skip to main content
Search modal

Your Recent Searches

No Recent Searches Found

But let's try once more with some tweaks

  • Make sure all words are spelled correctly
  • Try using fewer words
  • Try using more general keywords
  • Try different keywords or spellings

But let's try once more with some tweaks

  • Make sure all words are spelled correctly
  • Try using fewer words
  • Try using more general keywords
  • Try different keywords or spellings
PREVIOUS
NEXT

Sorry, We couldn't find what you are looking for. It could be because of many reasons.

DCU Assistant

Hi, anything I can help you with?

Posh Cross Close
Schedule An Appointment
Woman and girl in back of a car

Refinance Auto Loans

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

APPLY NOW

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.

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.
0.25% rate discount for energy efficiency - Vehicle must have an EPA fuel economy rating of 35 MPG or 35 MPGe combined city/highway.
AS LOW AS
1.49% APR
RATING
5 5 / 5 stars

INCLUDED DISCOUNT

0.50% for Plus and Relationship members

ADDITIONAL DISCOUNT

0.25% for energy efficient vehicles
*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 1.49% $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. Rate is subject to change after consummation.

²EMP = Estimated Monthly Payment

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 - Blackstone, MA

READ MORE REVIEWS

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

READ MORE REVIEWS

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

READ MORE REVIEWS

People Also Shopped For

Find out what other members have shopped for after viewing this product.
$0.00
Stop paying big bank fees. You could save with DCU.
OPEN NOW
LEARN MORE Free Checking
8.50% APR
Great rates with no annual fees, cash advance fees, or balance transfer fees.
APPLY NOW
LEARN MORE Visa® Platinum Credit Card
5.99% APR
Pay off credit cards or invest in home improvements with our traditional personal loan.
APPLY NOW
LEARN MORE Signature Personal Loans
0.20% APY
Earn dividends that often rival uninsured money market mutual funds. (Minimum to earn shown rate: $1,000)
JOIN NOW
LEARN MORE Money Marketing Savings

We're Here to Help

Email

Get assistance by Email.

Visit

Find a Branch or ATM.

Online Live Help

Chat with a Representative

Online Live Help Hours

CHAT
Chat is currently unavailable.

220 Donald Lynch Boulevard
PO Box 9130
Marlborough, MA 01752-9130
800.328.8797

ABA Routing Number: 211391825
NMLS# 466914

Download Our App

Federally insured by NCUA

Contact Us

Even your smallest questions are our biggest concerns.

©

Digital Federal Credit Union. By using this site, you accept DCU's Terms of Use and Privacy Policy.