JavaScript must be turned on in order for this site to display properly.
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*

2.24%

Estimated Monthly Payments at DCU

$288

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 2.24% $28.75
Up to 48 months 2.24% $21.80
Up to 65 months 2.24% $16.35
Up to 72 months 3.24% $15.30
Up to 84 months 4.74% $14.01

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 4091.
Rated 5 out of 5 by from Fast and Easy It was very easy process, my auto loan approved next day i submitted documents with best APR rates. I received the check within two days.
Date published: 2018-01-08
Rated 5 out of 5 by from Magnanimous DCU is really wonderful. They are fast, they are simple, they are honest, they have the lowest APR in the market, they are flexible, no physical contact - your DCU at your Laptop. What else you need! I very highly recommend them. I thank them for this magnanimous service.
Date published: 2018-01-08
Rated 5 out of 5 by from Review about Auto Loan The loan approval process is very easy and it is very fast. The interest rates are very low compared to others.
Date published: 2018-01-07
Rated 5 out of 5 by from Quick and Easy It was a breeze to get my loan approved and they Fedex'ed the check overnite.
Date published: 2018-01-07
Rated 5 out of 5 by from Excellent service MApplying to qualifier a DCU loan was super easy. I got pre-approved when I submitted the details online( took 5 minutes) and a sales agent reached out to me in couple of hours to approve the loanThe check was fedex to us overnight. It’s an incredible low interest rate if you have good credit. Thanks DCU for a great experience and a great job in serving the communities
Date published: 2018-01-07
Rated 5 out of 5 by from I am extremely satisfied with the auto loan process This is my second auto loan with DCU and the process is so smooth that I am extremely satisfied with the service I got.
Date published: 2018-01-06
Rated 5 out of 5 by from Easy auto loan The process of getting auto loan was super easy and quick, even in light of the blizzard that closed the office; they still got the check to the dealership in time. Much appreciated DCU!
Date published: 2018-01-06
Rated 5 out of 5 by from Gr8 experience Very easy and smooth process one call got loan approved one more call got the check
Date published: 2018-01-05
  • y_2018, m_1, d_11, h_10
  • bvseo_bulk, prod_bvrr, vn_bulk_2.0.3
  • cp_1, bvpage1
  • co_hasreviews, tv_0, tr_4091
  • 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


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: 2018-01-08

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
  • y_2018, m_1, d_11, h_10CST
  • bvseo_bulk, prod_bvqa, vn_bulk_2.0.3
  • cp_1, bvpage1
  • co_hasquestionsanswers, tq_227
  • 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.