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Auto Refinance Loans

Auto Refinance Loans

Lower your rate, payment, or both when you refinance.

At a Glance

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.


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.
1.99% APR
5 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 1.99% $28.64
Up to 48 Months 1.99% $21.69
Up to 65 Months 1.99% $16.24
Up to 72 Months 2.99% $15.19
Up to 84 Months 4.49% $13.90
Terms Terms APR¹ APR¹ EMP² Per $1,000 EMP² Per $1,000
Up to 36 Months 1.99% $28.64
Up to 48 Months 1.99% $21.69
Up to 65 Months 1.99% $16.24
Up to 72 Months 2.99% $15.19
Up to 84 Months 4.49% $13.90

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

Quick process

RATINGS 5 5 / 5 stars

Applied online and within 5 minutes a loan processor called me to finish a few questions, called for my payoff while on the phone with me and loan was set up in less than 10 minutes! I was amazed… thank you!

Jackchip3 - Blacksone, MA


Perfect Combo

RATINGS 5 5 / 5 stars

Was able to refinance my auto loan to DCU for a lower rate than I was paying at another financial institution. The representative who helped me was extremely helpful and made the process extremely easy!

Heather - Salem NH


Best rate ever!!!

RATINGS 5 5 / 5 stars

This is the 3rd vehicle loan we have had or refinanced with DCU. The BEST member service. We tell everyone how great this institution is. They have very competitive rates.

Debbado - Webster, MA Dickersam - Troy, NY


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