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Personal and Business Banking

DCU Car Refinance Loan

Car Loan Refinancing

Lower your monthly payment,
your interest rate - or both!

As low as




If you love your car, but not your loan, refinancing with DCU could put you back in the driver’s seat with lower rates and flexible terms, including the ability to borrow up to 120% of the car’s value for up to 65 months.

Car license plate saying DCU Car Loan Refinancing

Calculate what your monthly payment might be


Your estimated monthly payment:


Compare DCU with your current loan payment:

Estimated monthly savings:


Estimated total savings:


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 retail book value.

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

Term Annual Percentage Rate
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 4.8 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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    Sincerely helpful

    DCU was not only helpful and understanding, but they offered the best service for me and my budget. Their team was more than knowledgeable and extremely respectful to me and my wants/needs for a loan. GREAT SERVICE!

    ~ Camico25
    Fitchburg, MA

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    Best Choice

    Having DCU refinance my auto loan was one of the best financial choices I’ve made - and also one of the easiest processes to go through. I applied in the afternoon on a Saturday and by that Monday, we were ready to close. I am truly impressed at the speed and accuracy of how DCU operates. I was also beyond pleased to be saving $50 a month, saving $600 a year, and having a reduced interest rate.

    ~ Ash
    Lowell, MA

Previous videos Next videos
Auto Refinancing is rated 4.8 out of 5 by 5594.
Rated 5 out of 5 by from Great rates Excellent banking and service. %rates are the best around.
Date published: 2019-06-20
Rated 5 out of 5 by from Auto refinance I got one of the best rates for my auto refinance and the customer service was great.
Date published: 2019-06-17
Rated 5 out of 5 by from Great rate, quick approval Very easy to apply, quick payoff of existing loan.
Date published: 2019-06-17
Rated 5 out of 5 by from good loan product The loan is a good value with a good rate. The process could use improvement. I waited to be contacted for 2 weeks and wasn't so I called, only to find out I was denied. Once talking to the rep it turned out I had made a mistake on my earnings, it was corrected and I was approved. I uploaded documents and waited for contact for 5 days. I called and wrapped up the process. The e-mails response saying you will be contacted should indicate when i.e in one to days or longer than 5 if that is the case.
Date published: 2019-06-17
Rated 5 out of 5 by from Great value!! Customer service was pleasant and thorough! I got a great rate and they took care of everything!
Date published: 2019-06-17
Rated 5 out of 5 by from Always easy working with DCU!!! I applied for a used car loan last Thursday on line. Spoke with a DCU representative on Friday and had the check for the new vehicle on Saturday morning. It does not get any easier than that and any time I have ever spoken with anyone from DCU they are always excellent! DCU should take great pride in their outstanding customer/member service!
Date published: 2019-06-17
Rated 5 out of 5 by from Quick and excellent service I got to the branch for a used car loan. Logged in and waited in the lobby. Someone came in to usher her office. She started the process of loan. Without even I realized it. She almost checking my credit history and approved the loan based on policy. I received the quickest yet excellent service. Keep up the great job
Date published: 2019-06-15
Rated 5 out of 5 by from Great Auto Refinance Rate I’m glad to be a member. This is my second time refinancing my auto loan. The process is quick and smooth and the rate is unbeatable. Keep up the good works, DCU!
Date published: 2019-06-15
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Request for auto loan

Hi, I recently moved to US from India in H1B. I do not have a credit score yet. I am planning to get a car for my daily use. My budget is 5000$ TO 10000$. Please let me know if DCU be able to provide me an auto loan and if so how much can DCU provide me over the price of the car.
Asked by: Arun
Hi Arun, You can contact DCU Customer Service with contact details mentioned on website, DCU executive will ask you for the standard details like requirement, Address, Social proof, Offer letter if pay stubs are not yet generated. Once you have all the documents, you loan approval and processing will not take more than 5 days. In my case it was disbursed and received by me on third day.
Answered by: Vinay
Date published: 2017-03-04

Does applying for a 2nd chance auto loan affect your credit score and/or put a hard inquiry on your credit?

Asked by: Gwen
Any time you request a "loan" from most institution they will hard pull you, even those that say they soft pull, eventually will make a hard pull upon approving the loans. Some may qualify you with a soft pull but still will do a hard when you go through with the actual loan. Every inquiry and new account will affect your credit because that's just how it is designed by the Bureaus and not set by the banks. Depending on a lot of factors the amount of affect will depends if you have superior credit it may not do much but if you have weak credit it may affect it much more until it ages and you pay on it on time.
Answered by: Danny
Date published: 2017-02-18

Used car loan

Hi, I am in US past 10 months on my H1 and getting decent pay and my salary account with BOA, i am thinking for get used car around 10k and i am able to find used car,however when i tried to get loan from BOA, they rejected loan and i am sure it will effect to credit history and I have decent credit score 677 not bad for 10 months old person in US i believe, now please let me know if i get autoloan in from DCU.
Asked by: Karun
First, do not disclose your credit score to anyone except banks or authorised places. This score Is not to be disclosed in such forums. You can call dcu customer care and speak to loan expert officers and they will help. They are very polite and helpful to explain in details about the product and Answer your queries.
Answered by: gautam
Date published: 2017-03-25

Can I refinance a loan that is funded by DCU?

My original loan is funded by DCU at a higher rate. Can i refinance and take advantage of a new lower rate?
Asked by: trojan
Yeah you can refinance
Answered by: Sai
Date published: 2017-08-26

Is there any limit to how old a car can be to get a second chance loan?

Asked by: MW
There is no limit, but DCU checks the history of the car that you wish to buy before issuing loan amount.
Answered by: charchi
Date published: 2017-02-04
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