Auto Loans


Now is the time to finance or refinance a vehicle with DCCU and make no payments on your auto loan for up to 90 days.* 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.

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

*Payments cannot be deferred more than 90 days from the day of loan closing. Offer valid on auto loans not currently financed with DCCU. 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
  • Motorcycles
  • 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.

Additional Resources

Auto loan rates as low as 2.49% APR

Apply now

New Auto Rates Min APR
0 - 48 mos 2.49%
49 - 60 mos 2.69%
61 - 72 mos 2.89%
73 - 84 mos 3.29%

View all vehicle rates

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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