Upgrade to a better loan and keep the car you love.
Refinance your auto loan for as little as 4.99% APR. You could lower your rate, monthly payment, or both.
Get an auto loan that drives you forward.
Whether you got stuck with a bad dealership rate or your credit score has improved over time, you could save hundreds per year when refinancing with DCU. Those savings could go towards paying down other debt, building your savings, or your next road trip.
Refinancing is like hitting the reset button on your auto loan. You get an entirely new loan – often with a lower rate, lower monthly payment, or both – helping you pay less over time and keep more of your hard-earned money.
No Payments For 60 Days3
Take a breather before your first payment. With a qualifying DCU auto loan, you’ll be payment-free for the first 60 days of your loan - giving you time to settle in, plan ahead, and enjoy your new purchase without immediate financial pressure.
0.25% Loan Rate Discount
Saying goodbye to the gas pump? Good news. Fully electric vehicles are eligible for an additional 0.25% loan rate discount.
Finance with Flexibility
Cover more than just the purchase price. Get up to 130% LTV (loan-to-value), subject to DCU's underwriting criteria, and you could finance enough to cover your taxes, registration, and more.
Auto Refinancing Rates
Rates listed for new or used cars, trucks, and vans. Get up to 130% LTV (loan-to-value), subject to DCU's underwriting criteria.
| Terms | APR1 |
EMP2 Per $1,000 |
|---|---|---|
| Up to 36 Months | 4.99% | $29.97 |
| Up to 48 Months | 4.99% | $23.02 |
| Up to 65 Months | 4.99% | $17.59 |
| Up to 72 Months | 5.49% | $16.33 |
| Up to 84 Months | 6.99% | $15.09 |
¹APR = Annual Percentage Rate. Rates are determined by your personal credit history, loan term, Member Benefits Level, and payment method, your rate may differ. Published rate includes a 0.50% discount given when you add and maintain direct deposit of at least $500 per calendar month (qualifying direct deposit is a recurring electronic credit of your payroll, retirement, social security, or other monthly income) to your checking account, excluding HSA Checking Accounts and pay your loan electronically. Social Security is exempt from the $500 per calendar month minimum. Rate is subject to change after consummation. 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 will differ. Collateral subject to review, DCU does not finance vehicles that are or have been a “Lemon Law Buyback” and/or “Salvage” title vehicle.
²EMP = Estimated Monthly Payment is for principle and interest per $1,000.00 borrowed. Payment examples are based on the highest term available.
- Should I refinance my auto loan?
- Should I accelerate my auto payments?
3DCU is offering the option to take advantage of no payments for the first 60 days after the closing of the loan. Interest will begin to accrue on the date the loan is funded. The first payment after the 60-day no payment will first be applied to the interest accrued from the date the loan was funded through to the first payment date and then applied to the principal due.
853 Donald Lynch Boulevard
PO Box 9130
Marlborough, MA 01752-9130
ABA Routing Number: 211391825
NMLS# 466914
Federally insured by NCUA
Equal Housing Lender
Federally insured by NCUA
Equal Housing Lender