expected I could get such a low APR with my current credit score. Took the auto loan check to the dealer, negotiated

Nikhil from San Francisco State:California

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