Auto Loans


On average, our members save $770* when they refinance their non-DCCU auto loan with us. With great low rates and no payments for 90 days2, now is a great time to finance or refinance your auto loan with DCCU.

DCCU offers vehicle loans for:

  • Cars, trucks, and passenger vans
  • Motorcycles
  • RVs and Campers

Apply online, at one of our 13 convenient locations, or call 540-946-3200 today.

*Estimated savings is based on the average interest savings based on DCCU’s historical refinanced auto principal balance, average interest rate of previous non-DCCU auto loan, and average loan life of 29 months. Actual savings may vary. Rates quoted assume excellent borrower credit history. New vehicle payment example at 0.99% APR, max 80% LTV, 36 monthly payments of approximately $28.20 per $1,000 borrowed. Used vehicle payment example at 1.49% APR, max 80% LTV-36 monthly payments of approximately $28.42 per $1,000 borrowed. 12012 and newer vehicles. 290 day payment deferral is not valid for auto loans currently financed by DCCU and cannot be deferred for more than 90 days from the day of loan closing. Rates accurate as of 6/1/2021 and subject to change. Terms, restrictions, and fees may apply. Credit and collateral subject to approval. Membership required.


Determining Loan Value

DCCU uses the J.D. Power (NADA) guide to determine loan values. Please be aware that auto dealers may use the Kelly Blue Book for trade-in values, which will often be less than J.D. Power (NADA).

Types of vehicles and the amount financed will usually include applicable rebates, taxes, titling fees, and warranty:

  • New and used cars, passenger trucks, and motorcycles - up to 120% J.D. Power (NADA) Retail Value or 100% of Manufacturer's Suggested Retail Price (MSRP) Value
  • RVs and Campers - up to 105% financing (new or used)

Note: When DCCU cannot obtain a Retail Value, only up to 100% of MSRP will be financed. This applies to autos, RVs, and campers.

Loan interest rates are based on the evaluation of your credit performance and that of any co-applicant or co-maker. All loans are subject to credit approval.

Additional Resources

Rates as low as 1.49% on new vehicles and 1.99% on used vehicles.

Apply Now

Refinance Your Auto Loan

Auto RefinanceIn addition to offering low rates on new purchases, DCCU offers great low rates when you refinance your auto loan. When you refinance with DCCU, you can:

  • Lower your monthly auto payment
  • Qualify for cash back to pay off other expenses

Apply today to see how much money you could save!

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