Auto Loans

Your Destination Awaits

Picture yourself and your loved ones in the vehicle of your choice, and reach your destination faster when you finance with DCCU. Enjoy 90 days with no payments4 while also gaining 90 days of interest paid back3 to help fund all your fun this Fall. Whether it’s that long-awaited road trip with your best friends, or simply an extended weekend getaway with your family, there are so many options to choose from. The only question left to answer is:

Where will you go with the auto loan that pays you?

90 Days Interest Paid to You | 90 Days No Payments | Average Savings of $965

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This offer applies to vehicle loans for cars, trucks, passenger vans, and motorcycles. RVs and campers are excluded.

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*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 $28.20 per $1,000 borrowed. Used vehicle payment example at 1.49% APR, max 80% LTV-36 monthly payments of $28.42 per $1,000 borrowed. 1Rates accurate as of 09/01/2021 and subject to change. 22013 and newer vehicles. 3DCCU will deposit the equivalent of 90 days of interest into your savings account the day of loan closing; member is solely responsible for any personal tax liability arising out of this deposit. 4Payments cannot be deferred more than 90 days from the day of loan closing. Limit one funded loan per vehicle during the promotional period. Any existing DCCU auto loan with less than 24 months since loan funding will not be eligible. Offer expires 11/30/2021. Terms, Restrictions, and Fees may apply. Offers of credit subject to creditworthiness. Membership required.

Rates as low as 0.99% on new vehicles and 1.49% on used vehicles.

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Additional Resources

Protect Your Investment

Debt Protection
Provides relief from the financial burden of delinquency or default should a protected life event unexpectedly happen to you.
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Guaranteed Asset Protection (GAP)
Protects your investment if your vehicle is declared a total loss by insurance or is stolen.
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Mechanical Repair Coverage
Helps you pay for unexpected repairs to your vehicle. Protect yourself and your investment from costly repairs.
View Details

What You'll Need to Get Started

So you're ready to start your adventure, but have no idea how to get started? We're here to help! With this handy guide, you'll have a better idea of what you'll need to prepare for the next step: filling out the DCCU auto loan application.

Vehicle Information

  • Make
  • Model
  • Year
  • Mileage

Loan Information

  • Car Value
  • Down Payment
  • Loan Amount
  • Loan Terms (desired in months)


  • Employer
  • Monthly Income

Monthly Expense

  • Rent/Mortgage
  • Job Expense (if any)
  • Alimony
  • Child Support
  • Tax

References (2)

  • First and Last Name
  • Phone
  • Email
  • Relationship
  • Address
  • City
  • State
  • Zip

Note: If you are not a DCCU member you will need valid Driver's License information, including ID number, expiration date, and issue date in order to apply.

To help you prepare, we've created a worksheet you can use to assist you in the loan process. Find it here. 

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Determining Loan Value

DCCU uses the 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 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 110% NADA Retail Value or 90% 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 90% 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.

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!

Refinance Now

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