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Woman and girl in back of a car

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.
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.

²EMP = Estimated Monthly Payment

Auto Refinance Calculators

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

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

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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

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

ABA Routing Number: 211391825
NMLS# 466914

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