DCU Routing Number: 211391825
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Auto Refinance Loans
If you love your car, but not your loan, refinancing with DCU could put you back in the driver’s seat with lower rates and flexible terms.
FEATURED AUTO REFINANCE LOAN CONTENT
LOVE YOUR CAR NOT YOUR LOAN
If you’re unhappy with your car loan and wondering if there’s potential to lower your monthly loan payment, you might want to consider refinancing. This article explains how refinancing works and when it makes sense.
WHAT TO LOOK FOR IN AN AUTO REFINANCE LOAN
If you’re considering refinancing an auto loan to save money, it’s important to evaluate the terms and make sure you’re getting the best deal. Here are 3 things to look for when comparing auto refinance options.
AUTO REFINANCE LOANS
Membership Level Discounts
0.50%Included for Plus and Relationship Members with Electronic Payments.
ELECTRIC VEHICLE DISCOUNT
0.25%ADDITIONAL DISCOUNT FOR FULLY ELECTRIC VEHICLES
NO PAYMENTS FOR
60 DAYSTAKE ADVANTAGE OF NO PAYMENTS FOR 60 DAYS
Membership Required
1. Eligibility by Family Relationship to a Current DCU Member
Relatives of DCU members are eligible to join if they are spouses, domestic partners, children grandchildren, parents, grandparents or siblings (including adoptive in-law, and step relationships).
2. Eligibility by Company You Work for or Retired From
- You currently work for or retired from a company in our list of participitating employers.
- You have a family relationship (as described above) to a non-member who currently works for or retired from a company or organization in our field of membership.
3. Eligibility by Organization You Belong To
- You currently belong to or join an organization whose members we serve.
- You have a family relationship (as described above) to a non-member who belongs to an organization in our list of participating organizations.
4. Eligibility by Community
You are automatically eligible to join DCU if you live, work, worship, or attend school in one of the communities in our list. Any business or other legal entity located in one of these areas is also automatically eligible to join.
Benefits
- For new or used vehicles - with the same low rates.
- Affordable payments - the longer the loan term, the lower your monthly payment.
- No payments for 60 days - take advantage of no payments for the first 60 days after the closing of your loan.
- Additional 0.25% discount – eligible for fully electric vehicles.
- Qualified borrowers - can finance up to 130% of the book value. Some restrictions may apply.
Auto Loans and Auto Refinance Loans
| Terms | APR¹ As Low As | EMP² Per $1,000 |
|---|---|---|
| Up to 36 Months | 5.99% | $30.42 |
| Up to 48 Months | 5.99% | $23.48 |
| Up to 65 Months | 5.99% | $18.05 |
| Up to 72 Months | 6.99% | $17.04 |
| Up to 84 Months | 8.49% | $15.83 |
Disclosures
¹APR = Annual Percentage Rate. Rates are determined by your personal credit history, loan term, Member Benefits Level, and payment method, your rate may differ. Published rate includes a 0.50% discount given when you maintain electronic payments and Plus or Relationship benefits on your DCU checking account. 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. For refinance of a DCU loan an administrative fee may apply. Credit and collateral subject to approval.
²EMP = Estimated Monthly Payment
Rate is subject to change after consummation.
- Should I refinance my auto loan?
- Should I accelerate my auto payments?
Plan for Your Auto Loan
Frequently asked questions and answers to help manage and plan for your auto loan.
You must be a DCU member to finalize and fund a vehicle loan, but you can submit your loan application before finalizing membership. If you are not yet a DCU member, you will receive information about how to apply to become a member after you receive your loan decision.
For more information about membership eligibility, visit our membership eligibility page.
To apply for an auto loan refinance, you will need the following information:
- Whether the vehicle is new or used
- The estimated loan amount with your current lender
- The desired term of the loan (options range from 12-84 months; subject to qualification)
- Your personal information (First/Last Name, SSN, Date of Birth), if requested
- Physical and mailing address
- Personal identification (i.e. Driver’s License, Passport Books, etc.)
DCU will no longer be accepting Passport Cards as a form of personal identification.
- Co-applicant information (if applicable)
- Employment status
- Gross monthly income
- Monthly expenses
To finalize and fund your auto loan, you will need to do the following:
- Become a DCU member, if not already a member
- Provide refinance information for loan with current lender (institution name, payoff address, account number, VIN, mileage, 10-day payoff amount, daily interest)
- Submit verification of income, if requested
- Submit any additional requested documents
- Finalize funding details (check dollar amount, payment due date, term, interest rate, payment options and to whom the check is payable)
- Sign the Note & Loan Agreement
The timeline for application and funding can vary, depending on how quickly the required documentation is provided. In many instances, we are able to provide instant decisions on applications submitted through our online application. You will receive a notification if further review is needed to decision your application. Once you provide all of the documentation needed to finalize your loan, the check is usually delivered by FedEx within 2-3 business days.
Rates are determined by your personal credit history, loan term, account relationship, and payment method. Members may be eligible for a 0.50% discount by maintaining electronic payments on the loan and Plus or Relationship benefits on your DCU checking account. Rates and terms on loans for other types of vehicles, including mobility vehicles, will differ.
Once the loan amount is determined the interest rate and the term of the loan will be used to estimate your vehicle payment. To estimate your monthly payment, try our Monthly Payment Calculator.
Refinancing your auto loan at a lower rate could decrease your monthly payment. See how a lower rate or change in terms will impact your monthly payments with our Auto Refinance Calculator.
Loan to value is the ratio that compares the amount of a loan against the value of the vehicle. Typically, lenders have a “maximum LTV” threshold in place which determines how much of a loan they are willing to finance for a vehicle based on its value. The LTV threshold is based on a number of factors, including creditworthiness, vehicle age, mileage and term of the loan. Qualified borrowers could refinance up to 130% of the vehicle’s current value. If you are applying for a cash-out refinance, the maximum loan amount is up to 100% of the vehicle’s current value.
GAP insurance is optional auto insurance that helps pay off your loan in the event your vehicle is totaled or stolen and you still owe more than the depreciated value. Regular auto insurance will only cover what the vehicle is worth at the time of the loss. GAP insurance protects you when your auto loan balance exceeds your car's current book value. DCU offers members GAP Advantage insurance through Allied Solutions. GAP Advantage can be purchased for both new and used vehicles, for a reasonable one-time cost of $599. For more information, visit the GAP Advantage Insurance page.
If you have a GAP Policy and to determine if your current policy terminates upon refinancing, consult your GAP agreement or contact your GAP provider.
Other insurance options that DCU makes available to members include:
- Mechanical Breakdown Insurance – An alternative to extended warranties you might purchase from a dealer. Mechanical Breakdown Insurance usually lets you go to your repair shop, whereas dealer warranties limit work to specific dealerships. Visit our Mechanical Breakdown Insurance page for more information.
- Payment Protection Insurance - Helps relieve the financial stress and worry related to making loan payments when your life takes an unexpected turn. Visit our Payment Protection Insurance page for more information about covered events and coverage amounts.
You do not need to wait any minimum amount of time before refinancing your vehicle. DCU can refinance your existing loan as soon as you have the account information for your current lender. Consult your current lender to determine if the terms of your loan include payoff stipulations such as a prepayment penalty.
There are no fees to refinance a loan that is currently with another financial institution. If you are refinancing a loan that is already with DCU there may be an administrative fee. This fee varies based on the balance of the loan to refinance.
You can visit our Vehicle Titles page to find information on the following:
- The difference between title and registration.
- How to give the title to DCU?
- What information needs to be on the title?
- What will happen if the title with DCU listed as lienholder is not received?
- What needs to be done if you move to another state?
- How can you change or remove names on a title?
- What happens to the title after the loan is paid in full?
- What to do if you lose your title after the loan is paid in full?
While every member has access to most of our great benefits, the more a member does with DCU, the more those benefits multiply. Check out the information below for a detailed description of benefits by level.
Basic Member Benefits
Every member enjoys these benefits automatically:
- No minimum balances or monthly maintenance fees
- FREE use of 23 DCU Branches in MA/NH - and more than 5,900 shared branches nationwide
- FREE use of 35+ DCU ATMs in MA/NH - and more than 80,000 surcharge-free non-DCU ATMs nationwide.
- FREE use of DCU Online & Mobile Banking - carrier data and message rates may apply
- FREE DCU Visa® Debit Card with EMV chip - upon approval
- FREE eStatements, account alerts and notifications
Plus Member Benefits
Enjoy all the Basic Member Benefits plus:
- Paid up to two days early with Direct Deposit.
- Up to $10 per month ($120 per year) in reimbursements for ATM fees charged by other institutions.
- 0.50% discount on most consumer loans, when the loan is paid with electronic payment.
How to Qualify: Add and maintain direct deposit (qualifying direct deposit is a recurring electronic credit of your payroll, retirement, Social Security, or other recurring monthly income). If at any time you fail to maintain these qualifications, your benefit level will be automatically adjusted without notice and you will no longer be eligible to receive the associated benefits.
Relationship Member Benefits
Enjoy all the Plus Member Benefits and:
- Up to $25 per month ($300 per year) in reimbursements for ATM fees charged by other institutions.
- FREE DCU Custom-style checks (100/year)
How to Qualify: Add and maintain direct deposit (qualifying direct deposit is a recurring electronic credit of your payroll, retirement, Social Security, or other recurring monthly income) AND make at least 5 transactions per month (qualifying transaction types include debit and/or credit card transactions, bill payments, balance transfers, or P2P transfers that clear your account within the same month). If at any time you fail to maintain these qualifications, your benefit level will be automatically adjusted without notice and you will no longer be eligible to receive the associated benefits.
Contact Us
We’d love to hear from you!
Whether you have questions, feedback, or something else you’d like to share, we’re here to listen.
Because at DCU, people come first.
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220 Donald Lynch Boulevard
PO Box 9130
Marlborough, MA 01752-9130
ABA Routing Number: 211391825
NMLS# 466914
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