What Can DCU Save You?

Auto Loans

Great values on car, truck, and van financing




  • Features
  • Details
  • Rates
  • Reviews
  • Apply Now
  • Resources
Picture of Car

New or Used Car Loan Benefits

  • New and used cars, trucks, and vans at the same low rates
  • Great rates and affordable payments
  • Borrow up to 120% of price
  • Finance up to 84 months
  • Save with Relationship benefits and electronic payment

Auto Loan Calculator

*Rate for Free Checking with Relationship benefits and Electronic Payment. For Free Checking with only Basic or Plus benefits, add 0.5%.
Results are an estimate. Your actual rate and payment may vary.

Your Annual
Percentage Rate
at DCU*

1.99%

Estimated Monthly Payments at DCU

$287

800.328.8797 (select 3)

Please refer to Details and Rates tabs for additional information and important disclosures.

"Best Rate.
Best Service."

Open quote I am very happy with interest rate offered to me and the service is so fast! Close quote

— Kumar, Parma, OH

New and Used Auto Loan Details

  • New or used vehicles at the same low rates – Car dealers and most institutions often charge you more for used – some 20% or more.
  • Borrow for cars, trucks, or vans – Borrow to buy your next vehicle or refinance the one you drive.
  • Great rates and affordable payments – Finance up to 84 months. The longer the loan term, the lower your monthly payment.
  • Borrow up to 120% of Price – Qualified borrowers can finance up to 120% of NADA retail book value or 120% of the purchase price – whichever is less, PLUS DCU GAP and DCU Warranty. DCU will only finance over 100% when it's DCU's GAP and Warranty, not dealer add-ons.
  • Save with Relationship benefits and electronic payment – Save on rates when you qualify for Relationship benefits on your DCU Checking Account and make payments electronically (payment by transfer in Online Banking, Mobile Banking, Easy Touch Telephone Teller, DCU ATM, or internal DCU automatic transfers. Add 0.50% to rate for other payment methods.

Auto Loan Rates*

For New or Used Cars, Trucks, and Vans
Qualified borrowers can finance up to 120% of NADA retail book value or 120% of the purchase price, whichever is less.
Terms / Features Our Best Rates*
  Annual Percentage Rate
(APR)
Estimated Monthly Payment
Per $1,000 Financed
Auto Loan Calculator
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 .

*Rates are determined by your personal credit history, account relationship, and payment method. Rates listed are for consumer loans. Rates on commercial vehicle loans are 1% to 3% over rates listed. Certain Business Vehicle and Equipment loans may be subject to a maximum loan of 80% of the purchase price.


Auto Loans is rated 4.8 out of 5 by 3776.
Rated 5 out of 5 by from Auto loans/Overall banking Experience I have been a member of DCU ever since I came to USA. For the last 14 years I had always had DCU as my primary banking. When they say as free checking its basically free checking. Over the top of it any time we have to use a non-DCU ATM they reimburse. However, very rarely I have to use a non-DCU ATM as they always have a participating credit union. I have lived in many places including rural areas, but there was always a participating credit union within 5 miles. Always the auto loans rates they have is a lot lower than the rates I get from any big banks. The customer care is also great . I will recommend this to anyone.
Date published: 2017-06-24
Rated 5 out of 5 by from The car having all the latest features in the market and I feel more comfortable with this product. My questions are answered properly and I got the good guidance from the team to get whole benifits of the car.I thank my friend who recommended this car to me.
Date published: 2017-06-24
Rated 5 out of 5 by from Fast and easy Dcu auto loan is fast and gives better rate for auto
Date published: 2017-06-24
Rated 5 out of 5 by from Excellent Customer Service Applied for an auto refi at DCU and it could not have been easier or more pleasant. Olivia did a terrific job walking me through the process and we successfully concluded the transaction in about 15 minutes. Service like this is why I've been a DCU customer for almost 3 decades.
Date published: 2017-06-24
Rated 5 out of 5 by from Very good choices DCU offers excellent choices and service. Consumer service is always quick to respond and the website is easy to use.
Date published: 2017-06-24
Rated 5 out of 5 by from Couldn't be happier!! From the 1st phone call I knew this credit union was something special. I worked in banking for years and practically my whole family work for one of the Top 3 Banks in the Nation. DCU understands how to treat a customer, my experience with them is nothing less than incredible. I refinanced my vehicle with them and the rate as well as how quickly they processed everything is 5 Stars. Hats off to the many employees I have spoke with in the first week of being a member, you all deserve a big thank you!
Date published: 2017-06-24
Rated 5 out of 5 by from Auto Loan for Temporary License Holder Process is quick, easy and seamless. Customer support is very reliable.
Date published: 2017-06-20
Rated 5 out of 5 by from Good service, low interest rates, high approved limits, easy to apply Good service, low interest rates, high approved limits, easy to apply
Date published: 2017-06-19
  • y_2017, m_6, d_26, h_18
  • bvseo_bulk, prod_bvrr, vn_bulk_1.0.0-hotfix-1
  • cp_1, bvpage1
  • co_hasreviews, tv_0, tr_3776
  • loc_en_US, sid_18-1, prod, sort_[SortEntry(order=RATING, direction=DESCENDING), SortEntry(order=SUBMISSION_TIME, direction=DESCENDING), SortEntry(order=FEATURED, direction=DESCENDING)]
  • clientName_digitalfederalcreditunion


When can I apply for an auto loan if the car is being built at the factory based on my order.

I ordered a new car at the dealer and placed a deposit. It's been about 2 weeks and the car still doesn't technically exist, however I am watching the build status daily. I don't yet have an expected completion date, delivery date or VIN. When can I apply for an auto loan from DCU. Because of the state of the car, the dealer cannot give a purchase sale agreement yet, I only have receipts for deposits made.
Asked by: Anonymous
Hi, I just did exactly what you are doing. All I needed was a paystub and the Sales agreement after I completed the online application. The paystub was easy but I needed to wait until a VIN was assigned to the vehicle before submitting the sales agreement. Sounds like you already have a VIN.
Answered by: Anonymous
Date published: 2014-01-04

I would like to become a member but have never worked with one of the organizations listed.

Do you work with veterans and one of their organizations (DAV, VFW, etc)?
Asked by: Anonymous
Call the landing number and you do not need to wory. DUC is great an will take care for you. Trust me you will be 120% satisfy. This is the best bank.
Answered by: Anonymous
Date published: 2015-10-03

Any fees associated with an auto loan?

Are there any fees associated with an auto loan? (Service fees, paperwork fees, one time fees etc..) Anything that would alter the monthly payment amount that was given to me when I applied and was approved online for my loan?
Asked by: Anonymous
no.
Answered by: Anonymous
Date published: 2014-08-23

If I were to buy a 2004 Volvo fot 13.5K and needed a loan, would i qualify? how much could I get?

Asked by: Anonymous
you could qualify for the whole amount. However your interest rates might be high. You will get better rates if you put some money down. This is my personal opinion from personal experience. Call DCU for confirmation.
Answered by: Anonymous
Date published: 2013-10-23

I am a student, my credit is around 620 and I need a loan to pay a car, would I be qualified?

Asked by: Anonymous
You will probably get a loan at a higher rate , provided you have a co-signer.
Answered by: Anonymous
Date published: 2013-10-23
  • y_2017, m_6, d_26, h_21CST
  • bvseo_bulk, prod_bvqa, vn_bulk_1.0.0-hotfix-1
  • cp_1, bvpage1
  • co_hasquestionsanswers, tq_210
  • loc_en_US, sid_18-1, prod, sort_[SortEntry(order=LOCALE, direction=DESCENDING), SortEntry(order=FEATURED, direction=DESCENDING), SortEntry(order=NUM_ANSWERS, direction=DESCENDING)]
  • clientName_digitalfederalcreditunion

"Amazing For An
Auto Refinance"

Open quote The best auto loan closing, EVER...thank you for making this so easy. Close quote

— DSS, Bedford, NH

Easy Ways To Apply For A New or Used Auto Loan

  1. Apply Online – 24 hours a day, 7 days a week.
  2. Apply by phone – 24 hours a day, 7 days a week call 800.328.8797 or 508.263.6700 and press 3.
  3. Any DCU Branch – Visit your local branch.

"Convenient and Easy Online Application"

Open quote Good customer service and quick response. Very convenient communicating online for the required documents. Close quote

— Vinay, Rochester, NY

Auto Loan Resources

  • Are You Already Approved? – Login to Online Banking and check your Account Manager inbox for a message. If you are, you can accept your approved loan online.
  • Auto Loan Check – Check provided for pre-approved auto loan. Makes shopping and purchasing a vehicle quick and easy.
  • NADA Vehicle Price Guide – Get prices on new and used vehicles to help in negotiating the sale or purchase of a vehicle.
  • AutoPREMIER – Free no hassle service with pre-arranged new car prices for buying your next car. Available in MA and NH.
  • Auto Buying Resources – Get shopping advice, get DCU auto loans at participating dealers, research new and used cars, access NADA Guides and Edmunds, and more.
  • Loan Payment Method Authorization (.pdf format) – Use to have DCU set up electronic loan payments by transfer from your DCU savings or checking account. Note: you can set this up on your own with Internet Online Banking Automatic Transfers.
  • Payment Protection – Helps relieve the pressure of your loan payments during certain unexpected events.
  • DCU Auto Insurance – You can count on us for good service, good value, and expert help in choosing the best auto insurance solution for you and your family.
  • Mechanical Breakdown Insurance – Available through DCU, it covers you for out of pocket repairs on both new and used cars at half the cost of an extended warranty.
  • Guaranteed Asset Protection – If your car is totaled or stolen, this optional insurance covers the difference between the insurance settlement and the loan balance.
  • Intent to Sell Form – Provide to DCU if you are buying a vehicle through a private sale.
  • TItle Services – Request a Lien Satisfaction Letter or Duplicate Title Application.

Auto Loan Related Links

  • Loan Calculator – Use these calculators to determine an approximate loan payment based on the loan amount (loan cash), term, and credit history standing. This helps you see if a loan will fit within your budget.
  • StreetWise Available Cash Calculator – Learn the most you should pay for your next car and the amount of cash your desired loan payment will get you.
  • StreetWise Auto Buyers Guide – Use this guide to help ensure you negotiate the best deal before purchasing your next vehicle.
  • StreetWise Guide to CreditStreetWise guide helps you understand how credit works, how to use it responsibly, how to know if you are having difficulty with it, and what to do if you are.
  • Skip a Payment (.pdf format) – You have the option to skip a loan payment without impacting your credit rating.
  • Calculate Finance Charges – Sometime members have questions about how Finance Charges or Interest on their DCU loan accounts are calculated. This information is designed to make the information in your loan disclosures a little easier to understand.
  • Schedule of Fees and Service Charges – Details regarding member benefits that may help you avoid fees.
  • Financial Wellness and Recovery – Learn what DCU can do for you if you are now or think you may soon experience a financial setback. The earlier you contact us, the more we can do to help.
  • Vehicle Loan Payoff Form for Insurance Agencies or Dealers – Dealers and insurance agencies can use this form to obtain a 10-day loan payoff for members' auto loans.
  • My Loan InsuranceSecure site that is used by your financial institution to enable you to submit insurance information electronically to us.