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Personal and Business Banking

DCU Auto Loan

Auto Loans


New or used - it doesn't matter.
Enjoy the same low rate either way.

As low as

4.24

%


APR*

new and used - same low rates

Whether your dream car is new or just new-to-you, DCU's auto loans make it easy to hit the road by offering low rates and flexible terms, including the ability to borrow up to 120% of the purchase price up to 84 months.

Shiny new white car image

Calculate what your monthly payment might be

4.24%

Your estimated monthly payment:

$297

Note: Calculated rate for Free Checking with Plus and Relationship benefits and Electronic Payment. For Free Checking with only Member benefits, add 0.5%. Results are an estimate. Your actual rate and payment may vary.

DCU Auto Loan 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.

Apply Now ›

Other ways to apply -Telephone icon 800.328.8797Map pin iconVisit a DCU Branch

Term Annual Percentage Rate
(APR)*
Estimated Monthly Payment
(per $1,000 financed)
Up to 36 months 4.24% $29.63
Up to 48 months 4.24% $22.69
Up to 65 months 4.24% $17.25
Up to 72 months 5.24% $16.22
Up to 84 months 6.74% $14.97

Rates are effective .

*APR = Annual Percentage Rate. Rates are determined by your personal credit history, loan term, account relationship, and payment method. Rates listed are for both new and used auto loans with terms of up to 84 months and are subject to change at any time. Rates and terms on loans for other types of vehicles (i.e. commercial, mobility, classic and antique, motorcycles, RVs and boats) will differ.

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.


DCU Members rated Auto Loans 4.7 out of 5 stars 4.8 out of 5 stars filled

What our Members are saying...

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    Great loans!

    I just got my second auto loan through DCU, they really make the process so easy and fast and with a great rate! So happy I have DCU a shot, they have far exceeded my expectations.

    ~ Jeff153
    Wales, MA

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    Easy way to purchase a vehicle

    The customer service person was exceptional and helped with all of our questions. We left with an Auto Loan Check so we could work the best price on the vehicle. The pressure is on the dealer about financing, because you have it in hand. Great negotiation tool!

    ~ Pamm36
    Merrimack, NH

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    Amazing service and amazing rates!

    This is now my second auto loan going through DCU and I couldn’t be happier with the service provided! Everyone I have talked to at the branch or calling in at headquarters is very knowledgeable and helpful to make sure my questions are answered. Companies like this are very hard to find nowadays.

    ~ 82Koalas
    Millville, MA

Previous videos Next videos
Auto Loans is rated 4.7 out of 5 by 4544.
Rated 5 out of 5 by from great member service Jill she's very outstanding service she's very helpful she's the best and we need more member service like her
Date published: 2019-01-14
Rated 5 out of 5 by from Auto refinance Was able to refinance my auto loan to DCU for a lower rate than I was paying at another financial institution. The rep Jamie who helped me was extremely helpful and made he process extremely easy!
Date published: 2019-01-14
Rated 5 out of 5 by from Excellent product and service. Great customer service and excellently serviced. Process was so simple, pleasant and very quickly delivered. Keep up the good work team.
Date published: 2019-01-13
Rated 5 out of 5 by from Good experience with transitioning to DCU for my auto loan. I have had a hassle free experience with transitioning to DCU for my auto loan. And the rates they provide are competitive.
Date published: 2019-01-12
Rated 5 out of 5 by from Anu helped us lower our monthly payments with this auto loan Anu in the Waltham DCU office was very helpful and professional when helping my mom with her personal loan. Because the experience Anu provided at the Waltham DCU office was so positive my mom referred me to Anu when my wife needed to re-finance her car to lower her monthly payments. We are grateful for your excellent service and product, and would refer family and friends to Anu in the waltham DCU office.
Date published: 2019-01-10
Rated 5 out of 5 by from Best Rates EVER!! I have been a DCU customer with multiple accounts and auto loans for over 6 years now and they are hands down the best bank out there. No nonsense, no hidden fees and no BS style. The icing on the cake is they have the best auto loan interest rates I have seen ever in the last 6 years. At one point I had a Prius (Hybrid) car with an interest rate under 1%. No, this was not 30 years back, this was 4 years back and with my new auto loan, they still are the best with APR. I strongly recommend DCU for all your banking. I have my personal accounts, auto loans, business accounts everything trough them By the way I live in Utah and it doesn't matter coz I use their shared branches ALL the time and it is free.
Date published: 2019-01-08
Rated 5 out of 5 by from easy to use for a home-bound, handicap person. In my situation set up was easy. Specialty vans are more expensive than the regular vans and harder to buy at a reasonable rate. I wish I had the loan at a lower interest rate but , I guess, we do what we need to to fit our life style. Thank you for helping me. God bless. Pat
Date published: 2019-01-06
Rated 5 out of 5 by from Quick processing and fantastic service From start to finish, the process took less than a day. The rate was great as usual and the service is fast and I also notice great process change and improvement since my last auto loan. Well done DCU!
Date published: 2019-01-05
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I am a student, my credit is around 620 and I need a loan to pay a car, would I be qualified?

Asked by: mimise
I got a car loan thru dcu an I had a 610 score
Answered by: Dave
Date published: 2018-03-10

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: Volt Owner
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: Rick
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: Mike
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: Gajen
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: Michael
no.
Answered by: William 11
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: Person
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: Matt
Date published: 2017-07-24
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