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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 2.74% $28.97
Up to 48 months 2.74% $22.02
Up to 65 months 2.74% $16.57
Up to 72 months 3.74% $15.53
Up to 84 months 5.24% $14.25

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 4328.
Rated 5 out of 5 by from Fast , Easy and most Reliable Bank This is my third auto loan with DCU . I totally love the customer care here and how they make the process easy when compared to other banks . I have recommended many people and will recommend more , because I feel it's worth to give a try. Thanks DCU for making it easy as always !!
Date published: 2018-07-09
Rated 5 out of 5 by from Got an auto loan with no hassle at all You made the auto loan process so easy! Even more importantly, the loan officer processing my loan gave me a heads-up that I might be paying too much for the car. It turned out that the VIN number for the vehicle showed it did not have the options on it that I was supposedly buying. The dealer had pulled a stunt and given me a car that did not have all the options but was charging me as if it did. I ended up buying the car as I did not care about every option, but went back to the dealer and got $1,000 off the car thanks to the heads-up by DCU. I actually wanted to get my money back but liked the car and the dealer was so nasty about refunding my deposit that it wasn't worth the fight. But thank you DCU for catching this scam!!
Date published: 2018-07-09
Rated 5 out of 5 by from Excellent service and value The response from the regular service line and auto loan services are very quick and easy. I got approved everything in just under 5 to 10 minutes. Thanks for the excellent service!
Date published: 2018-07-08
Rated 5 out of 5 by from This product has great features You guys are awesome. Made it so easy. I am very happy.
Date published: 2018-07-08
Rated 5 out of 5 by from Smooth and Speed My experience with dcu is always smooth and quick. Be it credit card or auto loans.
Date published: 2018-07-07
Rated 5 out of 5 by from Auto loan We’ve been members with DCU for twelve years. DCU has been the best bank/credit union I’ve ever been with. In fact, we remained with DCU after moving from Massachusetts to North Carolina in 2014. DCU has been there for us whenever we’ve needed loans, refinances, etc. They are a great institution and we look forward to many more years of membership.
Date published: 2018-07-07
Rated 5 out of 5 by from Better than I expected Smooth process. Took a little more time but it was a holiday weekend. The rate was good for my credit score. Better than other banks
Date published: 2018-07-07
Rated 5 out of 5 by from Auto Loan Excellent customer service and very helpful through out the process. Fairly quick also.Thank you!
Date published: 2018-07-06
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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