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Auto Loans

Great values on car, truck, and van financing

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New or Used Car Loan Benefits

  • New and used cars, trucks, and vans at the same low rates
  • Borrow up to 120% of price
  • Finance up to 84 months
  • Save with Relationship benefits and electronic payment

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.

Our Best Rates*
Terms / Features Annual Percentage Rate
Estimated Monthly Payment
Per $1,000 Financed
Auto Loan Calculator
Up to 36 months 2.49% $28.86
Up to 48 months 2.49% $21.91
Up to 65 months 2.49% $16.46
Up to 72 months 3.49% $15.41
Up to 84 months 4.99% $14.13

Rates are effective .

*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 view the applicable product details.

Auto Loans is rated 4.8 out of 5 by 4180.
Rated 5 out of 5 by from Financing my auto loan I was able to secure an auto loan at DCU (my husband suggested going here because he re-financed his car loan at DCU) when my own credit union did not. With me , that goes a long way in loyalty. If I know of anyone who is in need of a car loan, re-financing or any other banking needs, I will suggest to them to try DCU. They are very fair and customer friendly. Thanks DCU!
Date published: 2018-03-21
Rated 5 out of 5 by from I love to go with DCU for Car loans I really like the way they treat the customers and pace in which they delivers the check to customer or dealer. Clear and simple process. This is my second car loan with DCU in last 6 years.
Date published: 2018-03-19
Rated 5 out of 5 by from Quick and Reliable Service Auto Loan process took around 20 mins and the loan was approved and received the check the next day. Customer Service was excellent.
Date published: 2018-03-17
Rated 5 out of 5 by from What a pleasure This was the best experience I have ever had obtaining an auto loan.
Date published: 2018-03-17
Rated 5 out of 5 by from DCU - Best in the business If one wants to get a car loan at a competitive rate of interest then DCU is the only choice... In short, DCU is both Customer Friendly and Pocket Friendly....
Date published: 2018-03-17
Rated 5 out of 5 by from Best Experience Ever!!!! This was my best experience Ever!!! Upon arrival, branch manager acknowledged my needs and send me to a David which was above and beyond on everything. In no time I was out of the branch with my loan finalized. Thanks DCU for always being there every step of the way. Thanks Westborough branch for the amazing attention to detail and unmatched customer service. You truly rock!!!!!
Date published: 2018-03-17
Rated 5 out of 5 by from Auto Loan I am amazed at the ease of the process of the loan department. Connected the loan department, verified my identity, had credit verified and was approved within minutes and check sent overnight to my home. It does not get any easier than that. Love DCU.
Date published: 2018-03-17
Rated 5 out of 5 by from Hassle free service Totally loved it. It has an amazing service and deliver the product on time.
Date published: 2018-03-17
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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
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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Easy Ways To Apply

  1. Apply Online
  2. By Phone
    Call 508.263.6700 and press 3
  3. Visit a DCU Branch