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Auto Loans

Auto Loans

New and used cars, trucks, and vans at the same low rates.

Enjoy the ride

Whether your dream car is new or just new-to-you, DCU's auto loans make it easy to hit the road by offering low rates and flexible terms.


For new or used vehicles – with the same low rates.
Purchase or refinance – borrow to buy your next vehicle or refinance the one you drive.
Affordable payments - the longer the loan term, the lower your monthly payment.
0.25% rate discount for energy efficiency - Vehicle must meet the U.S. Department of Energy's established guidelines for fuel economy which is an average of 35 MPG.
1.49% APR
4.5 4.5 / 5 stars


0.50% for Plus and Relationship members


0.25% for energy efficient vehicles

Auto Loans and Auto Refinancing Rates

Rates listed for new or used cars, trucks, and vans. Qualified borrowers can finance up to 125% of the book value or 125% of the purchase price, whichever is less.

Terms Terms APR¹ APR¹ EMP² Per $1,000 EMP² Per $1,000
Up to 36 Months 1.49% $28.42
Up to 48 Months 1.49% $21.47
Up to 65 Months 1.49% $16.02
Up to 72 Months 2.49% $14.97
Up to 84 Months 3.99% $13.66
Terms Terms APR¹ APR¹ EMP² Per $1,000 EMP² Per $1,000
Up to 36 Months 1.49% $28.42
Up to 48 Months 1.49% $21.47
Up to 65 Months 1.49% $16.02
Up to 72 Months 2.49% $14.97
Up to 84 Months 3.99% $13.66

Rates are effective {currentdate}.

¹APR= Annual Percentage Rate. Rates are determined by your personal credit history, loan term, account relationship, and payment method. Rates listed are for this product only and are subject to change at any time. Rates and terms on loans for other types of vehicles, including mobility vehicles, will differ. Published rate includes a 0.50% discount given when you maintain electronic payments and Plus or Relationship benefits on your DCU checking account. For refinance of a DCU loan an administrative fee may apply.

²EMP = Estimated Monthly Payment

Plan for Your Auto Loan

Choose from our easy to use calculators to help you manage your credit cards, your debt, or your savings.

What Our Members Are Saying

Best rates and service

RATINGS 5 5 / 5 stars

Needed a new car and searched through my entire area for rates. Ended up going with DCU because rates were best anywhere, I could find. Gave them a call and rates were even better than listed. Service after applying was top notch.

Weekendjedi - Cincinnati, Ohio


Perfect Combo

RATINGS 5 5 / 5 stars

Professional service, faster and easier Process, good rate... can't ask for more! Thanks DCU!

Suresh - Charlotte, North Carolina


Best rate ever!!!

RATINGS 5 5 / 5 stars

I have been a DCU member with multiple accounts and auto loans for over 6 years now and they are hands down the best out there. No nonsense and no hidden. I strongly recommend DCU for all your banking.

RR - Salt Lake City, Utah


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