Skip to Main Content
Search modal

Your Recent Searches

No Recent Searches Found

Did you mean:

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

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

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

Displaying {start}-{end} of {total} search results

PREVIOUS
NEXT

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

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
MON-FRI: 8:00 AM to 9:00 PM (EST)
SAT: 9:00 AM to 3:00 PM (EST)
Car parked on road

Auto Refinance Loans

Auto Refinance 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.
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.
AS LOW AS
3.24% APR
RATING
5 5 / 5 stars

INCLUDED DISCOUNT

0.50% for Plus and Relationship members

ADDITIONAL DISCOUNT

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 120% of the book value or 120% of the purchase price, whichever is less.

Terms Terms APR¹ APR¹ EMP² Per $1,000 EMP² Per $1,000
Up to 36 Months 3.24% $29.19
Up to 48 Months 3.24% $22.24
Up to 65 Months 3.24% $16.79
Up to 72 Months 4.24% $15.75
Up to 84 Months 5.74% $14.48
Terms Terms APR¹ APR¹ EMP² Per $1,000 EMP² Per $1,000
Up to 36 Months 3.24% $29.19
Up to 48 Months 3.24% $22.24
Up to 65 Months 3.24% $16.79
Up to 72 Months 4.24% $15.75
Up to 84 Months 5.74% $14.48

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.

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

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
10.50% APR
Great rates with no annual fees, cash advance fees, or balance transfer fees.
APPLY NOW
LEARN MORE Visa® Platinum Credit Card
7.50% APR
Pay off credit cards or invest in home improvements with our traditional personal loan.
APPLY NOW
LEARN MORE Signature Personal Loans
1.56% 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
MON-FRI: 8:00 AM to 9:00 PM (EST)
SAT: 9:00 AM to 3:00 PM (EST)

By using our website, you accept and agree that we may store and access cookies on the device you are using to access this site.

APR= Annual Percentage Rate.   |   APY= Annual Percentage Yield.

Rates displayed on this page are effective {currentdate} and are subject to change. View a full list of rates and rate determination criteria for all products by clicking here.

Please refer to DCU's Truth-in-Savings Disclosure and Account Agreements, Schedule of Fees and Service Charges, and Electronic Services Disclosure and Agreements for important information and disclosures.