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

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

3.74

%


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.

Plus, make no payments^ for 60 days!

^Offer valid from 11/1/18 through 12/31/18. Cannot be combined with other promotions, offers, or discounts and is not valid for previously opened loans.

Shiny new white car image

Calculate what your monthly payment might be

3.74%

Your estimated monthly payment:

$295

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 3.74% $29.41
Up to 48 months 3.74% $22.46
Up to 65 months 3.74% $17.02
Up to 72 months 4.74% $15.98
Up to 84 months 6.24% $14.72

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.

One Primary Savings account per person Additional memberships receive one Savings Account. Rates may change after the account is opened and are subject to change weekly. Funds earn dividends from the first business day of deposit and are compounded daily and posted monthly. Accrued dividends are forfeited if account is closed prior to monthly dividend posting. Fees or other conditions may reduce earnings on these accounts. 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...

  • Large quote symbol
    Large quote symbol

    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

  • Large quote symbol
    Large quote symbol

    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

  • Large quote symbol
    Large quote symbol

    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 4517.
Rated 5 out of 5 by from Excellent service and ontime services! My first bank account was with DCU and also my first loan was approved by DCU. Irrespective of what APR they approve me, I always go with DCU for any transaction.
Date published: 2018-12-09
Rated 5 out of 5 by from Pre Approval Auto Loan This was a great process. Fast and friendly service. I would use DCU again for an auto loan. Thanks Michelle for looking into every option for me.
Date published: 2018-12-09
Rated 5 out of 5 by from Switching to DCU Continues Paying Dividends This was by far the easiest car loan ever: being pre-approved meant that my husband and I only had to come into a Branch together once to sign documents & get a blank check up to the amount of our loan. We signed over the check at closing then Tesla took almost 2 weeks to process. After that I received 2 sets of documents via email for him & me to separately DocuSign electronically but that’s not where the good news ends: somehow the rate had dropped 0.24 so we’ll pay $24 less as monthly carrying cost! Once DCU got the Trade in payoff check, old loan was removed off my App page and replaced with new loan. I could not be happier. Framingham MA Branch AM Sam, plus customer support Victoria & Kimberly were all terrific. I highly recommend DCU to anyone -
Date published: 2018-12-08
Rated 5 out of 5 by from Best AutoLoan rate I Always get best auto loan rate with DCU and all 4 of my cars financed through DCU.
Date published: 2018-12-08
Rated 5 out of 5 by from Excellent Services The process was seamless, from when I called and spoke to Seth to apply. Then to Peggy to close loan and finally to Ulitha to finalize everything. Ms. Ulitha at the Framingham branch was very professional and pleasant. She explained everything very well and simplified the process it was an absolute pleasure working with her one on one.
Date published: 2018-12-05
Rated 5 out of 5 by from Excellent and quick response Completely satisfied by service and prompt responses from DCU. I was able to apply and close the loan in 36 hours
Date published: 2018-12-05
Rated 5 out of 5 by from Preapproval process We needed to get preapproved for a car loan, the process took about an hour and was completely seamless. The gentlemen who helped us were very nice and considerate and answered all of our questions.
Date published: 2018-12-04
Rated 5 out of 5 by from Everyone were so helpful I will definitely stay with DCU. When I call I always get help. Very great customer service skills.
Date published: 2018-12-03
  • y_2018, m_12, d_14, h_15
  • bvseo_bulk, prod_bvrr, vn_bulk_2.0.9
  • cp_1, bvpage1
  • co_hasreviews, tv_0, tr_4517
  • 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: 2018-03-10

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
  • y_2018, m_12, d_14, h_15CST
  • bvseo_bulk, prod_bvqa, vn_bulk_2.0.9
  • cp_1, bvpage1
  • co_hasquestionsanswers, tq_244
  • 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