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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 Plus and 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 Plus and Relationship benefits and electronic payment – Save on rates when you qualify for Plus and 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
(APR)
Estimated Monthly Payment
Per $1,000 Financed
Auto Loan Calculator
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 .

*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 4.7 out of 5 by 4464.
Rated 5 out of 5 by from Excellent The process was seamless and smooth. I really do appreciate how DCU works with members.
Date published: 2018-10-14
Rated 5 out of 5 by from easy process Great program will use again Very easy to apply and communication at every step
Date published: 2018-10-08
Rated 5 out of 5 by from Awesome Customer centric. The way they respond is very good Clearly communicates to the customer
Date published: 2018-10-06
Rated 5 out of 5 by from Excellent experience all the way round! From the online application experience, through the document signing and funds being sent... this was a very user friendly expedient hassle free experience. This was my second auto loan. The first time was impressive as a non-member becoming a member and although I couldn't have imagined it, this time was even better! Bravo-DCU!
Date published: 2018-10-01
Rated 5 out of 5 by from Extremely efficient Process was very fast and helpful. I would definitely consider using DCU for future purchases as well.
Date published: 2018-10-01
Rated 5 out of 5 by from New Auto loan DCU offers great rates. I am an existing member and I applied online and I got approved in 30 seconds. They just asked me the sale agreement and once i uploaded them, they sent me the check the next day. The only challenge is wait time in loan department when you call them during mid day. When i wan to finalize my loan i called them and i waited almost 50 minutes and then the call got disconnected. Then one of the representative told that the lower wait times are between 8 to 10 am. So the next day I called at 8 am and i got connected in 2 minutes and finalized loan in 20 mins and we are done. Thanks DCU!
Date published: 2018-09-30
Rated 5 out of 5 by from Fast and easy! Customer service was great! very nice, helpful and the process was quick. Thank you so much. To make things even better while finalizing, my rate went even lower because it’s an energy efficient car.
Date published: 2018-09-29
Rated 5 out of 5 by from easy to get approval. no hassle. fast getting check on following day after approval. This is amazing company that I would work again. I would definitely recommend this to my friends.
Date published: 2018-09-29
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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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Easy Ways To Apply

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