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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

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 retail value up to 65 months.

Shiny new white car image

Calculate what your monthly payment might be

3.74%

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 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.

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

  • Large quote symbol
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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

  • 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 4600.
Rated 5 out of 5 by from Best Bank for last 23 years Been with DCU since I joined Digital in 1996. Best rates, best service and overall best bank. I will never look anywhere else. Highly recommended, my whole family banks with DCU Thank You to all at DCU
Date published: 2019-06-15
Rated 5 out of 5 by from Great deal on auto loan I highly recommend DCU's auto loan. It was quick and easy and saved me money compared to my previous auto loan.
Date published: 2019-06-15
Rated 5 out of 5 by from Getting approved for auto loan fast and simple! I applied for auto loan while sitting at dealership confirmed a few details in car on way home and the check was at my door via fedex next day. Couldn’t have been any easier or convenient.
Date published: 2019-06-08
Rated 5 out of 5 by from Easy auto loan I highly recommend DCU auto loan. I negotiated my deal with the dealer and had the DCU check in my hand. Very easy and simple. It started with a phone call to DCU to confirm my qualification and at a not-to-exceed amount. I had the check in hand via overnight. The accompanying instructions did a good job of explaining my options for my loan. Once the dealer deposited my check, it was a matter of a day or two until I could see my loan balance and payment date and amount on my account. I would note that if you think you may have a good negotiating position with your dealer, increase the not-to-exceed amount to cover any last minute items.
Date published: 2019-06-04
Rated 5 out of 5 by from Easy process Very easy process with good value, love the personal touch. No machines, great!!
Date published: 2019-06-03
Rated 5 out of 5 by from DCU is Awesome DCU is best in terms of providing loans with low interest rates and banking accounts with good customer support.
Date published: 2019-06-01
Rated 5 out of 5 by from This product have flexible options Thanks DCU. Really wonderful experience and have flexible benefits with free checking account. I have contacted different credit union banks and based on my score I got good deal from DCU only. I strongly recommend DCU. Thank you once again.
Date published: 2019-06-01
Rated 5 out of 5 by from DCU has the ultimate Customer Service employees We had gotten a loan at the Ford dealer when we bought our last car. The monies came from another Credit Union. From the first call to the credit Union it was very Unprofessional. We went online with DCU and applied for a refinance and every thing was simple, from applying thru the final step of signing the documents. We were so happy to .have DCU take over the loan. Thank you to all the great employees at DCU.
Date published: 2019-06-01
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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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