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Refinance your auto loan and get $150.*

Refinance your auto loan and get $150.*

Now through April, refinance your existing auto loan with DCU and we'll give you cash back.

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.
Affordable payments - the longer the loan term, the lower your monthly payment.
$150* refinance bonus – deposited into your Primary Savings when you refinance your auto loan from another lender.
No payments for 60 days** - take advantage of no payments for the first 60 days after the closing of your loan.
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

*Receive $150.00 when you move your auto loan to DCU by 4/30/2021. Loans must be closed and funded by 4/30/2021 to be eligible. Purchases and existing DCU loans are not eligible for this offer. Auto refinance loan must be at least $10,000. Restricted to autos, trucks, vans – no motorcycles, mobility, classic/antique, rec. vehicles. Member can receive cash back on up to 2 qualifying refinances. $150.00 will be deposited into your Primary Savings account based on the following schedule:

  • Auto loan funded between 3/1/2021-3/31/2021, funds will be deposited 4/14/2021.
  • Auto loans funded between 4/1/2021-4/30/2021, funds will be deposited on 5/14/2021.

**DCU is offering the option to take advantage of no payments for the first 60 days after the closing of the loan. No payments for 60 days Auto Loan feature is valid on new Auto Loans and Auto Refinance Loans from other institutions; refinancing of existing DCU auto loans is not eligible. Interest will begin to accrue on the date the loan is funded. The first payment after the 60-day no payment period will first be applied to the interest accrued from the date the loan was funded to the first payment date and then applied to the principal due.      

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

Auto Refinance Calculators

Use our loan calculators to determine the potential impact of refinancing your auto loan.

  • Should I Refinance My Auto Loan?
  • How Much Will My Payments Be?
  • How Much Auto Loan Can I Afford?

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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