Now is the time to finance or refinance a vehicle with DCCU. Before heading to the dealership, apply for a no-obligation pre-approval. Knowing what you can afford will give you greater bargaining power and help you to stay within your budget.
*Rates, terms, and conditions are subject to change and may vary based on creditworthiness and qualifications. All offers of credit are subject to approval.
DCCU offers vehicle loans for:
- Cars, trucks, and passenger vans
- RVs and Campers
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.
Auto loan rates as low as 1.99% APR
|New Auto Rates||Min APR|
|0 - 48 mos||1.99%|
|49 - 60 mos||2.39%|
|61 - 72 mos||2.59%|
|73 - 84 mos||2.99%|