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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.

Terms / Features Our Best Rates*
  Annual Percentage Rate
(APR)
Estimated Monthly Payment
Per $1,000 Financed
Auto Loan Calculator
Up to 36 months 2.24% $28.75
Up to 48 months 2.24% $21.80
Up to 65 months 2.24% $16.35
Up to 72 months 3.24% $15.30
Up to 84 months 4.74% $14.01

Rates are effective .

*Rates are determined by your personal credit history, account relationship, and payment method. Rates listed are for consumer loans. Rates on commercial vehicle loans are 1% to 3% over rates listed. Certain Business Vehicle and Equipment loans may be subject to a maximum loan of 80% of the purchase price.

Auto Loans is rated 4.8 out of 5 by 4037.
Rated 5 out of 5 by from Excellent Service Quick and excellent service. Check was mailed overnight as promised. Would definitely recommend
Date published: 2017-12-13
Rated 5 out of 5 by from Super easy to work with, very helpful emplyees I wanted to get an auto loan to buy a van for our growing family and DCU made it as easy as can be. Great rates and very helpful customer service reps. I had the check the next day too!
Date published: 2017-12-12
Rated 5 out of 5 by from Excellent Very Knowledable Customer Service. Great Experience
Date published: 2017-12-11
Rated 5 out of 5 by from Excellent service Very much interested to refer my friends.. Had nice experience
Date published: 2017-12-10
Rated 5 out of 5 by from Auto Loan Loan processing was very quick and easy and the rates offered/pre approval was value for opening account with DCU. I am planning to make DCU as primary account and move the other account to DCU.
Date published: 2017-12-10
Rated 5 out of 5 by from the service was great. We walked in set up an account and walked out with a check in hand in less than an hour. The rates are great on auto loans and have recommended them to several coworkers.
Date published: 2017-12-10
Rated 5 out of 5 by from Best bank to choose any loan for less interest We got Good interest rate for new and used auto loans.
Date published: 2017-12-10
Rated 5 out of 5 by from DCU is quick If you have a good credit score - they process loan online/over the call. They were super sonic quick to process my application and send me the check thro fedex the next day. I would definitely recommend DCU for Auto loans for everyone.
Date published: 2017-12-09
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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

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
You will probably get a loan at a higher rate , provided you have a co-signer.
Answered by: Matt
Date published: 2013-10-23
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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